A lot of people are surprised when they find out I was able to buy a house on my own at the ripe young age of 23, especially when they know or find out that I worked in a doggie daycare (definitely not in the list of the most glamorous or well paying jobs).
I am by no means an expert, and I’ve had a lot of help from my parents along the way. Namely, the fact that they let me stay in their house rent free for a year with a full time job while I saved up money to buy said house. As much as I saved, I did spend and splurge a little more than I should have at times. Over the course of that year I bought a refurbished laptop and camera, amongst many other smaller purchases.
Now, I’m not saying that you should save all your money and never splurge on anything, and obviously I would be quite the hypocrite if I did. I personally think treating yourself every once in a while is necessary to avoid burnout. One of the things that helps me most with my random “treat-yo-self” splurges is Ebates. If you shop online, like at all, you should know what Ebates is and if you don’t you need to ASAP. It’s basically an electronic rebate site (get it…. e-bates) that gets you cash back from hundreds of stores online. It usually varies around a few % cashback per purchase, but I’ve had up to 15% back or sometimes even a set dollar amount back for specific purchases. They cash you out every 3 months as long as you’ve earned over $5 (easy if you shop online a lot), and if not it just rolls over to the next pay period until you do. I get mine deposited straight into my PayPal account, but you can also have them mail you a check. Since most of my splurging is done online, Ebates has been one of the best websites I’ve found.
On the other hand, I like to make a little extra cash in addition to saving (duh). I do like to take on odd jobs every once in a while for extra cash, but since I sort of made odd jobs my full time job (caring for kids and dogs) I can’t really count it as “extra” cash anymore now that it is my income. I do, however, have another virtual trick for making money while I sit on my butt watching Netflix and that trick is Mintvine. You’ve probably heard of survey sites before and maybe even tried a few out. I know I had, but I didn’t really like any until I found Mintvine. It has by far been the easiest to actually obtain points from and cash out. I’m not saying that you could make this your full time job or anything, far from it, but it is nice to get an extra $10 here and there while you’re otherwise being lazy. My favourite thing about Mintvine is their daily poll. If you just go to the site every day and answer a quick poll question you get 5 points, and if you manage to do that 10 days in a row you also get a 25 point “streak” bonus. Once you hit a thousand points you can cash out $10. Obviously, it would take quite a while if you’re only using the daily poll to get points, but that’s not what it’s designed for anyway. You’ll get more points from actually completing the surveys because companies that want information about consumers and their products will pay for it.
Nothing can replace working hard and being smart with your finances, but if you can make + save a little extra, then why not?? It adds up just like the coins in my coffee tin👌
Let me know if you have any other tips for making and saving money! (I need it more than ever after starting my own business lol)