What Side Hustles Are You Planning to Start?

Each time R and I talk about our student loans, we often come back to the need to start doing more jobs on the side. We’ve looked at analyzing our budget, saving more, and only getting the things that we need – not want. But we now realize – all of that work is good, but it doesn’t address the big elephant in the room – which is, we actually have to start making more money, before we can think of mastering that money.

That said, neither of us are big spenders. Granted, I didn’t grow up with much, and so I have a hard time spending money on ‘non-essentials’ like clothes or household equipment. But we’re pretty much on the same page, when it comes to what to buy, and what not to buy.

So I’ve been digging to find a few side jobs that I can do. Here are a few ideas I’ve come up with:

  • Running Facebook and Google ads for small (brick-and-mortar) businesses. With this, I have two main challenges: 1) deciding how much I have to know before getting started; 2) where to find clients
  • Tutoring specific subjects (e.g. math, stats, engineering or GRE). I’ve checked a few tutoring sites (including Chegg, Kaplan, and Manhattan Prep).

How to Do Well in Graduate School – My Top 7 Tips

I’ve always wanted to go to graduate school after completing my undergrad degree. So, once I got my diploma, I started writing my GRE, researching schools in the U.S., and doubling down on preparing myself to be a more competitive candidate. I eventually got into my dream school for my program for my MS degree.

Having spend 3 years in graduate school and so passionate about excelling in graduate school, I thought I’d share my top tips on how to do well in graduate school. Even though I decided not to go ahead for my PhD, I was able to publish 5 papers, get a GPA north of 3.80, and placed among the first 3 for research in an international graduate research competition.

So, here are the top 7 things I learned in the process.

1. Know What You Want to Do After Grad School

So, I’ll start with what a lot of people can agree on about grad school. Here it is: grad school is hard. For your undergrad, professors want a lot from you, but not at the level you see in grad school. You’re expected to learn a lot of things by yourself, figure things out, and get better as you go.… CONTINUE READING

Need Money Now? Here Are 8 Legitimate Ways to Get Cash, Fast!

Have you ever being in a position where you could desperately use some fast cash?

Don’t fret – there are many ways for you to get that much-needed money quickly – if you know where to look.

And yes, every option we’ll be talking about here are legit and peaceful ways to get that quick cash.

In this article, we’ll talk about how to get money now.

Something Just Came Up And I Need Money Now

If you just had an unexpected expense come up and you need that money ASAP, there are lots of ways to get that much-needed cash rolling in.

1. Sell Things on Facebook Marketplace

One of the best ways to start making fast money is to start with the things you already have. See what you have at home that you can easily sell. It’s one of the best ways to make quick money without buying anything new or learning a new skill.

Even more, you won’t need to learn how to market your product, because thousands of buyers are practically looking on the Facebook Marketplace to buy what you have to sell.

If you’re thinking, ‘this sounds good’, but what can I sell? Good question.… CONTINUE READING

How to Save Up For Your Dream House

Have you been asking yourself: “How do I save up for a house?”

Good question!

If you’ve had your mind on no longer renting, and getting your own house, either for your personal living or as a rental (or investment) property, then one of the biggest hurdles you’d need to overcome is this: saving up enough to own your own house.

The Top Two Barriers to Home Ownership In America

According to a 2018 Urban Institute survey, 68% of renters cite inability to come up with a down payment as a barrier to their home ownership in America, while 53% say they do not qualify for a mortgage.

So the top two reasons are:

  1. “I can’t afford a down payment”
  2. “I can’t qualify for a mortgage”

Let’s talk about how to solve both issues in this Question & Answer series.

To save up for a house, it’s generally a good idea to not pay cash for the house outright.

Here’s why:

If you put the same amount in a high-yield savings account over the next 15 or 30 years (that you’re supposed to pay for your house), you’ll very likely get a higher return on your investment than outrightly paying off the mortgage on the house now.CONTINUE READING

60+ Super Easy Ways to Save Thousands of Dollars Every Week

Learning how to save money can sometimes be hard. At the same time, your goal is to build lasting wealth.

Don’t get me wrong:

The best way to build lasting wealth is to earn more money.

Here’s the problem though:

It takes an average of 6 months to a year… or even more, to build a new income stream that earns you more money.

From learning new skills… to figuring out what the market wants… to positioning your business… to earning enough to justify the hours you put in, earning more money might not be quick, easy or simple.

But here’s the good news:

There’s an easier way: Cutting back on your expenses. Not because you need to buy a new house, or get a new car.

Instead; cutting back on your expenses, so you can breath easy and not feel desperate if new income sources are hardly coming in.

In this guide, I’ve put together a comprehensive list of ways you can save, so you can be inspired to take action right now.

Use this guide to serve as a reminder or to simply discover new ways to cut back your spending.

My goal for you is to see “saving” as a fun and excellent thing to do, and not as a last resort to do when you’re financially struggling.… CONTINUE READING

Build Up Your Emergency Fund: The Simple Money Guide Anyone Can Follow

This post is part of a series on staying on top of your finances.

Now that you’ve automated your finances, it’s time to dig deep on one of the most important, yet unpredictable, aspects of personal finance.

Your emergency fund.

Because here’s the truth:

Many Americans will do well and have a better shot at staying on top of their finances and having more financial control, if there were no emergencies.

After all, you know your monthly income (after tax) and expenses.

And you can decide how much to put towards savings and retirement.

Except you don’t know how much of your monthly income will go towards emergencies.

Basically, emergencies are events of life that we didn’t expect. 


  • Job loss
  • Health care emergencies
  • Car expenses
  • When a loved one passes
  • Unexpected travel
  • Household repairs

In this chapter, I’m going to show you EXACTLY how to prepare.

That way, when any of these financial emergencies hit, you’re better prepared without causing a huge damage to your financial stability.

Build up an Emergency Fund

Hear this:

Building up an emergency fund is not easy.


You’re trying to prepare for something that may/may not happen.

But, as they say, life is full of surprises.… CONTINUE READING

Master Your Money: 7 Expert Financial Habits That Work Great

If you want to stay on top of your finances, you need to master one simple principle:

Be financially disciplined.

When you do, you’ll be able to delay gratification in the short term and maintain control of your financial life. 

The question is:

How do you achieve financial discipline?

Here are seven strategies that work GREAT.

1. Go Extreme

If you want to build financial discipline, going extreme on your finances is one of the first steps to take.

To do this, create a simple spending plan.

First off, write out your most essential expenses and amounts.

Like this:





Car Insurance


Retirement investment (Roth IRA, 401k)

Then, once your next paycheck arrives, pay only those bills and move the remaining amount to a separate savings account.

For example, let’s say that you’re a single male or female, who’s a year out of college. 

  • You’ll need roof over your head (hence, the rent)
  • You’ll need to eat at home (hence, the food)
  • You’ll need to pay for internet and electric
  • You might also need to move by car, depending on where you live and how you get to work
  • Lastly, plan to invest in your retirement account at your company

Once you’ve paid for these expenses, move the rest of your paycheck into a new savings account.… CONTINUE READING

Automate Your Finances: The Simple Guide You Can Start Using Today

Now it’s time to get into the inner details of staying on top of your personal finance.

Specifically, it’s time to automate your finances.

In this chapter I’m going to show you proven strategies that you can use to easily run your personal finance, almost on autopilot.

Let’s jump right in.

Automating your finances

The #1 goal for staying on top of your personal finances is to: give you financial freedom.

… for you to be satisfied that every dollar that comes in goes towards the things in life that would make you free of money worries.

In other words, free you to do more with less.

Enter: automation.

If you constantly have to transfer funds into your savings account EVERY TIME your paycheck comes in, then you might find the “process of saving” difficult or just outright impossible.

Here’s why:

Each time you choose to put money away for savings or investing, you’re using your limited willpower to make yourself do it… even when you don’t feel like it.

Every time that happens, you’re leaving a door open for you to come up with an excuse or reason to hold back from saving or putting the funds away.

This is why you should automate your finances. … CONTINUE READING