My Swagbucks Review

my-swagbucks-reviewYou may have heard me discuss Swagbucks once or twice in the past. Swagbucks is a site where you earn points called (SB) for things that you’re probably already doing online like searching, watching videos, discovering deals and taking surveys. Those points can be exchanged for gift cards to places like Amazon, Starbucks, Walmart, or for PayPal cash.

I’ve been using Swagbucks on and off since late 2012. Over time, I’ve earned enough Swagbucks to get a couple of Amazon gift cards and some PayPal cash. I took some time off from Swagbucks in 2015 but got back into it earlier this year. It’s an easy way to earn points to get free stuff. Below, I want to go into a little more detail on how you can earn more SB.


You can earn SB when you shop online. The amounts that you can earn differ per store. They have local deals and numerous categories that you can choose from. Some of the places that you can shop at are Macy’s, Walmart, Priceline, and Amazon.


You can earn SB by watching different videos. They have short films, recipes, and sponsored content. Some of those videos are pretty good. You may find yourself watching them for a couple of hours.


The answer section is where the surveys are located.  The surveys vary in amounts. Most of them take between 10-20 minutes to complete. The average survey pays about 75 SB. You won’t always qualify for every survey. Your answers to the beginning questions will let you know if you qualify.


The discover section is pretty unique. That section has different offers that you can sign up for. For example, you can earn 2000 SB for signing for GameFly. If you play video games, you might want to look into that.


Using the Swagbucks search engine gives you the opportunity to earn more SB. I literally just earned 6 SB while searching for something. You can earn more if you make SB your default search engine. There are instructions on how to set it as your default engine on Firefox, Chrome, and Internet Explorer.


The final way that you can earn SB is by playing online games. There are games like Bingo, Tetris, and Deal or No Deal to choose from. Something that

Something that’s cool about Sb is that you can cash out at any time. They have gift cards for as low as 300 SB ($3 Amazon gift card).

I have a couple of debts that I plan on paying off in the next few months. The money that I make will go towards it. Every little bit counts. If you have some time on your hands and you want to earn a few bucks on the side, you should give SB a chance. This month, you can get a 400 bonus by signing up. It’s easy to do.

Sign up through this link.

Earn 300 SB before November 1st. That will get you a 300 SB bonus that will be applied at the beginning of November. Complete one survey before November 4th and you’ll get an additional bonus of 100 SB.

Let’s recap. If you do all of those things, you’ll have at least 700 SB to spend. Plus, there are all sorts of great deals & other earning opportunities all October long. So why stop at 300 SB? You could earn a lot more. Sign up now!

Have you ever heard of SB before today?

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Making Money on the Beach: Tips for People Looking to Get into Real Estate

Today I have a guest post from John Delia. He owns the site Lifelibertynproperty

making-money-on-the-beach-tips-for-people-looking-to-get-into-eal-estate1Picture this, you’re on vacation in the Caribbean. There’s sand in between your toes and a cold tropical drink in hand. As you settle into your beach chair, trying to find that perfect comfy spot, you receive an alert on your smartphone. BING! Twelve hundred and fifty dollars have been deposited into your bank account. Awesome! Talk about a great vacation. It’s the first week of the month and your property manager just let you know your tenant paid their rent. This is the life of a landlord. #Landlordproblems.

We’ve all heard the potential of making riches and building wealth in real estate. Living a location independent lifestyle is not just for personalities on HGTV. Passive income really gives you freedom. Owning real estate is a path to financial freedom. We’re not talking get rich quick schemes or no money down dreams. Sorry, you’ll definitely have to work for it but, trust us… it’s worth it! You may have a down payment already saved or money sitting in your 401K or IRA. Consider real estate investing as a vehicle for buying freedom.

Many of us desire to leave our full-time jobs, having more time to spend time doing things we are passionate about. We all want to spend time with our family and the people we care about most. This is the freedom and personal liberty we gain through property ownership. The following are some actionable tips to consider for new or potential real estate investors.

Your Vision is Critical

There is no rush! Start your portfolio as big or small as you feel comfortable. Regardless of the size, it is important to set goals for the first few years as soon as you begin. Consider how you want to shape your real estate presence now and in the future. You can achieve big things with a clear and well thought of vision. Part of your vision should be to specifically define and describe what it is you’re going to achieve.

This simply means to have a plan! How much money do you want to make monthly for your real estate investing? Will you become a full-time investor or do you plan to keep working while investing on the side? There is no one size fits all model. Do what is right for your life and situation. Remember, your vision doesn’t always have to be rigid. It can be flexible. What is important is to understand your range and comfort level clearly.

Know and understand your local market

Most people fear getting calls late at night from a tenant saying the house is flooding, or something is wrong. You don’t have to receive calls when a house you own needs repair. It is perfectly reasonable to decide from day one that you want to be an invisible landlord. Hiring a property manager is a great way to mitigate the potential headaches and tenant problems.

Besides receiving annoying calls at odd hours, prospective real estate investors are often also concerned about losing their shirt. No one wants to lose money or make the wrong investment decision. Take your time in doing research when developing your investment business plan.

What metrics can you use to ensure success?

Who will be a critical member of your team?

Do the research and make yourself as prepared as possible for bumps in the road.

Read case studies and focus on people who have been successful in similar markets. Find people who have similar aspirations to your own. Set goals and a timeline to start achieving.

Being Solo vs. Partnerships

Facing a new business venture along can be daunting. Some investors have benefited from choosing a trusted counterpart to join in on their investment. One of the primary appeals is having another person to bounce ideas off of. The old saying is true, two heads are better than one, especially in areas that require creativity and problem solving.

Another benefit is the balance of different perspectives regarding investment decisions. These decisions have a shared financial partnership. When the risk is distributed across multiple parties, it takes some of the burdens off of you alone…but it also splits the profits. Remember, partnerships are a serious long term commitment. If you do decide to enter a partnership, enter it with the care and due diligence as you would a marriage. Consider how responsibilities are to be split and consider putting all agreements in writing.

Financing makes the world go around

You may have heard the concept of leverage is one of the unique attributes that makes real estate an attractive investment. Real estate investing without leverage is often slow and not scalable. Banks and mortgages allow you to use other people’s money to grow your wealth. Your tenants pay the bill for your investment property, and sometimes you may collect a profit also.

All in all, real estate investing can be a profitable endeavor if it undertaken with prudent care and research. It can produce dividends long after the initial investment was made and has the potential to deliver outsized returns for many years.

Life, Money

#1KHustle Challenge Week 2 Update

1k-hustle-1What’s up, everyone? Week number two of the #1KHustle challenge is almost over. I hope you have been having a great week side hustling. Hopefully, you made strides to get to your goal this week. This week has been pretty good for me. I had two more eBay sales and I made a small eBook for a client. I’m a third of the way to $1000. If things go well this weekend, I’ll probably be more than halfway there.

How I plan on killing it the rest of the month:

  • Promote my existing eBay auctions more

  • Finding more things to sell by visiting more thrift shops

  • Create a working Facebook ad for one of my t-shirt designs.  Shout out to LaTisha!

  • Work on more freelance projects

I’m ready to go into overdrive for this challenge. Who’s with me?

How has it been going for you? Are you struggling to make the extra money? Let me know how things are going for you in the comment section.

Money, Motivation, Side Hustles , ,

Why Wait? Start Now!

why-wait-start-nowWhat’s going on everyone? It will be 2017 in little more than two months. Many people are getting prepared to write down their goals for the upcoming year. I have a question for you if you’re one of those people. Why are you waiting for 2017? There is still more than two months to go in 2016. If you start some of your goals or resolutions now, they will be habits by January. Below are a few general goals that people have. You can start doing them this week.


Many people wait until January to start a workout plan. If you do it now, you will have a new habit that you can continue doing throughout the New Year. Working out helps you feel better, and it releases stress. You don’t have to go super hard in the gym at the beginning. The key is to start out doing a light exercise at first. The more you workout, the more intense it can get. You can start off by jogging for 20 minutes a few times each week, or you can attend a couple of fitness classes.  My gym membership expired in July. Since I was busy this summer, I put off renewing it until last week. I’ve started my workout regimen again, and I’m already feeling more energized.

Start eating better

The second thing that you can do is start eating better. There are several websites where you can find healthier recipes. That way you can cook more and spend less on fast food. There are several health food stores and farmers where I live at. Hopefully, your city is the same way. Your body will thank you once you start eating better.

Work on your credit

Good credit is something that all of us strive for. The quicker that you change your bad money habits, the sooner that your credit will change for the better. If you don’t know your credit score, you need to find out what it is as soon as possible. One place that you can find it easily is at credit sesame. Credit Sesame gives recommended actions that you can take to get help you get better credit.

Save money

Start saving money now if you haven’t already done so. Things can happen unexpectedly in life. It’s good to have some money saved just in case. You can have a small amount taken out of your check each pay period automatically. If you don’t make enough at your full-time job you still need to find a way to save. There are multiple ways that you can make some extra money. I’m currently co-hosting a side hustle income challenge (#1KHustle). Our goal is to make an extra $1000 from Oct 3rd – Nov. 4th. If you need help coming up with side hustle ideas, check that post out here.

Start reading more

Over the years, I’ve seen people set a goal to read more books. That was one of mine a few years ago. I went from reading 1-2 books in a year to reading 8. It’s easy to do. Read a few chapters when you get up in the morning and read a few before you go to bed. If you do that consistently, you will have finished a few books in no time.

What goal do you have for 2017 that you can start this month?

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The 5 Year Letter…What is it?

the-5-year-letter-what-is-itThe 5-year letter is an interesting concept. I found out about it a few years ago. It’s when you write a letter to yourself five years in the future. A couple of friends and I wrote letters to each other and then read them aloud. I recently found mine, which was written on 12/18/12, nearly four years ago. Below are some snippets from my letter.

“I am proud of you. You have done the unthinkable. You have succeeded when people doubted you.  Setting goals to leave the 9-5 grind and doing the cross country trip did wonders for you. You should have done it earlier haha. The sacrifices you made in 2013 were the thing you needed to do. Life about how you look at things. You always knew the glass was half full. You went from selling calendars, to candy, to now this. You realized after working BS jobs that it was more to life than being a 9-5 slave.  You have multiple streams of income and it’s only the beginning.”

It’s crazy that I wrote that almost four years ago. A lot has changed during that time. I did leave the 9-5 work world for over a year. I’m back working a 9-5 job again, but I’m better prepared for the next time I leave. 2013 was an epic year. I quit my previous full-time job and traveled across the country. Those were two of the best decisions that I’ve made in my life. They helped me get out of my comfort zone and push myself to the limits.

The last sentence about multiple streams of income is so real. At the time I wrote the letter, I wasn’t selling much if anything on eBay. Now I’m selling on there and doing other things to make money.  The crazy thing is that this letter isn’t even five years old yet. I’m still working on some things that I talked about in it. I will give another update on the five-year letter on 12/18/17 to see where I’m at.

If you’re contemplating writing a letter to yourself, here are some things you can write about:

Future goals


The type of career that you have

How you did something great

The letter doesn’t have to be for five years in the future. You can do it for 1 or 2 years. Once you finish writing the letter, put it someplace that is safe and secure.

Have you ever done an exercise like this? Are you going to write one?

Life, Motivation , ,

5 Side Hustles That Can Help You Pay Off Debt

5-side-hustlesMany people are in some type of debt. Whether it’s student loan or credit card debt, people are feeling its burden. It doesn’t have to be forever, though. Many people are taking charge of their situations and are paying off that debt with different side hustles. Today I want to share with you 6 side hustles that can help you pay off debt.


The 1st side hustle that can help you pay off your debt is to sell items on eBay.  I’ve been selling on eBay for a few years now. People will buy almost anything. Anyone can sell on eBay. It’s free to setup an account. When deciding on what to sell all you have to do is check their website and do a little research. Some items that have sold for me are sports jerseys and coffee mugs.

Selling T-Shirts

Selling t-shirts is another side hustle that you can do to make some extra money. In the past, you would have to spend money on designs, printing, and inventory. Now, more than ever it’s easier to design and sell shirts for free. There are websites such as Teespring and Spreadshirt, which allow you to upload or create a design and sell it. You can make money on every shirt that sells. If you have a design that goes viral, you can make thousands of dollars on it. Benny Hsu has made over $100,000 selling t-shirts. That is motivation right there.

Online Surveys

The third side hustle that you can try is online surveys. While you will not get rich by completing them, you can make a couple of hundred dollars per month if you work hard at it. There are several legit survey sites to choose from such as Swagbucks or Amazon Mechanical Turk. I’ve collected quite a few gift cards from Swagbucks over the years.  Check them out today here.


Freelancing is another side hustle that can help you pay off debt. The sky could be the limit for you when you freelance. The more you work, the more money you can make. It’s that simple. There are several types of freelancers out there such as writers, photographers, web designers and social media assistants.  If you need a freelance writer, feel free to contact me.

Part-time job

The final side hustle that can help you pay off your debt is getting a part-time job. If you work a 9-5 job, you can work a part-time job on weeknights or on the weekends. There are always food delivery driver and restaurant staff opportunities available. If you need to pay off debt, you should check out some of those part-time jobs today.

To summarize, the 5 side hustles that can help you pay off debt were selling things on eBay, selling t-shirts, online surveys, freelancing, and getting a part-time job. If you are in debt, realize that you don’t have to be there forever. It will take some hard work, but it can happen.

Have you tried any of these side hustles before?

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Month in Review: September 2016

month-in-review-september-2016September was a hell of a month for me. Having back to back epic months was great.  So many fun things happened in September. I attended FinCon for the second year in a row. I had my best side hustle income month of the year. I also had the chance to scratch another stadium off my list.

Over the last few months, I’ve seen other bloggers who still have a job tally up the number of hours that they do for their side hustle. I wanted to see how much time I spend on my stuff.  For the week of  9/11 – 9/17, I jotted down the hours and minutes that I worked. I ended up working 19 hours and 37 minutes on side hustle related things.  This time does not include anything that I do blog related at during my lunch time at work. The results were kind of interesting to me. I didn’t even work every day during that week. I may need to jot the time for the whole month because I’m sure some weeks I work more than that.

As I stated earlier, the side hustle income is still going great. As it continues to grow, I will be able to add more to my debt finally. It’s amazing how all of this happened with a blog. If you want to start a blog of your own, make sure you check out my step by step guide on creating a website with Bluehost. Use my link to get your hosting for as little as $3.45 per month (this low price is only available through my link). It usually costs $7.99 per month. You also get a free domain when signing up through my link.

If you’ve been reading my previous posts, you know that I have been out of town once per month since June. I’m a little tired of traveling at the moment. I will be in Atlanta working hard on a few things for the next few months.

Top Posts of The Month

How My Life Changed After FinCon

My Costa Rica Trip

My Spirit Airlines Review

5 Last Minute Summer Attractions

How I Made Over $1000 in Side Hustle Income Last Month

FinCon was held in the beautiful city of San Diego. It was my second time attending the conference. I had a great time my first year, but it was 20 times better this year. I got the chance to hang out with my blogger buddies and discuss the successes of this past year. I didn’t attend as many sessions as I did last year, but I made a lot of meaningful connections. It was great being around so many liked minded individuals. The conference helped me to think different.

Since I was in San Diego, I figured that I would also check out a Padres game. Petco Park was the 14th MLB stadium that I’ve been to. Below are a few pictures from FinCon and Petco.

imag0923 imag0931 imag0914 imag0911

This post contains affiliate links. Feel free to view my disclosure here.

How was your September?

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