7 Steps to Get Rid of Your Financial Stress Once & For All

7 Steps to Get Rid of Your Financial Stress Once & For All

Financial stress and anxiety affect millions of people. No matter how much, or how little, money you make, you have probably felt financial stress at some point in your life. It doesn’t matter how well you think you’ve planned (or haven’t), things can happen that cause you stress or anxiety.

Chances are you’ve had to deal with one of these situations:

  • Your income dropped and now you can’t pay your bills.
  • There was an unexpected expense that drained your savings.
  • The debts keep building up and you can’t pay them down.
  • You have had a medical issue and insurance did not cover it.

If you’ve dealt with one or all of these scenarios, you’re not alone. Thousands of Americans are in the same situation. They move from one stressful financial situation to another — or juggle many of them at the same time.

The reasons for financial stress differ for all of us, but the way to overcome it is the same.

1. Talk About It

The No. 1 mistake people make when they stress about anything is to avoid it. There is this belief that if you don’t talk about or address it, then it is not true. If you do this, though, the situation will get worse.

You need to look directly at the financial situation causing you stress. It can help to write it down, along with ideas that might make it better. If you are in a relationship, talk to your spouse or partner about it.

Whatever you do, don’t ignore it. It won’t go away on its own.

2. Review Your Budget

If you have a budget, refer to it to see what can be changed. Is there a spending category you can eliminate? Maybe you can reduce your spending until you address your financial situation.

If you do not have a budget, start there. Even if you are broke, you still need a budget. Your budget is a financial roadmap. It guides you to make the right spending choices and to see where your money goes.

Reviewing your budget helps identify what works and what doesn’t. You should check your budget at least once a month so you always know where you are going, and where you’ve been.

3. Make More Money

Your stress may mean it is time to change careers or jobs, or that you need to find ways to bring in more money. There are many ways you can work from home and make more money. You just have to find the right niche.

4. Comparison Shop

If you need to make a major purchase, don’t run down the street to the closest store to make your purchase. Research the item you want. Read reviews and check prices.

Once you know which item you want, visit your store to buy it. You might be able to price match to get the best deal or even negotiate the price, especially if you use cash.

5. Get Rid of Your Debt

Debt is one of the main reasons people have financial stress. Whether your debt is the result of overspending or life tossing obstacles your way it can be easy to get in over your head.

Taking steps to get out of debt can improve your financial stress. It will not be easy. I know this because I’ve been in your shoes. However, if you can put together a plan and begin making progress toward your goals, you will find your financial stress is reduced, or possibly eliminated. (Remember, keeping your debt under control can also improve your credit standing, which can save you thousands over your lifetime Find out where your credit stands by getting your two free credit scores on Credit.com.)

6. Seek Professional Help

If your financial situation is really bad, it may be time to seek professional help. You may want to consult a financial planner if you stress over saving for college or retirement.

Asking for help does not make you weak. It shows you are smart. If you needed surgery, you would not perform it on yourself. You would find a surgeon. The same is true with your finances.

7. Set Goals

Decide what you want from your finances. Make a vision board, or post an image of your goal where you will see it every day. When you can visualize your goals, and see them in front of you, they become real. They are no longer a thought in the back of your mind. Seeing your goals in front of you can keep you focused.

For example, when I was working on paying off my debt, I had a paper on the refrigerator with a total amount owed on it. As we made payments, I updated it. It was in front of my face every day. I could see how much we owed, but more than that, I was able to see our progress as I watched the balance drop.

No matter what causes you financial stress and anxiety, there are things you can do to overcome it. You need to first take ownership and then take the necessary steps forward.

The post 7 Steps to Get Rid of Your Financial Stress Once & For All appeared first on Credit.com.

 

Reduce Your Car Insurance Cost with These 9 Tips

Reduce Your Car Insurance Cost with These 9 Tips

Want to cut car insurance costs – then follow these tips and save.

Drive Fewer Miles

Since insurance policies are typically based in part on the number of miles driven each year, consider cutting back on your driving to qualify for lower rates.

Pay Your Bill Annually

Making monthly payments on your insurance policy is a convenient option, but if you can afford to make one payment each year, you will save money because one-time annual rates are typically lower than they are when you pay monthly.

In many cases, the savings can be quite significant, so if possible, try to figure out ways to come up with a one-time payment. An example would be using a zero interest credit card to make this payment. By doing so, you will still be able to make monthly payments only instead of sending them to the insurance company you will be sending them to the credit card company. If you go this route, be sure you pay off your credit card before the zero interest period ends, otherwise, you’ll be hit with interest charges that will likely erase any savings you get from paying your insurance on an annual basis.

Security Improvements

Many insurance companies offer discounts when people make security improvements to their vehicle, but check with your insurer first before investing in these improvements to make sure the reduction in policy cost is worth the cost of these improvements. Some improvements to consider are car alarms, wheel locking nuts, and electronic immobilizers.

Choose a Higher Voluntary Excess

Opting for a higher voluntary excess ultimately results in less money coming out of your insurer’s pockets which allows them to offer you a policy at a lower price. However, make sure you can cover this increase should a problem arise, otherwise you may not be able to get your car back from the garage until you do.

Avoid Making Unnecessary Claims

By not making claims, you may qualify for discounts that can be used to reduce the cost of your policy.

Packaged Products

Be sure to do your due diligence before considering any available add-ons offered by your insurer. This is especially important when it comes to policy add-ons.

These add-ons are used by insurers to increase their profits and in many cases are unnecessary or may be covered already by other sources.

Some of these add-ons include legal assistance, roadside assistance, and windscreen cover, so just make sure you need these items before agreeing to purchase them.

Breakdown cover is one of the more common add-ons and it’s also a confusing one for car owners when it is combined with car insurance. Check out our packaged breakdown cover article to see how you can save a lot of money here if you make the correct choice.

Coverage Type Considerations

If you’re driving an inexpensive older car of little value, it may be cheaper to purchase a fire and theft policy from a third-party instead of a comprehensive policy from your insurer.

Just keep in mind that these third-party options will have limited coverage and may not provide the coverage level you need at a price that makes sense, so do your research first.  Check out these guys for research – www.moneyexpert.com/car-insurance/

Take Care with Parking

You should try to park your car in a driveway or in a garage if these options are available. By keeping your car off the road you reduce the chances of it being stolen or vandalized. You can learn more in our overnight parking & car insurance section.

Extra Drivers Add Up

Your insurance premiums can increase significantly by adding additional drivers to your policy. Adding one driver may not have much of an effect on your policy, but once you start adding others the cost will likely go up, and this increase can be substantial.

If you must have multiple drivers on your policy, try to limit those drivers to folks over 25. Drivers under 25 will cause your premium to increase.

Thinking About Refinancing Your Auto Loan? Read This First

Thinking About Refinancing Your Auto Loan? Read This First

Years ago I made arrangements to refinance my auto loan. There were pros and cons to it which I wish I had known about before I signed the paperwork. I wanted lower car payments so I made the leap without all the information I could have gathered if I did more homework. My interest rate was lower but it added a year to my loan. I ended up paying more than if I had kept my old loan. If you are thinking about refinancing your car loan keep reading to get more insight into the process and what you should consider.

Is it a Good Idea to Refinance Your Auto Loan?

What does it mean to refinance your car? It means that you can get a new loan with lower interest rate and have a new payment amount. This is great if you got a loan one that was initially at high interest. Now you are in a position because your credit has improved to get a loan that’s a lower interest rate.

What are some of the factors that are included when you are ready to refinance your car?

Your Credit Report or Score

If your credit score was not the best when you bought your car you may have a higher interest rate than you wanted. But now things have changed. You’ve cleaned up your credit, you have payment history, and a few things have dropped off your report. With an increased credit score you may qualify for a lower interest rate. Refinancing may be a good option for you.

Your Financial Institution Refinancing Guidelines

If you decide you want to refinance, it may be tempting to use your current finance company. Before you do that, do a little shopping around to see if you can get a better rate than what your finance company is quoting you. Keep in mind the criteria may be different for each company. If you want to increase your odds of getting a better loan with better terms without all the running around check out rateGenius. They have a nationwide network of over 150 lenders who compete to get you the best rate.

Time Remaining on Your Car Loan

Another factor to consider when you are thinking about refinancing is the time remaining on your loan. If you have over three years left it might be a good idea to refinance. However, if you have less than three years then it might be wise to just stick with your payments, pay on the principle to pay it down faster, or pay it in a lump sum. Refinancing at this stage may add more time and money to the end of your loan.

Value of Your Car

How much is the car worth? Financial companies look at this when they are considering whether to refinance your car loan or not. If you are upside down on your loan; you owe more than the car is worth, then you will likely not be able to get a loan.

Refinancing your car requires good timing, improved credit score, and doing your homework. There are risks involved including adding more years and more money on the loan even if the interest rate is lower. If you are confident you have all the information to make a good decision then go ahead and refinance your car.

[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.

11 Kid Entrepreneurs You and the Shark Tank Should Watch in Business

11 Kid Entrepreneurs You and the Shark Tank Should Watch in Business

Business is the status quo for adults but when it comes to kid entrepreneurs, we love hearing about them doing big things. I wanted to highlight extraordinary children who have started a business and have set out to change the world. They are making a difference in the community and influencing other kids around them.

This is just the beginning of my Kids in Business posts. I plan to highlight them at least once a quarter. If you have a kid in business, submit them here and perhaps they will show up on this list.

In the spirit of being supportive, be sure to click on their website and social media links to buy their products and follow them too!

KidNewsMaker

Media outlet by an award-winning kid reporter with a print magazine, videos, and app on the way.

About Kidpreneur Alejandra Stack

Alejandra Stack is an award-winning journalist, speaker, and activist. She’s the NAACP Youth Council President, an actress, and daughter of a reporter who started her media outlet after seeing that kids were not being highlighted in her local paper. While she has interviewed celebrities, she prefers highlighting everyday kidprenuers, community helps, scholars, athletes and more. “We’re not waiting, we’re creating!”

Kidpreneur Website

Visit www.kidnewsmaker.com to learn more about the magazine and order a subscription for your kids.

Kidpreneur Social Media

Twitter | Facebook | YouTube | Instagram  


 

Destiny Adams International

Destiny provides fun educational & interactive workshops & classes to youth by teaching them how to code. Coding is a fundamental skill within Computer Science. It is the “language” of technology & the foundation of our world.

About Kidpreneur Destiny Adams

Destiny is a budding teen Entrepreneur! She aspires to be a Computer Scientist. She has traveled around the world locally & internationally teaching & studying Steam (Coding). Her passion to help others learn this vital skill. She is excited about her future mission & future!

Kidpreneur Website

Coming 1/1/2018

Kidpreneur Social Media

Facebook | Instagram | LinkedIn


 

Dream Big Podcast

About Kidpreneur Eva Karpman

Kidpreneur Website

Visit http://dreambigpodcast.com/ to listen to the latest episodes by Eva and her mom.

Kidpreneur Social Media

Facebook | Instagram | Twitter | YouTube


 

Mia’s Treats Delight

Mia’s Treats Delight provides homemade baked goods all made with love. Cookies, brownies, and cupcakes can be purchased for events or for your own personal consumption. 🤗

Cookie prices (sold by the dozen)—> Classic Chocolate Chip Cookies: $11 Specialty Cookies: $15 *Brownie prices (sold by the pan)—-> Regular Brownies: $12 Specialty Brownies: $15 *Cupcake prices—-> Basic (yellow & chocolate): 1/2 dozen – $11 1 dozen – $21 Specialty: 1/2 dozen: $15 1 dozen: $24

About Kidpreneur Tamia Hawkins

Tamia, founder & CEO of Mia’s Treats Delight, is an 11 year old baker from St. Louis, MO. She started her business in 2015 at the young age of 8 years old. She’s always had a love for baking, but decided to take it to the next level by becoming an entrepreneur and being her own boss.

Kidpreneur Social Media

Facebook | Instagram


 

Daddy’s Girl Author

Daddy’s Girl is a book based on a true story. It’s about a tough time in Jakayla’s life when her parents separated and her Daddy moved out of the home. Moms and Dads are not the only ones going through a separation when the family unit is broken. It is also a tough time for the children. Jakayla writes about how she was able to cope with the help of Daddy-Daughter Dates. This book will help any child who may be going through parent separation or divorce.

About Kidpreneur Jakayla Green

Jakayla Green is the 9 year old author of Daddy’s Girl. She is a straight A student in the 3rd grade. She is from Bennettsville, SC, but currently resides in Columbia, SC. Jakayla is the host of Kayla’s Korner on Jojo’s PersonaliTV and also serves as an assistant creative director and co-host for other shows on Jojo’s PersonaliTV. Jakayla is an avid reader. One of her favorite things to do is to read to her baby brother, JJ. She is also an award-winning track star with SC Express. When Jakayla grows up, she wants to become a scientist and an artist. She is the daughter of Jason and Tamell Green and has one older sister, Jasiya and a baby brother, JJ.

Kidpreneur Website

Visit https://www.jakaylamgreen.com to learn more about her book and purchase a copy for your child or another child.

Kidpreneur Social Media

Facebook | Instagram


 

Precious Designs TX

Precious Designs is a redesign and refurbishing home furnishings company (pillows, trays and vases collections). Additionally, the kidCEO owner, Jasmine Benton, also offers design upgrades for chairs and ottomans, along with special event design services.  She is also an Amazon.com Best Selling co-Author, as a contributor to newly published book, KidCEO.

About Kidpreneur Jasmine Benton

Jasmine Benton started her business at the age of 11 by opening her own retail home furnishings center in the Allen Antique Mall in Allen, Texas. Her work has been seen on Steve Harvey Show and she was the youngest professional to intern with HGTV’s Mikel Welch, former designer for Steve Harvey Show and the Obama’s. Jasmine is a speaker and Best Selling Author, Certified STEMpreneur, and Credentialed Interior Decorator.

Kidpreneur Website

Visit https://PDesignsTX.com to learn more about this interior decorating service and to be inspired. To purchase Jasmine’s book, please head over to Amazon.com to purchase KidCEO for $19.99.

Kidpreneur Social Media

Twitter | Facebook | Instagram


 

K-lock

K-lock is an identification locket custom designed and personalized to prevent misidentification of children in schools and daycare. Lockets are $10 other items $2 and up.

About Kidpreneur Kennedi Harris

Starting this business helped Kennedi cope with the effects of being misplaced and having a total mistrust of the school system. It took her mind away from things as she enjoyed adding a personal touch to each product. K-lock also has African American dolls coming soon. K-lock’s inception began when Kennedi was misplaced by school officials due to a mix up in names. She created these lockets to properly identify kids in school, daycares and on field trips. She also has signature t-shirts, hats, lip balm, and lotions.

Kidpreneur Website

Visit the K-lock website to learn more about the safety lock system for kids.

Kidpreneur Social Media

Twitter | Facebook | Instagram | YouTube


 

Soap and Soothe by Jammy Girl, LLC

A line of soap, sugar scrubs, lip balm, lip scrubs, body butter, liquid soap and the much-coveted bath bombs and bubble bars created by Zori Thomas.

About Kidpreneur Zori Thomas aka Jammy Girl

Zori, a 13-year-old entrepreneur, has been in business since she was 11 years old making bath and beauty products and recently designed her own pajama line. She calls herself “Jammy Girl” because she likes to make products while in her “Studio Only” pajamas. She was adopted when she was 5 months old and suffers from a learning disability and severe anxiety. While looking for an activity to help her cope with these issues, she discovered the art of soap making and eventually turned her hobby into a business. Her mission is to inspire others to Choose greatness and Crush life’s obstacles while feeling confident in the skin they’re in.

Kidpreneur Website

Visit www.Jammygirl.net to learn more about Zori’s products.

Kidpreneur Social Media

Facebook | Instagram | YouTube


 

Joy’s Yummy Cupcakes by Delphine

Delphine makes cupcakes made from scratch and is the author of Kid-trepeneur

About Kidpreneur Delphine N. Dauphin

Delphine is an 8-year-old entrepreneur and published author. She is making a difference in her community by sharing success tools to her peers. She was a panelist at the Miami Book Fair on kid-trepreneurship. She is a princess and Pearl Ambassador.

Kidpreneur Website

Visit www.princessdelphine.com to learn more about Delphine’s cupcakes and order some for your special occasions.

Kidpreneur Social Media

Facebook


 

Bubbly Bricks and Beyond

Bubbly Bricks and Beyond is a Soaps and Fragrance Satchels company started by Xavier Morgan. Xavier makes fun, playful, and practical soaps and fragrance satchels. The soaps are shaped like Lego Bricks and Minifigures. They come in a rainbow of colors. What makes his bricks different is that he invented a way for you to play with and stack the bricks. Now when you take your bath you can use his soap to get clean and you can build something great all at the same time. He also makes superhero soap for men. The superhero soap is designed using the different superhero logos. The superhero soaps have a special fragrance for men.

Finally, are his fragrance satchels. You can hang these up anywhere. In the bathroom, in your car, in your gym bag, even in your shoes. His fragrance satchels go anywhere you want to smell fresh. Coming up in the soap collection are more superheroes and characters. What makes Xavier’s soaps stand out is that he also created a toy with which kids can play. Parent’s can use the soaps and the satchels to decorate their homes. This is an inexpensive way to get your kids to take a bath and give them a toy. Everyone will love Bubbly Bricks and Beyond’s products because it all smells so good!

About Kidpreneur Xavier Morgan

Xavier is aspiring to become an engineer. He loves to put together puzzles and build with bricks in his spare time. He has mastered putting together most 150 pieces in 15-25 minutes. Recently, he decided to turn his hobby into a business and become an entrepreneur. Xavier is a 3rd-grade student living with his mother in Georgia.

Kidpreneur Website

Visit www.bubblybricksandbeyond.com to see all the design and fragrance choices. The price ranges from $5 – $15

Kidpreneur Social Media

Twitter | Facebook | Instagram


 

The Dream Chasers

The Dream Chasers is a Kids investment club started by Chase Robinson-Simmons. Chase is smart about her money. She loves to save and invest in stocks. She recently just saved over $544 and purchased 3 quarter candy vending machines.

About Kidpreneur Chase Robinson-Simmons

Chase is smart about her money. She loves to save and invest in stocks. She recently just saved over $544 and purchased 3 quarter candy vending machines.

Kidpreneur Website

Coming Soon

Kidpreneur Social Media

Twitter | Facebook | Instagram | YouTube


 

The Two & Fro Clothing Co.

A Unique Afrocentric and empowering clothing, shoes and accessories line created by sisters Madiah & Maliah.

About Kidpreneur Madiah & Maliah

Owned and operated by 14 and 16 y/o sisters who love martial arts, reading, fashion and rocking their natural hair. Their two unique styles are reflected in their one-of-a-kind designs.

Kidpreneur Website

Check out and order their merchandise at www.TwoAndFro.co. Prices start at $18+

Kidpreneur Social Media

Facebook | Instagram

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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 as a single mom 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 or Door Dash 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 or Door Dash 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 are 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 must 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 Year’s 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 is 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 it on your page or in local business groups on Facebook and 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.