Drive for Uber or Lyft.

If you’re strapped for cash but want to work on your own schedule, you might want to consider becoming a driver for Uber or Lyft. You can drive as much (or as little) as you want and set your own schedule. Of course, the amount of money you make depends on your location and how often you cart people around. So if you have a free Saturday every now and then, you might want to spend it as a glorified taxi driver exploring your city and getting paid for it.

Become a food delivery driver.

With social distancing guidelines, a lot of restaurants have limited seating. So what’s that mean? More take out! Become a hero by delivering food to front porches in your city. Driving for Uber Eats, Grubhub or Postmates is a great way to make extra money in your free time just by delivering food to hungry clients.

Join a focus group.

If you like sharing your opinion, why not get paid for it? Check to see if there’s a local focus group in your area or online. You could earn cash just for doing taste tests or trying out different products. Just make sure you fit the demographic they’re looking for before applying.

Deliver groceries.

If you love the thrill of shopping but don’t want to spend your own money, this might interest you. With Shipt, you get paid to shop and deliver groceries to clients through an on-demand service. According to the company, their shoppers make up to $22 an hour!

Take up babysitting.

It’s one of the easiest ways to make extra money! All you have to do is babysit for just a couple nights a week. Most parents are always eager to have a date night, but sometimes, finding a sitter they trust can be tricky. Let people know you’d be happy to watch their children in your spare time (they need to pay you, of course). And if it’s a little awkward for you to spread the news by word of mouth, you can always sign up for a service like Sittercity or Care.com to help you land some babysitting jobs.

Start pet sitting.

Are you an animal lover at heart? How about making some extra money just by taking a dog for a walk or boarding a cat for the weekend? You can advertise your own pet-sitting business on social media, put up signs throughout your neighborhood, or use a website like Rover.They let you set your schedule and adjust your fees as you want. If you do use Rover, keep in mind that they take a cut of what you make.

Sell unwanted stuff.

Sift through your hall closet, attic and garage for everything you don’t use anymore. What can you live without? Of course, you can always sell items on tried-and-true sites like eBay and Craigslist. But don’t forget about apps like OfferUp, VarageSale, Poshmark, thredUP and Facebook Marketplace that make it even easier to make extra money by selling secondhand stuff.

Rent your belongings.

The popular renting company Fat Llama (we know) lets you rent out nearly any of your belongings! Some of the most in-demand items are camera equipment, projectors, lighting and audio equipment. So if you’re a photographer, videographer or just a tech-gadget-lover, you might make a good amount. But remember, you can rent out nearly anything—even your lawn mower. . .or tractor. . .or scooter. Who knew? ~Source: ramseysolutions.com

The post How to Make Extra Money appeared first on Concord Management Blog.

1. Personal Contacts

Many jobs are never advertised. People get them by talking to friends, and others who know of an opening. The people you know may be some of the most effective resources for your search.

2. Employers

Directly contacting employers is one of the most successful means of job hunting. Web sites and business directories can tell you how to apply for a position or whom to contact.

3. Internet Resources

The internet includes many job hunting sites with job listings. To find good prospects, begin with an Internet search using keywords related to the job you want.

4. State Employment Service Offices

State employment services help job seekers to find jobs and help employers to find qualified workers at no cost to either. To find an office nearest you, go online to State Workforce Agencies.

5. Federal Government

Information on obtaining a position with the Federal Government is available through USAJOBS, the Federal Government's official employment information system. This resource for locating and applying for job opportunities can be accessed through the internet at www.usajobs.gov.

6. Community Agencies

Many nonprofit organizations, including religious institutions and vocational rehabilitation agencies, offer counseling, career development, and job placement services. Generally targeted are particular groups such as; women, youths, minorities, or older workers.

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Buy for Next Christmas
Seasonal items like holiday kitchenware and decorations will have the deepest discounts. If you ran out of gift wrap or cards this year, stock up for next year when these items go on sale for 75% off. Buy discounted solid colored wrap to use on other gifts throughout the year. Holiday fabric for tablecloths and next year's craft projects is also a good deal. 

Buy Gifts Year Round 
Shop after Christmas sales for gifts to give to your loved ones on their birthdays, anniversaries, etc. Make a note on the New Year's calendar that you already have a gift for their birthday. Don't buy what you don't need, even if it's on sale- if you don't need another set of lights, don't buy them. Pass on items that are still over-priced or not useful. Buying what you don't need is never frugal. 

Grocery Stores 
Shop for items such as colored plastic wrap, baggies or anything with festive prints. Stock up on kids' cereals, cookies, or snacks that have holiday packaging. 
Your children won't know the difference!

Your Local Thrift Stores 
Thrift stores see an influx of goods this time of year, due to people wanting to claim their tax deductions before the year is over. Stores see a surplus of donations and a slow-down of shoppers … the perfect time to shop! 

Before You Buy … 
Examine sales items carefully. After being handled by many Christmas shoppers, some items may show their wear … make sure they are not damaged. This is especially important if irregulars are mixed in with the clearance sales. 

The post Post-Holiday Bargains appeared first on Concord Management Blog.

1. Food and grocery habits– The thing that we all need to survive- food. Also, it’s the thing that can break our wallets if we’re not being smart on our choices. The biggest way to throw away money is by eating out at restaurants. Of course, we all deserve our moments of going out and enjoying a nice meal, but be mindful of how often you’re doing it and how much you’re spending. Chances are, that $15 cheeseburger you just ordered can be made at home after spending a good $5. Make a list of everything you need at the grocery store, check the sales for that week, download money saving apps like Ibotta, and opt for the generic brands rather than the more expensive name brands. Instead of buying coffee in the morning, just make a cup at home. Pack your lunch to work instead of going out. Saving a little every day in the present goes a long way in the future.
2. Keep track of your expenses– Once you analyze your expenses and where all your money goes, take those statistics and try to lower them where you can. There are plenty of great budgeting and financial tracking apps that can help track your expenses and lower your monthly spending. Seeing physical data of how much money you are throwing away at Chili’s every week or the money you’re wasting on subscription services you don’t use can be the push that it takes for you to make the necessary adjustment to your spending habits.
3. Put money into a savings account– You should aim to save 10-15 percent of your income. You never know when that money can come in handy one day, so it is important to start saving now. It is also important to find a savings account that accrues interest over time with minimal fees, so your account can grow even more when you aren’t adding money to it. Make sure to set short term and long term goals as well.
4. Pay off debts– Sounds pretty obvious, but the fastest way to pay off debt is with the snowball method, which is where you pay off your debts in order from smallest to largest. Once you have your debts paid off, putting money into a savings will be the easiest thing you do.
5. Lower your energy bills– Turn off lights and appliances when not in use, use energy efficient lights, and keep your air conditioning at the highest temperature that is comfortable for you on the hot summer days, and coldest you can handle on the colder winter days.

There are plenty of more ways you can start your money saving journey, but these are just some of the ways you can jumpstart into habits that can ultimately make the rest of your life a lot less stressful when it comes to finances. So what are you waiting for? Go pack that lunch and open up that savings account! You’ll thank us later.

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