a healthy, serene woman sleeping peacefully

The Best Sleeping Apps for a Good Night Sleep

Why is sleep important? Sleeping is a natural process that is quite vital to any human being. Sleeping enables you to rest, which will help boost your immunity and ward off ailments, whether mental or physical and productive.

How much sleep is enough?

To ensure that you operate optimally, depending on your age, there is a recommended amount of sleep that one should have. The CDC recommends as follows:

  • Newborns (0–3 months): 14–17 hours
  • Infants (4–12 months): 12–16 hours
  • Toddler (1–2 years): 11–14 hours
  • Preschool (3–5 years): 10–13 hours
  • School-age (6–12 years): 9–12 hours
  • Teen (13–18 years): 8–10 hours
  • Adult (18–60 years): 7-plus hours
  • Adult (61–64 years): 7–9 hours
  • Adult (65+ years): 7–8 hours

Sleeping Apps

As mentioned, sleep is quite integral to everyone. However, it is somewhat concerning that most Americans are suffering from sleep deprivation. Lack of sleep or poor sleeping patterns impact negatively on your wellbeing.  Thankfully, there are free apps that you can download, and they will enable you to get to slumberland in no time. The following are some of our recommended apps to enrich your sleep.

1. Relax Melodies

This application is quite popular, as seen by having a 35 million person community. The app also has an approval rating of 4.6 stars. The platform is quite intuitive, as one can integrate their favorite songs into the app. Users can also have access to several soothing tunes to help them off to sleep. You can use the app for free, and it is quite handy. You also have an option to upgrade your app.

2. White Noise

This is an application that is quite handy for those long travels. It is equally convenient if the trip coincides with your sleep time or sleeping in a new environment with unfamiliar or distracting noise. Users have the option of using a freeware version or buying a premium application. On checking their ratings, both applications are quite ingenious, and they can drown out the noise and enhance sleep.

3. Relax and Sleep Well Hypnosis

As we mentioned, sleep deprivation is not an everyday occurrence, and certain inhibitions trigger it. While hypnosis therapy is quite an expensive exercise, this application offers four recordings for free. The recordings are imbued with meditation and hypnosis that have been quite effective in improving sleep. The application has an approval rating of 4.7 stars and positive comments from the users.

4. Noisli

The application is also quite handy to help its users sleep. A user may select particular sounds that help them sleep, and it could be wind, thunder, or whatever sound that appeals to them. The app is also quite intuitive, and it has a timer to wake up users or countdown to sleep. Apart from just being a sleeping app, it can also be used to reduce stress and migraines. The application can be used as freeware, or you can upgrade to a premium version.


As we said, not having enough sleep is not suitable for your health. That said, there are times when we can suffer from insomnia. When that happens, the above apps would be quite useful in ensuring you sleep in no time.

multilingual young people talking together

8 Ways to Make Money If You Know a Second Language

Looking to make money from your knowledge of a second language? Being fluent in more than one language has numerous benefits; including helping you earn some extra money. Whether you are retired, a working professional or a student, there are several ways in which you can put your knowledge of languages to good use. Fortunately, all you need is a little creativity and some motivation. So how can you make money with your language skills?

Below are some ideas you should consider.

Become an Online Language Tutor

Teaching languages online will allow you to reach more students, effectively helping you earn a considerable amount of money. You will not need to learn any new skills and will have full control of your schedule. English tutors are especially in high demand as an increasing number of people around the world seek to learn the language.

Create Language Resources

There is demand for language learning resources from people who want to learn a new language. Creating and selling original content, language courses, textbooks, podcasts, and audio lessons is a great way to earn money. You can either sell the content through online platforms or create your own website from where people can buy the resources.

Work as a Freelance Translator

You can become a freelance translator if you have bilingual or multilingual skills. Consider helping family, friends and colleagues looking to expand their businesses internationally to translate marketing materials. You can also make money translating websites, books, articles, and corporate documents. Lastly, you can offer real-time translation services for international meetings and events.

Do Some Freelance Writing

Technology and globalization have led to increased demand for content in multiple languages. Look for sites that pay for freelance articles, start your own blog, write for businesses, or become a contributing writer to magazines. If you can write high-quality content, you stand a good chance of landing high-paying writing jobs.

Start a Language Blog or YouTube Channel

Establishing and maintaining an online presence will help you grow your audience. This will in turn expand the income opportunities available to you. Starting a blog or YouTube channel and posting content regularly will present earning opportunities through private tutoring, course creation, affiliate marketing and ad revenue.

Create a Language App or Game

Apps and language programs can help people who are keen on improving their language skills. These apps will enable learners to practice their language skills and improve their speaking fluency. To ensure you provide value and stand out among competition, you should hire a computer expert to create the app for you.

Become a Tour Guide

If you enjoy traveling and talking to people who speak different languages, you can become a tour guide. Multilingual skills will enable you to help more tourists and increase your chances of earning more.

Other Jobs You Can Consider

There are several other jobs you can consider if you want to make money from your knowledge of a second language. You can work as a flight attendant, in an embassy, as a brand specialist or take up a linguist job in the military.

This list is by no means exhaustive; there are many more ways to make money with your language skills.

Smiling man surprises his girlfriend with present at home.

9 Affordable but Meaningful Gift Ideas for Valentine’s Day

Valentine’s Day is just around the corner, and you might be feeling stressed about how you can fit a gift or celebration into a tight budget. There are ways to express your appreciation without busting the budget or appearing cheap. Check out these nine affordable but meaningful gift ideas for Valentine’s Day.

1. Bonobos Riviera Face Mask

Here’s a Valentine’s Day gift we never thought we would need. But in today’s pandemic world, the face mask has become a necessity. Why not make it stylish? Bonobos is selling reusable face masks that are affordable and stylish. They come in packs of three, are two-ply, with a cotton lining and over-the-head elastic straps. They also have a pocket for storing an extra filter. The masks come in four styles and sell for $25.

2. Lip Sleeping Mask

Long-term mask-wearing is creating skin irritations for many wearers, including dry lips. Even someone who never thought about a moisturizing lip mask may appreciate this gift today. Laneige Lip Sleeping mask includes hyaluronic acid for hydration, Vitamin C, and antioxidants to prevent dryness. They come in five flavors and can be purchased directly from the company’s website, Amazon, or Sephora. Prices range between $22 – $24.

Sur La Table Online Cooking Class

This gift could be great for both of you. After almost a year of cooking at home, you might be ready to shake things up a bit in the kitchen. For only $29, you can take a class and begin learning how to make great gourmet meals at home. You may never go out again.

Bath Bomb Gift Set

A bath is always a perfect way to relax. And after a day of remote work and distance learning, a bath could be a lifesaver. Bath bombs provide bubbles and color. You can find a gift set of 12 bath bombs on Amazon for $26.80.

Craft Beer Club Subscription

This one is a little more expensive, but a Craft Beer Club subscription will keep your loved one stocked with 12 or 24 beers every month. You select how frequently shipments arrive. Each delivery includes four different styles of beer from two US breweries. Every month the selection changes. A subscription costs $44.75

Personalized AirPods Case

An AirPods case is a perfect gift for someone who always loses his or her Airpods. The case can be customized with initials or their name and is available in four different colors. You can find the personalized AirPods case on Esty for $22.90.

Heart-Shaped Mini Waffle Maker

What better way to say I love than you than with heart-shaped waffles? Amazon.com is carrying heart-shaped mini waffle makers for $25.48.

Flavored Chocolate Truffles

Yes, chocolate is still in, but you don’t have to spend a fortune. Nordstrom.com offers flavored chocolate truffles in a gift box for $30.00.

Aromatherapy Shoulder Wrap

A shoulder wrap from Nature’s Approach will help ease shoulder muscles from all the extra time spent on digital devices today. It’s a great way to relax too.  The wrap warms up in the microwave, or you can place it in the freezer for a cooling down. The wrap emits a scent of blended spearmint, lavender, and chamomile to make it feel like a spa. You can find it on Amazon.com for $24.00.

Bottom Line

The most meaningful gifts are free. Spend time together. Make a simple meal at home and play your favorite games. Create a coupon book that can be redeemed for chores, massages, dinners, or trips to their favorite venues.  These days, quiet, relaxing, stress-free time together is probably the most affordable and meaningful gift you can give.

Pizza Slice lift

National Pizza Day Deals in 2021

Are you ready for National Pizza Day? Did you know there was a National Pizza Day? There is, and it’s today, on February 9th! Forget Taco Tuesday and get ready for Pizza Tuesday.

First Some Pizza Trivia

  • Of all US restaurants, 17% are pizzerias.
  • The first pizzeria that we know of opened in Naples, Italy, in 1738 under the name Antica Pizzeria.
  • America’s first pizza restaurant opened in 1895 in New York City. Gennaro Lombardi was the owner.
  • The most popular pizza is pepperoni. Almost 36% of all pizzas ordered come with this favorite topping.
  • More than 3 billion pizzas are sold every year in the US, plus another 1 billion frozen pizzas.
  • On average, the average American consumes 23 pounds of pizza every year!

Because the 9th falls so close to Valentine’s Day, some pizza restaurants are creating heart-shaped pizzas. You’ll find them at Pizza Hut, Papa Johns, and Papa Murphy’s. If you prefer your pizza round or square, you’ll find plenty of money-saving deals to like this year.

Here’s Where to Find National Pizza Day Deals in 2021

Marco’s Pizza

Buy a large pizza, and you get a free medium pizza. You’ll need to use a promo code when ordering: BOGOCHZ.

Einstein Brothers Bagels

Yes, it’s not just bagels at Einstein Brothers Bagels. To celebrate National Pizza Day, they’re offering two slices of Pizza for only $3. Also on special is the Family Pizza Bagel Box for $5, half off the regular price. Inside is four pepperoni and four cheese pizza bagels.

Olive Garden

Pizza is not the specialty at the Olive Garden. However, to celebrate the day, the restaurant offers one entre and the second for $5 on National Pizza Day.

Dominos Pizza

Carryout pizza, up to three toppings, you choose from five different crusts, for only $7.99. If pizza doesn’t satisfy everyone, you can order boneless chicken breast or a 10-piece bucket of chicken wings. And for dessert lovers, Domino’s has Marbled Cookie Brownies. Specialty and extra-large pizzas are not included in the deal.

Papa John’s

Order Papa John’s new EPIC Stuffed Crust pizza with a single-topping, and you only pay $12.

Pizza Hut

Papa John’s is not the only restaurant with a new pizza offering. You might want to check out Pizza Hut’s new Detroit-style pizza. A vine-ripened tomato sauce and loads of cheese top four new pizza styles: Supremo, Double Pepperoni, Meaty Deluxe, and Double Cheesy. All are for $10.99, available for curb-pickup, carryout, or contactless delivery.

Chuck E. Cheese’s

A couple of money-saving specials are available at Chuck E. Cheese’s. If you order a large, single-topping pizza, you get a free medium pizza. And, if you use DoorDash, you get free delivery.

Hungry Howie’s

Not all Hungry Howie’s pizza chains are participating. If you have a restaurant near you, it would be best to call and confirm. Participating locations are offering a large 2-topping pizza for $10.99.


You’ll need to check with your local Grimaldi first. Not all locations are running a National Pizza Day deal in 2021, but for those that are, take advantage of an 18-inch cheese pizza, house or Ceasar salad, and a slice of cheesecake for $25.

Blaze Pizza

Order online, and you can purchase a large, single-topping pizza, your choice of cheese, sauce, and bottled drink for $10. Or, you can order two large, single-topping pizzas for $20.

Little Ceasars

National Pizza Day at Little Ceasars lasts until February 28th. Order online, and you’re eligible for a large, three-topping pizza for $6.99. Stuffed crust, deep dish, and thin-crust pizzas are not included in the special.

Celebrate National Pizza Day at Home

If you don’t feel like going out or ordering delivery, celebrate at home with the family and try out some crazy pizza recipes, like

  • Peanut Butter BBQ Chicken
  • Beer Bread pizza
  • Taco Naan pizza
a model two-story house with twenty dollar bill and a piggy bank

Five Tips to Save for a Mortgage Down Payment

Many people struggle to save up for a down payment, let alone purchase a new home. Homes can get expensive, so the initial down payment may seem like a serious hurdle for you to overcome. After all, you need to cover your other expenses, necessities, and costs while saving your money. If you need help when it comes to saving money for a mortgage down payment, we have five tips for you.

Create Your Goal

If you want to save money for your down payment, you need to figure out your goal. This will involve identifying how much money you need for the mortgage down payment, how long it will take to save up, and when you want to achieve it. By creating a goal for your down payment, you can work towards it and give yourself that motivation to start saving.

Budget the Down Payment

Part of the process will involve budgeting the down payment. This means you will need to create a budget that allows you to save money so you can reach your goal. For example, you can cut back on how much money you spend on entertainment and technology to save more money for that down payment. This way, you will know the amount of money you need to attain that goal in a reasonable amount of time.

Utilize Savings and Checking Accounts

You may feel tempted to spend your down payment savings at times. If you want to avoid this, you should take advantage of the savings and checking accounts you can create through banks. By doing this, you will reduce the risk of spending your down payment savings on anything else. On top of that point, you can also see how much money you have saved up based on the amount of money in your savings account.

Skip Vacations

While vacations can be nice, you may want to skip them if you plan to save money for a down payment. When you skip your vacation, you should put that money aside towards the payment. After all, skipping your vacation will become pointless if you end up spending it on something else. This will give you a noticeable boost in your savings towards your future home.

Put Your Cash in the Bank

Whenever you get some cash, you should immediately put it in your bank account. Having cash in your pocket increases your odds of making an impulse buy since you have the cash available. However, if you transfer it into your bank account, it won’t become a lingering temptation that sits inside your wallet or purse.


Getting the money needed to make a down payment may pose some problems, but these five tips will help you save that money. If you want to make a down payment, you need to make it a priority and work towards it. Otherwise, you will continue to put it in the back of your mind, so you may never get around to saving your money. Use these five tips and save that money to help you get a house of your own.


a couple at home

7 Steps to Take After You Become Debt Free

Congratulations on becoming debt-free! It is an accomplishment that few people achieve. You should feel proud of yourself for taking the final step to accomplish a debt-free life. Now, here are seven must-do goals after you become debt-free. Are you ready? Let’s Go!

Take a breather

The first one is a nice, easy one to do. We say this because, again, you accomplished something very few people do. Taking a breather means, give yourself a little break from the grindstone. That grindstone you have been working on for however many months and or years is now a piece of grit. Most of us who do not have debt did this first, similar to how people during the 20th century did mortgage burnings.

Have a financial plan

Once you come back from that breather having spent very little, it is now time for new plans. New financial plans to be exact. You feel secure in your job and can make some plans for the future. Here are a few steps.

Take out your last paycheck or look at it online. You saw how certain amounts went to your bank, how much was paid for taxes and social security, and whatever other fees. How much is left? Were there other fees taken out? Do you know why you have each one of those fees? If you do not know, write down each one of those fees and make a list of what you need to find out.

Now, figure out your monthly housing, utilities, insurance, and groceries. These numbers should not be too much different month to month. Subtract those numbers from your net paycheck (after taxes and fees). This is the money that you can use for the next steps.

Whichever method you use, whether it is on a laptop or paper, put down your savings, your paycheck net amounts each time, and the monthly bills. Figure out how many paychecks it takes to pay those first. Then see how much money you have if you did not spend anymore. This is your savings.

Increase your rainy-day fund 6-12 months

You know how much you make each month because you figured that out above. Now you take the monthly net amount before paying your bills but after the taxes and fees and multiply it by six. Note that number. Then multiply that number by two. Note that larger number. The first step is to save for six months of your net income. The second step is to save for 12 months of your net income.

Give Yourself Little Rewards

Each time you set a goal in your financial plan and your rainy-day fund, give yourself a little reward. It might just be a special snack, book, or movie. Whatever it is, you are using it to reward yourself for your accomplishment.

Start investing in your future

Once you have the rainy-day fund for 12 months and you are paying your bills on time and in full, then you can start to invest in your 401K. If your company does not have one, see if they can separate your paycheck to two separate accounts, one for an IRA (Individual Retirement Account) and one for your regular bank. If they cannot do this either, then it will be up to you to find your system.

First, learn as much as you can about the different investment possibilities. You should do this anyway, whether the company has a 401(K) or not. Go to places like Motley Fool or use library books to learn about the different terminologies.

Your goal is to have after the rainy-day fund is fully set aside, is $6,000. Why this amount? This is the IRA personal account money that you can do in a single year. When you have a 401K through your employer, you can invest $19,500 in a single year.

Increase your skillset to get a job with 401(K) benefits

After seeing the amounts that could be saved with an employee 401K, I bet you are slightly confused. Why can’t you put in almost 20 thousand into your retirement, you ask? It is because companies rather than individuals get discounts on their taxes to give employees these benefits. Some companies cannot do this because they are too small, or they do not know how to make it.

While you can certainly try to see if your company could create a 401K program, you could also work towards creating a better job for yourself. Use some money for investments to learn new skills. You are investing in yourself and that is important.

Find a Job with a 401K Match

Once you have found a job with a 401K match, start putting in 10% or whatever you feel you can, without feeling the pinch. Then each time you get a raise, increase the amount based on that percentage.

You are now on your way to staying debt-free and investing in your future. Congratulations!

man at cafe working on laptop

11 Work from Resources for People with Disabilities

According to the CDC, 61 million adults in America are living with a disability. A lot of people with disabilities know that working from home has been around for years and has given them back a feeling of independence and self-esteem. Unfortunately, too many people with disabilities do not know that this is a thing, and it definitely is.

If you’re currently receiving Social Security or Social Security Disability benefits, and you’re ready to return to work and gain back some of your independence, then continue reading. Below is a list of Work from Home resources and companies to help get started.

Resources for People with Disabilities

  1. My Employment Options (MEO)– A national Social Security Administration (SSA) Employment Network with the Ticket To Work Program. MEO assists people with disabilities to find work at home employment, free of charge.
  2. NTI@HOME– A non-profit National Telecommuting Institute and also an authorized Social Security Administration Employment Network that helps train and assist people with disabilities in finding employment.
  3. LandAjob – Helps currently employed disabled Americans get cash reimbursements of up to $13,000 over a 3-5 year period for work expenses. Disabled Americans looking for a job can also receive resources to help them find one.
  4. Cancer and Careers– Anyone diagnosed with cancer who needs career advice, tools, and tips about working online.
  5. Lighthouse for the Blind and Visually Impaired– An organization of state and local chapters that offers work from home job assistance to blind people.
  6. CareerConnect – The American Federation of the Blind helps visually impaired people learn how to reboot their careers after losing their vision.
  7. Pennyhoarder work from home jobs portal– For new remote opportunities, check here.

For People with Visual Impairments

  1. Project Starfish– An employment platform that helps visually impaired people with job training and networking to be able to work from home in sales or social media marketing.
  2. Business Enterprise Program– The program provides visually impaired people with priority access to training on how to run food service facilities in federal and state buildings.

Social Media Evaluator

  1. Search Engine Evaluator
  2. Appen
  3. Lionbridge

Data Entry for People with Hearing Impairments

  1. Clickworker
  2. The Smart Crowd

Do You Love to Talk and Socialize?

  1. Foreign Language Interpretation
  2. Customer Service
  3. Mystery shopping
  4. Tutoring

Use Your Writing Skills for Transcription Work.

You could be transcribing law enforcement, legal, interviews, or medical field files. If you are a typist, this could be for you.

  1. BabbleType – You need no experience to work for this company, however, you must watch a short video and pass a test in order to be hired.
  2. Castingwords – You must be at least 18 years of age, and open to a flexible work schedule. No experience is needed.
  3. Scribie – Must understand American, British, Australian and Indian accents, and be fluent in spoken and written English.

Are You a Great Internet Researcher or Virtual Assistant?

  1. Wonder– Virtual assistant company that hires researchers to answer all types of questions.
  2. Fancy Hands– A platform that hires virtual assistants to assist customers with tasks such as research, making and canceling reservations and services, transcription, typing, spreadsheets, and other types of tasks. Assistants can sign on to work whenever they want.

What About Owning an Online Business?

If the jobs available online do not interest you, check out these ideas:

  1. ECommerce – Starting an online business may, since you can manage it 100% from home.
  2. Affiliate Marketing– Promote products on your website and earn a commission whenever your referral purchases something.

Teachers — Have You Ever Thought About Selling Your Lessons?

  1. Teachers Pay Teachers
  2. Teachers Notebook
  3. Teachwise
  4. Gradiate– Get up to $25/hr. For Grading Middle School Essays

Survey Sites — Up to $15 Sign-up Bonuses

  1. InboxDollars
  2. Swagbucks
  3. Vindale Research






Mugs for tea or coffee, wool things near cozy fireplace.

8 Brilliant Winter Life Hacks You Should Know

Along with cold weather comes the stress of managing everyday problems that would otherwise be simple to resolve. Icy windshields, colder homes, and boredom from staying indoors are just a few trivial things we’d rather not deal with. Check out these eight clever techniques that will solve your winter problems efficiently.

Use Citrus Skin as Fire Starters

Oranges are typically harvested in winter, so we know you’ll be eating plenty this season. Liven up your home with a fresh citrus scent by throwing a handful of peels into your fireplace and lighting up. Do this by saving them after you eat and letting the peels dry out for a couple of days near the fire or in an oven at a low temperature.

Keep Litter in Your Trunk

Yes, kitty litter should be kept in the trunk of your call all winter in case of emergency situations where your tires are stuck on ice. Sprinkle around the tires that are stuck for better traction on getting out. This hack may end up saving you money for having to call for help.

Home Remedies

Keep a stash of home remedies and ingredients on hand, just in case you are hit with the flu unexpectedly. Elderberry extract has been found to reduce the length and severity of symptoms caused by the influenza virus (seek recommendations from your doctor). Ginger is also effective at managing stomach and digestive issues (make your own tea using this super easy recipe). And of course, fresh vegetable juice, fruits, and water are essential to staying hydrated.

Draft Stoppers

Save money on your heating bill by purchasing a draft stopper for your front door. To save money and give yourself a project while cooped up inside, try making your own DIY draft stopper.

DIY Slip-Proof Shoes

Perhaps your current pair of boots or shoes are too comfortable to throw away, but they’ve lost traction. Try slip-proofing your own shoes by adhering sand or salt to the soles using this spray. This isn’t a permanent fix but works for the shoveling boots that otherwise sit in the basement. We can’t wear boots every day, so try sanding the bottoms of your work flats for better traction when you walk to your car.

Drying Your Shoes

Avoid the musty smell of shoes or boots that have sat out all night to dry by crumpling up newspaper and sticking it inside. Even the dryer can wear heavily on shoes, so using newspaper is a much more efficient method.

Cover Windshield Wipers

We all know the frustration of putting in the work of clearing off your windshield just to sit back in your warm car and have the ice from your wipers smear everything back up. Try putting knee-high socks onto the wipers so that ice doesn’t build up overnight.

Removing Sweater Pills

Sweater weather is always a fashionable season however, not when they accumulate pills and fuzz all over. Grab a razor or a small pair of scissors and gently scrape it over the sweater. To prevent pilling, turn the sweater inside out, use dye-free detergent, gently wash, and lay it out flat to dry.

These life hacks are cost-efficient ways to solve trivial problems. Don’t throw away your shoveling boots if all you use them for is just that– shoveling; and don’t throw away sweaters just because they look too worn. There’s always some kind of hack for your problems, and we at Atlas Debt Relief love providing new tips on saving money.


teenager puts money into piggy bank

7 Ways to Make Money as a Teenager

Ryan Kaji has raked in almost $30 million from his YouTube channel. He has more than 40 million subscribers who tune in to his reviews of toys, family outings, and science experiments. He was recently featured on Forbes and was named the highest-earning YouTube star of 2020. Ryan Kaji is nine years old. Not everyone will experience Kaji’s success, but there are some reliable ways to make money as a teenager. Here are 7 to get you started with your planning.

1. Social Media Influencer

One of the top ways to make a lot of money as a teenager is as a social media influencer. What does it take? You need to have personality, a following, and the ability to create engaging content. What you post must be authentic, so your followers trust you. Contracts are required, so parents should be fully involved in the process. Like everything, it takes work. Find a niche, something you love and don’t mind talking about on your channel. Pick a social media platform, YouTube is one of the largest, but it might be better to break out on a newer channel such as TikTok or Snapchat. Start building followers, which will happen if you create high-quality, engaging content. When you’re ready, add a note to your bio that you’re open for collaboration, and start contacting brands you like.

2. Food Delivery

Usually, a list like this would include working in a restaurant, which has been a mainstay job for teens for decades. Today, with restaurants offering limited seating, delivery, or take-out only, you won’t be able to make as much money as you could pre-COVID-19. On the flip side, a new opportunity has opened–food delivery. You need a car and a driver’s license. Delivery people get an hourly wage, plus tips from satisfied customers.

3. Online Surveys

Completing online surveys is an easy job. The pay depends on how much time you put into it. There are scams out there, so you need to be careful. Survey Junkie, and Swagbucks, for instance, are legitimate sites. You can complete online surveys between Facebooking or watching the latest posts on TikTok.

4. Tutoring

Many parents look for tutors to help their children master difficult subjects. If you have excellent grades, especially in science and math, you should have little trouble finding a job as a tutor. You set your rates and schedule and get paid at the end of each session. Word of mouth is the best way to market your tutor business. But you can also put up notes on community boards, such as the grocery store, and use your digital network.

5. Yard Work

If you live in the suburbs, there’s always plenty of yard work to be done. You’ll have year-round employment. Check out the NextDoor app to locate people nearby looking for yard help. Make your prices competitive, and you’ll quickly become a favored vendor.

6. English As a Second Language (ESL)

You don’t have to speak the language of your students to be an ESL teacher. If you like to teach and look forward to meeting people from different cultures, ESL could be a great way to make money as a teenager. You can teach through online ESL platforms or market yourself.

7. Blogging

Do you like to write? Find something that teens are interested in and start blogging. Or you can make it a personal blog about your daily challenges. Build a following and then monetize your blog. It takes time, like building a following on social media. But once you’re up and running, you can monetize by running ads or doing affiliate marketing.

Bottom Line

There are lots of ways to make money as a teenager. How much you earn depends on your commitment and persistence. Always carefully check out online sites and involve your parents in all social media influencer projects.

Woman reviewing her finances

What’s the Difference Between Good Debt & Bad Debt?

Are you making your 2021 financial goals? Is debt reduction on there? Probably this is a goal of most Americans, and it’s a good one. However, all debt is not bad, as long as you can make the payments. What’s the difference between good debt and bad debt?

Simply put, good debt is money invested in you. Bad debt is money invested in creditors. But it’s not so black and white. And without good financial habits, even “good debt” can turn into “bad debt.”

Good Debt

Taking out a loan to cover the cost of something that increases in value over time and improves your life is considered good debt. Student loans, mortgages, and business loans fall into this category. An auto loan might also be good debt if it’s going to get you to a better paying job or helps you join the gig economy.

Debt can be good if you’ve done your homework and have answered the most critical questions. Why do I need it? Can I afford it? What is my plan for paying it back?


Buying a home has always been one of the safest investments to make. Over time, you build equity in your home, and if you decide to sell, you’ll get a return on your initial investment and even make money.

Home Equity Line of Credit

A home equity line of credit can be good debt, assuming you have the cash flow to pay it back. Making repairs or improvements can add to the value of your home, ultimately netting you a higher return when you decide to sell.

Student Loans

Probably the hottest topic today is student loan debt. Few people can finance their education without borrowing money. Obtaining a college or other post-high school degree can improve your job prospects and long-term income potential. However, if you borrow more than your expected salary, you could find yourself in debt for decades. The Charles Schwab Foundation suggests that you not borrow more than what you think your first-year annual wage will be.

Business Loan

Taking out a loan to begin your own business can be good debt if you have defined your business goals and objectives and have researched the market. You’ll need a good business plan and realistic financial projections for the first few years. Once your business is thriving and growing, it will return more than the loan you took out to launch it.

Bad Debt

Going into debt to pay for things that will not increase in value, that you don’t need or can’t afford is bad debt. But the difference between good debt and bad debt can be blurred by how you handle the debt.

Credit Cards

Credit cards usually top the list of bad debt. Irresponsible use of credit cards can trap you in debt for many years. Most purchases do not increase in value. Therefore, your credit card purchases are typically not an investment in you.

If you use credit cards sparingly and commit to paying the balance in full every month, credit card debt can be good debt. Today, almost all retail transactions are through e-commerce platforms. You need a credit card. If you establish an excellent track record with credit card use, it can result in a good credit score.

Auto Loans

Outside of the exceptions noted above, auto loans can be bad debt, especially if you don’t need the car and can’t afford the loan terms. Many consumers find themselves stuck with car payments they can’t afford because the vehicle was much more than needed.

Bottom Line

What’s the difference between good debt and bad debt? In truth, debt can be good or bad. It depends on how you use it. Balance transfer cards can be good debt if you pay off the balance within the introductory period. It will save you money, which is a good thing. The bottom line is to be strategic, consumer conscious, and consider alternatives to financing.