So college is here and whether you are a parent of a bright young student heading into their first year at college, or YOU are the bright young student heading into that first year, you will surely want to consider some of these hidden costs of college while you budget your way through your first year.

When I went to college, first of all it was cheaper to attend the university that I went to, however some of the costs that you never expected did in fact add up faster than I expected and unfortunately, this led me into my first pile of debt that I certainly wasn’t expecting to get out of going to college.

Keep in mind that college costs vary drastically depending on what college you are attending, whether you are staying on campus and ultimately what kind of lifestyle you are looking to live while you are hitting the books.

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Wow, I can’t believe it’s already 2020!   The time has flown this past year.  It’s that time of year to reboot your life and that means we should start thinking about your goals for the upcoming year.

Did you know that 25% of the people who start setting goals this first week of January, will completely give up on those goals by next week?   It’s true.   Don’t be a statistic!    In fact only 8% of people will actually achieve their goals for 2020.   So you may be thinking, that’s horrible odds of being successful.   It’s true, but I know you can do it!   Keep in mind that people who make explicit goals are 10 times more likely to be successful than those are don’t.   I’m also the kind of person that says “Shoot for the moon, even if you miss you will be among the stars”.

Great achievements started with that first step.  So take that first step today by writing down some goals for the year.   I will help you along and give you some ideas.

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You no longer need to join a school or university to teach.   In fact, thousands of people are teaching right out of the comfort of their home and getting paid, some in their pajamas too!

How in the world are they doing this?   Well you stumbled upon the right place if this is of any interest to you because I am about to show you how it’s done.

You may think that working remotely in your pajamas sounds appealing, but think about the idea that if you found remote work, you literally are not tied down to a particular location anymore.  You could travel around the world and still be able to teach remotely and get paid.   All you need is an internet connection and a computer.  Pretty neat huh?

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Have you decided not to go on a vacation this year because you are either saving your money or you just can’t afford it?   Well you might still be able to travel this year without spending a fortune or maybe even get paid to do it.   How does that sound?   It’s for real!  Let me explain more…

There are a number of ways that you can go about this, from volunteering, teaching, working or by organizing a group of travelers, just a little effort can go a long way to getting yourself traveling abroad without breaking the bank.

There are organizations around the world that are looking for you to come to them and help their organization out.   In return, they will provide accommodations, food and sometimes even travel expenses.   Here are a few examples:

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Do you have a decent camera at home?   Do you love to roam around taking photos of this world?   Are you for ever looking for that perfect shot?   Are you addicted to taking awesome shots with your camera?   Well this side gig might be perfect for you!

This is your chance to cash in on a potentially lucrative business where photographers are selling their photos that they are snapping, online.   

If you don’t believe me on how much money you can make from selling your photos online, just read this article about how Evgeny made $1602.50 in just a few weeks via 500px which I feature below.

To make a long article short, he points out the fastest selling type of photo is of people, specifically photos of people doing things together.

I am going to review 44 sites that you can sign up today and start earning cold hard cash with those digital photos that are just sitting dormant on your hard drive.

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With being a parent, I feel great responsibility to teach and ensure that my kids don’t make some of the same mistakes that I made when I was young.    I will admit, I was a pretty good kid growing up, but you can’t get everything right.    My mom was a banker and my dad was in insurance, so with hearing about finances and risk growing up you would think my finances would have been in order by age 20 right?  Not quite!

It took years to really learn and appreciate the world of finance with both the pain and great success that it can deal out to you.  I have a 16 year old son and a 12 and 9 year old girls.  They are my world and I want the best for them.   My son is starting to get to the age to where I feel compelled to begin the process of shaping him for the real world.  I mean he is driving and he recently got his first job. He has to understand some things about the real world.

In steps super finance obsessed parent (me) with a plan.   So it’s really simple and the earlier that you start this in life, the more you will achieve with this easy method to build wealth.   It’s not rocket science, but it amazes me how many people just don’t learn more about this until it’s too late.

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If you have heard of airbnb, just think airbnb but instead of renting your home, your actually renting your car. For one day, two days, a week or even more and people will pay you money for sharing your vehicle with them.

The average car in America sits around 90% + of the time and the rest of the time it’s sitting your driveway or parking deck.

Why not put this idle time to work for you and help either pay down your car loan or if you have a paid off car use the money for retirement or other investments.

The average Turo host is getting paid $500 a month for letting others use their car when you don’t need the car.

What is Turo?

Turo is the world’s largest car sharing marketplace, giving people around the world arguably better options to skip the rental counter and go direct to car owners who are looking to lend out their ride to you.

Did you know there is around 1.5 billion cars in the world? That is a lot of resources that for the most part are just sitting around.

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1. Become A Virtual Assistant At Home

If you want to earn some extra money while sitting in your pajamas, this may be for you.

There are people and companies around the world who need your help assisting them in their businesses part time and are willing to pay for you to help from the comfort of your home.

They call this side hustle being a virtual assistant or VA for short. There are legitimate virtual assistant companies that you can sign up to be a part of or if you like the freelance life, there are also a few more options to participate in.

Freelance Sites

  • UpWork – UpWork is a freelance site that you can offer your services up on and build a following based on delivering quality work.  
  • Freelancer – Freelancer is similar to UpWork,  connecting thousands and thousands of people who need something done with independent people like yourself who can help get things done.
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Here is a side hustle where you can not only get paid for it, it can also put a roof over your head for a period of time for free! People from around the world are looking for a trusting person like yourself to come over to their home and keep an eye on things while they are away.

Why is this a thing? Well the answer is a variety of reasons. A lot of times people are traveling for business or just pure vacation and they need someone to provide company for their dog or cat while they are away. Others need someone living in their home to make sure things stay on the up and up through the winter seasons. Perhaps gardening is huge for another traveler who doesn’t want the weeds to take over while they trek the globe.

None the less, all these reasons allow a great opportunity for you to move on into their humble or luxury abode and take in the sights of their local community, town or city for free.

Now, a lot of these opportunities exist in the United States and they are even happening in areas near you if you happen to be in the United States. However, if you are up for a worldly adventure there are house sitting gigs around the globe as well.

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There are times in life where you are forced to get really serious about cutting your budget.  That time was a few years back for me when my company at the time unexpectedly went belly up.   A global firm in 24 countries that I invested many years in went bankrupt in a very short time span, which left every one of us with a week notice and no job.

At the time,  I was in disbelief.    I couldn’t believe this was happening.  I felt a range of emotions about it, knowing that I had 3 young children at home that needed me to have a job and I didn’t have one any longer.    I had a mortgage to pay for and a car payment, plus there needed to be food put on the table.

Now thankfully I started my first day at another company within a fairly short period of time so it could have been much worst, but at the time I thought the world was caving in on me.    I had to make a decision right there and then to either get back up and dust myself off or let life take me down the drain.

So we got real serious about cutting our budget immediately…  Here are some ideas to drastically cut your budget and get serious about becoming financial free.

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