40+ Ways to Make Extra Money This Month

40+ Ways to Make Extra Money This Month | Money | Side Hustles | Extra Money |This post may contain affiliate links. We may receive a commission on purchases made through links at no extra cost to you. Thank you so much for supporting this site. Read the full disclosure here.

Many people could use extra money from time to time. An emergency could happen, or they could want to save for a family trip. Whatever the reason is, I want people to know that there are many ways for you to make extra money. In this post, I will go over 40+ ways to make extra money this month.

Server/Bartender

One of the easiest ways to make some extra money is to consider becoming a server or a bartender. There are many restaurants that you can apply to. If you have a 9-5 job, you can serve or bartend once you get off or on the weekends. If you are good at it, you could make a couple of hundred bucks a night.

Airbnb

If you have your own place, you can rent it on Airbnb. You can list your whole home or rent out a spare room. I know a couple of people who’ve listed their properties before in the past. They say that it’s easy for the most part. If you are interested in starting with Airbnb, visit this link.

Personal Trainer

If you are in shape and you enjoy working out, you could become a personal trainer. As people get older, they want to take better care of themselves. As a personal trainer, you can help them with that. There are different ways for you to promote your services such as word of mouth or via social media.

Swagbucks

If you are looking for a place to legitimately do online surveys and small online tasks, then you should check out Swagbucks. Swagbucks is a free website that allows you to get “Swagbucks” for doing surveys, watching videos and more. The Swagbucks can then be redeemed for gift cards and PayPal cash.

Related Post: My Swagbucks Review

Tutor

If you are a whiz at a particular subject, you could tutor people. Math and science are subjects that students struggle with. You can search online for companies that are looking for tutors, or you could start a tutoring service on your own.

eBay

This is one of my favorite ways to make extra money. I’ve been selling things on eBay for nine years. It is free to sign up for. You can sell almost anything on the website. There are people (including myself) making hundreds of bucks per month from selling stuff on eBay.

Related Post: 10 Posts That Will Help Your eBay Business

Washing Cars

The next way to make money is to wash people’s cars. Everyone doesn’t like to wash their car, so you should be able to always find some clients. Check around your neighborhood or advertise your service online.

Craigslist

Raise your hand if you’ve heard of Craigslist. I’m sure that 95% of you raised your hands. You can sell things on Craigslist, and you can also find odd jobs. The opportunities vary depending on the city that you live in. If you are interested in selling stuff on craigslist, make sure that you stay safe.

Related Post: How to Sell Something on Craigslist Safely

OfferUp

If you are looking for another way to sell unwanted items, you can list them on OfferUp. OfferUp is a phone app where you can sell things to different people. It’s very similar to Craigslist. The unique thing about OfferUp is that you can only list the items from the app.

Computer Repair

If you are good at diagnosing problems with computers, you should consider fixing them. Computers crash from time to time. They could have too much data on the hard drive, or they could get a virus. If you know how to restore the data, you could make a good amount of extra money.

Mechanic

I’ll be the first to say that I don’t know much about cars. When something goes wrong with it, I contact my mechanic instead of taking it to the shop. My mechanic is much cheaper than the auto shop and he gets the job done. He’s fixed several issues with my cars over the years. He’s also fixed several of my friend’s vehicles as well. If you know how to fix cars, you should seriously consider this side hustle. If you are good at it, you will always have a steady stream of customers.



Lyft or Uber

While I’m talking about vehicles, the next way to make extra money is to drive for Lyft or Uber. You create your own schedule. If you want to work only on the weekends, you can do just that. You also can get paid each week too.

Related Post: The Life of an Uber Driver

Movie Extra

Have you considered acting? If you live in a city like New York, Atlanta, or Los Angeles, you should look into becoming a movie extra. They are always filming something in those cities, so there is always an opportunity to apply for work as an extra.

Substitute Teacher

If you work an early evening job and want to make some extra money during the day, you should consider becoming a substitute teacher. Depending on where you live, there may be a shortage of substitute teachers. That means that it will be easier for you to get on. If you have a bachelor’s degree, you can apply.

Mystery Shopping

Do you mind shopping and performing small tasks in stores or restaurants? If so, mystery shopping is for you. There are several companies out there for you to sign up with. With mystery shopping, you usually have to make a purchase and rate a store or the customer service. It’s pretty simple.

Sell on Etsy

If you make your own arts, crafts or jewelry, you can sell things on Etsy. Millions of people sell on Etsy every year. If you have good products to sell, Etsy may be the platform for you.

Wedding Coordinator

Do you enjoy making sure people’s weddings go as planned? Do you have an eye for setting up events? If the answer to those questions is yes, then you can consider becoming a wedding coordinator. Wedding coordinators do tasks such as helping pick out the wedding venue, going over the guest list and more.

Create an Online Course

If you’re an expert at something and you feel like you can teach it, you can create an online course. There are many platforms out there for you to use. I recently created my first online course on one of my side hustles. It’s titled The Beginners eBay Course. Check it out here for more details.

Sell an eBook

You may not want to create an online course. That’s fine. You can write an eBook instead. EBook’s can make a lot of money depending on the subject. They aren’t difficult to create.

Massage Therapist

The next way to make extra money this month is to provide massage therapy. If you have your massage therapist license, but have another job, you can do massage therapy on the weekends. Everyone is not able to get to the masseuse during the week, so this could be a good side hustle for you.

Babysitter

If you like watching kids, you can babysit. People need sitters when they go out from time to time whether it’s during a weeknight or on the weekend. Start by asking your friends and family that have kids if they need your services.

Referee

Do you like sports? Can you make sure that athletes follow the rules? If so, consider becoming a referee. There is at least one sport going on all year. Hypothetically speaking, you could referee football, basketball, volleyball, and baseball in a calendar year. I have a couple of friends who have refereed for a few years now. It’s some nice extra income for them. You can get paid between $35 – $50 per game.

Amazon Mechanical Turk

Amazon Mechanical Turk is another website where you can do online surveys. I used to do surveys on this site a few years ago. You can make an extra $20 – $30 per month if you do this 5-6 days per week.

Sell T-Shirts

I enjoy creating t-shirts and selling them online. If you’re creative, you should try doing it too. I use two sites to make and sell the shirts. They are Sunfrog and Teespring. Both sites are free to sign up for. At the current moment, I’ve had the most success with Teespring. Check out this post I wrote on how to sell shirts with them.



Affiliate Links

If you have a website or a large following on social media, you should consider posting affiliate links occasionally. With affiliate links, you promote a product or a service. If someone clicks on the link, you get a percentage of the sale. People are making a killing with affiliates. Pat Flynn and Michelle Schroeder-Gardner are two people that are doing very well.

Make and Sell Coffee Mugs

Selling coffee mugs can be a unique way to make extra money. If you have a funny saying or design, try putting it on a coffee mug. You can use a site like Zazzle to get started with that.

Fiverr

Fiverr is a website for freelancers. People can post jobs or services on there. For example, if you are good at graphic design, you could post an ad saying that you will create someone’s logo. There are several categories that you can list your service under. Check out Fiverr here.

Donate Plasma

You can donate plasma a couple of times per month. As long as you’re healthy, and can pass the screening process, you should consider doing this. You can make a couple hundred bucks per month.

Pawn items

If you have something of value, you could take it to the pawn shop. A few years ago, I pawned some jewelry because I needed some money bad. I walked out of the pawn shop with cash ten minutes later. Besides jewelry, you can also pawn things like laptops, TV’s, gaming consoles, stereos and musical instruments.

Freelance Writing

If you like writing, you can make extra money from it. Writing is a skill. Not everyone can do it efficiently. Different companies need freelance writers from time to time. Some pay by the word while others pay by the article. When I first started freelancing, I got paid $30 per article. Since then, I’ve increased my rates. The key to getting freelance gigs is to pitch constantly.

UPS

During the holidays, UPS hires for several seasonal positions. They need additional package sorters and people to help with the drivers.

Virtual Assistant

As a virtual assistant, you can do tasks for different clients. You can edit documents for the client, schedule social media and more. You can do tasks wherever there is a computer and internet access.

Delivery Driver

This is another one of the things on the list that I’ve done. Several restaurants need help with deliveries, especially during peak times. If you live in a safe area and you don’t have a problem delivering food, then this opportunity is for you. At most restaurants, as a delivery driver, you get a paycheck and tips. You can’t beat that.

Photographer

People need photographers from time to time. If you have a camera and can take decent pictures, you could able to make a little money do so. You can start off doing headshots for people and expand from there.

Club Promoter

If you’re popular and you enjoy the nightlife, you could consider becoming a club promoter. Some clubs have a hard time getting a crowd, so they hire promoters to help them. If you can get people to come out consistently, you will have a pretty good side gig. If you think you’re up for the challenge check with some local clubs or browse the gigs section on Craigslist.

Amazon Flex

Amazon Flex is a program that allows drivers to deliver packages to people. If you have a reliable car and a cell phone, you can apply for the program. Check the website to make sure that the Amazon Flex program is available in your city. If it is, apply as soon as possible.

Focus Groups

Focus groups are another way that you can make extra money this month. There are different companies that you can sign up with to find opportunities. Sometimes you can get over $100 for an hour of your time.

Start a Blog

Making money with a blog isn’t easy, but if you stay with it, the growth can be exponential. You can start a blog in less than an hour. If you have a plan in place and post consistently, you get to the point where you’re making money from it. Here is a post I wrote on starting a blog with Bluehost. Bluehost is the hosting company that I use for my blog. They are currently starting their hosting at $2.95. It’s regularly $7.99. That’s a steal.

Graphic Designer

Can you make great looking graphics? Have you designed flyers for people before in the past? If you are a graphic designer, then you have a skill that a lot of us don’t have. Good graphic designers are hard to find.

Music DJ

DJ’s can make or break any party. I’ve been to some events where the DJ was great. I’ve also been to events where people booed the DJ. If you know how to rock a party, you will do very good. There is a chance that you can turn this into a full-time gig.

Web Design

The final way that you can make extra money this month is to do some web design work. Many people want to create a website, but they don’t know where to start. If you know to create websites, you should promote your services as soon as you get the chance. There is a huge market for web designers out there. Start marketing yourself and soon you’ll have your first client.

What have you done to make extra money before?

40+ Ways to Make Extra Money This Month

Money, Side Hustles , , , ,

10 Job Interview Questions You Should Be Ready To Answer

job-interview-questions-1There are a lot of people looking for work and preparing for job interviews. You have to make yourself stand out from the crowd. I have created a list of 10 questions that you should be ready to answer if you are asked at a job interview.

What are your strengths?

Make sure you can explain at least 2-3 strengths to the interviewer. If you don’t know your strengths, how can you expect to get a job? Take time to think about the answer before the interview.

What are your weaknesses?

This has always been a very tricky question for me. You don’t want to sound cocky or arrogant by saying you have none. You also don’t want to keep it too real by saying that you get bored easily if there is nothing to do. Take some time to think thoroughly about this answer.

What is your dream job?

Tell the interviewer the truth especially if you want to move up within the company. Some people ask this question just to see where your mind frame is at.

Why did you leave your last job?

Do not tell the interviewer that it sucked. That’s one of the quickest ways for you to not get the job.  Being honest with him/her can go a long way.

 

Give a time when you went above and beyond for a customer.

This is a question that I have had in numerous interviews.  You want to make sure that the situation is really one where you went above and beyond and helped.

What do you know about the company?

Research the company. I have had this question in 99% of the interviews that I have had. Check the company’s website out a few days before the interview so that you can learn a few things. There is nothing worse than freezing up when the interviewer asks you that question. Unfortunately, I have been in that situation. It’s not a good experience.

Why do you think you would be a good fit at their company?

A lot of people use the cliche answers such as “I’m a hard worker” or “You guys seem to have a lot of diversity.” Those are decent but try to dig a little deeper. Give them a real reason why you would be a good fit.

What are your hobbies?

Everybody has hobbies. Some are good while others may not be. Only tell them the good ones 🙂 .

Where do you see yourself in 5 years?

If you see yourself having your own company and traveling (even if it’s true), don’t tell them that. They will not call you back for a second interview. A lot of businesses want employees that they think will stick around for the long haul. Even if you know you’re not going to be there in 5 years; you don’t have to let them know that.

Do you have any questions for me?

This is another question that I have heard pretty much at all my interviews. It is always good to ask the interview a couple of questions. If they haven’t answered it, I usually ask them how long they’ve been with the company or what is the best thing that they like about the job.

Hopefully, these ten questions can prepare you for your next job interview.

Do you know of any other job interview questions that they may ask you?

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5 Seasonal Jobs For the Holidays

Seasonal Jobs For the HolidaysWhat’s going on people? September is halfway finished.  Before we know it, it will be time for the holidays. I love the holidays. It’s usually a time when you get to spend time with your friends and family. This is also a time where people can find seasonal jobs for the holidays to help them make extra money. In the past, I’ve worked seasonal positions. For me, it was easy money. One year I worked at a store called “Things Remembered, ” and another year, I worked with the United States Postal Service. Many companies are looking for people to help them out during this busy shopping season. If you need some extra money, these five types of businesses should be a great place to start looking.

Many companies are looking for people to help them out during this busy shopping season. If you need some extra money, these five types of businesses should be a great place to start looking.

The Mall

The first place on the list is the Mall. They always hire additional people during the holiday season. Most malls have at least twenty stores in them. You should visit one and browse the stores. Write a list of the ones that you are interested in working at. Then, check to see if they are hiring. It best to do this before the middle of October.

UPS/Fed Ex

People ship a lot of packages during the holiday season. The volumes increase so much that companies like UPS or Fed Ex bring on workers. They bring on people to help sort packages and driver helpers. I’ve had friends that worked for UPS during the Christmas season. They told me the job was pretty easy. They only worked 4-5 hours per day and got paid weekly.

Outlet Stores

The next place on the list is outlet Stores. Outlet Stores are similar to malls. They get increased traffic during this time of the year as well. Most of the stores have several positions open up during this time of the year. If there are some outlet stores near you, check them out. Tanger is one brand of outlet stores that you can check out.

Department Stores

Walmart, Kohl’s and Target are examples of department stores that are hiring during the holiday season. A lot of these stores get a lot of traffic during the year anyway. During the holiday season, it increases even more. Department stores also expand their hours. For example, if a store closes at 9 PM, it may stay open until 11 PM.

Honey Baked Ham

Honey Baked Ham is the final business on the list. There are a lot of dinner parties during the holiday season. Not everyone likes to cook food for the parties, so they get the food from a store like Honey Baked Ham. Because it gets so busy, Honey Baked Ham hires people to help out. It would probably be a good job, and I’m sure that you get samples from time to time.

There are plenty of places where you can find seasonal jobs during the holidays. You should check out the five above if you are looking. Just remember that with seasonal jobs, you may be working on Thanksgiving, the day after Thanksgiving and Christmas Eve. If you are not prepared to do that, you should not apply.

Have you ever worked seasonal jobs for the holidays before? What other places hire during the holiday?

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7 More Things College Freshmen Should Have in Their Dorm Room

7 More Things College Freshmen Should Have in Their Dorm Room

This post may contain affiliate links. We may receive a commission on purchases made through links at no extra cost to you. Thank you so much for supporting this site. Read the full disclosure here.

After the success of my post titled “10 Things Every College Freshman Should Have in Their Dorm“, I’ve decided to do a follow-up post. There are a lot more things that students should have in their dorms. Below are seven more items that college freshmen should bring with them to their dorm room.

Bed Sheets

The first item on the list is bed sheets. Your school doesn’t provide you sheets. Even if they did, I’m not sure I’d use the. You will need to bring sheets with you. Make sure that you have four sets that you can rotate with.

Hangers

Hangers are a must. Hanging up your clothes eliminates space. It also makes ironing certain items easier. Twenty hangers should be a good number to start with.

Shower shoes

Dorm showers are not always the cleanest. If you don’t have a shower in your room, there is a chance that you could be sharing it with everyone else that lives on your floor. Make sure you have showers shoes. Showers can be a breeding ground for bacteria.

Laundry Bag

A laundry bag is another great item to bring with you to college. It can serve as a small dirty clothes hamper. You can also carry more clothes in the bag than you could a pillow case. You don’t want to get the cheapest laundry bag because you want it to last a little while.

Air Freshener

The next item on the list is air freshener. Everyone needs a bottle or two of some fresh air freshener. I don’t know how else to say it, but sometimes people are just nasty and can smell. You also need to have some air freshener so that you can keep your room and bathroom smelling good.

Pillows

Dorms don’t provide pillows.  Make sure you bring a couple of them with you. A good pillow isn’t too expensive. Pillows make your nights rest so much better.

Toiletries

I actually should have listed this on my first list of items. You need to make sure you have your own toiletries. This includes soap, toothpaste, lotion, etc.

Those are seven more items that every college freshman should bring with them to their dorm room.

I have a small hypothetical question for you guys and gals. Imagine that your first day of college is only two days away. You haven’t finished shopping yet. You need to purchase a laptop, an alarm clock, and some pillows. Suppose you have $500 to use to purchase the items.

What would you get for your dorm room?

Don’t forget the total has to be $500 or less.

Let’s use the prices on Amazons back to school section (they have a huge variety of things). I will go first.

I would get the Dell Inspiron laptop, Timex color changing alarm clock and the Dream Supreme Plus Gel pillow set.

Now it’s your turn!!

 


 

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10 Things to Do in Detroit

10 Things to Do in DetroitThis post may contain affiliate links. We may receive a commission on purchases made through links at no extra cost to you. Thank you so much for supporting this site. Read the full disclosure here.

In July, I had a chance to take a trip to Detroit, Michigan. I have family up there that I had not seen in over ten years. Also, there were some things that I wanted to do in the city as well. I figured that July would be a good time to visit the city. I didn’t have any expectations before my trip. Detroit was great. After one trip, I’d put Detroit as a top 10 destination in the United States. Today, I want to share with you ten things to do in Detroit.

Motown Museum

The Temptations, The Jackson 5, Stevie Wonder and more all got their start with the Motown record label. I’ve been a fan of the Motown sound since I was a kid. Several people in my family had records and tapes of Motown artists. The Motown Museum is a must visit if you’re in Detroit. It was one of the best experiences of my life.  I had the chance to see where some of the greatest artists of all recorded and did business at. What was great about the museum was that some of the rooms hadn’t been changed since the 70’s. Barry Gordy’s apartment still looked like it did over 40 years ago.  The calendar in one of the offices was still on the March 1973 date! It’s amazing how they kept things preserved in the museum.

Comerica Park

If you are a baseball fan, you can’t come to Detroit without seeing the Tigers play at Comerica Park. Whenever I go to a new city in the spring or summer, I try to get a baseball game in. Comerica Park was done right. It’s a newer park, but it has that retro feeling to it. I’ve been to 16 ballparks so far, and this one is in my top 5. If you like football, the home of the Detroit Lions (Ford Field), is across the street.

MGM Grand Detroit Casino

If you like to gamble, you have to check out the MGM Detroit Grand. I heard that Detroit has a few casinos, but I didn’t know that the MGM would be one of them. This casino had me feeling like I was in Las Vegas. The MGM Grand had a lot of machines to play and a couple of bars & restaurants to choose from.

Eastern Market

The next thing to do in Detroit is to check out Eastern Market. It is an open air market that has over 150 food and business vendors. My cousin took my girlfriend and me out there on a Saturday morning. It was a good crowd out there. People were all over the place. People were selling all types of things out there. We visited a few vendors and checked out the Detroit versus Everybody store and even found a place that let us sample some Detroit gin and whiskey.

Greektown

The Greektown area is next on the list. It’s an entertainment district that is located in downtown Detroit. Greektown has several bars and restaurants to choose from including Pizza Papalis and Fishbones (where we ate at). The Greektown Casino-Hotel is also located in the district.



The Riverfront

The Riverfront is good for getting a quick run or walk in. You can take some beautiful pictures of the view as well. Directly across the river is Canada. Something else that I liked about the Riverfront was that the Gateway to Freedom International Underground Railroad Memorial is located there. The memorial pays tributes to African Americans who fought for freedom during a time where everyone didn’t have it.

Detroit Institute of Arts

If you are a fan of the arts, you must visit the Detroit Institute of Arts. It’s one of the largest art museums in the country. There are over 100 galleries in there. The art collection is valued in the billions.

Charles H. Wright Museum of African American History

We didn’t get a chance to visit the museum, but it’s on the list for next time. The museum was founded in 1965. It has over 35,000 artifacts in it. It holds the world’s largest exhibit on African American culture. It’s a must see if you want to learn more about black history.

Green Dot Stables

This spot was near our hotel, so we decided to eat there, twice. Green Dot Stables is a restaurant that specializes in sliders. The sliders cost $3. They had several kinds to choose from. My favorites were the Fried Chicken Caesar Slider and the Coney Dog Slider. They also had fries, soups, salads, desserts, and drinks. If you are looking for good food for a great price, you should check out Green Dot Stables.

Johnny Noodle King

We passed this spot in the Uber a couple of times and decided to check it out the last night that we were in Detroit. It was a great decision. This was my first time going to a ramen spot. I can’t remember what I ordered, but it was good and spicy. For more info about Johnny Noodle King, visit their website here.

Bonus: Windsor Canada

Canada is literally across the river from Detroit. I couldn’t go to Detroit and not visit Canada for a few hours. There are two ways to get to Canada from Detroit. You can go via the underground tunnel, or you could take the bridge. We took the tunnel going and took the bridge on the way back. Windsor is the city that you will arrive at once you cross the border. Windsor was a lot quieter than Detroit was. The only thing that we did was go to the Caesars Windsor Casino. The casino was a lot more chill than Greektown and MGM Grand. I played a couple of slot machines and won $70! I’ll call that a successful trip. If you have some spare time while in Detroit, Windsor may be a good place to visit for a couple of hours.

Have you ever been to Detroit? What are some of your favorite things to do in Detroit?

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Getting an Item Removed From Your Credit Report

Getting an Item Removed From Your Credit Report

Hello, everyone. Can you believe that it’s already September? I’ve discussed credit on this site a few times. A good credit score is something that we should all strive for. In previous articles, I’ve discussed the average credit scores and ways to boost it. Ever since I raised my credit score by 168 points in an eight-month timeframe, I’ve been focused on trying to get it even higher.

I looked over my credit report and realized that I had late payments on three accounts. They were from 2010 – 2013. I didn’t want to wait the full seven years for them to fall off my credit report, so I decided to do some research and see what I could find to help with that. I stumbled across something called a goodwill letter. At the time I had never heard of it before, but I was intrigued.

What is a goodwill letter?

A goodwill letter or goodwill credit adjustment is a way to repair your credit report. According to twocents.com, the purpose of the goodwill letter is to restore your credit to good standing by having a lender or servicer erase a lateness on your credit report.

When I read that information, I figured that it was worth a shot. I realized that if I could get those late payments removed my credit score would increase even more. I did some more research and found out that goodwill letters had a 50/50 chance of working. It seems that some people were flat out lucky because their letter got into the right hands. I saw that people went into detail about what their circumstances were and what they are now. They usually discuss how they’ve grown from their past mistakes and are better and more responsible people.

I drafted three separate letters for my three accounts. Then, I went into detail about what was going on in my life at the time and why my payments were late. I then expressed regret and showed them that I’ve been making years of on-time payments.

I also read online that a lot of people have been having success by emailing the letters to the CEO’s or presidents of the lender companies. Since many people were doing that, I figured that I’d try it as well. If that didn’t work, I’d send a physical letter. I emailed the three companies on a Sunday afternoon. By Monday morning, one of them had contacted me. They called my phone and left a message. I thought that was a good sign. After a day or two of playing phone tag, I was finally able to get in contact with a representative. She stated they reviewed my inquiry, but that they were not able to give me a goodwill credit adjustment at this time.

I wasn’t worried. I knew there was a 50/50 chance so I will try again in 6 months. As for the other two companies, I haven’t heard anything back from them yet. I plan on sending actual letters to them this time. Hopefully, that works. If it doesn’t, I’ll try again. Some of the people that get those goodwill adjustments have been persistent. They’ve contacted their lenders multiple times each year until they found the representative that would approve their adjustment. I’m about to join that club. Once that happens, I will be sure to share my results with y’all.

Have you ever had an item removed from your credit report? 



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Getting Your Credit Score In Order

 

Getting Your Credit Score In OrderThis post may contain affiliate links. We may receive a commission on purchases made through links at no extra cost to you. Thank you so much for supporting this site. Read the full disclosure here.

What do you think of when you hear the word credit score? Some people have good thoughts, while others try not to even think about it.  According to Investopedia.com a credit score is a numeric expression of a person’s creditworthiness that is used by lenders to access the likelihood that a person will repay his or her debts. A credit score is a number that is between 300 – 850.  The higher your score, the better the opportunity is for you to get a credit card or loan with good interest rates.

Your credit score consists of five categories. They are your payment history, the length of credit history, amounts owed, types of credit used and new credit.

I check my credit score at least once a month. Ever since it increased by 168 points in 9 months, I’ve been addicted. I like to know where I stand and what I need to work on. If you don’t have the best credit score, there are a few things that you can do to increase it.

Free Copies

You can request 3 FREE copies of your credit report. The three major credit bureaus are Transunion, Experian, and Equifax. Each credit bureau will allow you to get your free credit report once a year. It’s important to get your report from more than one company because there could be discrepancies on there. Take the time to review each report. If you see any inaccuracies, contact the credit company immediately.

Make On-time Payments

Make sure that you are making on-time payments for all of yours bills. 35% percent of your credit score is your payment history. That’s more than a third of it. If you pay your bills late each month, you have to change that. Besides the effect on your credit score, paying your bills late will cause you to have late fees. Late fees can be anywhere from $20 – $50. Imagine having to pay that one several types of accounts. Pay attention to your due dates and pay your bills online.

Pay Your Credit Card In-Full Each Month

Another thing that will help you when you are getting your credit score in order is to pay your credit card in full each month. I’m not going to lie. For some people, this one will not be easy. Some people tend to use their credit card for all their shopping and only make the minimum payment each month. If you want your score to get higher, you have to develop a little bit of discipline and watch your credit card usage. If you have a high credit card balance, you should do whatever you have to to pay it down. Once it’s at zero, use it wisely and pay it in full each month.

Credit Sesame

I also use a website called Credit Sesame. It provides you a credit score and so much more. It differs from Experian, Transunion, and Equifax in the fact that it provides recommendations. For example, it shows you credit cards that you could qualify that has a low APR. It also shows you an overview of your total debt. It allows you to see everything in one place. For more info, sign up here. (It’s free.)

If you are working on getting your credit score in order, I want you to know that you can make it happen. I’m living proof. My credit score was flat out bad at the beginning of 2015. I was able to get it better. Make sure that you use a website that says you can get your credit report for free. There are others out there, but some will try to charge you money to see your score. Don’t be a victim and pay for something that you can get for free!

What are some ways that you are working on getting your credit score in order?


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