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		<title>No Brainer, Flexible &#038; Low-Stress Ways to Make Money</title>
		<link>https://financesdemystified.com/no-brainer-flexible-low-stress-ways-to-make-money/</link>
					<comments>https://financesdemystified.com/no-brainer-flexible-low-stress-ways-to-make-money/#respond</comments>
		
		<dc:creator><![CDATA[Julie Sales]]></dc:creator>
		<pubDate>Wed, 26 Jun 2019 05:32:59 +0000</pubDate>
				<category><![CDATA[Savings]]></category>
		<category><![CDATA[Starting a Business]]></category>
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		<category><![CDATA[make money]]></category>
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		<guid isPermaLink="false">http://www.financesdemystified.com/?p=17705</guid>

					<description><![CDATA[<p>What would you do if you could make money when you wanted and not feel like you were stuck in something? For so many people the goal of controlling their time and income is a dream that often seems out of reach.</p>
<p>The post <a rel="nofollow" href="https://financesdemystified.com/no-brainer-flexible-low-stress-ways-to-make-money/">No Brainer, Flexible &#038; Low-Stress Ways to Make Money</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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					<h1 class="entry-title">No Brainer, Flexible &#038; Low-Stress Ways to Make Money</h1>
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				<div class="et_pb_text_inner"><p><em><span style="font-weight: 400;">This post is sponsored by Uber. All opinions are my own.</span></em></p>
<p><span style="font-weight: 400;">What would you do if you could make money when you wanted and not feel like you were stuck in something? For so many people the goal of controlling their time and income is a dream that often seems out of reach.</span></p>
<p><span style="font-weight: 400;">One of my favorite concepts is the idea of “lifestyle design”, this is the ability to design your lifestyle to live the way you want, on your own terms and make money when and where you want! Sounds great right? But how easy is it to really make this happen, you may ask?</span></p>
<p><a href="https://www.financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money.jpg"><img fetchpriority="high" decoding="async" src="https://www.financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-251x300.jpg" width="251" height="300" alt="Low stress income to make money" class="wp-image-17709 aligncenter size-medium" srcset="https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-251x300.jpg 251w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-510x609.jpg 510w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-768x918.jpg 768w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-857x1024.jpg 857w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-1080x1291.jpg 1080w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-610x729.jpg 610w" sizes="(max-width: 251px) 100vw, 251px" /></a></p>
<p><span style="font-weight: 400;">It’s actually a lot easier than you may think and you can get started with very little commitment and risk. If you have ever considered driving with </span><a href="https://www.uber.com/us/en/o/drive/vehicle-solutions/" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400;">Uber</span></a><span style="font-weight: 400;"> to make a living and regain control of your time, they have made it even easier to get started.</span></p>
<p><span style="font-weight: 400;">Not wanting to drive your own car or just not even having a car has been a huge hindrance for many people who would love to make money on their own terms by driving with  </span><a href="https://www.uber.com/us/en/o/drive/vehicle-solutions/" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400;">Uber</span></a><span style="font-weight: 400;">. However, now it’s easier than ever to get started, especially since the options are a low risk financially and it’s flexible. Exhibit A: there are hourly, weekly, and longer options. Perfect for whatever commitment you want to make. All of this putting earning in your own hands and giving you the flexibility you deserve. </span></p>
<p><span style="font-weight: 400;"><img decoding="async" src="https://www.financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-1.jpg" width="1984" height="452" alt="" class="wp-image-17710 aligncenter size-full" srcset="https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-1.jpg 1984w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-1-510x116.jpg 510w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-1-300x68.jpg 300w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-1-768x175.jpg 768w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-1-1024x233.jpg 1024w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-1-1080x246.jpg 1080w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-1-610x139.jpg 610w" sizes="(max-width: 1984px) 100vw, 1984px" /></span></p>
<p><span style="font-weight: 400;">With </span><a href="https://www.uber.com/us/en/o/drive/vehicle-solutions/" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400;">Getaround</span></a><span style="font-weight: 400;">, you can grab a car hourly or weekly, with no deposit, no long-term contract, insurance, basic maintenance, and 24/7 support is included and you can pick up at a location near you. You can get all of this and start driving and earning ASAP!</span></p>
<p><span style="font-weight: 400;">With <a href="https://www.uber.com/us/en/o/drive/vehicle-solutions/" target="_blank" rel="noopener noreferrer">Fair</a>, you pay as low as $185 per week, you can earn by the week or keep your ride for a while, but with no long-term contract. For the Weekly option, insurance is included, as well as basic maintenance, 24/7 roadside assistance, unlimited miles, and options to renew week-to-week. For the longer option, you pay as little as $130 per week and a start-up fee of $500 and this comes with all of the perks of the weekly offer! </span></p>
<p><span style="font-weight: 400;">With </span><a href="https://www.uber.com/us/en/o/drive/vehicle-solutions/" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400;">Hertz</span></a><span style="font-weight: 400;">, you can get wheels by the week with a Weekly option. Cars start at $214 per week and maintenance and insurance are included. You can also easily renew week to week. </span></p>
<p><span style="font-weight: 400;">There are promotions available that could go back into paying for the cost of your vehicle. It’s a win, win!</span></p>
<p><span style="font-weight: 400;">There is now, literally no reason not to consider Uber as a solution to make a living on your own terms and begin designing your ideal lifestyle! <a href="https://www.uber.com/us/en/o/drive/vehicle-solutions/" target="_blank" rel="noopener noreferrer">Check </a></span><a href="https://www.uber.com/us/en/o/drive/vehicle-solutions/" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400;">out Uber’s Vehicle Solutions partners</span></a><span style="font-weight: 400;"> and start earning on your own terms with these flexible options. Be sure to come back and let me know, once you start making money on your own terms with these offers! </span></p>
<p><span style="font-weight: 400;"><img loading="lazy" decoding="async" src="https://www.financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-3-225x300.jpg" width="225" height="300" alt="" class="wp-image-17711 aligncenter size-medium" srcset="https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-3-225x300.jpg 225w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-3-510x680.jpg 510w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-3-768x1024.jpg 768w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-3-1080x1440.jpg 1080w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-3-610x813.jpg 610w, https://financesdemystified.com/wp-content/uploads/2019/06/Low-stress-income-to-make-money-3.jpg 1875w" sizes="(max-width: 225px) 100vw, 225px" /></span></p></div>
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<p>The post <a rel="nofollow" href="https://financesdemystified.com/no-brainer-flexible-low-stress-ways-to-make-money/">No Brainer, Flexible &#038; Low-Stress Ways to Make Money</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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		<title>Procrastinators: There’s Still Time To File Your Taxes For Free!</title>
		<link>https://financesdemystified.com/time-to-file-your-taxes-for-free/</link>
					<comments>https://financesdemystified.com/time-to-file-your-taxes-for-free/#respond</comments>
		
		<dc:creator><![CDATA[Julie Sales]]></dc:creator>
		<pubDate>Fri, 29 Mar 2019 14:00:37 +0000</pubDate>
				<category><![CDATA[Starting a Business]]></category>
		<category><![CDATA[2019 taxes]]></category>
		<category><![CDATA[file taxes]]></category>
		<category><![CDATA[file taxes for free]]></category>
		<category><![CDATA[free tax file]]></category>
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		<guid isPermaLink="false">http://www.financesdemystified.com/?p=17684</guid>

					<description><![CDATA[<p>The April 15th deadline to file your taxes is quickly approaching hence...it’s crunch time! Some people rush to get their taxes filed as soon as they receive their W2s, but many of you (myself included), wait until the absolute last minute to get those taxes done.</p>
<p>The post <a rel="nofollow" href="https://financesdemystified.com/time-to-file-your-taxes-for-free/">Procrastinators: There’s Still Time To File Your Taxes For Free!</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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					<h1 class="entry-title">Procrastinators: There’s Still Time To File Your Taxes For Free!</h1>
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				<div class="et_pb_text_inner"><p class="has-small-font-size" data-qblock-id="981a004185e2edba54d0b710cb62a317"><em>This is a sponsored post by TurboTax, however, all opinions are my own and I have been a TurboTax user since college!</em></p>
<p><span style="font-weight: 400;">The April 15th deadline to file your taxes is quickly approaching hence&#8230;it’s crunch time! Some people rush to get their taxes filed as soon as they receive their W2s, but many of you (myself included), wait until the absolute last minute to get those taxes done.</span></p>
<p data-qblock-id="8eb9c071b2211cd3cce9243e6556e7af"><span style="font-weight: 400;">Usually, procrastinators get penalized for waiting until the last minute, but our friends at </span><a href="https://turbotax.intuit.com/personal-taxes/online/free-edition.jsp?cid=soc_bl_o_free_infl_20190404_5" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400;">TurboTax</span></a><span style="font-weight: 400;"> will still let us file our simple tax returns for FREE! </span></p>
<p align="center"><iframe loading="lazy" src="https://giphy.com/embed/2D8g2rXcWx1DO" width="480" height="320" frameborder="0" class="giphy-embed" allowfullscreen=""></iframe></p>
<p><a href="https://intuit.me/2SNL0op" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400;">TurboTax Free Edition</span></a><span style="font-weight: 400;"> makes the entire filing process quick and easy! To get started, all you need to do is gather your W-2 and other tax documents you have received and log into </span><a href="https://intuit.me/2SNL0op" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400;">TurboTax Free Edition</span></a><span style="font-weight: 400;">. When you first log in, TurboTax asks you a few basic questions about yourself, like did you get married, have a baby, buy a house, go to school, own a business….you get the gist! Super easy questions.</span></p>
<p><a href="https://www.financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-1.png"><img loading="lazy" decoding="async" src="https://www.financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-1-300x186.png" width="300" height="186" alt="File Your Tax for Free -Finances Demystified Blog" class="wp-image-17689 aligncenter size-medium" srcset="https://financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-1-300x186.png 300w, https://financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-1-510x316.png 510w, https://financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-1-768x477.png 768w, https://financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-1-610x378.png 610w, https://financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-1.png 996w" sizes="(max-width: 300px) 100vw, 300px" /></a></p>
<p><span style="font-weight: 400;">Next, you will be prompted to enter in your W-2 information (or, you can just take a photo and import it!) and any other documents you have received. Then, TurboTax asks a few more questions to make sure you are getting all of the deductions you qualify for and receiving the biggest possible refund. Then, boom! You are done and it costs you NOTHING!</span></p>
<p><span style="font-weight: 400;"><a href="https://www.financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-2.png"><img loading="lazy" decoding="async" src="https://www.financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-2-300x186.png" width="300" height="186" alt="File Your Tax for Free -Finances Demystified Blog" class="wp-image-17688 aligncenter size-medium" srcset="https://financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-2-300x186.png 300w, https://financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-2-510x316.png 510w, https://financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-2-768x475.png 768w, https://financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-2-610x378.png 610w, https://financesdemystified.com/wp-content/uploads/2019/03/file-your-tax-free-2.png 806w" sizes="(max-width: 300px) 100vw, 300px" /></a></span></p>
<p><span style="font-weight: 400;">Have a few friends who’ve been putting off filing? Don’t keep TurboTax to yourself, file for free with </span><a href="https://intuit.me/2SNL0op" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400;">TurboTax Free Edition</span></a><span style="font-weight: 400;"> together right now! Your refund is waiting. </span></p>
<p>&nbsp;</p></div>
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		<title>It’s True! You Can File Your Taxes For Free!</title>
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		<dc:creator><![CDATA[Dominique Broadway]]></dc:creator>
		<pubDate>Tue, 29 Jan 2019 14:00:52 +0000</pubDate>
				<category><![CDATA[Starting a Business]]></category>
		<category><![CDATA[2019 taxes]]></category>
		<category><![CDATA[file taxes]]></category>
		<category><![CDATA[file taxes for free]]></category>
		<category><![CDATA[free tax file]]></category>
		<category><![CDATA[how to file my taxes free]]></category>
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		<guid isPermaLink="false">http://www.financesdemystified.com/?p=17468</guid>

					<description><![CDATA[<p>The post <a rel="nofollow" href="https://financesdemystified.com/file-your-taxes-for-free/">It’s True! You Can File Your Taxes For Free!</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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					<h1 class="entry-title">It’s True! You Can File Your Taxes For Free!</h1>
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				<div class="et_pb_text_inner"><p class="has-small-font-size" data-qblock-id="981a004185e2edba54d0b710cb62a317"><em>This is a sponsored post by TurboTax, however, all opinions are my own and I have been a TurboTax user since college!</em></p>
<p data-qblock-id="8eb9c071b2211cd3cce9243e6556e7af">YES! It’s #W2sDay!<span> </span></p>
<p>What does that mean? While most should have already received their W-2 from their employer, January 31st is the deadline for employers to get those forms in the mail. TurboTax celebrates #W2sDay as a way to kick-off tax season and being one step closer to getting your tax refund (cha-ching)<span> </span><img decoding="async" draggable="false" class="emoji" alt="&#x1f4b0;" src="https://s.w.org/images/core/emoji/11/svg/1f4b0.svg" data-qblock-id="6aecdbcf4165638631cf2751c24c806c" />!<span> </span></p>
<p data-qblock-id="53c83ac1210262fa6a46f7d330dcc314">Instead of tossing your W-2 into a random pile, let’s get to work on getting your refund! And this year, customers with simple tax returns can get their refund and not have to worry about paying any tax preparation fees with!</p>
<p data-qblock-id="58e10da1277eb5134e3b040907973672">Yes, you heard it right 100% free! If you are a taxpayer with a simple tax return, who takes a standard deduction and/or files using a 1040 tax form, you are<span> </span><a href="https://turbotax.intuit.com/corp/guarantees.jsp/?cid=soc_bl_o_free_infl_20190129_8" target="_blank" rel="noopener noreferrer">guaranteed</a><span> </span>to file your taxes completely FREE with<span> </span><a href="https://intuit.me/2MrBBB7" target="_blank" rel="noopener noreferrer">TurboTax Free Edition</a>!</p>
<p data-qblock-id="dbbaa51f90e7c006addd3e3ade3e1df2">Federal Cost: $0</p>
<p data-qblock-id="0d1b0e4bc0d59f6f42447780c19b8550">State Cost: $0</p>
<p data-qblock-id="62142f5aacd489284f75cd144b6d2267">Filing Fee: $0</p>
<div style="width: 100%; height: 0; padding-bottom: 95%; position: relative;"><iframe loading="lazy" src="https://giphy.com/embed/NMufrvxO8fC3C" width="100%" height="100%" style="position: absolute;" frameborder="0" class="giphy-embed" allowfullscreen=""></iframe></div>
<p><a href="https://giphy.com/gifs/dog-shocked-NMufrvxO8fC3C">via GIPHY</a></p>
<p><span>Ok, so we have gone over the fact that this awesome service is free! Now it’s time to file. Gather your W-2s and any other tax documents that you have received, log in and get started.  When you first log in, they ask you some very basic questions that are impossible to get wrong, like did you get married, have a baby, buy a house, go to school, own a business…. you get the gist! Super easy questions about your life.</span></p>
<p><img loading="lazy" decoding="async" src="https://www.financesdemystified.com/wp-content/uploads/2019/01/File-tax-for-free-Finances-demystified.png" width="344" height="507" alt="File Your Taxes For Free Finances Demystified Blog" class="wp-image-17480 aligncenter size-full" style="display: block; margin-left: auto; margin-right: auto;" srcset="https://financesdemystified.com/wp-content/uploads/2019/01/File-tax-for-free-Finances-demystified.png 344w, https://financesdemystified.com/wp-content/uploads/2019/01/File-tax-for-free-Finances-demystified-204x300.png 204w" sizes="(max-width: 344px) 100vw, 344px" /></p>
<p><span>Next, you will be prompted to enter information from your W-2. To make that even easier, you can import your W-2 info directly from over a million employers. Then, they ask a few more questions to make sure you are getting your maximum refund, then boom, you are done and it cost you NOTHING!</span></p>
<p><img loading="lazy" decoding="async" src="https://www.financesdemystified.com/wp-content/uploads/2019/01/File-tax-for-free-Finances-demystified-1.png" width="806" height="499" alt="File Your Taxes For Free Finances Demystified Blog" class="wp-image-17481 aligncenter size-full" srcset="https://financesdemystified.com/wp-content/uploads/2019/01/File-tax-for-free-Finances-demystified-1.png 806w, https://financesdemystified.com/wp-content/uploads/2019/01/File-tax-for-free-Finances-demystified-1-510x316.png 510w, https://financesdemystified.com/wp-content/uploads/2019/01/File-tax-for-free-Finances-demystified-1-300x186.png 300w, https://financesdemystified.com/wp-content/uploads/2019/01/File-tax-for-free-Finances-demystified-1-768x475.png 768w, https://financesdemystified.com/wp-content/uploads/2019/01/File-tax-for-free-Finances-demystified-1-610x378.png 610w" sizes="(max-width: 806px) 100vw, 806px" /></p>
<p>Now, what to do with all of this refund money?<span> </span><img decoding="async" draggable="false" class="emoji" alt="&#x1f914;" src="https://s.w.org/images/core/emoji/11/svg/1f914.svg" data-qblock-id="2f11885bc80ad695d527e4e6a6bf278a" /></p>
<p data-qblock-id="1177939c3b395a84c8a5e01e0ce86979">Don’t forget to tell your friends, so they can use<span> </span><a href="https://intuit.me/2MrBBB7" target="_blank" rel="noopener noreferrer">TurboTax Free Edition</a><span> </span>and save on filing fees!</p>
<p data-qblock-id="1177939c3b395a84c8a5e01e0ce86979">
<p>This is a sponsored post written by me on behalf of TurboTax Free Edition for IZEA Worldwide. All opinions are 100% mine.</p>
<p>https://izea.it/aBBCdcg</p>
<p>&nbsp;</p></div>
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		<title>4 Ways to Save Money With a Fluctuating Income</title>
		<link>https://financesdemystified.com/ways-to-save-money-fluctuating-income/</link>
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		<dc:creator><![CDATA[Julie Sales]]></dc:creator>
		<pubDate>Sat, 05 Jan 2019 14:00:57 +0000</pubDate>
				<category><![CDATA[Starting a Business]]></category>
		<category><![CDATA[fluctuating income]]></category>
		<category><![CDATA[saving]]></category>
		<guid isPermaLink="false">http://www.financesdemystified.com/?p=17400</guid>

					<description><![CDATA[<p>Getting paid a steady salary is great, but it’s not a reality for everyone.</p>
<p>We live in a world of freelancers, independent contractors, side hustlers and commission-based jobs. Although this type of work doesn’t offer the same consistent paycheck, there are still ways to budget and save money when you have a fluctuating income.</p>
<p>The post <a rel="nofollow" href="https://financesdemystified.com/ways-to-save-money-fluctuating-income/">4 Ways to Save Money With a Fluctuating Income</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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					<h1 class="entry-title">4 Ways to Save Money With a Fluctuating Income</h1>
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				<div class="et_pb_text_inner"><p><em><span>By Jacquelyn Pica, American Saves</span></em></p>
<p><span>Getting paid a steady salary is great, but it’s not a reality for everyone.</span></p>
<p><span>We live in a world of freelancers, independent contractors, side hustlers and commission-based jobs. Although this type of work doesn’t offer the same consistent paycheck, there are still </span><a href="https://www.thepennyhoarder.com/smart-money/ways-to-save-money-this-year/?aff_id=174&amp;aff_sub3=0518&amp;utm_source=americasaves&amp;utm_medium=gp&amp;utm_campaign=ways_to_save_money" target="_blank" rel="noopener noreferrer"><span>ways to budget and save money</span></a><span><a href="https://www.thepennyhoarder.com/smart-money/ways-to-save-money-this-year/?aff_id=174&amp;aff_sub3=0518&amp;utm_source=americasaves&amp;utm_medium=gp&amp;utm_campaign=ways_to_save_money" target="_blank" rel="noopener noreferrer"> </a>when you have a fluctuating income.</span></p>
<h2><strong> 1. Calculate Your Baseline</strong></h2>
<p>Figure out the absolute lowest amount of money you can make in one month to still get by. Do this by calculating all your necessary expenses, including rent, utility bills, gas and groceries. Items such as gas and groceries might vary, so take a look at how much you’ve spent in the past few months to get a general idea of what it will cost. In this baseline number, also include important payments such as student loans or credit cards. While you don’t technically need to pay those to survive, they’re still a necessary expense. Plus, you don’t want your credit score to be affected just because you forgot a line item in the budget.</p>
<p>Once you have all of those expenses together, take a look at the non-essentials: eating out, seeing a movie, streaming services, etc. Examine your bank account to see what you spent on these categories last month, and include this as a section of your budget, too. It helps to have a ballpark range of your spending in all categories, especially so you know what could be cut back on if needed.</p>
<h2><strong>2. Set Up Automatic Savings with Rules</strong></h2>
<p>When you have a steady paycheck, it’s easy to set up a transfer of $X every time you get paid. But with a fluctuating income, automatic savings aren’t as easy to manage. What if you get one check for $300 and another for $2,000?</p>
<p>This is where automatic savings apps come in. Most of them let you set up a rule that will save a certain dollar amount or percentage as long as your deposit is over a certain amount of money.</p>
<p>Going with the two check amounts above, say you need all $300 to pay bills but could manage to save a bit of the $2,000. You could set up a rule along the lines of “save 5 percent of any deposit over $1,800,” and it will go right into your savings. This way, you aren’t saving money from every small deposit, and instead just saving once from your biggest paycheck. The percentages and deposit amounts can be customized, allowing you to adjust savings goals as needed.</p>
<h2><strong>3. Use an Old-School Spreadsheet to Budget</strong></h2>
<p>Yes, I know, there are tons of budgeting apps that can automate your savings, budget and even pay your bills for you. Even with all this new technology, a simple spreadsheet is probably a better option if you have fluctuating income. With a spreadsheet, you can keep track of all your income and know exactly how much you can afford to save and spend. Plus, budgeting apps only catch what’s in your bank account. You might receive cash tips or prefer to cash a paycheck rather than deposit it in the bank.</p>
<p>Get started with a budget template for Google docs &#8212; such as <a href="https://docs.google.com/spreadsheets/d/1wgvXLIKsHkODYwvFWIJi8Z3J6Xla4OtKjU8f40NbGGA/template/preview?usp=drive_web" target="_blank" rel="noopener noreferrer" data-cke-saved-href="https://docs.google.com/spreadsheets/d/1wgvXLIKsHkODYwvFWIJi8Z3J6Xla4OtKjU8f40NbGGA/template/preview?usp=drive_web">this</a> or <a href="https://docs.google.com/spreadsheets/d/1RJBOzs78YE9NkTg2Q43eMnhV3T2tlNDIgN3la-ONneo/template/preview?usp=drive_web" target="_blank" rel="noopener noreferrer" data-cke-saved-href="https://docs.google.com/spreadsheets/d/1RJBOzs78YE9NkTg2Q43eMnhV3T2tlNDIgN3la-ONneo/template/preview?usp=drive_web">this</a> &#8212; or Microsoft’s <a href="https://templates.office.com/en-us/Personal-budget-TM10000134" target="_blank" rel="noopener noreferrer" data-cke-saved-href="https://templates.office.com/en-us/Personal-budget-TM10000134">official budgeting template for Excel</a>. Insert all the numbers from what you calculated in Step 1, including essentials and non-essentials. Once you’ve figured out what budgeting template you want to use, pick a budgeting method. A few popular options include<span> </span><a href="https://www.thepennyhoarder.com/smart-money/50-20-30rule/?aff_id=174&amp;aff_sub3=0518utm_source=americasaves&amp;utm_medium=gp&amp;utm_campaign=50_20_30" target="_blank" rel="noopener noreferrer">the 50/20/30 rule</a><span> </span>and <a href="https://www.policygenius.com/blog/how-zero-sum-budget-works/" target="_blank" rel="noopener noreferrer" data-cke-saved-href="https://www.policygenius.com/blog/how-zero-sum-budget-works/">zero-sum budgeting</a>.</p>
<h2><strong>4. Pay Yourself a Salary</strong></h2>
<p>This might sound a bit strange at first, but it really works. Take all the income and bonuses you receive and put it into a business account separate from your checking. Based on the amount of money you identified as what you need to get by, plus a little bit of fun money, deposit that amount from the business account into your checking. You’ll use your checking account to pay the bills</p>
<p>Paying yourself is helpful because the separate holding account will grow, especially when you have a good month, and you will always have the amount you need to pay the bills and live a comfortable life. Whatever is left over in the holding account can be used to pay extra toward debts, go into an emergency fund or be used as a cushion for slower months.</p>
<p>It might seem hard at first to budget with a fluctuating income, but these four steps will get you on the right track. By knowing how much money you need, budgeting accordingly and paying yourself a salary, you’ll be managing that income like a pro in no time.</p>
<p><i><span>Jacquelyn Pica is a staff writer at The Penny Hoarder. Find her on Twitter @JacquelynTPH.</span></i></p></div>
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		<title>Are you saving enough for taxes?</title>
		<link>https://financesdemystified.com/are-you-saving-enough-for-taxes/</link>
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		<dc:creator><![CDATA[Julie Sales]]></dc:creator>
		<pubDate>Sat, 29 Dec 2018 14:08:50 +0000</pubDate>
				<category><![CDATA[Savings]]></category>
		<category><![CDATA[Starting a Business]]></category>
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		<guid isPermaLink="false">http://www.financesdemystified.com/?p=17386</guid>

					<description><![CDATA[<p>If you work as a contractor or freelancer, you’re a part of the gig economy, and you may be required to pay the IRS the self-employment tax.</p>
<p>The post <a rel="nofollow" href="https://financesdemystified.com/are-you-saving-enough-for-taxes/">Are you saving enough for taxes?</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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					<h1 class="entry-title">Are you saving enough for taxes?</h1>
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				<div class="et_pb_text_inner"><p><em>By Darlene Aderoju, America Saves</em></p>
<p>If you work as a contractor or freelancer, you’re a part of the gig economy, and you may be required to pay the IRS the self-employment tax.</p>
<p>Are you saving enough for taxes? Here are five things you should know about taxes and the gig economy:</p>
<h2><strong>1. You could be considered self-employed even if you don’t own a business</strong></h2>
<p>If you’re a business owner, then you are self-employed. But did you know that freelance and contract work is also considered self-employment? Even though you’re providing a service to someone else or a company, when you work as a freelancer or independent contractor you’re considered a self-employed worker by the Internal Revenue Service. This means during tax time, you’re held accountable for paying the taxes that your employee would usually pay on your behalf.<span> </span><a href="https://www.irs.gov/businesses/small-businesses-self-employed/self-employed-individuals-tax-center"><em>&gt;&gt; Learn more about being self-employed</em></a></p>
<h2><strong>2. You might have a unique set of tax obligations</strong></h2>
<p>As a self-employed worker, you may be required to file an annual tax return and pay estimated tax quarterly. You may also be required to pay the self-employment (SE) tax. The SE tax pays for Social Security and Medicare. When you work for a traditional employer, your Social Security and Medicare taxes are automatically withheld from your paycheck. When you’re self-employed those taxes are not taken out of your initial pay, so you’re responsible to pay the IRS later.</p>
<h2><strong>3. You can calculate your self-employment taxes with IRS Schedule SE (Form-1040)</strong></h2>
<p>IRS Schedule SE (Form-1040) allows you to calculate the taxes owed on your net self-employment pay. When you complete the form, the Social Security Administration will use the information to determine your benefits through the social security program.</p>
<p>Once you determine the amount you owe the IRS in taxes, you can make quarterly payments called Estimated Tax, to avoid a large bill at the end of the year. Estimated Tax payments for the remainder of 2018 are due on June 15, September 15 and January 15, 2019. <a href="https://www.irs.gov/pub/irs-pdf/f1040sse.pdf"><em>&gt;&gt; Access IRS Schedule SE (Form-1040)</em></a></p>
<h2><strong>4. You should save about 30 percent of your income for taxes</strong></h2>
<p>If you decide not to make estimated tax payments, it’s best to save about 25 to 30 percent of your self-employment income each time you get paid. This is to ensure that you if you get with a large tax bill at the end of the year, you’ll have enough money set aside to pay it off right away. Saving 25 to 30 percent of your taxes may seem overwhelming, but you’re lucky and you don’t owe taxes at the end of the year, you’ll have a stash of savings that you can put towards your savings goal.</p>
<h2><strong>5. You can take a 10-minute test to see if you’re subject to the self-employment tax</strong></h2>
<p>You can take a test provided by the IRS to see if your income is subject to self-employment tax. The information you’ll need is the type of self-employment income you’ve received and your net profit or loss from your self-employment income. The test has an estimated completion time of 10 minutes. <a href="https://www.irs.gov/help/ita/do-i-have-income-subject-to-self-employment-tax"><em>&gt;&gt; Take the IRS self-employment test.</em></a></p></div>
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		<title>Single Mom Puts Her Message In A Bottle and Grows a Thriving T-Shirt Business &#8211; Kalilah Wright</title>
		<link>https://financesdemystified.com/single-mom-puts-her-message-in-a-bottle-and-grows-a-thriving-t-shirt-business-kalilah-wright/</link>
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		<dc:creator><![CDATA[Julie Sales]]></dc:creator>
		<pubDate>Wed, 24 Oct 2018 16:50:32 +0000</pubDate>
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		<category><![CDATA[entrepreneur]]></category>
		<category><![CDATA[entrepreneurship]]></category>
		<category><![CDATA[t-shirt business]]></category>
		<category><![CDATA[wealth building]]></category>
		<guid isPermaLink="false">http://www.financesdemystified.com/?p=17256</guid>

					<description><![CDATA[<p>T-shirt businesses are one of the best online business now a days.  First, who doesn’t love to wear t-shirts?  Second, the start up cost can be really low (depending on how you manage your capital). But most of all, it is forever on trend!  </p>
<p>Tune in to this episode as Kalilah Wright, an entrepreneur from Baltimore and owner of Mess in a Bottle shares her ups and downs in starting and managing her own T-shirt company. Plus, get tips on how to start your own t-shirt business with little to no capital.</p>
<p>Who knows, a T-shirt business might be your next #wealthbuilding business! </p>
<p>The post <a rel="nofollow" href="https://financesdemystified.com/single-mom-puts-her-message-in-a-bottle-and-grows-a-thriving-t-shirt-business-kalilah-wright/">Single Mom Puts Her Message In A Bottle and Grows a Thriving T-Shirt Business &#8211; Kalilah Wright</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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					<h1 class="entry-title">Single Mom Puts Her Message In A Bottle and Grows a Thriving T-Shirt Business &#8211; Kalilah Wright</h1>
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				<div class="et_pb_text_inner"><p><iframe src='https://podomatic.com/embed/html5/episode/8927336?autoplay=false' height='208' width='504'frameborder='0' marginheight='0' marginwidth='0' scrolling='no' allowfullscreen></iframe></p></div>
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				<div class="et_pb_text_inner"><h5>Summary</h5></div>
			</div><div class="et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><p><span style="font-weight: 400;">T-shirt businesses are one of the best online business now a days.  First, who doesn’t love to wear t-shirts? Second, the start up cost can be really low (depending on how you manage your capital). But most of all, it is forever on trend!  </span></p>
<p><span style="font-weight: 400;">Tune in to this episode as Kalilah Wright, an entrepreneur from Baltimore and owner of Mess in a Bottle shares her ups and downs in starting and managing her own T-shirt company. Plus, get tips on how to start your own t-shirt business with little to no capital.</span></p>
<p><span style="font-weight: 400;">Who knows, a T-shirt business might be your next #wealthbuilding business!</span></p></div>
			</div><div class="et_pb_module et_pb_text et_pb_text_8  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><h5>Resources</h5></div>
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<li><strong><a href="http://www.instagram.com/messinabottle">Mess In A Bottle’s Instagram</a></strong></li>
<li><strong><a href="https://www.messinabottle.com/">Mess In A Bottle</a></strong></li>
<li>
<p style="display: inline !important;"><strong><a href="https://theteeclass.teachable.com/">Theteeclass.com</a></strong></p>
</li>
</ul></div>
			</div><div class="et_pb_module et_pb_text et_pb_text_10  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><h5>Key Takeaways</h5></div>
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<li style="font-weight: 400;"><span style="font-weight: 400;">Kalilah researched in </span><strong><a href="https://craigslist.org/">Craigslist </a></strong><span style="font-weight: 400;">to find machines and equipment to start her T-shirt business with $500 capital.</span></li>
<li style="font-weight: 400;"><strong><a href="https://www.bigcartel.com/">Big Cartel</a></strong><span style="font-weight: 400;"> allows you to have an online store and sell 5 products for free.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Kalilah felt a huge spike in orders when she got featured in a national TV show.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">When Kalilah experienced robbery, although it had been a traumatic experience she still went on and use the opportunity to turn it into something positive.  </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">To sit still is to give yourself a moment to have a mental and physical rest from time to time.  </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Kalilah used </span><a href="https://help.shopify.com/en/manual/your-account/shopify-capital/loan"><span style="font-weight: 400;"><strong>Shopify</strong></span></a><span style="font-weight: 400;"> and </span><strong><a href="https://www.paypal.com/workingcapital/">Paypal </a></strong><span style="font-weight: 400;">working capital loan. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Joining crowd funding and pitch competitions can give you exposure and free money to help you financially support your business.  </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Allow to create pocket of spaces by getting help.  </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Everything is figureoutable. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">If you can dream it, it can happen.</span></li>
</ul></div>
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<p>The post <a rel="nofollow" href="https://financesdemystified.com/single-mom-puts-her-message-in-a-bottle-and-grows-a-thriving-t-shirt-business-kalilah-wright/">Single Mom Puts Her Message In A Bottle and Grows a Thriving T-Shirt Business &#8211; Kalilah Wright</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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		<title>How To Create Your Dream Digital Nomad Life &#8211; Kashlee Kucheran</title>
		<link>https://financesdemystified.com/how-to-create-your-dream-digital-nomad-life-kashlee-kucheran/</link>
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		<dc:creator><![CDATA[Julie Sales]]></dc:creator>
		<pubDate>Wed, 17 Oct 2018 15:43:16 +0000</pubDate>
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		<guid isPermaLink="false">http://www.financesdemystified.com/?p=17250</guid>

					<description><![CDATA[<p>To create your dream digital nomad life is to believe in ‘experiences over things’, but even experiences come with a cost.</p>
<p>With the material things you acquired over the years that you will have to leave behind, not to mention, the traveling expenses, how can someone really shift to a digital nomad life?  </p>
<p>On this episode, we are with Kashlee Kucheran, a digital nomad, budgeting expert and serial entrepreneur. Kashlee left the corporate world of being a finance manager and Realtor in order to travel the world full time.</p>
<p>Kashlee talks about how she and her husband embrace minimalism in their lives to start a freedom based lifestyle.</p>
<p>The post <a rel="nofollow" href="https://financesdemystified.com/how-to-create-your-dream-digital-nomad-life-kashlee-kucheran/">How To Create Your Dream Digital Nomad Life &#8211; Kashlee Kucheran</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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										<content:encoded><![CDATA[<p><div class="et_pb_section et_pb_section_6 et_section_regular" >
				
				
				
				
				
				
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					<h1 class="entry-title">How To Create Your Dream Digital Nomad Life &#8211; Kashlee Kucheran</h1>
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				<div class="et_pb_text_inner"><p><iframe src='https://podomatic.com/embed/html5/episode/8921035?autoplay=false' height='208' width='504'frameborder='0' marginheight='0' marginwidth='0' scrolling='no' allowfullscreen></iframe></p></div>
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				<div class="et_pb_text_inner"><h5>Summary</h5></div>
			</div><div class="et_pb_module et_pb_text et_pb_text_14  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><p>To create your dream digital nomad life is to believe in ‘experiences over things’, but even experiences come with a cost.</p>
<p>With the material things you acquired over the years that you will have to leave behind, not to mention, the traveling expenses, how can someone really shift to a digital nomad life?</p>
<p>On this episode, we are with Kashlee Kucheran, a digital nomad, budgeting expert and serial entrepreneur. Kashlee left the corporate world of being a finance manager and Realtor in order to travel the world full time.</p>
<p>Kashlee talks about how she and her husband embrace minimalism in their lives to start a freedom based lifestyle.</p></div>
			</div><div class="et_pb_module et_pb_text et_pb_text_15  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><h5>Resources</h5></div>
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				<div class="et_pb_text_inner"><ul>
<li><a href="https://www.instagram.com/kashlee_k/" target="_blank" rel="noopener"><b>Kashlee’s Instagram</b></a></li>
<li><a href="https://www.traveloffpath.com" target="_blank" rel="noopener"><b>Travel Off Path</b></a><span style="font-weight: 400;"> &#8211; Kashlee’s blog</span></li>
<li><a href="https://amzn.to/2NKzjMK" target="_blank" rel="noopener"><b>High Maintenance Minimalist </b></a><span style="font-weight: 400;">&#8211; Kashlee’s book</span></li>
</ul></div>
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				<div class="et_pb_text_inner"><h5>Key Takeaways</h5></div>
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<li style="font-weight: 400;"><span style="font-weight: 400;">Take a hard look at your finances &#8211;  how much are you paying every single month for your house, car, bills and your lifestyle. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Start combing through your credit card bills, and you will notice so many extras like subscriptions and other expenses that you don&#8217;t really need in your life.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Look around the house and identify things you don’t need anymore and begin to sell those items</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">There&#8217;s a gold mine on everyone&#8217;s closet.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Use <strong>Facebook marketplace</strong> to sell your staff.  It works so quickly that people buy things within hours of posting</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">If you get your cost of living down to next to nothing; and you go to countries where your currency is much higher values; and go to places that is very cheap to live you don&#8217;t need to make nearly as much as you make right now. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Research what the true cost of living in the country you chose.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Get a UPS box to have a proper street address for the mails.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Sign up for e-Service to get your bills over the internet. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Give yourself a general budget and try to stick to it.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Pick countries that are on the cheaper end of things; and as your business grows and you get more comfortable and better in budgeting you can go to places that are a little more expensive. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">You can never have a (online) business that&#8217;s gonna make money immediately, it takes time.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">One thing that you can&#8217;t ever tarnish while being an entrepreneur is your integrity. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Anyone can apply minimalism to their lives, just do more with less.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;"><strong>High Maintenance Minimalist</strong> is great for someone who wants to declutter, for someone that needs help with creating a budget and also for someone who wants to be a digital nomad and travel.</span></li>
</ul></div>
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<p style="text-align: center;">Learn something each day for 5 days! Get FREE worksheets + action items + daily videos to kickstart your wealthy year!</p><br />
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<p>The post <a rel="nofollow" href="https://financesdemystified.com/how-to-create-your-dream-digital-nomad-life-kashlee-kucheran/">How To Create Your Dream Digital Nomad Life &#8211; Kashlee Kucheran</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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		<title>The Recipe for Success from a Successful Traveling Soap Salesman &#8211; David Simnick</title>
		<link>https://financesdemystified.com/recipe-for-success-david-simnick/</link>
					<comments>https://financesdemystified.com/recipe-for-success-david-simnick/#respond</comments>
		
		<dc:creator><![CDATA[Julie Sales]]></dc:creator>
		<pubDate>Wed, 10 Oct 2018 15:36:55 +0000</pubDate>
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		<guid isPermaLink="false">http://www.financesdemystified.com/?p=17242</guid>

					<description><![CDATA[<p>What is the recipe for success?</p>
<p>To be an entrepreneur is to get out of your comfort zone and sometime it’s an understatement.  You will go through a lot to attain success in entrepreneurship but your values and characteristics will take you there. </p>
<p>In this episode, we will hear about how David Simnick, CEO and co-founder of Soapbox and his team went through to get investors for their business; to not getting salary for the first years of their business; to hitting company money goals and finally making an impact.  What does David Simnick and other successful entrepreneurs have? Find out by listening in.</p>
<p>The post <a rel="nofollow" href="https://financesdemystified.com/recipe-for-success-david-simnick/">The Recipe for Success from a Successful Traveling Soap Salesman &#8211; David Simnick</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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					<h1 class="entry-title">The Recipe for Success from a Successful Traveling Soap Salesman &#8211; David Simnick</h1>
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				<div class="et_pb_text_inner"><p><iframe src='https://podomatic.com/embed/html5/episode/8914969?autoplay=false' height='208' width='504'frameborder='0' marginheight='0' marginwidth='0' scrolling='no' allowfullscreen></iframe></p></div>
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				<div class="et_pb_text_inner"><h5>Summary</h5></div>
			</div><div class="et_pb_module et_pb_text et_pb_text_21  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><p><span style="font-weight: 400;">What is the recipe for success?</span></p>
<p><span style="font-weight: 400;">To be an entrepreneur is to get out of your comfort zone and sometime it’s an understatement.  You will go through a lot to attain success in entrepreneurship but your values and characteristics will take you there. </span></p>
<p><span style="font-weight: 400;">In this episode, we will hear about how David Simnick, CEO and co-founder of Soapbox and his team went through to get investors for their business; to not getting salary for the first years of their business; to hitting company money goals and finally making an impact.  What does David Simnick and other successful entrepreneurs have? Find out by listening in.</span></p>
<p><span style="font-weight: 400;"><strong>P.S.</strong>  Are you a fan of Soapbox just like I am? Make it to the end of this episode to get your gift from David.  </span></p></div>
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				<div class="et_pb_text_inner"><h5>Resources</h5></div>
			</div><div class="et_pb_module et_pb_text et_pb_text_23  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><ul>
<li><a href="https://www.soapboxsoaps.com/" target="_blank" rel="noopener"><b>Soapboxsoaps.com</b></a><span style="font-weight: 400;">  &#8211; Get 20% off using this promo code &#8211;  dominique20</span></li>
<li><a href="https://www.amazon.com/stores/Soapbox/node/8379496011" target="_blank" rel="noopener"><b>Soapbox’s Amazon Shop</b></a><span style="font-weight: 400;"> &#8211; Get 20 % off using this promo code &#8211;  dominique20</span></li>
<li><a href="https://www.linkedin.com/in/davidsimnick" target="_blank" rel="noopener"><b>David’s LinkedIn</b></a></li>
</ul></div>
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				<div class="et_pb_text_inner"><h5>Key Takeaways</h5></div>
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				<div class="et_pb_text_inner"><ul>
<li style="font-weight: 400;"><span style="font-weight: 400;"><strong>Humility and the willingness to be mentored</strong> is an essential factor of an entrepreneur success. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">You need to know the things that you don&#8217;t know and get ahead before of the learning curve before that curve hurt you or your company.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Finding mentor is not that difficult. Finding the right mentor is incredibly difficult.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Small Ask is a theory used by Soapbox to get mentors and investors.  </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;"><strong>Small Ask</strong> is to make the ability for someone to engage in you really simple.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">When doing Small Ask show that you take the time to research and invest a time in that person.  </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">When you do this Small Ask you are actually getting that person to invest in you.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">You want your mentor to believe that your success is their success. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Mentors sometimes eventually become investors.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Things are not always going to work out the way that we want to but we believe that we can win. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;"><strong>Resilience</strong> is the number one key ingredient for successful entrepreneur. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Do not allow momentarily defeat to spell failure overall.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Your saving is the equity of the company, that the investors want you to have.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Being an entrepreneur is incredibly hard, and not that hard at the same time.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">If you are <strong>humble, hungry and smart</strong> and willing to work hard usually you can make a living as a entrepreneur but it is also incredibly risky and not safe at all. </span></li>
</ul></div>
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<p>The post <a rel="nofollow" href="https://financesdemystified.com/recipe-for-success-david-simnick/">The Recipe for Success from a Successful Traveling Soap Salesman &#8211; David Simnick</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
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		<title>How One Entrepreneur, Before 30 with $1,000 Saved, Started Two Multi-Million Dollar Businesses &#8211; Chiko Abengowe</title>
		<link>https://financesdemystified.com/entrepreneur-started-two-multi-million-dollar-businesses-chiko-abengowe/</link>
					<comments>https://financesdemystified.com/entrepreneur-started-two-multi-million-dollar-businesses-chiko-abengowe/#respond</comments>
		
		<dc:creator><![CDATA[Julie Sales]]></dc:creator>
		<pubDate>Mon, 01 Oct 2018 12:56:01 +0000</pubDate>
				<category><![CDATA[Podcast]]></category>
		<category><![CDATA[Starting a Business]]></category>
		<category><![CDATA[entrepreneur]]></category>
		<category><![CDATA[entrepreneurship]]></category>
		<category><![CDATA[million dollar business]]></category>
		<guid isPermaLink="false">http://www.financesdemystified.com/?p=17178</guid>

					<description><![CDATA[<p>Have you ever got that moment where you  want to quit your job and be an entrepreneur?  Chiko Abengowe, a millennial millionaire give in to that moment and quit his job at the age 26 with a thousand dollar savings to start his multi-million dollar companies, Perfect Staffing and Perfect Office.</p>
<p>In this episode, Chiko will share his experiences on how he got started, what were his past struggles as a thriving entrepreneur and how the decision to start a business early made the biggest difference in his life.</p>
<p>The post <a rel="nofollow" href="https://financesdemystified.com/entrepreneur-started-two-multi-million-dollar-businesses-chiko-abengowe/">How One Entrepreneur, Before 30 with $1,000 Saved, Started Two Multi-Million Dollar Businesses &#8211; Chiko Abengowe</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p><div class="et_pb_section et_pb_section_8 et_section_regular" >
				
				
				
				
				
				
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					<h1 class="entry-title">How One Entrepreneur, Before 30 with $1,000 Saved, Started Two Multi-Million Dollar Businesses &#8211; Chiko Abengowe</h1>
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			</div><div class="et_pb_module et_pb_text et_pb_text_26  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><p><center><iframe loading="lazy" src="https://podomatic.com/embed/html5/episode/8890418?autoplay=false" width="504" height="208" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></center></div>
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				<div class="et_pb_text_inner"><h5>Summary</h5></div>
			</div><div class="et_pb_module et_pb_text et_pb_text_28  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><span style="font-weight: 400;">Have you ever got that moment where you  want to quit your job and be an entrepreneur?  Chiko Abengowe, a millennial millionaire give in to that moment and quit his job at the age 26 with a thousand dollar savings to start his multi-million dollar companies, Perfect Staffing and Perfect Office.</span></p>
<p><span style="font-weight: 400;">In this episode, Chiko will share his experiences on how he got started, what were his past struggles as a thriving entrepreneur and how the decision to start a business early made the biggest difference in his life.  </span></div>
			</div><div class="et_pb_module et_pb_text et_pb_text_29  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><h5>Resources</h5></div>
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				<div class="et_pb_text_inner"><ul>
<li><a href="https://www.instagram.com/chikothedreamchaser/?hl=en" target="_blank" rel="noopener noreferrer"><b>Chiko’s Instagram</b></a></li>
<li><b></b><a href="http://perfectofficellc.com/" target="_blank" rel="noopener noreferrer"><b>Perfect Office</b></a></li>
</ul></div>
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				<div class="et_pb_text_inner"><h5>Key Takeaways</h5></div>
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<li><span style="font-weight: 400;">When it comes to entrepreneurship, you just gotta make a decision to start and have your mind wrapped around it and it gets figured out. </span></li>
<li><span style="font-weight: 400;">Leading at that point, I&#8217;m trying to get my finances together at a time. Taking steps to reduce my monthly expenses and creating other revenues outside of my job.</span></li>
<li><span style="font-weight: 400;">It was tough on the very beginning because of limited funds. I have to move back to my parents and cut back on  a lot of different things. And, even though in the beginning my business is growing on a little bit fast, I still did not pay myself that much.</span></li>
<li><span style="font-weight: 400;">On hitting your goal on the first year of business: It was being on the phone. The office space is very important and just make phone calls, sales calls and getting out there and trying to get something happen.</span></li>
<li><span style="font-weight: 400;">The pressure and being against off the wall as a entrepreneur will help you find ways to figure things out. </span></li>
<li><span style="font-weight: 400;">Going back is not an option.</span></li>
<li><span style="font-weight: 400;">If you want to be great get your finances right, get out of a job and get started learning.</span></li>
<li><span style="font-weight: 400;">It&#8217;s funny, once you made the decisions to move forward a whole bunch of life roadblocks come up.</span></li>
<li><span style="font-weight: 400;">The reason we ramp up very very fast is got our cost very very low, office space played a big part on that.</span></li>
<li><span style="font-weight: 400;">Entrepreneurs get hold back because of the cost of entrepreneurship.</span></li>
<li><span style="font-weight: 400;">I decided to break the market, make it more affordable and a little more flexible but at the same time professional. </span></li>
<li><span style="font-weight: 400;">As an entrepreneur you are always working on something.</span></li>
<li><span style="font-weight: 400;">Just start. You will be surprised how time flies if you start now you can put yourself in a whole other arena in 1-2-3-4 from now. You just got to start and figure it out.</span></li>
<li><span style="font-weight: 400;">You have to move in a type of mindset that anything is possible. </span></li>
</ul></div>
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		<title>Organization Demystified: Getting My Life Together with Evernote</title>
		<link>https://financesdemystified.com/organization-demystified-getting-life-together-evernote/</link>
					<comments>https://financesdemystified.com/organization-demystified-getting-life-together-evernote/#comments</comments>
		
		<dc:creator><![CDATA[Dominique Broadway]]></dc:creator>
		<pubDate>Fri, 09 Jun 2017 20:30:25 +0000</pubDate>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Starting a Business]]></category>
		<guid isPermaLink="false">http://dominiquebroadway.com/?p=11812</guid>

					<description><![CDATA[<p>The post <a rel="nofollow" href="https://financesdemystified.com/organization-demystified-getting-life-together-evernote/">Organization Demystified: Getting My Life Together with Evernote</a> appeared first on <a rel="nofollow" href="https://financesdemystified.com">Finances Demystified</a>.</p>
]]></description>
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					<h1 class="entry-title">Organization Demystified: Getting My Life Together with Evernote</h1>
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				<div class="et_pb_text_inner"><p>Thanks to my friends over at <a href="https://evernote.com/?utm_campaign=csmb17&amp;utm_source=social_thirdpartypost&amp;utm_medium=blogarticle&amp;utm_content=20170511-en-smb5" target="_blank" rel="noopener">Evernote</a> for partnering on this post.</p>
<p style="text-align: left;">When I first started my business, all I wanted to do was provide affordable and easy access to financial planning to people that typically were not able to access this quality financial advice. The firms that I previously worked at, would require you to have at least a million dollars in order to become a client and get financial advice and I was determined to change that!</p>
<p>As my business has grown, I have had to learn how to truly stay organized, as it seems that I am always working on a million projects. And once you add in my frequent travel schedule, thanks to speaking engagements, participating in accelerators and just enjoying exploring other cities, it can get very difficult to manage. So to help with my sanity and keep me in tune with my team, I have been using <a href="https://evernote.com/?utm_campaign=csmb17&amp;utm_source=social_thirdpartypost&amp;utm_medium=blogarticle&amp;utm_content=20170511-en-smb5" target="_blank" rel="noopener">Evernote</a> for a few years now. <a href="https://www.financesdemystified.com/wp-content/uploads/2017/06/IMG_3157.jpg"><img loading="lazy" decoding="async" class="size-large wp-image-11816 aligncenter" src="https://www.financesdemystified.com/wp-content/uploads/2017/06/IMG_3157-1024x768.jpg" alt="IMG_3157" width="669" height="502" srcset="https://financesdemystified.com/wp-content/uploads/2017/06/IMG_3157-1024x768.jpg 1024w, https://financesdemystified.com/wp-content/uploads/2017/06/IMG_3157-510x382.jpg 510w, https://financesdemystified.com/wp-content/uploads/2017/06/IMG_3157-300x225.jpg 300w, https://financesdemystified.com/wp-content/uploads/2017/06/IMG_3157-768x576.jpg 768w, https://financesdemystified.com/wp-content/uploads/2017/06/IMG_3157-1080x810.jpg 1080w, https://financesdemystified.com/wp-content/uploads/2017/06/IMG_3157-610x458.jpg 610w" sizes="(max-width: 669px) 100vw, 669px" /></a></p>
<p>When I first started using this app, I only used it to take notes when I was planning something for my business, and in my personal life I have used it to organize my ideas to redecorate my bedroom and I even have a notebook within <a href="https://evernote.com/?utm_campaign=csmb17&amp;utm_source=social_thirdpartypost&amp;utm_medium=blogarticle&amp;utm_content=20170511-en-smb5" target="_blank" rel="noopener">Evernote</a> to save all of my notes from church.</p>
<p style="text-align: left;"><span style="font-weight: 400;">Over the years they have added tons of new features and one of my favorites is the templates! The templates are awesome and you can add them to any of your notebooks within Evernote. The templates can help you do everything from plan out a project, budget for a project, work on your personal budget, manage your human resources and even set and track your monthly and quarterly goals. And with Evernote Premium I can access my notes even when I am 35,000 feet in the air jet-setting across the country with their offline availability feature.</span></p>
<p style="text-align: left;"><a href="https://www.financesdemystified.com/wp-content/uploads/2017/06/Template__Goal_Tracking.jpg"><img loading="lazy" decoding="async" class="size-full wp-image-11815 aligncenter" src="https://www.financesdemystified.com/wp-content/uploads/2017/06/Template__Goal_Tracking.jpg" alt="_Template__Goal_Tracking" width="969" height="564" srcset="https://financesdemystified.com/wp-content/uploads/2017/06/Template__Goal_Tracking.jpg 969w, https://financesdemystified.com/wp-content/uploads/2017/06/Template__Goal_Tracking-510x297.jpg 510w, https://financesdemystified.com/wp-content/uploads/2017/06/Template__Goal_Tracking-300x175.jpg 300w, https://financesdemystified.com/wp-content/uploads/2017/06/Template__Goal_Tracking-768x447.jpg 768w, https://financesdemystified.com/wp-content/uploads/2017/06/Template__Goal_Tracking-610x355.jpg 610w" sizes="(max-width: 969px) 100vw, 969px" /></a></p>
<p style="text-align: left;">One of the newest features that has taken my organization to a whole new level is the <a href="https://evernote.com/?utm_campaign=csmb17&amp;utm_source=social_thirdpartypost&amp;utm_medium=blogarticle&amp;utm_content=20170511-en-smb5" target="_blank" rel="noopener">Evernote</a> &amp; Google Calendar Integration! <a href="https://evernote.com/?utm_campaign=csmb17&amp;utm_source=social_thirdpartypost&amp;utm_medium=blogarticle&amp;utm_content=20170511-en-smb5" target="_blank" rel="noopener">Evernote Premium</a> will automatically sync with your Calendar and will pre-fill a note based on the meeting information on your calendar, so all you have to do is open Evernote and start taking notes for the specific event! Loving this feature! It makes it super easy to share with your team after, so everyone is on the same page.</p>
<p style="text-align: left;"><a href="https://www.financesdemystified.com/wp-content/uploads/2017/06/Evernote_Partnership___Evernote_Web.jpg"><img loading="lazy" decoding="async" class="size-large wp-image-11813 aligncenter" src="https://www.financesdemystified.com/wp-content/uploads/2017/06/Evernote_Partnership___Evernote_Web-1024x521.jpg" alt="Evernote_Partnership___Evernote_Web" width="669" height="340" srcset="https://financesdemystified.com/wp-content/uploads/2017/06/Evernote_Partnership___Evernote_Web-1024x521.jpg 1024w, https://financesdemystified.com/wp-content/uploads/2017/06/Evernote_Partnership___Evernote_Web-510x260.jpg 510w, https://financesdemystified.com/wp-content/uploads/2017/06/Evernote_Partnership___Evernote_Web-300x153.jpg 300w, https://financesdemystified.com/wp-content/uploads/2017/06/Evernote_Partnership___Evernote_Web-768x391.jpg 768w, https://financesdemystified.com/wp-content/uploads/2017/06/Evernote_Partnership___Evernote_Web-1080x550.jpg 1080w, https://financesdemystified.com/wp-content/uploads/2017/06/Evernote_Partnership___Evernote_Web-610x310.jpg 610w, https://financesdemystified.com/wp-content/uploads/2017/06/Evernote_Partnership___Evernote_Web.jpg 1342w" sizes="(max-width: 669px) 100vw, 669px" /></a></p>
<p>As we add more projects and people to the team, communication and clarity are critical amongst my dream team. <a href="https://evernote.com/?utm_campaign=csmb17&amp;utm_source=social_thirdpartypost&amp;utm_medium=blogarticle&amp;utm_content=20170511-en-smb5" target="_blank" rel="noopener">Evernote Premium</a> has been a great tool to keep my busy, visual mind organized and on track! Can’t wait to see what features they come out with next!</p>
<p>This post was created in partnership with <a href="https://evernote.com/?utm_campaign=csmb17&amp;utm_source=social_thirdpartypost&amp;utm_medium=blogarticle&amp;utm_content=20170511-en-smb5" target="_blank" rel="noopener">Evernote</a>. All opinions are my own.</p></div>
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