10 Side Hustles Anyone Can Start Right Now

10 side hustlesI’ve always been a huge proponent of the side hustle. That’s why today I found 10 side hustles I think you’re going to love and all you can begin right away.

If you’re not particularly a fan of being chained to a desk and/or clocking in and out somewhere, it’s a way to begin plotting your escape. On the other hand, if you do like your job, it’s a way to supplement your family’s income.

Either way, side hustles are a win-win!

Here are 10 side hustles I’ve found to be particularly interesting. They can all be started today and get you on a path to earning more money! I’ve also included some of my affiliate links to help you get started right away.

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You’re Killing Your Wealth: 8 Simple Truths Sabotaging Your Finances

You’re killing your wealth. Got it?

Wait. Let me back up.

killing your wealth I wanted to write this post as a list of the top 5 to 10 things you need to do to become wealthy. Then, I realized that writing something like that isn’t going to help anyone. Sure, it’s nice to think about building wealth and day dreaming about how that might look.

But, in reality, most of us aren’t even close to that reality. It’s a pipe dream.

We want to blame the government or our upbringing. Maybe we blame our boss for making us slave away at a job when we rather be building a business. Or, hell, maybe it’s just the fact that we now have a ton of responsibility in terms of mortgages, student loans, credit card debt, and raising a family.

Regardless of what you want the reason to be, you are the reason you’re killing your wealth. There, I said it. You are killing your wealth.

Rather than bore you with some long introduction, I’m just going to be frank with you. For whatever reason, I’m in that type of mood as I write this.

So, here it goes.

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What We Can Learn From People with Bad Credit

Do you know people with bad credit? Do you happen to have bad credit yourself?

people with bad creditWe often discuss here the concept of mindset.  Run The Money was founded with the idea that it takes the same degree of discipline, mental toughness, and personal growth to succeed in both personal finance and living a healthy life.

I once saw a blog post or comment (can’t recall the source) that equated being in debt with being overweight.  You’re in the hole with your money and you’re in the hole with your weight.

Well, if that’s the case, then think of your FICO score as your financial weight.  Instead in this case, the higher the better!

In a recent U.S. News and World Report survey of 1,500 people with credit scores under 640, 35% of the respondents said they don’t do research before applying for a new card. While this might not be earth-shattering news, it does give a glimpse into the mindset of people with bad credit.

Rather than look for credit cards that charge lesser interest rates or have better terms, they don’t do anything. Then again, it’s not like those who do any research are hitting it out of the park. U.S. News also found that 60% of people spend “less than an hour researching fees, interest rates and terms and conditions when applying for a new credit card.”

WTF? Seriously? No wonder they have bad credit, right?

The survey findings give us a chance to delve into the mindset of these individuals. Bad credit comes from bad habits. So, I think it’s important to explore this and see what it can teach.

There’s always hope I believe. But, it comes at a price. That price is education, failure, correcting course, and putting in the hard (but very necessary) WORK.

Let’s explore this more deeply. Shall we?

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Back-to-School Buying Guide: Top 5 Items to Save Money on This Year

Back-to-School Buying Guide

The summer always seems to go by so fast these days. Once the middle of July rolls around, you’re probably already seeing the “back-to-school” sales being advertised. As a kid, we all hated this of course. But, as parents today, it’s essential to know what’s on sale and that’s why I put together this Back-to-School Buying Guide (with our affiliate links).

I compiled a list of the top 5 items on your back to school list that should be purchased one time. That’s it. Buy it once and these items should last. Well, within reason of course.

According to the National Retail Foundation, families with elementary to high school kids will spend an average of $687 in back to school purchase. Yes, that’s right — $687! That’s insane.

While it may not work for every item (I get it, pencils break and kids grow out of shoes), you need to be on the lookout for simple ways to save. And, if it requires a bit of investment now to save money later, do it if you can afford it!

I included links to products from Amazon, Target, and Jet below for your convenience. See which products work for you and let me know how you make out! I want to hear how much you’re saving and what your kids enjoyed.

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31 Life Hacks to Save Money Quickly

How would you like to save $1,000 fast?  We are all looking for ways to save more money to fund family trips, our own retirement one day, and the kids’ college fund. That’s why today I’m sharing some life hacks to save money quickly. These are things we all can do to bring in extra money or stop spending money in certain areas.

life hacks to save money quicklyBefore we dive in, tell me if this sounds anything like you. You’re constantly trying to pay the bills and have just enough to cover the necessities each month.

Your monthly visitor, the credit card bill, loves dropping by or sending you emails to remind you how long you will be BFFs.   Student loans continue to be an albatross around your neck and there really is no end in sight.

Sure, you want to save money and put your family in a better financial position, but every time you get a little momentum, SOMETHING ELSE goes wrong. And it’s … here we go again!

I get it. I know it sucks and I’ve been there countless times.  Heck, Anna and I still run into problems and struggle with our budget.  I’m right there with you and I’m by no means perfect.

That said, I have learned a thing or two about saving, budgeting, and making money. So, let me share some of those ideas, tips, techniques, and methods with you.  This is not an exhaustive list, so if you want to chime in please do so in the comments.

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The Time I Blew My Grocery Budget, and What I Did About It

Hello, Run The Money fans.  I have a very interesting guest post from Lauren Rilling this week.  She blew my grocery budgethas such amazing insight that I asked her back two weeks in a row!  Lauren discusses “that time I blew my grocery budget” as she was trying to eat healthier to decrease inflammation in her body. I could’ve pushed this post until next month, but it has such great information and advice that I really wanted to get it to you right away.

Lauren is a personal finance blogger herself and a Dave Ramsey-trained coach.  You can check out my interview with her and visit her blog at SaveGiveandSpend.comTake it away, Lauren!

(This article contains affiliate links).

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How I Blew My Grocery Budget

Last month, I realized that my diet needed a serious overhaul. Not just an eat-less-junk-food health kick, mind you, but a total change to my approach to food.

I’m only 30 years old was diagnosed with osteoarthritis in my knees two years ago. It prevents me from doing a lot of what I enjoy and significantly limits my workout options (not that I make a ton of consistent effort in the exercise department… just being real with you guys). But anyway, arthritis? At age 30? Are you KIDDING?! (Spoiler alert: the new diet has already helped a lot!)

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Best Deals for Amazon Prime Day

It’s that time of year again!  It’s Amazon Prime Day!  And I want to share my affiliate links with you for the best deals for Amazon Prime Day.

best deals for amazon prime dayNow, I know the official start time for Prime Day is Monday, July 10 at 9 pm Eastern, but you’re missing out on some great deals right now.  And you have been since late June, early July.  But, hey, I’m here to help you catch up.

Oh, and Prime Day ends on Wednesday, July 12 at 3 am Eastern.  So, it’s like 30 hours of deals!

As a Prime member myself, my wife and I easily justify the $99 per year to remain members.  The FREE 2-day shipping alone sold us mainly because we used to send holiday and birthday gifts to family from out of town.

However, just this past weekend with Prime Day coming up, we decided to give Amazon Fresh a try.  We actually got a week’s worth of groceries for our little family for under $70.

They’re doing a 30-day trial for Amazon Fresh, so we figured let’s give it a shot.  That said, for an extra $15 per month, it more than covers the gas to get to the grocery store each week.

Anyway, you came here for the deals, so let’s get to it.  Oh, and if you’re not a Prime member, sign up for Amazon Prime now!

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Can Parents Put Children into Debt? 5 Scenarios You Need to Know

Hey there, Run The Money fans! Today, we have interesting guest post from Barbara Delinsky on the topic of how parents put children into debt. I hope I’m not guilty of any of these with my son!

parents put children into debtBarbara has expertise in personal finance and she loves to share her thoughts with her readers. She’s also written for many blogs. When not writing, she spends most of her time exploring new places, people and their culture. You can get in touch with her on Twitter @DelinskyBarbara.

Now, take it away, Barbara!

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How Parents put Children into Debt

Can parents put children into debt?

Yes, they can. More shocking is sometimes the parents put children into debt knowingly.

It might be they have no other way out than doing so and sometimes they do it with the intention of helping their children.

Here are 5 scenarios about how parents put their children into debt.

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Money is a Tool: How This Dave Ramsey Coach Teaches Others to be Financial Stewards

Money is a tool.

money is a toolHave you ever heard that phrase before? We seem to think of it as a means to an end. A destination. Or something to just accumulate a ton of and horde until the day we die.

But, no, that’s not a health view of money at all. Money is a tool — a means of exchanging value for value.

Realizing this can do wonders for your financial health. With that in mind, I asked Lauren Rilling of Save, Give & Spend to discuss her views on money. As a Dave Ramsey-trained financial coach and personal finance blogger, Lauren has seen it all.

I believe her personal and professional insights can really help us wrap our heads around the “money is a tool” concept. After all, we’re all here to learn from each other become better stewards of the money we have.

Now, here’s Lauren to enlighten us further on how money is a tool.

Related to “money is a tool”:

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15% of NFL Players are Bankrupt 12 Years After Retiring. Are You Being Smart with Money?

Do you have what it takes to be smart with money?

be smart with money with run the moneyI know that the statistic in the title is shocking. But, that doesn’t make it any less true. For 15% of all NFL players to go bankrupt 12 years after retiring, we are doing something gravely wrong with our financial literacy.

In conducting research for this article, I learned of that statistic from a study on ScienceDirect called “The Psychology and Neuroscience of Financial Decision Making.”  Yes, it’s a bit nerdy, but the thought of NFL players (who many of us aspired to be growing up) blowing millions of dollars because of a lack of basic financial knowledge is incredibly unnerving.

The thought that comes to my mind is this.  If NFL players — and who knows maybe this is representative of many high paid athletes — can’t manage their retirement while earning millions, what chance is there for the rest of us to reach our coveted FIRE goals?

Well, I’m glad you asked.  The truth is that you don’t need to make millions to retire early and live a great life.  Like anything in life, it’s about doing the small (albeit important) things well.  You know the things that aren’t fun, aren’t sexy, and aren’t what all the cool people are doing.

It’s about the grind and the hustle.  You have to learn, implement, fail and correct course.  Then, you have to repeat about a million times.

What you will probably find is that among the 85% of NFL players who aren’t bankrupt, some are on the brink of losing it all, some are mediocre at best, and some are killing it.  Those that are killing it did something similar to what got them to the NFL in the first place.  They figured out the process.

Yes, the infamous process.  Indulge yourself in enough personal development and business jargon like I have and you hear it often: trust the process.  The Philadelphia 76ers even used it as their motto as they were rebuilding their team between 2014 to 2017.

OK, so what is the process?  Well, I’ll lay it out for you below.

But, I’m warning you: it’s not fun.  And it’s nothing earth shattering.  It’s pretty basic stuff.

How willing are you to commit to this process though?  Sure, it may be basic, but living it is a different story.  Let’s dive in.

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