Whether you are trying to pay off debts, save up for something specific, or just want to have more disposable income, there may be points in your life when you need to earn extra money. You could get a second part-time job, but these can be hard to come by and time-consuming. You might have trouble fitting them around your regular job or other obligations. However, there are plenty of other options depending on your skills and interests.

Spend Less Each Month

It’s not exactly a way to earn more money, but it has the same outcome. You may be able to pay yourself by taking a longer time to pay back your student loans. This would mean lowering your monthly payment into a new loan while saving more in the long run in interest than your current loan or loans. However, assuming that your income will increase over the years, you may be able to pay off the loans much sooner even if you take this option by making additional payments.

Sell Items You Own or Make

From books to clothes to furniture to movies and more, there are many opportunities to sell items you no longer have any use for. Depending on how much time you have and your comfort levels, you might want to sell online, at a yard sale or on consignment in a shop. You might think that you have nothing of value, but take a look online and offline. You’d be surprised what people will pay for.

Have you always enjoyed knitting, woodworking, painting or even growing vegetables? You might be able to sell your creations. Be sure to take both the cost of materials and labor into account when you set your prices. There are places online specifically set up to sell handmade things, but you might also look into local markets, shops and craft fairs.

Try Out the Gig Economy

If you have a knack for teaching or organizing, you could get work as an online tutor or virtual assistant. There are opportunities online for writers and editors and for just about any other kind of skill as well. Even if you think of yourself as not possessing unique special skills, you might be surprised at what some will pay you to do, from putting together ready-to-assemble furniture to doing yard work to running errands and more. If you own a vehicle, there are various driving and delivery opportunities. An advantage of the gig economy is that it doesn’t require the commitment of a full-time job, so you can pick up extra money when you need it and focus on other things when you are too busy.

Explore the World of Cryptocurrency

You may want to look into investing in cryptocurrency. Cryptocurrency has become much more mainstream in recent years, and you can make an investment without spending hours of your time mining. You do need to do your research, and that starts with finding a reputable exchange. You should also make sure that you keep careful records of where your investment is stored and how to access it.

If you’re like me, you’re probably looking to stretch your dollar as far as it will go.  Well here is a win I wanted to share with Dinks readers.

The story is I got a gift card for Christmas, but hadn’t used it all. It had about $20 dollars left on it.  I needed groceries and didn’t want to pay full retail.  So, I checked my local Kroger circular online and identified a couple of deals.  Then I walked to my local Kroger store and bought the following:

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what is a nest egg and how do you build one

Its past new years and before tax season.  That means a lot of people are thinking about how to allocate their money for retirement.  You may also be considering how to build up your own nest egg.  But, what is a nest egg and how do you build one? Here is a handy definition and some rules of thumb.

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This Is Why You Should Keep Your Money Yours_ Relationship Advice

Couples fight. Whether it’s about taking the dog out, changing the lightbulbs or money, it is inevitable. So why not try to mitigate the subjects that could be fought over? In this article, we talk about how to manage your money as a couple in a way that will help you both avoid any feuds.

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Sometimes it is a good idea to periodically look at your expenses with a view to trimming the fat.  I had some spare time on Saturday and had at look at my internet, cell phone and subscription entertainment.

Called my cell phone provider, T Mobile, and switched to a plan that gives me the same level of service for $5 less per month.  The call took about twenty minutes.

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Ed Slott_ Bio, Net Worth & Other Information

Ed Slott, also known as “America’s IRA Expert” according to Mutual Funds Magazine, has quite a bit of knowledge when it comes to the realm of retirement planning. More often than not, folks find themselves going to Ed even when they have a financial advisor, simply due to the fact that they fear their advisor doesn’t know as much as Ed. In this article, we will look at Ed’s background, net worth and other valuable information to get a picture of who this retirement guru really is.

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Janus, Roman god of war and transitions

Image of the Roman god of war and transitions, Janus. Janus exemplified the Roman belief that the human condition was marked by ongoing transitions between war and peace.

This posting is on what to do with your personal finances in the event of war.

Wait, isn’t this topic ridiculous? Wars just don’t happen that much these days. While it is true that wars, industrial accidents, and crime have become increasingly rare in the last 100 years, such events can generate significant personal risk.

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In honor of the fact that its pretty much 2020 already, here is a classic Saturday Night Live skit with some timeless advice

A unique program for managing your debt. SNL skit featuring Steve Martin, Amy Poehler and Chris Parnell. So simple you can do it too!

SNL- Don’t Buy Stuff from Certell on Vimeo.