Lifestyle

Work Life Balance: When There’s Too Many Plates Spinning

Have you ever been to a circus and watched someone spin plates on a stick? Of course it’s quite impressive, and it certainly took the performer plenty of practice (and many failures too) to get their personal plate to spinning ratio perfect. But even he or she will reach a point where they just cannot add any more plates without all of the others crashing down.

My plates recently came crashing down to the floor.

Thankfully none of them shattered. I did learn, however, that I, the crazy lady that thrives on constant side hustling and very little sleep, do have a tipping point.

Adding the Final Plate

As I’ve mentioned in previous posts, I enjoy side hustling and I constantly have several gigs going on at once. I have my full time job working in the senior living industry, which consumes over 40 hours per week (not including the 2-3 hours I spend commuting each day). I work at an espresso stand several times during the month on my days “off.” I’m doing some freelance writing and also trying to keep this website updated for you. And I also recently completed a 2 month stint working as an usher at the circus in the evenings. I usually have no problem managing my time, and actually feel pretty energized by the amount of work that I do.

Until I decided to cater overnight high school graduation parties. I just spent the last three weeks working all week long, then working from 9pm-6am serving pizza and donuts to newly-graduated high school seniors 3 nights on the weekends. The company I worked for was created out of a mission to keep seniors safe from drinking and driving on what is statistically the deadliest day of the year for teenagers, and I highly value their vision. Unfortunately, these parties were almost deadly for me.

The multiple, consecutive days of sleeping just an hour here or there left me feeling worse than terrible. My concentration was nil. My social life was non existent. I couldn’t get anything done at home. I gained a few pounds when this pushed my Weight Watchers diet out the window. Plus I ended up calling in sick twice at work because I physically felt so ill. And what do I have to show for it? Five hundred measly dollars.

Don’t get me wrong, $500 is absolutely nothing to sneeze at. But everything comes at a cost, and to me, my physical, mental, and emotional well-being is worth way more than $500.

Earn Money

17 Easy Ways to Make Money Without Changing a Thing

I don’t think there’s a single person out there that doesn’t want to make more money. But let’s be real, the thought of slaving away several extra hours per week at a second job is less than appealing to most people. Wouldn’t it be great to earn more money by doing practically nothing? Surprisingly, it’s totally possible! Here are 17 ridiculously easy things you can do to make more money without barely lifting a finger.

  1. Ask For a Raise

When trying to make more money, the easiest place to start is at the job you already work at. So ask for a raise! If you’re as valuable to the company as you know you are, they should be happy to oblige. It costs employers a ridiculous amount of money to hire and train employees, so smart employers will do what they can to keep good employees.

2. Adjust Your Federal Tax Withholding

Most people look forward to a windfall every year courtesy of Uncle Sam himself. Unfortunately, this isn’t the government’s way of being generous and giving you a bonus. This is money that they took out of your paycheck all year to give themselves an interest-free loan. The fewer allowances you claim on your W-4, the more taxes will be withheld. If you claim a higher number on your W-4, you will have a smaller refund but will have more money on your paychecks each month — money that you can put away and earn interest on!

3. Online Surveys

By filling out short surveys online, you can earn gift cards or even cash. You definitely won’t get rich filling out online surveys, but if you’re consistent you can make a little extra spending money. My Survey, Swagbucks, and Global Test Market are my personal favorites.

4. Swagbucks

Swagbucks, as I mentioned in the previous section, is much more than just an online survey website. You can also surf the web, play games, and watch videos to earn money.

5. Install Data Collection Apps

There are companies out there that will pay you just to install an app on your phone. These apps analyze your phone habits: what apps you download, what websites you visit, how much time you spend on certain tasks on your phone. All you do is download the app, let it run in the background, then collect money or gift cards for letting it run. Nielsen Mobile Panel and Smart Panel are two that I have used with success.

6. Download Digit and Acorns

Digit and Acorns are apps that don’t actually make you more money, but they save money for you, making you feel like you’re making more. Digit analyzes your spending and earning habits and skims a little money here and there to deposit into a separate savings account. The idea is that by taking just a few dollars every few days, you never miss the money and you wind up saving money that you didn’t think you could save. Acorns is similar, but it rounds your transactions up to the nearest dollar then deposits the difference into an investment account for you.

7. Take Pictures

Are you always snapping cool pics on your phone? Sell them to stock photo websites!

8. Freelance Writing

Do you enjoy writing? Become a freelance writer and sell your writing!

9. Get Crafty

Remember those Pinterest DIY and craft projects you constantly pin but never get around to? Start getting crafty and sell them on Etsy!

10. Ebates

Ebates is an awesome website that I’ve been using for years. Every time I shop online, I pull up the Ebates website first. From there I find the website I planned on shopping at and click the link to that website. For example, I love online shopping at Nordstrom. Instead of typing in Nordstrom.com, I type in ebates.com, click on the link to Nordstrom, and it pulls up the Norstrom Website. I shop as normal, then Voila! Ebates sends me a check for a percentage of what I spent on my order.

11. Spring Cleaning

Start selling things around your house on Craigslist, Offer Up, or at a local consignment store. Hey, you’ll be doing your spring cleaning anyway. Why not get paid for it?

12. Lose Weight

I kid you not, there are companies that will pay you to lose weight! Now if that isn’t motivation, I don’t know what is. I recently joined Weight Watchers while they were running a promotion offering to pay me $100 if I lost 10 pounds within 90 days. (I’m happy to announce that my $100 Visa gift card is en route as we speak). Healthy Wage is another company that pays users to lose weight.

13. Start a Housesitting or Dog-Walking Business

You need somewhere to sleep, so why not get paid to sleep over at someone’s house while they’re on vacation? Or if you were already planning on going for a walk or walking your own dog, get paid to take someone else’s dog along!

14. Rent Out Your Spare Room

If you have an extra room in your home, find a roommate and charge them rent each month. Or rent it out on AirBNB for a few days at a time.

15. Switch to a Credit Union or Online Bank

Credit Unions and Online Banks tend to have much higher interest rates on checking accounts, savings accounts, money market accounts, and CD’s than your typical big, for profit bank.

16. Claim Your Unclaimed Property

Ever wonder what happens when you move and someone sends a check to you? Check with your state’s unclaimed property department (every state has one) to see if they’re sitting on some of your old checks.

17. Sell or Trade Old Gift Cards

We all have old gift cards we’ve been sitting on but never plan on spending. Like the $25 Coldstone gift card I’ve had for the last 5 years, which I’ve apparently been holding onto in case I ever decide to say a big eff you to my lactose intolerant stomach. Using websites or in-store kiosks you can either sell your gift card for money or trade it for a gift card that you’re much more likely to use.

Managing Money · money challenge

April Money Challenge: Pantry Challenge

I’ve got a bad habit. Well, to be real I have several. But for the purpose of this story, we’ll just go with the one. I have a bad habit of going grocery shopping, buying stuff on sale that I would likely only eat during a national crisis when grocery shopping isn’t an option, then hoarding it all in my pantry and freezer. My freezer is filled with tilapia and frozen vegetables that probably haven’t seen the light of day in at least 4 years. And who even knows what strange nonperishables I have stacked up in my pantry. Probably the worst thing about this strange, awful habit of mine is that I will open the doors to the freezer, spin the lazy susan in the cupboards around, then decide I have no food in my house and go buy more groceries.

I’m always looking for ways to cut corners when it comes to my monthly budget. So when I looked through my spending for last month and saw that I spent a whopping $358.36 on groceries (keep in mind, I’m ONE PERSON), I decided to challenge myself to spend less this month.

I recently listened to a podcast that had to do with money challenges, and one person shared their experience with a pantry challenge. First of all, what a breath of fresh air to find out I’m not the only food hoarder out there. Second, I realized a pantry challenge was just what I needed this month.

The woman on the podcast had a goal to not spend anything on groceries, but that just didn’t sound feasible to me. I recently joined Weight Watchers, so produce is pretty essential to me right now. Plus, I don’t think my two cats would appreciate eating nothing but stale spaghetti noodles and 8 cans of garbanzo beans for the next month. I modified the rules to fit my lifestyle, and I decided that I can only spend $100 on groceries this month. Plus, I’m challenging myself to create recipes that are still reflective of my Weight Watchers goals.

We’re now a third of the way through the month of April, and I’ve only spent a third of my budget ($29.58 to be exact)! I’m not the greatest cook, but just yesterday I meal prepped for the week and made cilantro lime chicken with cilantro lime rice and beans (I only spent $1.50 for the cilantro and lime!) and Thai peanut butter chicken with rice, and I have to admit that I gave myself a nice pat on the back after. The Mexican stuffed shells I made last week weren’t the greatest, but at least they were edible. Oh, and just in case you were curious, I’m still holding up the Weight Watchers end of the bargain and lost 2 pounds in the last 2 weeks!