Finally Some Financial Success, but More to Go

 

After years of working on my finances I have finally seen some success in my life. My income has grown, I am making a little money online, I have money set aside for my kids college, and I am working on buying a bigger house. These successes are big for someone coming from almost nothing to actually having a nest egg for my finances to help my family. 

    I have been focusing more on one of my other blogs, and trying to build my income on multiple sites. To see my most recent blog post click here Where I come from Financially and Where I am going Financially. In that post I share a lot of my personal struggles and successes. It is one thing that is helping my income a small amount, but my income is growing. I work full time in management, and I mean about 50+ hours a week. In addition to that I sell AVON, write online, sell on Etsy and Ebay, and find every way possible to save money when shopping or in everyday life. I even pick up change off of the ground when I see it. I take every opportunity to get money into my accounts. With that being said, my income for 2021 should be over $60000. That is a huge increase from the $35000 I made 2 years ago.

    I have taken the money I have coming in and started purchasing stocks and bonds. I use STASH for purchasing stocks and Worthy Financial for buying bonds with a 5% interest rate. Stash requires little knowledge about trading stocks to make real money, just read everything they have so you can learn what you need to know. Worthy is simple to use. All you need is $5 to start and you earn 5%interest. I currently earn about .40 a day on Worthy without any effort. That gives me more than $146 a year if I do not add or take out any money.

 

    With finding ways to earn extra money and to save extra money, I am seeing big success. It has not been an easy financial journey. It has taken time and patience, and a lot of not purchasing items that I really want too. My biggest tip to anyone trying to make their life more financially stable is to make goals, and find every way you can to reach them. Even a simple $5 a day in earnings or savings will add up to over $1800 a year for you. Read my post on Free money to see some of the simple ways I have to get extra money.

Remembering why I started this personal finance blog

I have not found time to publish posts on my blogs, even though at one time I was making quite a bit of money off of them. Today I decided to go back and read some of my old posts and it reminded me of why I started this blog. It was because I was focused, lost, and wanted to share my journey with others. It was not all about the income that came in, it was the joy of teaching others.

What I find entertaining is that I was sharing interesting topics, even before I went to school to receive my business degree, during which I had to take quite a few finance courses. I have learned even more about personal finances, debt, income from home, budgeting, and so much more. I need to share these things with other people who would take the tips and run with it. I would be happy even if one person found one post out of a hundred helpful. So hopefully I can keep my focus and share real financial tips to help everyone.

Thank you to anyone who has ever read one of my blogs, or one of my posts. To me it truly does mean a lot. I hope someone has found a post useful to them and I hope I can bring back out my creative side to make longer posts that share more financial tips.

Reading Financial Articles

I have been reading a lot more about finances, and I have began to get more motivated. There is a lot of helpful information online. Three sites that I actually write for is very helpful. The sites I write for are Ehow, Firehow, and Associated Content (Now Yahoo Contributing Site). These sites not only pay me, but I get a lot of helpful information about my finances. I take a lot of time to read articles about people financial journeys, money saving advice and a lot of other things. Reading these things can be very motivational to me. I find articles that read as if you can tell the individual actually knows what they are talking about, and not that they just threw things together to make a little money online. If you are seriously trying to get your finances together, take the time to look through articles on these sites. You will be able to find things that are very helpful. You can find articles on things like; saving money, making money, investing money, and so many other things that will help you.

Defaulted Student Loans

One of the biggest things on my credit is student loans. When you are in default on student loans it can greatly decrease your credit score. I am also wanting to return to school in January, and would not be able to get any financial aid if I am in default. Yesterday I decided to call the Department of Education to see exactly what I needed to do to get back in good standings.

Apparently there is a new program that can help. The program allows you to set up payment arrangements and get caught up. In this plan you have to make all of your default student loan payments on time, every month. If you pay all of your payments on time you will be eligible for financial aid in six months, then if you pay on time for nine months your loans will show on your credit report as a positive.

I could not pass this opportunity up. I signed up for the program and will start making payments of around $40. This is one of the biggest steps I have made in my personal financial journey, and it is going to help quite a bit.

If you have a default student loan through the government you should read this page, or call 1-800-219-7931. It is worth a try to get your finances together if you are on your own financial journey.

My Financial Journey In Now begining

I have not been able to do much about my finances without working, but I now have income coming in. I started on job on Friday and the second one I will begin tomorrow. I also have my online income and I clean houses every other week. I am going to be a very busy person, but my finances are going to begin to pay off. I am currently in the process of making out a financial plan for myself with goals and deadlines. I am going to share a lot of that with the readers as soon as I am able to have it completed.