Spring is Finally Here (Most Places)

springg

Spring is finally here, even though it may not feel like it in some places. Eventually the weather will get warmer and flowers will start blooming. Spring is a good time to take a moment and re-evaluate your year so far. Below are 6 things that you can do to make sure you spring starts off well.

Clean your house/apt

What better way to start spring than to have a spring cleaning day at your home/apartment. I usually take a day and do a thorough cleaning of my apartment. I go through almost everything that I own separating what I need and what I don’t. Eliminating things that I don’t need is a great way to clear out clutter and make more space.

Sell some items

After I finish my spring cleaning I usually have some items that I don’t need or use anymore. I know that I can sell some of those items on eBay. You may be in the same situation. If you are truly interested in getting started and learning how eBay works you are welcome to send me an e-mail or  a tweet. Who doesn’t like to make money off their old items?

Donate some things

For the items that I don’t sell I donate them. Thankfully, there are numerous stores such as Value Village, Goodwill or the Salvation Army that gladly accepts your old stuff.  If you don’t have any of those places near you, you might be able to find a donation box or a donation bin in your local grocery stores parking lot. You can donate items such as clothes, books and electronics.

Plan your summer trips

If you plan on traveling this summer it’s time to start planning now. If you’re flying you want to book your flights weeks in advance so that you can receive the best deal.  Also hotel rooms may be cheaper as well. Websites such as Kayak and Priceline are good to start with.

Go over your goals

Take a look at your 2015 goals. How have you met your goals for the first three months? Did you complete as many of them as you thought you would? If not push them back to a later date this year. Think of it as a work in progress not failure. Life happens and things don’t always go as planned.  This is when you must have faith and keep moving forward. Take a deep breath and re-evaluate Schedule them for later this year or next year if you have to.

Stick to your budget

The warmer weather of spring could mean that you want to be out more. If you’re not careful that could potentially mean more spending that could ruin your budget. This is the perfect time for you to go over that budget and make sure that you have enough money to hang out when you want to. Just because it’s spring doesn’t mean that you have to go crazy with your spending. Start planning what you want to do and stick to that budget.

Are you excited about the warmer weather? What are some things that you are planning to do this spring?

 

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March RoundUp

Image courtesy of vectorolie at FreeDigitalPhotos.net

Image courtesy of vectorolie at FreeDigitalPhotos.net

March is almost over. Time for this month’s round up. Each month I create a round up featuring posts that I found interesting. This month I have 5. Enjoy.

Ken from Off the Leash gives us an interesting  Grand Tour of America .

Jeri from JeriWB has a guest post on How to Balance Marketing Efforts with Creative Endeavors 

Michelle from Making Sense of Cents wonders Is Your Laziness Costing You Money?

Erin from Young Adult Money offers 4 Ways to Free Yourself from Jealousy.

Alexis from Fitnancials shows us How to Save Money While Traveling.

Enjoy your weekend!

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6 Things I Wouldn’t Do To Make Extra Money (I did 1)

6 things

The name of the game for people who are trying to pay off debt quickly is to make extra money. Many bloggers including myself create different posts on ways to make extra money. I seldom see any articles talking about things that people wouldn’t do to make extra cash. This post covers 6 things that I wouldn’t do to make extra money. I used to do one of the items on the list, but honestly it was too time consuming.

Sell Drugs

The first thing that I wouldn’t do to make extra money is sell drugs. Some people see it as easy or fast money, but it’s something that I wouldn’t do. First off it’s illegal. I’m not trying to go to anyone’s jail. I enjoy my freedom. Second, selling drugs would eventually make you paranoid. You’d have to worry about getting caught by the police or a rival dealer. Finally, how could I do more damage to the community and sleep at night? Drugs have destroyed a lot of communities in this country. There is no way that I could be a part of that.

Scam People

The second thing that I wouldn’t do is scam people. I hear or read about elderly people getting scammed out of thousands of dollars all the time. You have to be a heartless person to do something like that. Scams come in different shapes and forms so always pay attention.

Promote or sell a product that wouldn’t help someone.

The third thing that I wouldn’t do is promote or sell a product that wouldn’t help someone. Honestly that is one of the reasons that I’m not in the banking industry anymore. I’m not going to name the bank, but my branch in Atlanta used to be so money hungry. They used to want us to ask almost every customer to sign up for a credit card or a loan. This particular branch was on a side of town where people didn’t have the best income. What the hell do I look like trying to get a customer to sign up for a credit card when they only have $5 in their checking account and $0.60 in their savings? I wouldn’t be helping them. If anything, I would be getting them into more debt. I couldn’t do it. That’s why I left banking as soon as I could.

Get a part time job that is more strenuous than your full time job.

The fourth thing that I wouldn’t do is get a part time job that was more strenuous than my full time job. Your part time job is there for you to make extra money. That’s it. It makes no sense to take a PT job that leaves you more stressed out or tired than your FT job. That could lead to your performance dropping on your FT job. That’s not good.

Rent my car

The fifth thing that I wouldn’t do to make extra money is rent my own car. I’ve had issues with a couple of cars the past few years. I don’t really trust anyone with it. I definitely wouldn’t trust a stranger with it, even if I was getting paid. Some people may be able to make decent money by renting their vehicle. To each his own.

Online Surveys

We have made it to the final thing that I wouldn’t do for money. If you’ve been a reader for a while you may realize that online surveys are something that I used to do. You can make money off of online surveys, but I’ve realized that the returns are too small for me. I really don’t have the time to sit at the computer and fill out a 20-30 minute survey just to receive pennies on the dollar. There are other side hustles (eBay) where you can make MUCH more money in less time. I would rather spend my time doing that.

To sum it up, the six things that I wouldn’t do to make money are sell drugs, scam people, promote or sell a product that isn’t helping people, get a strenuous PT job, rent my car or complete online surveys. Have you done any of these things to make extra money? What wouldn’t you do to make extra money? Feel free to comment below.

If you need ideas on how to make extra money sign up for my eBook titled “20 Ways to Make Extra Money” HERE.

 

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March 2015 Debt Update

march 2015 debt update

Here is my March 2015 Debt Update.

My total debt went down from $72,194.17 to $71,953.81. That was a $240.36 decrease. Last month’s decrease was much bigger. I’m not worried though. Here are the breakdowns:

Loan 2 – Down from $6000 to $5990

 

CU Loan – Down from $465.58 to $451.49

 

Wells Fargo Loan – Down from $1497.41 to $1451.14

 

Discover  Card – Down from $163.28 to $101.65

 

Bank of America Card – Down from $3353.72 to $3319.10

 

Navient (Formerly Sallie Mae) – Down from $26,151.12 to $26,051.29

 

Nelnet – UP from 34,563.06 to $34,589.14

I see that the interest on a few items made a difference. Next month’s decrease will be better because I  start my part time job again. That means I will be able to add more money to the  debts. I’m also excited about the amount that I owe Discover. It is very close to being paid off. I’m ready to get this snowball a little bigger.

How is you debt repayment coming?


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10 Colleges/Universities in the Baltimore, MD Area

morgansThis month I am outlining colleges and universities in the Baltimore, MD area.

John Hopkins University

John Hopkins University was established in 1876. Throughout its history John Hopkins has ranked among the top universities in the world. 36 Nobel Prize winners have been affiliated with the university.

Towson University

Towson University is a public university that was founded in 1866. Their nickname is the Tigers.

Coppin State University

Coppin State University is an HBCU. Their motto is “Nurturing potential, transforming lives”.

Morgan State University

Morgan State University was established in 1867. With nearly 8000 students, it is the largest HBCU in Maryland. Iota Phi Theta Fraternity, Inc. was founded there.

University of Baltimore

The University of Baltimore is a public university that was founded in 1925. Their motto is “Knowledge that works”.

Loyola University Maryland

Loyola University Maryland is a private, Roman Catholic university. Their colors are green and gray.

Goucher College

Goucher College is a private, liberal arts college that was founded in 1885. It is the only college in the US that requires a study abroad experience.

Notre Dame of Maryland University

The Notre Dame of Maryland University is an independent, Catholic school. Their motto is “We pursue truth”.

Sojourner-Douglass College

Sojourner-Douglass College is a private school that was established in 1972. It focuses on educating adult students.

Stevenson University

Stevenson University is a private, liberal arts school. Their motto is “For learning, for living”.

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I Need Your Help!!

2015 reader survey

I hope everyone is doing well. Spring is in the air. Today’s post is different. I decided to create a short readers survey. I want to make sure that I am providing value to y’all. The survey is only 10 questions long. The responses will only be seen by me. They will be used to help further the development of my blog. I will share the results of the survey in mid-April. You can complete the survey below. Thanks in advance!

 

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March 2015 eBay Update

ebayFebruary was another great month for the eBay sales. I made my goal with 2 days to spare. I sold my 1st item this month a couple days ago. I currently have 21 items for sale right now. This is the most that I’ve ever had listed at one time. Below is one of my sales from last month.

ebaykobe

I found those Kobe’s at thrift store for $15 bucks. I sold them for $105. That’s another quick flip. I love selling shoes on eBay. They typically always sell well. My plan for the next month is to go to thrift stores that I’ve never been to and check their inventory. I know there are some steals out there.

Here are a few of my active auctions:

Adidas Real Madrid Soccer Jersey

Buffalo New York Mug

New England Patriots Sweatshirt

Nike SB Blazer

New Balance 580 Revlite

How is your hustling coming this month?

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