장점

– 빠르게 돈을 벌어보세요

단점

– 시간이 많이 걸린다

– 부자가 되는 빠른 방법은 아닙니다

– 설문조사당 $0.25에서 $0.75 사이의 수익만 얻으실 수 있습니다

최고의 리소스

와이센스

처음 돈을 벌 수 있다는 말을 듣고 충격을 받았습니다:

• TV 시청
• 파자마를 입고
• 아침을 먹으면서

그것은 나에게 꽤 서사시처럼 들렸습니다. 

어떻게 그렇게 게으르게 돈을 벌 수 있나요?

ySense와 같은 설문조사 웹사이트에 가입(무료) 👇

ySense와 같은 설문조사 플랫폼을 사용하면 단순히 설문조사에 참여하고 돈만 받는 것이 아닙니다.

실제로 다음과 같은 경우에 급여를 받을 수 있습니다:

• 게임하기
• 설문조사 참여
• 제품 리뷰
• 포커스 그룹에 참여
• 의견을 공유하세요
• 디지털 탐색 활동 공유

저는 대학 시절부터 온라인 설문조사 플랫폼으로 돈을 벌기 시작했습니다. 특히 수업도, 공부도, 일도 하지 않았던 시절에는 더욱 그랬습니다. 

이는 추가 현금을 얻을 수 있는 매우 훌륭하고 쉬운 방법이었습니다.

또한 각 설문조사에 응답하는 데는 5~20분 정도 소요될 수 있으므로 이는 TV 시청과 같이 옆에서 뭔가를 하고 있는 경우에만 좋은 선택이라는 점을 언급하고 싶습니다. 

설문조사 중독자와 함께 , (가장 인기 있는 온라인 설문조사 플랫폼 중 하나) 포인트로 지급받으며(일반적으로 1포인트 =1센트) 다음 중 하나를 통해 지급을 요청하여 이 포인트를 현금으로 상환할 수 있습니다.

• 페이팔 
• 기프트 카드

일반적으로 최소가 필요합니다.  귀하의 계좌에 10달러(또는 1,000포인트)를 적립하고 현금을 인출하세요.

설문조사 완료, 비디오 시청, 이메일 읽기 등을 통해 돈을 벌 수 있는 다른 플랫폼도 있습니다. 

대체(무료) 플랫폼에는 다음이 포함됩니다.

• 마이포인트
• 스웨그벅
• Zap 설문조사
• 받은 편지함 달러

여기저기서 몇 달러를 벌고 싶다면 온라인 설문조사에 참여하는 것이 확실히 고려해 볼 만한 훌륭한 돈벌이가 될 것입니다.

11. 신용을 쌓으세요

신용을 쌓는 것이 나중에 많은 돈을 절약할 수 있는 돈벌이라는 사실을 알고 계셨나요?

장점

– 신용도 향상으로 고가 항공권 구매에 대한 이자율이 낮아질 수 있습니다.

단점

– 시간이 걸릴 수 있음

– 결제를 놓치면 더 큰 피해를 입을 수 있습니다

최고의 리소스

본인

Are you a college student with no credit or are you just emerging from a nasty bankruptcy and/or divorce, so your credit took a nosedive? 

Then it’s important to rebuild your credit ASAP.

Credit can help you get access to:

• Car loans
• 신용카드
• Business loans
• Mortgage for a home

If you have a good credit score, typically it’s a lot easier to get access to loans – and good credit also typically gives you a lower interest rate on the loans you plan to take out (which means more money in your pocket). 

So what is good credit, exactly?

Your credit score is commonly determined by what is known as your FICO® Score, and scores generally range from 300 to 850.

Check out the FICO® Scores below:

You’ll want to aim for a minimum credit score of around 670 to 739.

However, building up a good credit score typically takes time, because a large percent of your FICO® Score is based on your payment history.

Take a look at the components making up your FICO® Score, below:

On the bright side, only a very small percent of Americans have a low credit score, with 11.1% of Americans maintaining a FICO® Score below 550.

Good credit scores not only get you access to loans for big-ticket purchases, but good credit scores can also help you save money in the long run. 

Here’s a list of reasons why good credit scores can make a difference:

• Can lower car insurance rates
• You can borrow at lower interest rates
• Increased chance for credit card approval
• Faster approval to rent homes/apartments
• Could avoid security deposits for utility services

Well, if you have no credit or if your credit is poor, I have an app for you.

The best DIY credit builder app, in my opinion, is known as Self 👇

Self, in effect, is a credit builder loan.

작동 방식은 다음과 같습니다:

• You take out a “loan”
• The loan is not immediately deposited into your bank account
• Instead, the loan is held in an FDIC insured CD, in your name
• You make timely payments in full to unlock the loan in the CD

After you’ve made all payments for the loan, the money held in the FDIC insured CD is released to you. 

I like credit builder loans because they can help you:

• Establish a payment history
• Establish your credibility to make timely payments
• Help boost your credit score, as your transactions are reported to the credit bureaus 

The “loan” itself could be for as little as $600 to $1,800 dollars, and you could repay your loan for either $25 to $150 per month.

You could also pay back your loan early.

Every time you make a payment, your transaction is reported to the 3 credit bureaus, so your credit score increases!

12. Meal Prep

One of the ultimate money hacks is preparing, cooking, and freezing your meals the Sunday before your workweek starts.

장점

– Saves you hassle

– Saves you money

단점

– Takes time

– Could be stressful cooking so much food

Did you know that the average American spends about $3,000 per year in just eating out?

You might be thinking that it’s not possible to spend $3,000 on food that’s prepared outside of your home – and that’s where I encourage you to take a look at your budget.

Eating out is expensive. 

In fact, restaurants, on average, markup their food by roughly 300% so they make a profit!

I don’t blame restaurants, because they have to make their money somewhere, right?

If you’re going out to eat, then you’re really paying for:

• Service
• Convenience
• The type of food

Instead of paying the 300% markup number and eating food that wasn’t handled by you, consider meal prepping.

Each meal, be it lunch or dinner, is prepared in advance and frozen so that all you have to do, is take out your frozen meal, heat it up, and eat it!

Now, obviously meal prepping isn’t just fun and fashion.

Here are some things that go into meal-prepping:

• Money  – you have to buy groceries in bulk
• Time  – you have to find time to cook your meals
• Skills  – you have to be somewhat comfortable with cooking
• Comfort  – you have to be ok bringing lunch to work instead of eating out

When you do go bulk grocery shopping, remember you can use cash back rewards apps like Drop , where you can earn money on everyday grocery items!

If and when you do decide to eat out, I would highly suggest tracking your expenses in a budget.

If you haven’t yet, consider opening an account with YNAB  (it’s free for 34 days!) to track your expenses and give you a better idea on your budget.

Below are some of the best foods that I used to meal prep:

• Pasta and meat
• Chicken and rice
• Hard-boiled eggs
• Salad and salmon
• Chicken and salad

Granted, not all of my meals would last for exactly 7 days, sometimes my meal prepping efforts would only last for a few days – which is perfectly ok.

Meal prepping is a great money hack to help you save money and get ahead of your budget.

13. Optimize Your 401k (or 403b) Investing Strategy

Did you know that one of the most important money hacks is optimizing your employer-sponsored retirement plan?

장점

– Grow your wealth for the long term

단점

– You have to stay invested even if markets are volatile

Best Resource

Blooom

Employer-sponsored retirement plans are structured to help you prepare and save more money for your retirement. 

Employer-sponsored retirement plans include:

• 401(k)’s
• 403(b)’s
• 457(b)’s

In fact, in the modern-day and age, 67% of private employers offer their employees access to a retirement plan.

Typically speaking, 401(k) plans are the most common type of employer-sponsored retirement plan.

Do you have access to an employer retirement plan?

If so, it’s time to take a look at your investments and how you can optimize your money in the stock market.

Typically speaking, when you enroll in your employer-sponsored plan, you typically are slotted into a pre-set investment fund, which often is a target-date fund.

In other words, with a target-date fund, you typically don’t have to do anything except continue making your contributions.

The closer the current year to the target date fund year, the more conservatively invested the fund will be.

As an example, the 2030 target-date fund (above) has 65% of the assets in stocks and 33% of the assets in bonds.

Now compare the 2030 target-date fund to a 2060 target-date fund, for example.

As you can see, the further out your expected retirement date, the more tilted your asset allocation will be toward stocks.

Stocks offer more growth opportunities in the long run.

So what are the pros and cons of target-date funds?

Simple

Typically more expensive than other investment options

You don’t have to do anything

No flexibility

Professionally managed fund

No customization

Personally speaking, I would not want to pay more for a product that’s not even customized to my risk tolerance and my life goals.

Does that sound like you, too?

If so, then I would suggest you consider downloading the app known as Blooom (yes, that’s with 3 o’s!).

Blooom integrates with your employer-sponsored retirement plan (like a 401(k)) as well as with your Traditional and Roth IRAs, and offers a customized investment management approach to your money.

Here’s why you should use Blooom:

• Reduces your hidden expense ratios
• Builds a customized investment portfolio
• Adjusts your investments throughout the year
• Builds a portfolio based on your financial goals

All you have to do is link your retirement accounts with Blooom, and the investment app helps you stay on track with your portfolio. 

While customizing your investment account allocation might not seem like a major money hack today, in the future, having a customized portfolio that helps reduce hidden fees could help you save $100,000’s.

14. Buy Cheap Term Life Insurance

If you’re young and you’re planning to start a family, then buying life insurance should be on your priority list.

장점

– Financially protect your family

– Pass a death benefit on, tax-free

– Term life insurance is the cheapest form of life insurance

단점

– May take some time to sign up

– You’ll have to go through underwriting and potentially medical exams

Best Resource

Fabric

One of my all-time favorite money hacks is buying cheap term life insurance as a Millennial to financially protect my family. 

If you outlive the term, you don’t get your money back and your life insurance coverage disappears.

If you don’t outlive the term, the death benefit of your life insurance will be passed on to your beneficiaries tax-free.

Here are some of the pros and cons of term life insurance:

Low premiums

Covers only your selected term

Death benefit is tax-free

No cash value

May be converted to whole life insurance in some cases

No flexibility in premium payment options

Very good option for young people

Difficult to apply to term life insurance if you’re no longer healthy

Term life insurance is a great option for Millennials, which is why I am also such a proponent of this type of insurance. 

Here is why Millennials should consider term life insurance:

• It’s cheap
• You’re not overspending money on life insurance 
• Millennials are typically healthy, so premiums will be even lower

The cost of your term life insurance is not just determined by the status of your health, however.

In fact, there are many additional factors that come into play when determining the cost of your term life insurance premiums, some of which I have listed out below:

Another major factor that determines your premiums is, of course, the amount of death benefit that you select for your term life insurance policy. 

Whenever someone says they need a certain “amount” of life insurance, they are actually referring to the death benefit.

While there are many factors that go into determining how much life insurance you need, below are some key pointers to consider:

• Income
• 어린이
• Total debt
• Work status
• Marital status

Below is a typical formula you can use to determine how much life insurance you’ll actually need:

If you’re ready to take a closer look at life insurance for yourself and your loved ones, then I’d suggest checking out Fabric 👇

With Fabric’s quick 60-second quiz, you can find out what kind of coverage your family needs, and apply for a policy in just 10 minutes. 

• No price changes—guaranteed
• $1 million in coverage for less than $1 a day
• Coverage ranging from 10-30 years and policies from $100,000–$5,000,000
• 30-day money back guarantee, and you can cancel at any time

Qualified applicants could go from “Start” to “Covered” in just 10 minutes, no health exam required.

Leave the insurance part to Fabric so you can focus on life.

Money Saving Hacks:The Bottom Line

Yesterday would have been the best time to take action with these money hacks.

Today is the next best option. 

While reading and doing your research is important (obviously), it’s not everything.

You cannot win without action. 

In the end, it’s important you’re happy with the financial choices you make today for tomorrow.

Implement these money hacks now and your bank accounts will thank me later!