The Beggar’s Guide to Getting it Together
Begging for Money: The Beggar’s Guide to Getting it Together
By Melissa @ Perfection Hangover
Has begging for money become the new norm? It seems that the internet has become an easy way for people to become online panhandlers. I’ve shared many ways to make extra money from home, online, and even creative side hustle ideas (ie “Dave jobs” for all of you Dave Ramsey fans).
From Cyber Beg to Begging Money, there’s no shortage of sites available to ask strangers for financial help.
But at some point, you have to get your financial shit together and take responsibility for your own successes and failures.
Here are five ways to get it done.
Step 1: Evaluate your Income
Do you make enough money to support yourself, your partner, and/or your kids? According to the US Census Bureau, median household income was $61,372 in 2017. Income is calculated including wages and salaries, as well as any kind of governmental entitlement such as unemployment insurance, disability payments or child support payments received, along with any personal business, investment, or other recurring sources of income for all persons over the age of 15 in the household (whether related or not).
If you aren’t currently earning enough money, find ways to make extra cash, such as starting an online business or donating blood plasma for up to $400 per month.
There are so many ways to bring in extra money that there are literally no excuses worthy of holding you back. You just have to make the decision to hustle. Work nights and weekends if you have to. Work two jobs if you need to. Go back to school if it will improve your financial situation.
Step 2: Start Budgeting Every Single Time You Get Paid
Many times, financial problems are the result of overspending and improper budgeting (or worse, failing to budget at all). Budgeting is so important, especially if you are an impulse buyer.
You don’t need fancy planners or complicated spreadsheets to create a budget. I use this cheap family and finance bill organizer from Dollar General (and have used it for years) to keep track of my budget.
Best Budgeting Apps
If budgeting with pencil and paper isn’t your jam, using apps or spreadsheets can be a great way to track spending. The Balance put together a list of the best budgeting apps available to help you track your income and expenses.
Here they are:
By creating a written plan for your money every single time you are paid, you’ll be able to set realistic financial goals as well as expectations for your spending.
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