November Side Hustle

Get $3 for Signing up for Swagbucks in December 2017


If you haven’t tried Swagbucks before, you can get a bonus $3 for signing up as my referral during December. Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching, watching videos, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Starbucks, Walmart, Target, or PayPal cash.

When you sign up through me this month, you can earn a $3 bonus! Here’s how:

1. Sign up using this link

2. Earn 300 SB total before 1/1/18. You’ll get a $3 (300 SB) bonus for it!

3. If you want even more bonuses, you’ll get a $10 (1000 SB rebate) bonus for making your first shop purchase! That’s in addition to the SB you earn for every dollar you spend.

That’s it. It’s super easy, and Swagbucks is for real. I use it myself, and I’ve earned more than $2,000 over the past few years. When I first started getting $5 Amazon gift cards, I thought it was cool. Then I started cashing out for PayPal cash, which I’ve used to invest and pay off debt. I heartily recommend Swagbucks for earning rewards.

The previous was a sponsored post. This site includes affiliate links. I may be compensated if you choose to sign up using one of my links.

November Side Hustle

Online Side Hustle Income for November 2017

We’re now getting into the month of December. While the end of November was unseasonably warm in my part of the country, I’m sure the snow will be flying shortly. With the end of another month, it’s time to add up my online side hustle income for November.November Online Side Hustle Income

As I’ve noted before, I started looking into ways to earn money online around the time that I started grad school. With a wife an kids to support and a tiny grad stipend, I needed to find a way to make more money. I started investigating a few options. One success would lead to another. Before long, I’d found several options for earning money online.

I have a real job now with real income, but the online side hustle income that I bring in each and every month helps me toward my ultimate goals of being free from debt and achieving some level of semi financial independence. I’m quite a ways away from both at the moment, but I’m inching toward my goals slowly, but surely.

November was not as strong a month for online earnings as a few other months this year have been. Some of the freelance income that I’ve had every other month of the year is going to come in December, rather than November. This leads to the lower payout that you’ll see here.

Online Side Hustle Income for November

Here are the ways that I earned money from my online side hustles in November 2017 (Please note that there are affiliate links. I may be compensated if you sign up for these sites with my links):

Swagbucks: $100
Freelance Writing: $44.06
Earnably: $6.00
EarnHoney: $5.00
Amazon.com: $0.12 (page views from my e-Book)

Total online side hustle income for November: $155.06 

This is the lowest that I’ve made all year, but I had nearly $100 accrued that will get paid out in December. This month is looking like it will be a great return for my efforts. The cool part about some of this income is the fact that it came my way pretty passively. Both EarnHoney and Earnably allow me to let videos play. I’m liking Earnably more in recent months because it has a really low payout level of just $1. It’s not much, but it adds up over time.

Earnably

Can You Make Money Online?

Absolutely. Your ability to earn money online is limited by the time that you have available each week and the imagination that you might have to market some opportunities to others. Setting up your own blog can be a great way to share these opportunities that can help people out. You can also start to earn affiliate income of your own.

WordPress recommends BlueHost, which is one of the top options for self-hosted bloggers. You can sign up for BlueHost by clicking the banner below if you’re interested in getting a self-hosted blog. I just started another website, and the process of getting it set up requires just a few clicks and some typing after you’ve chosen a name for your site:

Remember, I started out making absolutely nothing online. I’ve now built up to where I’m making nearly $5,000 a year in my spare time. This can definitely grow over time.

Reviews Of Money-Making Sites

Here are a couple of reviews that might help you decide which sites might work for you:

Earn Cash and Rewards with Swagbucks
Swagbucks is my favorite site to use to earn money. If nothing else, you can make money from searching the web.

Earning Money In Pajamas With GiftHulk

My Ibotta App Review
I use this when I go shopping. You can earn $10 for signing up with my link and getting your first rebate within a week. With cashouts starting at $20, you’d be more than halfway to redeeming for some PayPal cash!

How did you earn extra money online during September? Do you have any other options that worked? Let me know in the comments. I’d love to check them out!

Keep Up With My Progress

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m nearly up to 350 followers, and I appreciate any support you might choose to give.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so. Just click on the “Share This” link at the bottom of this post!

Disclaimer: This site has affiliate links. If you decide to sign up with one of these affiliate links, I may be compensated. I appreciate any support you might provide.

November Side Hustle

December Swago and Spin-and-Win


The digital rewards site Swagbucks is offering big payouts during their December “Swago” promotion starting Monday, December 4th at 9am PT and running until Monday, December 11th! Swago is just like bingo, but in this case you’re filling out squares as you earn points on their site for doing things you already do online. If you’re thinking of trying Swagbucks, this is a great chance to learn all about how the site works and earn bonus points while doing it, meaning you can get more gift cards faster. Here are a few tips:

  • Each square on your Swago Board will contain an action item to complete. They can be anything from getting a search win, completing a survey, or just visiting one of our popular stores!
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have until 12pm PT/3pm ET on Monday, December 11th to mark off as many squares as possible so use your time wisely.
  • Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value. Once you’ve achieved a pattern, the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
  • Each activity you successfully complete on your Swago Board will give you anywhere from 1-20 spins on the Spin & Win Wheel. PLUS, when you submit your board for a bonus you’ll get additional spins. The number of spins will depend on the pattern you complete. The wheel has all sorts of great prizes that you can win, and each spin is a winner!

The Spin & Win Wheel will be available all throughout Swago and you have until 11:59pm PT on Monday, December 11th to use all your spins.

Fill up your board and then submit your pattern to get even more points – if you can fill in the whole board, you get a 500 SB bonus, which is enough for a $5 gift card from the retailer of your choice.

Click here right now and click “Join” to get started! If you don’t already have a Swagbucks account, you’ll be able to quickly sign up; PLUS, if you earn 300 SB before the first of January, you’ll get a bonus 300 SB!

The previous was a sponsored post. This site includes affiliate links. I may receive compensation should you sign up using my links.

November Side Hustle

November 2017 Passive Dividend Income

Building up passive dividend income slowly but surely

Today was the last day of the month. Thanksgiving has passed, Christmas and the end of the year are just a few mere weeks away. It’s now time to look into the passive dividend income that my investments brought in during November. The end of the month is one of my favorite times of the month for this very reason.

Surprisingly, the second month of each quarter is a usually good month for me when it comes to dividend income. It rivals the third quarter and sometimes outpaces it. November was no different. My current investment holdings that pay dividends include eight individual companies and three funds.

I like investing in companies that pay dividends because the dividends make it less likely that I will lose money on a given investment. They provide me with a margin for error. Also, these dividends will provide income when it comes time to retire in a couple of decades.

Also, these companies make sales around the country, and some of them have foreign sales. They have workers who put in effort each and every day to bring profits and dividends my way. The funds that I hold generally include companies that have domestic and foreign sales.

I literally earn money in pajamas, as these companies that operate around the world obviously make sales and profits while I’m in bed asleep. It’s always 5 o’clock somewhere. Passive dividend income is my favorite type of income.

Passive Dividend Income for November 2017

Four separate companies and one fund paid me in November. Some of these companies are among my largest holdings, so the dividend income was quite a bit more than it was in October. Here is the passive dividend income that I received in November:

AT & T (T)                                                                                        $24.50
Tanger Factory Outlet Centers (SKT))                              $8.56
Omega Healthcare Investors (OHI)                                 $32.50
Realty Income Corp (O)                                                             $5.30

Total for Traditional IRA                                                         $70.86

JP Morgan Equity Income R5 (OIERX)                             $3.24

Total Passive Dividend Income for November:    $74.10

This was nearly $9.00 more than the dividend income that I received in August 2017. Most of this was a result of the addition of Tanger Factory Outlet Centers to my portfolio. I also had raises from Omega Healthcare Investors and Realty Income Corp.

When looking at this dividend income in relation to my dividend income from a year ago, I earned only $25.31 last year. This means that I nearly tripled my dividend income in just one year. That’s pretty exciting, if you ask me. Furthermore, I’m now up to $419.51 in overall dividend income for 2017. With a month to go in the year, I’m now  more than $150 ahead of the dividend income that I earned for all of 2016.

I’m also up to $564.04 in estimated dividend income for the next 12 months. This does not include any dividend income that I might get from a 401k plan that is still invested (the source of the $3.24 income in the list above. This would buy me slightly above 28 hours of “freedom” over the course of a year when estimating a need of $20/hour to maintain my standard of living.

How was your dividend income in November?

Also, don’t forget that I’m running a giveaway for an Amazon e-gift card that ends on Monday, December 4, 2017. Be sure to check out how to sign up for the giveaway here

Keep Up With My Progess

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m now closing in on 350 followers, and I appreciate the support.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so.  Just click on the “Share This” link at the bottom of this post!

Earnably
Disclaimer: This site has affiliate links. If you sign up with one of these affiliate links, I may earn compensation. I appreciate any support you might provide.

November Side Hustle

Holiday Amazon Gift Card Giveaway

Welcome readers! Tis the season to buy presents for friends and family. Sometimes, this can come to quite a bit of money. I’d like to help out a bit for one lucky reader. That’s why I’m hosting a Amazon Gift Card Giveaway for the holidays.

You can use this $10 e-gift card toward any purchase on Amazon. It definitely won’t cover the entire cost of many items, but you can look at it as a discount on your purchase if it does not cover the entire cost.

How To Qualify for the Amazon Gift Card Giveaway

How can you qualify for this $10 Amazon e-gift card? There are three steps.

First, scroll to the bottom of the page and answer what your favorite online side hustle is in the comments. Make sure to list your name and your email address. Without this information, I cannot contact you should you be the winner.

Second, scroll to the bottom of the post and click on either the Facebook or Twitter share button.

Third, take a screenshot of your Tweet or your Facebook post. I’ll ask for the screenshot in my email to the winner to verify that they shared the post. You can attach it to your reply.

Good luck in the giveaway, and happy holidays!

Amazon Gift Card Giveaway

Here are the official rules of the Amazon Gift Card Giveaway:

Contest Duration:

The contest will run until Monday, 12/4/2017 at 11:59 pm GMT. Anyone who signs up before this deadline will be eligible to win.

Contest Prize:

One Amazon e-Gift card code that’s worth $10. The total value of the prize is $10. The winner will be responsible for putting in the code on their own Amazon.com account.

Odds of Winning:

The odds of winning are 1 in however many people sign up for my email list via Mail Munch before the deadline.

How will the winner be selected?

I will count up the number of entries received by the 12/4/2017 deadline. Then I’ll input the number of entries into an online random number generator. The first person to comment on and share this post will get number one. The second will get assigned number two, and so forth. The person whose number comes up will get an email from me informing them that they’ve won. They will then need to reply to the email and provide me with the screenshot of their share of this post on Twitter or Facebook. If they do not reply within 48 hours after I send the email with the screenshot, I’ll get another number from the random number generator and repeat the process until I get a winner who responds.

What will you do with my email address (AKA privacy)?

By signing up, you agree that you give Earn Money in Pajamas permission to use your email address for two possible purposes. The first is to get updates from Earn Money in Pajamas.  The second is to put you into contact with opportunities to earn money and/or travel/cash back points (for example Chase or Amex referrals). Names and email addresses are all that might be shared under this arrangement. I appreciate your support.

Want to Learn About Future Opportunities? 

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m now closing in on 350 followers, and I appreciate the support.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so.  Just click on the “Share This” link at the bottom of this post!

Disclaimer: This site has affiliate links. If you sign up with one of these affiliate links, I may earn compensation. I appreciate any support you might provide.

 

November Side Hustle

Retirement Planning Considerations for All Americans

One thing is sure for those who live to a ripe, old age. These folks are likely to need to slow down at some point and retire. For some, this will be forced upon them by an employer or by illness. Others will have more of a choice as to when they decide to walk away from paid employment. Regardless of when or why retirement comes about, it’s important to adequately prepare for one’s golden years with a bit of retirement planning.

Retirement Planning is a must!
Retirement Planning is a must!

According to one recent study from the Economic Policy Institute, the median retirement savings for all working-age families in the US stands right around $5,000. This would pay for a month or two for a frugal family, but it is well short of what one might need to save up for a comfortable retirement.

Those between 56 and 61 years of age are doing a bit better than the average, but their savings still only reach $17,000 on average. How can you achieve a better retirement? Here are some ways to diversify your finances so that when you hit retirement age, you’ll be able to subsist on something other than dog food. These statistics are some of the reason that I’m saving money in an IRA and building up passive income.

Social Security Should Be Part Of Retirement Planning

Just about every retiree in the US can count on some level of Social Security payment. While the payout to future retirees may be lower than what current retirees can expect, there should be some level of income for those who reach 62 years of age in the future. Social Security should not be your only source of retirement income.

The Social Security Administration recently noted that more than a third of current retirees rely on Social Security for 90 percent of their retirement income. This is scary. This means that you should start thinking about retirement finance as early as possible.

The average social security payment is a little more than $16,400 a year.  This is something, but it’s not going to be enough for most people to live on.

Remember Tax-Advantaged Accounts

The government makes it somewhat easy to save for retirement in addition to Social Security. There are a number of different tax-advantaged accounts that have names with a number in the 400s. These allow people to save for retirement while also cutting down on the amount of federal income taxes that they have to pay. Tax-advantaged accounts should be an important part of any worker’s retirement planning strategy.

The 401k is probably the most familiar of these retirement accounts, but you can also access tax-deferred accounts if you work for nonprofits or governmental agencies. These accounts are  403b and 457b plans. Some employers will actually offer both. The maximum that employees can contribute for each is $18,000 per year.

Use IRAs As Well

You don’t have to have an employer who sponsors a retirement plan for you. It’s also possible  save money each and every year on your own. As of 2017, you can save up to $5,500 each year ($6,500 if you’re above 50 years of age) in an individual retirement account, also known as an IRA.

There are two flavors of IRA accounts. The traditional format allow you to cut your taxable income in the current year, but requires you to pay taxes on the amount you save and any growth in the account when you access the funds. A Roth IRA does not come with the tax deduction in the current year, but it does allow retirees to withdraw contributed funds and any gains and income tax free.

These accounts come with a 10-percent penalty for accessing the funds before age 59 1/2. The penalty does not apply if your employer lets you go after turning 55. This penalty is in addition to the income taxes that you might have to pay.

Why My Retirement Planning Includes Dividend Stocks

I could sit back and plan to use pensions and Social Security payments for my entire retirement income. I could also wind up eating Alpo. That’s why I’m buying stocks to build up a passive income that comes in when I can no longer work or hit an age when I don’t have to work.

Stocks (at least a broad exposure to them) have tended to grow over time. They also throw off dividends and distributions that are real cash that real companies pay. These dividends tend to grow at a rate that exceeds the level of inflation over the long run. Therefore, my purchasing power should not go down on this part of my retirement income. It likely will for pension and Social Security income.

What does your retirement planning look like? What avenues are you using?

Sign Up For Updates

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m now closing in on 350 followers, and I appreciate the support.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so.  Just click on the “Share This” link at the bottom of this post!

Disclaimer: This site has affiliate links. If you sign up with one of these affiliate links, I may earn compensation. I appreciate any support you might provide.

November Side Hustle

Cyber Monday Cash Back On Swagbucks


You can earn money while saving it on all your big Cyber Monday purchasesThe Cashback Shopping site Swagbucks is offering big cash back – 3x or more – at over 120 different stores today only. They’re also offering big payouts on a varieties of different deals and offers from companies that would make great gift ideas. Get great deals without waiting in lines or even leaving your home!

If you’re not familiar with Swagbucks, they offer cash back in the form of points when you shop. Then you can turn those points into gift cards to places like Amazon, Starbucks, Target, or PayPal cash. You can also earn points for discovering deals, watching videos, answering surveys and more!

Click here to take advantage of the cash back, just create your Swagbucks account when prompted (it takes less than 30 seconds) and then you’re all set!

As a special bonus, if you sign up through me you get a 300 SB ($3) bonus when you earn your first 300 SB before December 1st! This site’s a great way to extend your shopping budget, especially around the holidays!

November Side Hustle

Black Friday Deals through Swagbucks


The Cashback Shopping site Swagbucks is offering big cash back at over 120 different stores all throughout Black Friday weekend. They’re also offering big payouts on a varieties of different deals and offers from companies that would make great gift ideas. Get great deals without waiting in lines or even leaving your home!

If you’re not familiar with Swagbucks, they offer cash back in the form of points when you shop. Then you can turn those points into gift cards to places like Amazon, Starbucks, Target, or PayPal cash. You can also earn points for discovering deals, watching videos, answering surveys and more!

Click here to take advantage of the cash back, just create your Swagbucks account when prompted (it takes less than 30 seconds) and then you’re all set!

As a special bonus, if you sign up through me you get a 300 SB ($3) bonus when you earn your first 300 SB before December 1st! This site’s a great way to extend your shopping budget, especially around the holidays!

November Side Hustle

Get Exclusive Swagbuster Deals


Running now through December 3rd, the cashback shopping site Swagbucks is running a series of exclusive “Swagbuster” deals that offer increased cash back (in the form of SB points) at stores, when buying gifts cards, and big SB payouts when you discover offers from different companies. You can take all of the points you earn from these deals and redeem them for gift cards from places like Amazon, Target, Walmart, Starbucks, or PayPal cash, helping you extend your holiday budget further!

The deals change every few hours, and you can keep track of what’s available by clicking here. You need a Swagbucks account to take advantage – fortunately it’s free and takes less than 30 seconds to sign up. PLUS, if you sign up through me you’ll get a bonus 300 SB ($3) if you earn 300 SB before December 1st!

This is a sponsored post. It includes affiliate links. I may be compensated should you sign up with my link.

November Side Hustle

Paying Off Debt With Online Earnings–Part 3

 

Over the past month or so, I’ve been tracking my attempts at paying off debt with online earnings. This is probably going to be a long, drawn out process.

I graduated from grad school with more than $36,000 in debt. Well, it was probably just above $20,000 when I graduated. Then I ran into a four-month gap between the end of my grad assistantship and my first paycheck at my new job. I also had to move to take the job.

Erasing Debt with Online Earnings
Erasing Debt with Online Earnings

Needless to say, the debt grew quite a bit within just a few months. I was not happy. That was a little more than four years ago. My goal is now to pay off this debt in short order. I’d like to have it paid off within the next couple of years.

Even with what I considered a big amount of debt, it’s not nearly as big as what some people have. Student loan debt is around $37,000 for the average graduate. I had some friends who owed more than six figures. This can definitely hamper one’s lifestyle for years to come. That’s why I’m working at paying off debt with online earnings.

I’ve attempted to make money online for the past several years in an attempt to at first supplement my then-meager income as a grad student and then to pay off debt and build my investments so that I can build up passive income.

Paying Off Debt With Online Earnings–Part 3

My credit card statement is about to roll over to a new month. I have all of my debt from my days as a grad student on a 0-percent balance transfer. Before I decided to split my efforts between paying off debt with my online earnings and investing, I was basically paying off the minimum each month. With a debt that was then a little north of $8,000, I figured that I could theoretically take between 8 and 10 years to pay off the debt.

I was investing most of my online earnings, but the debt went down very, very slowly. I want rid of it more quickly. I figured out that paying off $200 a month could make the debt go bye-bye in a little more than three years. In my estimation, three years is much better than eight.

In the last month, I came pretty close to paying off $200. I paid $185 on the last statement. The minimum was $81. My debt is now below $8,000. I could have paid another $45, but I scheduled it to go on the next statement for cash flow purposes. I hope that I can get into the $7,700 range by the time the next statement closing date rolls around.

Keep Up With My Progress

If you’d like to help me achieve my goal of paying off debt with no expense to yourself, you can make your purchases from Amazon through the link below. You’ll pay the same as you normally would, and I’ll get a small commission. Just click the image below:

You can also sign up for the following sites and start to earn points that can lead to PayPal cash, Amazon cards, or even Bitcoin.

GiftHulk (I’ll earn $0.10 if you sign up)
Earnably (I’ll earn either $0.02 or $0.10 if you sign up, depending upon where you live)
Swagbucks (I’ve earned more than $2,000 from this site, and it’s my favorite. I don’t earn a bonus if you sign up, only if you actually earn.)

Earnably

Don’t feel obligated to sign up for anything you see on the site. I appreciate people who just stop by to read and/or comment.

How are you using side hustles in your goal of paying off debt? Let me know in the comments.

Sign Up For Updates

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m now closing in on 350 followers, and I appreciate the support.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so.  Just click on the “Share This” link at the bottom of this post!

Disclaimer: This site has affiliate links. If you sign up with one of these affiliate links, I may earn compensation. I appreciate any support you might provide.