Wendy Murphy, Author at Clever Girl Finance Empowering women to achieve financial success. Fri, 19 Jul 2024 14:49:27 +0000 en-US hourly 1 https://www.clevergirlfinance.com/wp-content/uploads/2018/09/cropped-Favicon-06-12-400x400.png Wendy Murphy, Author at Clever Girl Finance 32 32 27 Side Hustles For Women That Make Real Money https://www.clevergirlfinance.com/side-hustles-for-women/ Mon, 08 Jul 2024 13:21:00 +0000 https://www.clevergirlfinance.com/?p=14362 […]

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Women can do anything because we are truly amazing. And if you’re looking for side hustles for women that make real money, we have just the list for you!

To choose the right side hustle for you to try, it’s all about looking for ones where you can use the skills you already have. Then you’ll need to decide how much money you’d want to earn. And you’ll also need to consider how much money, time, and effort you can afford to invest. So keep reading to learn more!

Side hustles for women

When you’re starting a side hustle, your idea can come from a place of passion, or you can pursue something you’re already good at. The possibilities are endless! All you need are a few tools, a good work ethic, and an entrepreneurial spirit.

That said, in this article, I ‘ll be breaking down some of the best side hustles for women!

27 Lucrative side hustles for women

Time is money, so I’ve rounded up some of the best-earning jobs! With the gig economy being so strong right now, there’s never been a better time to explore side hustles for women. Plus, it’s always a great idea to earn more money if you can.

With a side hustle, you can work online, part-time, or however you want to design it.  So read through this list to get an idea or two for your next venture. (And be sure to check out our list of best side hustle books as well!). Let’s get into it!

1. Offer freelancing services

In the USA, there are over 70 million freelancers, which make up about 36% of the workforce. I personally find that freelancing is great because it offers flexibility and a high potential for full-time income. 

I can work from anywhere, pursue personal passions, and earn extra money. It also allows me the opportunity to use the money making skills I already have. When I became a freelance writer, I really enjoyed the freedom with my time, as well as the ability to set my own prices and find clients I wanted to work with.

For example, I could choose to go out and get my own clients from the start. I was also able to join the three most popular freelancing sites, UpworkFiverr, and Freelancer.com which gave me more options to find work.

Freelancing also offers a wide variety of industries and job categories to pursue. For instance, you can make money freelance writing, manage social media accounts, or do video editing. In addition, skilled graphic designers, web developers, and coders are in demand in pretty much any industry.

2. Become a bookkeeper

If you have bookkeeping skills, you only need a reliable internet connection, a laptop, and and an online meeting tool like Zoom or Google Meet to start offering your services.

You can provide bookkeeping services online or offline, and it can be one of the best side jobs for women who are great at math and business management. Your clients can range from local businesses in your area to hundreds of business owners online.

Whether you decide to work online or in person, your clients may prefer one accounting software over another. So, you may need to learn and become comfortable with the most popular ones.

To get started you can check out Quickbooks and Freshbooks for an easy and affordable way to get your bookkeeping side hustle started.

3. Start a blog

Blogging is easily one of the best side hustles for women who want to make money online. It’s also a great way to share your expertise and provide value to people looking for information or guidance. 

However, making money with blogging is a long game that requires a monetization strategy and a lot of hard work.

But if done the right way, it can become a profitable way to earn money. In fact, there are many bloggers in different niches earning six figures and even seven figures a year! 

With blogging, you have the ability to generate income in several ways. For instance, bloggers can get paid for sponsored blog posts, affiliate marketing, and allowing ads on their websites. And some offer digital or physical products such as journals, clothing, and more. Want to learn more? Read our detailed article on how to become a blogger and start making money!

4. Proofread for businesses

Proofreading is the final check before a document or an article is published or shared. Proofreading is among the best side hustles for women because the hours are usually very flexible. And if you have a full-time job, you can work around it easily. 

A proofreading job focuses on correcting errors and inconsistencies in grammar, spelling, punctuation, and capitalization. So, if you have a great eye for detail and love to read, you can make extra cash as a proofreader.

You can proofread for any type of business that publishes newsletters, sends emails, etc. And since most companies have websites, you can offer your services to every business that publishes blogs and articles. And you can also work as a writer and author for clients.

For aspiring proofreaders, the Louise Harnby website has tons of resources and amazing insights. The American Copy Editors Society is also a great place to start. And if you’re looking to network, LinkedIn is full of writers and proofreaders.

5. Become a transcriptionist

A transcriptionist listens to recorded or live audio files and converts what they hear into written content. If you have good grammar skills and pay attention to detail, then consider transcription services.

You also have an edge if you already work in the medical or legal fields because that’s where most of the need comes from.

If you’re not in the medical or legal field, you can still offer general transcription to corporate clients.

In addition, I find that being a transcriptionist is an excellent option for side hustles for women who don’t have set free time. It offers many benefits, including working at your own pace and according to your own schedule.

You’ll need transcription software, a good headset, and reliable internet to get started. Check out places to find online transcription jobs in this article from The Write Life.

6. Tutor students

Tutoring also offers one of the best opportunities for side hustles for women who have a passion for teaching. And if you already have the skills and experience, you can be an online tutor or teach in person for just about any subject and make an extra income.

You can advertise your services around your town or city. Alternatively you can sign up with online sites like the ones on this list from Indeed.

7. Teach English online

If you’re looking for ways to work from home by teaching English online, consider VIPKid. They connect you to children who want to learn how to speak English. It’s a one-on-one format, and the sessions are quick.

And you won’t have to spend time making lesson plans. So you can focus on teaching. 

However, since your students are mostly from China, VIPKid teachers work late nights, but this may work well with your day job, depending on your schedule. So, that is something you’ll have to consider if you want to try teaching English online as a side hustle.

Other websites to consider include Preply and Cambly.

8. Sell an online course

As people actively seek ways to learn new high-income skills or gain new knowledge, online courses have become incredibly popular. And they’re not limited to accredited education anymore. There’s an online course for just about anything.

To get started, think of something you’re really good at. Which might be content editing, drawing, writing, etc. Figure out how to teach others how to get to your skill level.

Next, set up your course and earn money as students enroll. Check out this list of sites from Zapier where you can sell your course.

Selling courses is also one of those side hustles for women that can be considered a long game. But over time, it can become one of the best passive income streams.

9. Start a virtual assistant service

Virtual assistant services are one of my favorite side hustles! Basically, as a virtual assistant, you provide services to individuals and businesses with all kinds of online administrative tasks. You can offer services depending on skills you already have or are willing to learn.

Virtual assistants generally help clients respond to emails, schedule meetings, offer customer support, and do bookkeeping.

You can also offer more specific virtual assistant services such as social media management (Facebook, Instagram, Pinterest, etc.), blog management, content creation, etc.

Ultimately, what you offer will depend on tasks you enjoy doing and the kind of clients you’d like to work with, making this one of the best side hustles for women.

Being a virtual assistant is a great way to make extra money if you’re detail-oriented and awesome at time management. To get started, you’ll also find free virtual assistant training videos on YouTube! And there are many courses and certifications you can take to brush up on skills like social media and digital marketing.

Then, you can focus on finding clients by reaching out by email, social media, or setting up a website.

10. Be a wedding photographer

Do you take amazing pictures? If so, you can make some money on the side by being a wedding photographer! You can book clients according to your schedule and make money from doing something you enjoy.

It can be a profitable side hustle but wedding photography work may require being available on weekends.

Aside from photographing weddings, you can also venture into doing sessions with families, influencers, or local businesses. And sites like Shutterstock allow you to sell and earn a small commission for your photos.

11. Resell on Amazon

Reselling on marketplaces like Amazon is among the best side hustles for women looking to make extra cash. You can sell items ranging from electronics and used books to anything customers may need.

If you have a savvy eye for selecting the best items to resell, becoming a seller on Amazon is for you. With Amazon’s system already in place, you don’t have to build your audience.

So, you can focus on picking the right products, taking good photos, and making sure you have clear descriptions and keywords in your listing.

You can also flip items that you find and fix them up to look new. For example, painting or reupholstering furniture. Flipping items can help you to make quite a profit.

12. Sell handmade products

Similarly, if you’re good at crafts or making things with your hands, you can sell your products on Etsy. It is the largest online marketplace for handmade crafts such as embroidered goods, jewelry, journals, home goods, upcycled items, soaps and so much more. Make money from your hobby!

Also, the products are not limited to handmade physical goods. You can make and sell digital products and printables on Etsy, such as graphics that customers can download. It is one of the better side gigs because digital products can quickly become passive income.

13. Start an online consignment store

If you are interested in and are knowledgeable about certain items like clothes, electronics, toys, or antiques, you could start an online consignment store.

You can also specialize in smaller markets. For instance, rather than selling all types of clothes, you can choose to only accept children’s clothes, designer brands, or vintage items.

Personally, my favorite way to shop is through consignment stores. And I mostly buy from three places that carry brands I like. I’m comfortable spending money on pre-owned designer bags there because I trust the owner and know she vets every item.

It can be a great part-time job to do in your spare time. You can start your own website for this or use eBay.

14. Walk dogs or pet sit

Dog walking and pet sitting have always been available as side hustles for women to make money. And thanks to apps like Rover and Wag, it’s now easier for dog walkers and responsible pet owners to connect. The earning potential isn’t bad, either.

Dog walking is a great side hustle because the clients are adorable, you get exercise, and you can book according to your schedule.

15. Become a makeup artist

Make money from your ability to make other women feel beautiful. You can offer your services as a makeup artist for events like weddings, proms, or family photos. You just need clean tools, makeup, and your expertise to get started.

Use social media platforms and word of mouth to advertise. You can book clients to come to your home, or you can travel to them, making this one of the great side hustle ideas for women!

16. Start a laundry service

Yes, you read that right! You can make extra money by starting a laundry service. You can start your own laundry service and advertise around your city and through social media like Facebook ads.

And you can also check out Laundry Care. You can apply as a provider, and they’ll help you set up your own laundry service and handle all of the paperwork – like billing clients for you. Starting a laundry service can be a good job for moms also, as it’s easy to fit it around any schedule.

17. Start a cleaning service

If cleaning is something you consider a relaxing activity, a cleaning service could be the right side hustle for you. I personally think cleaning houses is a nice, quiet job, and I can do it on my own time, typically any time during the day.

And depending on the level of cleaning you offer, it can be done in a few hours. When I cleaned houses as a side job, I found that it would usually take about three hours to fully clean a house. Set your own prices and try to take on some long-term clients, making this a lucrative side hustle.

You would need a reliable way to get to jobs, so it’s best if you have a car. Start with one client or two, do a great job, and you’ll see your clients double through word of mouth.

18. Join a delivery service

Today, you can deliver just about anything and get paid for it. Popular side hustles for women include driving people, working as couriers, food delivery drivers, or delivering groceries.

So, if you’re comfortable driving people around, you can drive for Uber or Lyft. You can also become a food delivery driver for Uber EatsSkip the Dishes, or DoorDash. And then, there’s Instacart for grocery deliveries.

With any of these side hustles, you can set the hours and areas you’ll work. And you can even decide which jobs you’ll pick up. Slight caveat – the average pay can be less than what you see online. And how much you make depends on your work times and how generous customers are.

19. Sell a book you wrote

If you’ve written a book or you have a great idea for one, you can sell it and make money from the royalties. This is likely the best of the side jobs for women if you love to write.

First, decide if your book will be fiction or non-fiction and come up with an outline. Then, do the actual book writing and editing, and then it will be time to publish. You can go for a traditional publisher or try out self-publishing.

And remember that a book can make you money for years to come, as long as people keep buying it.

20. Create an app

If you’re great with technology, you can create an app. You can first come up with app ideas that will help your customers with something or make their lives easier. Then, start creating the product.

You’ll likely need to know how to code and understand app development tools. After it’s ready, you can sell it and make money from advertising and subscriptions.

21. Sell baked goods at home

If you’re an excellent baker and you want a work from home job, then open a baking business right in your kitchen! You can create a website, take orders, and bake and deliver the treats.

You may need to acquire a license for this, as well as fulfill other kitchen requirements, but it can be a lucrative way to make money and you can do this during your free time. Remember to include the price of supplies when setting your fees. 

Enjoy coming up with new recipes, baking and packaging the products, and selling them to repeat customers!

22. Purchase or rent out real estate

If you want to get into real estate, there are many ways to do so and make money, making this one of the best side hustles for women.

The first and simplest method is to rent out part of your home, such as a basement or an extra room. You can do this using Airbnb or take on a more permanent tenant.

Another way is to start investing in REITs (Real Estate Investment Trusts). It will take a while to see a profit, but you can make money!

Yet another way is to purchase a rental property or commercial space and rent it out. Obviously, this would take some startup capital, but it can be very lucrative.

23. Be a chef

Are you a great cook? Become a personal chef! People can hire you to do their shopping, come up with a menu, and cook their meals for the week.

Not only is this a creative job that is fun, but you’ll also be able to help others save time and eat healthy meals!

You may need licenses and permits to do this job. It’s a fun career, and you can likely pick your hours to some extent.

24. Create a subscription box service

Have you ever seen those cute subscription boxes you can buy with all sorts of themes? From coffee to nail polish, there’s a subscription box that provides items monthly for its subscribers.

You can create your own business doing this. You’ll need an idea, a website, and customers to start.

25. Be a mystery shopper

Get paid to mystery shop! Go into stores and report on your experience, which will likely include how the store looks, how professional the employees are, etc.

If you have an eye for detail and you have the extra time, this can make a great side hustle.

Plus, you get to go to stores you love, so that makes it fun for people who enjoy shopping.

26. Become a home organizer

Is your house neat and tidy all the time? You might be the perfect candidate to become a professional organizer! You can specialize in organizing closets, garages, or whole houses. 

According to Clutterless Home Solutions, the best way to begin with something like this is to focus on creating a brand and use social media to market your services.

27. Be a fitness instructor

Do you love helping others to be healthy? Are you encouraging and supportive? You might have what it takes to be a fitness instructor.

You can teach classes one-on-one or work with a group of clients, depending on your schedule. According to Coursera, you need to obtain the necessary certifications, and choose a specialty like yoga or senior fitness, and figure out where you will work, such as a gym or if you will freelance.

Expert tip: Create a plan of action for your side hustle

When it comes to the best side jobs for women, it’s all about creating a plan of action. When I started my side hustle as a freelancer, I laid out the services I would offer, my target customers, and my plan to market my business.

I also think it’s essential that you create a budget for your business so you can plan your financials to make a profit! For me it was ensuring, I could bring in enough each month to cover my business expenses and still save.

And remember to schedule everything. When I worked multiple jobs, I would schedule in my calendar my full time job hours, my side hustle hours, plus any time I planned to spend with family, etc. That way I never overbooked my schedule.

Why a side hustle is a great idea

Side hustles for women are a smart addition to your financial plan for a lot of reasons. If you’re considering starting a side job, here are some of the benefits.

Extra money for your goals

Side hustles make money, and that means that you can reach your financial goals faster. Whether that’s saving for a rental property, paying off credit card debt, or simply having more spending money, side hustles can help. 

If you’re working full time and you have a goal that will take you two years to achieve, side jobs give you the opportunity to reach it much faster, maybe even in half the time! 

Financial security

It’s good to have more than one source of income. Having an extra income provides more stability if you experience job loss or if your hours change at one of your jobs.

In addition, having extra money may enable you to save an emergency fund or financial cushion, so you have money to fall back on if needed. Overall, having a second job really gives you more freedom.

Possibilities for the future

You may start a side hustle based on something you enjoy doing or something that pays well. Having a side job is a good way to find out how much you can make from a job, and it may allow you to do work that you love full-time in the future.

Additionally, it could open the door for more job opportunities based on networking or working in a new industry that you were previously unfamiliar with.

What is a good side hustle for a woman?

A good side hustle for a woman is whatever you are interested in doing! There are no rules for what type of business a woman can or cannot do. 

So explore all the different ideas and options you have, decide on what you are interested in doing, and then take action to get started! You should also consider the amount of money you want to earn from your side hustle and choose something that is likely to help you earn that amount.

How can women make money on the side?

When it comes to making money on the side with a side hustle, it’s all about having a business budget in place to track your income and expenses so you can plan to become profitable as soon as possible. 

Starting a business from scratch essentially means keeping your expenses low, implementing a marketing plan to get more customers, and understanding how to maximize your profit margins.

How can I make an extra $2,000 a month?

You can definitely make an extra $2,000 a month with a side hustle. $2,000 monthly is ~$71 a day or ~$500 a week. Knowing this, you can explore different side hustle ideas that earn you this amount.

Consider side hustles tied to products and services that are in high demand. For example, financial services, food services, childcare services, and personal care services are all great places to explore.

Keep in mind you need to give your side hustle time to grow and work up to being able to make $2,000 a month.

What side hustles pay the most?

Typically, side hustles in the fields of technology and marketing tend to pay very well. You may also consider starting a freelancing business where you can set your own rates, like freelance writing, editing, etc., because then you can decide how much you want to make.

While some jobs do tend to pay higher than others, remember that if you really set your mind to it, there are many careers that you can be successful in.

If you enjoyed this article on the best side hustles for women, check out this related content.

 Boost your income with these money-making side hustles for women!

To get started with side hustle ideas for women, start with something you’re good at or something that you would like to spend time doing.

And if you want to make more money, consider taking our completely free “Build your business” bundle! Remember to save and invest the money you earn from side hustles so you can achieve your financial dreams!

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21 Best Money Books For Kids! https://www.clevergirlfinance.com/money-books-for-kids/ https://www.clevergirlfinance.com/money-books-for-kids/#respond Thu, 04 Jan 2024 19:32:28 +0000 https://www.clevergirlfinance.com/?p=63238 […]

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Want to raise money-savvy kids? We’ve rounded up the best money books for kids to help you guide them into early financial literacy! Introducing money and its principles as early as possible can help tremendously ensure your kids have a bright financial future. So keep reading to learn more about the benefits of finance books for kids and our top picks!

Money books for kids

Understanding money principles is the first step before children can put those principles into practice. We also know that repetition is the best way to learn. So, adding short stories about money to your child’s book rotation is a fantastic way to get them interested in the topic.

Here are some of the benefits of money books for kids!

Benefits of reading children’s books about money

“Children see, children do.” Have you heard this before? It’s true, though, isn’t it?

Sometimes, our children copying us is just something that seems funny. However, the more our children copy us, the more habits they acquire.

For instance, children can mimic the way we speak and walk. They can also learn from our money habits.

Your children will notice if you’re calmer and more relaxed with your money. But if your kids have seen or heard you worry about money, you might need countermeasures such as introducing more positive interactions with money.

Taking time to explain simple things like paying for groceries is a good start. Then, you can drive the lessons home by teaching your kids about budgeting through some finance books for kids.

Likewise, reading more children’s books about money is a great way to bond with your child and can provide additional benefits. 

Creates a healthy relationship with money from an early age

Many adults have unhealthy relationships with money. They might think that money is evil. Some adults overspend money because they don’t want to manage it. However, by introducing the concept of money through fun characters in financial literacy books for kids, children can start to develop a healthy relationship with money.

Books help introduce money as a positive tool that can be used to better their lives.

Children can learn about money in an enjoyable and relatable way

In the eyes of children, money may seem like an adult thing. After all, the parents go to the grocery store to buy food. Children see their adults going to work every day to make money, which is something children don’t have to do.

Because of their limited interactions with money, books make the concept of money relatable. Children learn that they, too, can earn, save, and use money. 

Crucial money and life skills can be learned in a fun way

Many children’s books simplify money concepts such as budgeting, saving, and investing. So, if you find yourself overwhelmed when explaining these topics, books can help.

Financial books for kids can also teach children crucial life skills such as delayed gratification, patience, and setting goals for the future.

21 Of the best finance books for kids

Let’s get into our best money books for kids that are sure to inspire and motivate your kids to build a solid financial foundation! You can click the images to learn more about each book.

Note: These best money books for kids are linked via affiliate links that help us grow Clever Girl Finance! Please see our disclosures for more information.

1. Investing for Kids: How to Save, Invest And Grow Money by Dylin Redling And Allison Tom

Raising money-savvy kids is easier with books like “Investing for Kids“. It gives kids ages 8 to 12 a jump-start on the basics of how money works, such as how to earn it and how to start a savings plan. All of these help children look forward to a future with money in the bank.

The Dollar Duo, Dylin Redling, and Allison Tom also cover essential and engaging information on kids investing and how to make money grow to build wealth. In addition, the book delivers interactive activities and discussions that children of all ages will enjoy about investing.

2. Finance 101 For Kids: Money Lessons Children Cannot Afford To Miss by Walter Andal

Walter Andal was frustrated with the lack of personal finance resources that his children could learn from, so he wrote one. The book “Finance 101 for Kids” is exactly what it sounds like.

It’s one of the most informative and entertaining money books for kids to help them understand how money works. The book will help them build a solid foundation for handling money. It even teaches the importance of giving back to the community.

3. How to Turn $100 into $1,000,000: Earn! Save! Invest! by James McKenna, Jeannine Glista, et al.

How to Turn $100 into $1,000,000 is a thorough introduction to finance for kids ages 10 to 12. It also includes many helpful tips on setting financial goals, investing wisely, and starting a business.

The book also emphasizes saving with the added bonus of teaching your kids to think like a millionaire. I love that it clearly states that millionaires do not spend a million dollars but know how to keep a million dollars.

Young readers will enjoy the inspiring stories of how different people became millionaires. In addition, the graphics and the layout are fantastic. They make the book easy to read and help keep the young people’s attention. 

There are so many reasons why we included this book in this list of the best finance books for kids.

4. A Smart Girl’s Guide: Money (Revised): How to Make It, Save It, and Spend It (Smart Girl’s Guides) by Nancy Holyoke and Brigette Barrager

Introducing books written from your child’s perspective, like A Smart Girl’s Guide, is a great way to get them interested in money. In this read, Nancy Holyoke and Brigette Barrager teach girls money management in an easy and fun way.

The book has quizzes, tips, and helpful quotes from other girls that will delight and inspire your middle schooler.

5. Money Ninja: A Children’s Book About Saving, Investing, and Donating (Ninja Life Hacks) by Mary Nhin

The Money Ninja book is part of the Ninja Life Hacks books series geared to kids ages 3 to 11. It teaches children essential life skills through stories with colorful illustrations and adorable characters.

Read it with your toddlers and young children. It’s an excellent way to introduce the concepts of earning money, saving, and giving. All of which promote a growth mindset.

6. Grandpa’s Fortune Fables: Fun Stories to Teach Kids About Money by Will Rainey

Use Grandpa’s Fortune Fables to bond with your kids over fun and short stories about money. It features Gail, a 13-year-old girl, who shares her Grandpa’s adventures to a faraway island. Each chapter is a money lesson to help kids discover how to manage money.

Will Rainey does an excellent job of introducing financial concepts in an easy-to-digest format. The book is easy to read and provides action steps for your kids to take.

Reading and discussing the lessons is a fantastic way to teach your kids about money early on. That’s why we added this book to our list of the best finance books for kids.

7. Kid’s Activity Book on Money and Finance: Teach Children About Saving, Borrowing, and Planning for the Future—40+ Quizzes, Puzzles, and Activities by Allan Kunigis

Children are sponges who soak up every bit of what goes on around them. As parents, we can nurture that thirst for knowledge with awesome books like Kid’s Activity Book on Money and Finance.

Your child can learn about money through engaging activities like word searches, crossword puzzles, rhymes, quizzes, and other games.

The activities introduce children to the principles of money. Even if it only prompts them to ask questions, that’s a good starting point to lay the foundation of financial literacy.

8. What is Money?: Personal Finance for Kids by Kelly Lee

In a world where kids often don’t see us paying for things, it’s even more important to introduce the concept as early as possible.

What Is Money?” is an excellent book to read to your toddler.

It has short stories about money, drawings, simple language, and colorful pages, everything that’s age-appropriate for your toddler.

The book contains a series of questions with straightforward explanations and examples. This is one of the children’s books about money that gets our vote. Your kids will love to read it over and over again.

9. Investing for Teens: How To Invest and Grow Your Money! by Alex Higgs

Investing is a loud space right now, especially on social media. It seems everyone is an expert, but they’re all saying different things. So, help your teen get the right advice and helpful information with one of the best money books for kids.

The book Investing for Teens is geared towards young adults, ages 13 to 18, as a step-by-step guide on building a solid foundation for their future. It covers a multitude of topics to help them manage and grow their money and set themselves up for financial independence.

10. The Everything Kids’ Money Book: Earn it, Save it, and Watch it Grow! by Brette Sember

Help your children comprehend the value of money and become financially responsible adults with The Everything Kids’ Money Book.

Your kids will learn about the basics of money, such as how bills and coins are made and what they can buy.

Brette Sember also discusses how kids can earn, save, and invest money. Most importantly, it’s one of the children’s books about money that tackles the ins and outs of financial technology – a must for kids growing up in a digital era.

11. Heads Up Money by Marcus Weeks

The Heads Up Money book covers complicated financial and economic topics, including supply and demand, investing, and market trends. It answers inquiries like, “What would happen if the bank simply prints more money?”

Even though the topics are complex, the author presents them in a dynamic, fun, and easy-to-follow format geared toward kids in grades 5-12.

12. I Want More Pizza: Real World Money Skills For High School, College, And Beyond by Steve Burkholder

I Want More Pizza is a perfect mini-book for teens who are not big readers. Even though it’s short, this book still packs a punch.

It uses the pizza model to break down barriers around young adults’ hesitation to learn about money management.

If your kid is a teenager, you know how hard it is to get them interested in something.

So, get them a book about pizza that teaches them about saving, spending, goal setting, how to invest, and taking real-world action.

13. Kyng & Kyren’s Generational Wealth Building Activity Book by Kyren Gibson

When Kyren became a dad, he decided to change his life. He wanted to leave a legacy for his son, Kyng. Thus began his journey of learning how to build generational wealth.

He wrote Kyng & Kyren’s Generational Wealth Building Activity Book to help educate his community on the fundamental blocks of finances. And he makes learning fun, engaging, and motivating.

14. More Money, Please: The Financial Secrets You Never Learned in School by Scott Gamm

More Money, Please is a personal finance crash course ideal for high-schoolers, college students, and recent grads. It is a comprehensive, easy-to-understand introduction to money management.

It walks readers through the best budgeting practices, paying for college without getting into debt, and saving for retirement early.

In this book, Scott Gamm also discusses why having a credit card can be good and how to use technology and smartphones to pay bills on time.

15. Money Matters Made Easy: A Guide to Financial Literacy for Kids by Terence Hover 

Money matters made easy

Is your kid a young entrepreneur at heart? What better way to nurture their business ideas than with a book about financial literacy?

Written for children ages 11 to 14, “Money Matters Made Easy: A Guide to Financial Literacy for Kids” helps children set a solid financial foundation for a brighter future. 

It is a book that empowers children to make smart financial decisions and helps them avoid financial mistakes. It also teaches them how to budget, save, and give back. Terence Hover helps young readers achieve financial success.

16. Reach for the Stars: Introduce Basic Financial Concepts While Empowering Kids to Think Big! By Michele Cho-Dorado and Kaori Hamura-Long

Reach for the Stars Book

The book tells a relatable story about a girl named Mimi who wants to buy something but doesn’t have the means to do so. Instead of giving up, Mimi comes up with an idea to start a business and earn the money she needs.

An ideal book for children ages 3 to 10, Mimi’s story in Reach for the Stars is an excellent example of not only earning your own money but also the importance of giving back. 

It is also a great book to inspire children to set goals and turn their ideas into something more.

17. Investing for Kids: From Piggy Banks to Portfolios – A Fun Guide to Financial Literacy for Ages 8 to 12 by Freeman Publications and Natalia Berezina

Investing for Kids - From Piggy Banks to Portfolios

Investing for Kids takes young readers through various aspects of money. In this book, children will learn the basics of budgeting for wants and needs.

Additionally, they’ll learn about more complex financial topics, such as credit cards and interest rates. 

Freeman Publications and Natalie Berezina created a book that empowers children to be investors and entrepreneurs. The book also gives the history of money and shows how money is used all around the world. 

18. Black Wealth: Teaching Your Child Financial Literacy – Practical Activities You Can Do at Home to Set Your Kids Up for Financial Success by Dr. S Bowe 

Black Wealth Teaching Your Child Financial Literacy

The concept of wealth can be a big idea to grasp. However, the earlier children learn about it, the better their chances of obtaining it.

Black Wealth introduces practical activities that you can use to teach your children how to be financially literate. 

If you’re determined to break the cycle of generational poverty and start building generational wealth with your children, this book is for you. 

19. Three Little Piggy Banks: Financial Literacy for Children by Pamela Georg, illustrated by Meredith Luce 

Three Little Piggy Banks Books

Three Litte Piggy Banks is a helpful book that teaches valuable lessons about money while also teaching children essential life skills. 

The story is based on two twins, Andy and Ella, and is ideal for siblings. Rather than buying the twins what they wanted for their 5th birthday, their parents gave them three piggy banks. 

Needless to say, the twins were shocked that they wouldn’t receive the camera and bike they wanted. However, they quickly learn that money has more value than simply spending.

As the story unfolds, the twins learn how a piggy bank can be the key to getting what they want and more.

20. Think Like a Boss – Kids Edition: 47 Money Making Ideas for Young Entrepreneurs, Earn Key Skills for Future Job Success in the Workplace or in Business. Helping Kids Learn Money Management Early by Miss Jemma Roedel

Think Like a Boss - Kids Edition Book

Back in your day, you probably had a handful of ways to make money. Perhaps you had a lemonade stand, mowed lawns, or babysat. If you’re looking for a way to encourage your child to make their own money, as you did, then Think Like a Boss: Kids Edition is the book you must own. 

With 47 fun ways for children to earn money and tips on managing it, your child can be on their way to being a millionaire. Yes, children can be millionaires, too.

The great thing about this book is that these job ideas don’t require your child to have a particular skill or talent. Anyone can use these money-making ideas.

21. Money Plan by Monica Eaton, illustrated by Anastasia Cartovenco

Money plan childrens book

What makes the book Money Plan so fun is that it’s written in rhyming verse. It’s a story of Mia and her mom and their Saturday morning trips to the grocery store. 

The story introduces the concept of money management in a fun and enjoyable way.

Expert Tip: Earlier is better when it comes to teaching kids about money

Many parents question which age they should start talking to their children about money. The simple answer to this question is the earlier, the better. By age three, children can recognize different coins and understand that money is used to buy different items. And so, to foster their understanding, it’s helpful to communicate money concepts in a fun and relatable way.

Additionally, if you want to introduce your children to financial literacy books, it’s best to start incorporating them in your daily routines. For instance, if you usually read bedtime stories, that is an excellent opportunity to swap out a fairytale for a finance story.

You can also support your children’s learning by asking them about what they’ve read in your finance books during dinner. Talking about the concepts your kids read about in their money books will reinforce their learning.

Why read money books for kids?

Money books for kids can help children learn about finances, people, and events outside their own experiences. As a result, it exposes them to new ways of life, ideas, and beliefs about the world.

Children’s books about money are a great way to teach young kids that they can create something different and better than what they currently know.

Additionally, these books provide more reliable information to older kids and teenagers. Especially since, teens today receive an overwhelming amount of financial advice from online platforms. Unfortunately, not all of this advice is trustworthy.

Lastly, as adults, most of us worry so much about money. As a result, finances can be a charged subject when we bring it up with our children. Often, we color our conversations around money with our own difficult experiences, money stories, and biases. And it turns our children off from listening, let alone learning. That’s why handing your kids a money book is sometimes a better idea.

How do I teach my child about money?

A simple way to teach your children about money is by talking through processes that involve money. When you go to the grocery store, start mentioning the prices of different items. You can also incorporate giving children an allowance. 

However, to give your children a well-rounded view of money, it’s a good idea to leverage financial literacy books for kids. Books offer fun storylines and characters that can help children digest the concept of money. 

Lastly, remember to model healthy money habits for your children. Staying within your budget, having positive conversations about money, and setting money goals are also ways to set positive examples. 

What is the best book for learning money?

The best book for learning money can depend on your financial needs. However, some of the best books will cover the basics of financial literacy, earning and budgeting money, investing and saving money, and include tips on avoiding or paying off debt. 

Bestselling finance books include practical tips, inspiring stories, and useful information. 

Some bestsellers include “I’ll Teach You How to Be Rich,” “Clever Girl Finance-Ditch Debt, Save Money & Build Real Wealth,” and “Rich Dad, Poor Dad.

What is basic financial literacy for kids?

Financial literacy for kids can be simple. It starts with understanding where money comes from and how to use it responsibly.

Financial literacy books for kids will teach them how to earn money, how to budget or manage money, how to save money, and how to invest. 

When kids understand how to earn, use, save, and invest money, they are more likely to grow into adults who understand how to obtain financial success.

If you enjoyed this article on financial literacy books for kids, check out this related content!

Raise financially savvy children with the best money books for kids!

Many of us got to adulthood without any money management skills. With proper skills, we can avoid numerous financial problems.

We weren’t better equipped because most of our parents didn’t have any knowledge to pass on.

Furthermore, much of the money advice that worked then doesn’t work now. And it probably won’t apply to the world our kids will grow up in.

So, let’s do better for our kids. Start financial conversations early by reading more children’s books about money. Get them interested in exploring financial literacy with the help of the money books for kids in this list.

To keep learning, see the other Clever Girl Finance articles about financial wellness and how kids can make money!

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23 Baby Travel Essentials And Baby Travel Checklist https://www.clevergirlfinance.com/baby-travel-essentials/ https://www.clevergirlfinance.com/baby-travel-essentials/#respond Tue, 26 Dec 2023 14:58:17 +0000 https://www.clevergirlfinance.com/?p=62547 […]

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Traveling with a baby can be daunting, especially if it’s your first family vacation, but it doesn’t have to be. Babies need a ton of stuff, so you may wonder how it can all fit in your suitcase (and your car). Our list of budget-friendly baby travel essentials will help you pack like a pro while only taking what you actually need and enjoying a stress-free trip!

Baby travel essentials

23 Baby travel essentials

Traveling is a great way to share new experiences with your baby and enjoy quality family time together.

The change in routine and the physical demand of traveling can make it difficult for both babies and their parents.

So, here are the baby travel essentials and travel gear that will make traveling easier for mom and little ones.

Note: Some of the product links below are Amazon affiliate links. This means if you make a purchase, we might get a small commission that helps us grow!

1. Car seat

When traveling with a baby, safety is your number one priority. The Federal Aviation Administration (FAA) recommends using an approved child restraint system (CRS) on an airplane.

Taking your infant car seat or toddler car seat with you may feel like a huge hassle, but it can save you the time and hassle of finding suitable transport options in other countries if you already have your own. It’s important that you check with your airline which car seats are approved, though, as not all of them will be accepted on the flight.

To help protect your CRS from damage during traveling, consider purchasing a travel car seat bag to use on your journey and save money by not buying replacements.

2. Baby travel cot

Baby travel cots are also called a pack-n-play, or a travel crib, and it’s one of the baby travel must haves. They are a great way to provide a safe and familiar place for your baby to sleep on your travels, especially without a regular crib. They are compact, easy to transport, and reasonably budget-friendly.

When considering which travel cot to buy, look out for the following features:

  • Ease of use: You want something that won’t take you hours to put up and pack away.
  • A mesh window: This is important so you can always see your baby.
  • Washable covers: In case of accidents or use over time

3. Portable feeding seat

If you’ve reached the weaning stage with your baby, a travel feeding seat will make feeding and snacks much easier (and safer) whilst away from home. No more trying to feed your baby on your lap whilst trying to eat yourself!

Before purchasing baby travel essentials like this, check the item’s minimum age requirements and weight to ensure it suits your needs. And here’s some advice to a new mom: fabric seat harnesses are a great, portable solution.

4. Baby monitor

A lightweight travel baby monitor is one of the baby essentials for parents on the go. Whilst you’re on holiday, you can get peace of mind that your child is okay without having to go into their room constantly.

Travel monitors must have long-range, good battery life, and be durable enough to withstand traveling.

In addition, certain models are non-WiFi, which is excellent if you don’t have a reliable internet connection where you are staying.

5. Foldable baby bath

Just because you’re staying in holiday accommodation doesn’t mean you have to miss out on bath time fun or the baby’s usual bedtime schedule.

Portable baby baths are designed to be convenient, making them the perfect travel companion for your tot. They also ensure that you can enjoy bath time safely, wherever you are.

Choose one that folds or collapses flat so that it can lay flat in your luggage. And don’t forget the bath toys for the tub, too!

6. Portable white noise machine

If your baby is used to sleeping with background noise, a white noise machine is a great item to pack in your bag and take with you.

Generally, portable sound machines are small and durable, so they are easy to pop in your suitcase or baby’s bag. A noise machine may be a packing category that’s easy to forget, but it’s so important.

Top tip: Some even have built-in night lights, creating the optimum sleep environment for your little one.

7. Pacifiers

If your baby uses a pacifier, it’s essential that you pack enough of these baby travel must haves for your journey.

To make sterilizing on the move easier, purchase a pacifier set along with a handy sterilizer box so you can pop them in the microwave with some water and have them ready for baby in minutes.

8. Baby toiletries

An essential part of your baby packing list is toiletries. Just like us, there are some items that babies rely on every day.

And if you don’t have much space in your suitcase, you can buy smaller traveling bottles to fill up your supply at home to help you have the best family vacations on a budget.

Here are the toiletry travel essentials for your baby that you will need:

  • Baby wipes
  • Diaper rash cream
  • Baby shampoo
  • Baby nail clippers
  • Suncream
  • Items for potty training

Use packing cubes to neatly organize your baby’s items and save you time finding what you need when you arrive.

9. Baby first aid kit

Accidents happen and sometimes can’t be prevented. Especially during travel when it’s hard to baby-proof anything. But you can be prepared.

A baby first aid kit will contain everything you need in case of mild illness or small injury, from plasters and antiseptic to cold compresses and thermometers.

It’s crucial that you buy a pediatric first aid kit so that the items included are suitable for your baby.

10. Feeding equipment

Whether you’re breast or bottle feeding, certain items are essential to take while away from home.

If you’re nursing, don’t forget to pack a nursing cover, pads, and breast pump. If your baby is a bit unsettled in an unfamiliar environment, you will probably find that if you nurse your baby, it will help to soothe and settle them.

In addition, if your baby is taking a bottle, pack enough formula milk so you don’t have to worry about running out while you’re away. Packing a small travel bottle brush is also a good idea to clean your bottles on the go.

A plastic baby spoon and other utensils are a baby travel essential if your little one is starting to have solids.

11. Baby-proofing kit

If your baby is on the move, consider packing a baby-proofing kit to minimize the risk of accidents while on vacation.

A baby-proofing kit contains electrical covers and corner guards for furniture to make the property you’re staying in a safer environment. Some may even include travel stair baby gates, which are essential if you’re staying somewhere with stairs.

12. Travel highchair

Make your weaning journey easier and less stressful when you’re away from home with a reliable travel highchair.

Having your own portable high chair means you won’t have to worry about whether your accommodation or places you eat at will have sufficient facilities.

Look for ones that are lightweight and easy to clean, and you won’t regret your purchase!

13. Backpack diaper bag

When you’re a mom, you need your hands free. That’s why a backpack diaper bag is a great item to have.

They’re easier to carry around if you’re out and about. Backpack diaper bags usually have extra pockets and storage for all your baby’s needs, such as a change of clothes, diaper changes and other toddler essentials.

Plus, they have compartments to help you be organized.

14. Lightweight stroller

A travel stroller is one of the best baby travel essentials because it makes it easier to get around. Choose one that’s lightweight and collapsible, so it doesn’t take up a lot of space.

It will also be easier to load in overhead compartments of trains and airplanes. Leave the bulky pushchair at home!

15. Ergonomic baby carrier

An ergonomic baby carrier is another of the travel essentials for baby because it’s better for your back. It’s a safe and practical way to carry your baby, especially where strollers are hard to maneuver.

A baby carrier also gives you the advantage of being hands-free while your tot enjoys the scenery. Choose a carrier that can be worn for both the back and front so it can be adapted for your baby’s toddler stage. Make sure it’s comfortable and machine washable as well.

16. Sleeping bag/swaddle

Add sleeping bags and swaddle blankets to your baby packing list of essentials for another layer of comfort. Choose lightweight swaddles and sleeping bags to make them easier to fold and more space-saving for your suitcase.

Top tip: the trick to traveling with a newborn or toddler is mirroring their regular routine. So, if that means your child normally falls asleep swaddled up in a blanket, you should also do this when away from home.

17. Sensory travel toys for babies

Baby travel essentials can also be fun! Toys can help distract babies and make them less anxious because it’s familiar and comforting. They’re also a great way to pass the time, making travel easier and more fun.

Some of the very best travel toys for babies include rattles. They are reasonably small, making them the perfect size to slip in your hand luggage, and your baby will love the noise they make.

Teether toys can help calm a fussy baby whilst on the move. High-contrast board books are another great way to keep little minds busy during long journeys.

Baby will love looking at the pictures whilst listening to you tell them a story. You may also include items like stickers, depending on your child’s age.

18. Travel blackout blind

When traveling with tiny humans, sheer curtains in the rooms are the worst. Your baby will likely wake up at the first sign of light, stopping anybody from sleeping well.

That’s why you need your own blackout blinds in your vacation budget, whether staying in a hotel, Airbnb, or with relatives. Amazon sells lots of different portable blackout blinds to suit your budget and style.

19. Waterproof wet bag

Carry a waterproof wet bag with you so you don’t have to worry about getting anything wet. It’s a better alternative than plastic bags. You can store wet clothes in it and keep the rest dry.

20. Water shoes

Water shoes are a must-have travel item if your baby has started walking.

They help to stop your kids from slipping and falling when playing around the pool, especially if they have just started walking and are a bit wobbly on their feet.

Additionally, swim shoes are great if you’re visiting beaches with lots of shells, corals, or rocks.

21. UV beach tent

When considering travel essentials for baby, don’t forget to take in the climate where you are staying. A pop-up beach tent provides an excellent sunshade for your little one.

Most tents also feature 50+ UPF for extra protection, so your tot isn’t sunburnt. That’s why beach tents should be added to your baby packing list.

Here’s a reasonably priced beach tent you can set up easily!

22. Cooler for snacks and formula

When traveling with your little one, you’ll need to keep snacks and liquids on hand, and a travel cooler is an easy way to do it. You can use a cooler for snacks and bottles or a cooler to store breastmilk.

23. Stroller weather cover

Whether you are out and about in the city or spending the day at the beach, if you’re going to be outdoors, a weather cover can be helpful. Bring a stroller cover that protects from rain and wind to make your baby more comfortable as you travel.

Expert tip: Travel at night with your baby when possible

There are several benefits to traveling to your holiday destination during the night when you have a baby in tow.

Firstly, it won’t disrupt your child’s routine as much, so there’s more chance that your bundle of joy will sleep during the night. That means that they will spend less time awake, hungry or bored.

There are usually fewer road users and passengers at night, so you can expect to arrive at your destination sooner than if you were traveling during the day.

If you’re flying to another country, you may also save money by booking night flight tickets, as it tends to be cheaper to fly during unsociable hours.

3 Commonly forgotten baby travel checklist items

Before you leave for a trip, there are certain things you can do to make the actual traveling more streamlined and enjoyable.

Use this checklist for baby travel to make sure everything is in place before the day you travel.

1. Travel insurance

Babies get sick. And if that happens, insurance can prevent you from losing a ton of money.

More importantly, travel insurance will ensure you have the right medical coverage in another country if you need to use it.

2. Check medications

If your baby takes regular medication, ensure you have enough to cover the days you’re traveling. For certain medications, you may need a letter from your doctor that explains to the airline what the medicine is for.

Clearly label all medications with your baby’s name, your contact details, and the correct dispensing instructions.

If you’re flying solo with your baby, in some situations, you may need to prove that you’re the child’s parent (especially if you don’t share a surname). Pack birth certificates and a consent document from the other parent so you’re prepared if you need to show them.

Helpful ideas to travel successfully with a baby

While there’s no perfect routine or system to stick to when traveling with a baby, there are a couple of things you can keep in mind that may help traveling be easier:

Keep a routine as much as possible

If your baby is used to a specific routine, try to stick to it as much as possible. While traveling may make things difficult, at the very least, if your child can take regular naps at the same time that they’re used to, it can go a long way in making them feel more comfortable while they aren’t at home.

If you can also try to have meals at similar times to the usual, this can be helpful, as well.

Bring plenty of items to entertain your child

Since you may be traveling for hours at a time, bring plenty of toys and items to entertain your baby. Books, toys, music, movies, puzzles, etc., can all distract your child so they are less focused on their surroundings. This is one of the best car or airport hacks.

What do babies need for traveling?

Our complete baby travel checklist contains the essential items to put in your carry-on when traveling with babies. There’s no need to spend weeks researching and worrying about what to pack. Use this checklist for peace of mind that you’ll have everything you need:

  • Baby passport
  • First aid kit
  • Travel insurance documents
  • Travel consent documents (if required)
  • Medication (if required)
  • Phone charger
  • Diapers/swimming diapers
  • Baby wipes
  • Changing pad or change mat
  • Diaper bags
  • Diaper rash cream
  • Sanitizing wipes
  • Baby lotion
  • Baby wash
  • Muslin
  • Nursing cover
  • Bibs (Silicone bibs are best for travel)
  • Burp cloths
  • Pacifier
  • Teething toys
  • Baby books
  • Two changes of baby clothes, onesies, or outfits
  • Breast milk or formula
  • Baby food (if weaning)

What items are essential for a baby on an airplane?

Items like snacks, toys and bibs are essential for a baby on an airplane. But in addition to these items, be sure to pack the following in your carry-on to help make the flight more comfortable for your baby and less stressful for you:

Earplugs

Airplanes can be noisy and unsettling places for little ones. During take-off, noise levels can rise and cause discomfort for babies and infants.

Baby-safe earplugs or headphones are a great way to help protect your child’s ears. They could even help your baby have a nap!

Lightweight blankets

An airplane cabin can get cold, so blankets are essential for little ones. It’s also a lovely way to get cozy and encourage sleep.

Toys

Let’s face it, flying can get boring on long-haul journeys. Babies don’t understand the concept of time, so using toys as a distraction is a good way to ensure your flight goes smoothly. Don’t forget your baby’s favorite cuddly toy too!

Spill-free sippy cup

If your baby is starting to wean, you may offer your child water. Airplane cabins have low humidity levels, so having plenty of fluids on hand can keep your little one hydrated.

The last thing you want is to deal with cleaning up a spillage in a cramped environment, so pack a reliable cup you know won’t leak.

Functional baby carry-on bag

The best type of carry-on to use when traveling with a baby is one with lots of easily accessible compartments so you can organize your items, such as formula, bottles, clothes, bibs, changing pad, diapers, diaper cream, baby wipes, hand sanitizer etc. It will save you the time and stress of trying to find something that you need quickly!

A carry-on bag you can wear on your back will keep your arms free for the baby. Remember to check that your bag complies with your airline’s size and weight restrictions before traveling.

Airports don’t stock a huge selection of baby travel essentials, so it’s important that you take all the essentials you might need for a baby on an airplane.

If you enjoyed this article on travel essentials for baby and the baby packing list, check out this related content:

A list of baby travel essentials can help you budget for the most important items!

We hope you found this list of baby travel essentials helpful, although we recommend being mindful of your budget and any extra cost.

And remember, when considering how much does having a baby cost, you don’t have to follow every new trend or buy every viral product for your baby.

Consider the most important items you’ll need for your child in the first few years, and focus on purchasing those baby travel must haves first. But as always, we encourage you to do what’s best for your family, especially when it comes to how to spend money wisely.

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17 Best Items to Resell for Extra Cash https://www.clevergirlfinance.com/best-items-to-resell/ https://www.clevergirlfinance.com/best-items-to-resell/#respond Mon, 20 Nov 2023 19:38:57 +0000 https://www.clevergirlfinance.com/?p=61760 […]

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Are you searching for new ways to make extra income? Let us introduce you to reselling and give you ideas on the best items to resell! In this article, we’ll discuss where to find items (some are right in your own house!) and where to sell them as well.

Best items to resell

If you’re a natural bargain hunter (maybe a coupon-clipper who constantly looks for the best coupon websites), keep reading to learn how to use that skill to make extra cash. Let’s get to it!

How does reselling work?

As the word implies, reselling involves buying items and selling them again for profit.

So, follow the age-old advice to buy low and sell high. But how do you figure out the best things to resell?

With the help of technology, it’s never been easier to build a reselling business or learn how to start business from scratch ideas. Nowadays, you can essentially sell anything.

My advice is to start with your unwanted stuff. Then, find items from yard sales, auctions, and marketplaces. Sell items you find for a profit, noting what sells well and what you can list at a higher price.

Why reselling for cash is a great idea

Reselling is great if you’re looking for ways to make money. It’s one of the best and most unique side hustles you can do in your spare time.

You might even learn new skills. Most importantly, starting a side hustle can help you build a financial cushion through the following:

Build your emergency savings

With the extra income, you can build or boost your emergency fund account.

We’ve been living through a series of “unprecedented times.” Many households are feeling the impact of inflation on savings, an unstable job market, and a looming recession.

That’s why it’s crucial to pad your emergency savings in case of job loss, medical emergency, and other unexpected expenses.

Pay off debt

You can also use any additional cash you generate to learn how to pay off credit cards fast. Paying off debt saves you interest and fees.

It also frees up more disposable income to spend on things you like. Flipping items for a higher price in a resale business can help you enjoy more of your life. 

In addition, being debt-free not only benefits your bank account but also helps you feel better physically and mentally as well.

Have cash on hand

Starting easy side hustles like this and making extra money is an excellent way to save for vacations, home renovations, and other planned expenses you might have.

It also increases your ability to invest, so your money works for you. 

The 17 best items to resell for a profit

There are two approaches you can take when choosing what to resell. The first is to buy or sell items you know enough about.

You can also research the most lucrative items for resale and learn how to sell them. It’s not necessarily hard, but it does take time and effort.

You’re never too old to learn new things! Check out the list below for some ideas of the best things to resell. 

1. Sports memorabilia

With technology, it’s become easier to buy and sell sports memorabilia. It’s expected to grow into a $200 billion industry by 2032, according to Globe Newswire

People have always been passionate about their teams and sports heroes. So, look for items connected to well-known teams and players since a large fan base means a bigger market for you.

In addition, the age, rarity, and condition of the items affect the price you can sell pieces for, as well as whether the item is authenticated or not.

Sports jerseys, autographed pictures, game balls, action figures, and trading cards are some of the best items to resell.

2. Antique items

There’s always a market for antique pieces, so they’re some of the best items to resell. Think antique clocks, lamps, china, decorative items and even vintage toys.

With antique items, you’re dealing with a small number of products. So, you’ll most likely spend most of your time looking for inventory.

Check out thrift stores, estate sales, and flea markets for great options at affordable prices. You may be able to buy from auctions and other antique dealers as well. Of course, don’t forget to check the good ol’ Facebook marketplace.

3. Shoes

There are many ways to resell shoes depending on who you want to sell to and what you know.

So, if you know sneakers, there’s money in selling limited edition sneakers like Adidas and Nike styles.

You can also make extra money from selling designer shoes from luxury brands like Louis Vuitton, Gucci, and Christian Louboutin.

Similarly, there’s a market for more mainstream brands like UGGs, Converse, or Michael Kors.

4. Toys and games

Collectible and old-school toys are some of the best items for reselling. You can always find buyers for vintage action figures and Barbies, Beanie Babies, and American Girl Dolls.

Apparently, there’s also a market for Pokemon trading cards.

If you don’t know anything about trading cards, you can make cash selling video games and board games instead.

If you can find the season’s hottest toys, you can also make a good amount of money.

However, this would mean ensuring you’re up to date with what’s trending on social media. 

5. Musical instruments

Kids and adults alike are known for starting a hobby only to abandon it shortly afterward. That’s why musical instruments are great items to resell. There’s always someone looking to buy one and another looking to sell.

Guitars, basses, and amplifiers are the most popular to flip. But you can also sell drums, flutes, clarinets, saxophones, etc.

6. Sporting goods

There’s a high demand for used sporting goods because they’re expensive to buy new. Bikes, ski equipment, golf clubs, and camping gear are among the best items to resell.

Find items online at places like Facebook Marketplace or garage sales that you can try to flip for profit.

7. Exercise equipment

Many people buy exercise equipment with the best intentions. However, these items can sit for years without being used. Often, they’re also heavy and bulky, so people are happy to get rid of them.

You can typically sell treadmills, ellipticals, exercise bikes, and home gyms for decent profits. Even weights, kettlebells, and yoga mats are some of the best items to resell.

8. Clothing

The secondhand apparel market is growing. It’s expected to become a $350 billion industry by 2027, according to ThredUp

If you have a talent for fashion, you can niche down and only look for designer, vintage, or branded clothing to sell. You may also choose to curate well-loved pieces for everyone. It’s best to start with what you know and what you own.

You could ask family and friends for unwanted clothes as well.

Then, get comfortable sourcing items from consignment stores, shops like Goodwill, garage sales, store clearance racks, and thrift stores. ThredUp is also a good place to find branded and designer items to sell.

9. Books

I think books are one of the best items to resell because it’s not difficult to find inventory. Remember that Amazon started as solely an online bookseller. That said, you can resell books through Amazon.

I check out library sales and yard sales when I want to find books to sell. Sites like NextDoor and other local classified ads can turn up some good finds, too. Check the best online marketplaces for reselling books to make a great profit.

The most popular books to resell are textbooks since they are so expensive, and no one typically wants to reread them after they’re done. (Find the best place to sell textbooks online!) There’s an audience for most non-fiction books, arts and crafts, and sheet music as well.

10. Household items and decor

To find household items to sell for quick cash, look around your home for stuff you want to get rid of. It’s a win-win! You get to declutter, make money, and try your hand at reselling.

It may take trial and error to find what sells in your area. But shelves, paintings, decorative pieces, and holiday decorations are great things to sell via online marketplaces.

You can also make good money from selling expensive kitchen appliances such as air fryers, espresso machines, or blenders.

11. Furniture

You would need a large area for storage and a bit of sweat equity to resell furniture. But people are always looking for affordable furniture. So, they’re great items for resale.

Start with basic pieces like tables, chairs, couches, and desks. Mid-century modern furniture is making a comeback, so these are great items to look for.

You can also fix up pieces like dressers and sideboards and make more money. As always, the first place to look for furniture is your own home or storage space. 

Keep in mind that furniture is bulky to ship, so it is better to do it locally. Facebook Marketplace is a good option for this.

12. Handbags

Just like shoes, handbags are a great reselling option, especially if you want to sell designer handbags for cash.

But again, it’s best to start with what you know because there are lots of imitations out there. Authentic luxury handbags are some of the best things to resell in today’s marketplace. Personally, this is one of my favorite ways to make money!

As you gain experience and get to know your buyers, you can focus your attention on brands that resell well.

You may choose to specialize in high-end designer bags, such as a Hermes Birkin bag investment, Chanel, Prada, and Gucci. On the other hand, your bestsellers could be brands such as Marc by Marc Jacobs, Tory Burch, and Longchamp.

13. Jewelry and other accessories

Jewelry and accessories are very lucrative resell items. Finely crafted jewelry pieces like engagement rings can be worth a lot because of their quality and material. The same is true for high-end sunglasses and expensive watches.

For instance, diamond earrings or costume jewelry from well-known designers can fetch you a pretty penny. Just ensure you have authentication or an appraisal so you can ask for a better price. 

With inexpensive accessories like belts, hats, and scarves, focus on selling more items. Show customers fun and interesting ways to wear them, and they, too, can become some of your best resell items. 

14. Tools

People usually buy hand tools and power tools for one project and then decide to sell them. On the other hand, these tools can get expensive, so many would look for previously owned items first.

This is why selling tools is a great way to make extra income. Look for name-brand tools like DeWalt, Makita, and Bosch because buyers want trusted brands.

Power tools like weed whackers, circular saws, and cordless drills sell well. But so do common tools like hammers, saws, socket sets, and screwdrivers.

15. Electronics

Electronics offer multiple avenues of reselling. Smartphones, gaming systems, cameras, and laptops are popular items that are both in demand and readily available.

At the start of your selling venture, stick to brands and models that retain their value, like Apple iPhones, iPads, and Samsung Galaxy phones.

There’s also a market for popular consoles and games from the ‘80s and ‘90s. So, you can make money sourcing and selling them.

16. Kids’ gear

Baby gear, clothing, and toys are expensive, especially for parents trying to stick to a baby budget and keep up with changing needs as their kids grow. That’s why kids’ stuff is one of the best items to resell.

You can also feel good about reselling these items because you’re providing a great service to parents looking for ways to save.

There are ways to earn money selling gently used kids’ stuff. You can focus just on children’s clothes. Or you may choose to focus on the best things to resell, such as good quality toys, gently used strollers, high chairs, and cribs. 

17. Vinyl records

Vinyl records are somewhat of a nostalgia item for some collectors, making vinyl LPs one of the best things you can sell.

In addition, vinyl record sales continue to increase in sales over consecutive years, per VarietyThis means theres strong demand and a strong market for these collectibles.

Expert tip: Determine what items sell best

One great way to make extra cash is by reselling items that you have around the house or that you find at other resale shops. By using online marketplaces as well as local options for reselling, there’s likely a good chance of finding buyers for these popular resale items. 

I like to do my research ahead of time to determine the best items people want to buy in my area. And I keep in mind that I might also have other used products that could fetch a decent resale price.

Use the idea of extra cash as motivation to declutter your home or check out vintage retailers for great resale items. 

5 Ideas for where to find items for resale

If you didn’t automatically think of a pile of stuff you’ve got lying around, you may wonder where to locate these great items to resell. Avoid retail stores and check out these common treasure troves of the best stuff to resell, which could be worth real money to someone else.

1. Your home

First of all, you definitely want to take a look around your home for any potential resale products. Even if you don’t live in a large place, you might be surprised at how much stuff you’ve accumulated over the months and years. 

Do a closet purge, and go through your drawers and storage units to see what you don’t need anymore. Chances are good that you’ll uncover some great items that will draw a higher price. It’ll feel great to clear space in those cluttered areas, and your wallet will thank you, too.

2. Relatives’ homes

Along the same vein, why not consider if your parents, friends, or other family members are holding on to stuff they don’t need?

Now, be sure these relatives are on board with clearing out their things, but they may be thrilled that someone else wants to help them get rid of household items! 

If you get their approval, you could spend a few Saturdays going through spaces in a loved one’s home to find anything worth reselling. Being open to flipping items is also helpful. 

You’ll have to work out an agreement with your relatives about how to divvy up the money—or maybe they’ll say you can keep it all!

3. Antique and vintage stores

Once you’ve exhausted options at home and within your family, it’s time to go antiquing. Antique stores and vintage shops are fantastic places to find items. 

It may require some research on your part unless you’re an antiques expert. You can look up items online or talk to appraisers in your area to find out the potential value of something and the best items to flip

Just be careful not to spend more to purchase vintage items from a retailer than you can reasonably expect to earn through resale. 

4. Flea markets

Similar to an antique store, a flea market is a wonderful resource for stuff to resell.

In most cases, the sellers at flea markets are also reselling, but that doesn’t mean you can’t find a good deal. If you’re really interested in spending time on this side hustle, you can explore area flea markets regularly to pick up some of the best resell items. 

5. Garage sales

Let’s not forget about the good old garage sale (or yard sale). People holding garage sales are often eager to unload their stuff and may be happy to make a quick 100 bucks for a day’s work if they need $100 dollars fast

I find that weekends are a good time to explore garage sales in nearby neighborhoods, and it just takes time and effort to pick out the types of things I can resell for the biggest profit. I look for items that are good quality, of course.

Where to list items for resale?

Now that you’ve got a few ideas on what to resell for profit explore your options to find the places where you can make the most money.

Different platforms cater to different customers. Check the fees and policies of the platform before you sign up, and make sure it’s right for your inventory.

Here are a few sites to consider.

Social media sites

You can post pictures and descriptions of items you’re selling on social media sites. Instagram and Facebook Marketplace are free to use.

However, you have to keep in contact with buyers and give them directions on how to pay, and some customers will make it a hassle for you. 

Another way to use social media is to drum up interest from potential buyers by posting photos or descriptions of items. But redirect people to your website, where they can browse and purchase your products.

Your own website

You don’t have to be tech-savvy to create a website. You can also get one done from freelancing sites like Fiverr or Upwork.

Building and maintaining a website costs money, but it would also save you from paying commissions and fees.

Keep in mind that drawing traffic (customers) to your website can be challenging if you don’t already have a large following. You’ll probably still need to post on free marketplaces to direct people to your site. 

Amazon

Amazon is a good place to sell everything we have on this list. To sell on Amazon, you have to sign up for a merchant account.

They also charge a fee for every item you sell, depending on your plan. But you can sell on a well-known site with a built-in system.

eBay

Just like Amazon, there’s nothing you can’t sell on eBay. You can list a huge variety of the best resell items, including collectibles, antique items, video games, clothes, shoes, etc.

You’ll need to follow the platform’s guidelines and selling policies, of course. They also charge fees based on the item’s category and selling price.

On eBay, you have to build up a reputation with reviews. You might start with less expensive items first to establish your account.

Etsy

Etsy is another platform that’s been around for a while. If you want to sell on Etsy, you’re restricted to only items that are handmade, vintage, or qualify as a craft supply

Poshmark

Poshmark is another marketplace you might consider. It’s a great place to sell accessories, home goods, designer clothes, and shoes.

Poshmark also takes commissions, so take that into account when setting prices. For sales under $15, they charge a flat fee of $2.95. And for items that sell over $15, they take a 20% commission.

OfferUp

OfferUp is an app that lets you purchase and sell items locally. Once you download the app, you upload photos and create descriptions for the items you want to sell.

Listing on OfferUp is free, and you can arrange payment and delivery with your buyer.

However, if you choose to accept payment and ship items through the app, you’ll be charged a service fee. (It’s either $1.99 or 12.9% of the final price without shipping costs, whichever is larger.)

Vestiare Collective

Vestiare Collective is an online luxury consignment with one of the most meticulous authentication processes, so you know you’re getting the real deal. It could be a great place to source vintage clothing pieces and designer brands for your reselling venture.

Similarly, they accept designer bags, watches, jewelry, and clothing in case you need to offload pieces you can’t sell.

Craigslist

Try Craigslist when you want to list items that are good quality but cheaper than retail price. There are items under a wide range of categories, including sporting goods, books, CDs, jewelry, furniture, electronics, and so much more. Craigslist is just one of many online marketplaces where you can set up a resale business. 

What is a good resell item?

There are quite a few good resale items to choose from, as seen above. Think about items that are likely to still be in great condition even after use.

Kids’ gear may be a good option, as well as exercise equipment that often goes unused by the original owner. And, of course, if you have collectibles that are in demand at the moment, those may be some of the best things you can sell.

What is the best item to flip?

One of the best items to flip is anything in the furniture category, especially good-quality wood furniture.

It isn’t a skill we all have, but if you’ve got space to store and refinish wooden dining sets, for example, you could make a good resale by doing the work of making it look like new. Try flipping furniture to get the best return on your investment potentially. 

What is a good resell profit?

A good resell profit really depends on what you need to earn. In general, figure out not only how much money you’ll spend acquiring items to resell but also how much time and energy it’ll take between flipping items and finding places to sell them. According to Rayobyte.com, resellers like to aim for a 50% profit margin.

For example, an item you pay $20 for, you’d want to resell for at least $30 (that’s only if you didn’t spend any money to repair or refurbish it). You don’t have to stick to that amount, but make sure you’re pricing things high enough to make it worth your while to resell it. 

If you enjoyed this article on the best items to resell for cash, check out this related content:

Start reselling to make extra cash!

Finding the best items to resell is truly a great way to make extra cash. There are multiple ways to get started, like decluttering your home and selling your own unwanted stuff.

The start-up costs are minimal. Also, you can begin making money right away with a few listings on social media sites and apps.

However, it’s not one of the businesses that run themselves for passive income. 

Start today and use your extra income to pay off debts, or take a lovely vacation. Check out our completely free courses on investing and learn how to make your money work for you.

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I Don’t Want To Work Anymore! 14 Ways To Recover From This Feeling https://www.clevergirlfinance.com/i-dont-want-to-work/ https://www.clevergirlfinance.com/i-dont-want-to-work/#comments Thu, 19 Oct 2023 14:52:10 +0000 https://www.clevergirlfinance.com/?p=59789 […]

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It’s not fun to wake up and have “I don’t want to work anymore” as your first thought. You can’t enjoy the day if you’re in a funk that’s hard to shake. But it’s important to find out why you feel this way and what you can do about it.

I don't want to work anymore

First off, don’t judge yourself for feeling this way. You can’t expect yourself to love working all the time.

Furthermore, it’s normal not to like every aspect of your job.

What you need to do is explore what’s behind it. Therein lies the answers to what you can do differently. So, let’s get to it!

Why you may say, “I don’t want to work anymore”

Life is busy – you have responsibilities and goals to check off. But feeling like you don’t want to work anymore is your check engine light coming on. 

Your body and maybe your intuition are talking to you. Take time to listen. Here are a few reasons why you may be screaming, “I don’t want to work!” into the void. 

You’re burned out

Burnout is more than being exhausted physically. It happens when you get stuck in a cycle of being overwhelmed, stressed, and emotionally drained.

Don’t shame yourself for feeling burned out. Modern life is great and all. 

But you’re also expected to juggle having a family, career, and social life effortlessly. Sometimes it can be too much!

There’s a lot going on in your personal life

Of course, it’s not going to be business as usual if you have a lot going on in your personal life.

Your relationships and your home are supposed to offer safety and peace. If you are facing money troubles, illness, or divorce, it will impact your work life. While your work is not directly responsible for you feeling burned out, you may still need some time to recover from the overwhelm.

The company you work for is toxic

You love what you do, but the company’s culture is toxic. You may have a toxic boss or find yourself trying to figure out how to deal with a toxic coworker. So, you’re sitting there thinking you don’t want to work. 

Unfortunately, many work environments run on abuse and bullying. And sadly, workers tolerate the mistreatment because they need a paycheck and health insurance. 

If you feel that your workplace is toxic, it may be time to look for a new job somewhere else.

The team you work with just isn’t a good fit

Sometimes you just jive with people, which creates a fun, collaborative work environment. But if you have to navigate unhealthy office politics alone, it’s hard not to say you don’t really want to work anymore. 

But it’s important to realize that the work itself may not be the problem. You may want to stay in a similar career but work with a different team.

You REALLY don’t want to go back to the office

Another reason you may not be happy at work is that you don’t want to go back to the office. Working from home means you don’t have to commute and sit in traffic. Not to mention, you can use the extra hours to rest or do something you enjoy, like stress relieving hobbies

It might be time to transition to a remote working career instead if you enjoy the extra freedom it provides.

Finding fulfillment in your role is difficult

As humans, we actually like to learn and grow. So, the reason you don’t want to work anymore may come from being unfulfilled in your current role.

If you’ve been on a job too long, you become stagnant. You’re probably due for a different environment, or you may need to start challenging yourself more at work.

You don’t feel appreciated

It’s human nature to want validation. But it could be why you haven’t felt good about work lately. You may not feel appreciated at work or feel like your work isn’t valuable.

When you put too much emphasis on external goals and validation, you open yourself up for disappointment. Because you might not get what you’re looking for. 

It’s not that you’re not worthy or deserving. But the people you want appreciation from may not see your efforts. They could also have different goals and yardsticks altogether.

14 tips to recover from work burnout and love your job again

Apparently, you spend one-third of your life at work over your lifetime, according to Gettysburg College. So, it’s a real downer if you spend all that time thinking, “I don’t want to work at all.” 

You can’t fix a toxic work environment, but you can gain a new perspective to cope with a job you don’t like. Here are a few tips to help you recover from burnout and love your job again.  

1. Take that well-earned vacation

42 percent of your time should be spent resting, according to Drs. Amelia and Emily Nagoski, in order to avoid burnout.

So, if “I don’t want to work” has become your mantra, then it’s time for some days off. Whatever it is you’re working on will be there when you get back, so start working on your vacation budget

2. Find gratitude

Being grateful isn’t the same as being content. You may not love your job, but you are still getting paid. Think of all the things and experiences having a paycheck allows you to do.

For instance, you wake up in a comfortable bed, and you have hot water to shower with. Shift your perspective and remember that you’re not going to work for the company. You’re doing it for you because getting a paycheck means your bills are paid.

Furthermore, if you don’t like your job, then it’s only temporary. There’s something better out there for you. Until then, be grateful for the little things and celebrate the smallest wins. Try a 30 days of gratitude challenge to jump-start a new way of thinking!

3. Find a way to help others

Sometimes the best way to make yourself better is to help others.

Instead of being wrapped up in your head, notice others. A smile, a thank you, a simple gesture of opening a door for someone goes a long way.

Little acts of kindness also improve your own support networks. When you show up for others in times of need, they show up for you too! Find nice things to do for people to improve your life and theirs.

4. Level up your skill set to bring in new opportunities

One of the reasons you may not want to work is because you’re constantly doing the wrong thing or failing at your tasks. To tackle this, look into improving your money making skills or picking up new ones.

Ask your supervisor or co-workers for pointers on how to do your job efficiently. You can also read books or attend trainings. 

This also gives your brain something to do other than focusing on how bad things are. You can become more productive and love your job again in the process. 

5. Re-visit your expectations for what a job can give you

You might be saying, “I don’t want to work” because you’ve put too much emphasis on what the job can give you. 

Maybe you’ve been passed over for a promotion, so you’re questioning your value. Maybe you’ve had expectations about achieving certain milestones that didn’t happen. 

To get out of the funk, look back and remember why you’re doing this job.

Why are you in this field? Why did you say yes to working in this company? Knowing why you are working there may help you move forward in a more positive way.

6. Take more breaks at work

You need breaks to be productive. According to Nivati, breaks can not only lessen stress but also help you be more creative and focused.

There are lots of relaxing ways to spend your breaks that will benefit you, as well. Try going for a short walk or eating your lunch outdoors to recharge. Or read a page of a book, stretch, or meditate.

7. Fully embrace your life outside of the office

One of the ways to love your job again is to make sure you have a full life outside of the office. Chasing promotions and approval at work may not change how you feel about your job.

Set aside time to visit with friends and take part in family activities – nurture your relationships. You can also look into volunteering for causes that you care about.

If you enjoy solitude, make sure you’re giving yourself time to be alone and recharge as well. Try a self care Sunday, reading a new book, or a relaxing walk.

8. Build in time for mindfulness before starting your workday

You’re probably saying, “I don’t want to work” because your job takes up all of your time. Hence, you’re exhausted and resentful.

Before you rush to start the day, take a few minutes to yourself. 

Even real simple things can help counter the resentment you feel towards your job and prepare you mentally for the day ahead.

For instance, jot down a few things you’re grateful for or do a short guided meditation

9. Make an exit plan and start saving

Are you tired of saying, “I don’t want to work”? If the answer is yes and you’ve discovered the reason for leaving a job, be it burnout, a toxic work culture, or wanting to try something new, then it’s time to make an exit plan. 

First, update your resume or gather your portfolio. Then, start applying for jobs. This is also a good time to ask your network to hand out your resume or to introduce you to hiring managers. 

If you’re keen to resign right away, you can also register at temp agencies, so you have money coming in while job hunting.

It’s also a great idea to put money away so you have peace of mind that your bills are paid during the transition. Cut out unnecessary spending to save as much as you can.

10. Work on a side hustle

On the other hand, your exit strategy from your job could be starting a side hustle. Consider your passions or interests for business ideas. 

For instance, you can make extra income by taking photos or making and selling jewelry. You can be your own boss and build it up to replace your current income.

Some professions, like graphic design, copywriting, and marketing, have a huge market for freelancers. So, that’s another avenue you can explore. 

11. Don’t talk about work at home

If you’re experiencing stress at work, it’s difficult not to take it home. You might even take your stress out on your family by complaining about work at home or feeling constantly anxious.

But you’d rather enjoy time with your family. So, start setting healthy boundaries with yourself not to talk about work at home. Or give yourself an allotted time to vent, then move on.  

12. Take up a hobby

You’ve been saying you don’t want to work, so go do something you like. Put on headphones and listen to your favorite music, and not as background noise. Or listen to a podcast or an audiobook to de-stress.

Hobbies are not only fun, but they also help with your creativity, such as these great indoor hobbies.

You don’t have to spend money either. Whatever it is you’re interested in, there are free resources everywhere, like your local library, YouTube, etc.

13. Set new goals

You could be burnt out because you’ve been trying to accomplish goals that are just too much for you right now. Maybe the opposite is true too. You’re aiming too low, and it’s not challenging anymore. 

Why not start over with your goals? Be clear on what you want to accomplish in your job. Then, focus on what you can control and set a professional goal or two within those limits.  

14. Ask for help

You may not be used to asking for help, but being stressed and overwhelmed is not good for you. When “I don’t want to work” has become a constant thought, get support from those who can help.

Venting to family and friends may help, but it doesn’t really solve the issue. Communicate the problem to your superiors with some suggestions on how they can help you. You can also lighten your workload by delegating reasonable tasks to those who work under you.  

Expert tip: Start saving money as you assess your job

As an exercise, save $5 for every complaint you make about your job. Then, analyze the “why” behind each annoyance. Once you find the reasons why you don’t want to show up to work, you’ll know what changes to make.

For instance, maybe you’re annoyed that your commute to the office is too long and stressful. Is there a way for you to work from home for a few days a week? If not, would you consider looking for another job closer to home or maybe a remote position working from home?

When you start acknowledging how you feel, you’ll end up with some extra cash and some answers about your job, also.

Got “I don’t want to work” feels? Alternative careers to consider

Want to stop saying, “I don’t want to work,” and start loving what you do again? Check out these alternative careers that don’t require you to be at the office from 9-5.

Freelancer (anything and everything)

Take back the pep in your step by learning how to start freelancing with no experience. With 73.3 million freelancers in the U.S., according to Demand Sage, you’ll find one in almost every industry. Freelancers are independent contractors, and they get paid on a per-job or per-task basis.

Some in-demand skills include graphic design, web development, social media marketing, and customer support. Gig workers for Uber, Instacart, and the like are also considered freelancers.

As a freelancer, you’re not an employee, so you don’t get benefits such as health insurance or retirement plans. But you enjoy a flexible work schedule.

In addition, your income depends on how much work you take on.

Virtual assistant

Learning how to become a virtual assistant with no experience could be your way of ditching the I don’t want to work feeling. Virtual assistants generally take care of administrative tasks such as answering emails, booking meetings, social media management, data entry, and more. 

The great thing about becoming a virtual assistant is that you can get started with skills you already have. The pay depends on your skill level and whether you work for yourself or for a company. Typically it’s anywhere from $15 to $60 an hour.

If you want to dip your toes into this role, here are a few companies that hire virtual assistants:

Personal trainer

Do you love fitness and encouraging others to do the same? You could become a personal trainer and help people get more active. 

You’ll assist clients in achieving their goals, whether that’s weight loss, resistance training, or overall health care.

You might need certifications for this job also. You can take on clients on your own or work for a gym. Personal trainers make upwards of $43,000 per year on average.

You could also create workout videos on YouTube and get paid through ads and affiliate marketing. However, you’d have to make videos consistently and grow your followers.

Photographer

There are many ways you can make money as a photographer. You can sell stock photos, offer services to events, sell photo prints online, and more. Photographers make around $46,000 per year on average.

Wedding photography is lucrative, but it’s also very competitive. But you can start out offering your services for other events like birthdays, graduation, proms, etc. You can set your own rates and hours and still make good money.

You’d have to buy your own equipment plus software for editing. Depending on the services you want to offer, you might need a few props and backgrounds as well. Make sure to create a portfolio that showcases what you can do. 

Cosmetology

If you love makeup, skincare, hair styling, manicures, and pedicures, then cosmetology is right up your alley. You can help people look good and feel better about themselves while getting paid. You can definitely get rid of the “I don’t want to work” thoughts in this role!

Choose a specialty. For instance, you could offer makeup and hairstyling for special occasions and events. Or provide manicure and pedicure services. 

You can also get additional training to be able to become an eyelash specialist. Likewise, you can do facials and other skincare treatments. 

You can work for a salon or take on your own clients. Cosmetologists make around $52,000 a year.

Truck driver

Are you tired of being around people? Kick that “I don’t want to work at all” feeling to the curb and get in the truck. Literally! 

This role is a good option for those who like working by themselves. But first, you need a commercial driver’s license (CDL) to become a long-haul truck driver.

The pay is around $97,000 a year. Not bad! Your main duties would likely be planning routes to get to destinations on time, loading and unloading cargo, and driving long distances.

Real estate agent

If you’re a people person and have an interest in real estate properties and buyers markets vs sellers markets, you might enjoy being a real estate agent. 

You’ll be helping people sell or buy properties. Your primary responsibilities would be listing and showing properties. Real estate agents also negotiate on behalf of their clients.

You’ll need to take state-accredited courses and pass the exam so you can get your real estate license.

However, you can make about $95,000 per year with this job.

Flight attendant

If you love traveling, maybe it could be your ticket to getting rid of the “I don’t want to work” feeling. As a flight attendant, you can see the world and love what you do at the same time.

Flight attendants guide and assist passengers during air travel. The job may seem glamorous and easy, but the training is rigorous. So they’re prepared in case of emergencies.

You’ll need to be certified by the Federal Aviation Administration (FAA) to work as one. Flight attendants make a yearly income ranging from $70,000 to $100,000.

Firefighter

Want to leave your 9-5 for something different? Becoming a firefighter fits the bill! Not to mention, firefighters are essential members of the community. 

The scope of their duties is wide. They fight fires, respond to medical emergencies, assist in search and rescue efforts, help out with traffic incidents, and more.

Most fire departments set their own hiring qualifications and training requirements. So, if you’re interested, visit a fire department and ask about their criteria. In this role, expect a yearly salary of around $50,000

Coach

Do you have an expertise you want to share or maybe a talent for motivating people? Starting a coaching business might suit you. You can help others overcome their challenges and achieve their goals.

You can choose a specialty and focus your mentorship on relationships, business, career, or wellness. Some of the responsibilities of a coach include setting goals with clients, building strategies to achieve the goals, and holding clients accountable. 

Blogger

Blogging isn’t something that will make you money right away. It takes time and dedication to learn how to become a blogger. But with focus and consistency, you’ll reap the benefits. 

Before setting up your blog, decide on what type of blog you want to start. Determine your topic and who your ideal audience is. 

Put out quality content, and you’re sure to grow your audience. Once you’re able to monetize your blog, you can earn from advertising revenue, affiliate marketing, product reviews, or creating your own products.

What can I do if I don’t want to work?

If you’re feeling like you don’t want to work, take some time off to rest your body and your mind if you can. It won’t serve you to run yourself to the ground. 

While it may not be possible to take a week off from work, you can at least try to carve out a few hours, or a weekend, to yourself to think things through.

When you’re calm and relaxed, take a moment to understand why you didn’t want to work.

Ask yourself these questions: What aspects of your job do you like? What’s not working for you? What can you do differently to love your job again?

The answers to these questions can help enlighten you as to what changes you need to make.

Is it normal to not want to work ever?

It’s not normal to not want to work ever because humans like being productive, though everyone has a day now and then when they don’t feel like working. You probably feel this way because you have to keep doing things you don’t like, or you feel burned out.

Either you don’t enjoy your job, or it’s not challenging enough for you. You might not know right away, but find out what brings you joy. Do more of that, and you might find that you actually want to work and can start enjoying the life you have.

How can I make money if I don’t want to work?

Nowadays, there are many ways to learn how to make money without a job if you don’t want to work, including passive income and side hustles. But it’s important to not quit your job with no plan.

First, build an emergency fund, and start planning your finances to take a break from work. Then, take time off to explore the possibilities. You can start with some of the options in the list above. 

Should I work if I don’t need the money?

It’s up to you if you don’t want to work because you don’t need the money. But my guess is you want to be doing something with your time, even if the income isn’t that important for you.

How about getting paid for something you love to do anyway, like photography, candle making, etc.? You can put any income you make into savings or invest the money to get started with wealth accumulation

If you related to this article about not wanting to work anymore, read these posts next!

It’s okay to say, “I don’t want to work anymore”

It’s okay not to love every aspect of your job, but you shouldn’t dread going to work every day. It doesn’t serve you, your job, and your family if you’re stressed and exhausted.

Identify the reasons why you feel that way about your job. And believe that you can do things differently, whether you start unique side hustles or find other productive things to do.

There is always another option for you other than staying in a job you don’t like. Cheering you on!

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15 Ideas For What To Sell On Etsy https://www.clevergirlfinance.com/what-to-sell-on-etsy/ https://www.clevergirlfinance.com/what-to-sell-on-etsy/#respond Fri, 08 Sep 2023 19:18:34 +0000 https://www.clevergirlfinance.com/?p=57703 […]

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Are you a creative person who wants to start a side hustle or even a full-time business? Are you looking for ideas about what to sell on Etsy? Keep reading to discover popular products that sell and start making extra money!

What to sell on etsy

How to be successful selling on Etsy

When considering how to make money on Etsy, whether you’re selling online or in a brick-and-mortar storefront, a good rule of thumb is to give customers what they want. You don’t have to reinvent the wheel. Hence, reading this article is a good first step, to see what products are already popular.

You can make money on Etsy as one of the easy side hustles selling products you’ve designed and handcrafted or reselling vintage items and craft supplies. On the account that, those are the only items that you’re allowed to sell on the platform. 

Below are some tips to help you succeed in your venture!

Read the rules on what to sell on Etsy

Make sure you read and understand the rules and regulations of the Etsy platform. It’s your responsibility to ensure that your shop and products follow the rules.

For instance, you can’t resell handmade items. If you list an item as handmade, you should have a hand in designing or creating it.

Another example is that vintage items must be at least 20 years old. 

Choose the right products

One of the biggest hurdles of starting an Etsy business is deciding what products to sell. Start with market research – what are customers buying? Can you improve on it?

Keep in mind that providing excellent customer service counts as an improvement too. Also, remember that your first product may not be a hit. Unfortunately, you may have to undergo trial and error before landing on a product that appeals to your market. 

Make your product photos stand out

Etsy wants you to use your own photos when listing items. You can’t use commercial or stock images. This is to ensure that the condition and quality of the items are accurate.

That said, you also shouldn’t post your products with poor quality photos.

According to Etsy’s customer research, customers decide whether to buy an item based on the pictures.

So, learn to take great product photos and make your listings stand out. There are plenty of tutorials on how to take pictures of products on the internet if you need some tips and tricks. 

Provide excellent customer service

Who doesn’t appreciate great customer service? Because you may have the same products, but if you communicate promptly and take care of your customers, they’ll stick with you.

What to sell on Etsy: 15 Great Ideas

Etsy is a global marketplace where many shop owners have found success. The website had 92 million active buyers in 2022, according to Statista. There’s no doubt that it’s a good platform to sell your own products. 

So, here are popular items that are consistently a hit with buyers. 

1. Craft supplies and tools

The craft supplies and tools category on Etsy lists a wide variety of products. The most popular items are beads, ribbons, yarns, and the like. 

As a seller, you have a huge built-in market because your customers are other Etsy sellers. On top of that, the products appeal to everyone who likes to make crafts as a hobby. 

The best part is you don’t have to create money making crafts or products. So you can get started right away.

For more inspiration on what to sell on Etsy and how to set up a shop, check out Beadboat1 and PeggySueAlso. Both shops sell craft supplies with tons of sales and rave reviews. 

2. Craft kits

Additionally, craft kits for kids and hobbyists sell well on Etsy. It would involve more work though because you have to put the kit together. 

But you can start with small kits that are easy to make, pack, and ship. InkandTrinketKids has really cute examples of craft kits in their shop. 

3. Printables

You can also make money on Etsy selling printables, which are downloadable designs that customers can buy and print at home. The category includes gift tags, greeting cards, coloring pages, and artwork. 

Many printables are sold as is. But many others, like invitations and business cards, are editable to allow the customers to personalize them. 

And that’s the reason why selling printables is lucrative on Etsy. It’s more economical for customers to buy a design, personalize it, and print it on their own than buy a ready-made product. 

Plus, sellers don’t have to worry about product storage and shipping.

For some examples of how to make money selling printables, look into BoHoMePrintables.

4. Digital products

Digital products are often used interchangeably with printables. Sometimes an item can be classified as both.

But most of the time, digital products refer to ebooks, wallpapers, Lightroom presets, WordPress themes, logos, fonts, spreadsheets, or social media templates.

You can take this idea in many directions.

For instance, if you have any expertise or story to share, you can write an ebook.

In addition, if you have the skills, you can create business logos and marketing materials for small business owners. Check out shops like KatherineDream, BeckMcCormick, and ShopRShop for inspiration. 

5. Jewelry

Jewelry is a competitive category on Etsy, but it’s also one of the bestselling products. That’s because shoppers know they can find unique pieces on the platform, such as handmade jewelry. 

In fact, top seller CaitlynMinimalist sells jewelry. But don’t get intimidated. There’s room for you too. 

But to attract customers, your products must be high quality and on-trend.

You also need to keep working on building a strong brand.

For example, Caitlyn Minimalist’s shop name also describes her products, which are dainty personalized jewelry. 

In addition, jewelry is a great item to sell because it’s not bulky. You won’t need a ton of storage space, and it costs less to ship. 

6. Accessories

Accessories offer customers a fun way to try a new trend or express themselves. They’re also looking for one-of-a-kind items. That’s why accessories are one of Etsy’s bestsellers.

The category covers items like purses, belts, scarves, adorable baby bows, and many more. It offers a wide assortment of products to choose from. So, you’re sure to find one that customers would love.

Check out Ilovelotus, and CaSales for ideas on how to make money on Etsy selling accessories.

7. Vintage items

Etsy’s reputation as one of the best online places to find vintage items is an advantage for sellers. Aside from having a global market, the platform offers lower overhead costs compared to renting a booth in malls. 

Etsy defines vintage as items that are more than 20 years old. As you can imagine, shops on the platform sell everything from vintage clothing to jewelry to antique lamps.

There are so many ways to curate your Etsy antique shop. You may decide to sell items from a particular era.

You may want to only sell similar items, such as jewelry, posters, or fabric. Have a look at mucdesign for examples of how to set up your vintage shop.

8. Home decor

Are you all about loving your home? Home decor sells well on Etsy, whether it’s vintage or handmade. This is because the platform established itself as an online destination for customers looking for unique pieces for their homes. 

In addition, many Etsy sellers offer personalization services or take custom orders. You’ll find an assortment of listings, from vintage vases and custom blankets to initialed towels. 

To become a successful home decor shop owner, create products that offer something different or provide a solution to a common household problem. And you can always make your mark by providing excellent customer service.

Take a look at JillianReneDecor and AllEyesOnLumpy for ideas and see what you can do differently.

9. Journals, planners, and stationaries

Etsy Journals

Journals, planners, and stationeries are also some of the most popular products sold on Etsy. Planners are helpful for everyone – parents, professionals, and students – who could use an organizational system to get stuff done.

Meanwhile, journals and stationeries give people a way to express themselves.

With these products, it’s your choice if you want to sell printables or physical items. However you’d have to consider printing, storage, and shipping for physical products. 

For examples of what to sell on Etsy, review how PlannerKate1, GoodyPlanners, and HeilsaDiySupply set up their shops and what products they offer.

10. Personalized items

Etsy has become synonymous with personalized items for a good reason. You can get almost anything customized on Etsy. That’s what most people are looking for when they visit the platform.

Customers want pieces that mean something to them and their loved ones. Even if it’s as simple as engraving a name or adding a few heartwarming or funny lines. 

Have a look at VereGift, LightningDesignStore, and wunderwunsch for ideas and inspiration. As a seller, you’d also be happy to know that, according to Forbes, consumers are extremely interested in buying personalized products. So, you can charge more and still attract buyers.

11. Party supplies and decorations

The next best idea on our list of what to sell on Etsy is party supplies and decorations. Whether it’s a kid’s birthday, a wedding anniversary, or a corporate event, well-thought-out invitations, decors, and favors add to the success of the party.

Customers are also done with basic and overdone event themes and decorations. That’s why party supplies and decorations are bestsellers on the platform.

So, if you’re wondering how to make money selling party supplies, let your imagination run wild and create new party theme ideas. You can make handmade invitations, party favors, banners, centerpieces, balloons, gift tags, and so on.

You can also put together party decoration sets for customers who prefer to buy everything in a single purchase. Check out Jacqs Crafty Corner and TwistStationery to see what they’re doing right.

12. Wedding products

The wedding industry in the United States is worth $70.3 billion in revenue as of 2023, says Zippia.

All to say that wedding products are lucrative and popular on Etsy. Couples are looking for one-of-a-kind items to celebrate their big day.

In addition, many are going with DIY products to stay on track with their wedding budget breakdown.

Wedding shops offer a variety of accessories like creative invitations, place settings, personalized gifts, and more. VineWedding is a top seller in this category. Take a look at their listings and learn what items are popular. 

13. Pet items

For many people, pets are family who deserve the best. That’s why customized crates, quality pet beds, and personalized name tags and collars sell well on Etsy.

Pet care products such as bowls, leashes, and grooming kits are popular items as well. Maybe TheSingingKoala can help you generate new product ideas.

14. Clothing

Of course, this list won’t be complete without the clothing category. Custom-made, personalized, and vintage clothing are among the top sellers on Etsy. 

That’s because customers are always looking for items that fit their style. So, pick a niche and join the party. See PintSizedPremium and KennedyClaireCouture for ideas and inspiration.

It’s best to focus on one product at first, such as onesies, custom-made skirts, handmade tee shirts, or vintage shirts, then expand your offerings. You can help people be fashionable on a budget and find their style!

15. Organic and sustainable products

More and more people are taking steps to live sustainably.

In fact, according to Shopkick by Trax, half of consumers try to buy recyclable alternatives and consider the sustainability practices of brands they support.

The good thing is there’s more demand for zero-waste products. If you have an idea for a reusable item or organic product, join the Etsy sellers in responding to the demand.

Check out TheEverydayGreen, StacyKitchenDecor, and CambridgeandCarlino for product examples. 

Expert tip: Manage your Etsy business the right way

To become a successful Etsy seller, start with thoughtful and creative products. Offer something new or solve a common problem, and you could grow a full-time business. 

Aside from that, pay attention to your branding. Your shop name, the photos, and the words you use should be cohesive and in line with how you want your brand to be known.

Lastly, an extra step to add a personal touch like a simple thank you note goes a long way. 

What is the #1 thing to sell on Etsy?

The #1 things to sell on Etsy are personalized items for both humans and pets, gifts, crafts, etc.

Inexpensive thank you gift ideas or customized products for all types of events such as weddings, bridal showers, birth announcements, and more, are also in demand.     

What can I sell on Etsy if I’m a beginner just starting out?

What to sell on Etsy if you are a beginner just starting out depends on your creative and sourcing abilities. While no item or category would guarantee profit or success, it is a good idea to choose something you have an interest in selling.

If you’re a bargain hunter and good at finding vintage items, reselling is a great way to get started. Find the best items to resell for profit that are considered vintage. 

Otherwise, any handmade item you can come up with is worth a shot on Etsy. That’s the beauty of the platform. Just make sure to do your research to learn what customers are looking for. 

What is most commonly sold on Etsy?

When considering what is most commonly sold on Etsy, it’s important to know that Etsy only allows handmade products, vintage items, and craft supplies to be sold on the platform.

If you’re thinking about what to sell on Etsy, your products should fall into one of those three categories.   

What can I sell on Etsy for passive income?

What you can sell on Etsy for passive income is quite varied. When you’re looking for the best passive income ideas from Etsy, think about products that you can make once and sell forever.

There are so many great choices, including ebooks, stock photos, craft patterns, fonts, and printables. Printables can be anything like worksheets, templates, stickers, coloring pages, and many more. 

If you liked reading about what to sell on Etsy, check out these other business ideas!

Learn how to make money on Etsy if you’re looking for a side hustle!

The first step in learning to make money on Etsy is to research popular products. Next is to create high-quality, original, and visually appealing products.

Then, the other key to Etsy success is to build a connection with your customers. Show your face and share more about yourself. Your customers will appreciate it.

Good luck with your venture. Don’t forget to come back and learn about financial wellness and how to save money as well!

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14 Easy And Healthy Frozen Meals https://www.clevergirlfinance.com/healthy-frozen-meals/ https://www.clevergirlfinance.com/healthy-frozen-meals/#respond Mon, 28 Aug 2023 12:54:09 +0000 https://www.clevergirlfinance.com/?p=57159 […]

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When it comes to food, frozen sometimes gets a bad rap. But healthy frozen meals are not only achievable, they’re easy to make! In fact, they provide a convenient and affordable way for families to have a better diet quality. 

Healthy frozen meals

Don’t worry, you don’t have to compromise taste. There are so many choices for simple freezer meals, you’ll have many opportunities to find something you like. Let’s get to it. 

14 Healthy frozen meals to try

In this list, we’ll give you some easy recipes to try because making your own food is still the best way to meet your dietary needs and taste preferences, whether you intend to freeze them or not. But since we recognize that not everyone has the skill, or maybe you even think, “I hate cooking!” we have some ready-to-heat options as well.

1. Freezer bag chicken fajita stir-fry

Get the chicken fajita stir-fry recipe courtesy of the Food Network Kitchen. It’s easy to prepare. You may also add other ingredients, like chili flakes or mushrooms, according to your taste. 

It makes for an easy weeknight meal as well. To have enough for easy freezer meals, simply double the recipe. Freeze the leftovers, and voila, you’ve made dinner for two nights.

2. Stamp-of-approval spaghetti sauce

This spaghetti sauce recipe from Taste of Home is easy to make and has received lots of praise for its flavor. It’s truly one of those classic freezer meals. This recipe can be frozen for up to three months. But surely you’d have eaten it by then. 

As always, add ingredients as you like and tweak the recipe to your taste. You can also try swapping the ground beef with other proteins, such as ground turkey. Serve it with spaghetti, as a sauce for lasagna, or eat it with salad.

3. Freezer bag chicken primavera

With little prep time, this chicken primavera recipe from the Food Network kitchen gives you a flavorful chicken and vegetable meal. It’s another easy freeze recipe you can try out without spending a ton of time cooking.

Simply follow the directions for prep, freezing, and thawing. Although it calls to pair it with a baguette, you can also serve it with pasta or rice. 

4. Golden butternut squash and chickpea curry

If you’re looking for a sweet and savory flavor, try this butternut squash and chickpea curry from the Full Helping. It’s one of the best healthy frozen meals that is easy to make ahead.

The instructions say it can be frozen for up to six weeks. The recipe also offers many ideas to play with the ingredients. So you can substitute, swap, or add in different vegetables. Go try it, it’s one of the best frugal meals.

5. Easy homemade lasagna

Try this freezable and easy-to-make homemade lasagna for the ultimate comfort food anytime you want it. A combination of pasta, cheese, bubbly tomato sauce, what else can you ask for?

You’ll love this recipe from the Happy Money Saver. Visit her website for the step-by-step process with photos.

6. Freezer meatballs recipe

Meatballs are always a favorite with kids and adults alike. You can eat them on a sandwich, serve them with pasta sauce, or just by themselves.

For an alternative to store-bought, try this easy freezer meatballs recipe from The Forked Spoon. It’s another delicious recipe and you can make the meatballs and freeze them raw until you’re ready to eat them. Or cook them first and then freeze them. 

7. Darn good chili recipe

I’m always looking for a good chili recipe, so I’m excited for this one from Tasty. More so because I can just toss all the ingredients in the crock pot. Who doesn’t love crock pot cooking with only 15 minutes of prep time! 

Like all the recipes mentioned in this article, you can freeze this recipe either cooked or raw. Mix all raw ingredients in a freezer-safe bag. Freeze. Then, thaw and cook the meal in a crock pot. Make sure to label the bag with the appropriate cooking time. 

8. Life-changing Instant Pot beef stew

Do you like having a comforting and hearty stew on chilly fall and winter days? Then, you’ll love this beef stew recipe from Pinch of Yum.

Plus, you can make the stew in an Instant Pot or slow cooker. It doesn’t get any better than that. 

You could freeze this stew before or after it cooks. Follow the instructions for the freezer meal version. If you’re freezing leftovers, store them in a freezer-safe container or bag, and it should keep for up to six months. 

9. Creamy homemade chicken noodle soup

Soups are versatile meals you can have as a snack, lunch, or light dinner. You can also pair it with a sandwich or a salad for a hearty meal. With this homemade chicken noodle soup recipe courtesy of Tastes Better From Scratch, you can have tasty and filling healthy frozen meals in a pinch. 

Make sure to use full-fat ingredients if you’re making the recipe to freeze so your soup retains its consistency. You can leave the noodles out or cook them a little firmer.

When stored in an airtight container, the meal should keep for up to six months.

10. Amy’s Kitchen Pad Thai

Pad Thai is one of those meals that are easy to make but, at the same time, easy to mess up. Boil the noodles too long, and you’ll end up with a mushy pad thai. You have to be careful not to overcook the veggies as well. 

That’s why Amy’s Kitchen Pad Thai is a great alternative when you have a craving for the dish but don’t have the time to cook. Amy’s Kitchen offers over 250 vegetarian-friendly frozen meals, many of which are gluten-free and made from organic ingredients.

11. Tortilla crusted fish

If you love a good seafood dish but don’t have the kitchen skills to attempt making frozen meals using fish, try the Tortilla Crusted Fish by Lean Cuisine.

The package contains tortilla-crusted Alaskan Pollock with a mix of corn, poblano peppers, and rice in sour cream sauce. The product has received many great reviews, and it’s an easy, affordable way to add fish to your diet. 

12. Chicken tikka masala with basmati rice

Saffron Road is a company known for making tasty and healthy frozen meals free of GMOs, artificial ingredients, and hormones. Many of their frozen products are also vegan, vegetarian, and certified halal.

So the next time you’re out frugal grocery shopping, pick up a Chicken Tikka Masala With Basmati Rice and try it for yourself.

13. Korean-inspired beef

Healthy Choice is one of the most affordable brands producing healthy frozen meals. Even though prices can vary depending on where you live, most of their items cost between $3 to $5 per serving. 

The company also specializes in making frozen products that are free of artificial ingredients. One of their best-reviewed items is this spicy treat, the Korean-Inspired Beef bowl

14. Lightly breaded chicken breast chunks

Breaded chicken breast chunks

Having kids in your house means having chicken nuggets in your freezer. Because no matter what healthy, elaborate meals you put in front of your kids, they’ll ask for chicken nuggets at least one night a week.

Anyway, serve them the Just Bare Lightly Breaded Chicken Nuggets with a side of carrots, celery, or steamed broccoli and call it a day. You can get this brand from Costco, and they’re known for making frozen products with no preservatives and no artificial ingredients. 

Expert tip: Start small when making frozen meals

In your first attempt to make frozen healthy meals, start small. Your first try could be doubling your family’s favorite pasta sauce or soup recipe for dinner and freezing half for another night. 

Learn what works best for your family lifestyle and taste preferences. Maybe you like having pasta meals once a week, so you’ll know to always have sauces in the freezer.

Once you get the hang of putting together easy freezer meals, you may work up to batch cooking several recipes in one afternoon.

Benefits of buying or making easy freezer meals

There are many benefits to making healthy frozen meals at home, including easier prep time for busy days and a longer shelf life by putting food in the freezer.

It’s also an easy and affordable way to include items from every food group in your cooking. Frozen meals are a great alternative to fast food for busy families and new moms.

Additionally, frozen food also helps reduce waste and helps you if you’re trying out a money saving challenge. If you’re throwing out uneaten fruits and vegetables regularly, consider buying frozen fruits and vegetables.

At times, they have more vitamins and minerals because freezing preserves nutrients, and they’re picked and frozen within hours to lock in all the nutrients and flavor. 

How to make healthy frozen meals at home

Below are some tips on making and preparing simple freezer meals for those busy days when you don’t have the time or the energy to cook. 

Include healthy frozen meals in your meal plan

It’s easier to make frozen healthy meals at home if they’re already part of your budget meal planning. This way, you can get your grocery shopping on a budget done in one go. Meal planning also allows you to schedule batch cooking or meal prepping. 

Following a meal plan also makes it easier for you to make your favorite healthy frozen meals. Simply double or triple the recipe, eat a portion for dinner that day and store the rest.

Lastly, check your freezer before you create a monthly meal planner to make sure you eat what you have. The Food and Drug Administration says food is safe to keep indefinitely at 0℉, but quality decreases the longer it’s in the freezer.

Pick the right recipe

Unfortunately, some recipes can’t withstand freezing and defrosting and retain their flavor.

For instance, pastries or creamy sauces don’t make easy freezer meals. 

So, try lasagna, hearty soups, stews, casseroles, chilis, sauces, and burgers instead. Cookies, muffins, and slices of bread can be easily frozen as well. The recipes don’t have to be complicated either, choose ones with little prep time. 

Store frozen healthy meals using the right supplies

When making freezer meals at home, it’s important that you have the right supplies to store them. Otherwise, it would be a waste if the food gets freezer burnt and doesn’t retain its flavor and nutrients. 

For this, you’ll need heavy-duty aluminum foil, thick freezer bags, and foil baking pans. You can also look for freezer-safe metal or glass baking pans and reusable freezer bags if you’re interested in how to live sustainably and want to create less waste. 

In addition, get masking tape and a marker or pen to label your jars and freezer bags. Don’t rely on your memory, it could and will fail you. Write the name of the dish, the date of preparation, and any reheating instructions if needed.

Schedule meal prepping

Meal prepping means organizing your food to make it easier for you to have food at home, readily available. It could involve chopping vegetables, batch cooking, or putting together simple freezer meals.

Scheduling meal prepping on a Saturday or Sunday afternoon can save you time on busy weeknights. Not to mention that it helps you save money on your grocery bill.

With a little bit of time, planning, and preparing your menu for the week, you minimize waste and eat healthier too. Make meal prepping part of your daily routine schedule!

Make sure you have all the ingredients

Whether you’re batch cooking or putting together raw ingredients for healthy frozen meals, make sure you have everything you need before you start. You also don’t want to freeze recipes with missing ingredients.

It won’t really help you in the future to be running to the grocery store in order to make your freezer meal. That’s why it’s best to create a meal plan before you go grocery shopping.

What to look for when buying ready-made frozen healthy meals

Not all frozen foods are created equal, but there are a lot of healthy options available now. So, here are some guidelines you can use when shopping in the frozen food aisle.

Choose nutritious packaged meals

When buying frozen meals, check the nutrition facts labels. Preferably, look for healthy frozen meals that have adequate nutritional value.

Choose meals with lower saturated fat and higher fiber, vitamin, and mineral content. Avoid those that have added sugars, sauces, and salt. 

Remember to consider the serving size as well. If the entire package is equal to two servings, it means you’re actually eating double the salt, sugar, and saturated fats listed.

Go with less sodium

Sodium generally adds flavor and improves the texture of our foods. It’s also used as a preservative. That’s why it’s present in packaged and prepared foods like canned soups and frozen meals. 

But most people can benefit from less sodium in their diets. The American Heart Association states reducing sodium intake by just 1,000 mg per day can significantly improve blood pressure and heart health. Hence, it’s best to choose products with the lowest amount of sodium you can find.

Check the ingredients list

Most of us have jam-packed schedules that don’t leave much time for cooking. But we also want the cheapest meals that are also healthy. The good news is there are many food companies stepping up to the plate. 

Many are coming up with frozen healthy meals with fresh ingredients and less sodium. So, make sure to compare the Nutrition Facts label and check the ingredients list of the products you buy.

What are the healthiest frozen dinners to eat?

The healthiest frozen dinners to eat are the ones you make at home. When you make your own food, you have complete control over what goes into it.

You can use fresh ingredients and put less sugar or salt than what the recipe calls for. You can also add more veggies or even substitute rice and pasta with whole wheat options.

However, as mentioned there are frozen meal products prepared with organic ingredients and less sodium. You can also find meals specifically for people with diabetes or additional dietary needs, like vegan or gluten-free. 

So, you can still find healthy alternatives to cooking at home. Just make sure you read the ingredients list and understand the nutrition label.

Is there such a thing as healthy frozen food?

Yes, fortunately, there is such a thing as healthy frozen food, as many food companies are responding to consumer preferences. You can find frozen products at the grocery store made with organic ingredients and less saturated fats and sodium. 

Not to mention, you can ensure you’re living a healthy lifestyle with what you eat by making your own at home with the ingredients that you choose.

What foods are easiest to freeze?

The foods that are easiest to freeze include meats, seafood, fruits, and vegetables, which can all be kept in the freezer for long periods. You can also freeze cooked rice, corn, quinoa, and beans.

Additionally, you can preserve fresh herbs by putting them in ice cube trays with some water. Once frozen, store the herbs in a freezer-safe bag, and they’ll be good to use for a year. 

If you liked reading about healthy frozen meal ideas, check out these articles next!

Simplify your dinners with healthy frozen meals!

Deciding what to make for dinner every day can be tiresome, let alone making meals after a full day of work and wrangling kids.

But a little bit of meal planning and prepping means you can still eat affordably and healthily even when you don’t have the time and energy to cook. Start living consciously and saving more, and improve your dinner options with easy freezer meals! 

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26 Ideas For How To Make $300 Fast! https://www.clevergirlfinance.com/how-to-make-300-fast/ https://www.clevergirlfinance.com/how-to-make-300-fast/#comments Mon, 17 Jul 2023 01:57:15 +0000 https://www.clevergirlfinance.com/?p=55373 […]

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Sometimes, life happens, and you need ideas for how to make $300 fast. You’re not alone, we’ve all been in a pinch before. We’re also here to tell you there are ways to make the amount of money you need now. So, let’s dive in!

How to make 300 dollars fast

What can $300 buy?

More than half of Americans cannot cover an unexpected $1,000 bill. This means people struggle when cars break, appliances stop working, or someone gets sick.

In addition, the record-high inflation and rising cost of necessities aren’t helping matters.

So, a lot of people are in situations where they need to brush up on their money making skills fast.

During a time like this, I personally think $300 can come in handy. For example, I’ve found that amount can be just enough to pay a bill or an insurance co-pay, buy groceries, or fix a minor home issue.

How to make 300 dollars fast

The best way for how to get money fast is to either sell something or earn it. So, here are our best ways for how to get $300 fast.

Find the best task you can do using high-income skills, and figure out how much you can get paid for it. Then, estimate how many times you need to do the task to earn $300.

1. Ask or volunteer to work overtime

It may seem obvious, but we’ll add it to this “how to make $300 fast” list anyway. If your job offers the opportunity for working overtime or picking up extra shifts, then you’re in a great position to make extra money quickly.

The good thing about volunteering for overtime is you probably won’t incur additional costs. Because you’d already be at work, you just need to extend your hours. Also, you won’t need training for a job you already do.

2. Sell handmade or household items

Honestly, we’re all living with too much stuff, myself included. So, if I want to know how to get $300 fast, I figure I should sell things I’m not using. To get started, I can look around my house, room by room, to see what household items to sell for quick cash.

People are always looking for deals on basic items like books, furniture, electronics, jewelry, or clothing.

In addition, unique vintage items can fetch good money too.

Once you’ve decided on items you want to sell, make sure they’re clean and presentable. Take quality pictures to sell them online.

You can post items on Facebook Marketplace or clothing for sale on Poshmark. Amazon is also a good place to sell items. Or you can simply set up a garage sale outside your home, and people can purchase items that way.

On the other hand, you can sell handmade items if you like creating money making crafts. You can sell anything from crocheted blankets to paintings, house decor, cards, and jewelry on the website Etsy or also eBay.

3. Drive for Uber or Lyft

If you live in a tourist town or a busy city, you can add driving for Uber to your “how to make $300 fast” list.

Depending on your location and your availability, these ride-sharing apps offer great opportunities to earn cash. Plus, you can get started quickly and potentially have money tomorrow or by the end of the week.

Some drivers report making an average of $19 an hour, which is more than minimum wage. It also means you can make $300 for putting in 16 hours of work.

4. Deliver for food apps

If you’re not into driving people around, delivering for food apps is also a great way to earn extra income. With companies like Instacart, you get paid to deliver food, groceries, or other items.

Similar to ride-sharing apps, you can set your own hours and take the jobs that work for you. It’s included on this list of how to get $300 fast because it’s a great way to make extra bucks at night, on your breaks, or on the weekends.

5. Clean houses

Cleaning houses can also be a lucrative way of making extra money. It requires hard work, but you’re typically paid upfront and in cash. And cleaning houses is one of the unique side hustles you can start.

To get started, advertise your services online, in community centers, or in libraries.

6. Run errands

Use your mobile phone to make extra dollars and sign up with TaskRabbit. It’s an app where you can earn money for running errands for other people.

Simply find available tasks on the app, complete them, and get paid. You’ll see tasks like grocery shopping for the elderly, picking up dry cleaning, and accompanying a patient to and from surgery.

We added this option to this list of how to make $300 fast because the tasks that you can get paid for while helping people manage their daily routine schedule are endless.

7. Dog walking/Pet sitting

If you’re good with animals or love spending time with furry friends, dog walking or pet sitting are fun ways for you to make extra moolah. Pet sitters make around $14 an hour or possibly more.

You can make money doing something you love.

And you can pick up jobs whenever you want to, but not commit long-term. Awesome, right? That’s why it’s one of our recommended ways for how to get $300 fast.

My idea to start something like this is to post flyers around your neighborhood, offer your services to pet owners directly by asking neighbors and friends, or sign up to be a dog walker on Rover.

8. Do lawn care

You can make extra money doing things you like or using the skills and equipment you already have. Offer lawn mowing or landscaping services if you enjoy gardening and working outside.

You could also plant, weed garden beds or rake leaves in the yard. If you know what you’re doing, you could offer more services like fertilizing, watering, or aerating.

Depending on the lot size, you can charge $30 – $85 to cut grass. It’s definitely one of the best ideas to make $300 fast.

9. Look for housesitting opportunities

Housesitting may not be on the top of the list on how to make $300 a day, but it’s still a good way to earn extra money. Check out Housesitter.com to get an idea of what you’d be doing.

They match housesitters with homeowners needing the service. You’ll go through a background check, and then you set the dates you’re available and even the rates.

10. Paint houses

Do you notice details and have brush skills? Great! You can use those to make money painting houses.

Some people may not want to contact a big company to paint their house. You may also come across homeowners who’d started painting and lost interest. And that’s where you come in.

Post your services on social media or tell friends and family members to spread the word. You never know who’s looking for help and may want to hire you for your services. Get your copy of The Side Hustle Guide from Clever Girl Finance to help you learn how to start a small business.

The Side Hustle Guide Book
Get your copy of The Side Hustle Guide from Clever Girl Finance!

11. Babysitting/childcare

You can offer babysitting services when parents want to have an occasional date night or when they get stuck at work. Advertise your services on your social media or sign up for childcare opportunities on Care.com.

There is a huge need for childcare providers right now. So, try this idea to make 300 dollars fast and also help parents out.

12. Rent out your car

Save up extra money by renting out your car on Turo. Turo allows private car owners to rent their cars to others via their online marketplace.

It’s an easy way to make $300 fast or cover your monthly car payments! All you have to do is sign up for Turo, list your car, and determine your price.

Renting my car is my favorite way to make passive income, as it doesn’t require much effort from me, but I make money!

13. Rent out your house

Do you have any extra space in your home or a spare room? List it on Airbnb and make extra income.

If you don’t mind having people stay in your home, you could bring in hundreds of extra dollars each month. When considering how to make $300 fast, it’s one of the easiest ways.

Take good pictures of the space and provide useful information about your neighborhood. Most people coming to stay won’t know much about your area, so talk about how they can get around and what they can do.

On the app, you can choose dates for when you want to have guests. It also doesn’t cost much to get started. But remember to include fees in your pricing.

Buying a house to rent out, or renting the home you live in, is not only a great way to make money but can help you get started with real estate investments as you learn more about rentals and how to earn an income from them.

14. Flip furniture

In need of more ideas for how to get $300 fast? If you like working with your hands, flipping furniture is also a profitable option to earn a paycheck.

Make sure to start small and have a budget in mind. Also, don’t attempt a huge redesign on your first flip.

Look for quality items for sale in your neighborhood that you can work on and sell for more. A few places to start looking for the right piece include Facebook Marketplace and Craigslist. You can also look at yard sales and thrift stores.

15. Try out several survey sites

While online surveys may not make a lot of money on their own, you can earn a few hundred bucks with some dedication and time. Sign up for several of the highest-paying survey sites like Survey JunkieSwagbucks, and also InboxDollars to start getting access to surveys.

You can give your opinion, but many times you can also watch videos or even play games to earn a reward.

Complete as many as you can as quickly as you can from the highest paying survey sites, and watch the cash add up! You may also be able to earn in other ways by getting access to free gift cards or earning a bonus for asking friends to sign up.

How to make 300 dollars a day

For these ideas on how to make $300 a day, you would need more preparation and planning. You might need to learn new money making skills, and it may take months to implement them. But you can definitely make that money in one day with time, effort, and commitment.

16. Freelance writing

I can tell you that freelance writing gigs are not always easy. When I began with freelancing, I needed to learn the type of writing that sells before I could offer my services.

If you already have the skills and want to get paid as a freelance writer, tap into your personal and professional networks to find work. You can also sign up on Upwork to find freelance writing jobs, then get paid using PayPal or another payment method.

The Bureau of Labor Statistics explains the median pay for freelance writers is $69,510 a year, or about $33.42 per hour. You can also make your own schedule, and you can make a lot of money this way if you get positive reviews from your clients.

17. Become a virtual assistant

Do you have a talent for planning and organizing? You may be a good fit for a virtual assistant.

Virtual assistants typically work for online business owners who need help organizing schedules, setting up phone calls, posting on social media, and more.

To begin, think about the skills you already have that you can offer your clients. Then, you can advertise or look for work at places like Upwork, also Fiverr, or even Freelancer. You can build up your skillset and get your own clients from there.

It’s a great way to work for yourself as a full-time job or make extra money. That’s why it’s included on our list of how to make $300 a day. And if you need to know how to become a virtual assistant with no experience, we’ve got the perfect guide.

18. Online tutoring

If you’ve mastered a certain subject or you have a knack for taking complex ideas and explaining them, you can learn how to make $300 fast by offering tutoring services. You can also choose to tutor online or in person.

Advertise your services in your neighborhood or sign up with a site like Skooli.

There’s also a great demand for English tutors, so you can make good money teaching English to students all over the world. Check out VIPKid to see if this opportunity is right for you.

19. Become a social media manager

Do you enjoy keeping up with trends on social media? Are you adept at navigating social platforms and growing a following?

If you answered yes to all questions, then becoming a social media manager could be a great side hustle for you, not to mention one of the best work at home jobs. The position takes a long-term commitment, and you’d have to pick up new skills and learn marketing strategies.

Every business, large or small, is now using social media platforms like Pinterest, Facebook, and Instagram to connect and engage with its audience.

But making content and posting on these platforms can be time-consuming, so businesses are hiring social media managers to manage their accounts. You can create a great business doing this and make online money!

20. Offer makeup services

In this era of social media, makeup services are also in high demand. Aside from the usual weddings, graduations, and proms, you can also offer your services to influencers and owners of businesses who want to create content for their websites or their social media profiles.

On average, makeup artists charge between $100 and $400.

In addition, if you can charge a reasonable price to offset the average wedding cost, you’ll likely be ahead of the competition. Hence, it’s one of the most lucrative ideas for how to make $300 a day.

21. Offer photography services

Do you take great photos and are wondering how to get $300 fast? Look no further because you can easily make money by starting a side business offering photography services.

You are not limited to the usual birthdays, weddings, engagements, and prom photos. People are also paying for Christmas card photos and all kinds of events.

You can also offer your services to influencers and business owners who want to create content for their websites and social media accounts. Selling your photos on sites like Shutterstock can also add a few bucks to your bank account.

22. Become a personal trainer

If you love working out, why not turn to your hobbies that make money? You can teach yoga, strength training, or nutrition.

If you have the experience or the expertise, you can also try niches like exercises for diastasis recti, pelvic floor strengthening, or lower back pain issues.

Becoming a personal trainer can help you do what you love while helping others reach their goals as well. That’s why it’s included on this list of how to make $300 a day.

23. Become a blogger

Blogging is a great way to earn an income consistently, though it takes some time. You can definitely work up to earning $300 per day on the internet from blogging using ads and affiliate marketing.

So if you enjoy writing and have interesting information to share with readers, blogging could be for you. You might even branch out and start a YouTube channel with YouTube videos or create products to sell to make even more money. And don’t worry, you can easily find out how to make money with a blog for beginners.

24. Invest

Investors have a lot of options these days. From apps right on a phone or device, such as Betterment, to becoming lenders for start-ups, there are a lot of ways to make money. Investing is a personal favorite for me when I want to make money.

While investing takes time and consistency, if you get started today, you are very likely to accumulate wealth if you allow your money to grow and you choose good investing options. This could lead to making $300 a day over time.

25. Sell plasma

​If you are able to, giving a donation of plasma can make you some money. You can give plasma periodically, but not too often. Over time, you can save up some money, and if you combine this with other ways to earn, you can make 300 dollars in a day.

A one-time donation will earn you about $50 or up to $75. It’s also important to note that the American Red Cross lets you donate only every 28 days. It’s important to not compromise safety and ask a health professional how often it’s safe for you to donate.

26. Proofread or edit

Becoming a proofreader or editor requires some skills, such as reading comprehension, a good understanding of grammar, and sometimes more training.

But there are plenty of places where you can apply to be a proofreader or editor, such as Upwork, and make good money! A proofreader can make, on average, $22 an hour, while an editor can make $25 or more an hour. Meaning you can easily make the $300 you need in a couple of days!

Expert tip: Don’t be too picky

When choosing a way to make 300 dollars fast, it’s important not to be too picky. After all, you need the money quickly. Instead, think about what you have the time to do, what you’re good at, and how soon you can get started.

On the other hand, if you plan on starting a business or side hustle, that requires more thought and effort, and you should certainly choose something that aligns with your financial goals and talents.

It all depends on whether you need money quickly, just one time, or if you will need more cash on a continual basis. For the first, a quick gig like surveys or selling something might suffice. For the second, proofreading or freelance writing is a better option.

How can a kid make $300 fast?

The best jobs for kids to make $300 fast are dog walking/pet sitting, lawn care, or selling items like crafts. Ask your parents if they know of anyone who needs help with their pets or their yard. You can also sell crafts that you make to neighbors or friends for extra money.

Find out how to make money for kids easily with our helpful guide.

How can I make $300 this week?

To make $300 this week, I recommend trying out a few ideas at once to maximize your profit.

For example, ask for overtime at work and also sell some items you no longer need. Other fast ways to make $300 are to run errands for people, babysit, drive for Uber, etc.

How can I make $300 fast in one day?

To make $300 fast in one day, you’ll need to quickly gather everything that you can sell and put it on Facebook Marketplace or eBay. You can also quickly sign up for gigs like dog walking or tasks like errands. While you wait for job opportunities, do surveys.

It’s all about creating a time management plan and thinking of every opportunity possible. If you do all this at the beginning of the day, you can likely make the money you need by the end of it.

If you enjoyed reading about how to make $300 and you want to find ways to earn even more extra cash, check out these articles!

Trying to figure out how to make $300 fast? Leverage our list of ideas!

Scrambling to make the money you needed yesterday is not fun. But hopefully, our list of ideas to make 300 dollars fast can help you out.

Don’t beat yourself up if you’re struggling with money now or saying, “I am broke!”. Remember, nothing is permanent, and everything has a solution.

Use these ideas to make money fast and work on building an emergency fund.

By being intentional with your cash, you can free yourself from the cycle of debt stress and struggle. Be prepared for unexpected expenses, and know that you can earn 300 dollars fast to improve your financial wellbeing.

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18 Of The Best Online Part-Time Jobs From Home https://www.clevergirlfinance.com/online-part-time-jobs/ https://www.clevergirlfinance.com/online-part-time-jobs/#respond Tue, 27 Jun 2023 18:38:39 +0000 https://www.clevergirlfinance.com/?p=52762 […]

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Are you looking for a way to make extra income? With many companies embracing work from home, it’s the perfect time to look at online part-time jobs to give you more freedom and flexibility in your life.

Online part-time jobs

You may be in a season of life where you only have enough time, want, and energy to work part-time. Whether you’re a student, an entrepreneur, or a stay-at-home mom, taking on part-time online jobs may be the best option for you. 

Let’s get into the best jobs that you can work part-time and also from the comfort of your home!

1. Customer service representative

Even though companies are moving online, customer satisfaction is still their bread and butter. Hence, customer service representatives are the ones taking calls on customer feedback, complaints, and questions. 

It’s one of the best jobs from home. Because you can assist customers by email, phone, text, chat, or physical mail.

Qualifications for customer service

Typically, companies hire based on experience. But you’ll thrive as a customer service representative if you enjoy solving problems and talking to people.

The average pay for work-from-home customer service reps is $18.00 an hour.

2. Remote IT technician

The demand for tech support is only growing as industries move from doing business in person to remote work. It makes sense because technicians manage, maintain, and repair IT systems.

In addition, they help employees and customers resolve technical problems like connectivity issues. 

Qualifications for remote IT tech

Employers may expect an associate’s or bachelor’s degree in IT, computer science, computer information systems, or a related field. Also, you’d have a definite advantage in getting online part-time jobs as tech support if you’re a student taking those programs.

Although you’d still crush it with certifications and experience on specific programs such as Microsoft or Oracle. 

The average pay for remote IT technicians is $28 an hour.

3. Bookkeeper

The U.S. Small Business Administration says, there are 33.2 million small businesses across America. It means there’s a huge need for bookkeepers. Many business owners struggle with keeping accurate and up-to-date bookkeeping records.

Bookkeepers gather and keep records of business transactions. Their duties also include managing payroll and working with an accountant or tax preparer to file the company’s tax return.

The best part is that the work can be done remotely. That’s why it’s one of the best jobs from home. As a bookkeeper, you also have the option to work for companies or even learn how to start a business with no money and choose your hours and clients.  

Qualifications for bookkeepers

You’ll make a really good bookkeeper if you’re organized and also pay attention to detail. You also need an associate’s degree or certification with proficiency in applications such as Microsoft Excel or QuickBooks.  

The average pay for a remote bookkeeper is $56,740 a year.

4. Accountant

Accountants balance a business’s books and file tax returns. Nowadays, many of the processes of accounting are done through the cloud and also automation. That’s why it’s one of the best online part-time jobs from home. 

Here are some companies that offer work-from-home accounting opportunities for professionals looking for flexibility:

Qualifications for accountants

Aside from liking numbers and being methodical, you need a bachelor’s degree in accounting to qualify for entry-level jobs. Many accounting professionals also pursue a master’s degree and CPA certification to further their careers.

The median pay for accountants is $37.14 per hour.

5. Online therapist

Another profession that moved from a traditional setting to a remote one is therapy. Through teletherapy, mental health professionals use texts, emails, phone calls, and also web-based software to provide support and services.

Qualifications for therapists

Being a mental health professional requires excellent communication and listening skills. A degree and experience as a psychologist, social worker, or psychiatrist are also a must.

Likewise, you can easily get a position if you’re an LMHC (licensed mental health counselor), an LPC (licensed professional counselor), or LFMT (licensed family and marriage therapist). 

If you’re pursuing additional certifications and designations, taking on part-time online jobs is a good way to gain experience. It’s also a good option to make a steady income while you’re setting up your own practice. 

The average pay for online therapists is $51 per hour.

6. Paralegal

Paralegals work closely with lawyers providing general administrative support and research. Their other duties include preparing legal documents, drafting briefs, and also collecting information from the client. 

Qualifications for paralegals

If you’re a certified paralegal, you’ll definitely have no problem qualifying for online part-time jobs from home as one. The same is true if you have an associate’s degree in law or paralegal studies. 

There’s no harm in applying for positions if you’re a student pursuing a bachelor’s degree in law, history, English, or philosophy as well. Make sure you highlight your research and writing skills. 

The average pay for paralegals is $49,527 per year

7. Administrative associate

Work-from-home administrative assistants are becoming a norm in various industries, including real estate, healthcare, tech, and education. Just like their traditional counterparts, remote administrative assistants make sure everything is running smoothly.

Some of the duties of this role include scheduling meetings, booking travel and accommodations, and organizing records. In small business settings, they’re also the first point of contact. 

Qualifications for administrative associates

As long as you have experience working in an office environment in the past, you’ll have no problem landing jobs as an administrative associate. If you have a bachelor’s degree in any related field, it’s a great way to rejoin the workforce. Make sure to brush up on current technologies like desktop sharing, online calendars, and VoIP.

The average pay for administrative associates is $16.77 per hour.

8. Social media content strategist

There is so much social media content out there, it feels impossible to get people to pay attention. Yet social media content strategists do it every day.

They have a knack for understanding what the audience wants. Then, they curate content and track engagement to address it. 

Qualifications for social media content strategists

Some social media managers hold a degree in marketing, journalism, or business, but not many. If you have experience running social media or built a sizable following of your own, you have an advantage in landing part time online jobs from home as a content strategist. 

This list of social media marketing courses by Hubspot can help you to start learning how social media platforms work.

The average pay for social media content strategists is $62,339 per year.

9. Digital Editor

Publications like newspapers and magazines have editors. Digital editors also plan, coordinate, review, and edit content. They work with writers, graphic designers, and other talented professionals to produce informative and engaging content.

Qualifications for digital editors

The skills and experience that employers look for depend on the responsibilities you’ll take on. You can easily secure editorial jobs if you have a solid portfolio. 

Understanding SEO and social media best practices would also give you an edge. Even without much experience, you can start as an article or blog editor.  

The average pay for editors is $28.87 an hour.

10. Copywriter

Copywriters create content for many mediums, such as websites, billboards, social media, digital ads, emails, and more. The main goal of the content is to grab attention, so it has to be engaging and compelling. 

Think about an ad that got a reaction from you. Was it funny, witty, or tug at your heartstrings? That was the work of a copywriter.

Qualifications for copywriters

Are you a natural salesperson and have a way with words? In that case, you might want to consider being a copywriter. You can get started by taking copywriting courses online or joining creative writing programs.

Some employers expect a bachelor’s degree or diploma in journalism, business, marketing, or advertising. But then again, many prefer to see the results of your previous work.

The average pay for copywriters is $26.45 per hour.

11. Online educator

There are many ways to land jobs as an online educator. You have the option to teach English through sites like VIPKID. Secondly, you can work for agencies to tutor students in various levels and subjects. 

If you’re a student pursuing a career in teaching, these are great ways to build your resume and gain experience.

Lastly, there are opportunities to be a remote faculty member. So, you manage and direct a class like a traditional school setting. The only difference is that the classes are online.

Qualifications for online educators

To qualify for remote teaching positions, employers expect a bachelor’s degree and teacher certification. If you’re applying to teach college-level subjects, some positions also require a master’s degree in education, special education, or a related field.

On the other hand, some of the tutoring agencies have their own certification training. So, you only need to bring your love of teaching and willingness to learn to be considered.

The average pay for online teachers is $21 per hour.

12. Travel consultant

Do you enjoy planning out great trips? Are you always thinking about your vacation budget? How about being a travel consultant? 

In this role, you’ll be working closely with clients to plan their trips. You’ll be researching destinations and booking accommodations, tickets, and activities. 

You’ll be helping people have amazing vacations while making money in the comfort of your home. Truly, it’s one of the best online part-time jobs. 

Qualifications for travel consultants

Strong communication skills help. Also, bring your bubbly personality. Check out ADTRAV for opportunities.  

The typical pay for travel consultants is $17.70 an hour.

13. Graphic designer

Are you a creative type who enjoys making unique, captivating designs? Then, being a graphic designer may be right up your alley.

Graphic designers have a hand in everything around us, like posters, billboards, product packaging, and videos. Thus, working as one means collaborating with a team or a client to make an engaging design. 

Qualifications for graphic designers

A certification, an associate’s diploma, or a bachelor’s degree is a definite plus when applying for jobs as a graphic designer. But ultimately, employers want to see a portfolio of your best work.

The average salary for graphic designers is $27 per hour

14. Software engineer

With almost everything being online, from shopping and networking to education and therapy, there is a need for software engineers. That’s because they’re the ones building and maintaining the tech products we use every day. 

Software engineers have many designations depending on the industry. When you’re looking for part-time online jobs from home, check positions for systems analysts, software developers, data engineers, or web developers as well. 

Qualifications for software engineers

Being a software engineer requires a bachelor’s degree in computer science or a related field. Employers also expect experience and program specializations such as JAVA, Angular framework, Angular JS, C/C++, and Unix/Linux.

If you’re currently pursuing a career in software development, part-time positions are a great way to practice, choose a specialization, and explore an industry.

The average pay for software engineers is $139,952 per year.

15. Online recruiter

Are you a matchmaker? Do you have the uncanny ability to delegate people to jobs best suited to their abilities? Well, then, you could be a superb online recruiter.

The role involves working with managers to find the right people for the right roles in the company. You write the job posting and gather resumes. Then, you’ll screen, interview, and onboard new hires. 

Qualifications for online recruiters

A degree in human resources or communications is advantageous but not necessary. Although, familiarity with technology like MS Office, Google Suite, and Hangouts is a plus.

The average pay for online recruiters is $56,583 per year.

16. Transcriber

Do you like working alone? Can you type really fast? Well, seems like you’re the ideal transcriber.

The job of a transcriber is to listen to recorded dictation, then type out what they hear. They also help clean up incorrect grammar before they submit the final draft. 

Qualifications for transcribers

As long as you are fluent in the language you’re going to transcribe and you can type fast, you can get started right away.

Transcribing may be a time-consuming process, but it’s a great way to make money from home. That’s why it’s one of the best part-time online jobs.

The average salary for transcribers is $20.93 per hour.      

17. Video Editor

Do you like manipulating videos, like adding sounds or animations? Why not explore your interest and make extra money at the same time?

You might be well suited to being a video editor, where you use editing software to piece together camera footage, dialogue, and graphics to create the final product.

Many businesses use videos for promotions, product demos, and social media platforms. Hence, you can easily find online part-time jobs as a video editor.

Qualifications for video editors

Being creative with excellent attention to detail is a good start. Some companies expect a bachelor’s degree in film, fine arts, or communications. But ultimately, you need to be proficient with video editing software to produce the finished product.

The average pay for video editors is $29 per hour.

18. Language interpreter

If you’re bilingual like me you’ve probably seen the targeted ads in your language while scrolling social media or surfing the internet. Not only do companies want to reach their target market, but they also want to connect to that audience in a language they’re familiar with. 

That’s why there’s a need for translators. As a translator, you’ll interpret documents, live speeches, or videos carrying over the original tone and meaning.

Qualifications for language interpreters

Fluency in multiple languages is a must. Strong writing and speaking skills are also necessary. Some companies may ask for a bachelor’s degree. Check out Gengo and Blend Express for online part-time jobs from home. 

The average pay for language interpreters is $23 per hour.

Expert tip

Any type of part-time job you choose can help you reach your financial goals. Find something that you enjoy doing and have a specific purpose for the money you make. That way, you can really use your extra dollars to make an impact!

What are the advantages of working online part-time jobs?

The best advantage of working from home is that there are more options available to you because you can search and apply for jobs outside of your city. Below are other benefits to consider. 

Ability to make extra income

Honestly, you’re not the only one looking to make extra income. Many of us are also trying to cope with the rising cost of necessities. 

The good news is you can learn how to increase your income even if you only have a few hours each day to spare. Many part-time online jobs from home require an average of 20 hours per week.

Less expense and commute time

Taking on online part-time jobs from home saves you gas money. And also no commuting!

You’re spared the general stress of driving or taking crowded public transportation. It’s also a great benefit for people with mobility limitations.

Flexible schedule

Additionally, a part-time position allows you to be on a schedule that works for your lifestyle. You can earn money and still attend to your personal responsibilities, business, or hobbies. 

If you’re a stay-at-home parent, you can work when your kids are in school and be off the clock in time to pick them up.  

Networking opportunities

If you’re exploring a new industry, taking on part-time work can be a great way to network and then establish connections. Besides that, you’ll be able to improve your skills and gain experience. (These networking tips can help you out!)

Ability to create multiple streams of income

A part-time job can be something you do when you aren’t working your full-time job. Or it might be in addition to a spouse’s income. Either way, it helps you create more than one income stream, which increases financial stability and helps your budget too!

What can you do with extra income from part-time online jobs?

Hopefully, you found one or two interesting jobs that you’d want to try out from our list above. Now, let’s see what you can do if you have more money coming in.  

Pay off debt faster

You can put any extra money to good use and reduce any credit card debt you have. With no debt, you won’t have any interest payments, which is more money in your pocket. Plus, you have less stress. It’s a win, win for you! 

Save more

With your extra income from working part-time, you could save more. You could build up your emergency fund account. 

You can also use the money to save for vacations, big ticket items, or any special occasion celebrations that are coming up.

Invest

Instead of paying interest on debt and working to make money, find out how to start investing and make money work for you. Don’t worry if you don’t know where to start with investing, you’re in the right place. 

Get the education you need with our completely free investing course.

How can I get an online job quickly and start making money?

The more effort you put into finding a job, the faster you’ll find one. If you only send out a couple of resumes a week, it may take some time. But if you send out 10 or 15, you’ll probably have some job offers much faster.

What’s the easiest job to do if I have a busy schedule?

The easiest job to do is one that has flexible hours, for example, copywriting or graphic designing. Doing so will allow you to work at your own pace and work the hours that are best for you.

Enjoyed reading this article? Check out this related content:

Start making money with these online part-time jobs today!

Make use of the extra hours you have each day to earn extra income!

Then, put that money to good use and pay off debt, save more, or start investing. Before you know it, you’re on your way to wealth accumulation for you and your family

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The 13 Best Books On Decluttering To Motivate You https://www.clevergirlfinance.com/the-best-decluttering-books/ https://www.clevergirlfinance.com/the-best-decluttering-books/#respond Tue, 27 Jun 2023 17:18:47 +0000 https://www.clevergirlfinance.com/?p=53901 […]

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Are you trying to organize your home and looking for the best decluttering books to help you along the way? You’ve come to the right place!

Decluttering and organizing aren’t just a trend. It’s an easy way to reduce stress because a tidier space is more relaxing than a messy one. Parting with items you don’t need or want also helps you feel calmer, happier, and more in control.

Best decluttering books

This is why for most people, decluttering increases their productivity. And it improves their mental and physical health as well.

In this article, we’ll go over our favorite books on real-life decluttering for a clutter-free home. But first, let’s discuss the benefits of reading these books!

How will reading the best decluttering books help you?

You’re probably tired of cleaning up and organizing the clutter in your home. You might have attempted to get rid of it so many times but failed.

The struggle with decision fatigue and overwhelm are real! That said, reading books can help in the following two key ways:

Books on decluttering can provide you with motivation

You know what? If you can get rid of all that stuff without difficulty, you would have done so already.

It’s really hard, that’s why there are professional declutterers. You’re not the first one who needed help in this department.

There is so much decluttering advice out there. But one book may be all you need to get motivated and finally get rid of the clutter that’s taking up all that space in your home.

Decluttering books can guidance and direction in getting organized

The process of looking at all your possessions at once can be overwhelming. And only a few people succeeded in getting rid of their clutter that way. This is why reading books on decluttering can help.

A book can provide you with the guidance and direction you need. In addition, following one book from start to finish can be all you need to regain control of your home and stuff.

13 books on decluttering to inspire you!

Below are the books we’ve compiled to help you move forward with your decluttering journey. Let’s dive in!

Note: These books on decluttering are tied to Amazon affiliate links. This means if you make a purchase we may earn a small commission which helps us grow!

1. Minimalista: Your Step-by-Step Guide to a Better Home, Wardrobe, and Life by Shira Gill

Minimalista Book

Shira Gill is a professional home organizer who knows that clutter is a universal stress trigger. But she doesn’t believe in strict rules and limitations.

Shira defines minimalism as having the perfect amount of everything—for you. That a minimalist home and lifestyle should be based on what you value and what your space allows.

In the book, Minimalista, she shares her signature decluttering and organization process that she created through her work. Shira also teaches that the most important thing you can do is start.

And her method is for everyone. So, whether you’re right at the start of your minimalism journey or you’re pretty far along, this is absolutely one of the best decluttering books to motivate you.

2. The Joy of Less: A Minimalist Guide to Declutter, Organize, and Simplify

The Joy of Less Book

According to Francine Jay, the key to decluttering is clearing out all of your things and adopting a minimalist lifestyle. Many see minimalism as restrictive. But she sees it as a way to be free from the weight of having so much stuff.

The book, The Joy of Less features Francine’s lighthearted approach to simplifying your life. She shares her easy-to-follow streamlined method that works in any space. So, you can work up from a single drawer to a closet, or a room, then your entire house.

3. Goodbye, Things: The New Japanese Minimalism by Fumio Sasaki

Goodbye Things Book

Goodbye, Things is a digestible, easy read with clear guidelines that you can refer back to whenever you need. It is truly one of the best decluttering books, it’s even better because Fumio Sasaki is not a professional declutterer.

He was just a regular guy. But he was stressed at work and had a habit of constantly comparing himself to others.

Can you relate? I think most of us do.

Sasaki decided to change his life by saying goodbye to everything he didn’t absolutely need. His newfound minimalist lifestyle has given him true freedom, new focus, and a real sense of gratitude for everything around him. He shares his experience with minimalism and how he did it in this book.

4. The Minimalist Way: Minimalism Strategies to Declutter Your Life and Make Room for Joy by Erica Layne

The Minimalist Way Book

The Minimalist Way is packed with questions, exercises, and strategies to help you apply the minimalist mindset to every aspect of your life. Erica Layne wants you to go at your own pace.

So, she shows you how to define your own minimalist lifestyle. She also teaches how minimalism can be applied to your spending, food, clothing, family, leisure time, work, and more.

Doing so helps you cultivate inner calm. This is one of the greatest books on decluttering especially if you’re looking to clear out physical, mental, and emotional clutter.

5. Let It Go: Downsizing Your Way to a Richer, Happier Life by Peter Walsh

Let It Go Book

The book, Let It Go is one of the best decluttering books if you’re going through a major life event. Such events could be selling your home, blending two households into one, or cleaning out your parent’s home.

The author, Peter Walsh, recently went through the daunting task of cleaning out mementos from his childhood home. The experience also meant dividing heirlooms among his family. And he realized how downsizing triggers overwhelm and strong emotions.

In this book, Peter shares practical tips that prepare you so you can let go of stuff quickly with less pain.

6. Organizing for the Rest of Us: 100 Realistic Strategies to Keep Any House Under Control by Dana K. White

Organizing for the Rest of Us Book

Organizing for the Rest of Us features Dana K. White’s signature lighthearted approach to decluttering and organizing. Dana provides bite-size solutions to break through every organizational struggle you have—for good!

To get started with decluttering, Dana wants you to let go of perfection. Her goal is to show you how to have an organized house with minimal effort.

Along with the 100 organizing tips, it includes colorful photos, a presentation page, and a ribbon marker. If you want to control the chaos, Organizing for the Rest of Us is one of the best books on decluttering to follow.

7. The Home Edit: A Guide to Organizing and Realizing Your House Goals by Clea Shearer and Joanna Teplin

The Home Edit Book

The Home Edit is a masterclass and lookbook in one from the popular organizing duo, Clea Shearer and Joanna Teplin. Have you seen their show on Netflix? Their results are downright mouth-watering at times.

Of course, the Home Edit book edition didn’t disappoint. It’s filled with bright photographs and detailed tips. You’ll learn how to arrange plastic dishware in a drawer so little hands can reach. And they also show you how to categorize your pantry items by color.

Above all, flipping through the pages feels like having your best friends at your side to help you turn the chaos into calm. It’s truly one of the best decluttering books to spur you into action.

8. Declutter Like a Mother: A Guilt-Free, No-Stress Way to Transform Your Home and Your Life by Allie Casazza

Declutter Like A Mother Book

Declutter Like a Mother includes all of Allie Casazza’s signature methods of purposeful motherhood and minimalist lifestyle that she shares on her blog.

Research studies show a direct link between stress levels and the amount of stuff people have in their homes. Allie saw how that played out in her own life and in the lives of other moms she mentored.

Allie breaks down the areas in the home that cause the most stress, especially for moms. Then, she gives a room-by-room guide to help you make those areas work for you. She helps you see and get rid of anything that isn’t serving a purpose.

Her goal is to show moms that they don’t need a perfect home. They need a home with more space that has room for what matters most of all.

9. The Declutter Challenge: A Guided Journal for Getting Your Home Organized in 30 Quick Steps

The Declutter Challenge Book

The Declutter Challenge is one of three books on decluttering from organizing guru Cassandra Aarssen. It’s a motivational guided journal to help you find the strength or time to tackle the mess in your home.

Cas gives you the tips and tricks she uses to declutter her home. So, you can have a more organized and peaceful life.

The journal includes pages and pages of decluttering and organizational tools. But more than that, it’s designed to help you declutter your home and life through mindfulness and self-motivation.

You’ll be developing inner calm as you organize your home. Cas shares that you can navigate the chaos of clutter if you take the time to understand yourself and the meaning behind it.

10. Making Space, Clutter Free: The Last Book on Decluttering You’ll Ever Need

Making Space, Clutter Free Book

Making Space, Clutter Free offers the reason why many of us struggle to let go of clutter. In the book, organizing expert Tracy McCubbin presents the seven emotional clutter blocks.

These are unconscious biases running the show that is keeping her clients from having financial freedom, healthy relationships, inner calm, and positive outlooks.

Written with kindness and humor, she explains that we keep stuff because of emotional attachment. Learn her techniques to recognize and overcome your clutter blocks. Not all books on decluttering helps you to finally let go, but this one does.

11. Beautifully Organized: A Guide to Function and Style in Your Home by Nikki Boyd

Beautifully organized book

Nikki Boyd is a professional organizer who shares creative and straightforward ways to organize your home on her blog and YouTube channel. On Beautifully Organized, she shows you how to transform your home into decluttered and calming space.

The book includes gorgeous, inspirational photography on every page. In addition, you’ll learn Nikki’s signature steps on how to create a welcoming home to share with your family and friends.

Beautifully Organized is a room-by-room guide that helps you organize your home beautifully so you can enjoy it. And when you love your home, you have an inner calm.

12. Homebody: A Guide to Creating Spaces You Never Want to Leave by Joanna Gaines

Homebody book Joanna Gaines

Homebody may not seem like your usual book on decluttering, but it’s a great room-by-room guide to help you create spaces that feel and look like you. What a beautiful feeling to live in a home that reflects the personalities and stories of the people who live there!

The book has many varied examples to help you pinpoint your likes and dislikes so you can find your authentic design style. It includes insights that will motivate and inspire you to create an inviting home thoughtfully.

13. The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing by Marie Kondo

The Life-Changing Magic of Tidying Up Book

Of course, our list won’t be complete without the OG of the books on decluttering, The Life-Changing Magic of Tidying Up.

Not only is this book an international bestseller, but it will truly help you get rid of the clutter in your home. Marie Kondo and the KonMari Method, have been known worldwide since her hit show on Netflix.

Marie wants you to organize your belongings category by category. Then, use her main technique.

That is to pick up each and every object, consider it, and ask yourself “Does this spark joy?” If it doesn’t, then you know what to do.

Marie says that changing your mindset and using these practices lead to long-lasting results. She herself has a months-long waiting list for her services.

In addition, none of her clients have lapsed back into their old ways. She’s that good!

Expert tip

If you’re thinking, contemplating, or planning how to organize and declutter your home, what experts want you to do is just start.

Start with getting rid of one thing a day. Maybe you can tackle a drawer or one room if you have the capacity for it. But just start!

How do you start decluttering when overwhelmed?

If you’re feeling overwhelmed with the amount of work ahead of you, then start with the end in mind. Picture the kind of home you want, instead of what you have now.

Then, create a step-by-step action plan on how to achieve it. Maybe step one is reading books on decluttering.

What is the first rule of decluttering?

Decluttering is the process of letting go. It involves looking at your belongings and making a decision if they stay or if they go. So, the first rule on decluttering is to have two piles only – keep and donate/toss. Don’t have a MAYBE pile.

Where can you find the best books on decluttering?

Take a look if your local library carries any of the books we have on this list. You can also ask them to order it, many libraries take suggestions for items to be added to their selection.

Many books have an audio version as well that you can check out. Lastly, bookstores and Amazon is always an option.

What’s the best way to read books on decluttering?

First, decluttering isn’t like baking. You don’t need to be so precise. But you do need a plan.

So, one way to do it is to read the book all the way through and take notes. Then, make a roadmap of what you need to do from your notes and reference the book from time to time.

Another way is to follow along with the books as you read. Maybe going chapter by chapter and implementing the steps mentioned.

If you enjoyed this article on the best books on decluttering, check out this related content:

Say goodbye to clutter! Get help from the best decluttering books!

If decluttering helps reduce stress, then it doesn’t make sense that you should be stressed doing it. The books listed here are an easy way to get started and know exactly what needs to be done.

Getting rid of belongings can be hard for anyone, but you don’t have to do it alone.

Get the knowledge you need to say goodbye to clutter forever from the best books on decluttering! And while you’re at it, why not declutter your finances? Read some of our other fantastic articles about creating a minimalist budget and more ways to simplify your finances.

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8 Tips For Casual Chic Style On Any Budget! https://www.clevergirlfinance.com/casual-chic-style/ https://www.clevergirlfinance.com/casual-chic-style/#respond Tue, 23 May 2023 14:12:00 +0000 https://www.clevergirlfinance.com/?p=15964 […]

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Are you looking to get out of the rut of wearing the same thing over and over again? Or maybe you’ve been thinking of improving your personal style and want to look like those cute chic women you see in photos.

Well, you’re in luck! In this post, we’re sharing some tips on how to elevate your look into a casual chic style on any budget!

Casual chic style

The good news is you don't need to break the bank for fashion goals. Chances are you own some casual chic pieces already!

You just need a little creativity and balance—pair everyday basics like jeans and a t-shirt with polished shapes, styles, and fabrics. Then, add a little bit of flair, and voila! You’ve got the foundation of casual chic.

So, let's dive into how you can achieve a casual chic style no matter what your budget is. But first, let's discuss what the casual chic meaning is.

Casual chic meaning: What is casual chic style?

The meaning of casual chic can be different for everybody, but the general idea is to mix sophisticated and formal wear with everyday pieces to create a simple wardrobe that feels effortless.

A classic casual chic combination is jeans and a t-shirt outfit with a pair of high heels. The key is to look like your outfit only took minutes to put together while still being polished.

The great thing about casual chic style is that it doesn’t focus on trends. That means you can create your own style by mixing simple items and elevated pieces you already have in your closet while injecting some personality through unexpected additions. These additions could be a pop of color, accessories, a bold lip, or fabulous shoes.

Picture a day dress with sneakers and a statement necklace. A casual chic look is most likely what you wear on the weekend. Or it could be everyday attire if you work in a casual environment.

Want to develop a casual chic style? Here are 8 tips to achieve it on any budget!

Having a casual chic style is a gift for women who like to play with clothes because it has no set rules. You just need to know how to mix and match your clothes and accessories.

So, here we go — our tips on how to be casual chic regardless of how much you can spend on clothing.

1. Invest in casual chic wardrobe staples

A blazer is one of the timeless fashion pieces you should have to achieve a casual chic style. It elevates any outfit and gives it a polished look. Be sure to get a blazer that fits well and flatters your figure.

You can get it in a neutral color like beige, grey, black, navy, or white, so it's easy to pair with other pieces.

Another must-have and one of the most comfortable pieces in the casual chic woman's closet is the shift dress. This is simply because shift dresses are easy to dress up or down.

So, if you like one-item outfits, you can have at least two dresses in your favorite neutral hues. You can also get them in different lengths and necklines for variety.

Lastly, a button-down shirt in white or cream, or even one with a pattern like stripes, is always going to create a classic look that is elegant but not overly styled. One chic outfit idea is jeans and a button-down with slingbacks.

Casual chic style

2. Add a pop of color or prints

Although you want to be stylish, clothes should also be comfortable and fun. Casual chic doesn’t just mean neutral colors and minimalist fashion brands. It's ok to add bright colors to your ensemble and play with prints.

For example, you can pair straight-leg jeans with a blazer and a vibrant camisole.

You can even finish the outfit off with an animal print shoe. If you’re feeling bold and if you have it in your wardrobe, a sassy, bright-colored blazer could be the unexpected pop in your outfit.

3. Mix it up with accessories

Adding accessories is one of the easiest ways to make any outfit belong in the casual chic style category. Use accessories like jewelry, sunglasses, hats, and belts to create a different look and feel to outfits you’ve worn before.

Another popular casual chic accessory is a silk scarf. Dare we say it’s the ultimate representation of Parisian chic style! Consider investing in a silk scarf and take some time to learn a few different ways of tying it (find out how to wear a Hermes scarf). You can be wearing a T-shirt or a day dress and still be “le chic” with your silk scarf.

Another great accessory is a well-made leather belt, like the Hermes Kelly belt. You can wear it with pants, jeans, dresses, blazers, and even coats.

Remember, the casual chic meaning doesn’t mean basic or expected. Make the style your own with fun jewelry, rich textures, and unexpected pop pieces in every outfit.

4. Don’t forget the handbag

Whether it’s a cute clutch, a satchel, or a crossbody, chic women are always seen carrying the right bag, like a pre-owned designer handbag. A bag can give your outfit a whole new look; that’s why it’s an essential element of nailing the casual chic style.

As such, a classic leather bag or a statement purse with the right pattern, fabric, or color elevates a simple t-shirt and jeans outfit. For an easy, casual look, you can also carry an oversized tote with a dress and espadrilles outfit.

5. Finish the outfit off with cool shoes

The cool thing about shoes is that you can use them to either dress an outfit up or down to achieve a casual chic look.

For example, you can elevate a tank top and jeans ensemble with a pair of strappy heels or neutral pumps.

On the other hand, you can dress down a button-down top and slacks ensemble with chic loafers or ballet flats. Flats give the impression and sophistication of being dressed up without the pressure of having to wear heels.

Also, flats are comfortable, so your feet will thank you too. Plus, they come in every casual chic style, color, and print that you can pair perfectly with any outfit!

6. Match hair and makeup

As you’ve probably learned by now, the key to casual chic is looking effortless. That applies to creating a minimal makeup routine and hairstyle as well.

So, you may opt for a soft and neutral palette and eye makeup and finish it off with a bright-red bold lip color. Or you could do a dramatic cat-eye with a neutral lip color.

And like your outfit, keep your hair neat but not fussy. A messy topknot or a sleek chignon is a great look for updos. You can also choose to keep it down for a beachy, tousled look.

7. Build style spending into your budget

If your style is important to you, then it should have its own category in your budget. Whether you use the cash envelope system or learn the advantages of zero based budgeting, make sure you allocate funds for things you care about, like fashionable clothes.

You could also try setting aside a certain amount of money per week or per month as one of your sinking fund categories for new clothes, accessories, or shoes. The idea is not to spend the money just because it’s there but to create a sinking fund. Then you will have the money when you find something perfect for your casual chic look.

And a great way to save is to look for items from thrift stores or secondhand online shops, or even vintage. You may find exactly what you need for half the price!

Casual chic outfit

8. Opt for sustainable, affordable clothes whenever you can

You might find yourself spending more on fashion if you equate wearing luxury items to having great style. Thankfully, being stylish doesn’t have much to do with the price of each item.

That said, if you follow trends, you may be buying clothes that cost less but harm the environment. This is why it’s best to know the materials of the items you’re buying and to opt for sustainable, affordable clothes whenever you can.

Cotton, linen, Tencel, and wool are examples of organic materials that would last longer. So, you’ll get more wear out of your favorite pieces, and it creates better budgeting, too.

It’s also best to be thoughtful and mindful of your purchases. When you see something you want to add to your casual chic wardrobe, shop around and see if you can get it from a sustainable producer and also consider cost per wear. Then you know it’s going to last longer, and you’re also getting the best deal.

Expert tip

It isn't difficult to master a casual but sophisticated style. The important thing is to remember to mix elements of different styles so that the look is effortless.

 

What is an easy casual chic outfit?

When it comes to picking out an easy casual chic outfit, consider a dress with ankle boots or mid-heels and a leather jacket. Or jeans, a tee, a blazer, and heels.

Best fashion item to add more chic style?

A great handbag that is both sophisticated and casual enough for everyday wear is perfect to add more chic style to your outfit. Alternatively, accessories, like earrings, a simple or statement necklace, or a bracelet can do the trick too!

Enjoyed this article on casual-chic style? Check out these other great articles!

Build your casual chic wardrobe on any budget

Spend money on things that matter to you. If a casual chic wardrobe is important to you, add a style category to your budget. You are worth it.

Plus, having a separate category means you can track your spending better. It will also help you be more mindful and thoughtful about your purchases.

Remember, the key to achieving a casual chic style is to look effortless. You can start by shopping your closet and then add your personality and a little creativity to whatever you find there! Soon you will look like one of those classy chic luxury influencers you admire!

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6 Money Mindset Exercises To Try Today https://www.clevergirlfinance.com/money-mindset-exercises/ Wed, 03 May 2023 22:18:12 +0000 https://www.clevergirlfinance.com/?p=49159 […]

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Money mindset exercises are a must when you’re setting up financial goals because, without the right mindset, it’s near impossible to make positive changes in your life. Regardless of where you are on your financial journey, these practices help you stay motivated. Let’s keep you on track and ready to achieve your goals with abundance mindset exercises!

Money mindset exercises

What are money mindset exercises?

Money mindset exercises are practices that you do to change how you think about money and wealth. Because your perception of money impacts the way you earn, save, and spend it. All of which affect how you manage your finances and build wealth.

Since childhood, you were surrounded by beliefs, judgments, and ideas about money. Not to mention that your own experiences with money influenced how you view it too.

Whether you consciously think about your understanding of money or not, you carry these notions and judgments with you. And they show up in how you manage your finances.

Abundance mindset exercises help you discover and examine your beliefs about money. Then, you can look closely at the ways you earn, save, and spend your dollars to see how these beliefs are driving your actions.

Why do you need to do money mindset exercises?

You can learn to think differently about finances by changing your mindset. Rewiring the brain is a fascinating process called neuroplasticity. Basically, it’s using attitudes of mindfulness to redirect thoughts and change habits.

Financial mindset exercises help you become aware of your thoughts and redirect them. When you practice mindfulness and change your habits, you use new parts of the brain. That’s when the rewiring happens, and you create new pathways in your brain.

The task of building wealth is a long and winding road, especially if you grew up without money and are a member of a marginalized community. These mindset exercises can help you stay motivated. Because a huge part of the challenge is staying in the right abundance mindset.

Money mindset exercises to try

Money is a tool that humans created to make exchanging goods and services easier. But because we need it to survive and thrive, we’ve attached emotions and beliefs to it.

Unfortunately, those emotions and beliefs tend to run the show, whether we are conscious of them or not. The good news is you can redirect your thoughts with abundance mindset exercises. Check them out!

1. Look to the past

Being aware of what you tell yourself about money is a great start. Once you get those thoughts out, you can use money mindset exercises to shift them to the positive.

Start journaling to find out what you truly think about money. If you’re having difficulties identifying your limiting beliefs about money, remember they came from somewhere.

So, thinking about where you got them from is also a good place to start. Did they come from the way your family talked about money, teachings from church, or your own experiences?

Similarly, think about times when you felt shame, guilt, or disappointment around money. When do these feelings show up in your adult life?

For instance, do you feel guilty wanting more money – getting a big promotion or making more money in your business? Why?

When you’ve gotten your thoughts down on paper, it will be easier to see what you need to change.

2. Examine your current money situation

The challenge of financial mindset exercises is that you can only see if they’re working if you’re also taking action. That being said, you cannot improve a situation if you don’t know what’s going on.

If you’ve been avoiding looking at your credit card statements or bank accounts, now is the time to do that.

Likewise, you can’t create a budget that will work for you if you don’t know how much money you’re earning or spending.

For that, you may want to start a spending journal. The goal of which is to help you identify your spending habits and where your money is going. A spending diary will also show you where you can improve.

Basically, you need to look over your finances and see what is going well and what needs improvement. This may include habits for saving, spending, investing, or a combination.

3. Practice compassion for yourself

Since money is a huge part of our survival, we see every financial mistake as wasting money. Although that may be true in some situations, that’s not always the case.

Some mistakes are necessary for us to learn lessons and grow as a person. So if you’ve been berating yourself for past money mistakes, it’s time to stop (and maybe try some confidence building exercises to help)!

Forgive yourself and shift to money mindset exercises instead. Four ways to practice self-compassion are to take care of your body, write down your feelings, be positive towards yourself, and add mindfulness to your life.

4. Be grounded in gratitude

When you’re grounded in gratitude, you’re saying that you’re content with life. But you’re also happily anticipating more good things to come. That’s why it’s one of the best abundance mindset exercises.

Oftentimes, we only feel grateful when we get the big goals we’ve been working on, like a promotion, a new car, or a house. Of course, there’s nothing wrong with celebrating the big wins.

But those can be few and far between. It’s also unsustainable to keep chasing success and material satisfaction to feel grateful.

Practice money mindset exercises by being grateful for the small things every day. When you start with the small things as part of your daily gratitude list, you’ll always have something to be thankful for.

Be grateful you opened your eyes as you get out of bed. Be grateful you have running water as you take a shower or brush your teeth. Find more ways to be grateful in our 30 days of gratitude challenge!

5. Make a list of how you want money to show up in your life

Make a list of the things that make you happy and light your soul on fire. It doesn’t matter if you think they’re outrageous, and they’re never going to happen in a million years. Write down everything you would like to have and experience if money is no object.

Then, make another list of practical financial goals you want to achieve in the next 30 days, 3 months, and 3 years. Maybe you want to build up your emergency fund or start sinking funds for a family vacation or purchase.

Make a plan for each of your goals. Figure out how much money you need to save and how much you can truly afford to put away each month. Update your plan each month to check on your progress.

How about the first list you made? Pick one and make it your big hairy audacious goal.

6. Keep showing up for yourself

One of the most effective money mindset exercises is showing up for yourself relentlessly.

This happens when you read abundance mindset books and learn about how to invest for your financial future. Or, if you’ve been dealing with chronic debt, showing up for yourself is getting help to tackle your debts once and for all.

Showing up for yourself may not be the same every day. But you do it when you journal, meditate, and say positive money affirmations.

Listen to personal finance podcasts, read blogs, and watch YouTube channels to learn how to stay positive in a negative world. Call your bank to negotiate your interests or join a savings challenge.

No one can do this for you. So, show up for yourself every day, tirelessly.

Expert tip: Become conscious of your thinking

Having the right money mindset is all about being conscious of your thinking and choices. In addition to learning from your past and present money situations, you also need to balance this with compassion for yourself and an understanding of where you want to be in the future.

Money mindset questions to ask yourself

Being intentional with your thoughts means knowing what they are and where you got them from. So, here are some money mindset questions to ask yourself to figure out your beliefs about money and wealth.

How was money talked about in your family?

The way you think about money and react to it can be tracked all the way from childhood. Be patient with yourself if you can’t remember much. Answer these additional questions to get started.

Did your parents talk openly about money? What feelings did they express in these conversations – anxiety, anger, excitement, etc?

If your family didn’t talk about money, how do you feel about discussing your finances as an adult? In your life now, can you see similarities in how you feel, talk, and handle money the way your family did?

What are your experiences with money?

Needless to say, your experiences with money impact how you manage it today.

For instance, if you never got what you wanted as a kid, you may be the adult with money spending problems who spends everything you earn. It’s as if you’re trying to make up for all the times you didn’t get what you asked for.

As you look back and try to connect your money habits to your past, you will not always get such a clear-cut explanation. But spend time thinking about it and see what comes up.

What common beliefs about money have you heard a lot about growing up?

Perhaps you’ve heard, “Money is the root of all evil,” or “Money doesn’t grow on trees,” or “You have to sacrifice to make money,” etc. Are these phrases familiar?

You’ve probably heard them before, along with; “to serve God means you can’t want more money,” “the only way to make lots of money is to go to college and have a secure job,” or “you can’t make money doing what you love.”

Which ones of these are you subscribing to? Have you thought about whether they’re true or not?

Find out what money myths you believe and explore some common beliefs about money that may be harmful to your financial well-being.

How do you view poor people?

Continue your exploration by considering what you think about poor people.

Some common views about poor people are they’re bad with money or have bad money habits, they’re not trying hard enough, and they just want a handout.

Do you share the same opinions? If you experienced poverty, do these ideas align with your experience?

How do you view rich people?

It’s fascinating how the poor and rich are represented if you think about it. Because the rich aren’t described favorably either. Some popular views about rich people include they’re greedy, they don’t work hard, and they just got lucky.

The thing is, would you be excited to work towards your goal of being financially sound if you see rich people as selfish, entitled, and demanding?

Some of us have judgments and beliefs about money that we’re not even aware of. And doing money mindset exercises helps you uncover these narratives that may be holding you back from achieving your financial goals.

What do you actually believe about money?

Some of the beliefs we hold onto from childhood and painful money experiences may not be rational. But they drive the way we earn, save, and spend money nonetheless.

Look at your answers to the money mindset questions and relate your answers to your financial situation now. Can you spot patterns in your life, such as you can’t get out of debt?

Take some time to identify money values that you agree with consciously but you do the opposite of in your life.

For instance, do you spend all your money as soon as you get it, even though you want to save? Or maybe it’s the opposite – you restrict yourself from spending on luxuries and necessities even if you can afford them.

Identifying your actions and beliefs can help you to align them in your life.

What is the best type of money mindset?

The best type of money mindset is one that allows you to continually grow and improve. Rather than staying stuck with negative beliefs, you can constantly try to make your mindset align with what you truly think.

How do you instantly make your mindset better regarding money?

A great way to instantly improve your mindset is to believe that no matter how far you have to go, you are capable of achieving your money dreams. Even if your finances don’t look the way you want, keep telling yourself that you will find a way to change it, and then look for ways to do just that!

How do you continually practice an abundance mindset?

Whenever you catch yourself repeatedly thinking negative things about money, remind yourself of something positive instead. For example, instead of worrying about debt, be proud that you made a budget this month.

More money mindset articles

If you liked reading about money mindsets, check out these articles next:

Money mindset exercises can improve your finances and life!

Changing the way you think about money for the better can only help you. In fact, it may help you build wealth for yourself and generational wealth for your family!

Whether you start with answering money mindset questions or looking for ways to think more positively, do one of the money mindset exercises today! And then, do them again and again and again until it’s easy to believe that you’ll achieve financial wellness. Cheering you on!

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23 Best Side Hustles For Couples https://www.clevergirlfinance.com/side-hustles-for-couples/ Thu, 09 Mar 2023 00:24:07 +0000 https://www.clevergirlfinance.com/?p=46717 […]

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Best side hustles for couples

Do you and your partner or spouse have some big dreams that you want to save for, or do you want to earn more income each month? We made a list of the best side hustles for couples to help you out. Because it's never a bad idea to find ways to make more money!

To get started with a side hustle, choose ones that align with your interests. It’s also best to go with one where you can use skills you already have.

Let’s get into some great ideas below!

Benefits of side hustles for couples

Couples can undoubtedly benefit from making additional income. It’s a great way to spend more time together. Plus, you’ll have extra money for savings, vacations, and other household expenses.

Starting a side hustle with your partner also allows you to have mutual experiences. You get to collaborate with your significant other and enjoy working together, especially if you have similar interests. All of which help expand your trust and appreciation for each other.

How to succeed when working in a side hustle for couples

Working together can bring some discomfort in a relationship, no matter how secure you are with each other. So, here are some ideas to help you succeed in both partnerships.

Put your relationship first

When disagreements happen, remember why you started in the first place. Whether you’re in it to make more money or spend time together, be a couple first. Value your relationship before work and have each other’s back. Also try out these fun at home date night ideas to keep your relationship strong.

Use your understanding of the other person to help you succeed

The benefit of working together is you already know each other well enough. You know when your partner needs rest or support.

In addition, you’re familiar with each other’s strengths and weaknesses, so you can divide responsibilities accordingly.

Define your roles

It’s best to set clear boundaries as well when you’re working with your partner. Define each other’s responsibilities. This also helps you be organized and effective because you don’t have to run every detail by each other.

Develop a good work-life balance

It can be tricky, but you have to set hours to work on the business. Always find a way to reconnect with your partner outside of the side hustle. For instance, go on a date night or do something you enjoy as a couple.

Unique side hustles for couples

Thanks to apps and social media, it’s gotten easier to look for profitable opportunities. Discover the best side hustles for couples below.

1. Event planning and coordination service

Event planning may be right for you and your significant other if you enjoy throwing parties. It’s a great side hustle for those who have a keen eye for details and top-notch organizational skills.

Create a portfolio to get started. It could be pictures of events you’ve planned for family members and friends. In addition, start networking with caterers, photographers, DJs, bands, and other event professionals.

2. Manage other people's rental properties

Many people like passive income from rental properties but don’t want to deal with the daily management of tenant issues. That’s why property managers are in demand.

It involves finding and handling tenants for a rental property. You’ll do background checks on potential tenants. You’ll also collect rent and take care of issues such as clogged toilets, broken heaters, etc.

3. Become travel tour guides

Are you and your partner the kind of people who love to show off your city to visitors? Do you also enjoy meeting new people? Then you and your partner can be travel tour guides.

You could provide walking tours. Let your personality shine in crafting memorable experiences for guests. You can also join platforms like ToursByLocals to make it easier to attract clients.

4. Be an entertainment duo

For you talented couples out there, you have the option of becoming an entertainment duo as a side hustle.

There is money to be earned from providing live entertainment for parties and events. You won’t need a lot of capital to get started, and you can easily manage it from home.

Offer your services for special occasions such as birthdays, anniversaries, and weddings. You could also perform at social events like graduations, trade shows, conventions, and all other types of parties.

5. Become wellness coaches

There’s so much fitness and wellness content everywhere you look, especially on social media. But sometimes, people like an in-person and personal approach.

Whether you teach dancing, yoga, meditation, or offer personal training sessions at a gym, you’ll find clients who’ll want to partake. Find a fitness activity that you enjoy as a couple and maybe do group sessions with other couples.

6. Sell at farmer’s markets

If you or your partner is a baker, jam maker, or gardener, a farmer’s market is a great place to sell your products. You can also sell arts and crafts like charcuterie boards and artwork at these markets.

The cost to rent a space is low, so it doesn’t add much to your expenses. The best part is farmer’s markets introduce you to customers who appreciate and seek out local and artisan products.

7. Food/coffee truck business

Are you a great cook who dreams of opening a restaurant or cafe someday? Why not start with a food truck?

You’d have to research quite a bit to start a food truck. You’ll want to know what customers are looking for.

Next, look into what’s already out there to learn about your competition. Even though starting a food truck is less expensive than owning a restaurant, you still need substantial capital.

Since you’re serving food and beverage, you must get the necessary permits and adhere to regulations. But take heart, food trucks can be lucrative, and with the right preparation, you can grow yours into a successful business.

8. Rental side hustle

Nowadays, you can rent out almost anything with apps. You can rent out RVs or campers with RVshare.

Turo is an app you can use to rent out cars and trucks. You can also check out Fat Llama for other items that people look for.

These side hustles are easier with two people since you can alternate picking up or dropping off items when needed.

Also, cleaning cars and campers after each use is faster, which could make you more money during the busy season.

9. Photography business

There are many ways for couples to make extra income through photography. For instance, one can manage the booking and communicate with clients, while the other does the photoshoots, plus the editing and printing.

If one partner has an eye for makeup, costume, and wardrobe, you can also offer that along with the photo sessions. Furthermore, working as a team is better than doing it alone if you want to cover weddings or events.

10. Upcycle furniture

Ikea is nice and all, but customers also look for quality furniture without the hefty price tag. Furniture flipping is a great side hustle for couples who know their way around crafting and woodworking.

You can easily sell your refinished pieces of furniture on Facebook Marketplace or Craigslist. And if you offer delivery, customers will buy your items faster.

You can find items to upcycle at yard sales, flea markets, or estate sales. Typically, you may have to clean, repair, and repaint them to be ready to sell.  When flipping pieces of furniture, choose items that are made of solid wood.

11. Flip houses

Flipping houses is a side hustle that would need a lot of investment – not just with sweat equity but also financially. So, you may want to think hard before picking this one. Flipping houses entails looking for a house and estimating the cost of renovation.

Before buying the house, make sure you can sell it for profit. Then, you need to complete the renovation and stage the house to sell. It’s one of the side hustles for couples that can really pay off if you have experience in construction and design.

If you like the idea but want to take your time, you could also do a live-in flip. It means living in the home while you do the work, then selling it for profit once you’re done.

12. Airbnb hosting

There are two ways to get into Airbnb hosting with your significant other. The most popular method is to rent out a part of your home, like a basement, loft, or extra room. You can easily make extra monthly income this way by booking through Airbnb.

The other option is to buy another property to use as a rental, which would take more investment. But you won’t have to share your home, and you could make more money renting out an entire apartment or house.

13. Lawn care service

Starting a landscaping business with your partner is another way to have steady additional income. You can offer lawn care and gardening services such as mowing lawns, trimming plants, weeding, mulching, and planting.

Lawn maintenance is an excellent option as a side hustle for couples who enjoy working outside.

14. Pet sitting

You might also want to try dog walking and pet sitting, especially if you’re fond of furry creatures. It’s a side hustle that doesn’t need much capital to start.

You can use apps like Rover and Wag to find pet owners or advertise your services by posting flyers around your neighborhood. And with the two of you, you can care for more pets and double your profits.

15. Pet grooming

Do you love furry babies but want to do something else other than pet sit? Then, what about pet grooming? You would need a bit of capital to get started. If you have some space in your home, that will save you some rent.

You could also look into a pet grooming truck. Your customers could be busy pet owners who’d rather have you go to them and care for their pets on their premises.

16. Cleaning service

Some people find cleaning and organizing relaxing. Starting a cleaning service may be one of the most fun side hustles for couples who enjoy tidying up.

You need a reliable car to get to jobs. But aside from cleaning products and maybe a heavy-duty vacuum cleaner, you won’t need to shell out much money to get started.

Advertise your services through Facebook groups in your community. Or you can offer your services to restaurants, storefronts, and offices.

17. Reselling

Reselling is another fun side hustle for couples. It is perfect for partners who have the time and love for rummaging through garage sales and thrift stores.

Pick items that are either unique or popular. Then, take pictures and post them on Poshmark, Facebook Marketplace, and eBay for profit.

18. Provide childcare services

There’s a huge need for childcare services right now. One of the best side jobs for couples who enjoy spending time with kids is babysitting.

You could offer to look after kids in the evenings or weekends to allow parents to catch up with chores or errands.

Use local parent groups or schools to advertise your services. You can also create a profile on sites like Care.com and Sittercity to get clients. And with two of you, you can take in more kids and make more money.

19. Blogging

Do you or your partner know more about a particular topic than the regular person? Are you passionate about sharing your knowledge with the world?

Blogging is among the best side hustles for couples with writing skills and digital marketing chops. Even though 77% of people who use the internet read blogs, there are over 600 million blogs on the internet as well.

So, the competition is stiff. You’ll need to establish yourself as a trusted source to get enough followers before you become a profitable blogger.

20. Start an online shop

Starting an online shop is another great side hustle idea for couples. You can sell pretty much anything from t-shirts and collectibles to classes and workshops.

Etsy is a good place for crafty couples who make unique goods like gift items, decorations, and furniture. Shopify is another platform that lets you sell vintage items, digital products, and everything else.

21. Sell items on Amazon

You can sell on Amazon with little capital. A popular way to do this is to buy sale or clearance items online or at retail stores and resell them at a higher price.

Another option is to create products and sell them under your own label. Both can be profitable. In fact, third-party seller items account for more than 50% of all units sold on Amazon.

Since there’s still a lot of work involved with selling, it can be easier with two people to manage. That’s why this is one of the greatest side hustles for couples.

22. Create online courses

With the gig economy and freelancing blowing up, people want to learn new skills. That’s also why there’s an online course for just about anything.

Do you or your partner have any skills? Can you break it down and explain it so that people can understand and learn from you?

Great! You can create online courses and share your knowledge.

Don’t worry if you don’t have a website. You can use platforms like Kajabi and Teachable to develop your curriculum.

23. Become YouTube channel hosts

Do you have knowledge and skills to share, but you’re better at speaking than writing? Or maybe you’re just naturally entertaining?

Then, becoming YouTube channel hosts could be the perfect side hustle for you and your partner.

Just like blogging, growing a YouTube channel following takes time and effort. It requires a monetization strategy and consistency. But if you do it right, the income potential is unlimited.

Starting a YouTube channel could be a great side hustle for a couple because it makes the work behind the scenes less lonely.

Plus, your audience might like the interaction with two people in the videos instead of just one.

Earn additional income with our list of side hustles for couples!

A side job or business is a great way to pursue your passions and interests while earning money.

If we got you intrigued and excited about starting one, remember to also make a savings plan and learn to invest so your money can work for you!

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12 Key Tips For Staying Out Of Debt https://www.clevergirlfinance.com/staying-out-of-debt/ Wed, 25 Jan 2023 19:48:45 +0000 https://www.clevergirlfinance.com/?p=43170 […]

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Staying out of debt

It’s not a secret that staying out of debt affects our overall well-being. In fact, it would be ideal to not owe money and not have to make constant payments.

That said, the ability to borrow money helps many people achieve goals like buying a house, starting a business, or getting an education. However, it can also be a source of stress when it becomes overwhelming and unmanageable.

So, let’s talk about how to stay out of debt. We hope that you can leverage these tips to help you build a solid financial foundation!

Why staying out of debt is a good pursuit

Even though we accept debt as part of life, living with it is a major source of stress for many people. In fact, a recent Mind over Money survey from CNBC found that 45% of Americans are worried about how to manage their debts. 

The respondents also said that the strain of carrying debt affects their work, relationships, and physical well-being.

That said, let’s discuss a few benefits of staying out of debt.

You have less stress

Staying out of debt means you’re not constantly worried about money. You won’t have to work overtime or take on extra jobs to pay off debt.

You have time and energy to enjoy life. Furthermore, when you don't owe money, you can spend money without feeling guilty.

You keep more of your income

When you have debt, a percentage of your income goes into repaying it. It’s also expensive to carry a lot of debt because your paying for interest and fees.

If you learn how to stay out of debt, you keep more of your income. You have money to build an emergency fund, contribute to a retirement fund, or go on a dream vacation.

Your credit will improve

Not owing money improves your credit score because you’re showing that you can be responsible with your credit. A high credit score means you can get better interest rates and terms on loans you apply for.

In addition, good credit makes it easier to get approved for an apartment or find a better job. Because landlords and employers typically look at an applicant’s credit report to consider if they’re reliable and responsible.

How to stay out of debt

Research and studies say that staying out of debt is beneficial to your mental and physical well-being and financial health. But knowing is one thing, actually doing it is the hard thing.

So, here are some key steps you can take to help you to not owe money, live fully, and build wealth.

1. Know your income

The first step for staying out of debt is knowing how much you make. Tracking your income may be easier if you’re a salaried employee.

If you’re a business owner or a freelancer, you’d need to calculate your earnings per month. Make sure to add in income from other sources as well.

Benefits to tracking your income

Knowing the exact amount you bring in each month means you know how much you have to work with. It’s a great starting point to help you create a realistic budget for yourself.

Tracking your income also shows if you’re making enough to cover your expenses. It can be upsetting and discouraging to learn you spend more than you earn.

But knowing is half the battle. With this discovery, you can start looking for ways to increase your income to bridge the gap. Otherwise, it would be difficult to not owe money if you’re using credit to make ends meet.

2. Track your expenses

Now that you know how much you earn, the next thing to do is keep tabs on your spending. Tracking your expenses shows you what you spend your money on and how much you spend.

Make a list of all your fixed expenses like mortgage or rent, utilities, phone bills, and car notes. Then, check your credit card or debit card for expenses on groceries, subscriptions, clothes, etc., and calculate the total.

You can use old-fashioned pen and paper or use spending apps like Credit Karma's money management tool and YNAB.

When you understand where your money is going every month, you can take steps to cut back on some areas and put the money where you’d like it to go instead.

3. Create a budget

Staying out of debt takes more than tracking your income and spending. You have to be proactive, that’s why you need a budget.

Budgeting sounds scary for a lot of people because they think it means they can’t enjoy life anymore. But budgeting is planning where your money goes.

What budgeting really is and why it's great

You are in charge of your income. So, you have control of your money and avoid impulse spending.

Budgeting helps you be more intentional with where you spend. You decide what your priorities are and let your budget reflect that.

And there are plenty of ways to create a budget, whether you just hate budgeting or you don’t earn the same amount each month, there’s a style out there for you.

4. Build your emergency fund

An emergency fund is precisely what the name suggests, money in the bank that you can use in case of emergency. A Bankrate survey revealed that 1 in 4 Americans have no emergency savings at all.

Without an emergency fund, it will be difficult to not spend on credit cards. Because when things like job loss, illnesses, or a busted furnace happens, you’d have no choice but to rely on credit to remedy the situation.

If you haven't started an emergency fund yet, start with a few thousand in a separate savings account. Then, work your way up to saving at least 3 to 6 months’ worth of your basic necessities.

This means having enough to pay for food, housing, transportation, and essential utilities.

5. Plan your meals

Creating a meal plan is another tool you can use to not owe money. Essentially, you’ll plan for each meal of the day for a whole week or month.

The best thing is you don’t have to think about what to make for dinner every day. It also lowers the likelihood of ordering last-minute food delivery, which saves you money.

And grocery shopping is a breeze when you have a meal plan. Make a list of ingredients you need and do your best to only pick up items on the list. This helps you avoid impulse buying.

Staying Out Of Debt

6. Ask for a raise

Learning to ask for a raise is a skill set you need to brush up on whether you’re starting a new job or in the same position you’ve had for years.

Aside from the boost in self-esteem, negotiating your salary also ensures that you’re not leaving money on the table – hundreds of thousands of dollars of lifetime earnings.

Staying out of debt is easier when your take-home pay is higher. So, assess your duties and responsibilities at work, and ask for that overdue pay increase.

How to ask for a pay increase

First, research your industry’s salary trends. Then, build your case. Give the reasons why you deserve the raise.

For instance, you may discuss how your skills and experience benefit the company’s revenue.

Finally, make sure to practice your delivery before you schedule the meeting. If possible, ask a mentor or a trusted colleague to go over it with you. This will help you feel more ready and sure of yourself heading into the discussion.

7. Start a side-hustle

For many of us, staying out of debt requires earning more money. So, if spending less isn’t helping you, why not start a side hustle?

To start a side hustle, reflect on your passions, interests, and skills. Additionally, consider how much time you have and what resources you have to start.

For instance, if you have a car, you can make money delivering food and groceries or driving for Uber and Lift. Similarly, you can open an Etsy shop if you’re crafty.

8. Start a sinking fund

A sinking fund is money you intentionally save towards a big expense. It’s for spending outside of your monthly budget such as Christmas shopping or travel.

According to a study by Deloitte, Americans spend about $1,455 on holiday shopping.

A sinking fund is a good way to enjoy the holidays while staying out of debt. Because you’re better prepared for the expense, you can buy things without credit cards and without dipping into your other funds.

For instance, you can start a sinking fund for your holiday shopping this year. Say you want to save $1,455 by the end of the year, then you need to set aside $121.25 each month.

9. Opt for low credit card limits

While you work on self-discipline, opting for lower credit card limits can also help you not to owe as much. This is because it stops you from spending beyond what you can afford to pay outright.

A low limit also forces you to save up for large purchases rather than rely on your credit card to pay for them.

10. Save up for large purchases

Speaking of which, saving up for large purchases is another tool you can add to your arsenal for staying out of debt. Plan for expenses that are necessary but not immediate like travel, a new couch, or home renovation projects.

Set up a sinking fund for the purchase you’re saving for or use any saving method that works for you.

11. Use free amenities

To get out of debt and continue to not owe money, you need to be savvy in managing your hard-earned cash. This means taking advantage of free amenities like local libraries.

Instead of buying books or renting movies online, visit the library. Apps like Libby and Hoopla also make it easy to borrow books and movies from public libraries.

You can also check out what other free amenities you have in your area. Maybe you can cut down on your gym membership fees if you go to the community center instead.

12. Keep learning how to grow and manage your money

Many of us didn’t have access to good information about handling money growing up. That’s why money can be a difficult topic. If you’ve made mistakes in the past, give yourself grace and compassion.

Then, commit to learning how to grow and manage your finances. Make sure to invest time and effort in your personal growth and development. Read books, take courses, and stay in the Clever Girl Finance community.

Learning helps you to be more confident in making money decisions. You’ll discover the many ways to save, invest, or start a business. And it will definitely teach you how to not owe money.

Stay out of debt to live your best life!

In a world where we’re constantly engaged online, it’s tempting to say yes and effortlessly buy many things we don’t even need.

Start with being mindful of your spending habits and tracking your income. Commit to becoming intentional with every dollar you spend.

Remember small changes add up. Every step takes you closer to a debt-free life!

The post 12 Key Tips For Staying Out Of Debt appeared first on Clever Girl Finance.

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Epic Mom Hacks To Save Time, Money, And Your Sanity! https://www.clevergirlfinance.com/mom-hacks/ Thu, 12 Jan 2023 10:42:20 +0000 https://www.clevergirlfinance.com/?p=42061 […]

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Mom hacks

Sometimes you need all the mom hacks you can get, so we rounded up the most epic ones we could find. Because as much as motherhood is heartwarming and rewarding, it’s also hard sometimes.

You have schedules to manage and meals plus snacks and lunches to prepare, in addition to the other things you do each day. Whether you work in or out of the house, life hacks for moms help make hectic parts of your day a little bit easier.

Why do you need mom hacks?

The expression, “it takes a village to raise a child” is very true. But the village looks very different from what our moms and grandmas had.

Still, we do what we can and build communities like this one here at Clever Girl Finance! A trick or a word of encouragement passed from one mom to another can make a huge difference.

In addition, many life hacks for moms are genius ideas that help you get organized. There are also tips and guidance to help you save money and time.

Being more productive through these hacks isn’t a bad outcome either. Lastly, mom hacks are lifesavers, they’re necessary for your mental well-being. So, let’s get to it!

Mom hacks to save time

I wish I had some sort of magic wand to give you more time when you’re running late or make time go faster when the hours are just dragging.

Alas! I don’t have that power, so here are some great mom life hacks to help you save time instead.

Try some make-ahead breakfasts

For those early morning drop-offs, try making breakfast the night before. You can make homemade granola bars or overnight oats.

You can also put together frozen packs for smoothies. Throw in bananas, berries, spinach, and other fruits and veggies that can be easily blended in the morning for an on-the-go breakfast.

Double the recipe when you cook your favorite meals

Double the number of servings you make when you cook your favorite meals. This way you’ll have leftovers for lunches or freeze the rest for another day.

I usually do this when I make lasagna and pasta sauces. The same goes for cookie dough, you can double the recipe and store half for later use.

Make a task schedule for yourself

Create a schedule with chores, personal appointments, and family activities for yourself to contend with the chaos. This is one of the very best life hacks that help make your days less overwhelming.

For example, on your task schedule, you may put regular laundry on weekends while Mondays are for changing sheets. Then, cleaning the bathrooms is set for Thursdays, and meal prep is on Sunday afternoons.

Utilize the store pickup option

When you have kids, there’s no such thing as a quick stop at any type of store. Many retailers are offering store pickup options so take advantage!

Simply order your groceries and other purchases in the store app and schedule a pickup time. Then, you can pick up your order without the struggle of wrangling the kids.

Invest in kitchen gadgets to cut down on meal prep time

Whether you’re looking to cut down on meal prep time or cooking time, having the right tools can help you save time and energy in the kitchen.

Check out what an Instant Pot, an air fryer, a multi-use vegetable tool, a defrosting tray, and a salad spinner can do for you!

Mom hacks and useful kitchen gadgets that help you make healthy meals go together!

Toss your kid’s toys in the washing machine for easy cleaning

Your washing machine is not just for laundry and sheets. Your kid’s toys can go in there, too! Toss the toys in a mesh laundry bag and let the washing machine do its magic.

This is one of the most helpful hacks to do, especially after you’ve had people over. It’s best to clean your kid’s toys that other kids might have chewed or sneezed on.

Dry laundry quicker

Laundry is currently the bane of my existence. So much laundry! If you’re like me, you’d want to try this mom hack as well.

Add a fluffy dry towel with every load of laundry in the dryer to absorb moisture. Leave the towel in for at least 10 minutes to help the load dry more quickly.

Life hacks for moms to save money

Just like time, money is something we wish to have more of. So, here are a few hacks to have in your repertoire that’ll hopefully save you some money.

Make your own cleaning products

Many household items like baking soda, vinegar, and dishwashing detergent are great for cleaning. Why buy special cleaning products when you can make your own?

For example, do you know you can clean marble with dishwashing liquid and warm water? Shaving cream is also handy for removing hard water stains on chrome bathroom fixtures.

Just remember to read product labels first before mixing. Make sure to label bottles of DIY cleaners you mix, as well, so you know what’s in them.

Rubberband mom life hacks

Rubber bands come with your grocery store produce, or you can get them for cheap at a dollar store. And they have so many uses.

You can use them to baby-proof your cabinets, simply wrap them around the handles a few times. It works just as well as the fancy and expensive stuff.

It’s also an excellent way to portion control soap for your littles who like to use too much. Tie the rubber band to the neck of the soap bottle to reduce the amount of soap that comes out.

Lastly, a rubber band can help with those hard-to-open jars. Wrap it around the lid for more grip so the lid is easier to twist.

How to remove pen marks on cabinets

We just moved into our new place a few months ago. The first time my kid got ahold of a pen, guess what he did? Yup, he wrote all over the pristine, white kitchen cabinets.

Of course, I turned to the internet for the best hacks for removing pen marks on cabinets.

All that's needed is a little bit of warm water, a good amount of baking soda, and a lot of elbow grease. You have to leave the paste-like mixture for a few minutes as well. Then, wipe it off the cabinets with a damp cloth.

Bathe your baby in a basket

You can buy those fancy bath seats or save money by bathing your baby in a laundry basket. You can do this genius mom hack when your infant is able to sit up on their own. It helps keep your baby in one place and their bath toys stay close too.

DIY faucet extender

Recycle your shampoo bottles and make them into kid-friendly faucet extenders. It’s one of the easiest life hacks for moms who don’t want to buy a faucet extender for every sink. With this, you don’t need a step stool in every bathroom too.

Your kids will be able to reach the faucet to wash their hands, and you don’t have to hold them up. It helps keep water splashes to a minimum as well.

Powerful stain remover

Every mom needs a powerful stain remover in their arsenal. So here’s one of the best hacks for getting rid of stains. Mix together one part Dawn dish soap and two parts Hydrogen Peroxide.

Spray it on clothes, couches, or carpets to remove stains. But make sure to spot test just in case, especially for colored clothes and upholstery.

Mom hacks for your sanity

Life hacks can mean the difference between chaos and calm. I sincerely hope you can pick up a few tips to help you feel less stressed and more accomplished today.

Always bring an extra change of clothes

This is one of the new hacks that I had to learn the hard way. Always, and I mean always, have a bag with an extra change of clothes.

Put in some wipes and extra diapers too. Add a shirt for you and a towel, and leave the bag in the car. No matter what age your children are, this bag will come in handy.

Carry a small bag of kid activities with you

Kids are notorious for being bored, so it’s best to have a toy or two to keep them occupied. Bring a fidget, maybe a coloring book and some crayons, or whatever toys keep their interest the longest.

Cupcake liner mom hacks

Who knew cupcake liners have so many uses? Moms, that’s who! Stick cupcake liners under popsicles to hold the drips.

You can also use it to keep bugs out of cups when you’re outdoors. It’s useful if you want to separate food items in your kid’s lunch box as well. Lastly, line your vehicle’s cupholders with it for easy cleanup.

Use a lint roller to pick up Lego pieces

So simple, yet so helpful for keeping your home tidy. It’s one of the most fun life hacks I’ve come across, it makes having Legos in my house bearable.

Lint rollers to the rescue. You don’t have to be on your hands and knees picking up teeny, tiny Lego pieces.

Give your kids bubble baths and popsicles

Whenever you need a reset during the day, when the hours before bedtime are dragging, or your kids are fighting bath time, give them a popsicle and put your kids in a bubble bath. Let them have a fun bath and enjoy a little bit of calmness.

Put a shower cap on toddlers and let them play with food

Kids learn through sensory experiences, that’s why they play with their food. Research shows we should let them because it helps them safely explore new tastes and textures.

But if you don’t feel like washing your kid’s hair every time they have a meal, let them wear a shower cap. Hopefully, they’ll let you put it on and leave it on.

Use hot glue to seal the bottom of kid’s bath toys

There’s nothing worse than mold and mildew in your children’s toys. Since bath toys don’t have lots of time to fully dry before getting soaked again, they’re susceptible to mold.

To make sure water doesn’t get inside, seal the bottom of the toys. Then, it’s one less thing you have to worry about.

Use stickers to help kids put their shoes on

Help your independent kids put their shoes on with this amazing mom life hack. Simply cut a sticker in half and place it inside your child’s shoes. The sticker guides them on how to tell left from right and which shoe goes on which foot.

Let your babies play inside inflatable pools

Babies like to play on the floor which could get them stuck in places where they shouldn’t be. They could pick up small things to put in their mouths as well.

But you can still encourage your little ones to roam and play by letting them play inside inflatable pools. It’s padded and you pick what toys go in with them, so no choking hazards.

Have bins for outgrown clothes

Rather than throwing outgrown clothes back in your child’s closet to be purged later, keep empty bins in their room for this purpose. Diaper boxes work too! Write the clothing size if you’re storing it for your younger ones.

Add 2 layers of sheets to beds

You don’t want a fully awake child whom you’ll need to coax back to sleep in the middle of the night. That’s why you need this trick whenever your kids are sick or if you’re potty training. It’s also one of the most valuable new mom life hacks.

Make their beds with two layers of waterproof sheets and regular sheets. So, when accidents happen, you can just strip the first layer and they can keep sleeping without much fuss.

Rotate your kid’s toys

I know it sounds like extra work, but rotating your kid’s toys is one of the best life hacks. It will reduce your cleanup time when your kids only have a few toys to play with each time.

Just like us, kids get overwhelmed when there are so many choices. That's why it's recommended to go through their toys and switch them out every few weeks to keep their interest.

They also play with their toys longer when there’s less clutter. Consider experiences and non-toy gift ideas as well when buying your kids presents for birthdays and other special occasions.

Mom life hacks can change your life for the better!

Moms are just awesome all around, always ready to help and encourage each other. These are excellent life hacks for moms that any new mom or veteran mom can leverage alike.

Life hacks can really make a difference in how your day and week go!

And while we're on the subject, check out these other great hacks for making money and sticking to a budget, or even house hacking if you really want to save money!

The post Epic Mom Hacks To Save Time, Money, And Your Sanity! appeared first on Clever Girl Finance.

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20 Game Changing Life Hacks For Women On A Budget https://www.clevergirlfinance.com/life-hacks-for-women/ Thu, 15 Dec 2022 16:42:15 +0000 https://www.clevergirlfinance.com/?p=40645 […]

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Life hacks for women

Technology has advanced so much that we have washing machines, dishwashers, and supercomputers for phones. Yet somehow our modern lives still leave us barely able to catch our breath with our long to-do lists. That said, we've compiled a list of life hacks for women to help you save money, time, and effort in different aspects of your life.

So, let’s get to these game-changers that can help you simplify life!

Why try these fun life hacks for women?

Why are you on a personal finance website rather than watching Netflix? It’s probably because you have a goal of making your life a little bit easier. Or you’re dreaming of having the peace of mind that comes from having a solid financial foundation.

If you’re searching for ways to save money and time, go through this list of life hacks for women.

Try one or try them all! Maybe you’ll pick up tips and tricks to be more productive at home and work.

Money-saving beauty hacks for women

Makeup, hair, and beauty products are fun and they allow us to enhance our best features and express ourselves. But it can also be easy to get carried away and buy every cream and viral product you see online.

Whether you love playing with makeup or prefer to go au naturel, here are some beauty hacks for you.

1. DIY whenever possible

There’s no shortage of beauty DIY hacks online, that’s why I love the internet. For instance, Women’s Mag shared that you can make your own softening body scrub.

Simply mix a quarter-cup salt with a half-cup olive oil (or softened coconut oil) and mix it into a thick paste.

Of course, be careful where you get your information for these beauty hacks for women. And make sure you do a patch test to check for irritation before doing anything.

2. Set a budget for self-care expenses

If it’s important to you, budget for it. Yes, put the bi-weekly nails or lashes down. That cream you can’t live without should be in there too.

This way you’re not buying on impulse or spending more than you allocated on your budget. Being intentional about it also means you can enjoy your pampering. Plus you won’t feel guilty for spending money and time on yourself.

3. Sign up for loyalty programs

If you tend to shop for hair and beauty products in one store, sign up for loyalty programs. So, you can take advantage of members’ perks like free shipping, birthday gifts, and early access to sales.

Make sure you’re checking for rewards or discounts at the register before you pay as well.

4. Try product dupes

Many high-end and drugstore brand makeups are made by the same company. For example, Urban Decay, Yves Saint Laurent, and Lancôme are all housed under the L’Oréal Group.

We encourage quality over quantity any day. But looking for less expensive comparable products that deliver the same result is also one of the beauty hacks we like to share.

5. Check your store’s return policy

One of the absolute most useful life hacks for women I’ve come across is to always check a store’s return policy.

Sometimes beauty products don’t work the same for you as they did with your friend. Other times, items that look good at the store can also lose their appeal when you get home.

So, read the store’s return policy to make sure you don’t get stuck with a product you can’t use. Walmart, CVS, Rite Aid, Target, Sephora, Ulta, Macy’s, M·A·C Cosmetics, and Sally Beauty all accept returns.

Work and budgeting hacks for women

Are you looking to save some time and money, and be less tired? Well, here are some work hacks that could get you closer to having easier days.

6. Take advantage of 401k matching

If your company offers 401k matching, make sure you're taking advantage of that "free money."

Some employers offer an additional contribution to 401k plans as part of their compensation packages. Generally, your employer will match what you contribute up to a specific percentage of your income.

For instance, say you make $1,500 a week, and your company offers to match up to 5% of your salary. Then, they'd deposit up to $75 a week if you contribute that much.

7. Learn to say no

You wear multiple hats – a wife, a partner, a mom, a daughter, a friend, a business owner, an employee, and many more. Each role demands something from you.

That’s why learning to say no is one of the very most important life hacks. Save yourself some money, time, and energy.

Remember that you don't have to go to every office function or after-work drinks. Allow yourself to focus your attention and intention on things you want to do.

8. Automate your bill payments

Save money on late fees and automate your bill payments. You can arrange for your bank to pay your mortgage, utilities, or gym membership on a scheduled date.

You can also set up to pay through your credit card. For example, $60 is withdrawn every 15th of the month from your account to pay for your phone bill.

Just remember to review the payments every month to make sure the bills are paid with the right amounts.

9. Keep an emergency outfit in the office

You never know when you have to attend a function after work or a surprise meeting with the boss. If you can’t leave it at the office, store it in your car along with a bag of some essentials like pain meds, tampons, or pads.

Having all of these handy will save you time and money from having to buy a new blouse to look presentable for a meeting.

If you're a mom with younger kids, you know how many times you've left the house with milk, food, and other things stuck on your clothes.

10. Schedule rest

In this hustle culture we live in where busyness is a badge of honor, it’s very easy to keep going even when our bodies are begging for rest. There’s always something to do, or somewhere you need to go.

That’s why it’s more essential than ever to schedule rest. If you try just one tip from this list of life hacks for women, make sure it’s this one. Remember that rest is productive too.

Your health is your biggest asset. If you run your body to the ground to finish a project, only to get sick after, then you're also losing out on pay and other things. When you prioritize yourself, you're more productive and more consistent in showing up for work.

Life hacks for women in the kitchen

Groceries are one of the largest expenses in every household, especially with surging inflation. Additionally, we spend so much time in the kitchen making food. So, here are our most recommended home life hacks for women.

11. Prepare a weekly meal plan

The average American family throws out over $1,800 worth of food a year! What a waste, huh?

One great way to prevent food waste and save money is to prepare a weekly meal plan. While it sounds like a lot of extra work, doing this will actually save you time.

It’s a healthier option because you know what you’re eating every day. Not to mention, meal planning reduces the stress of last-minute scrambles of deciding what’s for dinner.

12. Check flyers for sales or cashback

Grocery stores have weekly sales that are advertised on their flyers. Check the flyers before you do your grocery list to see what you can stock up on.

Download the apps if you don’t get flyers delivered to your door. Flipp, Ibotta, Checkout 51, and Fetch Rewards are some of the best coupon apps for grocery store sales.

13. Meal prep

You’re probably thinking these kitchen hacks are just more things for you to do. But hear me out. Planning and preparing what you’re cooking for the week in advance saves you from ordering takeout or spending hours in the kitchen when you’ve had a long day and are not up for it.

Make meal prepping your activity one afternoon a week. So it’s part of the schedule and it won’t feel like another chore added to your day.

14. Learn how to keep produce fresh longer

To keep produce fresh longer, the first thing you need to do is know which fruits and vegetables you should – and shouldn’t - put in the fridge.

The Food Network says melons, onions, and garlic should not be stored in the fridge, among other items. On the other hand, asparagus, broccoli, and celery will last in the fridge.

In addition, some fruits and vegetables such as apples, bananas, and tomatoes produce a chemical called ethylene. This chemical speeds up the ripening process so store this produce separately.

For bananas, separate each fruit and cover the stems with plastic wrap to keep them fresh for longer.

15. Freeze fresh herbs

Herbs add flavor and aroma to our food, and you don’t need to put a lot in. If you bought more than you needed, don’t throw them out.

Chop them up, then, use an ice cube tray to freeze them. You can add water or oil for later use.

If you bought herbs and don’t need them for a few days, wash and dry them. Next, bundle them in a dry paper towel. Then, store the bundled herbs in a Ziploc bag or a container to keep them fresh.

Style hacks for women

Who doesn’t love great style hacks? Below are useful tips to save you money, effort, and time while looking your best.

16. Invest in classic pieces

This is one of the life hacks for women that you’ll hear over and over again – invest in basic pieces for your wardrobe. Keeping up with trends will only leave you with clothes you won’t wear because they’ve gone out of style.

You can still have fun and participate in trends. But pick clothes that you can incorporate into your wardrobe in other ways or limit what you buy to one or two trendy pieces.

17. Shop thrift stores

At least 70% of my wardrobe comes from consignment stores. It’s sustainable and environmentally friendly. Additionally, I can get designer and quality pieces for a fraction of the price.

It’s one of my top life hacks for women. So, go check out your local thrift stores, you’ll never know what you’re gonna find.

18. Take proper care of your clothes

A good way to save money on clothes is to take proper care of the ones you already own. For starters, sort your laundry and use the wash cycles appropriately as much as you can.

Likewise, fold your sweaters to keep their shape. Hanging pulls on their weight, which stretches your sweaters or leaves you with misshapen shoulders.

In addition, wash your pants, jeans, and clothes with graphics or bold colors inside out to prevent fading.

Lastly, lay off the fabric softener, especially for your workout clothes. Fabric softeners leave a film on synthetic fibers that lock in sweat and bacteria, which makes your clothes smell grubbier than before they went in the wash.

19. Keep your shoes looking new

Get more wear from your shoes by keeping them looking new. With leather shoes, trim down any scuff or worn leather with small scissors. Then, use shoe polish or leather paint to restore its color.

For fabric shoes like sneakers and running shoes, you’ll need warm water, mild laundry detergent, a toothbrush, and a washcloth.

If the shoe is particularly dirty, mix warm water and mild laundry detergent and use the toothbrush to scrub the stains.

Then, dip the washcloth into clean water, and use it to wipe away any remaining dirt and stain. You can also throw the shoes in the wash if they’re machine washable. Make sure to air dry in the sunlight if possible, but never machine dry.

20. Love your body

There’s always been so much pressure for women to look and be a certain way. It’s even more amplified with social media nowadays.

But chasing trends and hating on our bodies is not the way to happiness. Acceptance of the body you have now is the best accessory to every outfit you wear.

Give our creative life hacks for women a go!

We hope you try a few of these tips to help you save some time and money.

We want you to pick up a few life hacks to make your days easier so you remember to rest and be wise with finances.

To save even more money, try out 31 hacks for money making, and other ideas like house hacking and hacks for frugal living.

The post 20 Game Changing Life Hacks For Women On A Budget appeared first on Clever Girl Finance.

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How To Be Non-Judgmental https://www.clevergirlfinance.com/how-to-be-non-judgmental/ Tue, 22 Nov 2022 14:16:43 +0000 https://www.clevergirlfinance.com/?p=38806 […]

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How to be non-judgmental

How to be non-judgmental in a world where social media lets us in everybody’s business? It feels impossible. Seriously, it’s so much easier to criticize and ridicule others, and it even makes you feel good about yourself sometimes.

But if you can’t look in the mirror without judging yourself – your eyes zeroing in on the ear that sticks out or on your stomach - then, it’s not doing you any good, right?

So, let’s talk about how to be the opposite of judgmental.

Understanding judgments

It’s human nature to notice and be alert to what’s happening around you. That’s how our ancestors survived.

Our instincts – quick judgments of people and situations – keep us safe. Observing others around you is also a great way to learn. This is why a kid can watch their parents do something and copy it even without specific instructions.

Being mindful and interested in what others are doing and how they’re doing it also helps you grow and evolve. For instance, you use a person you admire as an example or inspiration to achieve a goal you set for yourself.

Judgments are also productive when we use them to call out harmful behaviors that can negatively impact the community.

Why we judge

When we strip all the layers, we find that judgments come out when we don’t feel safe. That’s why psychologists say that our judgments are either a deflection or a projection.

We judge to avoid feeling the emotions that our society deems as negative like disappointment, sadness, jealousy, envy, and anger.

It’s unfortunate that we were taught that having these emotions make us “bad” people instead of normalizing them as part of being human.

So, in our attempt to bury these uncomfortable feelings, they spill over as judgments.

Furthermore, the things we criticize about others are the things we hate about ourselves. This is because it’s easier to look at others and judge than sit with ourselves and accept that we do the very same thing that we dislike.

Benefits of being the opposite of judgmental

We understand that not all judgments are bad. However, most judgments are negative and that’s when it becomes harmful to our well-being.

It can be difficult to feel joy when your days are littered with negative things you think or say about others and yourself. So, what can you gain if you learn how to be non-judgmental?

Being non-judgmental makes you healthier

If you don't judge that means you’re not easily disturbed by what others say or do. In doing so, your nervous system doesn’t get activated constantly during the day.

When people feel strong emotions, such as frustration, anger, or anxiety, they experience physical and mental effects. For instance, anger releases cortisol and adrenaline into the bloodstream, which over time, can block the body’s ability to heal.

In addition, anger can cause headaches, high blood pressure, and exhaustion which can weaken a person’s immune system.

Being the opposite of judgmental enriches your life

When you’re non-judgmental, you take everybody at face value. You don’t make assumptions about them – you get to know them before passing judgments. And doing this benefits you too!

Learning how to be non-judgmental can help you have better relationships. How so? Well, it can be challenging to be in a relationship with someone who’s always critical of you, right?

But if you don't judge, then your friends and family know that they’re safe to be vulnerable with you. They can share intimate details of their mistakes and bad decisions without being ridiculed, which leads to deeper, closer relationships.

Furthermore, being the opposite of judgmental helps you be open to new experiences. It makes it easier to meet new people or visit a place you’ve never been to before.

Setting your judgments aside will let you immerse yourself in these new experiences. And by going in without any assumptions or expectations, you may find them more exciting and enjoyable.

Tips on how to be non-judgmental

Being judgmental is a habit that can be unlearned. Although it would take quite a bit of reflection and observation, you’ll be the first recipient of the rewards. So, there’s really nothing to lose and everything to gain in learning how to be non-judgmental.

Here are some ways to do this:

Understand where your judgment is coming from

Awareness is an important stage of learning how to be non-judgmental. So, when you catch yourself assuming something negative or mean about someone, examine it.

As discussed above, most of our judgments are things we hate about ourselves. Or we’re using them to block an unwanted emotion such as envy or disappointment.

Don’t judge yourself for saying it or thinking it. Instead, use your judgments to get to know yourself better.

I used to judge my friends and other people online who share perfectly staged photos as shallow and fake. When I explored why I feel this way, I realized it’s because I want to do the same.

My thought process went like this: “I’ll call you shallow and fake because I’m scared to do what you’re doing. I don’t really want to put myself out there and bear the criticism of anyone who’ll think the same of me.” It was all an attempt to protect myself.

Be honest with yourself

Unfortunately, making an effort not to judge requires a lot of honesty. It can be uncomfortable to meet the “angry, envious, or whiny” version of yourself.

But it’s a deeply fulfilling endeavor that could really transform your relationship with yourself and with others.

Work on self-acceptance

The journey of learning how to be non-judgmental begins with self-acceptance. Because, ultimately, you can only give to others what you give yourself.

It means you can’t fully accept other people as they are if you’re so critical of yourself. When you really think about it, where would the love and acceptance of others come from if you can’t give it to yourself first?

When you learn to accept and love yourself – as you are today, not when you are “the best version of yourself,” then, you open yourself to give and receive love on so many levels. That's when it becomes easier to be non-judgmental.

For many of us, this work can be difficult to achieve without professional help – aka therapy. But reading books is a great place to start.

I also suggest following the work of Dr. Nicole LePera. One of Dr. LePera's newer books, How to Do the Work, also includes practical practices on meditation and mindfulness.

In addition, some other excellent reads for self-reflection and acceptance are Oprah's The Wisdom of Sundays and More Than Enough by Elaine Welteroth.

Expand your circle

The work of exercising how to be non-judgmental is both internal and external. One good way to practice is to expand your circle. This includes trying to get to know people you don’t typically hang out with or those who have different beliefs than you.

If you’re an introvert who dislikes how loud others can be, this is an invitation to engage and befriend someone who’s the opposite of you.

Be curious about other people’s cultures, what they eat, and how they live, as well. You may find that you have more in common with someone who grew up in a different country or part of the world than you think.

Lead with empathy

Not judging means not labeling people as good or bad. And you don’t have to understand why someone lives the way they do to accept them as they are.

When you lead with empathy, you see people as humans capable of making mistakes and doing great things. You understand that we are all simply trying to do our best with what we have and what we know.

This is not to say that you should excuse bad behavior. Sometimes, other people’s best is just not good enough.

But when you practice being the opposite of judgmental, you’re not weighed down trying to figure out why people are how they are. You just accept it.

But you can still choose not to engage or be friends with someone who doesn’t treat you right.

Keep calm and be non-judgmental

Learning how to be non-judgmental forces us to reflect and get to know ourselves better. It also calls for us to open ourselves to new experiences as well as be curious about others.

Being non-judgmental is a constant practice of reminding ourselves that most people are doing the best they can. And they falter and fail as any human would.

Lastly, remember that in all these, the person who reaps most of the benefits is you. Remember to keep learning and be kind to yourself and others.

The post How To Be Non-Judgmental appeared first on Clever Girl Finance.

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6 Ideas For Saving Money In A Jar https://www.clevergirlfinance.com/saving-money-in-a-jar/ Tue, 01 Nov 2022 13:51:36 +0000 https://www.clevergirlfinance.com/?p=37708 […]

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Saving money in a jar

If saving were easy, then everyone would do it unprompted. But that’s not the case. Sometimes we have to make things fun and interesting to motivate ourselves, like saving money in a jar.

According to a Bankrate survey, only 4 in 10 Americans can cover a $1,000 emergency expense from savings.

Of course, there are other factors that affect our ability to save like wages not keeping up with inflation. But ultimately, we focus on what we can control to protect our financial health, and we can certainly find ways to make it fun.

So, let’s dive into some fun ideas for saving money in a jar.

Why use jars for saving money?

Why should you use this money savings jar method to save money? Here are some of the benefits.

You can watch your savings pile up

When comparing the effects of using cash versus credit and debit cards, a study found that people may spend up to 100% more when shopping with a credit card. This is because holding the money and actively giving it up to buy something makes people pause.

And most of the time, the pause holds us back from making an impulse buy.

Conversely, seeing cash accumulate in a money savings jar motivates people to keep saving.

It makes saving a habit

It’s also a fun way to save. The excitement of a new method can get people to save.

And the sense of accomplishment they get from seeing their money build up leads to the practice becoming a habit.

It helps people who don't save money naturally

Using jars for saving money is also a great starting point for people who aren’t natural savers (like me).

The most difficult part of saving is actually doing it, so a small start is a start no matter what.

What can you use the savings for?

Saving money in a jar can help fund a lot of things. Here are some suggestions.

An emergency fund

A savings jar is an excellent way for you to build an emergency fund if you don’t have one. An emergency fund is cash that you set aside so you have something to fall back on when “life happens.”

For instance, if your car breaks down or the furnace dies in the middle of winter, then you would have money to cover the costs.

Small household expenses

If you want to break the habit of reaching for your credit card, you can also use the cash to pay for small household expenses such as gas, cellphone bills, or bus passes.

Or you can use it for family fun expenses like dining out, coffee runs, or movie outings.

Keep cash on hand

Your money savings jar could also just be so you have cash on hand. Technology fails, and you may lose your bank card or forget your pin.

For moments like these, it’s good to have cold, hard cash.

Fun ways to use jars for saving money

You can save money by transferring funds from your checking account to your savings. But saving money in a jar is satisfying because you can touch and see your money accumulate.

Plus you can make it fun, too. Here are a few creative ways to use jars for saving money.

1. 52-week challenge

For the 52-week challenge, you save $1 for the first week, gradually increasing a dollar each week. At the end of the challenge, you would have saved $1,378. You can also start at higher weekly amounts if you want to save more.

Although if you’re new to saving or on a tight budget, starting with $1 is perfectly okay. Make it easier on yourself to keep going rather than getting discouraged midway and not saving.

So, get your jar ready. Pick a day to be savings day like payday so it’s easy to remember. Your favorite day or any other day works too.

2. Drop all your coins into your money savings jar

This is a good method if you use cash for most transactions or if you work in an environment where you get paid bills and coins.

All you need to do is turn in all your change every night or at the end of the week. No cheating!

3. Save for something specific

For this approach, think of something you’re saving up for. Are you wanting to get a new couch or go on vacation?

Decide how much you’d want to spend. Next, figure out a timeline for your savings goal. Then, calculate how much you need to put in your money savings jar weekly or monthly.

Your timeline might depend on when you want or need to buy the item you’re saving for as well.

Make sure your timeline is practical and achievable. Give yourself realistic goals that fit into your budget.

So, if you’re saving for higher ticket items, give yourself more time. Saving and paying for something in cash is better than giving up and buying it on credit.

4. Follow a savings challenge

Make saving money in a jar interesting with a savings challenge. There are many easy challenges you can follow.

What you do is simply save a set amount of money according to the rules of the particular challenge. It’s a way to remind you and keep you focused to accomplish your goal.

An example is the $5 challenge. The rule is: for the next 90 days, every time you get a $5 bill, you drop it in the jar. It’s fun and it gets you saving.

Another one you can try is the find extra money challenge. You might need to get creative to make extra money, but that’s the idea.

An easy way to get started is to gather all the spare change in your wallet, car, and around the house. You could also look around your home and sell items you don’t use anymore.

Maybe you can pick up extra shifts or work overtime to make more money as well. And all the proceeds go into the savings jar.

5. Save the same amount every week

For a simple approach to saving money in a jar, you could also set an amount that you can easily take out of your budget without feeling restricted.

Start with $5, $10, or maybe even $50 if you can swing it. Do it for the next three to six months. If you saved $10 every week for 6 months, you’d have saved $240.

So, now you were able to put money aside without feeling the pinch. With your cash, you could pad your emergency fund or start a sinking fund for fun things like a spa day.

6. Draw milestones on your money savings jar

This approach calls for you to set milestones when saving money in a jar. Make your jar as colorful as you like, be creative. If you’re like me and you can’t draw, you can just paint lines.

You can also use amounts as milestones. For instance, your first milestone could be $200.

Then, with every line, write down a corresponding reward for yourself when your savings get to that point. Pick small and inexpensive rewards that you can get excited about. These could be getting in the tub for a good soak, ice cream from your favorite place, or pizza for dinner.

The idea is to reward yourself at every milestone to keep you motivated and help you achieve your savings goal.

Types of jars for saving money

Now that you’re excited about using jars for saving money, the next step is to go look for a jar.

Use what you have

Since the goal is to save, we recommend reusing what you already have.

What you’re looking for is a large enough jar to keep your money safe. And use a container that you won’t need for anything else.

So, go grab that pickle jar from the recycle bin. Give it a good wash, and you’re all set.

Buy a savings jar

If you don’t have anything suitable at home, here are jars you can use to get started immediately.

Get these from Amazon:

  • Large coin bank jar: This is a plastic coin jar. It’s nothing fancy, but it gets the job done.
  • Glass piggy bank: This is a good size, nice-looking jar. The lid comes off easily, which makes it easy to take money out. It is glass though, so keep that in mind if you have young kids.
  • Piggy bank with coin counter: This jar has the coin counter feature to help you track your savings. The lid is also easy to take off so you can reuse it as many times as you like.

Achieve your money goals by saving money in a jar!

There is no specific way you have to save, but you can definitely make it exciting and interesting. If you struggle with saving, try saving money in a jar to keep you motivated.

Or simply change up your saving approach with the different methods we’ve listed here. You can build your savings and master your spending!

The post 6 Ideas For Saving Money In A Jar appeared first on Clever Girl Finance.

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The Best Christmas Eve Box Ideas For Toddlers And Kids! https://www.clevergirlfinance.com/christmas-eve-box-ideas/ Wed, 19 Oct 2022 10:24:00 +0000 https://www.clevergirlfinance.com/?p=13859 […]

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This article on Christmas eve box ideas contains affiliate links from Amazon. As an Amazon Associate, we earn from qualifying purchases which help us grow Clever Girl Finance! Please see our disclosures for more information.

Christmas eve box ideas

I’m so excited to do a Christmas Eve box for my toddler this year! He’s three, and he just learned who Santa is. I’m not quite sure he knows what Santa does, but I think a Christmas Eve box will be so much fun for him (more fun for me, but he’ll love it too).

That said, I'm excited to share these Christmas Eve box ideas.

It is, however, important to point out that 31 percent of Americans go into debt during the holiday season because of overspending and poor planning.

So, it’s not a bad idea to start planning your gifts early on. That way, you can be as generous as you’d like without blowing through your budget.

And if you have a toddler just learning about Christmas like me or if you’re looking to add new Christmas traditions for your family, you’ll love these Christmas Eve box ideas for kids. (By the way, we have some great positive affirmations for toddlers too!)

What is a Christmas Eve box?

A Christmas Eve box is a fun little box of assorted goodies you give to your children the day before Christmas.

So there are two ways to make your own Christmas Eve box. You may choose to make one small box for each member of your family, or you can put together one large box for the entire family.

The idea behind these boxes is to start Christmas Eve family traditions that the kids can look forward to year after year. And of course, we’d like to be mindful that the presents are something they can enjoy and use.

That’s why we recommend gifts that center around activities that the family can do together. Things like a Christmas movie, crafts, and games are good ideas.

A Christmas Eve box also makes the holidays even more magical and fun for the kids. It helps build the excitement for Christmas morning.

And it’s a nice surprise for kids of all ages who can’t wait to open presents.

Christmas Eve box ideas for toddlers

You can put anything in your Christmas Eve box. The options are endless, but here are a few really fun ideas.

1. Christmas pajamas

Toddlers are the best recipients of cute pajamas. That’s why Christmas-themed pajamas are the first thing on this list of Christmas Eve box ideas for toddlers.

Of course, any kind of soft and warm pajamas for winter will also do. But if it’s something you’re into, you can get matching Christmas PJs for the whole family!

2. Books

Books are great gifts for any occasion. They’re also a great addition to a Christmas Eve box for toddlers. You can put any age-appropriate Christmas book in the box.

But if you don’t have them yet, this is a great way to introduce Christmas classics like “The Nightmare Before Christmas” or “Rudolph the Red-Nosed Reindeer” to your toddler.

My kid is all about trucks right now. So, I think I’ll get him “The Little Blue Truck’s Christmas” this year.

3. Snacks

I can generally get my child to do anything if there are snacks involved. So, of course, snacks are a must for the Christmas Eve box for kids. You can probably fill it with just snacks, and your child will be thrilled.

It's an easy addition because you can shop your pantry. You can add your kid’s current favorite snacks as is or make up a snack bag. You can also use these decorated Ziploc bags for a little Christmas flair.

Some ideas for snacks are pretzels, cookies, mini marshmallows, and hot chocolate as sweet treats.

4. Small toys

Small toys also make great Christmas Eve box ideas for toddlers. Play-Doh is always an excellent choice. And these Melissa & Doug Pull-Back Vehicles are great choices for younger toddlers.

Here are more of our favorites:

5. Puzzles are fun and educational Christmas Eve box ideas

Puzzles are great Christmas Eve box ideas for toddlers and kids. Solving puzzles encourages cooperative play. It also helps develop fine motor skills and problem-solving abilities in kids of all ages.

You can also use puzzles to teach your kid colors, letters, animals, and more. You can get a starter puzzle like this Melissa & Doug Farm Animals Sounds Puzzle. There are many options for jigsaw puzzles as well.

6. Bath toys

My toddler used to love bath times, but he has since started fighting it. Sigh. So, aside from giving him plenty of notice to warm up to the idea, I also looked for ways to make bath time fun and engaging for him.

And I think these inexpensive bath toys make excellent Christmas Eve box ideas for toddlers:

I can’t promise it’ll work all the time. But try some of these fantastic bath toys to make bath time less stressful. Bonus point: your kid thinks it’s for them, but it’s actually more for you.

7. Stuffed animals

Stuffed animals make for awesome Christmas Eve box ideas for toddlers. Because for many, stuffed animals are more than just toys. A kid's favorite stuffed animal or lovey comforts them throughout all hours of the day.

If you’re picking out your child’s first stuffed animal, make sure there are no small pieces or choking hazards. Look for stuffed animals that have embroidered eyes and noses and not beads. You can also opt for one made from washable, natural fabrics like cotton or linen.

8. A letter from Santa

Out of all the Christmas Eve box ideas for toddlers in this list, I love this the most. What child would not be thrilled to receive a letter from Santa? I can already see my kid’s big toothy smile when he receives his.

I think it adds so much magic to the Christmas experience. You can write and print one at no cost. But if you're not creative, you can easily get free printable letters from Santa on the internet.

9. Christmas ornament

Christmas ornaments make great Christmas Eve box ideas – even for toddlers. It’s an excellent way to mark a milestone for sure. It's also easy to make.

You can even get your child to help for some quality time together.

If you’re looking for ideas, this Good Housekeeping article offers 78 ways to DIY Christmas ornaments. It also includes tutorials for simple sugar cookie ornaments.

Christmas Eve box ideas for kids

You can make your box as simple or elaborate as you’d like. But to help you stay on budget and not get overwhelmed, you can follow the four-gift rule.

That is, include something your child needs, something they want, something to read, and something to wear. Below are our favorite Christmas Eve box ideas for kids.

1. Winter pajamas

Pajamas will always be a great addition to your Christmas Eve box ideas. Because who wouldn’t want new pajamas?

If your kids don’t have strong preferences, you can get Christmas-themed pajamas. Otherwise, soft and warm pajamas in a color or character they prefer will surely bring a smile to their faces.

2. Books

As kids grow and experience the world, they pick up new habits and hobbies. But one way to foster the love of reading is to make sure they have access to books that interest them. That's why we always include books in our Christmas Eve box ideas for kids.

You can choose to include a book from your child’s Christmas wish list, or you can pick any age-appropriate book. You can also stay with a Christmas-themed book and make it a part of your tradition to read the night before.

3. Socks

Socks are also a fun thing to add to your Christmas Eve box ideas. Find some cozy socks for your kids to wear on Christmas Eve, and they’ll be smiling from ear to ear.

Of course, you can also keep the holiday theme and get festive designs.

4. Snacks

Again snacks are simple Christmas Eve box ideas for kids. They're easily accessible and won't cost you much. Because you can shop your pantry and include some snacks you already have.

But if you're feeling generous, you may pick out a special treat for the occasion.

5. Candy canes

Candy canes are another fun addition to your Christmas Eve box ideas. And you can’t have enough candy canes. They can be used in so many ways that add just a little bit more Christmas magic.

The kids can either snack on them or hang them in the Christmas tree as ornaments. You can also make hot chocolates and use the candy canes as stir sticks. So much fun!

6. A coupon book is one of our favorite Christmas Eve box ideas for kids

A coupon book is such a fantastic addition to your Christmas Eve box ideas for kids. I love the idea of a coupon book so much. I will for sure be making one when my kid is old enough to understand it.

Anyway, the idea is to give the kids a personalized coupon book they can use to cash in on fun experiences throughout the year. Here are some examples of what you can put in a coupon:

  • One family trip to the ice cream shop
  • 30 minutes of extra screen time
  • 30 minutes of staying up late
  • A movie night with the movie of their choice
  • Dinner of their choice

A coupon book is such a fantastic idea that you can do without spending money upfront.

It might cost you a few bucks to order fillable DIY coupon cards from Amazon. But you can also find free printable coupon books on the internet.

7. A letter from Santa

Keep the magic of Christmas going with a letter from Santa included in your kid’s Christmas Eve box.

For some kids, sending a letter to Santa is serious business. Imagine their reaction if they get a reply back!

With the Santa Mail program from USPS, kids can get a reply back from Santa. When you send your kid’s wish list, include the letter you want them to receive from Santa. And the USPS will mail you back the letter with a postmark from the North Pole, Alaska.

Make sure you send the letter within the recommended time (before December 8th), so they have time to process it. For the personalized letter, you can create one, or you can easily find free, printable templates online.

For a fun activity to prepare for Santa’s visit, you can put together a cookie decorating kit to add to your kid’s Christmas Eve box. You can bake the cookies in advance so you can get to decorating right away.

Ask the children to help you for some additional quality time together. Oh, it would be so exciting for the kids to set out cookies they’ve decorated themselves for Santa before they go to bed.

9. Reindeer food for Santa

Get your kids involved in welcoming Santa and his reindeers by adding reindeer food to your Christmas Eve box ideas.

To make the reindeer food: mix some oats and red and green sprinkles together. Next, put the mix in a decorated Ziploc bag and label it as reindeer food. The kids can then sprinkle it outside for Santa’s reindeer.

Start a new family tradition with these Christmas Eve box ideas!

Start your own holiday traditions with these fun Christmas Eve box ideas for toddlers and kids. And remember, you can make Christmas a magical time of the year for you and your family without breaking the bank.

Plan your spending to account for unexpected expenses and look for ways to save.

You can also set up a dedicated Christmas Club account to make saving and budgeting your gifts easier! Be sure to check our 12 days of Christmas gift ideas on a budget as well!

The post The Best Christmas Eve Box Ideas For Toddlers And Kids! appeared first on Clever Girl Finance.

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15 Practical Steps To Make Today A Good Day https://www.clevergirlfinance.com/make-today-a-good-day/ Sat, 15 Oct 2022 12:50:07 +0000 https://www.clevergirlfinance.com/?p=36440 […]

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Make today a good day

What if you can make today a good day? And every day after?

In this fast-paced, goal-oriented world we live in, many people wake up expecting to just get through the day. Having a good day is an afterthought that can wait for the weekend or after a project is done.

I don’t think that’s how we’re meant to spend this precious life we’ve been given. That said, let’s get started and find out how to make today a good day!

What would make today great?

We all have goals – things we want to achieve and have in this life. Goals like moving into a bigger house, getting a promotion, or being debt-free.

They’re all great and necessary to motivate us and give us purpose. But many of us spend our days tired and miserable in pursuit of our goals.

There is another way to achieve goals. And it doesn’t need a lot of effort. What would make today great for you?

A few minutes to enjoy your coffee before the chaos starts in the morning, wake up feeling refreshed, or get out the door on time? It’s all achievable and possible.

Check out some of the many ways you can make today a good day.

Steps to make it a great day in your finances

Americans are stressed by money issues to the point of it affecting their health. Instead of worrying about money, you can make today a good day by taking control of your finances.

Start with these few steps that only take minutes to do.

1. Create a budget

Make today a good day by getting your finances in order. And that starts with a budget. Although budgeting requires preparation, planning, and persistence, it doesn’t have to be restrictive and complicated.

Creating a budget and sticking to it, first and foremost, helps you see what you’re spending your money on. Budgeting can help you save money to pay off debt or build wealth through investing.

There are many budgeting methods you can try. Try them all until you find a system that works for you.

Give yourself a goal to help you stay motivated. If you aren't clear on where to begin, check out these budget challenges with our free courses for resources.

2. Meal plan

Getting started with meal planning is a great way to make today a great day. It will help you eat healthier while being intentional with your spending.

With a weekly meal plan, you can allocate a grocery budget and stay within it. When you know what you’re making for dinner, you won’t be scrambling at the end of the day. And this helps you avoid impulse food buys that can stretch your budget.

Plus, if you make your food at home, you’ll be in control of what you’re eating. So, it makes it easier to make choices that support your health goals.

3. Start an emergency fund

Life can surprise us at any moment. But what happens if it was an unpleasant surprise like your car breaking down or getting let go from your job? Do you have a rainy day fund to tide you over?

A recent Bankrate study revealed that only 41% of Americans would be able to cover a $1,000 emergency expense using savings.

What would make today great is for you to stack or start building your emergency fund. Having savings means you’ll have something to fall back on when unexpected expenses arise without taking on debt.

4. Learn how to start investing

Having savings is a good start to getting your finances in order. But investing is how you grow your money.

There are many ways to invest including participating in the stock market, buying real estate properties, or starting a business.

Either way, investing allows you to have your money work for you. Whether you’re buying stocks or real estate, growing your money involves a long-term strategy. That’s why it’s best to start investing as soon as possible to give your investments time to grow.

Make today a good day, and become an informed investor.

Ways to make today a good day with your relationships

Humans are social creatures. We are wired for connections and relationships. However, our responsibilities can take over our lives, and we forget how much we value our people.

But you can always do better today, start with these tips below.

5. Spend time with your loved ones

Research shows that spending time together with friends and family makes us happier than earning more money. And even better, it’s one of the best ways to create memorable experiences.

So, make it a great day and fill your happiness bucket. It doesn’t have to be fancy or expensive either.

Linger at the dinner table after the meal and tell new stories or recount old ones. Maybe break out a board game or go for a walk together.

6. Reach out to a friend

With all the responsibilities of family and work, it can be difficult to maintain adult friendships. But think about the last time someone reached out to check in on you. Didn’t it feel good?

Reach out to a friend and make today a good day for both of you. You don’t have to invite them to something or offer anything.

You could just say something like, “Hey, I saw something today that reminded me of you. I hope you’re doing well.”

It’s simple and unintrusive. Your friend doesn’t even have to reply if they’re busy.

7. Do something nice for someone

Multiple studies found that giving in practically any form benefits the giver as much as the recipient. Doing something nice for someone gives you a better sense of well-being.

Giving also makes you happier. So, any day you’re asking “what would make today great?” the answer is an act of kindness. And it doesn’t have to be grand.

It might be opening the door for someone or letting someone go before you at checkout. You could take over bath duty today from your spouse to give them extra time to relax.

Tips to make today a great day in your career

Another thing that gives us purpose is our work. For some, it’s just a means to earn money. But if you need to spend a huge chunk of your days at work, it would benefit you to cultivate a love for it.

So, why not make it a great day today with these tips?

8. Work on something meaningful to you

Sometimes our jobs aren’t always aligned with our passions and what we enjoy doing. Knowing we’d rather be doing something else can make us unmotivated and wane our enthusiasm for life.

But you can still follow your passion outside of your job, whether as a side hustle or a hobby. Make today a good day and try to find ways to share your talents with the world.

For instance, if you like designing jewelry, make one for yourself and then venture into selling some pieces. If you’re musical, you can volunteer at a senior’s home or teach people how to play musical instruments.

9. Do one thing at a time

Unfortunately, multitasking is a myth. No matter how much we like to believe we can do two things at once, our brains aren’t capable of it.

When you multitask, you’re actually switching between two tasks at lightning speed. And doing this uses up a lot of energy and brainpower.

What would make today great is to do yourself a favor. Do one thing at a time, you can be twice as productive and you won’t overtax your brain.

10. Learn a new skill

Aside from giving you a competitive advantage in the workplace, it can also be a way to challenge yourself. Plus, you might meet new people and have fun in the process.

Try something you’ve always wanted to do like learning a new language, public speaking, or speed reading. You can also try something not related to work such as baking or woodworking.

Ways to improve your health and make today a good day

Our health is our greatest asset. If we’re not healthy, we wouldn’t be able to enjoy all the success and money in the world. So, here are a few ways to take care of your health today.

11. Get outside

Even in your busy schedule try to find time to get outside. Instead of hunching over your desk, eat your lunch outside when the weather permits it.

Spending time outside improves our overall health. Its benefits include a stronger immune system, better sleep, and reduced stress.

Make today a good day and connect with nature. Go for a short walk outdoors, get some fresh air, and watch the sky. Maybe even do your exercises outside if possible.

12. Move your body

Exercise is another thing we should make time for. When you move your body, you build more muscle and increase your stamina.

Exercise also helps your body relax and boosts brain health. And it improves your body image even when you don’t lose weight.

Make sure to move your body today to reap all these benefits. Dance, stretch, or walk the longer route home. A small start is a start nonetheless.

13. Meditate

There are many ways to meditate, including journaling, guided meditation, tai chi, and yoga. Meditation is a term that encompasses all the ways to achieve a relaxed state of being.

All forms of meditation are great ways to clear your mind and calm you down.

For instance, when you’re worried about something, instead of being caught in the loop of thinking about the worst possible scenarios, write them down.

Journaling allows you to get your thoughts out and examine them objectively.

You can get started with guided meditation through free apps. And YouTube has many channels offering online yoga classes.

Steps to improve your mood and make every day a great day

Life can be hard and people can let us down. But ultimately, we’re in charge of ourselves. No matter what’s happening outside, you can choose how you feel.

You can choose to be angry and wallow in misery, or you find something to be grateful for and hold on to what truly matters.

14. Find something to be grateful for

Practicing gratitude is not just looking at the bright side or celebrating big wins. It’s a change of perspective that’s more intentional.

It’s being grateful for the air you breathe, the water as you take a drink, and the roof over your head.

You can practice gratitude by keeping up with a journal of things you’re grateful for and sharing good things that happen each day with someone. Making sure you thank people when they do something for you is another way to show gratitude.

15. Be present at each moment

Being present in the moment is much easier said than done. After all, there’s work and responsibilities to worry about. And the days seem to be all the same anyway.

But thinking about things you are supposed to be doing when spending time with your family and friends doesn’t get them done. All it does is make you miss sweet and joyful moments.

Make today a good day, be present and notice the little things.

Every new day is a gift; make it a great day!

However your day started today, you can still turn it around and have a great day. Whether you’re drowning in paperwork or laundry, having a great day is a choice you can make.

While you’re focused on achieving career or life goals, make sure you find some time to exercise, practice gratitude, and be present. And make every day a good day, so you can truly enjoy life!

The post 15 Practical Steps To Make Today A Good Day appeared first on Clever Girl Finance.

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20 Inexpensive Gifts For The Woman Who Has Everything! https://www.clevergirlfinance.com/inexpensive-gifts-for-the-woman-who-has-everything/ Sat, 17 Sep 2022 03:27:15 +0000 https://www.clevergirlfinance.com/?p=34846 […]

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This article on inexpensive gifts for the woman who has everything contains affiliate links from Amazon. As an Amazon Associate, we earn from qualifying purchases which help us grow Clever Girl Finance! Please see our disclosures for more information.

Inexpensive gifts for the woman who has everything

A list of inexpensive gifts for the woman who has everything? Yes, please! We all have someone in our lives who’s difficult to buy presents for.

Maybe it’s your sister, your mom, or your mother-in-law, we all know someone who doesn’t want anything.

In this article, we’ll give you a list of specific gifts to buy and a guideline on where to start your search. This way, you’ll have options whenever you’re looking for fun, inexpensive gifts for the woman who has everything.

Let’s dive in!

Gift ideas in every category for the woman who has everything!

Below is a list of practical but thoughtful gifts for women.

We recognize that inexpensive vs expensive is relative. And what's affordable for someone isn't budget-friendly to another. So, we divided the goods into four categories, namely, food, personalized items, experiences, and luxurious items.

With this list, you’ll have fun buying presents that fit your budget and impress the recipient. There are tons of ideas to consider on this list, for example, food, personalized items, experiences, or even luxurious versions of her favorite things!

1. Chocolates

Chocolate gifts for the woman who wants nothing

There’s a reason why chocolates are one of the most popular presents to give and receive. Chocolate is a luxury anyone can enjoy. Furthermore, it’s delicious, decadent, and versatile.

You can give this as a gift for a special occasion or “just because.” Chocolates also come in so many flavors, textures, and combinations. Plus, dark chocolate has amazing health benefits as well.

Whatever budget you’re working with, you can find fabulous chocolate treats as gifts for the woman who wants nothing.

2. Coffee

When giving consumables as gifts, it’s a good idea to find out what your recipient likes. But food gifts usually go over well because you know your recipient will at least try them out.

Because of this, coffee is an excellent choice as a gift for anyone who enjoys a cup of joe. Find out what your recipient drinks and get them that or be adventurous and get them some specialty coffee.

3. Gourmet tea

Gourmet tea gifts for the woman who wants nothing

Given the popularity of matcha nowadays, we figured gourmet teas would also make for perfect inexpensive gifts for the woman who has everything.

First of all, tea is a source of antioxidants, vitamins, minerals, and more. Second, there are so many varieties of tea with unique tastes and characteristics. So, you can be creative in your gift-giving and still stay within your budget.

4. Wine

Wine is another gift that’s welcome in all situations. It’s a perfect gift for casual dinner parties or special occasions. In addition, it's not difficult to find a suitable wine for every price point.

If you’re a bit lost in the wine department, you can simply ask the recipient what they drink to narrow down your options. Consequently, the knowledgeable staff at the wine store could help you, or you can check out lists of top wines.

Another option is to purchase some great wine accessories as your gift.

5. Travel mug

Travel mug gifts for the woman who wants nothing

Personalized travel mugs are the perfect present for everyone. Moms, especially those with young babes, will surely appreciate it. They’re a thoughtful gift for anyone who enjoys a hot drink.

With all the options available, you can be as creative as you want with initials, names, messages, and even photos. Certainly one of the best options for inexpensive gifts for the woman who has everything.

6. Water bottle

Similar to travel mugs, you can also get customized water bottles and tumblers. Seriously, check out the selection because the tumblers are so cute, and the designs are even better. You may even purchase an extra one for yourself!

7. Towels

Monogrammed towel gifts for the woman who wants nothing

Monogrammed towels make for an excellent gift for any occasion. Hand towels certainly add a touch of custom feel and elegance to a bathroom.

But you can also customize any towel you want, like bath towels, beach towels, and baby towel sets. I’m sure whoever receives a towel with their name, monogram, or family photo on it will be delighted.

8. Personalized leather keychain

Know someone who keeps losing their keys? Get them these personalized leather keychains. Aren’t they so cute?

You can get it stamped with the recipient’s name, initials, or any mix of 10 characters. It's a practical, affordable gift that hopefully helps the person keep their keys as well. Fingers crossed!

9. Blanket

Personalized blanket gifts for the woman who wants nothing

Beautiful personalized blankets are heartfelt gifts for family and friends. You can customize the blankets with pictures, names, special dates, and messages.

So, your present won’t only keep them warm and cozy, but it will also serve as a reminder of your love and appreciation.

10. Jewelry

A piece of personalized jewelry is a really nice gift for a young woman. It’s also a heartwarming gift for moms and grandmas.

If you need to include multiple names or initials, a better option is a necklace personalized with birthstones. This way, it’s easier to add the names and initials of several children and grandchildren.

11. Spa day

Spa day inexpensive gifts for the woman who has everything

A spa day is the ultimate pampering gift. Book a facial, body massage, body wrap, manicure, pedicure, or any treatment combination for your mom, mother-in-law, or anyone you want to pamper.

Salons are typically accommodating, so you can easily customize a package that works with your finances. And if you’re feeling generous, you could also send her a spa gift basket so she can recreate the experience at home.

12. Vineyard tour

A vineyard tour and wine tasting experience are perfect gifts for the woman who wants nothing. Book it for both of you and enjoy the stunning views of the grapevines.

They are very picturesque and relaxing. Tours usually come with lunch as well, so you can make a full day of it. To make the experience even more special, present the gift recipient with a wine tote bag.

13. Dance lessons

Give the gift of new experience and new skills with a dance lesson. It will not only help the recipient get active, but it’s also a great way for them to make new friends.

The gift of dance can be for anyone, whether they’re a beginner or an avid dancer.

Check out community centers and studios for adult classes and private lessons. And this gym bag with room for her dance shoes will definitely be appreciated.

14. Cooking lessons

Are you looking for an awesome gift for someone who loves to cook? Why not a cooking lesson to hone their skills? And a cool cooking set to help them get started?

You can enroll them in a live, interactive class. Or gift them an online class, and they don’t even have to leave the house!

There’s a wide variety of classes, so you’ll be sure to find something for your loved one, regardless of their skill level and favorite dishes to cook.

15. Tickets to a musical show or theater

Tickets make for fabulous, inexpensive gifts for the woman who has everything. Instead of items, you’re giving them quality time and an experience.

And it would be memorable for your recipient to see their favorite band perform or team play, either with you or another loved one. For extra comfort, add this portable seat cushion to your list for games or concerts that last for hours.

16. Staycation

A staycation is a less costly way to gift a new experience without the hassle of travel. With this, you can either gift them a stay in a nice hotel or recreate the experience of being somewhere new but at home!

For instance, if you want to do Italian vacation vibes, take them to explore European architecture in your area. Then, play Italian music, watch a movie or show based in Italy, eat Italian food, and have some wine for a full experience.

The gift of a staycation can be as simple or as elaborate as you can make it. But one thing’s for sure, it’s a gift to remember!

17. JournalJournal inexpensive gifts for the woman who has everything

In recent years, journaling is said to be a great way to cope with stress. Journals have become one of the best wellness tools. Hence, a journal is a thoughtful yet affordable gift for a family member, a friend, or a colleague.

18. Flowers

Flowers are perfect gifts for any occasion. You really can’t go wrong with flowers. It’s also a gift that fits any price range.

You can order arrangements for any occasion according to your expectations and within your budget.

Furthermore, flowers are unique gifts that complement other equally amazing presents like chocolates, scented candles, or wine.

19. Soap

Artisan soaps inexpensive gifts for the woman who has everything

Artisan soaps make for unique inexpensive gifts for the woman who has everything. They’re typically made from natural ingredients and come in pretty shapes with beautiful packaging.

It’s a gift that shows you put some thought and effort into it.

20. Candles

There are many reasons why candles make great gifts for the woman who wants nothing. Candles boost the vibe of a room. Plus, the container and packaging make them gorgeous decorations.

Their scents bring the smell of nature indoors and make a home feel festive. So, showcase your thoughtfulness and pick a loved one’s favorite scent.

Buying gifts for the woman who wants nothing can be easy!

Buying presents for the women in your life should be fun, instead of a daunting task. We hope this list gives you a whole array of ideas and options to choose from.

For big milestone celebrations or if you’re gifting as a group, you can also take a pick from each category and put together a gift basket. Easy, right?

Whatever gift you give, remember to check up on your money goals and make sure you're not spending more than you can afford. You can also start up a side hustle to earn extra money for your gift-giving budget category!

The post 20 Inexpensive Gifts For The Woman Who Has Everything! appeared first on Clever Girl Finance.

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Chanel Boy Bag Sizes 101 https://www.clevergirlfinance.com/chanel-boy-bag-sizes/ Mon, 22 Aug 2022 17:02:56 +0000 https://www.clevergirlfinance.com/?p=32939 […]

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This article on Chanel Boy Bag sizes contains affiliate links to Fashionphile, a brand we trust. If you make a purchase using this link we may earn a small commission. This helps us grow and keep our content free.

Chanel boy bag sizes

Whether you’re a Chanel handbag collector or you’re considering your first splurge, we have all the details on Chanel Boy bag sizes to help you choose your next purchase.

It’s not an exaggeration to say that Chanel as a brand is a titan in the fashion industry. The fact that it’s been around for more than a century is proof of its staying power and impact.

And much like the Hermes Birkin and Lady Dior bag, Chanel’s Boy bag is an iconic piece coveted by anyone who appreciates luxury. So, here’s all the things you need to know, including where to find it.

History of the Boy bag

The Boy bag was first introduced in Chanel’s Fall/Winter collection in 2011. The coveted design is influenced by a hunting cartridge bag that Coco used to use. Which explains why the bag has a utilitarian style and straight lines.

It comes with a flap that folds over the entire front of the bag, which Chanel uses to create new designs every season. All Boy bag sizes also come with wider chains that are darker in color– a more vintage look than that of other classic Chanel handbag styles.

With the Boy bag’s more structured and boxy design, it presents as a more modernized version of the Classic flap. The Classic flap refers to the 2.55 (or 255) flap bag introduced by Coco Chanel in 1955.

Legendary designer Karl Lagerfeld said the Boy bag is an homage to Coco’s boyish attitude and radical spirit. That’s also why he named it after Arthur Edward “Boy” Capel, the brand founder’s greatest love.

Even though the design is fairly new, it has positioned itself to become a true classic for the brand. Whether you opt for the Chanel Boy bag large or prefer the smaller sizes, they are the perfect blend of daring and chic.

Introducing the Chanel Boy bag sizes

Aside from the mouth-watering colors, bag lovers and budding fashionistas alike are drawn to the Boy bag for its functionality and versatility.

You have the option to wear it over the shoulder or crossbody. It’s also an excellent accessory if you’re going to a formal event or just want to elevate your streetwear.

The Chanel Boy bag sizes typically feature calfskin and lambskin. But Chanel has introduced many variations over the years, and you may come across many materials. In fact, Chanel produces tweed and velvet Boy bags now and then.

Just like in materials, the Boy bag also comes in all shades and colors, especially if you expand your search to the resale market. Boy bags in classic black leather have become a staple every season and you can also buy brand new if it’s what you’re looking for.

That said, here are the different Chanel Boy bag sizes you can choose from.

Chanel Boy bag small size

Chanel Boy bag small size

Chanel boy bag small size - Image source: Fashionphile.com
 

The Chanel Boy bag small size typically measures 8 inches across, 4.7 inches tall, and 2.8 inches deep. There may be some variations in the measurement depending on the season and style.

But it is just the right size to carry the essentials for nights out and special events like a wedding. It may not be enough room for those wanting a spacious daytime bag.

Either way, the Chanel Boy bag small size is perfect if you’re a necessities-only type of gal. You can fit your phone, some cash, keys, a compact powder, and maybe a small hand sanitizer if you arrange them nicely.

Since the Chanel Boy small is a rather petite bag, you can wear it hanging on the shoulder or as a crossbody. Both ways show off the purse beautifully, and it allows you to go hands-free.

Chanel Boy bag medium size

Chanel Boy bag medium size

Chanel boy bag medium size - Image source: Fashionphile.com
 

The Chanel Boy bag medium size offers the best of both worlds in room, style, and comfort. It’s spacious enough to carry more than essentials but not too bulky and heavy. That’s why it is the most popular choice among the Boy bag family.

Another reason the Chanel Boy bags are coveted by fashionistas is that they can be worn multiple ways. You can wear the medium as a crossbody bag or wear it on the shoulder.

The straps on all the Chanel Boy bag sizes have a leather piece that makes them comfortable to wear for longer times. It's also adjustable for different lengths, so you can double the chain and wear the bag under your arm.

The medium Boy bag can also fit a lot more than your necessities. And there's a zipper pocket to keep some cash, credit cards, and receipts while you're out and about.

What’s the difference between the old and new Chanel Boy bag medium size?

Old vs new Chanel Boy bag medium sizeImage source: Andrea Tran YouTube Channel

 

So, there are two versions of the Chanel Boy bag medium size. The old medium, as handbag pros aptly named it, was slightly smaller than the new one. It measures 5.7 inches by 9.8 inches by 3.5 inches.

On the other hand, the new medium size that came out in 2014 features more space and two interior pockets. Its dimensions increased to 7.1 inches (width), 11 inches (height), and 3.5 inches (depth).

Chanel Boy bag large size

Chanel Boy bag large

Chanel boy bag large size - Image source: Fashionphile.com
 

The Chanel Boy bag large is super spacious and great for everyday use. It also makes for a stylish travel purse. With dimensions of 11.8 inches long, 8.3 inches tall, and 4 inches deep, it’s like a tote bag with chains.

If you're using it for travel, it can easily carry your essentials like your phone, keys, and a lip balm. You can also fit a passport or a passport holder and maybe a journal, an e-reader, or a small book.

The Chanel Boy bag large size is the one for you if you're looking for a great travel purse that you can also use for those days when you want to bring your whole house with you.

Where to buy your favorite Chanel Boy bag sizes?

Aside from style and size, price is another deciding factor when looking for a place to buy your Chanel Boy bag. Unlike Louis Vuitton and Dior, Chanel does not sell their products online. To buy an item, you have to make the trip to the boutique or call the store directly.

So, if you’re looking to snag the newest design and enjoy the experience, buying your new luxury handbag in a Chanel boutique would be the way to go. You can also try high-end stores like Neiman Marcus and Bergdorf Goodman.

Love the style, but don’t want to pay full price? Go the preloved route. But be sure you are buying from a reputable reseller.

Websites like Fashionphile, Sotheby's, and The Real Real offer a wide range of Chanel bag sizes and styles. You may even luck out and get your hands on a limited edition handbag!

Another option is to rent the designer bag if you’re not ready to commit. Take each Chanel Boy bag medium size and other versions for a spin. It’s a great way to test which one suits your lifestyle the best.

How to afford luxury purchases without going into debt?

Luxury purchases are often referred to as investment bags. But no matter how cute the latest Chanel Boy bag small size in lambskin leather is, charging it to your credit card might not be the best idea.

Here are a few ways you can save up for your next designer buy. So, you can spend guilt-free without going into debt.

Set up a sinking fund

A sinking fund is money you intentionally set aside each month toward a big expense. So, what you do is set up a sinking fund in a high-yield savings account.

For instance, say you deposit $150 a month, you’ll have $1,800 by the end of the year. You can use the account to save for a specific item like the Chanel Boy bag large edition or until you have enough money to buy something.

Save faster with short-term investing

To save for big-ticket items that cost thousands of dollars, like a Chanel Boy bag small, you could also grow your money by putting it into short-term investments.

Choose investments that offer relatively secure but smaller gains, such as treasury bills and treasury bonds. You earn full interest if you hold the bonds until maturity, but you also have the option to sell them early if you need money sooner.

You can also put your money into money market funds to save money for your luxury purchases.

Join a savings challenge

Want to save for your Chanel luxury handbag while improving your self-discipline and learning saving methods that work? Take part in our savings challenges!

It's an awesome way to stay motivated, and the course has everything you need to track how you're doing week to week. It's such a fun way to learn and save.

Which of the Chanel Boy bag sizes caught your eye?

For each of the Chanel Boy bag sizes, the options of colors and designs are endless. No matter which size you choose, the design is truly versatile and easy to style. It will for sure be a great addition to your wardrobe.

If you love Chanel handbags, then you'll love our article about timeless fashion pieces that can help you step up your style game!

The post Chanel Boy Bag Sizes 101 appeared first on Clever Girl Finance.

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How To Get Paid To Read Books And More! https://www.clevergirlfinance.com/get-paid-to-read/ Sun, 21 Aug 2022 11:53:43 +0000 https://www.clevergirlfinance.com/?p=33181 […]

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Get paid to read books

Have you ever thought about if you can get paid to read? If you said yes, then keep reading! We’ll discuss how you can earn money by reading books. And if you have a good speaking voice, you can also get paid to read books aloud!

This digital world we are all part of can be amazing. There are so many opportunities to earn money, you just have to know what you’re looking for and where to look. Which we’ll cover in this article, let’s go!

How can you get paid to read books?

In case you are still wondering, yes you can earn money by reading books. Here are several ways to do just this.

Read books for money by writing a review

Why would someone pay for a book review? Because book reviews are a great way for authors to market books. So, publishers and websites will pay to have them instead of waiting for reviews to come in.

Check out the section below for websites that pay you to read books for reviews to get a sense of the pay and how to apply.

Earn money by reading books aloud

So, you can earn money by reading books aloud. Audiobooks are not new, but they’re becoming popular.

It’s because it’s now easier to access them through apps. Unlike before, when people had to buy stacks of CDs to listen to a book.

Look through our list of places where you can get paid to read books aloud. Arm yourself with a good microphone, headphones, and an audio recording program such as Audacity. And you're good to go!

Proofread books for extra cash

Meanwhile, self-publishing is on the rise because the internet has made it cheap and easy to create books. Furthermore, Amazon has made it affordable and easy to distribute books. These have in turn created many opportunities for freelancers to earn money by reading books, which includes proofreading.

Proofreading books for authors can be a great way to make money. Proofreading focuses on correcting inconsistencies and errors in grammar, spelling, and punctuation especially when read aloud. So, if you notice details and enjoy reading, you can make extra cash as a proofreader.

Get paid to read and edit books

Editing is more involved than proofreading. Editors are responsible for checking books for content plus grammar, spelling, and punctuation. They ensure that the final draft is readable, has a solid story, and flows smoothly.

Editing books may not be something you can just pick up and start doing. But if you are looking for a career change or a way to earn money by reading books, editing pays well.

Websites that pay you to read books for reviews

Publishers and book distributors are always looking for book reviewers. And you can apply whether you’re a beginner or have experience writing.

You’ll find that many cater to all genres as well. Websites want reviewers for nonfiction, fiction, classics, indie books, and everything in between.

Although the pay for writing book reviews may not let you quit your full-time job, it’s still a great way to make extra money. So, here’s our list of websites that pay you to read books for reviews.

1. Kirkus Media

Virginia Kirkus started Kirkus Media in 1933 to provide unbiased pre-publication reviews for book buyers. To this day, that is the purpose of Kirkus Reviews magazine.

Next time you pick up a book, pay attention to the cover, it might include a blurb from Kirkus. Other websites like Amazon also use the magazine for reviews as well.

Kirkus accept English and Spanish language book reviewers. And they accept reviews for all types of genres.

To apply, you need to send them your resume and some writing samples. Once accepted, they assign you a book to read. Then, you have two weeks to submit a 350-word review.

2. Reedsy Discovery

Reedsy helps authors craft and publish indie books, so it's great for readers that think outside the box. Submit an application form if this is something that interests you.

With Reedsy, you can also build a reputation as an excellent reviewer, which opens up more opportunities for you to read books for money! Because you are free to connect with authors who want to work with you specifically.

3. Online Book Club

The Online Book Club is a free online community that includes features and tools for book lovers. Their Bookshelves app lets readers store, track, and share lists of books.

In addition, members can go to the reading forums to discuss any book with other people who read the same book.

Most payouts on the Online Book Club range from $5 - $60 per book review.

As a website that caters to readers, they’re transparent with the pay and the process. They don’t expect you to only submit positive reviews. But they want you to give an honest, quick insight.

4. Upwork

Upwork is a freelancing platform where you can look for jobs for you to read books for money. You can search the website for listings on completing book reviews, editing, and proofreading.

The website is a one-stop freelance shop where you can get paid to read emails or read books aloud. Note that the pay varies depending on the job, your experience, and your client.

5. Instaread

Instaread is a subscription-based service that offers a thorough overview of books in 15-minute audio or texts to readers. They provide key insights and takeaways from bestselling and classic books to make reading fast and easy.

In this regard, Instaread pays for book summaries instead of book reviews. You’ll need to write around 1,000 to 1,500 words. But they do pay $100 per summary.

Take a look at this style guide for what they’re looking for, and check back on their website for open calls.

6. Booklist Online

The American Library Association has published Booklist as a book-review magazine for more than 100 years. It offers reviews to help libraries decide what to buy and help library users know what's worth it to read, view, or listen to.

Booklist Online is the web version of the Booklist print magazine. Its audience includes librarians, booksellers, and educators. So, if you love to read, this is a great way to earn money by reading books, and you’re helping out students and educators too!

They need reviews of around 150 to 175 words, for which they pay $15 per review. Make sure to check out their website for samples of reviews and to familiarize yourself with their requirements.

7. US Review of Books

The U.S. Review of Books aims to provide reviews to give every book and author equal and fair consideration. They also promote the books to their subscribers and on social media for added visibility.

They’re looking for 250 to 300 word reviews that are straightforward and based on facts.

Go over their requirements and examples of reviews they accept to see if it’s a fit for you.

8.  getAbstract

getAbstract provides access to summarized expert knowledge to its subscribers. And to do that, they need people to provide professional summaries of non-fiction books. So, getAbstract may be a great match for you if you love reading non-fiction books.

If you like this idea, fill out their application form and give it a go. What a way to get paid to read articles and books you’re going to read anyway, right?

Where to get paid to read books aloud

Since audiobooks have become easier to access through apps, this market is booming. Publishers, authors, and book distributors alike are paying to have books narrated.

If you’re more of a speaker than someone who likes to write, you’ll like these websites that pay you to read books aloud.

1. Audiobook Creative Exchange of Amazon

The Audiobook Creative Exchange of Amazon (ACX) is a platform that offers many opportunities for you to earn money by reading books. ACX produces audiobooks for Audible, Amazon, and iTunes.

Check out the step-by-step guideline on how to start your audiobook career. Create a profile and select a book to narrate for your audition.

If you pass the audition, the author will contact you with an offer, delivery dates, and payment terms. You have two choices for payment: collect an hourly rate or a 50% royalty share. You can also pick both options if you’re unsure.

2. Findaway Voices

Similar to ACX, Findaway Voices is an audiobook creation platform. The only difference is they cater mainly to authors. Authors use the Marketplace to find professional voice actors and narrators for audiobooks.

To become a narrator for Findaway Voices, simply create a profile page in the Marketplace. Make sure to include an audio intro, samples, filter tags, a background image, and a personalized URL.

All of which will give you a competitive edge and help to present you as a professional.

3. Voices

Voices is another freelancing platform that connects brands with professionals who can bring projects to life. Browse through the Marketplace, and you’ll find jobs for voice-over, music, audio production, and translation.

You can start working on Voices by creating a profile and uploading samples of your work. The platform has three tiers of membership.

The free tier lets clients find you through your profile. But you need a Premium or Platinum membership to be able to audition for available jobs.

Other options where you can get paid to read

If completing book reviews or becoming a voice artist isn’t your cup of tea, read on. We have more side hustle ideas on how to get paid to read.

Get paid to read emails as a virtual assistant

As a virtual assistant, you can get paid to read emails.  Entrepreneurship has been a growing trend for the past decade in the United States alone. In fact, there were almost 5.4 million new business registrations recently.

Behind every business is an entrepreneur who needs help managing phone calls, scheduling meetings, and answering emails. So, it’s the virtual assistant’s job to take care of these tasks and keep things running smoothly.

Visit sites like Upwork, Fiverr, and People Per Hour to browse the jobs. Check out what qualifications your prospective clients are looking for and how much each job pays.

Work in editing and get paid to read news

The 24-hour news cycle is probably not a good thing for us doom scrollers. But it offers a way to get paid to read news. Make money proofreading and editing news articles for bloggers and journalists.

If you have any experience, you can start advertising your services. You can also ask your friends and family if they know anyone who can give you your first job. Otherwise, freelancing platforms like Upwork and People Per Hour are good places to start.

Get paid to read articles for people

If you're not keen on reading the news, you can get paid to read articles as a proofreader or editor. You can proofread for any business that publishes blog posts or newsletters.

For instance, you can work as a freelancer and offer your services to marketing agencies, businesses, and bloggers.

In these positions, it helps to be proficient in more than one type of copy or topic. You may need to pick up new skills before you start looking for jobs as well.

Becoming a proofreader or editor isn't easy. But with a little preparation time and planning, you can set yourself up for a great way to make extra money.

You can make extra cash by reading!

The online world is full of possibilities to pursue your passion and make money. Isn't it awesome to be able to use the skills you already have while doing what you love?

We’ve shown you that you can earn money by reading books. In addition, you can also get paid to read emails and get paid to read books aloud.

And if you're going to be reading anyway, expand your financial knowledge by checking out the 14 best books about money mindset.

In addition, when you start earning cash from this side hustle, create awesome financial goals using our free course, and make a money plan that works.

The post How To Get Paid To Read Books And More! appeared first on Clever Girl Finance.

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9 Best Luxury Handbag Blogs For Reviews, Research, And More! https://www.clevergirlfinance.com/handbag-blogs/ Tue, 02 Aug 2022 12:41:58 +0000 https://www.clevergirlfinance.com/?p=31995 […]

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Handbag blogs
Image source: andersphoto - stock.adobe.com

We know you want it, so we’ve compiled the best luxury handbag blogs for you! You’ll find one on this list you can relate to whether you’re looking for inspiration or just wanting to know what’s on trend. If you’re interested in luxury bags as an art form or wondering about the latest bag news, there’s a bag blog for you, too.

Why visit handbag blogs?

When it comes to high-end handbags and fashion in general, you’ll find many many publications around the world covering them. But personally, I like the intimacy of handbag blogs. It feels good to get a person’s opinion and personal thoughts without the expectation of buying.

Also, they’re more accessible and interactive. Handbag blogs are also a good resource for the following:

The ability to research before buying by reading handbag blogs

The experience and opinions you’ll find in handbag blogs are invaluable. And they're applicable whether you're hoping to score a Hermès Birkin, a Lady Dior, or are wondering if you need to insure your bag collection.

And the purse blogs we included in this list come with a lot of personalities. So, you’ll be entertained and regaled while reading about their personal stories and comprehensive bag reviews.

Be the first to know about trends with handbag blogs

If you like to know what's going on in the world of luxury handbags, trust that purse blogs won't let you down. You'll get the scoop on who's collaborating with whom or what brand is releasing new items.

In addition, they're a great place to go if you're looking for inspiration on how to put things together in interesting ways.

Pricing is easier to find using handbag blogs

Although it's becoming a practice of the past because of online shopping, some high-end brands still don't have prices for their products on their websites.

But don't worry, you can check out current prices and incoming price changes for brands from your trusty purse blogs.

Quality reviews from handbag blogs can make a difference

One of my favorite things to read up on from bag bloggers is their opinions on the quality of the purses, which you wouldn't typically get from the brand's website.

You'll get the deets on how to store and take care of your bag, what material it's made of, and how it withstands wear and tear. And since you'll be spending hundreds or thousands of dollars on one bag, it's good to do a bit of research, right?

Now let's begin with this list of 11 best luxury handbag blogs!

1. PurseBop

The first stop on our tour of luxury handbag blogs is PurseBop. Its founder, Monika, describes the site as a fun, whimsical home for passionate handbag aficionados. PurseBop certainly takes you to a delightful and, at times, fantastical world of handbags.

The site is a premier online destination for information on designers, fashion news, and the latest trends. I also love that the website is easy to navigate and uncluttered.

Additionally, you can also sign up for BopTalk. It’s a PurseBop-hosted community where you can share tips, news, gossip, and everything in between.

2. PurseBlog

PurseBlog is undoubtedly one of the most popular handbag blogs for news, sneak peeks of releases, and information on designer purses and accessories. The site is clean and features mouth-watering photos that make you wish you can afford to buy them all.

I also appreciate that the blog posts are presented in a clear, approachable way, so it feels like you’re talking to a friend.

If you’re looking to connect with fellow bag lovers, you’ll also like PurseForum. It’s a place where you can go to share everything from shopping intel to leather cleaning tips.

PurseForum also hosts detailed discussions about everything from the availability of exotic Hermès Birkins and Kellys, to the latest episode of their members’ favorite reality shows.

3. Bags of Luxury

Bags of luxury is all about Hermes, baby! The website features a whole library of Hermes Bag Guides. It has everything from bag buying checklists, and how to care for your bag to buying Hermes bags as an investment.

It’s one of the best purse blogs to check out if you’re interested in buying a Hermès. You’re also welcome to the blog if you just want to salivate on really pretty handbags.

4. Handbagholic

Handbagholic is a treasure trove of information on the latest designer bag news, price changes, and bag comparisons. You’ll also find useful tips and advice on things like how to return a Louis Vuitton purse or if you can finance a Chanel bag.

5. Spotted Fashion

Spotted Fashion is one of the purse blogs that impressed me. The website offers curated information about the current collections, styles, and prices of high-end handbags, so it’s easy for readers to learn about the particular pieces they want to buy.

Spotted Fashion is the bag blog for you if you’re looking for a place to find out about brands like Chanel, Celine, Louis Vuitton, Hermès, and more.

6. Bragmybag

Bragmybag is another luxury bag blog where you can check out the details and prices of your favorite designer brands.

It covers new releases and reviews upcoming collections, so you’ll always be in the know. It’s one of the best handbag blogs to visit to guide you on your search for luxury purses.

7. Sotheby’s

Sotheby's is the world’s largest, most trusted, and dynamic marketplace for art and luxury. So, we’re guessing they know a lot about luxury handbags and accessories, too.

Kidding aside. Sotheby’s website is a place where you can immerse yourself with art and fashion – its stories and the conversations around it. And if you’re looking for a particular Hermès, Chanel, or Louis Vuitton piece, you might be able to get it from there too.

8. Fifth Avenue Girl

Fifth Avenue Girl is exactly what you’d expect from a bag blog. It’s a fun and enjoyable place for fashion and lifestyle inspiration. Check it out for shopping advice and an insider view of high fashion.

Plus, you’ll get the latest in fashion trends and luxury launches.

9. MyBag Blog

Mybag is another one of my favorite purse blogs to visit. Go read up about the latest trends, style updates, and newest launches!

They don’t just cover designer bags. You’ll find articles about other trendy brands such as Marc Jacobs, Kate Spade, and the likes. So there’s something for everyone.

Be in the know with the best luxury handbag blogs!

Do you have your heart set on an expensive handbag? Before you spend all that hard-earned cash on a designer bag, get all the details from our favorite handbag blogs.

Not only will you learn to recognize fake from authentic designer purses, but you’ll also know when sales and price changes are happening. Happy browsing!

Clever Girl Finance has tons of free information about finances and fashion. Check out our articles or free money courses.

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How To Stay Focused On Your Goals With Unsupportive Family https://www.clevergirlfinance.com/unsupportive-family/ Fri, 24 Jun 2022 15:52:02 +0000 https://www.clevergirlfinance.com/?p=28880 […]

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Unsupportive family

Ah, unsupportive family – how do you deal with them?

Your family and friends are supposed to be your biggest fans. They pick you up when you fall. And they support you unconditionally.

Oh, what a world that would be! Well, we know that’s not always the case. Sometimes, your own family is the first to criticize and prevent you from reaching your goals.

They’re the first to tell you, you’re not smart enough, not big enough, not strong enough, etc. Or that you don’t have what it takes to go after what you want.

It can be devastating when the people you love and respect the most seem to always disapprove of your choices. But you can still stay focused on your goals, even with an unsupportive family. Let’s explore how.

How does having an unsupportive family affect you?

There are so many ways growing up without support and supervision affects a person negatively.

Several studies found that neglectful and unsupportive family dynamics create unsafe environments for children.

And the feeling of being unsafe doesn't leave them as adults, which leads to unhealthy habits and increased risk for mental health disorders.

When you're working towards achieving your goals, here are some ways having an unsupportive family can affect you:

You give up on your goals

Lack of support is a reason people give up on their goals. In fact, a survey by Global Dreams showed that half of the world's women population have chosen to stop pursuing their dreams.

But giving up their ambitions to pursue more achievable goals left the women deeply unhappy with their lives. That’s no way to live either.

You stop telling them about your plans

When you share your plans and you’re met with criticism, mockery, or outright disapproval, you’d probably decide to stop telling your family any of your plans.

Although this act is good to keep the peace, it’s also a sign that you no longer trust your family. All of which could create distance in your relationship.

You become resentful and pull away

As an adult, you can acknowledge that each person is different and some people can’t give you the support you need. But you’re also human, your wants and needs include a strong support system.

So, if you constantly receive a lack of support when you’re pursuing your dreams, you may become resentful. In some cases, the resentment and disappointment you feel may cause you to pull away from your unsupportive family.

How to focus on your goals when you have an unsupportive family

No matter how much we want family members to support us and be this or that, you can only change yourself.

So, stop trying to get your family to see it your way, and focus on accomplishing your goals instead. Check out the list of unsupportive family quotes we have below for inspiration.

Here are a few things you can do to respectfully get your family on board. And how to go after your dreams even when you don’t get their support.

Share your reasons for your goals

First of all, you don’t need to share your plans with everyone. But for the people you want active support from and feel they’re not giving you that, sit down with them and have an open and honest conversation.

People who love you and care for you want to support you, but they have questions. So, listen to their concern and try to understand where they’re coming from.

Then, share your reasons behind your goals. Help them understand what you’re trying to accomplish. If they’re open to hearing more, let them know where you are in your goal such as if you’re at the starting line or have already made headway.

Tell them why their support is important to you. You can even go into specifics and let them know the kind of support you would like to get from them.

Don’t look for approval

When you share your goals with people, whether they’re your biggest fans or a member of your unsupportive family, make sure you’re not looking for approval. Because if you’re looking for validation, then you’ve already given away your power to choose for yourself.

It’s natural to value the opinions of people you care about. It’s also normal that you want them to value the same things you do.

But stay firm on your goals and the choices you made for yourself. Don’t question your dreams and abilities because of your unsupportive family’s negative reactions. And don’t let their disapproval shake your self-confidence.

Let go of expectations

Expectations put too much pressure on relationships. They’re a surefire way to experience disappointment and resentment.

People, even those who love us, can only give what they are capable of. Some people simply don’t have the capacity to support you in the path you chose for yourself.

No matter how hard you try, your unsupportive family may never acknowledge it and cheer for you. And that’s okay.

You have to let go of that need for people to validate your feelings and beliefs. Remember that your dreams are more important than the opinions of others.

Find other support systems

If you have an unsupportive family or even unsupportive friends, find other support systems. Everyone needs a strong support system, especially when you’re going through big life changes. But that doesn’t always mean family.

Build a network with your friends, mentors, and people who can provide the support you need. Aside from helping you succeed, having a supportive network can also reduce stress and improve your health and happiness.

So, choose to create meaningful friendships and relationships over dwelling on your family’s lack of support and disapproval. Go out, meet new people, and expand your social circle.

And remember that the easiest way to find friends is to be one. Supportive friends are essential to staying focused on your goals. They make life easier, they celebrate your wins, and they can keep you accountable.

Set boundaries with yourself and your family

Boundaries are standards you set that guide the kind of behavior you expect from others. Since you can’t change how people will treat you, use boundaries to protect yourself.

To successfully establish boundaries, get clear on why they’re important and why you need to put some in place. In this instance, your reason could be so you can still pursue your goals and love your family.

You may feel a lot of guilt and shame for setting boundaries, especially with family members. That’s why you need to understand why you’re creating boundaries.

Otherwise, you won’t know how and when to enforce them. And it will wind up looking like a parent threatening to take away a non-existent toy from a child.

If you don’t have any boundaries in place already, build them up slowly. Or else, it could all become overwhelming and you’d give up the practice entirely.

19 Unsupportive family quotes

Unsupportive family quotes are everywhere on the internet. That shows you how common it is, unfortunately. Although, it’s not much of a consolation, here are quotes about unsupportive family to let you know you are not alone.

Quotes about how difficult an unsupportive family can be

1. “If a man’s character is to be abused, say what you will, there’s nobody like a relative to do the business.” – William Makepeace Thackeray

2. “I used to think the worst thing in life was to end up all alone. It’s not. The worst thing in life is to end up with people that make you feel all alone.”Robin Williams

3. “A big shout out to all the kids who grew up in an unsupportive family while they hear about another supportive family around them: You have a life worth living, you are strong and brave.” - Unknown

4. “Some of the most poisonous people come disguised as friends and family.” - Unknown

5. “It’s not the cruel criticism from folks who hate us that scares us away from our Knowing; it’s the quiet concern of those who love us.”Glennon Doyle

Quotes about unsupportive family that reflect how families should be

6. “The bond that links your true family is not one of blood, but of respect and joy in each other’s life. Rarely do members of one family grow up under the same roof.” Richard Bach

7. “Everyone needs a house to live in, but a supportive family is what builds a home.”Anthony Liccione

8. “Being genetically related doesn’t make you a family. Love, support, trust, sacrifice, honesty, protection, acceptance, security, compromise, gratitude, respect, and loyalty are what makes your family.” – Unknown

9. “Family isn’t always blood. It’s the people in your life who want you in theirs. The ones who accept you for who you are.” – Unknown

Quotes about unsupportive family that show you how to deal with them

10. “Don’t worry about the family that ignores and acts like you don’t matter, love the ones who are always there for you no matter what.” - Unknown

11. “It’s nearly impossible to blaze one’s own path while following in someone else’s footsteps.” Glennon Doyle

12. “At some point, you realize that your parents are humans. They make the best they can with the options available to them.” - Unknown

13. “No one will believe in you until you believe in you.” Robin Sharma

14. “Set healthy boundaries with unsupportive people. Release hurts by forgiving, bless their hearts, and then farewell to them.” – Unknown

15. “Letting go of toxic people in your life is a big step in loving yourself.” - Unknown

16. “Sometimes, you have to move on without certain people. If they’re meant to be in your life, they’ll catch up.” Mandy Hale

17. “You may feel guilty for leaving your family behind, but you’ll never regret moving forward.” – Unknown

18. “You can love them, forgive them, want good things for them…but still move on without them.” Mandy Hale

19. “To be a champion, you must believe in yourself when no one else will.” – Sugar Ray Robinson

We hope reading these unsupportive family quotes lifts your spirit and inspires you to go find the ones who’ll support you.

Go after your dreams even with an unsupportive family

When all is said and done, all we could hope for is that we lived for ourselves.

Unsupportive family members are free to express their opinions, but you don’t have to take them to heart. The choices you make should be your decision no matter how much you love your family.

Build a network where you can share your goals and get the support you need. Take advice from people who’ve already achieved what you’re trying to do or who’ve been in your position.

Let go of the ideas weighing you down. Start taking action towards your goals and trust that you will meet the right people who can propel you forward.

And if you need more encouragement, we offer other articles about family and money for you to check out.

The post How To Stay Focused On Your Goals With Unsupportive Family appeared first on Clever Girl Finance.

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10 Questions To Ask Before Moving In Together https://www.clevergirlfinance.com/questions-to-ask-before-moving-in-together/ Thu, 19 May 2022 02:04:43 +0000 https://www.clevergirlfinance.com/?p=25096 […]

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Questions to ask before moving in together

Thinking of taking your relationship to the next level? We’ve gathered a few questions to ask before moving in together to help you have the important discussions.

Taking this next step in your relationship is an exciting time in a couple’s life. And though it can be easy to be swept up in the romance, it’s wise to talk about practical matters like finances, family values, and life goals before you jump in.

First, we are going to discuss how asking questions before you move in together can help you, then we will get into the key questions to ask your partner before moving in together.

How can asking questions before moving in together help you?

Living together is a whole new world, no matter how long you’ve known or have been dating each other. You are still going into unknown territory that has the potential to make or break your relationship.

That’s why asking questions before moving in together can help you be prepared. Here are a few ways these questions will help:

It helps you evaluate your relationship up to this point

Sometimes pressure from family, friends, and your social circle to take the next step can be too much. But before you start checking off the moving in together checklist, it’s best to see how your relationship is going presently.

For instance, make sure you are moving in together as a way to continue nurturing your connection. It’s probably not a good idea to propose it as a solution for your schedules not matching or other problems your relationship is going through. 

It helps you think about why you want to move in together

Hopefully, your decision to share your lives isn’t just for convenience, or so you can save on rent. But because you see a future together and you’re both working towards the same goals.

It helps you be on the same page with finances, future goals, and other things

Having a discussion before you decide to combine your grocery lists helps you get on the same page about your future plans. Ask the questions and get to know each other deeper.

You’ll also hear lots of moving in together advice from others as you go through the process, so it’s best to go into it with your own reasons.

10 Important questions to ask before moving in together

In every stage of the relationship, clear communication is key. If you’re not sure where to start the conversation. Here are 10 questions to ask your partner before moving in together:

Questions to ask before moving in together

1. Where do you see us in the future?

For many, moving in together is preparation for marriage, but this is a huge assumption to make. So, sit down and talk it through. Make sure to share and understand your expectations from each other.

This is one of those questions to ask your partner before moving in together that’s casual and open-ended. But it could reveal so much about where they see the two of you in the future.

You don't have to agree on everything about how you see your relationship moving forward. Although, it would clear things up if you know your partner's plans beyond living together.  

2. What are your expectations around having children?

This is one of the most important questions to ask before moving in together. Whether you want or don’t want to have kids is an important topic that your partner should know before you decide to live together.

If you are on the same page about having kids, then talk about the timeline you each have in mind. Be vocal about your thoughts.

If you're wondering if cohabiting means welcoming a child, ask that. If you want to get married first before planning to have kids, say that.

3. How will we handle conflict?

This is one of the most important questions to ask before moving in together. There’s no avoiding conflict when people live together.

You are going to fight about big life stuff and little annoying things. Talk about how you deal with conflict and come up with a loose game plan.

Be open about your needs. For instance, if you’d rather leave the discussion and come back when you’re calm, then let your partner know. So they know what to expect.

4. How should we manage our finances?

A lot of couples avoid money conversations until it’s too late. But you definitely want to talk about how you are going to manage your finances.

Discuss and plan how you’re going to split the rent, bills, and shared expenses like groceries and other household items. Are you both going to contribute equally, or will one of you pay more?

In addition, does your partner expect that you should combine finances, partially or fully? Who should be responsible for managing the money?

The law offers more protection and benefits if you’re married. So, have a conversation on whether the way you set up your finances while living together will change if/when you get married.

5. How would you describe your spending habits?

Talking about your expectations on how you’ll manage finances as a couple is only the beginning. One of the best moving in together advice I've heard is to understand how each of you spends money. 

This is important because it can be a source of stress and conflict. Imagine if one partner sticks to a budget, while the other spends every cent and can’t cover their share of the bills.

6. How do you feel about debt?

Most people have some kind of debt, including student loan debt, car loans, credit card debt, and more. But debt may mean different things to different people.

For some, debt can be a means to achieving a goal like buying a home or getting an education. And each person’s perception affects how they take on debt and prioritize paying it off.

This is one of the most important questions to ask before moving in together because you want to know if they have debt and how much.

Beyond that, you’d learn how your partner handles their debt. The purpose of having these discussions is so you don’t discover them after you’ve already merged your finances.  

7. What are your financial goals?

Everyone has different goals they want to achieve. Ask this question to understand your partner’s goals and how you can support them.

Knowing your partner’s financial goals also helps you manage your expectations. For instance, you may be planning a vacation, but your partner wants to start saving for a down payment for a house.

That’s why these discussions should be part of your moving in together checklist because it can save a lot of arguments in the long run. Also, talking about your goals allows you to consider how your relationship fits into these plans.

8. Where will we live?

One of the biggest questions to ask before moving in together is, "Where will we live?" It's good to discuss if you will move into their place, stay in yours, or find a new place together.

Talk about your must-haves before you start looking for a new place. Agree on a reasonable living space and budget that works for both of you.

Consider your commutes to work and accommodations for pets, if you have any. And make a list of neighborhood amenities you’re looking for like parks, restaurants, safety, and so on.

Decide whether both of you are going to be on the lease. And who’s responsible for paying the rent? Will it come from a separate account or one of you will reimburse the other?

Be sure to discuss all of these things before moving in together.

9. How will we manage household chores?

You’ll never run out of household chores. So, who takes out the trash? Who cleans the toilets? Who wants to cook?

These may not be the sexiest questions to ask your partner before moving in together. But you can avoid a lot of frustrations by talking about how you’ll manage household chores.

Create a plan about how things will get taken care of. Maybe your partner likes to do the chores you don’t enjoy. They may like to cook and you don’t mind doing the dishes. That would be fun!

10. What happens if it doesn’t work out?

Even though it may sound a bit negative, you need to come up with a plan if things end. It doesn’t have to be detailed, but set expectations on how you’ll treat each other if it doesn’t work out.

Talk about who keeps the place after the breakup and how you'll deal with items you'll buy together.

Moving in together checklist

Are you ready to take the plunge? Here’s a three-step "moving in together checklist" to get you there.

1. Do some self-reflection

After you’ve gone through the list of questions to ask before moving in together with your partner, you may or may have gotten the answers you want to hear. Now, it’s time for some self-reflection. Do you feel comfortable moving forward?

Be honest with yourself. Think about your reasons for taking this next step – is it something you really want? It's essential to be sure that this is what's best for you.

2. Build a “breakup” fund

No one enters a relationship thinking it’s going to end badly, but it can happen. And there’s no better way to protect yourself than to be prepared.

Set up a separate savings account that you can access in case you have to move out. It's the best moving in together advice we can give.

For your breakup fund, set aside $1,000 to start. This amount can cover a few days in a hotel while you look for a new place to live if necessary.

Then, set a goal to build your fund up to at least 6 months of your basic expenses. This is simply because, when you become single, you might not have anyone else to fall back on for financial support.

3. Go through all of your stuff

Whether you’re moving to a new place or one is moving in, both of you should go through all of your stuff. Chances are you’ll end up with duplicates, so, figure out what you have, what you’re keeping, and what you’re getting rid of before the move.

Decide together what you’ll keep, toss, or donate. Be thoughtful of each other’s emotional attachment to your stuff. 

But know that everything you both decide to keep has a cost. The cost can be in dollars because you’ll need a bigger place, or you’ll be giving up space to fit all that stuff.

These are the top questions to ask your partner before moving in together!

Our moving in together advice is to weigh your decision carefully. These questions to ask before moving in together will help you understand your partner’s views.

It’s important to talk about how each of you thinks and feels about money, goals, and the future of your relationship.

Getting the answers can also help you feel more secure in your relationship. It’s the best place to decide if you’re ready to move in together.

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A Summer Reading List To Improve Your Finances And Life! https://www.clevergirlfinance.com/summer-reading-list/ Tue, 03 May 2022 03:02:13 +0000 https://www.clevergirlfinance.com/?p=22410 […]

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This summer reading list post contains affiliate links that help us grow Clever Girl Finance! Please see our disclosures for more information.

Taking a little break this summer for some rest and relaxation? Don't forget to pick up some books from our summer reading list to improve your finances and life.

It's not a tall order, you know, to say books can help you improve your life. Books certainly changed my life. It's because books expose me to history, facts, and hundreds of incredible stories. I feel closer to people when I'm reading.

Summer reading list

So, if you're ready for some change in your life, we have some good summer reads to inspire you to tackle your debt, start a side hustle, or become a better leader.

Take a look and pick a title to bring with you before you head to the beach this summer, or even for your staycation! But before we dive into our list of the best summer reads, let's discuss how reading can help you improve your life and finances.

How can reading books help improve your finances and life?

Whether you read for pleasure or you’re looking for personal or professional growth, books are incredible resources.

This is because books provide a gateway to cultures, ideas, and perspectives that help us understand ourselves and the world around us. Here are a couple of ways reading books helps improve your life and your finances:

Reading improves vocabulary and communications skills

Reading engages the mind. That's why it helps improve your vocabulary and communication skills. And knowing how to communicate effectively is important whether you want to improve your career or your life.

Reading boosts your imagination and improves creativity

Furthermore, reading books boosts imagination and improves creativity. Reading encourages you to explore different perspectives. Books help you build new thoughts, imagine new worlds, and form new opinions.

All of which are essential if you’re looking to adopt a new money mindset, build confidence to apply for a higher position, or start your own business.

So, here are some good summer reads to improve your finances and life, now you know the importance of reading books. Let’s go!

Summer reading list to help improve your finances

Whether you believe it or not, your beliefs about money impact how you create wealth in your life. Nowadays, there’s so much talk about changing your money mindset, but no one ever tells you how.

So, here are the best summer reads that show you the steps to take to improve your money mindset and finances.

Our Money Stories: A Six Week No B.S. Holistic Financial Wellness Plan by Eugenié George

Our Money Stories A Six Week No B.S. Holistic Financial Wellness Plan

In the book, “Our Money Stories,” Eugenie George helps you understand your current money story. You’ll learn how your personal history, ancestry, and the world play a role in how you make and spend money.

It talks about how laws and policies are designed to keep money in the hands of the powers that be. So, the old method of wealth building doesn’t work for women of color. 

If you’re a woman of color, you need this book on your summer reading list. Eugenie shares how you can build a financial wellness plan through weekly money practices and strategies for understanding your money story.

I Will Teach You to be Rich, Second Edition: No Guilt. No Excuses. No BS. Just a 6-Week Program That Works by Ramit Sethi

I will teach you to be rich

Ramit Sethi is a personal finance expert who’d been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. “I Will Teach You to Be Rich” shows you how to build wealth easily and automatically.

You’ll get coaching on everything, including how to crush your debt and the exact words to use to negotiate a big raise at work. It’s one of the best money mindset books, be sure to add it to your summer reading list.

Get Good with Money: Ten Simple Steps to Becoming Financially Whole by Tiffany Aliche

Get good with money

Tiffany “The Budgetnista” Aliche is an award-winning personal financial educator. Through her company, Tiffany created a financial movement that has helped women all over the world transform the way they think about their finances. In “Get Good with Money,” she introduces the powerful approach of building wealth through financial wholeness.

You’ll discover a practical, achievable, and refreshing alternative to get-rich-quick schemes and complicated money management systems. This book is one of the best summer beach books that will change your money mindset for the better.

Clever Girl Finance: Ditch Debt, Save Money And Build Real Wealth by Bola Sokunbi

Clever girl finance book

Bola Sokunbi is, of course, the force behind Clever Girl Finance. “Clever Girl Finance: Ditch Debt, Save Money, Build Real Wealth” is Bola’s first book and the official Clever Girl’s guide to personal finances!

It’s a lighthearted, practical guide for women who are looking to take charge of their finances and change their lives. In the book, Bola draws from her personal experiences and shares the tools you’ll need to put yourself on the path to financial success.

Learn How Investing Works, Grow Your Money by Bola Sokunbi

Clever Girl Finance Investing Book

Bola believes that to build wealth, your money should be working for you. So, in her second book, “Learn How Investing Works, Grow Your Money,” she teaches you exactly how to start investing.

She discusses how to get started with modest funds and presents tried and true investing tips that have worked for her and so many others. This book is one of the best summer books that shows you how to invest like a pro.

Summer reading list to help you start a business

Do you have a business idea, but you’re too bogged down by self-doubt to bring it into reality?

Pick one or two titles from our list of the best summer beach books for inspiration and guidance to overcome that fear. The world is ready for what you have to offer! 

We Should All Be Millionaires: A Woman’s Guide to Earning More, Building Wealth, and Gaining Economic Power by Rachel Rodgers

We should all be millionaires

Ah, I love good summer reads that call out patriarchal nonsense. If you’re looking for financial advice that doesn’t make you feel bad about enjoying your morning latte, add “We Should All Be Millionaires” to your summer reading list.

In this book, Rachel Rodgers shares the lessons she’s learned both in her own journey to wealth and from guiding other women to millionaire status. You’ll discover a realistic, achievable, step-by-step way to build the financial security you need and deserve.

Be: A No-BS Guide to Increasing Your Self Worth and Net Worth by Simply Being Yourself by Jessica Zweig

Be Jessica Zweig

Want to learn how to connect with others and change lives with your brand? Add “Be: A No-BS Guide” to your summer beach books. Jessica Zweig, the author of this awesome book, is an entrepreneur, a personal branding expert, and the CEO of SimplyBe Agency.

She believes that your best strategy for business is service and generosity. And the essential ingredient to increasing engagement and impact is authenticity.

So, in this book, Jessica shares her secrets for building authenticity, service, and real connection to your winning brand. This tops our list of good summer reads because it gets you ready and pumped to take your business to the next level.

Don't Keep Your Day Job: How to Turn Your Passion into Your Career by Cathy Heller

Don't keep your day job book

Don't Keep Your Day Job” is full of wisdom, anecdotes, and practical suggestions. It shows you how to start your side hustle, find your people, and build a life you love.

You’ll hear how to find your purpose and turn your passion into profit from successful creative entrepreneurs like Jenna Fischer, Gretchen Rubin, and Jen Sincero.

The Side Hustle Guide: Build A Successful Side Hustle & Increase Your Income by Bola Sokunbi

Side Hustle Guide Book

The Side Hustle Guide” is another offering from our founder Bola Sokunbi. Pick up a copy for your summer beach books and get inspired to increase your income and build wealth.

It has all the information you need to build a profitable side hustle, even if you don’t know where to start. Bola also shares practical guides for establishing a strong foundation for your brand and how to grow it into a thriving business.

Boss Up!: This Ain’t Your Mama’s Business Book by Lindsay Teague Moreno

Boss up book

Boss Up!” is for you, mama, if you’re feeling guilty about wanting more. As women, we’re conditioned to be content with our lot. That’s why we feel bad when we have other ambitions aside from being a mother or wife.

Pick up a copy of Boss Up! for your summer beach books and overcome your fears and guilt to get your business ideas out in the world. You’ll also learn the business principles that helped Lindsay Teague Moreno build a multi-million dollar company.

Summer reading list to improve your career

Even though times are changing, it’s still difficult for women to navigate opportunities and hurdles in the workplace. So, lean for support from other women who’ve been there. Add these book titles to your summer reading list for career advice and inspiration. 

The Likeability Trap: How to Break Free and Succeed as You Are by Alicia Menendez

The likeability trap

The Likeability Trap” considers the prize women pay for taking on and giving in to the demand to be “nice.” Armed with extensive research and interviews, plus her own experience, Alicia Menendez proposes practical solutions for women to reimagine leadership.

Include this book to your summer reading list if you’re looking to improve your career. Aside from being inspiring, thoughtful, and funny, it empowers you to let go of the old rules of needing to be likable.

The Making of a Manager: What to Do When Everyone Looks to You by Julie Zhou

The making of a manager

The Making of a Manager” is the handbook you need to be the kind of manager you wish you had. You’ll appreciate it whether you're new to the job, a seasoned leader, or preparing to be a manager.

Julie Zhuo is one of Silicon Valley's top product design executives. She managed dozens of teams spanning tens to hundreds of people. This book covers Julie’s observations and insights of her experience as a rookie manager at the age of 25.

Power Moves: How Women Can Pivot, Reboot, and Build a Career of Purpose by Lauren McGoodwin

Power Moves

Power Moves” is one of the best summer books to read if you want to learn how to build a meaningful career on your terms. You’d also want to pick it up if you’re looking for information, guidance, and tools to help you take the next bold step without self-doubt and fear.

The author, Lauren McGoodwin, is also the founder of Career Contessa. Her website is an invaluable career resource because it focuses on the complex aspects of women’s careers.

The Fear Fighter Manual: Lessons from a Professional Troublemaker by Luvvie Ajayi Jones

The fear fighter manual

The Fear-Fighter Manual” will have you inspired and fired up to live boldly. You’ll be treated to the powerhouse wit, humor, and honesty of the one and only, Luvvie Ajayi Jones. You’ll be glad you added it to your summer reading list, I guarantee it.

In this book, Luvvie talks about what we must get right within ourselves before we can do the things that scare us. She invites readers to become professional troublemakers: people who are committed to not letting fear talk them out of the things they need to do or say. 

Everything is Figureoutable by Marie Forleo

Everything is figureoutable

Everything Is Figureoutable” is the book you want if you’re looking for a handbook on how to become the creative force of your own life. It will retrain your brain to think more creatively and positively in the face of setbacks.

Marie Forleo shares that “everything is figureoutable” is more than just a fun phrase to say. It’s also a philosophy of relentless optimism, a mindset, and a conviction.

Summer reading list for inspiration

Our best summer reads for inspiration will make you feel deeply and get motivated to grow. These stories are sometimes gut-wrenching but ultimately, hopeful and healing. Seriously, if you can, just read them all.

Untamed by Glennon Doyle

Untamed Glennon Doyle

Untamed” is Glennon Doyle’s memoir about her love story with US soccer star Abby Wambach. But more than that, it explores the joy and peace we discover when we stop striving to meet others’ expectations and start trusting the voice deep within us.

Join the over two million people who’ve read the book so far, pick up a copy now. It truly is one of the best summer reads to inspire you and show you how to be brave.

More Than Enough: Claiming Space for Who You Are (No Matter What They Say) by Elaine Welteroth

More Than Enough Book

More Than Enough” is Elaine's part memoir-part manifesto on what it means to come into your own – on your own terms. Elaine shares the lessons and struggles of being a barrier-breaker. This is one of the best summer books to read because it unpacks lessons on race, identity, and success through her own journey.

Elaine Welteroth is an award-winning journalist and a revolutionary editor who brought social consciousness into the pages of Teen Vogue. She’s also known for being the youngest Editor-in-Chief at a Condé Nast publication and the first Black beauty editor of Teen Vogue.

Somebody’s Daughter: A Memoir by Ashley C. Ford

Sombodys daughter

Somebody's Daughter” is Ashley C. Ford’s story of growing up a poor Black girl in Indiana with a loving but abusive mother and a father in prison. It’s a theme you’ve seen and heard a hundred times.

But in this book, you’ll find yourself, your mother, your sister, your aunt, and your grandmother. You’ll relate to Ashley if you’ve ever felt different, misunderstood, or lost. 

Although heart-wrenching, this book is ultimately positive – a story of resilience and reconciliation.

Unbound: My Story of Liberation and the Birth of the Me Too Movement by Tarana Burke

Unbound Tarana Burke

Tarana Burke is the founder and activist behind the "me too" movement and the book, “Unbound” is her story.

It’s a story showing her strength and perseverance to confront what happened to her and to heal. So she can bring healing to her community and to the world.

In this book, Tarana shares her work supporting and empowering Black and brown girls. So, it’s also a tale of possibility, empathy, power, and the leader we all have inside ourselves.

Choosing to Prosper: Triumphing Over Adversity, Breaking Out of Comfort Zones, and Achieving Dreams by Bola Sokunbi

Choosing to prosper book

Choosing to Prosper” is one of the best summer books to read if you struggle with imposter syndrome and lack confidence as a leader.

Whether you want to grow professionally or personally, you’ll find what you’re looking for in this book. Bola provides the tools you need to build confidence, find your voice, and live life on your own terms.

Curl up with a book from our summer reading list to improve your finances and life!

Sometimes books are just entertaining, but these titles are both entertaining and inspiring. So, pick up one or two titles for your summer reading list.

In this list, we have every title you need, whether you’re looking for motivation to improve your finances, change your mindset, or start your own business! Enjoy!

The post A Summer Reading List To Improve Your Finances And Life! appeared first on Clever Girl Finance.

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10 Of The Best Organizational Blogs https://www.clevergirlfinance.com/organizational-blogs/ Mon, 18 Apr 2022 19:26:46 +0000 https://www.clevergirlfinance.com/?p=20490 […]

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Organizational blogs

Honestly, most of us can use some organization in our lives. So, we have rounded up the best organizational blogs to help inspire you to attain a more organized home and life!

Because let's face it, in between unending piles of laundry, meals, and tight schedules, most of us are just trying to get through the day.

But you see, our bodies operate on routines. There are numerous studies proving that clutter stresses us. Messiness in our physical space impacts how we think and feel. But ultimately, it’s easier for our bodies to function when our spaces are tidy.

So, organizing our homes not only makes them a safer and more inviting place to live, but it also makes us healthier. Now let's dive into why you should read blogs about organization!

Why you should read organizational blogs

Do you look at your cluttered space with dread? Or do you buy all kinds of baskets with the intention to tidy up only to have them sit there and be part of the clutter?

That's where reading organizing blogs can help! Seriously, the tips and tricks you'll learn makes the process easier.

If you don't know where to begin, blogs about organization have quizzes and challenges to help get started. And when you're overwhelmed, they provide the much-needed motivation to keep going.

Only a handful of people are born with the knack to organize, so don't beat yourself up if you don't have it like the rest of us. Instead, read some organizing blogs and get real-life inspiration from people who are also learning as they go.

Benefits of being organized

Being more organized has many benefits. Here are a few major benefits you will reap by getting your life organized:

Less stress

You will have less stress if you can contain the clutter in your home. It's probably the best benefit of getting organized. We’re living through modern times with endless to-do lists looming over us. 

Plus, we’ve also acquired the habit of accumulating stuff. So, if you must collect stuff, then having a place for everything, so they’re not taking over all your spaces will definitely reduce your stress levels.

Save tons of time

Being organized also saves time. Think about it; you don’t have to spend so much time looking for things when you need them. Because you know exactly where they are, or at least they’re easy to find.

For example, decluttering and organizing your clothes can save you a ton of time getting ready in the mornings!

Stick to a routine easier

In addition, you can establish and maintain routines easily with organization. When you’ve planned out your meals, for example, it’s more likely for you to eat healthier instead of grabbing fast food on the way home.

So, let these organizational blogs help declutter your home, save you time and create a home you’re proud of.

10 Best home organization blogs

Go through this list of blogs about organization and find one or two that appeal most to you. Whether you’re new to organizing or already knee-deep into it, you’ll find something helpful from these amazing organizing blogs.

1. Be More With Less

Be More with Less is a blog by Courtney Carver. She started her website to share her story and help readers discover the joy in less. For her, being more with less means simplifying life and living with purpose.

She believes that decluttering and minimalism can help us focus on the best things in our lives. In turn, this allows us to create a healthier life with less stress, have more space with less stuff, and experience more joy with fewer obligations.

Courtney has shared so much on her home organization blog, but my favorite post is the 25 Ways to Simplify Your Life in 10 Minutes or Less. Give it a read. It’s full of practical, easy things that you can do to start simplifying your life.

2. Clutterbug

Cassandra Aarssen is the person behind the organizing blog, Clutterbug. You can say she’s passionate about organizing since she also has a podcast, YouTube channel, and a couple of books.

And she’s the organization expert helping homeowners go from chaos to clutter-free in the HGTV show, Hot Mess House.

On her blog, Cassandra shares how she learned to declutter and organize even though she’s not a naturally organized person. She says no one is messy, we just organize differently.

In her home organization blog, she offers a test so that you can figure out your “Organizing Style.” Find out what type of Clutterbug you are with her signature quiz here!

3. The Home Edit

One of the best blogs about organization that I adore is The Home Edit. They have their own show on Netflix called “Get Organized with The Home Edit.”

Clea Shearer and Joanna Teplin started The Home Edit together as a full-service organizing company. Since then, they’ve also written a couple of books and launched a full range of organizing products.

They have celebrities and high-end clients like Reese Witherspoon and Drew Barrymore. As you’ll see in the show, the results are mind-blowing. And their website is easily one of the best organizational blogs.

Clea and Joanna want people to relate home organizing with design and style instead of just a way to clean and tidy. So, on each project, they work to marry form and function to create colorful and beautiful spaces.

Check out their “Fresh Start February Challenge” posts if you’re looking for a place to start. It’s four challenges set up as mini-projects you can tackle each day for four weeks.

If you have kids and you’re looking for ways to organize their books and toy, you might like 5 Kid-Friendly Systems For Organizing Toys.

4. Just a Girl and Her Blog

On Just a Girl and Her Blog, Abby Lawson shares insights on organizing, productivity, and decorating tips. She sees organization as eliminating clutter and creating smart systems to lower our stress levels and allow us to truly enjoy spending time in our homes.

You'll also find tons of organization inspiration, decluttering tips, and DIY projects to help you organize your spaces quickly and easily on her YouTube channel, Abby Organizes.

And just like most of the organizing blogs on this list, she offers printables to make your organizing projects easier.

Read Abby’s post on How to Start an Overwhelming Organizing Project to help you cope with the sheer amount of information involved with organizing. Her article on How to Get Organized when You Feel Overwhelmed is helpful as well.

5. Organise My House

One of the best organizational blogs I love to read is Organise my House. Chrissy Halton shares her knowledge from helping countless people create a home they love.

She owns a home organizing and styling business in the UK. And she offers practical tips on how to declutter and organize, not just your house, but your life and time as well.

Chrissy wants to help you simplify your life so you can spend more time on what matters most to you. Her website has three main areas – space, life, and time. And you'll find each area packed full of free challenges, posts, and printables.

If you can’t decide what area you want to tackle first, take Chrissy’s quiz “How organized are you?” and she’ll help you pick.

6. The Simplicity Habit

Julianna Poplin is the person behind the organizing blog, The Simplicity Habit. She is a professional organizer, but she focuses more on helping her clients declutter their homes. That’s why she calls herself a professional declutterer.

She named her blog The Simplicity Habit because her goal is to cultivate a habit of less stuff and to have more of what truly matters to her. If you're looking for blogs about organization that encourages owning less and simplicity, you'll love her site.

If you’re ready to get on the organizing train, read Julianna’s posts Do This Before You Start Decluttering and The Best Methods for Decluttering Your Entire Home. These will help you set goals and get in the mindset to keep moving forward.

7. Sunny Side Up

Like most of the organizational blogs on this list, Sunny Side Up was started because Erin Rollins wanted a place to share her passions. On her blog, you’ll find stories about her family, tips on time management, and her take on fashion. 

And she shares loads of ideas on organization and home decor, of course! I mean, take a look at her home office. I’m trying to get mine to look like that, which probably won’t happen. But a girl can dream, right?

Erin also has three kids. So if you’re looking for ways to deal with your kid’s toys, check out how she organized her kids’ playroom for inspiration.

8. Clean and Scentsible

If you’re into crafts, you share that hobby with the creator of the home organization blog, Clean and Scentsible. Jenn divides her time between working part-time as a pediatric physiotherapist and full-time mom and blogger.

What sets Clean and Scentsible apart from other organizational blogs are Jenn's craft ideas and decor inspiration for all occasions. Check out her Spring Kitchen Decor Ideas and Carrot and Wood Bead Easter Garland.

Clean and Scentsible is so much fun to explore with lots of beautiful pictures.

9. Polished Habitat

The Polished Habitat is one of the most beautiful organizing blogs you will see. Melissa George started it to share her passion for creating organizational systems, habits, and routines that help her live her best life.

Melissa’s mission is to help you simplify your life by keeping your home organized while enjoying your daily tasks and chores. Her site is full of easy home organization tips, home decor tutorials, and creative ideas to help you think outside the box, no matter your budget.

You’ll also find Melissa’s work in publications like Better Homes & Gardens, HGTV, Buzzfeed, and more.

Since warmer weather is upon us, take a look at her Backyard Patio & Landscaping Before & After post if you’re looking for inspiration. It sure looks cozy and spacious at the same time.

10. Our Home Made Easy

Our Home Made Easy is truly one of the best organizational blogs. Brittany Wise founded the blog to help fellow working moms create a home they love.

Brittany is a full-time working mama. That’s why she’s passionate about sharing tips and tricks to help busy moms create a beautiful home the easy way.

Her blog is full of ideas for meal planning to help you save time and money (we are all about simplified finances!). You’ll love her site if you like tackling DIY projects. And of course, there are lots of easy tricks to make your home feel amazing.

Learn from the best organizational blogs and have the stylish home you want

Take back your life, your space, and your time with the help of the best organizational blogs. Being organized is a skill you can learn and you can do anything you set your mind to.

When you live in an inviting, happy, and organized space, it’s easier to focus on things you care about like your finances.

Start with what you can do today. Small changes every day like spending a few minutes to get organized will help make your life healthier and happier!

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Tips For Dealing With A Toxic Boss https://www.clevergirlfinance.com/toxic-boss/ Thu, 31 Mar 2022 15:12:18 +0000 https://www.clevergirlfinance.com/?p=18638 […]

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Toxic boss

Are you miserable at work because of your manager's behavior or unprofessional practices? You could very well be dealing with a toxic boss. In this article, we are going to cover toxic boss signs and how to deal with them professionally!

You may think having a toxic boss is rare, but it's more common than you will believe. Let's discuss this before we dive into what warning signs to keep an eye out for.

Toxic bosses are more common than you realize

Dealing with a toxic coworker is one thing, but dealing with a toxic boss can be extremely difficult. It’s disappointing to know, but there may be more toxic managers than good ones based on these statistics from Emtrain on workplace culture:

  • Only one out of three employees feel that their bosses create a sense of belonging for all members of the company.
  • 44 percent of workers were not confident that their Human Resources would take a reported complaint.
  • Only 33 percent of employees are comfortable saying “No” to their manager’s unreasonable requests.

These are pretty dire numbers. Unpleasant workplaces are very stressful, which leads to many health problems among employees. In addition, researchers found that working in a toxic environment can result in increased depression and substance abuse.

When you’re dealing with a toxic boss, it’s not just your livelihood at stake. Your health and home life may suffer as well. With that being said, let's dive into the most common toxic boss signs.

6 Signs you have a toxic boss

The first step to navigating a toxic work environment is knowing what’s going on. Unfortunately, a lot of toxic managers get to stay in their positions because they can be sneaky with their unfair behaviors. So, look out for these subtle toxic boss signs:

1. A toxic boss tries to micromanage everything

Micromanaging is one of the most common toxic boss signs. Notice what your manager does after they assign a task – do they let you work on your own? Or do they want to be in control all the time and refuse to hear others’ opinions?

2. They use their authority to avoid responsibility

If your manager is quick to blame you or others instead of coming up with a solution to the problem, then that’s a tell-tale sign you’re dealing with a toxic boss.

These types of managers would throw anyone under the boss to avoid responsibility. And most likely, they’d also take credit for your work if you get good results.

3. They don't care about the well-being of their employees

The worst toxic bosses are the ones who don’t care about their employees. These are the managers who don’t know what you’re working on. They don’t provide the resources you need to do your job.

They’re the ones who leave their employees constantly understaffed to keep costs low. This could also be for reasons such as earning bonuses for themselves, etc.

4. A toxic boss has unrealistic expectations

Having unrealistic expectations is a behavior common to toxic managers. They give unsustainable workloads and ignore your needs to rest or have a personal life. These are also the type who expect you to be available on your days off or to work overtime without notice.

5. They are unpredictable

One of the toxic boss signs is when you feel like you’re walking on eggshells at work. Toxic managers use fear to control. So, often, they’d be friendly one minute and threaten your position in the company the next.

6. There’s favoritism and bullying in the workplace

You’ve probably seen this scenario play out before. A manager plays favorites – the favorites get access to resources that are not available to all employees.

When a toxic boss has favorites, they’re also most likely a bully. And when they bully their employees, there’s no accountability because their favorites cover for them.

How to deal with a toxic boss: 7 Key tips

Studies have proven over and over again that people leave managers, not companies. The latest data found that 57 percent of employees have left a job because of their manager.

But for every one person that quits, there’s another who has to stay because they don’t have much choice. So, what can you do when you have to deal with a toxic boss?

1. Decide whether to stay or quit

Your plans and strategies on how to deal with a toxic manager depend on whether you decide to stay or leave the company. Sometimes you may not realize right away that you’re ready to move on and that’s okay, too. Just make sure you have a strategy at play.

If you’re ready to quit, then you must take charge of your life and career. You can’t leave it up to chance. You already know your toxic boss won’t have your best interest at heart. Even if they are giving you signs that they want you to stay.

So, know what you want for yourself moving forward. Talk it over with a mentor or a trusted friend. Or if you want, you can hire a career coach. But ultimately, come up with a plan to leave.

2. Find friends at work

If your boss is not a good leader, there’s a fair chance, your co-workers know it too. Don’t engage in gossip that can come back to bite you in the end.

But that doesn’t mean you can’t have friends at work. At the very least, they can make your days bearable. Plus, you’ll have people in your corner who understand what you’re going through.

3. Be professional even when your boss isn't

Even if your boss is toxic, keep things professional. Be polite, honest, and clear.

Don’t let their negative behaviors and actions affect how you do your job. Other people may still notice your professionalism even under bad leadership.

Bosses who use their position to intimidate just want to display their power. So, let them think they won. Don’t let them get under your skin.

4. Don’t be a target (do your job and do it well)

If you need to stay in a job under a toxic boss, find ways to cope outside of work. Talk to someone you trust whom you can confide in – a friend, a family member, or a therapist.

You may want to take up hobbies like running or painting. All of which will help you have an outlet for your frustrations.

So, when you get to work, you can do your job and do it to the best of your ability. When you have good results, it may make you less of a target for your toxic manager.

5. Learn and adapt to their leadership style

Just because you have a toxic manager doesn’t mean you can’t have professional growth. You can start with setting small goals for yourself to help you get through the day.

While you’re deciding whether you want to stay or go, assess how your role in this company fits the career you have in mind.

What you are hoping to achieve with your current position? What would you need to move on? Ask yourself these questions to determine what is best for you.

6. Don’t take it personally

Know that your toxic boss behaves the way they do because of who they are. It’s not because of you or something you did.

So, don’t take things personally, no matter how hurtful they are. Your boss will probably behave the same way to whoever has your role.

7. Talk to HR when necessary and keep detailed records

If you think you have a strong and valid case, talk to human resources. But make your own judgment on this – you know your company culture and management better than anyone.

Although we hope that employees should be able to speak out against unfair treatment by their boss, we also know that it harms the employees more when they do.

Make sure you have detailed and accurate records if you’re going to HR. Report on your toxic manager’s abusive or inappropriate behaviors as clearly and concretely as you can.

Don’t exaggerate anything and avoid vague references, unsubstantiated stories, or opinions.

Keep your head up when dealing with a toxic boss

Working in an unpleasant environment is stressful. Stress leads to a host of health problems and can affect all aspects of your life negatively. So, if you’re dealing with a toxic boss, take time to really think about your options.

If you decide to stay, then use the tips above to remain positive and productive at work. Don’t allow a toxic manager to jeopardize a job you love.

If the next right step for you is to resign and move on, then you need to come up with a plan. Know where you want to go next. Enlist some people – family, friends, or a career coach – to help you.

Most importantly, make sure you are prepared financially for the transition. Build up your emergency fund, just in case you can’t start with a new job immediately. Remember, you can find a great job where you are treated with respect and get paid what you are deserved!

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How To Be Responsible With Money And In Life https://www.clevergirlfinance.com/how-to-be-responsible-with-money/ Sat, 12 Mar 2022 20:36:04 +0000 https://www.clevergirlfinance.com/?p=18063 […]

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How to be responsible with money

Curious about how to be responsible with money and life? Most of the goals we set for ourselves are just guidelines for us to be more accountable for our ways. I read the other day that being responsible doesn’t come naturally. Instead, being responsible is a skill that we can all learn.

I quite like the idea. Because it means we don’t have to criticize and blame ourselves for not knowing what we don’t know.

For example, how can you be expected to be good at managing money if you didn’t have a good role model? But the good news is – you can learn how to be responsible with money and other aspects of your life.

So, we are going to discuss the characteristics of a responsible person, financial responsibility examples, and tips for how to be more responsible in all aspects of life!

What does being responsible in life look like?

Simply put, living with intention is how to be responsible in life. Responsibility is making your own choices including how you behave, how you act, and what you say.

So when you’re just reacting to what’s happening to you, you give up your sense of responsibility for your own life. We often forget that we have choices – for instance, you can choose to find another job. You can choose to be happier.

Of course, there are things you can’t control and there’s very little you can do to change those. But when you can put more thought and intention into the things you can control, you’ll start seeing changes.

Being responsible is a skill and a trait we develop as we grow and mature. This is why we don’t ask kids to manage our household budget. We simply know they can’t do it yet.

But what are the characteristics of a responsible person?

Characteristics of a responsible person

Here are some admirable characteristics of a responsible person:

Is always punctual

Respect for other people’s time and efforts is a trait that’s appreciated and praised in a responsible person. Being punctual is how to be responsible at work, with money, and with relationships!

Admits their mistakes

A responsible person admits when they made a mistake. They accept consequences for their actions and decisions and try to correct their mistakes.

Doesn't place blame

Instead of blaming others, a responsible person looks for solutions to a problem. They don’t avoid uncomfortable conversations or situations.

Continues self-growth

A responsible person looks for ways to learn and grow. They accept that they don’t know everything and they’re willing to ask for help and learn.

At a minimum, being responsible is paying your bills and showing up for commitments you agreed to. But more than that, it involves being able to make conscious decisions about many aspects of life.

That’s why we need to learn how to be responsible at home and work. Those closest to you might also appreciate it if you explore how to become responsible in a relationship too.

So, first things first. Let's dig into how to be responsible with money.

How to be responsible with money

Money is not everything, but we do need it so we can experience the life we want for ourselves. And when our finances are not in order, it affects everything we do.

Our money worries can leave us feeling stressed, frustrated, and angry. In fact, 90 percent of Americans say that money has an impact on their stress level. But what characteristics does someone that is responsible with money have?

Here are a few financial responsibility examples to get an idea of what having your finances in order looks like:

So, after seeing these financial responsibility examples where do you stand? If you're not quite where you want to be, don't fret. Use these tips to learn how to be responsible with money:

1. Create a budget

A budget is an excellent tool to hold yourself accountable for your expenses. It’s a great way to know exactly how much money you’re bringing in each month. All of which helps you take responsibility for your finances.

So, pick a budgeting method that's easy for you to stick to. It can be something like the 80/20 rule where you use 80% for your wants and needs and save the other 20%, or it could be a zero-based budget where every single dollar is accounted for. Creating a budget is how to be more responsible with money!

2. Live with less

Look at your expenses and try to live within your means. When you spend less than you make in a month, it also means you’re not buying on credit. This saves you interest and you’re not going into debt. Living on less can better your finances significantly.

3. Pay off debt

First, don’t avoid looking at your debts. Know exactly how much you owe. And then, make a plan to pay them off. Having a plan and a strategy makes it easier to manage your payments.

There are several strategies you can use to get out of debt. The debt snowball method is one where you pay off the debt with the smallest balance first. Once that account is paid off, you apply the payment to the next balance, and so on.

You can also use the debt avalanche method. Using this method, you'll pay off the account with the highest interest rate first. Then, you pay the next highest rate until they are all paid in full.

4. Save for emergencies

Part of being responsible with money is to make sure you have an emergency fund to fall back on when things beyond your control happen. Emergencies happen and disasters can strike. But if you have savings then you can take care of your needs without going into debt.

If you have a house or a car, it’s also a great idea to have separate savings account for repairs because brakes, furnaces, and water heaters can break at any time.

5. Save for the future

You know you won’t be able to work all your life and you won’t want to. So, take care of your future. Contribute to a retirement fund and learn how to invest your money. 

You can start by contributing to your employer's retirement program if they offer one. The good news is you don't need much money to invest! So, start saving for your future as soon as possible.

How to be more responsible at work

A lot of us spend at least 30 hours or more at work every week, it's a big part of our life. And when you're responsible at work, you establish yourself as a valuable employee and a dependable coworker.

Here are a few examples to help you be more responsible at work:

1. Understand your job description

The first step in learning how to be responsible at work is to understand what’s expected of you. When you know what responsibilities come with your position, you will know where to focus your efforts and complete what you need to get done.

2. Be accountable for your actions

Being responsible at work includes knowing how to accept praise or recognition for your quality of work. And at the same time, be prepared to admit your mistakes when you make them and offer solutions instead of looking for someone else to blame.

3. Learn how to communicate better

Communication skills are so important not just at work but in every aspect of our lives. At work, you need to interact with coworkers, customers, suppliers, and all kinds of people.

You can improve your communications skills through good listening, removing distractions when you’re talking to someone, and asking questions to make sure you understand the message.

How to be more responsible at home

We juggle a lot of things to live this modern life, but the home is at the core of everything we do. And unfortunately for most of us, our home life is the easiest to sacrifice while we’re chasing deadlines, promotions, and income goals.

Hopefully, we can find a balance to be more responsible at home and do the following:

1. Be organized

Being organized comes more naturally for some than others. But if you’re like me and you’re constantly spending precious minutes looking for things when you need them, then you probably need a little bit of organization around your home. 

Don’t worry, I’m not talking about color-coded planners and labeled cereal containers. Maybe a weekly meal plan and a calendar for the family’s activities to start? So, there are fewer moments of eating takeouts in the car on your way to after-work appointments or after-school activities.

2. Implement the one-touch policy

I can’t remember where I learned about the one-touch policy, but it has helped me make my house a lot tidier. It is exactly what the name says and you can use it for anything really.

For instance, when you come home from work, instead of flinging your coat and purse on a chair to be tidied later. Using the one-touch policy as a guide, you’d hang the coat, toss your keys in a bin and hang your purse as well. It will take you a minute more, but then it’s all done and you won’t have to go back to do them later.

3. Keep your promises

Just like it’s easy for us to sacrifice home life for work, we’re also not as careful with keeping our promises to our kids and other family members. I think it’s unfortunate, especially to our kids, because we are forming their core memories.

When we don't follow through, we teach our kids that they’re not worthy of time and effort. So, yes, a great exercise to show how to be responsible at home is to keep your promises.

How to become responsible in a relationship

We are in a relationship with ourselves, with our family, with our friends, and with our coworkers. Most of us view our work and our beliefs as a relationship as well. This is why some people say they’re married to their jobs or they have a strong relationship with God.

Needless to say, relationships can get very complicated. But because of that, there are also a lot of opportunities for us to learn to become responsible. Here are a few ways how to become responsible in a relationship:

1. Show up for yourself

Your first relationship is with yourself, so show up for you. Look out for yourself. Give yourself love before you go out and ask for it from someone else. Because no one in the world can love you the way you’re going to love you.

2. Communicate your needs

Your family, your friends, your coworkers, and people are often well-meaning and they want to support you. But they can’t care and support you if you don’t tell them what you need. 

Nobody can read your mind. And it’s unfair to expect something from someone if you haven’t told them you want that from them.

3. Apologize when you're wrong

The people we’re in a relationship with, our families, and our friends are often our safe spaces. So, we’re more likely to lose our tempers and be snarky around them.

We’re humans, right? It happens. That’s why an important part of learning how to become responsible in a relationship is owning our mistakes and apologizing, as many times as we need to.

Simple tips on how to be responsible in life

Sometimes, we forget how powerful we are. We forget how much of our lives we actually have control over.

We give away our power because we believe that we don’t have choices. But every day we can choose to make change in our lives. Here are a few ways you can start doing things differently.

1. Be intentional with your thoughts, words, and actions

One of the characteristics of a responsible person that stands out is intentionality. To learn how to be responsible is to accept that nobody can make you think, do, or feel anything except you.

Be intentional with your thoughts. The brain is an amazing organ best used for problem-solving. Don’t use it to remember every mistake you made and criticize yourself for it. Also, your words have power, use them to uplift not just yourself, but everyone around you.

Lastly, multitasking is a myth. Research shows that humans are not capable of focusing on more than one thing, so be intentional with your actions. Yes, even if you’re just watching TV to relax. Enjoy the show, don’t go on your phone, and start scrolling on social media as well.

2. Don’t take anything personally

You hear this a lot, but it’s the hardest thing to do. Because how can we not take things personally when other people are being mean to us, right?

Of course, don’t let people abuse you. But also know that people do and say things because of who they are, not because of who you are or what you did. When people are not getting what they need, they take out their frustrations on other people.

To learn how to be responsible at home, notice this with you as well. When you’re impatient towards your kids or family, is it because of what they’re doing? After a while, you’ll realize that you yell more when you didn’t get enough sleep the night before or you’re worried about something.  

3. Be consistent

As Tony Robbins said, “It’s not what we do once in a while that shapes our lives. It’s what we do consistently.”

To succeed at embodying the characteristics of a responsible person, you’ll need consistency. For example, you need to plan the steps of how to be more responsible with money. Then, you have to keep doing the actions, even when the initial excitement wears off.

Creating a budget and making a weekly meal plan will become chores and you may want to stop doing them. But you have to decide from the very beginning to stick it out until you see results.

4. Live in the present

Memories are precious. They allow us to remember happiness, wonder, and all the feelings over and over again. But sometimes, they take us away from living in the present.

The future is also a special place because it brings us hope. But again, sometimes, it takes us away from living in the now.

So, make it a point to live in the present – take the time to appreciate where you are, what you're doing, and who is with you. And remind yourself that every moment is important.

Leverage these tips on how to be responsible and live a happier life!

Pick an area of your life where you want to begin learning how to be more responsible. Write down the changes you’d like to see. And then make a list of the actions you can start doing immediately.

Make small changes and stick to your plans until you’re able to say that you are fully responsible for your choices in every aspect of your life.

The post How To Be Responsible With Money And In Life appeared first on Clever Girl Finance.

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10 Top Sustainable Living Books https://www.clevergirlfinance.com/sustainable-living-books/ Thu, 24 Feb 2022 17:22:08 +0000 https://www.clevergirlfinance.com/?p=17729 […]

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This sustainable living books post contains affiliate links that help us grow Clever Girl Finance! Please see our disclosures for more information.

Sustainable living books

If you’ve ever wondered about what you can do to live sustainably, then this list of the top sustainable living books is for you.

Sometimes, talking about humanity’s impact on the planet can be downright depressing. It feels like there’s so much that needs to be done, but that nothing helps. But that’s not true at all. We can all do a little bit of something and make a difference.

Small changes in how we shop, eat and live matter. So, we’re listing the best books on sustainable living that offer practical ways to get you started on making changes to reduce your environmental impact. Let’s dive in!

What is sustainable living?

In nutshell, sustainable living means finding ways to cut back on how we use the planet’s resources and reduce the harm that our consumption does to the environment.

We all rely on the Earth – from the fertile soils that grow our food to the protection of the ozone layer. So, we all must look into how our lifestyle choices affect the world and find ways to live better with less waste.

Luckily, there’s no one way to live sustainably. The possibilities and practical ways we can take action are endless.

For instance, you can start with switching to sustainable fashion, since we know that the clothing industry is one of the largest contributors to global greenhouse gas emissions.

Also, sustainable solutions like eating less meat and growing our food are not only good for the environment, it’s also good for our bodies. So, with that being said let's dive into our list of the best sustainable living books!

10 Best sustainable living books

There are many ways we can make a difference towards sustainability. We can use our voices to vote for policies that prioritize the environment and grow food in our own backyards.

But we can do more. We can learn how to live in a way that is less harmful to the planet. So, here are some books about sustainable living that can help you make small but impactful changes in what you buy and use.

1. The Sustainable(ish) Living Guide by Jen Gale

The Sustainable Living Guide

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If you’ve been wanting to do your part in saving the planet, but you don’t have the time nor the energy to sort the garbage and you have so much going on that remembering to bring your reusable coffee cup feels like a Herculean task, then this book is for you.

The Sustainable(ish) Living Guide covers every aspect of our lives – from the stuff we buy and the food we eat, to how we travel, work, and celebrate.

You’ll find lots of practical, down-to-earth ideas that you can use to do something differently in your daily life. This sustainable living book will help you take small steps to change your impact in this world, without making huge changes in your life. 

2. Grow Food For Free: The Sustainable, Zero-cost, Low-effort Way to a Bountiful Harvest by Huw Richards

Grow food for free

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Grow Food For Free came about when author, Huw Richards, set a challenge for himself – to grow fruit and vegetables for free for a year. He did it! So now, he wants to help as many people do the same through this sustainable living book.

The book details tried and tested advice on getting the materials you need and finding space to grow your own food. Richards suggests repurposing an old wooden pallet or looking in your fridge and cupboards for food that you can plant.

This is one of the best books about sustainable living if you’re looking for practical tips and clear instructions on how to grow fruits and veggies organically.

3. Building a Better World in Your Backyard: Instead of Being Angry at Bad Guys by Paul Wheaton and Shawn Klassen-Koop

Building a Better World in Your Backyard

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There’s a continuous debate on who’s fault it is that our oceans are polluted and our planet is in danger of overheating. But instead of being angry at people, the book Building a Better World in Your Backyard explores how you can make a huge, positive, world-changing impact from your home!

It offers dozens of solutions on how we can solve environmental issues. But the options they offer do not include the usual suggestions like writing to politicians, joining protests, and signing petitions.

In this book, the authors present other options like building a mutually-beneficial relationship with nature that doesn’t require anyone to sacrifice anything. What a world that would be!

This is why we recommend this book as one of the best books on sustainable living.

4. Simply Living Well: A Guide to Creating a Natural, Low-Waste Home by Julia Watkins

Simply Living Well

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The book, Simply Living Well is full of recipes, DIY projects, and inspiration for a beautiful and low-waste life. The author, Julia Watkins is also the creator of @simply.living.well on Instagram.

This is one of the best books about sustainable living that offers timely advice and motivational guides for living simply and sustainably at home.

Watkins shows you how to say no to wasteful packaging, harmful ingredients, and disposable items. It includes practical lists of easy swaps you can do. For instance, she suggests getting biodegradable sponges or Swedish dishcloths instead of disposable sponges.

You’ll also learn how to make wool dryer balls and herbal tinctures and balms. Plus, it has recipes for essentials like homemade nut milk, hummus, ketchup, salad dressings, and veggie stock.

5. Inconspicuous Consumption: The Environmental Impact You Don't Know You Have by Tatiana Schlossberg

Inconspicuous Consumption

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As long as we live on the same planet, the Earth connects us all. And that is how Schlossberg discussed how things we do in one corner of the world affect everyone.

The book, Inconspicuous Consumption breaks down how streaming a movie on Netflix in New York burns coal in Virginia. Or how eating a hamburger in California might contribute to pollution in the Gulf of Mexico.

But far from being depressing, Schlossberg makes the climate crisis and its solutions interesting. It also gives anyone a reason to care, even a little, about the planet.

She also empowers readers to think about what they buy and how it affects the environment in a new way. The book is a reminder that the fight against climate change has to involve all of us and we have to do it together.

As the first-place winner of the Society of Environmental Journalists’ Rachel Carson Environment Book Award, this truly is one of the best books on sustainable living.

6. Waste Not: Make a Big Difference by Throwing Away Less by Erin Rhoads

Waste Not

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Every year, we produce millions of tons of waste and it’s becoming a massive problem. Especially because less than 20 percent of waste is actually recycled and the rest still goes to landfills.

The waste we create includes thousands of dollars worth of food and an ever-increasing amount of plastic. As we know, plastic can take hundreds of years to break down and often ends up in our oceans or our food chain.

So, if you’re also shaking your head when you see unnecessarily shrink-wrapped veggies and want to know how to waste less, give the book, Waste Not a read.

This book details Rhoads’ journey of eating from plastic-packaged takeout while shopping online for fast fashion, to becoming one of Australia’s leading eco-bloggers.

In a funny and inspiring way, she shares everything she’s learned to help you start living with less waste too.

7. The Fate of Food: What We'll Eat in a Bigger, Hotter, Smarter World by Amanda Little

The Fate of Food

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The book, Fate of Food, is a fascinating story of how will we feed nine billion people sustainably in the coming decades.

The author, Amanda Little, is a professor at Vanderbilt University and an award-winning journalist. She spent three years traveling to many countries and the United States to bring us exciting and encouraging answers to the question.

For this book, Little interviews, and adventures with farmers, scientists, activists, and engineers. And then, she takes readers on a tour of how our food is made in the future. If you want to see what that looks like, pick up a copy of this sustainable living book.

In the book, Little shares a deeper understanding of the threats of climate change. At the same time, she tells readers of the awe and optimism that she found from learning the lessons of our past and of humanity’s resourcefulness.

8. 101 Ways To Go Zero Waste

101 Ways to Go Zero Waste

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Food waste is the most ridiculous problem the world is facing. According to Earth.org, one-third of the food produced every year – valued at $1 trillion USD– is wasted or lost. This is enough to feed 3 billion people. If you’re shocked and want some guidance on how to begin reducing your household waste, then let me introduce you to Kathryn Kellogg.

She can fit all her trash from the past two years into a 16-ounce mason jar. If you find that inspiring, 101 Ways to Go Zero Waste is the book for you. You’ll find Kellogg’s tips and more on how she did it.

The book also includes advice for responsible consumption. Plus you can start making better choices for home goods and fashion with her DIY recipes for beauty and home.

This is truly one of the best books on sustainable living. It’s a practical blueprint of realistic lifestyle changes for anyone who wants to reduce their waste.

9. Live Green: 52 steps for a more sustainable life (sustainable gift, self-sufficiency, sustainable home) by Jen Chillingsworth
Live Green

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Many of us are trying our best to adopt a greener lifestyle for the environment. So, we recycle, carry reusable bags, and make “meatless Mondays” a thing. But if you’ve been wanting to do more, reading the book Live Green is a good place to start.

This is a practical guide of 52 sustainable living changes – one for each week of the year. Each weekly change helps you to be more self-sufficient and reduce your impact on the environment.

It’s a treasure trove of ideas on how to live sustainably. You’ll find tips and hacks on how to make your own eco-friendly cleaning products and improve your natural beauty regime. You'll also learn how to create a capsule wardrobe and make your own ethical Christmas decorations.

What a treat to be able to save the environment, save money and live with intention! 

10. Minimal: How to simplify your life and live sustainably by Madeleine Olivia

Minimal How to Simplify Your Life

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In the book, Minimal: How To Simplify Your Life And Live Sustainably, leading environmentalist, Madeleine Olivia shares practical tips that make sustainable living achievable for everyone.

Inside you’ll find Olivia’s insights on how to care for yourself in a more eco-friendly way, as well as how to introduce a mindful approach to your habits.

It offers ideas on how to declutter your life and reduce your waste and consumption. The book also has recipes for eating seasonally and making your own natural beauty and cleaning products.

Pick up a copy of Minimal and discover how to live a happier and more fulfilled life while saving the planet.

Get inspired with these top sustainable living books

Pick one or two of these books about sustainable living and get reading! Get inspired to make even small changes in what you wear, eat and use.

Maybe you would even be motivated to look at how much food and stuff you throw out. Saving the planet might even save you some money!

The post 10 Top Sustainable Living Books appeared first on Clever Girl Finance.

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15 Most Practical Busy Mom Gifts https://www.clevergirlfinance.com/busy-mom-gifts/ Thu, 10 Feb 2022 18:25:16 +0000 https://www.clevergirlfinance.com/?p=17352 […]

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This article on most practical busy mom gifts contains affiliate links from Amazon. As an Amazon Associate, we earn from qualifying purchases which help us grow Clever Girl Finance! Please see our disclosures for more information.

Busy mom gifts

What are the most practical busy mom gifts? I’d say a good night’s sleep is the best gift any day. But seeing that sleep may be hard to wrap, we came up with a list of the best gifts for busy moms.

And don’t worry, these gift ideas for busy moms work for any occasion. So, you can use it as a guide whether you’re looking for a birthday, a Mother’s Day, or a just because gift.

But before we dive into our list of gift ideas for working moms, let's dive into what to look for when buying your gift!

What to look for when thinking of gift ideas for busy moms?

I feel like there are two kinds of mom gift recipients, the first group is easy to shop for because they have a list of things they want or need. And then, some don’t want anything and say that if they need something, they’ll just buy it.

You understand the sentiment, but then where do you start when you want to give them something? And yes, moms deserve presents just for all the things we do every day!

So, for practical gifts for busy moms, consider what she needs right now. You can’t stretch the day to give her more hours but maybe you can give her a robot vacuum to clean up after the toddler and the dog.

Also, try to take and infuse her personality into the gift. For instance, if she likes to cook, she’ll probably appreciate kitchen gadgets that will make meal preparations or clean up a breeze.

15 Fun and practical busy mom gifts

As we’ve mentioned above, when you’re looking for busy mom gifts, start with her needs and personality. And then, look at this list of gift ideas for working moms and pick one or two out to make her life easier!

1. A water bottle or a to-go mug

Every mom needs a water bottle or a to-go mug they can take anywhere, so these are always top of the list for practical gifts for busy moms. If a mom embraced her love for caffeine and drink four cups a day, get her a fun coffee mug that will keep her choice of beverage hot for hours.

For a breastfeeding mom or a mom friend who’s trying to up her water intake, a water bottle is one of the best gift ideas for busy moms. Check out this stainless steel water bottle with the appropriate #momlife to boot!

2. The Instant Pot

You know about Instant Pot, right? You have one, right? So, it’s your duty to get it for any mom you know who doesn’t have it yet.

Seriously though, have you gone anywhere in the last few years where Instant Pot wasn’t mentioned. But we have to agree, the hype is well-deserved.

That’s why this genius of a kitchen gadget is one of the best gift ideas for working moms. It saves you tons of cooking time, and makes clean up easy because it’s just one pot! Plus there are so many amazing recipes out there for Instant Pot owners to try.

3. A thawing plate

A thawing plate – a kitchen tool you can use as a defrosting tray to get frozen meats to room temperature quicker. Where has this been all my life!

Help out a busy mom avoid the 4 PM scramble of running warm water over rock-hard frozen food hoping it will defrost in time, get her a thawing plate. Honestly, the thawing plate is my favorite from this list of practical gifts for busy moms.

4. A coffee maker

I mean, I would prefer it myself if all my coffee drinks are prepared by Starbucks’ baristas. But sometimes, the kids want to put on their own shoes. And although I applaud their want to be independent, it makes us late for everything.

But even if there’s no time for Starbucks, or if you're trying to save the extra cash, there’s always time to make your own coffee. So, for the coffee-loving busy mom in your life, a quality coffee maker can be something of a lifesaver.

5. A blender

If there’s one kitchen appliance that works as much as the coffee maker in our home, it’s my blender. It pureed a lot of fruits and veggies when my kid was in the infant stage. 

And now that he’s learned to steal my smoothies, my blender gets pulled out of the cupboard almost every day. I’ve also been making a lot of Dutch baby pancakes lately and it’s easier to mix all the ingredients using my trusty blender.

Anyway, all I’m trying to say is, you can’t go wrong with a high-quality blender. It’s one of the best gifts for busy moms.

6. A robot vacuum

If you’re looking for practical gifts for busy moms, then one that cleans so mom can relax for a few minutes is top of the list. So, if you can swing it, why not get a mom a smart vacuum? 

Check out our sinking fund ideas to learn how you can save for a smart vacuum if you’ve been wanting to get your mom one.

7. Car Phone Mount

We all need to multi-task, sometimes or most of the time. So, for the busy working mom who needs to be on the phone while driving their kids to school and appointments and extra-curricular activities, get her a car phone mount.

It’s the most convenient and easiest-to-use option for holding your phone in the car. This is one of the best busy mom gifts to buy for the mom that does it all.

8. Charging dock

What home does not have multiple mobile phones, iPads, and all kinds of devices nowadays? So, help a mom stay organized and save time from looking for chargers at the same time.

Get her a charging dock, it’s a practical and easy way to charge devices. You can even get one that also charges watches and earphones. It truly is one of the most practical gifts for busy moms.

9. Headphones

This is one of the best gift ideas for working moms that I can get behind. I actually asked my husband for noise-canceling headphones for Christmas last year and I could not be happier with the one I got.

It helps me focus on Zoom calls, first and foremost. Plus, it’s such a nice way to listen to audiobooks while doing housework. I also love that I can put it on and dance around to music while making dinner.

10. Bag Organizer

As always, we want to help busy moms be as organized as they can. So, what better way to do that than to get them a bag organizer. This really is a game-changer. I like huge handbags and with an organizer, they don’t feel like bottomless pits anymore. A bag organizer is truly one of the best gifts for busy moms!

11. One-step hairdryer

Moms don’t want to show up anywhere with a bun, it’s just that with everything going on, that’s all we had time for. But what if there’s an easier way to look good and still get out of the door on time-ish?

This is what a one-step hair dryer and volumizer promises. Try it and get one for your mom friend, too. It's one of the best busy mom gifts for the mother on the go!

12. Bathtub Tray

If you’re looking for an indulgent but still practical busy mom gift, why not a bathtub tray? Get it for mom to get away for a hot bath, have tea or wine and even read in the tub. It feels too fancy, it elevates the experience of a simple hot bath, which is all we need to relax sometimes.

13. Cozy Slippers

Cozy slippers are another one of the most functional and practical gifts for busy moms. They might seem simple, but give a mom nice, soft, and luxurious slippers and she’ll appreciate you forever. A new mom who’s on her feet a lot rocking the baby will definitely love sliding her feet into cozy slippers.

14. Essential Oil Diffuser

For the busy mom who loves essential oils, get her a stylish essential oil diffuser. I’m sure she’ll appreciate you helping her get her zen vibe. If you can, ask for her favorite scents and include one or two in the gift.

15. Gift Cards

And last but certainly not the least on our list of the best gift ideas for busy moms are gift cards! Truly, if you’re in doubt, get a gift card. A gift card to Starbucks works for me and most moms, I’m sure.

Most moms will appreciate a gift card for a massage, a nail, or a haircut appointment as well. And of course, you can’t go wrong with an Amazon gift card. 

Give the best busy mom gifts!

We hope you found some inspiration in this list of the best gifts for busy moms. Some of these are items most moms don’t even know they need so, they won’t know to ask for them. But these will make them feel pampered and cared for while saving them time and helping them be organized.

Although, sometimes the best gift you can give to another mom is not a material thing but a gift of knowledge. So, why not sign her up for our completely free financial courses?

You can also share our articles and get her to tune in to the Clever Girls Know podcast and our YouTube channel for tips on all things money!

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Inner Contentment 101: How To Get Over Feeling A Lack Of Contentment https://www.clevergirlfinance.com/lack-of-contentment/ Fri, 28 Jan 2022 12:42:03 +0000 https://www.clevergirlfinance.com/?p=17038 […]

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Lack of contentment

Have you ever wanted something so bad, but you still feel unhappy and unsatisfied when you get it? This could be because you didn’t really want the thing. It could also be due to a lack of contentment.

Society tells us that our happiness is tied to our income, accomplishments, or possessions. So, we run around wanting more without getting any satisfaction. But the truth is, lack of contentment has nothing to do with the people around us, our circumstances, or what we own. Contentment comes from within ourselves.

In this article, we discuss what inner contentment really is, what causes you to feel a lack of contentment, plus tips on how to actually achieve inner contentment!

What is inner contentment?

Inner contentment is the acceptance of who you are and what you have at any given moment. Having inner contentment means you are not dependent on things, people, and circumstances to make you happy.

Hence, the secret of contentment is being in control of your own happiness. When you’ve developed a strong sense of inner contentment, your outlook in life is not easily shaken or changed by what’s happening in your environment.

On the other hand, lack of contentment is that feeling of being unhappy or “meh” about your circumstances. It could also show up as envy towards other people’s possessions and accomplishments.

As humans, we’re not very good at being true to ourselves or accepting our full selves. But your reaction to situations like a friend of yours posting a photo of her designer bag can tell you a lot about yourself.

Do you cheer her on, or do you say something negative? When you catch yourself being triggered and feeling jealous, don’t judge yourself. Acknowledge how you feel, consider it with curiosity, and use it as a tool to become self-aware, which is a great starting point in developing inner contentment.

What causes a lack of contentment?

The lack of contentment we feel is not surprising when almost everything around us promotes discontent. In this digital world we live in, we are bombarded with images and messages of not being enough until we have the house, the car, the awards, the perfect body, etc.

This is why the weight loss industry is worth $250 billion dollars. And that aside from the food and beverage industry, women’s clothing generates more income than any other sector in the world.

We have a society that encourages us to connect our values and self-esteem to what we do or have. On top of this, we also haven’t taken the time to figure out our values and priorities. 

Your values define what’s important to you and ultimately narrow down what you prioritize. But a lot of us walk around not knowing what we are because we’re too busy achieving goals that don’t make us happy and buying things we don’t really want.

We also get stuck in discontent when we base our contentment on things we can’t control. What other people think, what they feel, or how they’re going to react is beyond our control. So, when we rely on people to make us happy, it can lead to a lack of contentment and overall dissatisfaction with life.

5 Steps to get over feeling a lack of contentment

Learning to be content is a journey. When we have inner contentment, whatever is happening around us does not shake our peace. We remain happy with what we have while striving to do better without comparison, jealousy, or resentment.

Isn’t that such an inviting place to be? So, here are some steps you can take to get over feeling a lack of contentment.

1. Express gratitude

The secret of contentment is gratitude, especially for the little things. Sometimes we forget that we don’t need big reasons to be grateful.

It can be annoying to be reminded of this when you’re in debt or just trying to get by, and you see other people who seem to get everything they want. But take a deep breath and remind yourself that it is a blessing that you’re able to do that.

And then look around and pick out other details in your life that you’re lucky to have. These could be simple things like the little arms around your neck or big things like a promotion you’ve prayed for and already got.

There’s no shortage of things to be thankful for if that’s what you're looking for. The same way that you’ll feel a lack of contentment for everything you don’t have if that’s what you choose to focus on.

2. Develop healthy habits

Another secret of contentment is being healthy. When our bodies and minds are healthy, we feel good, which increases our sense of contentment. This is why it’s important for us to develop healthy habits towards things like what we eat, how we move, or how much screen time we consume.

So, take time to plan your meals or exercise, both of which are healthy habits that help build your inner contentment.

3. Pause to break the buying habit

Having a lack of contentment can cause you to buy things you don't really need. Try to plan and budget for your purchases. Marketing uses urgency to make you buy immediately, but remember it’s only a bargain if you were planning to buy it to begin with.

Give it a thought and decide on a timeframe you’d want to use – give yourself an hour, 24 hours, or a week, it’s up to you. Every time you get the urge to buy impulsively, pause and wait out the timeframe.

If you still want the item after waiting, then go ahead and buy it. But you’ll probably find that you won’t even remember why you wanted it. So, waiting will help you break the habit of shopping impulsively.

4. Connect with others

Surround yourself with people who have the qualities you want to develop. If you tend to be negative, befriend people who are happy and content. It will help you learn how to look at things from another perspective.

And cultivate loving relationships with the people you already have in your life. Invest time and effort to show them that you love them and appreciate them. Fill your days with kind words and actions, give more hugs and say “I love you” more often.

5. Live in the moment

A lot of people wait for the weekend, when they’re retired or that “one day” when everything they’ve ever wanted will magically happen. But that day may never come. Instead, take time to do one thing you enjoy every day, even if that’s just putting on your headphones and dancing to your favorite song.

This is the importance of contentment, you experience life now. You’re not waiting for a day when you can truly live. So, look for opportunities to savor the simple joys of daily life.

You may find that there’s so much happiness to be gained from mundane things like a walk, a good book, or a meal shared with the people you love.

Start with small changes to combat lack of contentment!

There is a freedom that comes from having inner contentment. You’re in control of your own happiness. And you can finally get off the hamster wheel of chasing goals, achieving milestones, or owning material things that society told you will make you happy.

This is the importance of contentment – you get to be you and enjoy who you are. Create the feeling of contentment by defining your values and making small changes like practicing gratitude daily. Now you know the secret of contentment so you can start living your best life today!

The post Inner Contentment 101: How To Get Over Feeling A Lack Of Contentment appeared first on Clever Girl Finance.

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Always Wanting More? How To Stop Wanting Things https://www.clevergirlfinance.com/always-wanting-more/ Thu, 20 Jan 2022 12:52:41 +0000 https://www.clevergirlfinance.com/?p=16878 […]

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Always wanting more

Are you content and happy with what you have right now? Or do you find yourself wishing and always wanting more? Would you want to learn how to stop wanting things you probably don’t need anyway?

If you answered yes to the last two questions, keep reading. We are going to discuss the causes of why you are always wanting more and give tips for how to stop wanting more!

Is wanting more bad?

Before we dive into how to stop wanting things, let's talk about if wanting more is wrong. The straight answer is no, wanting more for yourself and your family is not bad. The reason why you’re here learning how to invest, budget, or pay off your debts, is because you want more out of this life.

You probably want to pay off your debts so you can take time off and spend more time with your kids. You’re probably working on your budget so you can save up for a vacation with your parents. All of which are admirable goals.

Wanting more becomes a problem when we use it to measure happiness, success, and all the things we want in life. As Maslow’s hierarchy of needs showed us, people need to feel safe, belong, cared for, loved, and admired.

There’s nothing wrong with wanting a bigger house or the latest car model. It is not bad to want to be surrounded by beautiful, luxurious things. 

But wanting and acquiring stuff works against us when we use them to feel fulfilled in ways they can’t provide. According to a survey, we only use 20% of the things we keep.

So, we buy the designer purse to feel happy for a while, until it sits there forgotten. Because stuff can’t provide the feeling of safety, love, and belonging, we need as humans.

Why are you always wanting more?

This is such an interesting question, isn’t it? So, here are a few reasons we are always wanting more things we don’t need. Maybe one or two will resonate with you.

1. To fill a void

Sometimes, we use material things to make ourselves feel better when we’re lonely, grieving, or heartbroken. This is why at times when what we need is human connection, we go out and buy a new dress instead.

Also, we’re always wanting more because we use stuff to feel confident and admired. So, we try to impress other people with what we own rather than who we are.

2. Marketing

Back in 2007, the market research firm Yankelovich estimated that the average person saw up to 5,000 ads per day, which at the time was considered outrageous. But in this digital world we live in, it’s now estimated that the average person sees around 4,000 to 10,000 ads every single day.

Even if we take the low number, that’s still a lot of subtle messages telling us that we’re not attractive, happy, and fulfilled without the things they’re trying to sell. This also shows that it’s not entirely your fault that you’re always wanting more stuff.

So, when you get the urge to buy things you don’t need, don’t judge yourself. But be curious and try to figure out where you’ve got the idea. Most of the time, it’s probably from an ad or a story from your favorite celebrity or influencer.

3. Social media

I love the power of social media. It’s a great way to connect with our family and friends. But as we scroll through Facebook and Instagram, we notice what other people are buying or wearing. We see where they’re going.

Then, we get caught up in the comparison game or FOMO (fear of missing out). And that’s when we start wanting and buying stuff just because our family or friends have them.

How to stop always wanting more

Here are a few practices that you can do to be happy with what you have and how to stop wanting more.

Always wanting more tips

1. Practice gratitude for the little things

When we’re caught in the feeling of there's not enough, it can be difficult to be grateful. This is also true when you’re in debt or feeling restricted by your budget. During these times, I encourage you to go back to the basics.

Be grateful for waking up – for the ability to breathe. Have gratitude for the roof over your head and the running water that allows you to have hot showers.

See, when we’re stuck in always wanting more, our gratitude becomes very circumstantial. We think we need a reason to be grateful, we forget that we already have everything we need and more. Practicing gratitude for what you already have is how to stop wanting more things you don't really need!

2. Focus on yourself

Society thrives from our differences as humans. But because we’ve made up stories in our heads about what a successful, happy, fulfilled person looks like. We try so hard to become that person by buying the clothes, the house, and the car we think aligns with that image.

But if your definition of a successful person is someone who lives on a farm and reads all day, then you’re going to be unhappy no matter how big your house and expensive your clothes are.

So, take time to get to know yourself. Focus on giving yourself the experiences that make you happy instead of buying things. Instead of online shopping, maybe you can call a friend or a family member and have a giggle on the phone.

3. Live with intention

We all want to live with intention and on our terms – to find our purpose and contribute something worthwhile to the world. But, unfortunately, a lot of us are stuck on autopilot.

We want something else, but we keep going through the days without changing anything. Raise your hand if this is you. You’ve had the same new year’s resolution for more than two, three, five years now?

It’s funny, and I’m guilty of the same thing. But really, nothing’s going to change until we set an intention to do it and follow through with it. So, maybe this year, you can commit to creating a budget or taking some of Clever Girl Finance courses! (They are completely free!)

4. Remind yourself of what matters most

Take some time to define what’s important to you. Figure out if these things you want even align with your passions or what you truly desire in your life. This is how to stop wanting more of what others have and determine what you want for yourself. Try to answer these questions:

Get specific on your answers. Then, use them to remind yourself of what you want to accomplish next time you’re struggling with wanting more. And cut anything that doesn’t serve your ultimate goal. 

5. Take a social media detox

What is the easiest way how to stop wanting things? Take a social media detox! As we said above, social media is full of people you know and don't know showing off things they buy or expensive trips they are taking.

So, to stop the constant temptation of always wanting more, take some time away from social media and appreciate the wonderful things you already have!

Be thankful for what you have to stop always wanting more!

When you can separate material things from your need to be loved, be admired, and belong, you learn to stop always wanting more. And when you start spending mindfully, you also maximize your enjoyment because you get to have more and do more of what you love. So, you can get the latte after all, if that’s what you really want.

Learning how to stop wanting things just because other people have them will help you live your best and most authentic life!

The post Always Wanting More? How To Stop Wanting Things appeared first on Clever Girl Finance.

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12 Nice Things To Do For People Without Spending Any Money! https://www.clevergirlfinance.com/nice-things-to-do-for-people/ Tue, 11 Jan 2022 17:22:49 +0000 https://www.clevergirlfinance.com/?p=16705 […]

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Nice things to do for people

Small acts of kindness make the world a better place. Are you looking for ways to brighten someone’s day? Then check out our list of nice things to do for people without spending money.

But before we dive into our list, let's discuss why doing nice things for people is important!

Why should you do nice things for people?

As human beings, we are inherently good. We are caring, and doing nice things for people is ingrained in us. But to go into more details as to why it’s good for you to do nice things, science shows that givers benefit from being generous.

Studies show that people who give back and volunteer regularly are better able to cope with stress and less likely to experience burnout at work. That’s right, giving makes you a happier person! In the elderly, being generous contributes to longevity.

12 Nice things to do for people without spending money

I think we can agree that some people are inherently more generous than others. However, we shouldn’t look at it as a character flaw because most of us are products of our upbringing, beliefs, and culture. But as much as doing nice things for people is a virtue, it’s also a behavior that we can all practice doing more of.

Sometimes, I think we also underestimate the effects of small actions so we don’t offer it. For instance, a welcoming smile. If you think back to anytime you received a nice gesture, it brightened your day, right? To help you spread joy and practice more generosity in your everyday life, here are some ideas of nice things to do for people.

1. Give a compliment

A sincere compliment goes a long way, and it’s the easiest way to spread kindness. So, don’t hold back on compliments.

You like the color of the barista’s hair in the coffee shop, say it. It will only make their day better and maybe even push them to compliment someone else too.

In our digital world, you can give a compliment by commenting something nice on a friend’s photo on social media. It’s also especially helpful for small businesses if you can take the time to leave a positive review of a product or service you received.

2. Run an errand for someone

Do you have an elderly neighbor or maybe a family with young children? You could do a nice thing and offer to run an errand for them. Ask if they need some grocery items picked up or medications to refill, something simple you can easily do on your way from work.

3. Offer to babysit for your friends and neighbors

One of the nice things to do for people without spending money is to offer the gift of time. For new parents, this can mean the world! Offer to watch the kids even for just an hour. So, they can sit down for a proper meal, catch up on chores, or tackle their budget.

4. Take a friend or a neighbor’s dog for a walk

Offer to take a neighbor or a friend’s dog for a walk, such a sweet gesture is beneficial for everyone. You will have a chance to get some fresh air and exercise.

As doctors say, walking is the best way to improve or maintain your overall health. Your friend or neighbor can have some extra free time, and the dog gets its walk. Wins all around!

5. Offer to help your friends and neighbors out with a chore

Doing nice things for people can sometimes feel awkward because you don’t know how they’ll take it. But helping out your friends and neighbors out with a chore such as mowing the lawn or shoveling snow is a good start.

6. Bring food to share with your co-workers or cook a friend a meal

Ah, food – the way to everyone’s heart. Bring food to share at work, whether it’s fresh-baked cookies, spring rolls, or samosas. Your colleagues will love you for them.

You can also offer to cook a friend a meal, just because. No special occasion or reason is needed. If you know of a new mom or someone who’s sick, they would also appreciate a home-cooked dish.

7. Offer to teach someone with something you’re good at

Sharing your skills is another way to do nice things for people without spending money. You don’t have to be an expert at it either.

For instance, your neighbor’s kid might appreciate help on their math homework. If you have more time, maybe you can teach a kid a skill they can make money on, like baking or jewelry making.

An elderly neighbor or even someone you work with may also need help with technology like setting up a Facebook account to see pictures of their family.

8. Be a listening ear

Have you ever had someone sit with you and listen to your frustrations and worries? Did you feel good after? Can you do the same to a friend, a co-worker, or a stranger?

Get them to share their thoughts and feelings without pulling your phone out, invest a few minutes, and really listen. Because sometimes, all we need is a listening ear to feel seen, cared for, and loved.

9. Offer to take pictures of people

Selfies don’t always work, especially when you’re with a group, and you’re trying to get everybody in the picture plus the background. So, while you’re out and about, why not make it a habit to offer to take a photo if you see a couple or a family trying to capture a lovely moment. 

It’s such a small thing, but it's one of the most meaningful and nice things to do for people because you’re contributing to their memories. Isn’t that awesome to think about?

10. Reach out to someone you haven’t talked to in a while

Rekindle old friendships by reaching out to someone you haven’t talked to in a while. You may also just want to send a “thank you” note to someone who did you a favor some time ago.

Reach out and check up on people. They will appreciate that you are thinking about them.

11. Volunteer

You don’t necessarily need a charitable organization to help out or make a difference. But there are organizations for almost every cause you can imagine, and they could use some generosity.

Start by searching for organizations close to home. There’s always a need for volunteers. Here are some ways you can help out in your community:

  • Go to a homeless shelter to cook or serve meals.
  • Participate in a park clean-up event.
  • Help out during meal times at a local nursing home or assisted living facility.
  • Connect with a local organization to cook and deliver meals to people who are sick.

12. Donate your extra supplies and unwanted things

Go through your home and figure out what you can donate. You can support your local thrift shops or give to a bigger cause. But before you drop off your extra supplies and things you don’t need or want anymore, take time to research the charity to see what they accept.

For instance, your local Goodwill may not want your old blankets and worn-out towels, but animal shelters do.

And if you’re donating clothes, see if you can include a couple of socks. It is a much-needed item that doesn’t get donated a lot but that many people can use.

Try out this list of nice things to do for people and make someone's day!

There are many ways to do nice things for people without spending money. Take some inspiration from this list but know there are many forms of kindness. Don’t restrict yourself by what you can do or give. Every kind deed makes the world a better place.

So get out there and start doing nice things for people and improve their life and yours!

The post 12 Nice Things To Do For People Without Spending Any Money! appeared first on Clever Girl Finance.

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7 Tips For Navigating Motherhood As A Shy Mom https://www.clevergirlfinance.com/tips-for-shy-moms/ Wed, 22 Dec 2021 00:39:46 +0000 https://www.clevergirlfinance.com/?p=16467 […]

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Shy moms

There is no easy way to navigate motherhood, especially if you are a shy mom like me. But the load lightens when we have people on our side. Our kids can never have too many people looking out for them as well. And we all need friends and supportive communities so we can be the best parents to our kiddos.

However, if you’re a shy person like me, making new friends can be a little bit awkward and intimidating. Even if you already have a set of friends, they may not be in the same parenting phase as you.

Having a friend that’s also going through the same struggles as you can make all the difference. Your non-mom friends may listen to your stories, but other moms can commiserate with you over breastfeeding pains, potty training, etc. Other moms can also share and understand the heartache and joys of being a mom in the moment.

So, this article offers a few ideas to make motherhood easier for shy moms!

How to rock motherhood as a shy mom

Here are some tips you can utilize to find friends and supportive communities that can help you navigate this fulfilling and exhausting job that is motherhood.

1. Get to know your neighbors

Before our baby came, I mostly kept to myself when I was home. Since I've given birth to my son, I made efforts to be outside as much as I can.

We walked around the neighborhood and visited stores nearby. We spent a lot of time in the front yard, playing with water in the summers and making snowmen during winter months. That’s how I met some of the kids and moms in my neighborhood.

One family lived four doors away from us, and I didn’t even know! So, my first piece of advice if you're a shy mom is to open your doors and go outside. If you’re feeling bold, introduce yourself to your neighbors. Take your kids to the park, visit your local library for storytimes and take part in community activities.

The more chances you have to meet people, the better. You never know what meeting can lead to new friendships. Whether you’re a shy mom or an extrovert, we all need friends in this motherhood journey.

2. Try a mommy and baby class

If you’re in the infant and toddler phase, Mommy and Me classes and playgroups are accessible places to cultivate friendships with other moms.

You can always choose an activity that you actually enjoy like swimming, music or yoga. Start at your local library and recreation centers for free or inexpensive classes.

3. Join mom groups at church or school

One of the best ways for shy moms to find connections is through mom groups. So be on the lookout for playgroups you can join at your kiddo’s school. Your church, temple, or mosque is also a great place to look for mom groups like a workout or cooking group.

There are so many chances to connect with other moms, you’re sure to find an activity you enjoy while making new mom friends.

4. Volunteer

If you have the time, you can also join the PTA or help out at events in your child’s school, like the book fair or the bake sale. It might be extra work on your part, and you may need to venture out of your comfort zone as a shy mom, but it could be a great way for you to get to know the school community and establish friendships.

Because, as moms, we all need the support we can get. Sometimes, a coffee date and a listening ear can make a huge difference.

5. Sign your kids up for team sports or park and recreation classes

There are many benefits to playing team sports. Not only does it allow kids to participate in social interactions, but it teaches them to work together towards one goal. Playing together also helps them build skills like perseverance and leadership.

So, even if you don’t think of yourself as a soccer, football, or hockey mom, sign up your kids for team sports anyway. It’s also a good place for you to strike up conversations with other moms while your kids are playing or practicing.

The time and proximity to other parents will give you as many chances to be social, even as a shy mom. Keep an eye out for moms whom you may have an easy time with, the ones who are as quiet as you are or who get your humor.

6. Say “yes”

One of the hardest things about motherhood for me is the feeling of being alone and not having a minute to myself at the same time. As an introvert, I don’t relish the idea of big parties, but I say “yes” to most invites.

If you’re also a shy mom who is feeling lonely and wanting some new friends, this is your invitation to put yourself out there. Even if you need to give yourself a limit on how much time you can stay, say “yes” to the BBQ parties and holiday parties. Say "yes" to the jewelry, Tupperware, and makeup parties.

Treat the parties as a way for you to meet new people and forge deeper relationships with the moms you already know. All of which are ways for you to build your own village of mom friends.

7. Use social media if you're a shy mom

Sure, it’s nice to have friends you can grab a coffee or hang out with, but online friends still count. Don’t underestimate how helpful it is to have someone who understands your struggles, even if they live in another state.

If this is your first foray, try searching Facebook for groups that match your lifestyle. You can find Facebook groups for breastfeeding mamas, for instance. You’ll also find groups for parents living in the same area and support groups if you have a kid with ADHD.

Sometimes, if you’re meeting people for the first time, it’s also easier to ask to friend them on social media than ask for their phone number. So, definitely use social media to connect with and get to know the people around you as well.

How to raise an outgoing child if you are a shy mom

You know your kids the best, so you know if they’re showing overwhelm or anxiety over being surrounded by strangers. Some kids are generally more social and more comfortable in large groups than others. On the other hand, some are better at one on one interactions or small groups.

So, don’t let anyone shame you or your child if your kid belongs to the group of children who are introverted or shy. Kids are tiny humans with their own personalities and preferences. The best way to raise an outgoing child is to follow their lead and support their interests.

If your kid likes to say hi to everyone on your daily walk, let them. Similarly, if they get anxious and don’t want to join the other kids at the park right away, respect that too.

Also, kids are perceptive and mostly copy what they see you and others do. So, be mindful of the behaviors you are modeling.

Shy moms guide to making friends

As a shy mom, I like to be prepared and intentional when approaching certain people and situations, which includes meeting and talking to other moms in social settings. So, here are a few ways to do just that in your everyday interactions. Keep in mind that making friends doesn't have to involve spending money to hang out!

1. Bring extra supplies or toys

Pack extra supplies if your budget allows it. It’s a small gesture to offer some wipes or sunscreen to the mom who just ran out, but your preparedness can help a lot. Add in a few comforting words, and you’ll have an opening to talk. You never know which interaction will lead to lifelong friendships.

2. Give a compliment

As a shy person, I’m not one to start conversations, let alone go around telling people my opinion. I didn't think people would care about what I had to say. Turns out people do like to hear nice things about them, even if it’s just how much you like their shoes, etc.

So, try paying the next mom you meet a compliment. You can also try to get to know their kids and talk to them about something their kid is good at. Parents love hearing about their kids’ talents or good qualities.

3. Make up a mantra to say to yourself when you’re feeling anxious

A mantra is a statement that people repeat often because they think it’s true or they want it to be true. You can use existing mantras such as “all is well,” “this too shall pass,” or “I am at peace” to calm yourself down when you’re feeling anxious. You may also come up with your own that directly relates to what’s bothering you.

Find one that works for you. Remember that nothing is inherently wrong with you as a shy mom. But saying a mantra may help make it easier to put yourself out there and make meaningful relationships.

You can navigate motherhood and make friends even if you're a shy mom!

Being an introvert or a shy mom may make it difficult to connect with other moms, but the more moms you speak to, the better your chance of meeting someone who has the same interests as you.

Remember that not everyone is going to become your friend, and that’s okay. Keep trying, meaningful relationships take a bit of work but they’re worth it.

Did you know that one of the most important things to teach your kids about is money? Access our completely free "Set your kids up for success" bundle to get help teaching your children about money!

Plus, it's great for shy moms because you can learn in the comfort of your own home! Also, subscribe to the Clever Girls Know podcast and YouTube channel for top financial tips and more!

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12 Of The Best Side Hustle Books To Check Out! https://www.clevergirlfinance.com/side-hustle-books/ Fri, 17 Dec 2021 15:30:50 +0000 https://www.clevergirlfinance.com/?p=16300 […]

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This post on the best side hustle books contains affiliate links that help us grow Clever Girl Finance! Please see our disclosures for more information.

Side hustle books

Are you looking to get started on a side hustle, but you’re a little lost on the what and how of it all? Well, you should definitely check out our list of the best side hustle books for ideas and how-to guides!

Sometimes the term side hustle gets a bad rap, but it shouldn't because there are many benefits to having a side hustle and many reasons why someone would need one. Firstly, having multiple sources of income is empowering and should be on top of everyone’s goal.

Secondly, having a side hustle is a great way to explore your passion and learn or practice new skills. Lastly, making extra money on the side allows you to reach your financial goals faster, whether that is to pay off debt, save for your emergency fund, or max out your investment accounts.

Yes, we are here for all that! But before we dive into our favorite side hustle books let's discuss the benefits of reading them first!

Benefits of reading side hustle books

The main benefit of reading side hustle books is getting the information you need from people who’ve been where you are – the starting line. They understand your struggles, and they’ve also done what you’re trying to accomplish.

When you read a book, you learn and benefit from other people’s experiences. Reading side hustle books also provides you with practical ways of making money that you can put into practice.

Using knowledge from all types of sources like blogs and books makes you better prepared to tackle challenges along the way. Also, there are other benefits of reading such as:

  • Keeps your brain active.
  • Expands your vocabulary.
  • Relieves stress.
  • Improves your focus and concentration.

So you see there are many benefits to reading side hustle books!

Top 12 side hustle books to read

For me, reading books is like talking to a friend who gets what I’m going through. Plus, if you’ve been thinking of starting a side hustle, you want to learn from people who’ve been successful at it. So, go pick up a copy of these books or borrow them from your local library and start taking notes.

Here are our top 12 picks!

1. The Side Hustle Guide: Build A Successful Side Hustle & Increase Your Income

Side Hustle Guide Book

“The Side Hustle Guide” is written by Clever Girl Finance founder Bola Sokunbi, herself! It has all the information you need to start and build a profitable side hustle from the ground up, even if you don’t have any previous experience.

In this book, Bola also shares practical guides on how to create a business plan and establish a strong foundation for your brand. Truly one of the best side hustle books out there; pick up your copy to get inspired about starting a side hustle. You’ll also learn how to grow your new business and ultimately work towards building wealth!

2. Women With Money: The Judgement-Free Guide To Creating The Joyful, Less Stressed, Purposeful (And Yes, Rich) Life You Deserve

Women with money book

Women with Money” spurred from Jean Chatzky’s conversations with women on her podcast, HerMoney Happy Hour. The book explores women’s relationship with money while showing readers a pathway to a joyful, purpose-filled life.

Inside you’ll learn tactical solutions to get paid what you deserve because knowing how to negotiate your pay is critical. This is true whether you want to make money through entrepreneurship or being an employee.

So give this one a read for insights on taking control of your money and using it to create the life you want.

3. She Means Business: Turn Your Ideas into Reality and Become a Wildly Successful Entrepreneur

She means business Carrie Green

If you're creative, ambitious and you’ve been dreaming about becoming an entrepreneur, “She Means Business” by Carrie Green should be on your list of side hustle books to read. It presents practical and actionable tools to turn your passion and ideas into a profitable business with raving customers.

Carrie also offers valuable guidance to help you navigate overwhelm and self-doubt. If you're setting out to become a side hustler, fear and doubt can get in the way of success. That's why getting the right mindset is important.

4. The Ultimate Side Hustle Book: 450 Moneymaking Ideas for the Gig Economy

The ultimate side hustle book

If you’re looking to make some extra money while working your regular job, get a copy of “The Ultimate Side Hustle Book” by Elana Varon. Inside, you’ll discover ways on how to turn your time, space, skills, and stuff into extra cash. 

With 450 fun and resourceful side hustle jobs, you’re sure to find one that fits you and your lifestyle. In addition, it gives you information on the pay rates, what experience is required for each job and how you can find clients.

5. Side Hustle: From Idea to Income in 27 Days

From idea to income book

Side Hustle: From Idea to Income in 27 Days” is one of the best side-hustle books to guide you if you’re at the beginning of your hustle journey. It gives a step-by-step plan where you learn how to come up with ideas from your experiences and interests. You'll also learn how to build a solid brand around your product or service to grow your business.

Chris Guillebeau compiles the side hustle stories of hundreds of entrepreneurs who successfully built businesses around their day jobs in this book. So, give it a read if you’re looking to create additional streams of income without quitting your job.

6. 100 Side Hustles: Unexpected Ideas for Making Extra Money Without Quitting Your Day Job

100 Side hustles book

The “100 Side Hustles” came from author Chris Guillebeau’s conversations with guests on the Side Hustle School podcast. It is full of insights, photography, and stories of people successfully making money from following their passions and interests.

The book features case studies following individuals and entire families who’ve found ways to create new sources of income. It also covers important aspects of starting a side hustle such as finding customers to developing products.

Give this side hustle book a read and get inspiration for your next big idea.

7. So You Want to Start a Side Hustle: Build a Business that Empowers You to Live Your Life, Your Way

So you want to start a side hustle

The authors of “So You Want to Start a Side Hustle,” Carrie Bohlig and Craig Clickner, started just like you. They were looking for ways to make their lives better and to have more freedom with their time.

Since then, they’ve built thriving businesses and helped people by sharing the lessons they’ve learned on their journey to success. In this book, you’ll discover how to get your idea from the thinking and planning stages to the profitable venture you want it to be.

This is one of the best side hustle books for people who want to forge their own way and use their side hustle to create their own version of successful living. 

8. The Big Life: Embrace the Mess, Work Your Side Hustle, Find a Monumental Relationship, and Become the Badass Babe You Were Meant to Be

The big life book

The Big Life” is all about the life you’ve been dreaming of – passion, career, respect, money, and meaningful relationships. And author Ann Shoket wants you to have it all. Her goal with this book is to help you recognize your potential, motivate you to reach your dreams, and create your own version of The Big Life.

This is one of the must-read side hustle books for millennials trying to build a career from their passions. It features actionable guidelines and personal advice from Ann and high-profile millennials on embracing life’s messes, finding a supportive community, and other aspects of womanhood.

9. Don't Keep Your Day Job: How to Turn Your Passion into Your Career

Don't keep your day job book

Don't Keep Your Day Job” is an inspiring book about turning your passion into profit. The author Cathy Heller is also the host of the popular podcast, Don't Keep Your Day Job. She shares wisdom, anecdotes, and practical suggestions from her successful guests like Jenna Fischer, Gretchen Rubin, and Jen Sincero.

In reading this book, Cathy wants you to examine your life to find your purpose. Inside, you’ll also learn how to build your side hustle, how to find your tribe, and build a life you love.

10. Business Boutique: A Woman's Guide for Making Money Doing What She Loves

Business boutique Christy Wright

Business Boutique” will help you build a side hustle around your passions and interests. This book is a great read for beginners looking to take their ideas and turn them into action.

Christy Wright included guidelines on planning, starting, and growing a money-making venture. You’ll also find simple explanations for the practical and tedious aspects of business like taxes, budgeting, and pricing.

11. Buy Buttons: The Fast-Track Strategy to Make Extra Money and Start a Business in Your Spare Time

Buy buttons book

Author Nick Loper is also the creator of SideHustleNation.com. In "Buy buttons," he shares strategies he’s learned from being an entrepreneur to help you increase your earning potential on your own time and your own terms. Wouldn’t you want to make more money and be your own boss?

This book provides tried and tested income-generating ideas and more than 300 platforms where you can find customers ready to buy your products. Buy Buttons is one of the best side hustle books if you are ready to create new income streams, but you’re hesitant because you don’t have much time or money to get started.

12. What If It Does Work Out? How a Side Hustle Can Change Your Life

What if it does work out book

This book is an excellent read for anyone thinking of joining the 40% of Americans who already have a side hustle. Susie Moore wants you to ask, “What if it does work out?” and get motivated to pursue the life of your dreams.

She offers guidance to overcome your fear and doubts. She shares actionable steps and tips you can use to finally start making money from something you love to do.

Use these side hustle books to help you start your own business!

If you’re reading this, you probably have a vision for the life you want to live. You’re probably dreaming of having more free time or having more money for things that matter to you.

So, why not start with reading a book or two from this list to learn about side hustles. Maybe you’ll pick up some ideas and inspiration to give your future self the life you’re dreaming of now.

Do you want to learn how to start your own side hustle for free? Then enroll in our completely free "Build your business" bundle! You will learn how to create a solid business plan, simplify your business finances, plus work on branding and marketing to grow your business.

Also, make sure you subscribe to the Clever Girls Know podcast and YouTube channel for more tips on earning more money and building wealth!

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How To Look Expensive On A Budget! https://www.clevergirlfinance.com/how-to-look-expensive-on-a-budget/ Sun, 21 Nov 2021 14:53:16 +0000 https://www.clevergirlfinance.com/?p=15690 […]

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Do you struggle to get dressed, let alone put outfits together? Don’t worry. This list will help you get started on how to look expensive on a budget and make you feel your best every day! 

Because whether you have the money or not, the latest designer trends might be the last thing you want to spend on. And we know you’d rather invest and watch your money grow. Thankfully, you don’t need to pay top dollar to look stylish. So, let’s dive in.

12 Ways how to look expensive on a budget

Below are several ways to help you dress expensive on a budget. Use these tips to guide you when you get dressed every day. And remember them when you go shopping as well.

1. Utilize neutral colors

There is a place for bold colors in your wardrobe, of course. But when it comes to looking classy and stylish, wearing neutrals is one of the best tips for how to dress expensive on a budget. So, choose black, navy blue, beige, grey, white, muted green, brown, or taupe to anchor your outfits.

Neutrals don’t go out of style. This means you won’t need a lot of pieces in your wardrobe. And you can easily style them with bright and bold colors if you want.

2. Invest in timeless pieces

The key is quality over quantity. Buy versatile, classic pieces that won’t go out of style any time soon. So, as tempting as it is, keeping up with trends is the fastest way to overspend and fill your wardrobe with clothes that don’t fit your personal style or go together well.

Next time you’re out shopping, save your money and maybe get a great pair of jeans that will last you for a few years rather than going for whatever is on-trend right now. And maybe it’s time to break up with the trendy lifestyle influencers that might be making you broke too!

Look expensive on a budget

3. Wear clothes that fit well

Another way to look expensive is to make sure you wear clothes that fit your body well. First, choose pieces that flatter your figure and are well-tailored. Then, before buying anything, try different styles to find the one that fits you best.

Because, as you know, two pairs of pants can be labeled the same size but still be different in length or width. And, of course, a good fit is a must for a polished look.

4. Take care of your clothes

Another tip on how to dress expensive, that you can easily do, is to take care of your clothes. This includes making sure they’re freshly ironed or at least not wrinkly. And make sure you are checking and following washing recommendations, especially for fabrics like silk, wool, or cashmere.

It’s also best that you hang dry most clothing items as dryers break down the fabric, which causes it to shrink and look worn. And if you wear a lot of button-down shirts, pay attention to the collar area because it can get stained with makeup or lotions. So, you can wash or soak them immediately after wearing them.

How to look expensive

5. Opt for structured clothes over slouchy

We all love to be comfortable and want to do that with oversized clothing. However, slouchy clothes can easily drown you with all that extra fabric, which can end up looking frumpy and shapeless. Choosing structured clothing over slouchy is another way how to look expensive on a budget.

Structured doesn’t have to mean uncomfortable and tight. Instead, it refers to items that have shape even when you’re not wearing them, such as a blazer, jeans, or a structured dress. They help keep a well-balanced proportion for most body types.

6. Pay attention to fabrics

The fabric used to make a piece of clothing also speaks to the item’s quality. And some fabrics look and feel more luxurious than others.

Next time you're out shopping, invest in natural fabrics like cotton, silk, Tencel, wool, and linen. Natural materials are also sustainable and durable, which makes the clothes last longer and better for your budget.

7. Good grooming goes a long way

Taking good care of yourself is how to look expensive on a budget! This means making sure you have clean nails and are well-groomed. And prioritize staying hydrated, exercising, and getting the right amount of sleep because your skin and overall appearance show how well you take care of yourself. Get motivated to take better care of yourself with our 30-day glow-up challenge!

8. Keep your makeup simple

Most often than not, simple makeup makes you look more polished and expensive than full makeup with 15 different beauty products. Additionally, beauty products can be costly, so keeping your everyday makeup simple is an easy way to trim your budget.

Less makeup is also good for your skin, and it saves you time in your morning routine. Try out our minimal makeup routine to get started!

9. Style your hair

If you’re looking for ways on how to look expensive, know that unkempt hair is not part of the equation. So, first, take care of your hair and trim it regularly to get rid of any split, damaged ends. And then, for elevated style, try to learn a few simple and understated hairdos.

Go for classic styles that rest at the nape of the neck, like a short hair cut, a side or center part, low ponytail or a bun, a simple French twist, or a French braid. If your hair is natural, twist-outs and braids are great styles. These hairstyles can make you look elegant, expensive, and put together in minutes.

10. Carry a structured bag

Handbags and purses are some of the first accessories that other people tend to notice about you. And a structured bag pulls together and elevates your style, which would definitely make you feel like a million bucks.

So, opt for bags that have edges, flat surfaces, and hold their shape. They’re an easy accessory that can transform your outfits without much work on your end.

11. Don’t forget about shoes

A whole outfit can be built around shoes, and a fabulous look can also be ruined by untidy shoes. Keeping your shoes in good shape is another way how to look expensive on a budget. Make sure your shoes are polished and in good repair.

Get a shoe polish kit and moisturize your leather shoes. And treat them with waterproof sprays to protect them from rain, snow, and spills. Treating and cleaning your shoes also help extend their life – good news for your budget because you won’t need to replace them often.

Bonus tip on footwear: opt for pointed-toed shoes for a longer, leaner look. Pointed-toed shoes elongate your legs and give the illusion that you are taller than you are.

How to dress expensive

12. Wear the right amount of accessories

There is no one rule for accessories if you’re looking for ways on how to dress expensive on a budget. Dainty, minimalist, and simple jewelry is great for everyday wear. But a pair of hoop earrings, a cool bangle, or a chunky can also elevate an outfit. 

So, the trick is to wear the right amount of accessories and match them with your style and body type. This means you only need one statement piece for that extra visual effect.

Savvy ways to save and look expensive

There are many tips and ways on how to dress expensive on a budget, but the most important is paying attention to details. Checking if the buttons on your clothes are mismatched or missing, for instance, doesn’t cost a lot of money. And since we’re all about saving, check out these savvy ways to elevate your wardrobe while staying within your budget.

1. Organize your closet

Organizing your closet is one of the ways you can achieve your goal of dressing expensively.  Go through your clothes and declutter your closet. Toss items that are out of style. The same goes for items that don’t fit you or are beyond repair and make way for a wardrobe that's expensive and chic.

2. Create new outfits with what you already have

One of our tips on how to look expensive is to avoid slouchy clothes. But if you already own lots of oversized pieces, experiment and create new outfits. You can pair slouchy items with structured pieces for a flattering look.

Do this by wearing a day dress with a tailored blazer or an oversized sweater with fitted trousers. There are tons of ways to upcycle your clothes to give your wardrobe a new and fresh look!

How to dress expensive on a budget

3. Buy items on sale

Clothing items go on sale all the time. And with a little bit of planning, you can take advantage of seasonal sales and save money. You only have to remember one rule: when demand is high, prices are high, and when demand is low, prices are low.

So, if you’re looking for a winter coat, the best time to buy is at the end of the season when stores are clearing inventory to make way for next season’s items.

4. Buy one piece at a time

Take the time to evaluate and organize your wardrobe to see what you need. According to CreditDonkey, most adults spend around $161 a month on clothes. If you’re not sure how much you spend, then it might be time to add a “style” category to your budget and set a certain amount each week or month for new clothes, accessories, or handbags.

Also, try to buy one piece of clothing at a time and be intentional and mindful of what you’re buying. This way you can own a stylish wardrobe on a budget.

You can look expensive, even on a budget!

We hope these tips on how to look expensive on a budget help you create a stylish wardrobe. Remember to pay attention to details, and that simple and clean goes a long way. Lastly, it’s how you feel about yourself that’s most important every single day!

Learn to craft a budget that suits your needs and includes room for style with our completely free budgeting course! For more practical financial tips, be sure to follow Clever Girl Finance on YouTube, and tune in to the Clever Girls Know podcast!

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25 Of The Best Leadership Books For Women https://www.clevergirlfinance.com/best-leadership-books-for-women/ Tue, 09 Nov 2021 11:11:53 +0000 https://www.clevergirlfinance.com/?p=15243 […]

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This article on the best leadership books for women contains affiliate links from Amazon. Affiliate links help us grow Clever Girl Finance! Please see our disclosures for more information.

Best leadership books for women

We created this list of the best leadership books for women to help you step into your power. But first, what is a leader? These are some of the definitions that came up: a person who makes things happen, an advocate of a particular idea, and a person who teaches.

Going by these definitions, every woman is a leader. This is true whether you run a business, work for someone or manage your household. You are always leading someone, whether they’re your children, your co-workers, or your employees. So, let's dive in and find you your next read.

Why leadership books for women are important to read

Reading books is one of the best ways to learn. Any of the books in this list of leadership books for women will help you grow personally and professionally. So, pick a title or two and give them a read if you hold a leadership position of any kind.

When you read a book, you receive insights and knowledge acquired through years of experience and research. In addition, you enjoy the other benefits of reading like:

  • Reduces stress and anxiety
  • Helps you fall asleep faster
  • Improves brain connectivity
  • Increases your vocabulary and comprehension

25 Of the best leadership books for women

Whether you desire personal growth or create more impact through your work, I hope this list of women leadership books inspires you. Start with the one that intrigues you the most and see how the leadership lessons you'll learn can change your life for the better.

1. Dare to Lead: Brave Work. Tough Conversations. Whole Hearts.

Brene Brown describes herself as “a researcher, storyteller, and Texan who’s spent the past two decades studying courage, vulnerability, shame, and empathy.” She's a bestselling author and she also hosts the podcast, Unlocking Us. However, she may be best known for her TED talk on vulnerability that's one of the most viewed in the world.

Her Dare to Lead book is the result of Brene’s research and study on courage and leadership. She invites readers to start leading with empathy, connection, and courage. And in this book, she shares practical, courageous, and mindful guides to leading. It truly is one of the best leadership books for women.

Dare To Lead Book

2. Lead from the Outside: How to Build Your Future and Make Real Change

Stacey Abrams is a bestselling author, businesswoman, nonprofit CEO, and political leader. She is currently one of the most known black woman politicians in the United States. She's a force to be reckoned with. And her list of accomplishments is a mile long, but she’s just getting started.

Lead from the Outside is a guide for outsiders who are ready to make a difference. Stacey shares that finding what you want to fight for is as important as knowing how to turn your thoughts into action. And in this book, she uses her insights to break down how ambition, fear, money, and failure function in leadership while offering personal stories to showcase practical strategies.

Lead From The Outside

3. The Likeability Trap

Alicia Menendez is an award-winning journalist and anchor. She also hosts the podcast, Latina to Latina.

The Likeability Trap describes the pressure put on women to be “nice” at work, at home, and in every circumstance or interaction.

The Likeability Trap

It explores the price women pay for taking on and giving in to the demand for niceness. In this book, Alicia empowers readers to let go of old rules and reimagine leadership. Give this a read because there are no other leadership books for women like it.

4. In the Company of Women: Inspiration and Advice from over 100 Makers, Artists, and Entrepreneurs

Grace Bonney is an author, blogger, and entrepreneur. She’s the founder of Design*Sponge and Good Company magazine. She also hosts the weekly podcast, After the Jump.

In the Company of Women is a book featuring more than 100 stories of exceptional and influential women.

In the Company of Women

It tells how they embraced their creative spirit, overcame hardship, and started a worldwide movement. This is a valuable book that’s constantly included in lists such as Best Holiday Gift Book, Best Gift for Coworkers, and Best Mother’s Day Gift. And now it’s on our list of the best leadership books for women as well.

5. We Should All Be Feminists

Chimamanda Ngozi Adichie is a bestselling, award-winning author whose work has appeared in numerous publications. She was also named one of TIME Magazine’s 100 Most Influential People in the World and Fortune Magazine’s one of the World’s 50 Greatest Leaders.

We Should All Be Feminists is an essay that offers a fresh definition of feminism. It is adapted from her TED talk with the same title, where she explores what it means to be a woman now and why we should all be feminists. If you’re only going to read one title from this list of leadership books for women, get this one.

We Should All Be Feminists

6. Power Moves: How Women Can Pivot, Reboot, and Build a Career of Purpose

Lauren McGoodwin is the founder of Career Contessa and host of The Femails podcast. She also speaks and writes on women’s careers, appearing on stages like TED Women and outlets such as Good Morning America, Goop, and more.

Pick up a copy of Power Moves if you’re looking for women leadership books to help you build a successful career on your own terms. In addition, it offers information, guidance, and tools to help women take decisive actions without the nagging feeling of self-doubt.

Power Moves

7. The Fear-Fighter Manual: Lessons from a Professional Troublemaker

Luvvie Ajayi Jones is a bestselling author and a sought-after speaker. She’s known for her humor and honesty as a professional truth-teller.

In The Fear Fighter Manual, Luvvie brought her signature wit guided by the influence of her inspiring grandmother.

The Fear-Fighter Manual

She believes that truth-telling is a muscle. So, in this book, Luvvie encourages readers to become professional troublemakers: people who are committed to not letting fear talk them out of the things they need to do or say to live free.  

8. Originals: How Non-Conformists Move the World

Adam Grant is a bestselling author and one of TED's most popular speaker. He also hosts the chart-topping podcast, WorkLife. In his work as an organizational psychologist, Adam is a leading expert on how we can find motivation and meaning to live more generous and creative lives.

In the book, Originals, he examines how to change the world by getting rid of old traditions. He looks at what happens when leaders advocate for ideas and values that go against the grain.

Adam uses stories and studies to show readers how to be a leader that value originality. And that’s why we included it in our list of best leadership books for women.

Originals How Non-Conformists Move the World

9. Million Dollar Women: The Essential Guide for Female Entrepreneurs Who Want to Go Big

Julia Pimsleur is a business coach and a mindset expert. She’s also the founder of Million Dollar Women, a company helping women entrepreneurs grow their businesses.

Million Dollar Women is a great example of a women leadership book that is rich in ideas and valuable insight. It offers tons of wisdom on how to build a million-dollar business. It also shows you how to fundraise, hire the right people for your team and find mentors.

Million Dollar Women Book

10. My Own Words

Besides being US Supreme Court's second female justice, Ruth Bader Ginsburg was a creative writer and public speaker. She died in 2020 at the age of 87 after a long battle with cancer. But she will be remembered as a legal, cultural and feminist icon.

RBG was a strong voice in favor of gender equality and workers’ rights. She discussed the same topics in her book, My Own Words.

My Own Words Book

And, of course, it came with her trademark engaging but serious wit. This book lets readers in the life of one of the most influential women leaders of our time. Is it a wonder why it’s on our list of the best leadership books for women?

11. More Than Enough: Claiming Space for Who You Are (No Matter What They Say)

Elaine Welteroth is a bestselling author, TV personality and award-winning journalist. She became the youngest Editor-in-Chief at a Condé Nast publication when she was appointed the first Black beauty editor of Teen Vogue.

Through her work, Elaine is now a leading expert and advocate for the next generation of change-makers.

So, she has written “More Than Enough” as part memoir-part manifesto to encourage future leaders to claim space for themselves despite naysayers or self-doubt.

More Than Enough Book

12. How Remarkable Women Lead: The Breakthrough Model for Work and Life

Joanna Barsh is a best-selling author and the director emeritus at McKinsey & Company for more than 30 years. Susie Cranston also worked as an organization consultant at McKinsey & Company. And they both helped develop and launch The Centered Leadership Project.

Pick up a copy of How Remarkable Women Lead if you're looking for a hopeful perspective on what it means to be successful. It also offers unique ideas of success based on five years of research. In addition, you're treated to remarkable stories of successful women leaders.

How Remarkable Women Lead

13. Thrive: The Third Metric to Redefining Success and Creating a Life of Well-Being, Wisdom, and Wonder

Arianna Huffington is the co-founder and editor-in-chief of the Huffington Post Media Group. She is also the founder and current CEO of Thrive Global. In addition, she has written fifteen books, and she is celebrated as one of the world’s most influential women.

Thrive came to being when Arianna found herself suffering from exhaustion and lack of sleep. In the book, she discusses how the current definition of success has led to widespread burnout and stress-related illnesses.

Thrive Book

So, she proposes that readers include well-being as the third metric for success, beyond money and power. Arianna also reminds us to connect to what truly matters. And this is why it’s one of the best leadership books for women.

14. Becoming

Michelle Obama is a lawyer, a speaker, and the first African American to serve as First Lady of the United States of America (in case you didn’t know!). She is easily one of the most recognized, most iconic, and compelling women of our era.

Becoming is Michelle’s memoir. It tells the stories that have shaped her. And we meet a woman of soul and substance who defied expectations. This is a deeply inspiring book.

And it's one of the best leadership books for women because it shows how Michelle she embodies grace, compassion, and humility under an unforgiving spotlight.

Becoming Book

15. Girl Code: Unlocking the Secrets to Success, Sanity, and Happiness for the Female Entrepreneur

Cara Alwill Leyba is a bestselling author, blogger, and speaker. She also hosts the top-rated podcast, Style Your Mind.

Cara was an early voice in the female-driven movement. Her work is centered on empowering women to create their own opportunities.

In her book Girl Code, she shares ways to build your confidence, let go of jealousy and support other women.

Girl code Book

16. The Making of a Manager: What to Do When Everyone Looks to You

Julie Zhuo is one of Silicon Valley's top product design executives. She leads the teams behind some of the most popular web and mobile services that we all use. Julie also writes about technology and leadership for major outlets and on her blog, The Year of the Looking Glass.

The Making of a Manager covers Julie’s examination and insights of her experience as one who became a rookie manager at the age of 25. It is packed with everyday examples and models of how a great manager is made.

The Making of a Manager

17. The Confidence Code: The Science and Art of Self-Assurance - What Women Should Know

Claire Shipman is a regular contributor to Good Morning America and other national broadcasts for ABC News. And Katty Kay is a bestselling author and also an anchor of BBC World News America. She is also a contributor to Meet the Press and Morning Joe.

The Confidence Code makes our list for women leadership books because it is written for every woman in every career stage. It offers life-changing advice that women can use to gain confidence. This book is also a practical guide that can help you reach your goals and the careers you deserve.

The Confidence Code

18. Ask for It: How Women Can Use the Power of Negotiation to Get What They Really Want

Linda Babcock is a professor of economics at Carnegie Mellon University. She’s also a specialist in negotiation and dispute resolution. On the other hand, Sara Laschever's work has been published in major publications, including the New York Times, the New York Review of Books, and Vogue.

Ask For It It explains why women should ask for what they need, whether a raise, an overdue promotion, an exciting new assignment, or even extra help around the house. It provides problem-solving strategies, bargaining tips, and advice to help readers ask effectively.

If you’re looking to improve your personal and professional life, give any of these leadership books for women a read.

Ask For It book

19. Own It: The Power of Women at Work

Sallie Krawcheck is a former Wall Street powerhouse who became an entrepreneur. She is also the founder and CEO of Ellevest.

In Own It, Sallie draws on her own experience in the men-dominated Wall Street offices to show women how to navigate the world and achieve their own success.

She believes a change is coming. And it’s time for women to embrace our innate strengths and use them to gain power in our professional lives. 

Own It The Power of Women at Work

20. The Next Generation of Women Leaders: What You Need to Lead but Won't Learn in Business School

Selena Rezvani is an author and speaker on various topics for professional women. She currently serves as a columnist on women and the workplace for Forbes and Philadelphia Magazine.

The Next Generation of Women Leaders is a collection of stories from businesswomen who achieved great successes in their fields. This is one of those women leadership books you’d want to read if you want to feel empowered.

The Next Generation of Women Leaders

21. Know Your Value: Women, Money, and Getting What You're Worth

Mika Brzezinski is a journalist, talk show host, political commentator, and author. She currently co-hosts the weekday morning broadcast show, Morning Joe.

Know Your Value is a discussion revealing the problems women face and why we're paid less. This book features interviews with successful women like Valerie Jarrett, Susie Essman, Nora Ephron, Sheryl Sandberg, and Joy Behar.

Know Your Value Book

22. Start With Why: How Great Leaders Inspire Everyone to Take Action

Simon Sinek is known for his multiple bestselling books on leadership. But you may have seen his viral videos as well.

In Start With Why, Simon studied history's greatest leaders. And he found that they all think, act and communicate the same way. Most importantly, Simon learned that every great leader started by asking, “Why?” So, he urges you to do the same.

Start With Why Book

23. Successful Women Think Differently: 9 Habits to Make You Happier, Healthier, and More Resilient

Valorie Burton is a bestselling author, speaker, and life coach. She’s also the founder of The Coaching and Positive Psychology (CaPP) Institute.

In Successful Women Think Differently, Valorie shares exactly how you can build new ways of thinking to help you succeed in your relationships, work, health and finances. She's sharing what she learned from her work spans that two decades of helping people.

Successful Women Think Differently

24. Nice Girls Don't Get the Corner Office: Unconscious Mistakes Women Make That Sabotage Their Careers

Dr. Lois P. Frankel is a bestselling author, coach, and world-renowned expert in leadership development for women. She's also the current President of Corporate Coaching International.

Nice Girls Don't Get the Corner Office is one of the best leadership books for women because it looks at women’s characteristics that keep them from achieving their goals. Give this book a read to learn how to recognize these traits in yourself and gain tips on what to do instead.

Nice Girls Don't Get The Corner Office

25. Choosing to Prosper: Triumphing Over Adversity, Breaking Out of Comfort Zones, Achieving Your Life and Money Dreams by Bola Sokunbi

Choosing to Prosper: Triumphing Over Adversity, Breaking Out of Comfort Zones, and Achieving Dreams, by Clever Girl Finance founder and finance leader Bola Sokunbi is one of the best leadership books for women.

If you struggle with imposter syndrome and lack confidence as a leader then this is a must-read. Bola provides the tools readers need to build confidence, find their voice, and realize personal and business growth.

Choosing to prosper book

 

Add these best leadership books for women to your reading list!

So to continuously grow in this life, we must have a thirst for knowledge. And one of the ways we can improve our personal and professional lives is to take advantage of resources available to us.

And as we know, a good book can inspire and help us change our mindset, grow our finances, and uplevel our careers.

Learn to take the lead with your finances with our completely free "Build a solid foundation" bundle! You will learn how to transform your money mindset, organize your finances, create financial goals, and create a customized budget.

Also, tune in to the Clever Girls Know podcast and YouTube channel for more top financial tips!

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25 Budget-Friendly Spring Bucket List Ideas https://www.clevergirlfinance.com/spring-bucket-list/ Fri, 22 Oct 2021 12:16:43 +0000 https://www.clevergirlfinance.com/?p=14849 […]

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Spring bucket list

It's never too early to start thinking of fun activities to embrace the crisp air of spring! However, it's easy to overspend if you don't plan ahead. So we've gathered up budget-friendly spring bucket list ideas you can do for spring break, a staycation, or any spring weekend. These activities are perfect for adults, kids, and everyone in between.

Why you should have a spring bucket list of activities

A list is an excellent way to keep track and remember the fun activities you’d like to do. It’s also a great practice to get your kids or household involved in making a spring bucket list for the family to try this year. This way, you can be intentional about how you spend your time and money.

Making a list also saves you money! Keeping kids entertained can be expensive without proper planning. And there’s no surefire way of blowing your monthly budget than giving in to an impulse run to the mall or Target because you have nothing to do on a Saturday afternoon.

25 Fun and budget-friendly spring bucket list ideas

Here are some excellent spring bucket list ideas to help you plan and spend some quality time with your family and friends.

1. Dine outdoors

One of the best ways to enjoy the warmer weather is to dine outside. Set up your backyard early this spring so you can take lunches or dinners out there. You can also enjoy the crisp spring air at your favorite restaurants.

Bonus tip: Patio dining is not as crowded in the spring months, so you get more room and privacy.

2. Feed the ducks

If you have small children, then you should definitely include this in your spring bucket list. When I used to nanny, feeding the ducks was such a fun activity that brought lots of squeals and smiles from the kids.

Now that I have my own kids visiting the ducks is also one of their favorite things to do. We’re lucky to live in a neighborhood with lots of walking trails and little ponds. It’s always exciting for them and for me to see the flocks of ducks and mallards.

Also, be mindful of the dos and don’ts of feeding wild ducks. Avoid bread and crackers as they have no nutritional value to ducks and can cause malnutrition and painful deformities. Bring cracked corn, oats, rice, birdseed, frozen peas, chopped lettuce, or sliced grapes for the ducks instead. Happy feeding!

3. Fly a kite

Springtime brings warm breezes and sunny days. In other words, perfect weather for flying a kite. Kiting is a budget-friendly outdoor activity that you should include in your spring bucket list, especially if you have kids.

All that time outside chasing kites means the kids are getting some sun and exercise. Kite flying is also great for strengthening their hand-eye coordination. So grab those kites and head outdoors for a day of fun in the sun.

4. Go pick some berries

There’s no shortage of berries to be picked starting as soon as the warmer weather starts. So make sure to add it to your spring bucket list ideas. Strawberry picking typically runs from early March to late June.

Springtime is also a good time to start checking out picking spots for wild blackberries and raspberries. However, berries don’t ripen until around May or June.

If you’re picking from a farm, check their hours and the availability of fruit before heading out. Don’t forget sunscreen, a hat, and water because it can get hot.

5. Try bird watching

Bird watching is an activity that can be done all year round since the birds you see change each season. However, spring and fall migration are the hottest birding times when hundreds of species pass through.

If you’re new to bird watching, pick up a field guide or download a birding app. The Merlin Bird ID and Audubon Birds are free apps to get you started.

So, why not add bird watching to your spring bucket list? Reconnect with nature through these wondrous creatures, also known as the last of the dinosaurs!

6. Hike a new trail

There’s a reason why doctors recommend walking as exercise. It’s because it improves circulation, strengthens muscles, and lightens moods. So, why not include hiking in your spring bucket list ideas and enjoy the benefits of walking with nature?

Imagine it – the warm sunshine on your face, the cool breeze, and the sounds of nature all around you. So here’s your invitation to get out there this spring. Just make sure to consult a trail map before heading out so you know what to expect.

7. Take a road trip

Is there a place you’ve always wanted to see and experience? Or do you want to visit family and friends? If so, why not make the visit into a road trip this spring? Traveling is half the fun! So, make sure to involve the kids in the planning if you are traveling with them.

To reduce the stress over the cost of the trip, list your anticipated expenses, make a budget and start saving now. Next, get a map and plan your route and stops. Then, make a list of games, entertainment options, and what to pack for the trip.

8. Visit a farmer’s market

If you’ve never or rarely shopped at a farmer’s market before, make sure to add it to this year’s spring bucket list ideas. Farmer’s markets are an excellent place to shop for fresh produce. You get tasty fruits and vegetables grown locally, and you’ll be supporting local farmers and businesses.

9. Plant a garden

Add plant a garden to your spring bucket list and try your hand at planting herbs, vegetables, or flowers. If you wish to plant and grow herbs, you can start planting them as soon as March rolls around. Peas, lettuce, beets, and broccoli are also great options for a spring garden.

If you’re more into flowers, you can’t go wrong with pansies, daffodils, and tulips for a spring garden. You may also want to visit your local garden center or nursery if you need more guidance on plants that are suited and easy to grow in your area.

10. Go fishing

Do you know that fishing is one of the most popular outdoor recreational activities in the US? It’s true! In fact, more women and kids are taking it up as a hobby.

So, why not join them and include fishing on your spring bucket list ideas this year? It’s a great way to enjoy the outdoors and spend time with your family and friends. Whether you’re revisiting something you haven’t done in years or trying it for the first time, make sure you read up on what you need to prepare.

11. Go to the zoo

The zoo is a perfect day trip destination for any season. But most especially in the spring when humans and animals are waking up from being cooped up inside all winter.

It is definitely a favorite activity for my household. I love seeing my kid’s excitement and amazement as he sees the animals up close and personal. So, why not include a trip to the zoo on your spring bucket list? Go say hi to the animals as they come out of hibernation. It will be fun!

12. Go stargazing

There’s a whole universe out there, literally! And you don’t need much to enjoy it. You can go to a nice clearing for a better view or stargaze in your own backyard.

Check out the weather forecast for a clear night. Bring some blankets, hot cocoa, and you’re set. So, for a quiet and budget-friendly activity, make sure to add stargazing to your spring bucket list ideas.

13. Take new family pictures

Spring is also a great time to take new family pictures. Unfortunately, my husband and two boys never want to take pictures. That’s why I learned to be intentional and plan family picture days.

Planning picture days also gives me a reason to get my hair done and get dressed and a way to get my kids in cute outfits. Win-win! Add it to your spring bucket list, and have fun!

14. Have a water balloon fight

A water balloon fight could be what you’re looking for if you’re open to getting wet, running around, and a lot of squeals. Check out these 1500 water balloons from Amazon! Fill them up and invite some friends and family for a water balloon battle.

15. Have a family camp out in the backyard

Camping out in the backyard is easily one of my favorite spring bucket list ideas! It's also a great staycation idea.

I can tell the kids we’re going camping without packing the car and driving anywhere. And no one has to go pee in the bushes? I’m in!

So, this spring, pitch a tent, make a fire and enjoy your backyard camping style. Make s’mores, hotdogs, and tell scary stories for an unforgettable experience.

16. Have a family game night

Spend some quality time with your family and friends while playing fun, silly games. This is one spring bucket list idea that doesn’t take a lot of effort. Choose a game and pick teams to compete against each other.

Just make sure to pick a game that lets every member of the family participate. Keep a scoreboard or change the rules to make it more fun and less about winning. Either way, get ready for an exciting family game night!

17. Attend a local outdoor festival

Another great addition to your spring bucket list ideas is to rediscover what your place has to offer. Be a tourist in your own city and attend a local outdoor festival. Check out your local library or Google “events in your city” for festivals near you.

18. Catch the opening game of a sport you love

Opening games are exciting whether you’re an avid fan or a first-time attendee. Most organizations also set up activities and raffles during opening games. So, it’s always a festive event to go to.

19. Invite family and friends for a picnic

Spring is also a great time of the year to take your family and friends on a picnic at the park. Make great memories while having some delicious food. You can also bring a Frisbee or plan some games and make a day of it.

20. Go on an Easter egg hunt

A spring bucket list can not be complete without an Easter egg hunt, especially if you have little kids. You may choose to go to an event near you, or you can set up your own easter egg hunt.

Get ready with some pastel balloons and Easter decorations. Prepare plastic eggs in advance and fill them with small toys, candy, or numbers that correspond to bigger prizes, if you like.

Prizes could be stuffed animals, chocolate bunnies, or gift certificates. You can also decorate the snack table with pastel-colored tablecloths and streamers to go with the Easter theme.

21. Make spring crafts

Get your kids excited about spring by bringing the theme to your crafts table. Check out this list of easy spring crafts for kids for ideas on what to make. (We also have some great ideas on our money-making craft list!) Or you can ask them to help you dye some easter eggs and make Easter cards for family and friends.

You may also choose to get a wooden birdhouse. You can find them at most craft stores or online. Then, get your kids to paint them with acrylic paints and display them in your front or back yard.

22. Bake something spring-themed

With so many fruits in season for spring, you have the most options for whatever you want to make. Think of recipes for apricots, cherries, rhubarb, and berries! Look through this list of 55 spring desserts if you’re in need of new ideas.

23. Go on a nature scavenger hunt

Nature scavenger hunts are a great way to keep kids busy and outdoors. So, whether you have toddlers or teenagers, make sure to add this activity to your spring bucket list ideas. Simply make a list of items you want them to find, and you’re set to go.

24. Spring clean your home

Spring cleaning is a must for every spring bucket list! It’s also the perfect season for it. Try to find ways to motivate yourself and your household to get rid of things you no longer use.

For instance, you can make a game out of it by seeing who can clean their room the fastest. So, set a date, put some music on, and think of creative ways to get your kids to help.

25. Volunteer for a cause you care about

This is also a must-add to your spring bucket list ideas. There is always a need in every community for volunteers. And you don’t necessarily need a charitable organization to help out or make a difference.

Whether you’re looking to volunteer yourself or get your own kids involved in volunteering, you can find opportunities to do so in your community. Here are some ways you can help out:

  • Go to a homeless shelter to cook or serve meals.
  • Have your kids offer popsicles to garbage truck workers.
  • Participate in a park clean-up event.
  • Volunteer at a local nursing home or assisted living facility.
  • Connect with a local organization to cook and deliver meals to people who are sick.
  • Drive a neighbor to run errands or shop for groceries.
  • Plant flowers at a local school or library.
  • Put together a neighborhood garage sale and donate the profits to charity.

Make your own budget-friendly spring bucket list

There you have it – our favorite budget-friendly spring bucket list ideas! We hope we’ve given you some inspiration for your own list. So go out this spring and have fun, new experiences!

Start saving for your spring bucket list with our completely free "Savings challenge bundle!" These challenges will make saving fun and easy, and you will bulk up your savings in no time. Check out the Clever Girls Know podcast and YouTube channel for more great money tips!

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16 Pregnancy Gifts For First Time Moms https://www.clevergirlfinance.com/pregnancy-gifts-for-first-time-moms/ Sun, 10 Oct 2021 23:30:28 +0000 https://www.clevergirlfinance.com/?p=14566 […]

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This article on pregnancy gifts for first time moms contains affiliate links from Amazon. As an Amazon Associate, we earn from qualifying purchases which help us grow Clever Girl Finance! Please see our disclosures for more information.

Pregnancy gifts for first time moms

Yes, the babies are so cute, and they smell so good! But we also want to celebrate the mama and acknowledge what she has accomplished. There are so many things new moms need for themselves! So, we created a list of pregnancy gifts for first time moms because it takes a lot of work to bring a baby into the world. But before we dive into our incredible list of gifts, let's discuss how you can provide a little bit of support to first time moms.

How to support first time moms

Starting a family is a life-changing experience. And that’s true for all parents. But for new moms, the uncertainty of being responsible for another person can be full of worry and self-doubt.

So, being there for them, listening, and giving words of encouragement are great ways to show support. Or maybe you can take her out for lunch sometimes for some adult conversation. Motherhood can be isolating at times, and new moms crave company too.

When you visit, you can also offer to do some chores for her, such as taking out the trash, washing the dishes, or putting in a quick load of laundry. Any help will be more than appreciated!

16 Pregnancy gifts for first time moms

Pregnancy and giving birth are triumphant events. But, just because more than 10,000 babies are born every day doesn’t mean each one is not a miracle. And for all of it, mom grew the baby, labored, gave birth, and is now taking care of a brand new baby.

She probably already received or bought more than enough onesies for her child. So, if you can, make sure you get something just for her. Postpartum essentials are always welcome. Or you can make an amazing care package of pregnancy gifts for first time moms with some of the items below that fits your budget.

1. A fun water bottle

Hydration is so important for moms, especially if they’re breastfeeding or pumping. I can still remember how thirsty I got during those days. So, even if you think a fun, motivational water bottle is one of those unexpected pregnancy gifts for first time moms, it will be much appreciated.

A water bottle makes mom’s life easier to have it beside her at all times. And she won’t need to get a drink when the baby is nursing or sleeping.

2. Heating pad

Everybody’s pregnancy and birth story are different. But everyone can agree, the labor and delivery process is exhausting. Since heat can help soothe sore muscles and joints a heating pad is a great gift on the list of things new moms need.

3. Nipple cream

Breastfeeding is beautiful. It’s a way for moms to provide nourishment to their babies and bond. But breastfeeding can also lead to sore, raw nipples. So, help a mama out. If you’re putting together a care basket of things new moms need for themselves, make sure to add organic nipple cream.

4. A snack box

The struggle and sleep deprivation for parents during the first few months is real! The life of a new mom can get super busy that she may even forget to eat. And we can’t have that because the baby’s health is dependent on the mom’s health.

And that’s where you and a healthy snack box comes in. Put together a basket of her favorite snacks. Or order a healthy snacks care package from Amazon and get it delivered to her door.

5. Baby carrier

I don’t know why but as soon as I start a chore, my kid thinks it’s the best time to cling to me. So, I mostly wore my baby to make dinner, run errands and get work done. And this is why I’m adding baby carrier or baby wrap to this list of pregnancy gifts for first time moms.

6. Comfortable clothing

Luxurious robes, leggings, and nursing bras are highly recommended pregnancy gifts for first time moms. Most often than not, moms will prepare everything that their baby needs. But they won’t buy anything for themselves, so these items will be much appreciated.

I’m also happy to see more options for postpartum/nursing support leggings for moms. Leggings with high waist support suitable for a postpartum belly? Yes, please! And brands like Mother Essentials and Homma are great, affordable options that fit every budget.

7. Stroller organizer

A stroller organizer is a must on the list of things new moms need. Seriously, moms can always use another set of hands. But since that’s not always available, a stroller organizer can make her life easier. It helps keep all the essentials like coffee, phone, wallet, keys, baby bottle, and snacks within reach while she’s out and about.

8. Diaper bag

While most women welcome the opportunity to show off their purses by swapping them all the time. Moms don’t have that luxury. Not having a dedicated bag for baby’s essentials is an easy way to forget things. Think diaper blow out without an extra onesie while they’re out and about!

So, of course, a great diaper bag is one of the things new moms need. I highly recommend a backpack because it is easier to carry. You can even get ones that come with organizers for diapers, wipes, bottles, and snacks.

9. Share a meal

Almost every mom will agree that the best thing you can bring them is food. It’s a bonus treat if it can be frozen and consumed on those days when the parents are too exhausted to make dinner. Of course, dishes that can be eaten one-handed are awesome too!

You may want to ask ahead of time to find out if there are any food allergies or if she has any cravings you can get her.

The family will appreciate not having to do meal prep or cooking. Gift cards to Grubhub or UberEats also make great pregnancy gifts for first time moms because the family can pick out exactly what they want.

10. Grocery delivery

Leaving the house with an infant can be such a mission most days. For starters, mom has to dress herself and baby, and then there are diaper bags to pack and car seats to maneuver. So, why not take an errand off the new mom’s hands with a grocery delivery gift?

You can ask her what she needs at the store and have it delivered. As another option, you can give her a gift certificate to Amazon Fresh or Instacart. Either way, it’s an amazing time saver that she’ll definitely appreciate.

11. Restaurant gift cards

If you’d want to spoil the new parents, you can’t go wrong with a gift card to a local restaurant. It will allow them to have a night out or maybe a no-cooking quiet night at home. You can grab a gift card with a few different restaurant options to make sure they use it. This way, they’ll have a few choices.

12. Housekeeping is a fantastic pregnancy gift for a first time mom

Housekeeping is one of the best pregnancy gifts for first time moms. Most new parents don’t have the time and energy to fit house cleaning on top of everything they have going on. So, a house cleaning service would be a much-appreciated gesture. I know I appreciated it while I was recovering from my c-section operation.

13. A Spa or massage package

When you’re thinking of things new moms need for themselves, consider a spa or a massage package. With a new baby, it’s probably the last thing a new mom will get for herself. So, setting her up with massage or spa services will give her a guilt-free experience she’ll appreciate.

14. Manicure or pedicure package

Similar to the spa package, you may choose to give the new mom a gift certificate for a manicure or a pedicure. She will appreciate the chance to sit down, relax, and get pampered. This is one of those pregnancy gifts for first time moms that’s only for them. It lets them know you’re thinking of them, and they’ll enjoy it.

15. A haircut or hair color

Most moms spend their days with their hair in a bun for the first few months of having a new baby. And they’re probably experiencing the dreaded post-pregnancy hair loss as well. 

Between diaper changes and nighttime feedings, most moms would not think of getting a haircut, let alone a hair color. So, why not step up and give her a gift certificate for a hair appointment? It’s like fixing her crown for her, you know?

16. Offer her the gift of time

When I had my baby, I thought I knew what was coming. But I was so unprepared for how little time I had for anything else! So I relished the time I could shower or enjoy a meal unbothered.

So, one of the best pregnancy gifts for first time moms you can give is the gift of time. You may offer to watch the baby if you or mom is comfortable with that.

You can offer to hold the baby for a few minutes. So, mom can shower, eat, work on her finances, or do something she might not be able to do without you there.

Make life easier for her with these great pregnancy gifts for first time moms!

Bringing home a brand new baby is a momentous occasion. But most of the time, everybody is so focused on the baby and forget about mom. That’s why we created this list of things new moms need for themselves. You won’t find these on her gift registry, but these will make her feel special, pampered, and cared for. And she deserves it.

Why not offer to sign up with her for our completely free financial courses and worksheets? You can offer support by watching the little one while she learns how to create a new budget for her family. Also, tune in to the Clever Girls Know podcast and YouTube channel for tips on all things money!

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Create A Stylish Yet Simple Wardrobe On A Budget! https://www.clevergirlfinance.com/simple-wardrobe-on-a-budget/ Sun, 19 Sep 2021 14:19:07 +0000 https://www.clevergirlfinance.com/?p=14115 […]

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Simple wardrobe

Do you dream of the day when you can go to your closet and be ready for wherever you’re headed in under ten minutes? Picture it and know that you can get there. Read on for some tips on how you can build a simple wardrobe full of items you love.

Why does a simple wardrobe make sense?

Having a closet full of things that make you feel fabulous, comfortable, and confident is life-changing. You save time when you can put together an outfit quickly. And when you don’t have to try on ten pieces of clothing to be ready, it works wonders on your confidence too.

Also, creating a simple wardrobe allows you to start with items you already have in your closet. You don’t need to go out and buy new clothes. And not spending money is a big win for your budget. 

And listen, a simple wardrobe doesn’t mean boring. It doesn’t mean you can’t wear bold prints or statement pieces. It just means exactly that: simple, structured, and uncomplicated.

How to create a simple wardrobe on a budget

Often, when you’re trying to downsize your wardrobe, your first inclination is to take everything you own and sort them into piles. You’ll probably decide to donate or sell a few items. But then you’ll get overwhelmed and put everything back in to be dealt with sometime in the future.

The overwhelm sets in because you don’t have a starting point. So, here are some helpful steps you can take to start building a simple wardrobe that works for you.

Start with what you love

Before you sort through your clothes, think about the pieces you like to wear together -- your style uniform. For example, are you a tee shirt and jeans kind of gal? Or do you prefer pencil skirts and blazers?

As you consider your go-to style, think about the colors and fabrics you like. Also, consider what clothes you actually wear every day. Sometimes what you wear, what you love, and what you think you need may not be appropriate for your everyday life. Armed with these points of consideration, identify the style you wear a lot and feel fabulous in.

Do a wardrobe audit

Now, it’s time to go through your wardrobe. Make decisions on what to donate, sell, or keep from your go-to style. And be honest about why you’d want to keep a particular item. Is it because you feel great in it? Or is it because it was expensive and you haven’t worn it enough to justify the price?

If there are pieces that are difficult for you to let go of just yet. Consider putting them aside. Give yourself a timeline to revisit it. Mark the date in your calendar so you won’t forget.

Of course, it’s better if you can get rid of items in one go. But that’s the great thing about creating a simple wardrobe. The process has to work for you. Otherwise, if you force yourself to let go of pieces before you’re ready, then you might be tempted to go buy the same style again to replace it.

Understand your style

After you’ve trimmed down your wardrobe, try to make do with what you have for a while. And use that time to understand your style. Reassess your closet’s functionality.

Do you have the clothes you need for your day-to-day life? Are the clothes you wear practical for your daily activities? And from here, you can build a simple wardrobe with clothing that you can wear consistently and comfortably.

Create rules for your simple wardrobe

Before you start buying pieces to add to your closet, create some rules for yourself. Base the rules on style, colors, and fabrics you like. And take a cue from the items you’ve gotten rid of from your closet.

You can set rules like:

  • Avoid dry-clean only clothes
  • No polyester or synthetic fabrics
  • No brown or beige colors (this is one of my personal rules)

Also, know that you can admire styles without owning them. From my own experience, I love the idea of statement pieces and leather pants. I owned some, but I never knew what to do with them. So, I settled on admiring them from other people.

You can also apply your core values in your simple wardrobe rules. For instance, if you’re passionate about supporting ethical and sustainable brands, you may add “no fast fashion” to your rules.

Borrow instead of buying

It can be easy to rationalize buying items that don't fit in your simple wardrobe by saying you’re saving them for special events. But if you consider your budget and cost per wear, it’s not really practical. And with many ways to borrow or rent, it’s become fairly easy to find pieces for special occasions without buying them.

Online clothing rental sites like Rent The Runway have a lot of formal wear that you can rent for a fraction of the retail price. And your local bridal shops most probably have some items for rent as well.

Pay attention to fabrics

Some fabrics like cotton or linen can withstand a lot of wear. And they’re easy to care for. Silk and cashmere are more expensive and need more care. So, in building your simple wardrobe, define what’s important to you and include that guide your purchases. 

For instance, if you want more wear out of your clothes, go for linen or cotton clothing. At the same time, know that silk and cashmere are dry-clean only. 

Define what you consider investment pieces

Investment pieces vary from one person to another because it depends mostly on need. Someone might consider blazers, skirts, and trousers as investment pieces because of their job. And another might feel the same for jeans, shoes, and coats.

But sometimes, we deceive ourselves when we start labeling everything as an investment piece to justify the cost. For investment pieces, consider the longevity of the item, the cost per wear, and versatility.

Choose versatile items

The best way to build a simple wardrobe on a budget is to have multiple versatile items. Also, keep in mind that you can put together endless outfits with a few great basics. And a packed closet doesn’t always mean style.

So, if you can find pieces that are simple, comfortable, and flattering, that’s all you need for a stylish wardrobe.

Always shop with a list

Shopping, for the most part, is fun, but it can also be overwhelming. And if you don’t know what you’re looking for, you might end up buying items you don’t need. So before you go shopping, whether in-store or online, make sure you have a clear idea of what you’re looking for.

For instance, are you looking for more structured tops to wear to work? How many do you need? Stick to your list, and if you can’t find something you like during that shopping trip, you can try again next time. This practice prevents you from spending money on things just because they were on sale.

Consider buying pre-owned

Another great way to build your simple wardrobe on a budget is to buy pre-owned items. This is my favorite way to shop for high-end brands I love without paying full price! If you’re not comfortable wearing second-hand items, look there anyway. Most of the time, there are unworn items (still with tags on!) selling for way less than their original price.

And with sites like Poshmark and ThredUp, it’s never been easier to buy pre-owned items. Facebook Marketplace is also a good place to check. Even in your community, I’m sure you’ll find consignment shops and thrift stores.

Get to know a good tailor

We have different sizes and shapes. And although we’re seeing more brands come out with a wider range of sizes, it still doesn’t mean everything you’ll buy off the rack will fit you perfectly. Hence, a good tailor is a great find.

When you shop for clothes, understand what a tailor can and can’t do. It’s also important to know how much it will cost and factor that in the price of the item. A good rule of thumb is to buy clothes that fit the biggest or widest part of your body.

For instance, if you have wide shoulders and narrow hips, shop for tops that fit your shoulders and have it taken in the waist area. That’s an easy fix. But avoid clothes that fit your waist but not your shoulders since that’s a pricey fix.

Build a simple wardrobe that works for you

A simple wardrobe can give you more time to enjoy your mornings. It also helps you spend less on clothes. Wouldn’t it be life-changing if you wore everything in your closet? And you feel fabulous and comfortable in them as well? You’d be saying, “Look out world ‘coz here I come!”

Remember to always budget for items and not go into debt when switching up your wardrobe. Learn how to create a customized budget with our completely free budgeting course!

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