15 Of The Best Money Books For Young Adults – Learn How To Live The Life You Want
9:16 AMAre you looking for the best money books for young adults?
Today, I want to talk about the best money and life books for new high school graduates, college graduates, and other young adults. These would be great for graduation gifts, or just for yourself!
I wasn’t always good with money when I was younger. I bought more clothes than I needed, financed a new car, spent a lot going out to eat, and spent a lot of money on things I didn’t need. It took me several years to realize how my spending habits were affecting the rest of my life.
I think this fairly common when you’re younger, and there are lots of great financial books for young adults that can help you understand how money works and how to prepare for the future.
The best money books for young adults explain personal finance topics like saving, investing, making more money, and more. And, reading them when you’re young can help you get on the right track with your money from a young age.
Rather than spending years playing catch up with your money, you can get started on a great path now.
I often get questions from young readers who are looking for help with their money, and I also get questions about how to help a young person with their money. These books are a great gift for yourself or someone you know.
For me, I love to give books as gifts, especially personal finance books for high school and college graduation gifts. And the best money books for young adults on this list make for great gifts – I’ve even given some of these books as gifts.
If you want to change your life, then I recommend that you start reading personal finance books. Yes, money is not everything, but improving your financial situation can help you gain control of your life.
There are many different books listed below, so you will be sure to find at least one or two that meet your needs.
The best personal finance books may help you learn how to:
- Understand basic financial concepts in an easier way
- Reach financial independence or retire early
- Take on your own yearlong shopping ban
- Deal with and pay off debt
- Better manage the 168 hours a week you have
- Become more confident
- Invest for your future
- Choose your own dreams and adventures
- Find the best path to pay off your student loans
And more!
Here are 15 of the best money books for young adults.
1. Broke Millennial
Broke Millennial was written by Erin Lowry, and is a must-read for young adults. She makes the topic of money entertaining, fun, and relatable for young adults. You won’t be bored with this money book!
Erin gives readers a step-by-step plan to stop being broke, and she discusses many topics, from tricky ones like how to manage student loans, how to discuss money with your partner, and more.
Please click here to check out Broke Millennial.
Another one of the best money books for young adults is Broke Millennial Takes On Investing. Erin recently published this one and it’s a great read, as it covers the topic of investing without making you feel dumb.
2. Work Optional: Retire Early the Non-Penny-Pinching Way
Work Optional is another one of my top picks for best money books for young adults, as it was written by one of my favorite writers, Tanja Hester. This personal finance book will show you how to reach financial independence so that you can live the life you want.
I know retirement feels very far away when you’re younger, but this book explains how early retirement is a possibility if you start saving money now. Yes, retiring before the traditional age of 65 can happen, and it starts with the kind of guidance you’ll get in this book.
Please click here to check out Work Optional: Retire Early the Non-Penny-Pinching Way.
3. The Year of Less by Cait Flanders
If you’re looking for one of the best financial books for graduation gifts, check out The Year of Less by Cait Flanders. In this book, Cait writes about her yearlong shopping ban which will inspire you to simplify your own life and address your relationship with material possessions.
Cait talks about how for a full year, she only bought groceries, toiletries, and gas, and how it impacted her life. This is a great read for young adults as it is so easy to get into a spending cycle when you get your first real job and start earning larger paychecks.
Please click here to check out The Year of Less by Cait Flanders.
4. Dear Debt
Dear Debt was written by Melanie Lockert and focuses on people’s relationships with debt in a funny and endearing way.
Dear Debt is a must read for anyone who has debt or is taking on debt. Melanie shares her personal experience paying off $80,000 of student loan debt, how it affected her mindset, and more. This is one of the best money books for young adults because it’s a personal story about overcoming debt. There’s also tons of great money advice that will help others overcome the debt that may be holding them back.
Please click here to check out Dear Debt.
5. 168 Hours: You Have More Time Than You Think
Do you ever wish that you had more time in your week?
This book, written by Laura Vanderkam, focuses on helping people manage their time better so they can focus on what really matters.
Laura writes about tips and tricks to live a more efficient life. She teaches you how to prioritize things in your life, from how to get enough sleep every night to finding time for hobbies you’ve been wanting to try. You will learn how to use your 168 hours a week to make your life better, as you’ll learn many great life-changing strategies.
Please click here to check out 168 Hours: You Have More Time Than You Think.
6. How to Win Friends and Influence People
How to Win Friends and Influence People was written by Dale Carnegie in 1936 and has sold over 15,000,000 copies worldwide. This is one of the most best-selling books ever, and for good reason!
This book will show you how to approach situations differently, become more confident, and get people to like you. This is one of the best money books for young adults that people of all ages will benefit from, because this book is all about living a happier and more successful life at any age.
Please click here to check out How to Win Friends and Influence People.
7. Quit Like A Millionaire
Quit Like A Millionaire was written by Kristy Shen and Bryce Leung, who are well-known people in the FIRE community. And, if you’re not familiar with FIRE, it stands for Financial Independence Retire Early. Everyone approaches FIRE differently, but the point is to stop letting money hold you back from living the life you want.
Kristy retired early at the age of 31 with a million dollars, and has a very inspirational story. In this book, she explains how that was possible and how it can be a reality for you too. This is a great guide on how to save more money, retire early, and live the life that you want.
In this book, you’ll learn a step-by-step guide on how to reach success, whatever that may mean for you. This is a fun and inspirational book that will open you up to new possibilities and opportunities.
Please click here to check out Quit Like A Millionaire.
8. Get Money
Get Money is a book by Kristin Wong, and it’s an engaging read that will teach you how to manage your money.
Kristin gives you a step-by-step personal finance guide that will show you what you need to do in order to stop letting money control your life. You will learn how to create a budget, pay off your debt, build a better credit score, negotiate, and how to start investing.
Please click here to check out Get Money.
9. Financial Freedom: A Proven Path to All the Money You Will Ever Need
Financial Freedom was written by Grant Sabatier, who decided that he needed to change his life by learning how to make more money.
Here’s a bio I found about Grant to show you how awesome he is!
“In 2010, 24-year old Grant Sabatier woke up to find he had $2.26 in his bank account. Five years later, he had a net worth of over $1.25 million, and CNBC began calling him ‘The Millennial Millionaire.’ By age 30, he had reached financial independence. Along the way he uncovered that most of the accepted wisdom about money, work, and retirement is either incorrect, incomplete, or so old-school it’s obsolete.”
In his book, Grant writes about how to reach financial freedom through steps such as building side hustles, traveling the world for less, building an investment portfolio, and more.
Please click here to check out Financial Freedom.
10. The Simple Path To Wealth
The Simple Path To Wealth was written by JL Collins, and it’s one of the most popular and best money books for young adults that’s available.
Collins writes about many important financial topics in his book, such as how to avoid debt, how to build wealth, what the 4% rule is and how to use it to your advantage, and more.
This is an easy book to read, and it makes complicated personal finance topics much easier to understand. Many people have said that JL Collins is the reason why they were able to retire early, thanks a lot to his website and book.
Please click here to check out The Simple Path To Wealth.
11. Student Loan Solution
Student Loan Solution was written by David Carlson, and it’s a great book for anyone who has student loan debt.
Student loans can be extremely difficult to understand, as there is so much different terminology as well as different ways to pay them back (such as loan forgiveness, consolidation, and so on). This book explains a 5-step process that will help you to better understand your student loans, the best ways to pay them off, and more.
Please click here to check out Student Loan Solution.
12. The Millionaire Next Door
The Millionaire Next Door is another classic personal finance book, and it was written by Thomas J. Stanley.
In his book, he writes about the common traits of those who are wealthy, and how the wealthy can be even someone such as your neighbor, even though you might not realize it. This book shows readers that anyone can retire with wealth, not just your traditional multi-millionaires living in huge mansions with airplanes.
This is one of the best finance books for graduation gifts because it will make you rethink what it means to be rich, which is important to understand from a young age.
Please click here to check out The Millionaire Next Door.
13. The Infographic Guide to Personal Finance: A Visual Reference for Everything You Need to Know
The Infographic Guide to Personal Finance, written by Michele Cagan, is one that I learned about from my readers. What’s great about this book is that it gives you a visual guide to important personal finance topics, and many people learn better from visuals.
This book is different in that it is full of infographics, which make it fun and easy to read. You will learn how to find a bank, build an emergency fund, how to pick health and property insurance, and more.
Please click here to check out The Infographic Guide to Personal Finance.
14. Choose FI
Choose FI was written by Chris Mamula, Brad Barrett, and Jonathan Mendonsa. These guys are behind one of my favorite Facebook communities, Choose FI, and they explain how to reach financial independence and retire early.
While retiring early may seem out of reach if you’ve just graduated, this book teaches you how to “choose your own adventure” and improve your financial situation.
Please click here to check out Choose FI.
15. I Will Teach You To Be Rich
I Will Teach You To Be Rich was written by Ramit Sethi and is a excellent book for beginners. It would make a great gift for a recent high school or college graduate.
Ramit’s I Will Teach You To Be Rich is packed full of great lessons, and it is written in a fun way. He covers the basics of personal finance such as budgeting, saving money, investing, and more.
Please click here to check out I Will Teach You To Be Rich.
What do you think are the best money books for young adults?
The post 15 Of The Best Money Books For Young Adults – Learn How To Live The Life You Want appeared first on Making Sense Of Cents.
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Why The Federal Reserve Does Not Control Mortgage Rates
The post The Federal Reserve Doesn’t Control Mortgage Rates, The Market Does appeared first on Financial Samurai.
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What is a Bear Market?
Generally speaking, a bear market is when the cost of a financial investment falls a minimum of 20% or more from its 52-week high. The Dow Jones Industrial Average hit its record high of 27,088 recently. If it were to fall 20%, down to 21,670, it would be considered in a bearish market. In stocks, a bear market is measured by the Dow, the S&P 500, and the NASDAQ. In bonds, a bear market might take place in U.S. Treasuries, corporate bonds, or municipal bonds.What Are the Benefits of a Bear Market?
Cheap Stocks = Massive Gains Over Time
If you act effectively, by not selling and rather continuing to purchase stocks, the more bear markets you experience as an investor, the higher the probability that you’ll eventually retire with a bigger nest egg. In other words, years of underperformance tend to be followed by years of overperformance. And those years of underperformance are an excellent opportunity to purchase shares inexpensively.Other Investors Are Scared of the Stock Market
There is a simple reason why so many investors and even professional money managers are scared of the stock market–in the short term, stock prices seem arbitrary. Up one day and down the next, watching the ticker every second the market is open can cause one to wonder just what in St. Peter’s name is going on. Warren Buffett described this phenomenon like only Warren Buffett can:“In the short run, the market is a voting machine but in the long run it is a weighing machine.”Actually, Benjamin Graham first said this, and it has stuck with Mr. Buffett, who repeats it often. But the wisdom behind this statement should be taken to heart. In the short term, stock prices reflect all kinds of noise. The Fed Chairman says this or that, and stocks fluctuate. Unemployment numbers come out, and the market reacts. A politician says something to get elected, and the stock market traders do their thing. The point is that in the short term (I’d say one year or less), stock prices are often the result of factors that do not bear on the long-term value of the enterprise. When viewed long term, however, the market truly does reflect the underlying value of public companies. By long term, I mean really long term (ten years or more). Stocks can be undervalued or overvalued for a decade (see 1960s or 1990s). But given enough time, stocks will reflect the underlying value of the corporation that issued the security. Related: 5 Golden Rules for Choosing the Best Stock
Investors Sell on Fear and Buy on Greed
While most would not quarrel with the above comments, many do not take them to heart. It is not easy to hold on to your investments when they fall 40%. You start to lose confidence in your investing decisions. Then you start to wonder if there has been some seismic shift in the markets. Remember the Internet bubble? I recall investors talking about how the world was totally different with the Internet, and they used this lie to convince themselves to buy stocks of dot com companies with zero revenue. Remember the housing bubble? Folks would tell me that they are not making any more land, so prices must keep going up. Those folks are renting now and proclaiming that owning a home is NOT the financially prudent thing to do. The point is that many investors do exactly the opposite of what they should do. When stocks are going up, they buy, buy, buy. When the markets crash, out of fear, they sell, sell, sell. All I can say is that this is wrong, wrong, wrong.You Learn Your Own Risk Tolerance
A market crash presents a great opportunity to determine just what your risk tolerance is. Many mutual fund companies and brokerage houses offer a short survey to help you determine your risk tolerance. The survey asks questions like what you would do if the market fell 20%. Would you sell, do nothing, or buy. Once you’ve answered these questions, the survey suggests an asset allocation based on your answers. Those surveys are all well and good, but there is nothing like losing $10,000, or $100,000, or even $1 million to really gauge your risk tolerance. So after this market crash, you should know your risk tolerance very well. If you sold your investments over the past month or so, you may want to revisit your asset allocation plan. It may have been riskier than you can bear. Intelligent asset allocation is the essential determinant of your investment returns. Handling more risk, by allocating more to stocks, leads to higher returns over the long term. We all know this. But look, there’s no way to know how you’ll feel or how you’ll act after losing a substantial sum of cash in the stock market. So how much can you tolerate without losing sleep and bailing on your investments during a bearish market? Among the most crucial things in investing is to understand your own self, which includes your investment behaviors. This is because we tend to be our own worst enemy. Going through a bear market is truly the only way to discover the appropriate asset allocation for oneself and what he or she can realistically handle (both mentally and financially). Sound money management includes investing for the long term. As difficult as it may be, this means not making investment decisions based on fear. So let’s hear how you have handled your investments during this down market.How to Profit from a Bear Market
The simple and easy way to profit from a stock market crash is to do one of the hardest things in life: nothing. “Don’t just do something, stand there!” is the best strategy, in my opinion. Of course, this assumes that your asset allocation plan is appropriate for your investing horizon and risk tolerance. It also assumes that your investments have gone down because the market has gone down, not because you invested in some silly dot com company with no revenue. So that’s what I’ve done. I’ve not changed my asset allocation plan. I have continued to invest on a regular basis just as before. I’ve only sold one fund, and that was for tax reasons. The proceeds will be going right back into the market to maintain my asset allocation. That being said, there are some strategies you can take if you want to accelerate your path to financial freedom during a bear market:1. Max Out Your 401(k) Right Now
One lesson from the bearish market of 2007 to 2009 is that if you purchase index funds at routine periods through a 401(k), you’ll succeed when the market rebounds. Those who utilized this strategy didn’t understand whether the bear would end in 2007, 2008 or as it finally did, in March of 2009. So if you haven’t already, it’s time to bump up your contribution to max out your 401(k) this year and moving forward. Related: Blooom Review – Finally, a Robo-Advisor for Your 401(k) Think that’s nuts? Think you can’t afford it? I still remember a relative who informed me that their 401(k) was cut in half by the time the last bear market ended, but all of the shares purchased en route ended up being insanely profitable when the market finally reversed and climbed higher. By 2015, those who hung in there (like my relative) have made massive money from the cheaper shares bought during the slump. Now, throw in company matching and all of the cash dumped into the account from that, plus the shares purchased before the peak in 2006 to 2007, and you can imagine how much a portfolio could grow. Now, it’s probably not smart to go all-in at any one time, but simply to keep investing small amounts at routine periods. After a while, you won’t even miss the money and your portfolio will be growing exponentially behind the scenes. Related: 4 Steps to Invest in Retirement When You Have No Money2. Look for Stocks That Pay Dividends
While the stock’s price is dictated by buying and selling in the stock market, a dividend comes from a company’s net income. If the stock’s price decreases, yet the company is strong, making a profit, and still paying a dividend, it becomes a great option for those looking for additional earnings. Finding dividend-paying stocks is one of the core tenants of value investing. Just make sure you know what you’re looking for and don’t just pick a random stock because it pays a dividend. There is a method behind the madness here.3. Find Sectors That Tend to Increase In Price During a Bear Market
It’s useful to research past bear markets to see which stocks, assets, or sectors actually went up (or at least held their own) when, all around them, the market was tanking. Numerous financial websites publish sector efficiencies for different time frames, and you can easily see which sectors are presently outshining others. Start to designate a few of your investment dollars in those sectors, as when an industry does well, it typically carries that out for an extended period. Bear markets can also have various catalysts, so this strategy can likewise help investors to designate their investments accordingly.4. Diversify and Shuffle Sectors by Using ETFs
It’s no secret that various sectors do well throughout the ups and downs of economic phases. For example, when the economy is seeing an uptick, a business that sells big-ticket products such as technology equipment, cars, green home improvement, healthcare innovation, and other comparable big purchases, tend to do so effectively. Because of this, so do their stocks (these are described as cyclical stocks). When the economy looks like it’s getting into an economic crisis, it pays to change to protective stocks connected to basic human needs, such as food (i.e. grocery stores in the consumer staples sector), blue-chip energy stocks, and even clothing and some real estate (depending on where they’re located and who the target audience is). So utilizing exchange-traded funds (ETFs) with your stocks can be a great way to include diversity and use an industry rotation technique.5. Buy Bonds
Buying bonds is a great way to offset a bear market. Remember that a declining market typically occurs in difficult financial times. It often exposes which corporations have too much corporate debt to take care of and who is generally doing a pretty good job of dealing with their debt. But how do you know where to start? First, it’s helpful to know who issues bonds:- Treasury bonds are issued by the federal government.
- Municipal bonds are issued by cities, states, and regional governments.
- Corporate bonds are issued by individual companies.
- Agency bonds are issued by government-sponsored enterprises like Freddie Mac or Fannie Mae.
- The U.S. Treasury: You can buy bonds directly from the government through the Treasury Direct website.
- ETFs: You can buy bond funds through your existing broker to get a broader diversity and lower cost in bonds. A couple we like are the Vanguard Total Bond Market ETF (BND) and the Schwab U.S. Bond Aggregate ETF (SCHZ).
- Your broker: You can buy bonds directly through some brokers, such as E*Trade and TD Ameritrade, but the process can be a bit more cumbersome. I’d only recommend this if you already have a brokerage account with one of the firms that sell bonds, and even then, I’d consider looking at the Treasury Direct site first.
- Credit ratings: The bond rating is a widely viewed snapshot of a business’s credit reliability. The rating is assigned by a third party bond rating firm (for example, Standard & Poor’s or Moody’s), and a rating of AAA is the highest possible rating available.
- Bond duration: A bond’s duration is an indicator of how sensitive it’ll be to market rate changes. A longer duration may signify more ups and downs when rates change, since the value of a bond decreases when rates go up.
- Additional fees: Make sure you’re not paying (or you’re at least aware of) additional fees charged by your broker when buying bonds. As I said above, you may be better off buying them directly through the government.
6. Short Underperforming Stocks [Advanced]
This one is for advanced investors only, and shouldn’t be attempted by novices. Short-selling is when you borrow money to buy shares of a stock, then immediately sell them. The goal then is to buy them back at a lower price, return the shares to the lender, and make a profit on the difference. Shorting a stock is super-risky, and you’re essentially rolling the dice. Even the best investment analysis won’t guarantee a stock is going to decline in value, but in a bear market, thorough analysis can certainly help. Here’s a video from Fidelity that explains short-selling in more detail:7. Buy Dividend-Paying Stocks on Margin [Advanced]
Another advanced technique is buying stock on margin. You have probably seen this in your online brokerage account–the ability to use margin. Margin is basically a loan you get from your brokerage, up to a certain amount, to buy stock. Why would you do this? Well, if you can find stocks that are beaten-down, but still pay a dividend, you might be able to buy a bunch of shares on margin (not using your own money) and hope they appreciate in value. Plus, you add in the bonus of dividends. Best-case scenario–the stocks rebound and you can sell them off, repaying your margin balance and profiting in the meantime. Worst-case is that the stocks continue to decline and you hope that the dividends can help recoup some of the cost. Buying on margin is risky, so you have to know what you’re doing. But if done correctly, you can be super successful in a bear market.Other Things to Consider in a Bear Market
Timing the Stock Market Is a Fool’s Game
I have a friend who sold all of his equity investments (a 7 if not 8 figure portfolio) earlier this year before the market crash. At a party at his house the other day, friends were congratulating him on such a wise move. So I asked him if he was going to get back into the market now. He said no. Then I asked when he was going to get back into the market. He did not know. So I reminded everybody that his decision to sell will have been a good one only if he buys at the right time, too. Successful market timing requires you to be right twice–once when you sell, and once when you buy. And over the lifetime of an investor, you must be correct over and over and over again. Good luck.What If I’m Hoping to Retire Soon?
Regardless of whether we’re in a bull or bear market, you should have a healthy emergency fund stacked up to protect you against fluctuations in the market and major changes in life. Once you’ve done that, you should make sure your portfolio is well-diversified. Finally, just because you’re diversified doesn’t mean you have to take on a huge amount of risk. If you’re close to retiring (early or not), you should adjust your asset allocation based on your risk tolerance and runway to retirement. So basically, if you’re retiring in a couple of years, you may want to lean more heavily on safer investments like bonds.Other Questions to Consider
Bloomberg outlined six key questions to consider before we enter the next bear market. I won’t solve all of these for you here (nor could I), but they are excellent questions for you to think about now, before the bear market hits:- How bad will things get? Typical bear markets see an initial decline of 10 to 20 percent, but things can (and have) gotten much worse. Do some research on historical bear markets to build your knowledge.
- Will emerging markets outperform the U.S.? We can’t know this for sure, but it’s smart to include emerging markets as part of your asset allocation, but keep a close eye on things like the trade war and the news in countries that are considered emerging markets.
- Will actively managed funds outperform index funds? My opinion is no, but that may not be true. In some cases, actively managed funds can weather the storm of a declining market. But don’t forget, you’re paying a premium for this.
- Will managed futures provide positive performance in a down market again? You should only really be looking at futures if you’re an advanced investor. If you are, though, knowing how they’ll perform in a bear market is definitely something to think about, since it’s an opportunity to advance your portfolio.
- Will commodities provide diversification benefits? I think commodities are a great idea for diversification in a bear market, but they may not be for everyone. Do some research here.
- How will cryptocurrencies react? Crypto wasn’t really a thing during the last bear market, but now it is. This is a huge unknown, so consider it a high-risk, high-reward strategy to invest.
Bottom Line
There’s a lot to think about with a bear market. Make sure you listen to The Dough Roller Podcast – Episode 320 – where Rob discusses this in great detail and gives even more insight than I have in this article. The truth is, we can’t predict a bear market, nor can we predict what will happen. But what you need to do is prepare for it, and make sure you stay the course, if not increase your investment efforts. A bear market is an amazing opportunity, despite what it sounds like. A falling stock market can strike fear in the heart's of investors. Here is how anybody can profit during a market crash.The post How to Profit from a Stock Market Crash appeared first on The Dough Roller.
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Hello! Today, I have a great guest post from Melanie. She started a business as a podcast virtual assistant and talks about how you can too. You can download her free workbook – Podcast VAs: What Services Should I Offer? Enjoy!
I’m Melanie Scroggins – voice actor and podcast producer. I currently live in Austin, TX with my husband and two fur babies.
I’ve been working in audio production for almost three years, and what started as a fun hobby, turned into a lucrative side gig that gave me the confidence to leave my last job and turn podcasting into a business.
At this point in my journey, I work part-time on podcasts. But when I was working on podcasts full-time, I usually worked with three clients (10-12 hours a week per show) and brought in over $3,000 a month. Now that I work on podcasts part-time (about 10 hours a week) I bring in an average of $1,500 a month.
Working as a Podcast VA allowed me the flexibility to quit my full-time office job and pursue what I believe to be my calling. I have continued to work as a Podcast virtual assistant because I love the work and the industry – there is always something new to learn!
Every day at my job was the same.
Fluorescent lights buzzing. Fingers clacking on keyboards. Phones ringing. People chatting… constantly.
I’d go in, get my work done and then I’d go home.
Hundreds of thousands of people manage to do this every day. And for a long while, I was one of them.
But I repeatedly found myself asking, “Why isn’t this working for me?”
When I finally sat down to talk it out with my husband, I realized the problem.
I didn’t want to work for anyone else.
It was as simple as that. I wanted to work for myself and our family, have creative freedom, and lots of flexibility.
I wanted to create a work life I was proud of – doing something I actually wanted to do every day.
Work on my terms.
It Was Me, Not Them
I wish I could tell you that my exit from corporate happened in a dramatic flair; the company went out of business and we were all laid off.
Or that I was so poorly treated that I had no choice but to leave. (Oh the drama!)
I really wanted to believe that it was them – not me.
But that wasn’t the truth. It was me. When
I struggled to be okay with the fact that I wasn’t forced out of my office job. Deciding to leave meant choosing something unknown and that felt scary to me.
I only knew that the “nine to five” world wasn’t for me.
The only question was, what was?
A Newfound Love for Audio Production
My husband and I had some adventures after I stepped away from my desk job.
We were living in an RV in a remote part of the coast of Oregon, when I really started to experiment with creativity and flexibility in my work.
At that point, I had been freelance writing for a couple of outdoor companies but I still found myself with a lot of extra time.
I decided to start interviewing other female business owners and adventurers who were doing things differently.
I ordered a mic that could be set up at the RV diner table, downloaded some free software, learned some basic audio editing, and then set up interviews with other female business owners and friends.
It wasn’t long after I started creating and sharing my own content that friends, and friends of friends, began reaching out about how I could help them launch a podcast for their own businesses.
Starting My Podcasting Virtual Assistant Business
Fast forward to the spring of 2018. With minimal help and very little know how, I began to build a podcast support business.
I’ll be honest, it took me a while to trust that I had a good thing going. There were many times that I truly believed that I wasn’t going to make it. At one point, I ended up at another office job once we’d settled down again in Texas.
I was so afraid to dive in 100%.
But, I continued working at my little business. Every evening after my 9-5, I’d worked on a few client’s shows.
After about four months of consistent client work, I gained the courage to quit my office job (again). It was time to expand and take myself (and my goals) seriously.
I had a long way to go to build my portfolio and make enough money to support my family, but I was convinced that I had the skills to make a living doing audio production.
About a year later, I was making well over what I was making in my last office job. And guess what?
I was happier. So much happier.
Today, I am working for myself.
I now have the freedom for which I’d been searching for. And I’ve had it for nearly two years already! Somebody pinch me…
I have the flexibility to work or travel whenever I want to – my life and business on my terms and it feels good.
Why Podcasting?
Okay, okay, so I wanted to work for myself and I’d tried my hand at audio production. Big whoop, right?
The real question is: why did I stick with podcasting?
With over 800,000 podcasts out there (and this number’s increasing daily), you’ll find there is a lot of promise in offering podcasting services to clients, and that’s exactly what I realized.
I initially started by creating a personal podcast, but I quickly became aware that podcasting is something a lot of businesses were interested in pursuing.
And it makes sense, right?
Podcasting allows small businesses to create a more personalized and intimate experience with their audience, which is a great way to approach the marketing idea, Know, Like, Trust.
When people reach out to you and ask how you can help them, that’s a pretty good sign that service is in demand.
Is Becoming a Podcast Virtual Assistant Right for You?
Let’s get something out of the way real quick – there is nothing perfect about work, ever.
Just like there is nothing perfect about life. There are still tough projects, frustrating client experiences, and lots of work to do.
But it’s not about things being perfect. It’s about being honest with yourself and pursuing your calling – whatever that may be for you.
For me, that thing was and is audio production. I love everything about it – editing, mixing, publication, distribution. It hits all my needs, and incorporates a good mix of my analytical and creative skill sets.
But you might be entirely different.
One of my favorite things about becoming a Podcast Virtual Assistant is that there are so many variations of the role. And business owners need all of them!
Why Business Owners Hire Podcast Virtual Assistants
One of the reasons clients prefer to outsource their podcast work to freelancers or virtual assistants is because they simply don’t have the time, desire, or know how.
Their podcast is just one more line item on their very crowded agenda. But that’s good news for us!
There are so many different services you can potentially offer clients. Including (but certainly not limited to):
- Audio editing
- Marketing and promotion
- Publication
- Distribution
- Show note creation
The list goes on!
No matter your skill set, there is something you can likely offer.
If helping small businesses with their podcasts is something you’ve thought about doing, here are five services you could offer clients as well as what you could potentially earn.
1. Audio Editing
This is a particular skill that many clients don’t know how to do or want to do. They’re busy working on their businesses and simply don’t have the time or skills.
If you’re interested in learning how to edit audio, YouTube has a ton of awesome videos on audio editing. If you’re worried about the cost, you can get started today – Audacity is free and great for editors at any level.
Potential Earnings – $50-125/episode
2. Project Management
Yes, project management! A podcast project manager or PM works in the same capacity as a regular PM, they just work on podcast specific projects.
Project managers offer an invaluable service to clients helping them manage production, team members, and content scheduling.
Have a background in project management? Even better!
Potential Earnings – $30-75/hour
3. Guest Management
If a client is interested in interviewing people for their podcast, guest management is a critical skill set they need to have (or hire out).
Your job would be to connect with potential guests, be sure they have everything they need for the interview, and touch base with them after the interview.
This role is especially important because you’re guest facing and representing your client’s business. If you have experience in customer service or administration work, this would be an awesome service for you to offer.
Potential Earnings – $25-40/hour
4. Marketing
You’ve seen this word a gazillion times before, but it’s because marketing is essential to a business’s success and that is also true for the success of a podcast.
Offering this service can make a good podcast an even better podcast. Getting in front of the right people can create unique opportunities for your clients and provide valuable resources to people who are looking for exactly what your client is offering.
If you have a background in marketing, marketing for podcasting is a huge portion of the industry and could provide you with all kinds of potential business.
Potential Earnings – $50-70/hour
5. Content Repurposing
When a podcast is published consistently for a substantial period of time (i.e. six months to a year), oftentimes, it’s a good idea to repurpose content, or, reuse and redistribute content that has already been made in different ways.
Have you ever seen an audiogram or sound bite? Those images with a wave form or quote over an image of a person? This is one small example of content repurposing that is used to promote a podcast.
A large enough show has a dedicated team of people constantly utilizing bits and pieces of older podcast episodes and churning out fresh and updated content.
If you have a background in social media or design, you could offer this much needed service.
Potential Earnings – $25-40/hour
This All Sounds Exciting, But Where Do I Start?
Some of you may be excited about the prospect of starting your own podcasting support business while others of you might be shaking in your boots thinking, “I was really excited, but now I’m overwhelmed!”
Don’t worry. I’ve been there too.
I spent tons of time learning tactics for audio editing, keeping up-to-date with the latest and greatest in marketing, and figuring out distribution; all on my own. It was certainly going the long way around for my ultimate goal; flexibility and creative freedom.
All the knowledge I gained was so valuable! But to be honest, I wish someone was there to help me get from point A to point B more quickly.
The Fastest, Easiest Way to Become a Podcast Virtual Assistant
As a result, I teamed up with my good friends (and fellow podcast lovers), Gina Horkey and Hailey Thomas to streamline your journey.
We created Podcast Assist to help people learn to master the skills and strategies needed to launch, manage, and grow podcasts for small businesses.
Our goal was to put together everything you need to bridge the gap from where you are now, to offering your first service and earning your very first paycheck as a Podcast Virtual Assistant.
You Can Start Now!
In the beginning, I felt like there were so many questions and barriers to moving forward. And so we’re going out of our way to remove as many as we can for you!
So we created this FREE workbook – Podcast VAs: What Services Should I Offer?
It’s especially designed to help you explore the career of a Podcast Virtual Assistant and decide which services are best suited for you.
Included in this free workbook:
- What is a Podcast Virtual Assistant?
- What services should I offer?
- Example service menu and starting rates
- “Which services should I offer?” questionnaire
You can also check out the Podcast Assist Course so that you can learn the skills needed to launch, manage, and grow podcasts for small businesses.
I hope my story was an inspiration! Dive into the workbook and explore what’s going to work best for you!
But before I go… which of the five services above resonates with you the most and why? Chime in via the comments below!
The post How I Make $1,500 A Month As A Podcast Virtual Assistant appeared first on Making Sense Of Cents.
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FIRE Confessionals: How A Bear Market Has Impacted The Financial Independence Movement
2:59 AMWhen I started writing about achieving financial independence in 2009, there wasn’t a lot of hoopla. We had people mainly discussing how they built large enough investment portfolios that spit out enough income to sustain their early retirement lifestyles. There was a thorough discussion and analysis of these investment portfolios. Sure, there were some interesting
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Lesson 1: The Fastest And Easiest Path to Financial Independence Is Needing Less
The 80% Salary Replacement Rule is commonly used by financial advisers to determine retirement income needs. According to the 80% rule, what you need for retirement is tied to what you earn in your working years. If you earn $50,000/year, assume that you will need $40,000/year in retirement. If you earn $100,000/year, assume that you will need $80,000/year in retirement. The 80% rule works for many people because they spend most or all of their income. However, just because many people live this way does not mean we all should. Save More: Is the 50-20-30 Rule a Better Way to Save Money? The 4% rule disassociates earning and spending. Let’s think of it another way: using the inverse of the 4% rule, we get the rule of 25. When your investments reach 25 times your annual spending, you are considered financially independent. Now, you would have enough money to withdraw 4% of investments and live exactly as you are. Your spending, not what you ever earned, determines how much you need to be financially independent. This knowledge can be empowering. Understanding how much you actually need to be financially independent can, at first, also seem intimidating. If you spend $100 monthly ($1,200/year) for cable TV, you would need $30,000 ($1,200 X 25) in investments to support this expense alone. That number can seem large and difficult to attain, and remember: this would support only $100/month of spending. However, replacing cable with an online service for $10 monthly would cut this annual expense to $120. To support this expense with investments would require only $3,000. Saving a few dollars a month does not seem like a big deal at first glance. With this different perspective, though, you can see that not only do you save an extra $1,080 each year. This one decision gives the double effect of reducing the amount needed to retire by $27,000. That is a big deal! Learn More: Cutting the Cord: How to Hack Your TV Budget The effects become quite impactful when applying this logic to bigger ticket items. Supporting a $2,000 monthly mortgage payment in retirement would take $600,000 of investments. However, choosing a home you could pay off before retiring would eliminate mortgage obligations. Quoting financial independence blogger and writer JL Collins, “Financial independence has two aspects: How much you have and how much you need.” Understanding the 4% rule and its inverse, the rule of 25, should make this clear. Having enough investments to support a high-cost lifestyle is very difficult to achieve, even for very high earners. However, focusing on needing (and spending) less can make financial independence achievable for nearly anyone. Related: Money Rules to Ensure a Successful RetirementLesson 2: Investment Fees Matter
If you are a regular Dough Roller reader, this should not be news to you. It is a regular theme are here. In fact, you can check out the recent post and podcast inspired by this topic. John Bogle founded the Vanguard investment group based on this concept. He has written entire books explaining the impact of fees on investment returns. While this lesson can be more fully explained in books, articles, and podcasts, the 4% rule allows for a simple back-of-a-napkin explanation. Imagine that you spend $40,000/year to live. According to the 4% rule, you need to accumulate a $1,000,000 portfolio to sustain that $40,000 annual spending. However, the 4% rule is an academic exercise and does not reflect investment fees. If you pay 2% annual investment fees, your $1,000,000 portfolio would cost $20,000. This represents half of what you could safely take from your portfolio. This would leave you with only $20,000 for your spending needs, while keeping your initial portfolio withdrawal at 4%. You would actually have to save $2,000,000, double what you would without fees, to provide your initial $40,000 and pay “only” 2% investment fees while keeping your withdrawal rate at 4%. Read About 7 Ways to Improve Your Investment Returns If nothing else drives this point home, the 4% rule should. Investment fees matter!Lesson 3: Many People Give Themselves No Chance At Financial Independence
In a previous post, I discussed the impact of savings rate on wealth building. The post includes a table that shows the relationship between savings rate and the approximate number of years it would take to reach financial independence. What it comes down to? Most Americans do not save nearly enough to even give themselves a viable chance. It’s near-impossible for them to accumulate 25 times their annual spending, which the 4% rule shows we need to be financially independent when investing in stocks and bonds. Once we have the means to save enough money, there is then the assumption that we can just blindly put money in our 401(k) or hand things over to an adviser with wildly unrealistic expectations. These scenarios are seen everywhere, such as Dave Ramsey’s “12% Reality.” He writes that “you can expect to make 12% on your investments” using “an investment professional” based on “real numbers.” These ‘real numbers’ assume investing 100% in stocks while failing to account for inflation, volatility of returns, or investment expenses. It does not sound like any real world that I am aware of. Invest Wisely: How to Determine Your 401(k) Fees Studies show most investors get substantially less return than the funds they invest in. This occurs because investors make behavioral errors trying to time and beat the market. Adding insult to injury, they pay unnecessary fees and taxes in the process. While not perfect, the 4% rule gives a realistic expectation of what you can expect to spend living off a portfolio of paper assets, while factoring in real historic returns and accounting for the effects of portfolio volatility. The inverse rule of 25 likewise gives a reasonable estimate of how much money it takes to be financially independent. If you are using the assumptions of the 4% rule, you should first understand the effects of savings rate on time to financial independence. Be sure you save an amount that gives a legitimate chance at a successful outcome. Otherwise you are dead in the water before getting started. Next, you should learn to invest in a way that makes these assumptions valid. This means learning about index investing, which aims to deliver market returns while minimizing investment fees and taxes. Even when minimized, these expenses must be accounted for. You should also learn how to avoid the behavioral errors that most investors make that prevent getting market returns. If you are willing to make an effort to save an appropriate amount and learn to invest in a competent way, the 4% rule can be a very useful tool to help you with your retirement planning. If you are not willing to take the time and effort, the 4% rule is a reality check. It demonstrates that paper assets do not provide a viable path for many people to build enough wealth to become financially independent. How Will You Use The 4% Rule? The 4% rule is one of many “rules” found in personal finance. It was developed to determine how much money can be safely taken from retirement accounts annually. You can choose to follow it, modify it, or use a completely different approach for your retirement spending. However, there are some important lessons hidden in the assumptions behind the research that can help everyone that takes the time to understand them as we find our paths to financial independence. What are your thoughts on the 4% rule and its accompanying rule of 25?In podcast 327, we address misinformation and assumptions about the 4 percent rule to give you a better understanding of how it works.The post DR Podcast 327: What You Really Need to Know About the 4% Rule appeared first on The Dough Roller.
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Are you looking for some new and delicious slow cooker recipes so you can have tasty and stress-free dinners this week?
I love making meals in a slow cooker. Dinners are so much easier when you start everything in advance! I’m less stressed, can focus on things I’d rather do, all while knowing that I have a delicious meal cooking.
So, if you’re looking for some of the best slow cooker recipes, I have 10 new recipes for you to try – that’s almost two full weeks of meal ideas!
I think you’re going to like all of these slow cooker recipes, but here are my favorites:
- Easy Slow Cooker Cauliflower Soup – Cauliflower, cashews, and a smoky chickpea topping. This soup is packed full of protein, and it’s vegan. This soup is creamy, rich, and the chickpea topping is roasted, which gives it a nice crunch.
- Slow Cooker Salsa Verde Chicken Soup – Chicken, black beans, fire roasted corn, lime juice, and more. You can top this hearty soup with cheese, avocado, sour cream (I like to use plain Greek yogurt), and more.
- Mozzarella Stuffed Crockpot Meatloaf – Garlic, onions, mozzarella cheese, Italian seasoning, and more. This meatloaf even has a delicious sweet and spicy glaze on top. I honestly had no idea that you could even make meatloaf in the slow cooker until I found this recipe.
Many of these slow cooker recipes take 15 minutes or less of prep time, which means you can easily make them before you go to work in the morning. They also make great leftovers for lunch the next day.
I like to put together slow cooker recipes before we go out hiking, biking, or exploring. We’re usually very hungry when we finish, and having a slow cooker meal ready to eat means we’re never too tired to eat dinner at home.
Being too tired or too hungry to cook is probably one of the top reasons for going out to eat, but dinner out can easily cost $30-$50. That can be a lot of extra spending that you didn’t budget.
So, these slow cooker recipes will give you some delicious new ideas, make dinner time easier, and they’ll keep your food budget in check.
If you’re interested in more meal ideas, I recommend checking out the following articles for more of my favorite recipes:
- 10 Easy Freezer Meal Ideas
- 10 Easy Fall Recipes – Best Fall Dinners For Your Meal Plan
- 10 Easy Instant Pot Recipes – My New Favorite Gadget
Note: If you’re looking for easy weekly meal plans, full of budget recipes, I recommend $5 Meal Plan. $5 Meal Plan is a meal planning service that sends you a delicious meal plan and shopping list every week for just $5 a month.
Here are 10 slow cooker recipes.
1. Easy Slow Cooker Cauliflower Soup
2. Slow Cooker Vegan Butternut Squash Soup
3. Sweet Potato Apple Casserole
4. French Beef Stew
5. Teriyaki Chicken Quinoa And Veggies
6. Salsa Verde Chicken Soup
7. Slow Cooker Corned Beef Tacos
8. BBQ Pulled Pork Tacos
9. Slow Cooker Chicken Chili
10. Mozzarella Stuffed Crockpot Meatloaf
What are your favorite slow cooker recipes?
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Do you need some working from home tips to make it easier to transition to remote work?
More and more people are starting to work from home or are becoming location independent and traveling while they work, such as those who backpack, RV, or sail full-time.
If you’re new to working from home, you quickly realize that it’s not as easy as it may seem. In the beginning when you’re new it may seem like a great thing, but it can easily turn sour if you are not careful with how you use your time.
Just because you are working from home doesn’t mean that you all of a sudden have 8-10 hours a day of free time – you will still be expected to WORK!
The only thing that has changed is WHERE you are working.
I have been working from home and while traveling since 2013 – so for around 7 years now!
I know many people often dream about working from home and/or being location independent. And there are a lot of great things about working from home.
You don’t have to drive to work (no more commute? YES!), you can wear your pajamas if you’d like, and more. You may even be able to have a more flexible schedule.
Being able to work from home and/or be location independent can be a great thing. I know this because I’ve been working from home for several years now, and I truly love it.
However, there are many things a person needs to keep in mind if they want to work from home (or on the road, while traveling, etc.) and that is why I am publishing this post today about my top working from home tips.
I know several people who have tried working from home only to find that they have a hard time getting anything done. While I’m not one of those people (I love working from home), I know there are certain things that may hold you back if you’re not careful.
This is why it’s important to realize that working from home doesn’t mean you are retired. I’ve honestly heard from people who said they felt that way at first, but quickly realized that wasn’t the case at all.
You still have work that needs to be completed, and you still have to earn a living. Cutting out your commute, being able to wear your pajamas, and being your own boss all may seem like great positives, but you have to remember that you still have a job.
Here are my best working from home tips so that you can be as productive as possible, while still maintaining a good work and life balance.
Content related to working from home tips for success:
- How To Earn Money From Home – 12 Work From Home Jobs
- 17 Best Online Jobs. Want To Make Money From Home?
- Make Extra Income – Over 100 Ways To Make Extra Money!
- 12 Passive Income Ideas
15 working from home tips:
1. Set working hours for yourself.
Even though you are working from home and you probably don’t have anyone looking over your shoulder to see what you are doing all day long, I still recommend having clear work hours. This will help you manage your time, complete your work, and “leave” work for the day.
You will want to schedule your day so you have:
- A start time
- Lunch break
- End time
- Anything else that you would normally do to break apart your work day
Even if you can have the most flexible schedule in the world, it’s usually wise to still have somewhat of a work schedule. This way you can mentally get into the “work zone” each day and have fewer distractions.
I find that I am most productive when I “get up and go to work.” Even though that might mean I am working at the kitchen table – I get myself into the mindset that I am working.
2. Create a dedicated work area.
Similar to sticking to a work schedule, having a dedicated work area can help you work better due to the fact that you will be in a spot in your home that is used just for work.
This can help you separate work and life, be more organized, and be able to concentrate better.
Also, if you have anyone else in your home while you are working, it will be more clear to them that you are busy at work, so that they will be less likely to bother you.
Your dedicated work area doesn’t have to be an office – you can use your dining room table, spare bedroom, extra room in your basement, etc. But, if you are able to have an actual office space in your house for working only, you may be able to write that off on your taxes.
Related: How To Be More Productive: 17 Tips To Help You Live A Better Life
3. Exercise regularly.
When working from home, it can be quite easy to sit in one spot all day long. This is one of the working from home tips that many people don’t expect.
Unlike with going to work where you may have to walk into work, walk to someone’s desk, and so on, you may find yourself getting a lot less movement in your day when you work from home.
By exercising regularly, you can stay healthy, refresh yourself, and clear your mind.
This may mean going for a jog in the middle of your work day, going for a walking break outside, or simply doing a workout routine once your work day is over.
4. Hire help if you need it.
Outsourcing work can help you focus more on tasks that you need to complete, find “experts” who can do certain tasks better than you (such as accounting or legal work), manage a better work-life balance, and more.
You don’t have to only hire help for your work either. You can hire help for both work and home life. This could mean finding a virtual assistant, a nanny, a housekeeper, and so on.
I know it can be hard to feel okay spending money on outside help, but outsourcing often makes you more productive so you can earn more money.
5. Cut out distractions.
While social media and TV may be great at times, you have to be careful so that it’s not impacting your work in a negative way.
Working from home means that your coworkers or boss aren’t watching over your shoulder, and this can cause you to become more distracted. Due to this, it’s always a good idea to cut out things such as social media, TV, and so on while you are working so that you can be more efficient with your time.
This may even mean downloading cell phone apps that minimize your screen time, so that you are forced to cut out distractions. I even know of some people who put their phone in another room so they aren’t tempted to look at it while they are working.
6. Socialize with others.
Working from home can make some people feel a little lonely at times. You don’t have the normal socialization that you may receive when you go into an office, which can make you feel like you are cut off from the world.
There are still many ways to socialize with others. You could join a club, hang out with friends, call coworkers, or even work in a shared space with small business owners.
7. Don’t run errands for others all day long.
There’s a common myth that people who work from home don’t actually do anything all day. This sometimes leads to friends and family members asking for favors from those who work from home.
Many of my online work friends are constantly asked to babysit, run errands, and so on from others. While the occasional favor may not be so bad, of course, these favors often start with, “I know you have nothing to do today so will you…”
If you have the time and you want to, by all means say yes to every favor. But, I believe you need to be realistic with yourself and those around you, and this is one of my most important working from home tips. Running errands all day for others can prevent you from completing work, and it can also cost you money.
8. Make sure you take breaks.
This may not apply to all work from home jobs, but for many people, working from home means you may have a flexible schedule. So, as long as you get your work done, you can most likely take any breaks that you think you deserve or need, and this is a big perk of working from home.
This is something I highly recommend that everyone who works from home do, but I also know it can be hard sometimes.
A break can help you feel more refreshed so that you can work better. Whenever I am feeling stuck with work, I always take a break and that almost always helps.
9. Connect with other people who are working from home.
One of the best pieces of working from home advice I was given was to connect with other people in my field. So, I found other bloggers to connect with via email, and we eventually started a mastermind group with one another.
Most of the time we talk about how to grow our businesses, but we often talk about tips, advice, and struggles we have with working from home.
If someone has never worked at home, they probably won’t understand certain aspects of your day. Even your spouse, partner, family, or friends may not get it, and having a group of others who understand you feels great.
10. Find tools and apps to make working from home easier.
There are so many great tools on the internet that can help you work from home. You can use workflow management software like Asana, make the best out of Google calendar, or even just use reminders on your phone.
This is one of the tips for working from home effectively that can really change how you structure your day so you actually get stuff done.
11. Explain what working from home means to those in your life.
Like I’ve said, some people around you may not understand what working from home means, like some people may ask you for favors because they think you do nothing all day. This is why I recommend this as one of my best working from home tips.
When you start your new remote work life, set some boundaries with those around you. Tell the people in your life if there are certain times they shouldn’t bother you, that you might not pick up the phone right away, etc.
Others probably aren’t sure what working from home really means, and they will happily respect your boundaries once you tell them what they are.
12. Ask for what you need.
This is one of my top working from home tips for those who are employed by someone else and not self-employed. If your employer needs you to work remotely, they may supply you with the equipment you need to work from home.
Your employer may provide a computer, desk, ergonomic chair, keyboard, mouse, etc. Large companies often have a budget for these things, and you just need to ask.
13. Take time off work when you are sick.
Taking time off when you are sick is a hard thing for even those who go into work, but it’s especially hard if you work from home.
I have to admit that this is one of my working from home tips that I wasn’t always very good with.
Just because you work from home doesn’t mean that you need to work while you are sick. Yes, you may be more comfortable working from home, but take time off so you can rest and feel better. You will get better soon and be better at your job when you are healthy.
14. Create routines for the beginning and end of your day.
When you start working from home, you lose some of the routines that come with going to work and leaving for the day. So, it can be helpful to create new ones.
You may want to start your day by going for a short walk, getting a cup of coffee, going over your daily schedule, then opening your work emails.
You could end your day by organizing your schedule for the next day, shutting down all of your work apps, and then going for another short walk.
This is one of the working from home tips that will help you feel like you are “going” to work everyday, and can establish boundaries with the rest of your day.
15. Enjoy your new career working from home.
In the end, you need to remember to have fun. There are a lot of benefits to working from home, and it’s important to take advantage of them when you can.
Spend more time with your family, be successful with your career choice, do things that you’ve always wanted to do, and more.
Being able to work from home is one of the best things I’ve been able to do. It allows me to spend more time with Wes, travel full-time, have a flexible schedule, and more. I know it can be hard at times, but with these tips for working remotely, you’ll adjust and love it too!
Do you think you’d like working from home? What are your top working from home tips?
The post 15 Of My Best Working From Home Tips So You Can Succeed appeared first on Making Sense Of Cents.
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