100 dollars a month car

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How Long Takes to Earn First 100 Dollars from Adsense – Simple Calculation

After you have successfully joined the Google Adsense program, the next target for most of us is to reach the payment threshold 100$. When I started blogging and joined Adsense back in 2008, this was the question I asked in so many places on the internet. But I couldn’t find correct answer. Even now, it is difficult to predict and confirm the formula to make your first 100 dollars from Adsense. Because the earning from Adsense is completely different for every blog, topic, traffic source and country of the visitors. I have decided to put a simple formula which may give some ideas to understand how long you may take to earn your first 100 dollars.

UPDATE: I’m updating this post almost after 4 years with the learned lessons and the experience.

Below was the my first check from Google Adsense which took quite long time.

In my experience Google Adsense is one of the best program to make money from blogs till you become pro blogger to create your own product or start affiliate marketing. Getting the first payout 100 dollars is the very painful period for any bloggers. It took 29 months to reach 100 dollars in year 2010 for me ( Yes, I had some gaps in my blogging life), but now in 2014 my Adsense earning is far better.

Ok, Lets go to the point. This is just an average calculation with assumption. None of the Adsense publishers are allowed to publish their details stats like RPM, CPC and CTR publicly which is against Google Adsense TOS.

There are three important factors involved in our below calculation which are CTR ( Click Through Rate), Page CPM( Cost Per Mile). RPM is new factor ( Revenue Per Mile), but we are not going to talk about it here. Each factor directly impact the final Adsense Earnings. We are not considering CTR in this calculation, but I can say if you can increase your current CTR rate, that will boost the final earnings.

So, its all with CPM we are going to take here. Adsense CPM indicates how much you earn from every 1000 page impressions with Adsense ads (no matter how many ads on them)

So, if you earn 5$ from 2500 page impressions, your CPM is,

You earn 2$ from every 1000 impressions.

How Longs Takes to Earn First 100 Dollars From Google Adsense

Here is the point, I can’t tell how much is the best CPM, it completely depends on your blog niche and traffic source.

In my experience and what I read from other blogs, 1.5$ to 2.5$ will be an ordinary CPM currently.

If its less than 1$, then you should improve and concentrate on increasing Google adsense income.

If you are getting around 3$ to 5$ CPM continuously every month, then you doing well, if it is more than 5$, then it is a great CPM rate.

In our case, we will take 2.5$ as average eCPM and to make the calculation easy, we will do it for first 105 dollars.

So, with 2.5$ eCPM to earn 105 dollars, you need 42,000 page impressions.

This figure can be less or more for you, because it depends on type visitors, source of traffic and country of origin which make these impressions.

So, lets go to the next step.

When a visitor visits your blog, he or she checks average 1.5 pages on a blog.

To get 42,000 page impressions, you need 28,000 visitors.

Again, this 28,000 visitors can be from direct, referral, social networking and search engines sources.

Mostly the search engine traffic users (who come from Google, Bing and Yahoo search) will be useful for any CPC programs including Google adsense. Because they are the new users and will possibly click the ads on your website. Your regular visitors and social networking users may not be interested on the ads showing up in your blog.

65% to 75% search engine traffic will be healthy for a blog in my opinion. In this example, we will take 70%.

So, in 28,000 visitors, you need 70% of organic traffic, which is 19,600 visitors

(70/100)*28,000 = 19,600 visitors from Search Engines

Now you can get rough idea based on your average CPM (Also called RPM) and daily search engine traffic to know when you will get the first 100 dollar adsense check.

I have updated few numbers and CPM rates now (compared to previous version of this guide in 2010). Because in my opinion, the potentially of making more money from Google Adsnese has been improved since 2010. There are lot of competitions and bidding among advertisers in Google Adwords market place. That enables bloggers like us to get higher earnings because of higer CPC ( Cost per Click).

If you are getting 100 average daily search engine traffic visitors, then it may take around 6 to 7 months to get your first 100 dollar from adsense.

But one thing, Your blog will not be getting the same 100 daily search engine visitors for next 6 months, it will increase when you update your blog with unique content regularly. So, once you blog properly with correct techniques, then you can reach 19,600 search engine visitors quickly and get your 100 dollars.

Finally, it all depended on your adsense optimization to get high CTR, CPC and CPM, organic traffic and keyword selection. But to know these techniques, it will take some time for new bloggers.

If you think this calculation is wrong, feel free to share the reason. Still if somebody is not making any money from adsense after this much traffic, the contact me. I will try to help you.

Have a nice blogging.

Simple But Effective Way to Find the High Paying Niches,Topics, Keywords

[Updated] How to Earn 10 Dollars Per Day from Adsense in 2015

Improved Google Adsense Support, Thanks to Them


100 dollars a month car

Everyone could use some easy ways to make 100 dollars this month!

$100 could have a big impact on your finances whether you use it to pay off debt faster, save for your emergency fund, or use it to pay for extra-curriculars for your kids.

It might seem hard to earn an extra $100 in a month, but you will be surprised at how many different ways you can earn extra money while working from home.

This article may contain affiliate links. I only suggest product or services I believe will benefit my readers. All opinions are 100% mine!

Here are 7 ways to you start working to make $100 this month! You can sign up for each of these and get started today…

Take surveys every day to earn $100 or more per month!

Give your opinion on everything through surveys and get paid with rewards that can be cashed out to your Paypal account. You can sign up for Vindale Research here!

You will be more likely to earn more money by signing up for several different survey companies and following a survey strategy.

Here are some of my favorite survey companies:

If you want to make even more money consider taking surveys that can lead to focus groups. You can work for online focus groups and earn up to $150 or more per online focus group.

Ebates is a way to save cash, and if you are savvy you can earn cash back too…

a penny saved is a penny earned!

You can save between 3% – 10% or more on cash back offers from online stores that you love. Ebates is a favorite way to save money by getting the best price, but also you can take advantage of their refer a friend program and earn money by helping your friends save money.

Who doesn’t want to save money.

Ibotta is another savings app, and you can also make money by sharing your referral code.

Ibotta is an amazing app that let’s you save money at grocery stores, Walmart, Target, and now Amazon! If you love crafting/sewing there is also a Joann’s Fabric savings with the Ibotta app.

For every person that starts an account with your referral code you earn $5 bucks!

Swagbucks is an easy way to earn $100 this month. They have a several options for making extra money.

  • Answering polls
  • Using their search engine
  • Playing games
  • Watching videos

You can make money watching videos with Inbox Dollars.

You won’t be able to get to $100 quickly by watching videos alone.

One tip to get more videos in…

while you are folding laundry, watching TV, or even doing the dishes you can let the videos run and keep your phone refreshed.

Testing websites is one of my favorite ways to make money online. You can earn $10 per website test with most companies.

Basically you are giving your opinion about how user friendly websites and apps are to use. You will need a computer and microphone. Most sites need you to download software so they can record your interaction with the website you are testing.

Some companies will let you test on your tablet or smartphone.

Air BnB is a great passive way to make income. If you have a spare room you could easily make renting out your space to travelers. You could easily find quality guests by the way you market your space.

We live in a college town and would likely market our spare room to parents of college students who want to visit. Think about who you want to stay in your home…

young college kids, business professionals, families, etc.

You can totally make money blogging! I have been blogging for 8 months and I am able to use my earnings to cover a car payment!

Many bloggers are making serious income that allows them to stay home with kids, give up their 9 – 5, or even retire their husbands! Here’s the thing…

this isn’t a get-rich-quick scheme. There are many late nights, early mornings, and lots of cups of coffee. It takes hours of hard work to grow your blog and build a relationship with your audience.

So, WHY start blogging…

Your first paycheck may only be worth $0.25, but the potential to grow your business is huge! This side hustle will initially take more time than the other job ideas on this list, but you could use your blog to build an entire business online.

Setting up a blog is really easy! If you are serious about blogging for money, then you should go ahead and get your own domain. Instead of www (dot) BlogName (dot) wordpress (dot) com; owning your own domain means you will have an address like this www (dot) BlogName (dot) com.

Owning your own domain gives you a professional look from the beginning, and if you’re serious about making money online you need a professional look.

You will need website hosting (which is approximately $75 per year). I started my hosting with Bluehost and had a great experience.

Bluehost was amazing and helped me set up my blog and connect to WordPress. I am SO not a techie person and the customer service was great. They literally walked me through every step of setting up my blog.

You can learn more about starting a blog in these posts:

Uber is a taxi service where you use your own car to pick people up and take them where they need to go. You get notifications on your phone of people who need a ride. Then you get paid when you drop the rider off.

Depending on where you live, you could earn $20 per hour driving for Uber. While this isn’t a work from home job it is a flexible job. You can set your own schedule and work as much or as little as you can

Uber Eats is a delivery food service by Uber. You set your own schedule and are paired with restaurants to deliver food. Depending on the city you live in, you could earn $10 – $20 per hour delivering food with Uber Eats.

What side hustle do you want to start to make an extra $100 per month?

Looking for more ways to earn financial freedom? Join our newsletter and get the FREE Mom Boss Toolkit e-course designed to help you start your journey making EXTRA INCOME over the next 7 days ! Click the Pink Button >9gt;9gt; Sign Me UP!

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How to Make $100 –> Earn it by Selling Your Ideas as Merchandise

Every time you see some kid wearing a t-shirt with a sports logo or musician on it, you’re seeing evidence of someone else selling merchandise. Or, some regular Joe’s $3 profit.

This could be your $3 profit, over and over again. Learning how to do this is surprisingly easy, especially when leveraging new online partners to help you on your way. This is easy money, but most people are too chicken to benefit.

Merchandise includes things like logo’d t-shirts, pens, mugs, mousepads, books, etc. Anything that people buy (like a t-shirt or wad of paper) that suddenly becomes “yours” as soon as your logo or novel get printed on it.

Luckily, making these things is unbelievably easy these days, and nearly risk-free too. New online partners like CafePress and now allow you to print merchandise as the orders come in, meaning that you can set up a store without any costs, since no real merchandise is created until it has actually sold.

These partners have production and delivery capabilities that combine with your ideas with a functioning online store in almost no time. Setup is as easy as 1-2-3:

1.You turn your ideas into a suite of customized products and place them in your “store”

2.You send mobs of eager traffic to the store, or strangers on find your store online

3.You collect cheques after someone else does all the hard work

The main dangers involved with selling merchandise are twofold:

1.Wasting your time setting up a store no-one will buy from. Either people won’t like your stuff or not enough people will see your store.

2.Wasting money setting up a store no-one will buy from. If you set up your own 100% custom website through a host like GoDaddy, you’ll have several costs to get going. However, if you choose a free store option from the list included below, you won’t have to worry about losing money…

So, here’s a quick list of some great online partners that offer free stores for converting your ideas into easy-to-sell merchandise:

1. Convert Ideas into T-Shirts with CafePress.com – You’ll sell as many t-shirts as you’re clever enough to sell. CafePress is one of the top destinations for customers and micro-sellers in the world. Go here to start: http://www.cafepress.com/

2. Convert Ideas into Stuff with Printfection.com – You’ll sell as many clothes, mugs, babyware, cutting boards, bags, aprons and coasters as you’re clever enough to sell. Get started here: http://www.printfection.com/

3. Convert Ideas into Stuff with Lulu.com – You’ll sell as many books (electronic and/or print) as you’re clever enough to sell. Got an idea for a cookbook, photo book, novel, non-fiction reference, or collection of short stories that people would buy? Learn all about it here: http://www.lulu.com/

4. Convert Ideas into Stuff with Zazzle – Once again, if you can imagine what people want to buy, this online service allows you to quickly make it happen. Zazzle includes selling business cards, t-shirts, shoes, and much more. Go here for details: http://www.zazzle.ca/

How to Make $100 –> Earn by Tweeting, Blogging & Being Social

Like it or not, many of the supposedly impartial consumer reviews and recommendations you’ve read for various products and services are actually paid reviews. You can capitalize on this by talking about just about any topic through a great marketplace that connects buyers (businesses who want to generate “buzz” around whatever they’re doing) and sellers (people who are willing to talk about that subject online.)

Sellers are typically paid a set amount per number of mentions or types of actions. Buyers can hire you to give positive, neutral, or even negative reviews. Strange, but true.

Depending on your preferred method of talking about a product, here are three options for putting cash in your jeans:

1. Yak it up on Your Blog – Write a post on a specific topic and collect the cash later. The more popular your blog is, the more $ you can command for each post. More info here: http://izea.com/publishers/bloggers/

2. Yak it up on Twitter – Tweet on a topic and get paid to do it. Believe it not, this is how the world works. So why not profit from it? More info here: http://izea.com/publishers/tweeters/

3. Monetize your Photos – Follow the instructions at Staree, use your social media account, and collect the cash. This is unbelievable to someone who doesn’t understand today’s social media business environment, but the cash they’ll pay you to do this is real. More info here: http://staree.com/

These may be the best options in this entire list of 100. It has been proven to work very well for lots and lots and lots of people. The top 10 options for doing this yourself are listed below.

Since all 10 of these options are very similar in concept, they will simply be listed below without individual explanation. Instead, a general overview of the topic will be given here that explains the gist of all 10 options at once.

Businesses all over the world are trying to get consumers’ attention and get their message in front of an audience. In the offline world, this includes magazines, TV, radio spots, etc. In the online world, a major part of this is any website with an audience, which means you and your website. Or, a website you are about to start.

To make their lives easier, these businesses go to a major advertising broker so they can sell a bunch of ads across a large network of good websites (as opposed to signing advertising contracts with hundreds or millions of individual websites one by one, which would be an administrative nightmare.) The biggest brokers are listed in the group of 10 below.

These brokers then need websites to place their ads on, which is where you come in.

By adding a small piece of code to your website or blog, major brokers can display ads on your website for as long as the code is left untouched. Once the ads are there, there are 3 main methods by which you can get paid for having these ads:

1) CPM (cost per mil / cost per thousand / cost per impression) – Every time an ad gets displayed 1000 times, you get paid the agreed amount. This can be good for very high traffic websites.

2) CPC (cost per click) – Every time a visitor clicks on an ad, you get paid the agreed amount. This can be good for a high traffic website or a site on a niche topic where visitors are likely to click on ads for more information.

3) CPA (cost per acquisition) – Every time a visitor buys an item on another site after getting there directly from your website, you get paid the agreed amount or % of revenue. This can be really lucrative or result in little revenue, depending on your niche and the likelihood of people buying something.

The best thing to do is try different models, let each system run for a set amount of time and then see which model produces the best results.

By far the easiest and best system to get started with is Google’s Adsense program. Sign-up should take less than 5 minutes, and you can have ads on your site in as little as 10 minutes. Plus, its free, trustworthy, user-friendly, and has a large number of people buying ads through it (so the ads on your site will likely be relevant to your content.)

So, here are the top options for earning $100 by selling ads:

There are three bonus options in here just because there are so many good partners to choose from. The quality of this opportunity for making $100 cannot be overstated. It is really awesome.

For some people, whipping up a computer program is as easy as blinking or eating breakfast. Yet, few of these people are making any money at it since they don’t know how to turn their abilities into cash.

Fortunately, it is way easier to make money off of neat programs now than it used to be. If you can come up with an application or computer program that would make people’s lives easier or more fun, the chances are good that you can sell it.

Here are three ways to make this happen easily:

1. Develop a Piece of Downloadable Computer Software and Sell it Through an Online Service that Handles all the Details – Here is one such place to sell your forthcoming masterpiece: http://www.regnow.com/

2. Develop a Piece of Software and Sell it Yourself Ask For It – This requires more eCommerce setup, but allows you to keep a larger share of the revenue. To help you market the software, consider a software marketing option like Promosoft: http://www.develab.net/

3. Develop an Ap for New Mobile and Tablet Devices like an iPhone, iPad, Blackberry or Android Device – This is a booming industry with 1,000’s of useful aps that have not yet been written. Unlike programming for conventional computers, this field is under rapid development and it is still pretty easy to create something with a high sales potential. Also, since these devices are relatively primitive in terms of procession power and user interface, programs can be pretty simple yet still effective.

Market researchers are constantly trying to figure out what “the masses” want. As a living, breathing person, your opinion qualifies as a part of that information. Various companies offer paid surveys, partly because very few people are willing to take a survey for free these days. So, why not cash in on the trend and get paid to tell a company what you think?

If you have an opinion and a few spare minutes, this is an easy way to put money in your jeans.

Here are a few places to get started:

1. American Consumer Opinion – 100% online surveys let you provide your opinion from home. They even have a monthly prize for being part of the system. Believe it or not, companies really do pay for this type of market research. Start here: http://www.acop.com/

2. MySurvey – Lots of prizes, rewards, points, and so on. If you invite your friends to join, you’re eligible for a bonus too. Begin here: https://www.mysurvey.com/

3. SurveySavvy – Again, a mixture of incentives and programs just for telling companies what you think or what you wish companies would do. Here’s their home page: https://www.surveysavvy.com

Why not become a middleman? Someone really doesn’t do very much, but who collects $ just for introducing people?

Affiliate programs are just that. They are basically the same concept as lead-generation or being a sales person, except that you neither close the sale nor create the product. The only value you need to provide is to connect a prospective buyer to someone else’s store. Once you’ve made the connection, you get out of the way and let the business take care of all the hard work.

With the right fit (you need to find the right kind of affiliate program), this can be an easy addition to your life that pays cash for doing little personal work.

Large numbers of suppliers and Internet retailers (who are trying to sell more stuff) realize that, even if they pay you a percentage of the cost of an item they’ve got stocked, it’s still in their best interest to make a sale and pay you a sales commission than to make no sale at all. So, even if they pay you $20 on a $100 camera sale, they still get $80, which is still a better deal for them than getting $0.

In order to organize this demand, large “affiliate programs” have been set up to accommodate the sale of just about any item imaginable. As a result, its quite easy for you to get started.

In your search for an affiliate program, look for one or several that offer ease of use, products that fit who you are or markets you can easily access, and a payment model that maximizes profits. For quickly introducing yourself to the principles and common issues surrounding affiliate programs, play around with the Amazon Associates program first and then consider moving on to the other programs.

There are many thousands of online affiliate programs, but here are few good ones to look at first:

1. Amazon – Sell virtually anything. Amazon carries a lot more than just books, CDs and movies. Here’s the starting page for their affiliate program: https://affiliate-program.amazon.com/

2. iTunes – Know anyone who buys and/or rents music, TV shows, games, audio books, podcasts, or documentaries? Then why aren’t you getting in on the action and getting paid every time they use Apple’s store? Start here: http://www.apple.com/itunes/affiliates/

2. Google Affiliate Network – Google has entered the affiliate scene more recently, offering an excellent option for affiliate marketers. Google’s world class payment process and trust-factor make GAN (Google Affiliate Network) a must-try. Start here: http://www.google.com/ads/affiliatenetwork/

4. LinkShare – Less glamorous than the previous two options, this is another opportunity with a wide variety of products & services for sale. More info here: http://www.linkshare.com/publishers/

5. Zanox – Want to choose from over 3000 companies? Give them a try: http://www.zanox.com/us/

6. Commission Junction – Perhaps the largest, most popular affiliate program anywhere, CJ has one of the widest selections of partner companies available. It is also easy to work with CJ from start (choosing partners and easily marketing them) to finish (getting paid.) Once you get involved here, you may never look elsewhere. Details here: http://www.cj.com/

7. ShareASale – Real time reporting on your referrals with over 2500 merchants to choose from. ShareASale has also won several industry awards. You can check them out here: http://www.shareasale.com/

8. ClickBank – Another easy-to-use engine for turning referrals and recommendations into cash. This 5-step explanation really makes it easy to understand and get started: http://www.clickbank.com/promote_products.html

9. Agoda – Know someone about to travel? Why not recommend a hotel and take a cut of the deal? With over 150,000 hotels to choose from, this is something anyone can do. Info here: http://www.agoda.com/partners/index.html

10. GreatSkin – Know people with an interest in cosmetics? Why not get in on the action? Here is one of many affiliate programs for skin and beauty products: http://www.greatskin.com/affiliate.htm

11. Find Your Own Green Affiliate Program – Don’t like any of the options above? Passionate about the environment? Then look here for scores of green affiliate programs in categories like appliances, air purifiers, baby products, cosmetics, health food, green investing, pet supplies, vitamins, and organics. Lots of great opportunities in here: http://www.greenaffiliateprograms.net/affiliate-programs-directory.html

Rather than concentrating on earning $100 or saving $100, why not just find it?

The trick is knowing where to look. Looking the wrong spot is an easy way to waste time and get frustrated. Looking in the right spots, over time, will add up with minimal effort.

1. Car wash Vacuum Cleaners – All those people who suck up dirt and leaves from the interiors of their cars are also sucking up stray coins. Many car wash vacuum cleaners have a removable bucker on the bottom that collects the dirt over the course of the day. For a busy car wash, there’ll be a regular supply of coins on a daily basis, right in the “garbage” that would otherwise be thrown out. Luckily, being at a car wash, it’s easy to clean the coins in no time. The odd bill will show up in the vacuums too, even $20’s on occasion.

2. Sofas in Public Places – Forget trying to find coins in your own couch; that trick only works once. Public seating areas, however, are constantly being stocked with fresh coins from the public’s pockets. For best results, look in neighborhoods where there aren’t any street people or others who will already be scanning the sofas for quarters.

3. Around Vending Machines – People are dropping coins all the time, particularly in places where they’re hurried, like outdoor machines in winter. You’ll need an advantage over the people who dropped the coins themselves, so take a 1 to 2 foot stick or pulling device like a bendable coat hanger. This will allow you to reach under machines or into cracks that the average person can’t reach. Never try getting coins out of the machines themselves, as this is criminal and a really easy way to get crushed.

100 dollars a month car

This section is the largest and least popular section of this list, but it is also by far the most effective. Sad but true. Or, awesome and true, depending on your outlook and how much you actually need that $100.

There are many reasons why saving is awesome, but here are two of the best ones:

1. Saving is long-term – The reason you need $100 today is found in your past. Last week, last month, or maybe last decade, things happened that made you really need $100 today. If you learn to save now, the chances you’ll be short $100 next week, next month, or next decade will be drastically reduced. This point cannot be overstated: Having $100 in your jeans is not simply a function of earning or finding $100. It is a function of having $100 MORE THAN YOU ALREADY SPENT. Most people avoid this truth because they realize that needing $100 is their own d*mn fault, which takes adult responsibility. But, by reducing your expenses and facing reality, you’ll have a spare $100 over and over and over again. Simple but true.

2. Savings aren’t taxed – For every $100 you earn, you only end up getting to spend a fraction of that. Why? Because taxes eat up income like crazy. Depending on where you live and your personal situation, every $100 you earn may only end up only getting you $50 worth of spending power. In other words, you have to earn $200 to end up with that $100 of stuff you wanted in the first place. Taxes make earning $100 harder than it looks. BUT, if you reduce your spending by $100, you will end up with precisely $100 left in your pocket. It’s a 1:1 ratio. Saving $100 is often much easier and faster than earning or finding $100.

Of course, your life is your own, and only you know how much savings can help your situation. That’s why this list has over 100 ideas in it – even if half of the list doesn’t suit you, you’re left with 50+ ideas to think about. If you can’t make $100 after seeing dozens of half-decent ideas suitable to your own situation, well, good luck with life… You’re gonna need it! 100 dollars a month car

One important note about savings is that you need to keep track of what’s happening. If you start saving $$ but don’t track it, that $100 will just disappear into other expenses. To make saving $$ work, you’ve got to record how much you’ve saved and commit to not blowing it on junk. Better yet, put your savings into coins or bills and stash it away in a separate container. Don’t use a piggy bank if that makes you feel silly, but that’s the general idea. Dropping in $2 here, $7 there, and $0.50 there adds up in a hurry, but only if you keep that $0.50 out of your pocket before you can blow it on gum or a bevy.

1. Get a Free Library Card – Got an insatiable thirst for novelty and information? Quench this thirst with a library card instead of your wallet. You can still buy items for your personal library later on (items you’ve checked out of the library 3 times), but 90% of the stuff you buy or think you want you’ll never end up reading/watching /using again. Educating yourself doesn’t have to make you poor. Most libraries will charge you a few bucks for a card, but if you cite “financial constraints”, they’ll give it to you for free. Also, most libraries have “inter-library loans”, so that even the smallest suburban branches have access to a huge collection. Fulfill your need for information, advice, and how-to on the public’s tab. Reserve best-sellers or TV series online. Libraries have almost everything you can imagine. Monthly Savings: $200 or more.

2. Cut Your TV Package and 2 Cell Phone Features – Cutting your cable or satellite TV package will have a dramatic effect on your life – you’ll have more free time, more energy, plus you’ll be smarter and happier. Its true. To rebalance your life, explore Internet videos and a local library. Cutting the most useless features on your phone package is also something you won’t miss. Endless voicemail, bundled text messages, the data package you never use… these can all turn into $’s you can use on marketing your new business or something else way more fun. Monthly Savings: $50-150

3. Drop Your Land Line & Long Distance Packages – Get Skype for all long distance calls, get a Skype phone number or mailbox, encourage regular contacts to install Skype as well (so your conversations become free), buy a $30 headset, and chuck your landline for good. Keep your cell phone “in case of emergency”, having people call you to take advantage of free incoming minutes. You will never look back. Monthly Savings: $50-$100

4. Lower Your Rent – If you can’t afford where you’re living or working, move somewhere $200/month cheaper. Pretty straight-forward, eh? Monthly Savings: $200+

5. Drive an Older Car and Live Close to Where You Work – Daily commuting costs an incredible amount of time and money – something often only visible once you’ve stopped doing it. 25 minutes to get to work… $75 gas… Arrangements to get the oil changed… $400 car payment… Instead, buy an older import with minimal depreciation that does at least 40 MPG (plenty of early &0’s import compacts do this, contrary to the implication of new car companies), move to within walking distance of your daily destinations, and park your car. Rent a car for that once a year trip where reliability matters. If you’re trying to impress people with your automobile, impress them with stories of the foreign excursions you took with the money you saved instead. Monthly Savings: $500+.

6. Drink Water for Lunch – ($2-$10 per day) times (20 working days per month) = $40 to $200. Simple math. Plus likely better for your health. Monthly Savings: $40-$200

7. Brew Your Own Coffee – Brewing your own coffee costs almost nothing. Compare that to spending $2 or $4 for one coffee per working day, which adds up quickly. Monthly Savings: $40+

8. Sell High – When your stocks go up in value (perhaps well above their previous highs), and you’re thinking, “Yes! I’m finally about to become a millionaire,” stop being such a moron and take your cash while you can. Letting your portfolio of stocks plummet in value is a really easy to lose a lot of money you saved or earned elsewhere. Don’t screw it up after all that hard work and success. If you don’t want to follow your investments daily, set sell-stops so that you don’t have to follow so closely. But regardless, don’t just sit around and lose your shirt. Monthly Savings: Only you know this number

9. Learn to Cook Gourmet – Cut out one fancy dinner per week and you’ll easily save $200 a month, especially if you like to entertain guests. If you’re relying on restaurants to be impressive, note that people like it better when you prepare it all yourself too. You’ll save money and get unexpected social benefits. Monthly Savings: $200+

10. Make Your Own Wine/Beer – The first kit won’t save you much money, but it will still be cheaper than any sale in town. Subsequently, wine will cost you approximately $2/bottle and beer even less. Making wine or beer is best done in good company (as your drinking should be!) Aside from ensuring fun throughout the whole process, if you combine forces with several people who each do their own kit and you all split the results, you’ll each get a variety of products and minimize the risk of one or two ruined batches. Depending on how much you drink and how much you pay, this can save a little or a lot.

11. Eat Vegetarian at Least Two Days a Week – Face it: meat costs more than vegetables. Deciding to eat vegetarian two days a week requires no major life changes or principled stands. It simply saves you the consumer costs of paying for a massive industrial meat industry that can still put dead pigs, chickens and cows into your intestines the other 5 days of the week. Double your savings (and the health benefits of a balanced diet, which for most people means eating more basic veggies like fresh carrots) by jumping to four days a week. Again, this requires no principled stands about hugging trees or wearing bell-bottoms. It just saves you money and likely balances your diet at the same time. Monthly Savings: $50-$100

12. Use Public Transportation – Total cost of ownership of a car is typically well above $5/day, which is the maximum most people would spend on public transit for a day. Insurance, repairs, maintenance, and gas add up in a hurry. This transition is especially effective if you’re sharing a vehicle with others, like most families. Dropping one car from a multi-vehicle family is usually fairly painless, since the car is still there for things that really need a car. Monthly Savings: $100+

13. Car Pool – Ignoring total cost of ownership, just look at daily gas and parking costs for driving individual cars to work. This can easily be $5 per day, though for many will be over $10. Even driving only 10 working days per month instead of 20, that cuts costs in half. Monthly Savings: $50+

14. Pay Off Credit Card Debt – Shockingly, some people still carry a balance on their credit cards. Despite legions of math teachers, bankers, and friends with common sense warnings over many YEARS to the contrary, some people do not pay their full credit card bill at the end of each month. They pay the minimum instead, or the “Pay This Month” amount. This is a very expensive error. If you do not pay your full credit card bill each month, try explaining why you do this in a real face-to-face conversation and see what they have to say. If you have to carry debt, fine, but find a different way to do it. Monthly Savings: Only you know this number

15. Buy Next Year’s Christmas Decorations in January – Why pay November’s inflated prices when the same boughs and ribbons go for clearance pricing in January? This only works if you commit to not buy more in fall. Savings: Only you know this number

16. Find a Flat-mate / House-mate – Split several costs in half or reduce them further by adding more people. This really adds up. Monthly Savings: $300+

17. Start a Change-Jar for Loose Coins – Promise yourself not to spend it until it reaches $100. What you’re really doing is converting $1 here or $2.50 there that you would otherwise blow on gum or a bevy into $100. This is simple self-discipline. Monthly Savings: $20+

18. Turn Off Lights & Unplug Appliances When Not In Use – If you pay your own power bill, do the math and imagine cutting 10-30% off the monthly total. Electronics and appliances can still draw power even when they aren’t turned on, so unplug things between uses. Monthly Savings: Only you know this number

19. Park Several Blocks From Your Destination In A Cheaper Spot – Parking costs rise along with demand. Often, by parking just a few blocks away from the hubbub, you can drop parking charges by several dollars. Imagine saving $4 over 20 working days a month. Monthly Savings: $80+

20. Set Up A New Bank Account And Automatically Divert $5/Week There – Will you really miss that $5? Really? Will the world really stop turning? Likely not. Depending on your situation, you can bump this number up quite aways. The key is to keep this money in a separate new bank account, forcing you to refrain from spending the money on other things. This will seem like work for the first several weeks, then will magically seem like the best idea in the world once the new account starts to grow. Monthly Savings: Depends on your weekly number

21. Bike To Work – Simple math: no car, no parking, no insurance, no repairs, no gas. Plus, there is no hassle of a car pool or public transit. Plus, you’ll feel like a million bucks once exercise makes its way back into your daily routine. Monthly Savings: $100+

22. Eliminate All Purchased Drinks Until You Reach $100 – If you don’t like long-term projects, this is a simple short-term commitment. Every time you normally would have bought a coffee, soft drink, beer, tea, or something else, put the price of the bevy aside into a different place. Actually removing bills or coins from your jeans and putting them into another separate container is important here. Savings: $100

23. Cancel Your Gym Membership and Exercise Outside – Most people use the gym as a motivational technique more than anything else. There are many ways to do cardiovascular exercise outdoors, even in winter. Weight-training and other exercises can also often be done elsewhere, even with minimal equipment. Maybe you’re the type of person who really does need to go to the gym for fitness, but then again, maybe you’re the type of person who’s looking for a spare $100 in their pocket. Monthly Savings: Depends on your gym

24. Review All Insurance, Utility & Monthly Bills For Savings – The goal here is not to eliminate all monthly premiums or bills, but rather to make sure that you’re not paying for things you don’t need or want. Yes, this is boring, but monthly bills add up quickly. If you’d be unable to describe the broad strokes of your insurance policies to a friend, you’re due for a review. Monthly Savings: Only you know this number

25. Replace Impulse Snacks with Bulk Equivalents – Instead of spending $2 or $3 for a personal-sized snack, buy the family pack for $5 and spread it out over several days. Or, switch from a name-brand snack to items from a bulk-bin equivalent. If you don’t do this, you are throwing out $$’s for convenience. Or, you are throwing out $$’s because you can’t discipline yourself to only eat 100 grams of a 500 gram package. Either way, if you’re serious about saving $100, this is a no-brainer. Put the savings into your coin jar and soon you’ll have $100. Monthly Savings: Only you know this number

26. Plan Outdoor Self-Powered Vacations – You’re already paying for National Parks in your taxes, so why not use them? Try camping instead of hotels. By choosing outdoor holidays and activities that self-powered trekking through nature, you can save a ton of money. This includes hiking, swimming, canoeing, mountain biking, climbing, etc. The extra perks like physical fitness and an appreciation for Earth are pretty cool too. Savings: Only you know this number

27. Make Your Own Cards – Instead of paying $5 or $10 on pre-made birthday, holiday, or other cards, spend a few minutes to save the money instead. Gathering supplies for home-made cards is very inexpensive, even if adding stickers, ribbons, paints, sparkles, or other flashy extras. The recipients will love the cards more than any pre-made card, provided that you actually try to make the card nice. Even if you’re not an artist, the personal touch overcomes any rough edges. If you have a large family, this pays off in no time. Savings: Only you know this number

28. Start Plants from Seeds – Rather than growing garden plants, flowers, or ornamentals from a nursery, simply start the plants from scratch. Seeds are dirt cheap. All you need then is knowledge, sun, water, soil, and a little patience. Savings: Only you know this number

29. Replace Branded Household Cleaners with Generics – Many household cleaning substances can be replaced with vinegar, water, baking soda, and other common yet inexpensive bulk products. Many library books and websites share information on the topic. At the same time that you’re saving money, you’ll also be reducing the number complex chemicals in your home. Savings: Only you know this number

30. Buy Clothes Out Of Season – Buy heavy sweaters in summer, shorts in December, and so on. Big savings are available for anyone who can think ahead. Savings: Only you know this number

31. Reduce Your Cell Phone Usage – With minimal discipline, you can alter your usage so that your minutes fit into the phone company’s most basic plan. Make longer calls from a flat-rate-usage line or switch to VoIP. Tell callers that you’ve only got a few minutes to chat. Let blabby callers go to voicemail and call them back at a time when you know they’re too busy to blab. There are lots of ways to keep a cell in your pocket at the minimum monthly rates. Monthly Savings: $20+

32. Delay Technology Purchases Until the Price Drops – Emerging technology starts out really expensive, then gets dirt cheap only months later. Stable technology like guitar amplifiers, toaster ovens, or earphones maintain their price over time, but new things like the fastest computer, best visual display, or smallest/lightest new whatchemacallit can drop in price in almost no time. If you really want that newest item everyone’s talking about that just came out that costs $4000, why not wait 10 months until it only costs $3000? That’s like getting a free $100 every month for 10 months. This logic doesn’t work in every scenario, but if you’re reading this list AND considering buying a new gadget that’ll be much cheaper in six to twelve months, you might want to consider your strategy. Applied to multiple purchases over many years, this is an easy way to save thousands of dollars but still have lots of toys. Savings: Only you know this number

33. Stop Getting Sick – Sick days away from work, expensive symptom-masking drugs, prescription drugs, getting to appointments, and generally needing to “lay low for a few days” can get really expensive. Why not just avoid getting sick with new silver? This silver solution is outstanding for eliminating germs, meaning that the germs can’t make you sick. Just use as directed and avoid most of the avoidable costs of being sick.

34. Slash Cosmetic Spending – Lots of people put masking and coloring agents on their faces to look nice. Instead of getting caught in the downward spiral of spending on masking agents that actually cause more skin damage, thus requiring even more masking agents, why not just have healthy skin? The easy way to do this is to use silver gel on your acne or blemishes, helping your skin actually heal so that it looks great on its own (without being masked). Structured silver liquid can be misted on several times a day as well for maintenance after the gel’s heavy lifting is finished. Drinking the liquid can help get at root infections that are causing surface blemishes too. Lots of women have reported this to work – why not permanently cut your make-up bill? (… and have an easy, beautiful, natural glow!) Savings: Only you know this number.

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