[Video Tutorial] How to Download and Make Extra Money with Dosh (Cashback App)

[Video Tutorial] How to Download and Make Extra Money with Dosh (Cashback App)

There are multiple ways to increase your wealth either passively or actively and either with money or time. Here are three ways to add a little (or lot) of moola to your bank account.

Stash Investing

If you have been thinking about getting into investing check out Stash. It’s an app that lets you invest as little as $5 for stock like Disney, Facebook, and Apple. Click the button below to get it.

Get Stash

Fiverr Gigs

Make extra money with Fiverr just by offering a product or service to people who want it. It’s an easy side hustle to start because it doesn’t cost you anything but time and talent. Click the button below to sign up.

Start Fiverr-ing

Dosh CashBack

Passive income is easy with the Dosh App. You get money back when you shop, eat, or sleep at a hotel. I wish I had this a few months ago. You don’t have to do anything other than use your debit or credit card. Easy!

Download Dosh

Download the Dosh App from the Apple Store or the Google Play store by clicking this Dosh App link. I receive a referral fee for sharing this app with you, which helps me continue to bring great content to you.

7 Strategies to Win With Blog and Social Media Influencers

7 Strategies to Win With Blog and Social Media Influencers

Over the last 10 years, I’ve been a blogger in the mom blog/ lifestyle/ personal finance space. My reach is 100k+ across multiple networks. Not massive but not miniature either. I am the first single mom money blogger and I’ve worked with big and small brands on various campaigns.

I get email pitches every day that end up in the trash. Why? Because their pitches are self-serving trash! Yes, it sounds harsh but at the end of the day, I have to protect the integrity of the blog I built with blood, sweat, and tears. I also want to win too. Free stuff doesn’t pay my bills. #sorrynotsorry

FYI… Bloggers are not the same as journalist. We don’t get paid by a boss. We are the boss so we gotta make those coins too through paid promotions, placement, and advertising. Now that you have this background let me share my

7 Strategies to Win With Blog and Social Media Influencers

1. Start with knowing their name and niche.

Everyone loves the sound of their own name so, “Dear Mommy Blogger” gets trashed because you didn’t bother to find out my name. Does your Depend Underwear remotely fit with my makeup and lash blog? Umm, no! Know my niche before you pitch or your email gets ditched. 🤷🏽‍♀️

2. Offer value to them and their readers.

Remember the universal principle of WIFM (what’s in it for me?). It’s a real thing because nobody really cares about your product until you care about them.

3. Make their life easier.

Be clear about how you’d like to work together. It makes my brain hurt trying to figure out ambiguous emails. Spell it out. Be direct. If you reach second base, send what they ask for, respond within 24 hours, pay on time, read the guidelines.

4. Have a budget or irresistible offer (be prepared to pay to play).

It’s the reality of business. All serious businesses pay for promotion, right? Do you give your products and services for free as a business model? You’d be out of business in 6 months.

5. Promote the write-up.

Sharing on social media after you get a shoutout is the professional thing to do. You get extra points for adding my blog logo with link to the article to your, “As Seen On” section or media page.

6. Don’t expect free promotion (sorry I have to spell it out).

What have you done for me lately that entitles you to a free ride on the gravy train? 🤔 You have to pay to play outchea in these streets. You never know what $50-$150 can get you. Come with a check in hand instead of looking for a hand out. #thatisnotsexy

7. Make sure your product or service Educates. Inspires. Empowers.

If you give these things the money will follow because you gave the readers life-changing value. If it’s self-serving it gets passed over.

Educate a consumer and you gain a customer so teach them, give them advice, make their lives better. They will gladly buy your product because you showed them how it solves their problem. Understand?

Bonus: Build a relationship

Bloggers can be your biggest/ best advocates. Follow up. Work with them again. Use their services (writing, marketing, design, etc.). It might be a match made in heaven.

I hope this was helpful and gives you insight into working with Influencers.

It’s not rocket science so don’t complicate the process.

👉 I’m putting together a resource to help you even more. If you would like it, click the link below to tell me more about your business and I’ll send it to you when it’s ready. 😘 RichSingleMomma.com/influencers

10 Ways Divorce can Affect your Credit

10 Ways Divorce can Affect your Credit

As nearly half of the American population already knows, divorce is a difficult, emotional process to go through. This difficulty can be compounded depending on the number of years a couple has been together, the dollar amount of their acquired assets, and whether or not they have any children.

Divorce can also have an impact on your credit, though the proceedings themselves are not the reason for this. In other words, couples shouldn’t expect their credit scores to plummet the second they file for divorce. However, there are things that occur during divorce that can have a negative impact on credit. Here are 10 ways in which a divorce could affect your credit score:

Having to refinance your home
In order to move a property into one person’s name, it may be necessary to refinance your mortgage. As with any refinance situation, this will require a hard credit inquiry, and may also potentially add a great deal of new debt for one person.

The splitting of the debt was uneven
When assets are divided, one person may get to take more of the income, property, or assets, but also more of the debt. It all just depends on how the debt is divided.

Going from two incomes to one
If possible, it’s helpful to examine finances before a divorce and determine new budgets for both parties, so as to avoid falling behind on any bills or payments. Many divorced individuals report that losing another person’s income made the single greatest impact on them financially. Setting up a new budget early on can help avoid this issue.

Not disclosing all debt during the proceedings
At some point during the divorce process, both parties are required to disclose their financial accounts. However, as former spouses sometimes learn, not everyone is truthful about these assets. Running a credit report is the best way to ensure you’re aware of every account bearing your name.

One party doesn’t pay his or her agreed-upon share
Most courts are willing to work with couples to help them discuss and agree on a payment plan for shared assets, such as a home or any jointly-owned property.

One party still has access to the other party’s accounts
In the event that divorcing spouses do not split their joint accounts, both parties will still be responsible for any additional charges. It’s best to split any joint accounts as soon as possible.

Credit limits are decreased
Many creditors regularly check up on their clients to see if there has been a salary change, and most credit card agreements state that limits can be decreased at the creditor’s discretion. If one spouse was making more money than the other, and the accounts are separated, a credit card company can choose to lower the limits for one or both spouses. This can, in turn, affect credit scores, as well as catapult credit card holders to their maximum limits very quickly.

The divorce turns ugly
While no one enjoys going through divorce, the best solution is to try and remain civil to one another, lowering the risk of spouses doing financial harm to one another out of spite.

There is confusion over the divorce decree
People can often be confused about their financial responsibility as stated in the divorce decree. If you are unsure of where you stand or what you must pay, consult your attorney, family court facilitator, or mediator.

Spouses don’t work together
Sometimes, electric bills can be overlooked or go unpaid. Keeping the divorce process as amicable as possible helps parties communicate with one another over their shared financial responsibility after the households have been completely separated. Working together ensures everyone’s credit remains in good standing.

The post 10 Ways Divorce can Affect your Credit appeared first on Credit.com.

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Goodbye Broke Hello Prosperity

Goodbye Broke Hello Prosperity

This is was my mantra that changed my life back in 2012. I was tired of being broke and feeling like I would never see the light of day when it came to financial freedom. But this phase came to my mind when I started the journey of freeing my mind from old beliefs and embracing a new way of thinking.

For some people, it’s not an issue to think wealth, prosperity, or abundance, but for me, it was a challenge. For my entire life, all I knew was lack and limitation. I didn’t know that I was allowed to think differently, to expect plenty, or that I could dare hope to be wealthy.

The process of changing my mindset was long. Sometimes I still fall back into old thinking but I quickly recover. What helped me was my love of research and reading coupled with problem-solving.

Being Poor and/or Broke is a Problem

You see, being poor was a problem. It was stressful, embarrassing, and no fun at all! When my friends wanted to go on trips or just out for a simple meal I had to make excuses for why I couldn’t go or pinch pennies to make it happen. It was deeply stressful and I hated every minute of it, but I felt trapped by my upbringing and the religious voices in my head that said, “It’s easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of heaven”. Words straight from the bible that had me suck in a rut of poverty mentality.

I later learned that scripture was misquoted to keep people in bondage to fear and scarcity. I was tired and I wanted to be free so I began my quest to find the truth about wealth and prosperity. I read books I never thought I’d read in a million years. I listened to audio books and watched YouTube videos. I had to find the answers I was seeking.

I came across books like The Science of Getting Rich, Think and Grow Rich, The Dynamic Laws of Prosperity, and so many more. I read them all and my mind began to shift. I stopped believing I was born to be poor and began believing I was born to be rich! Goodbye Broke. Hello Prosperity!!!

I’ve decided that I want to help my friends adopt the same mantra that I did a few years ago. It transformed my life so now I don’t scrape by and pinch pennies anymore. It’s not necessary. I’m living a good life and growing prosperous every day. I went from broke to blessed in my mind first, then in my bank account. I don’t struggle with bills, giving my kids what they need, or helping others. (Did you see my Cash App Giveaway on Instagram Thanksgiving week?)

Go From Broke to Blessed!

When you decide to say, Goodbye Broke. Hello Prosperity!,

  • You can finally pay all the bills and have more money at the end of the month. Pssst…It’s called residual income.
  • You can invest in Bitcoin or the stock market like I have.
  • You can take the vacations you’ve always wanted to go on.
  • You can fix your credit and increase your score so you can buy a house or new care.
  • You can finally sleep at night because you are not worried about how you are going to make ends meet.

How? Join my mastermind group and get all the tools you need to go from broke to blessed.

The Goodbye Broke. Hello Prosperity! Mastermind

The Goodbye Broke. Hello Prosperity! Mastermind is created for you. You will be connected to women who are in the same boat; learning and growing just like you. You will have the support, encouragement, and accountability to release your old way of think and begin thinking in a new way.

Who this Mastermind isn’t for…

This mastermind is not for everyone. If you prefer complaining, are happy where you are, skeptical, or messy, this mastermind is not for you. If you are afraid to take a risk on your life, afraid of changing the status quo, stuck in a depressed state, or are having trouble letting go of the past it’s not the time for you to join.

Who this Mastermind is for…

But if you are actively searching for change, you want to learn and grow, you feel a call to something better, you’ve invested in a course or program in the last two years, you are willing to show up and do the work, and you have hidden talents you want to exploit, then this mastermind is for you.

You will get access to videos, live sessions with me, and resources that will help you fix your finances, plug any leaks, update your skills, and put you on the path to six-figures or more.

When does it begin?

This is a year-long program that begins January 14, 2018. We will start with a Financial Vision Board Party to create a picture of what you want your financial life to be by the end of the year. It is a powerful exercise you will use over and over again for other parts of your life including love, health, and career.

Are you ready to get started? This program can easily go for $2500 or even $5000 because the content alone will set you up for success for the rest of your life. But I want it to be accessible to single moms who need a break. Believe me, I’ve been there so I know the struggle sometimes. But I also want it to feel like a true investment so you feel the incentive to do the work too! I’ve paid thousands for programs because I wanted the value the experts were giving me.

What’s the investment?

Payment plans are available so you can manage the payments each month. This program is $450 for the year for early birds. Yes, you read that correctly. It’s only $450 to become a member of the Goodbye Broke. Hello Prosperity! Mastermind before December 31, 2017. You can do one payment or up to 12 payments ($37.50 monthly).

How do I join this money transformation program?

Select the payment option below to register now. The early bird cart will close at midnight December 31, 2017, so lock in the rate because it will go up to $750 ($62.50 monthly) on January 1, 2018.

I’m excited to have you in the Goodbye Broke Hello Prosperity mastermind group. I know we are going to have fun learning and growing together in 2018 and beyond.

 

Click Your Perfect Option Below to Join the Hello Prosperity Mastermind

10 Ways to Make Extra Money During the Holidays

10 Ways to Make Extra Money During the Holidays

During this time of year, it’s easy to overextend yourself with buying gifts, decorating, and special meals. If you haven’t saved for the Holidays all year long you may be strapped for cash. What if you could make some quick cash to pad your account and come out on the other side of the Holidays debt free? Here are a few ways to make extra money during the holidays or any time of the year. NOTE: Some of the links in this post are affiliate links. I will receive a small referral fee which helps keep this site going and growing for you! 🙂

1. Uber Eats Delivery Driver

People gotta eat right but many are too busy or exhausted from work and after-work holiday shopping to cook. They reach for the phone, open up the Uber Eats app, and order a hot meal for delivery. They are probably in your neighborhood or city which makes it super easy to deliver their food and make extra money a night. If you can go to a restaurant, pick up food, and find an address with a GPS app you can be an Uber Eats delivery driver. You can use your car and it doesn’t matter what year, make, or model it is; unlike what the Ride Share programs require. The great thing about the Uber Eats program is you can take your kids with you so no looking for a babysitter to pay all the money you just made. Deliver with UberEATS and earn on your own schedule.

2. Sell Your old diamond wedding rings

This way to make extra money during the holidays is both cleansing and practical. This is the perfect time to let go of the diamond engagement ring you have been holding on to for so long after your breakup. The holidays can be hard especially after a fresh divorce. It’s even harder years down the road if you get depressed every year around this time. Selling your diamond ring is empowering and releases you to get on with your life. You can also get yourself and your family wonderful gifts that hold a special sentiment or begins a new tradition for your family. If you are ready to begin the process of selling your diamond engagement ring check out Worthy and let them help you get the highest price possible because God knows you’ve earned it after all you have been through!

3. Be an Uber or Lyft driver

The Holidays is a perfect time to be an Uber or Lyft driver. People do not want to fight traffic or parking at the shopping centers so they will pay for a ride in a clean car. Your car. People are also going to the airport, train stations, and bus stations to travel for the holidays. They are going to need a ride so they don’t have to worry about maneuvering through traffic or paying parking fees.  I use Lyft and Uber a lot when I travel and it is such a convenience! You have to have a newer model car and insurance so if you meet the criteria you should sign up. The approval time varies from city to city but it might be worth your while. You will be able to drive any time you want during and after the holidays so this is a legitimate side hustle for making extra money as a single mom.

4. Holiday Prep and/or Clean up service

Holiday prep and cleaning businessjill111 / Pixabay

The holiday parties are in full swing. Why not make some extra cash as a holiday helper? Private homes, caterers, and hotels hire extra help for the pre- and post-holiday party chores. Check out the Task Rabbit app or Craigslist for gigs in your area. You can also place your own ad on Craigslist or other free local papers offering your services.

5. Create and Sell merchandise on Gear Bubble, Sun Frog, or Spreadshirt

If you are a graphic designer or simply have a sarcastic (or funny) wit you can design and sell T-shirts, mugs, and other merchandise online. This is one of my favorite ways to make money. Head over to Gear Bubble, Sun Frog, or Spreadshirt, create an account, then follow the steps to create your designs. You can decide how much you will sell them for and then add them to the marketplace. When your shirt sells you get paid. If people use your design you get paid. It’s a win-win for everyone.

6. Babysitting during holiday parties 

Holiday Babysitting to make extra money | RichSingleMomma.comPlace an ad on Craigslist or create a flyer to post in your local grocery store or bakery. People are going to company parties and New Years Eve parties so they need a reliable childcare service that is available at night. Since you are a mom you are the answer to their prayers. Check out the Care.com website. You can add yourself to the site as a provider and when you include that you do holiday childcare in your profile you could get more opportunities.

jill111 / Pixabay

7. Gift wrapping service

Gift wrapping service to make extra money during holidays | RichSingleMomma.comAre you a fantastic gift wrapper? Use your skills to wrap holiday gifts and get paid. Get gigs at the mall or contract yourself out to bookstores, grocery stores, or corporate offices a few days a week. Busy executives need their gifts wrapped so they don’t look like a complete failure on Christmas morning. Place an ad, call friends, or visit places of business to offer your service. You will need a counter or table to work from, sharp scissors, tape, and a selection of wrapping paper, ribbon and bows.

 

8. Baked goods sales

Baked goods to sell for extra moneyThe smell of baked cookies, cakes, and pies are what makes the holidays special. If you have a gift for baking you can clean up during the holidays. Package your goods and sell them to family, friends, and co-workers who want last minute gifts. You can bake from scratch or from a mix but just don’t buy ready-made baked goods and pass them off as your own. Put the baked items in pretty paper, cellophane, and tins then top it with a bow. Sell it at a higher rate than store bought goods because of the labor and supplies you used to make those yummy treats.

9. Gift Basket sells

If you have a talent for pulling together themed gift items the gift basket business is calling your name. You can make money creating and selling gift baskets of baked goods, spa treatments, movie night, and other themes baskets for people who don’t know what to get their loved ones. Create a sample basket of at least three themes then photograph them. Post your pictures in the Facebook swap and sell groups along with a description and price for the baskets. You can also repeat on your page or in local business groups on Facebook and also on Instagram. If you are feeling adventurous go to car dealerships, and other businesses that have salespeople or caregivers standing around. They will buy from you because it’s one less thing they have to do at the last minute.

10. Donate goods for a tax break

Donate for tax credit extra money in tax refundThis is not exactly a make extra money idea for the holidays but it is a get more money at tax time idea. There is still time to donate clothes, furniture, and kids items to your local charity to get a tax credit. But If you are like me you procrastinate and mess around and don’t get your stuff to the donation center in time. What if there was an app you could use to schedule a donation pick up? The good news is there’s an app for that! You can download and schedule a pickup through the Resupply app. There has never been an easier way to donate your stuff. The best part is the app keeps track of your donations and the value you give it so at tax time you don’t have to remember or gather up scraps of paper you gathered throughout the year. Here is the link to learn more, download the app, and schedule a donation pickup as early as today.

What other ways can you earn extra money during the holiday season? Head over to our Facebook page to share your ideas.