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How To Earn Extra Cash While Growing Your Business Empire

As an entrepreneur, you may be aware that you can get financially unstable at times due to the market’s condition and other factors. So, consider ways to get income on the side that will help alleviate some of the financial stress. Try these 5 ways…

1. CAR FOR RENT

Rent your personal vehicle to others in need. You may post an Ad for free at Gumtree or spread the word through self-printed flyers. Get acquainted with the user first to have a firm and trusting agreement regarding the car’s usage. This will allow you to focus on your business while your car is making money on its own.

2. RENT YOUR GUEST ROOM

If you are okay with sharing your house with other tenants then rent out the empty room/s. Once again, get to know the tenants first (i.e., personality or cleaning habits) and set some ground rules because you might be living with them for more than a month. In an event that you need to go overseas for business, then you may rent the whole house to them and charge them more.

3. TRY ONLINE OUTSOURCING

Some online websites allow users to outsource their skills on a freelance basis. If you can do website development, clerical jobs, writing an essay, video editing, or any other skill…try signing up for Odesk to get decent extra income. Salary payment in Odesk is painless because Credit Cards, PayPal accounts, and Bank Accounts are accepted.

4. INVEST IN REAL ESTATE

There are a lot of methods for making money in real estate that do not require your full-time effort so you can focus more on your growing business. You can consider purchasing properties and resell them for profit (flipping houses) or real estate wholesaling. If this area is unknown to you, find your friends or people in your area with the expertise that you do not have and partner with them.

5. CREATE A NETWORKING EVENT

Image Credits: Image Credits: Cydcor Offices via Flickr

Organize networking events to help young professionals interact with the environment. You not only help others to make valuable connections but you also make money by charging the participants for the food or the registration fee.

6 Tips To Save Big On Your Car

Owning and maintaining a car in any country especially Singapore can get very expensive. This is why pays to know how to save on your car costs.

Insurance and petrol costs may feel like fixed, but you can cut them down without sacrificing your safety and comfort. Try these 6 tips.

1. DRIVE SAFELY AND STEADILY

Being a speedster may cost you a lot on fuel and accidents. Accelerating quickly and kicking on the breaks hastily only wastes fuel. It also makes your brake pads and suspension system wear out faster. So, drive in a steady pace in top gear.

2. SEARCH THE BEST REBATE CARD FOR YOUR PETROL

With several petroleum companies in Singapore, you may wonder which company offers the cheapest petrol. Money Digest made things easier for you by comparing the credit cards that offer petrol discount in the market today. To see the full table and complete list, click here.

3. SHOP FOR CAR INSURANCE REGULARLY

It really pays to compare prices and switching your car insurance company (every year or every two years) to get the best deal. Get quotes from several companies and let the experts diagnose your car to save more. You may also want to raise your deductible to save more in case an accident or a major repair occurs.

4. GET RID OF THE SECOND CAR

If one car is enough and you are using your other car only to commute to work, consider public transportation or carpooling instead.

5. DITCH THE CAR WITH HIGHER ENGINE

To avoid accidents from happening, prevent them. Statistically cars with a higher engine are more likely to crash. More so, the bigger the engine of the car, the higher is its amount on insurance policies.

6. GET SERVICES FROM A REVIEW WORTHY GOOD MECHANIC

If you are not sure why your car is acting strangely, do not diagnose and solve the problem by yourself. Saying “it needs a new battery” might urge a shop to install one even if that is not the problem. This will only cost you more. Let the experts handle it.

Image Credits: Bob n Renee via Flickr

Now, your job is to find a good mechanic and a nice repair deal by getting estimates from three or more repair shops by gathering referrals from friends and surfing online for reviews. Try Yelp.com or Singapore car forums.

5 Eco-Friendly Home Ideas To Save You Money

One of the simple things we can do to help save the environment is to reduce our energy consumption and plant more trees. Little do you know that these things along with other innovative ideas can not only help the Earth but it can also save you a decent amount of money.

Here are 5 Eco-Friendly Home Ideas To Save You Money…

1. USE BLACKLE.COM

Blackle.com is a search engine that is powered by Google Custom Search and created by Heap Media. It helps users save energy consumption because of its predominantly black and grey display. According to Wikipedia, the Blackle’s black screen can save up to 4 mWh of electrical energy consumption.

2. KEEP THE WATER BOTTLES IN

Did you know that a barely stocked fridge has to work harder to stay cold than a fully stocked one? So, put your water bottles inside the fridge to help maintain its efficiency.

Image Credits: Steven Depolo via Flickr

You may also put a water bottle in the toilet tank to displace the water and help reduce water consumption.

3. THRIVE A GREEN THUMB

Instead of purchasing the S$299 branded air purifier, go natural and grow your own succulents.

Image Credits: teresaphillips1965 via Flickr

Plants are more than just decorations as it can improve the air quality in your home by absorbing dangerous toxins. Go for the inexpensive and easy to maintain plants such as ferns, green spider plants, English Ivy and dracaenas. Furthermore, growing your own food is organic at its finest. If you do not have a backyard or an apartment balcony there are community gardens for you to plant your own seed.

4. CLEAN YOUR DUST WITH NO MUSS

Buying a bunch of paper towels and cleaning spray products can be costly. So, use a microfiber duster instead. It is not only reusable but it is also effective. Home Depot sells Microfiber Duster with Soft Grip Handle for only US$3.98 or S$5.39. Just toss it in the washing machine to clean it.

5. CLEAN YOUR COMPUTER

Most of the germs live in your keyboard so it is tantamount for you to tidy it up. Rather than buying cleaning sprays, special wipes that contain chemicals or even buy a new one…turn your keyboard upside down and shake the dirt out. Then swab a cotton tip with alcohol or a double-sided tape to clean between the keys.

Savvy Pet Care Saving Tips

From pet medications to cleaning supplies and vet visits, these pet care measures add up. Even the pet’s food expenses can add to the pile of cost. This is why it is important to cut down pet care costs without endangering your pet’s health. Spend less with these Savvy Pet Care Saving Tips…

1. SLASH YOUR PET’S FOOD BILL

Some owners overfeed their pets, leading to a condition called obesity. But, feeding a smaller amount can improve your pet’s health and save you money. Consult your vet about the appropriate food amount your pet needs. To save more, you may buy pet food in bulk.

2. DENTAL CARE FOR LESS

Gingivitis can damage your pet’s kidney and your finances since it requires expensive treatment and professional cleaning. To prevent this, do regular dental care at home. Wrap a significant amount of gauze on your finger and swipe your pet’s teeth.

3. CUTTING DRUG COSTS

The best way to cut down drug costs is to prevent diseases. Consult your vet about the vaccination that your pet needs such as one against Feline Panleukopenia virus. Vaccination is truly cheaper than the treatment for your pet’s disease.

If your pet is already ill, ask the professional if a generic brand of medication works as well as the branded one. Generic brands are cheaper than the branded ones but they can also impart the same effect. And if your pet needs a drug that we take such as antibiotics, compare around the several pharmacies to get the best price.

4. PREVENT ACCIDENTS

Image Credits: Gavin St. Ours via Flickr

Keep poisonous, sharp, and dangerous items out of your pet’s reach. For instance, acetaminophen, household cleaners, and liquid potpourri can cause accidents. Yarns can also get stuck inside your kitty’s intestines and cost you more than thousands of dollars for the surgery.

3 Simple Tips To Stop Living From Paycheck to Paycheck

Living barely within your income is not a laughing matter. When you are living paycheck to paycheck, you live a life of constant stress, worry, and dread that you might be stuck in an unfortunate debt. It is a struggle to gain control of your money and your commitments. So, here are 3 Simple Tips To Stop Living From Paycheck to Paycheck…

1. CREATE A SYSTEMATIC FINANCIAL OPERATING SYSTEM

In order to cease your worries, a huge turnover can be money flow management. You must give conscious effort to know about where your money flows in and out. Once you have control over your money flow. Then, you will be able to create a systematic financial operating system that consists of: money flow management and budgeting.

Money flow management is accomplished by using a ledger or an app. There are a couple of efficient yet free apps that can help such as: EXPENSIFY, EXPENSE MANAGER, MONEYWISE, POCKET EXPENSE PERSONAL FINANCE, and MINT.

Image Credits: wikihow.com/Do-Envelope-Budgeting

Likewise there are a couple of budgeting such as STATIC or FLEXIBLE budgeting. For personal finances, I highly recommend a simple technique called ENVELOPE budgeting. It starts by storing the cash into separate categories of household expenses that are allocated in separate envelopes.

Budgeting will surely help you gain clarity and control. Start by writing down your monthly income, followed by your monthly expenses, and then subtract the two. Plan and search for a suited technique.

2. PREPARE MONEY FOR YOUR BILLS ACCORDINGLY

Some bills are due frequently while some are semi-annually. Prepare money for your bills accordingly by noting them down. If you have a monthly bill, you may try a trick called half payments. For half payments, you prepare the payment for the bill by subtracting half of the bill’s amount to your bank account per two weeks (bi-weekly).

3. BOOST YOUR EMERGENCY FUND

Prepare for the unforeseen events and financial failures by saving at least 8% of your income per month. You shall call this category your “emergency fund”. It is better to save a certain amount of money than to have nothing save at all.

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