10 EASY WAYS YOU CAN EARN PASSIVE INCOME EACH MONTH

DISCLAIMER: Links in this post may contain affiliate links. Honesty above all. Please read our disclosure policy here.

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Welcome back Friends! Yes, I consider you all my friends. Why else would I be trying to help you make money?

Do you know what makes us closer? It is our goal. We all have the same goal to become rich, not just look rich. And here, I will show you how I went about to reach my goal. I personally own every single one of this accounts. Managed by me and now published to you all, so you can take advantage of it too.

Always looking to do better in life, my parents did a great job raising me, but never had anyone to really guide me in the right direction to reach my goal as a millionaire. Until one day it clicked for me! Each person has its strengths and weaknesses. So, what if I learn what each successful, wealthy person I meet, do good? Oh yeah! The results are amazing. We will start from the most profitable to the least, but don’t get that word wrong here; “least” still makes easy $30-$60 every month and I only spend about 5-6 hours each month on it. There more time you give it, the better results you will get.

Let’s get started!

1. Earn 3-8% with minimal effort

LEND LENDING MONEY INVEST INTEREST NOTES BORROW LOANS

Stop paying more on monthly fees than what you receive on interest. Become the bank and earn interest each month on your money. Just like banks, we will use one of the oldest ways to earn passive income. Through LendingClub.

Historical interest earnings are 3-8%, although there are ways to weed out possible bad loans. I like to put my probabilities on my side.

My risk, or the most I can lose if anything goes wrong is $25. My profits are much bigger than that.

So far, my readers that have the best results, are the ones that started with $5,0000 because they also get a $75 dollar bonus. That translates to 3 free loans that will earn you money and you didn’t spend a dime on them. Obviously, you don’t need to start with that amount, $2,500 is what the platform suggest be ideal in order to diversify.

Some restrictions apply. Get your account here.

2. Invest and get Free Stocks

I opened an account with this platform that is disrupting the brokerage industry by offering commission-free trading and a free stock when you open an account.

Robinhood is a U.S. based financial services company in Menlo Park, California. I make money in 3 different ways with them.

* Bought dividend paying stocks

* Capital gains

* Free stocks every time my friends join

It is a very basic platform, but it beats the purpose if you are like me. With a full time job and no time during the day to trade in and out. Slowly but steady wins the race.

Get your account here.

3. Grow your oak!

With this app I effortlessly saved $479 in 2018, profit with capital gains and dividends. Today, my account seats at $669. Not just that, but if you buy through the app at your favorite brands, you get free money deposited into your account.

Acorns is a very simple app to use and set up. It lets you save, invest, generate passive income and get cash back, all in one place.

Invest as little as $5 every month, get your round-up feature set up with you credit or debit card and get a $5 Bonus when you sign up.

Get your account here.

4. Get paid to test apps

You already use apps on your Smartphone. Now, you can also get paid to try new apps.

Appcoiner connects you with companies developing apps.

It costs thousands of dollars for app developers just to see their app fall to the bottom of the app world and never be heard of. They are willing to pay people like you, for trying out their apps and giving back an honest review. As simple as that!

Get your account here.

5. Become a Landlord without the hassle

Photo by Alturas Homes on Pexels.com

Technology can help you in tremendous ways. Today, you can become a landlord, and benefit from investing in real-estate without needing hundreds or thousands of dollars. A small $500 investment can get you started.

Fundrise is a platform for real-estate investing, that splits your money between two portfolios which support private real estate in the United States.

You can set it up for income, capital gains or a mix of both. Get paid from renters all over the U.S.

Get your account here.

6. Unlock your phone and get paid

Every morning, I get paid to unlock my phone. This app partners up with brands willing to pay people like you and I, to look at their ads.

S’more is the name of the app, and it sounds very tasty.

You can make extra money by watching short 15-30 seconds ads and doing surveys. Totally optional.

Get your app here.

7. Bank $90 for holiday shopping

One of my readers favorite and mine also. It has a wide variety of ways to make money.

Swagbucks will let you earn by watching videos, answering surveys, doing daily tasks, searching the web and many other ways.

Get a $5 bonus when you sign up and earn 2,500 SB within your first 60 days.

Get your cash into your paypal account or redeem with a gift card. Choice is yours.

Get your account here.

8. Keep walking Johnnie Walker

Photo by Jonas Mohamadi on Pexels.com

This app is aiming to help improve health by paying people to walk outside more often.

Sweatcoin is an app that lets you gain money daily depending on how much walking you do. It has different levels and daily bonus. Super easy and super simple. Get paid for walking.

Get you app here.

9. Scratch and win money from your phone

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What is more satisfying than buying a scratch-off ticket at the gas station and winning? Well, playing scratch-off for free on your phone and winning!

You can play and earn for free with Lucktastic (sorry iphoners, Android only).

Lucktastic is supported by advertising, allowing high payouts and free games. They say instant wins range from $1 to $10,000. Besides cash, there is also tokens that you earn and you can redeem free gift cards from big retailers.

Get you app here.

10. Get paid for your opinion

This app pays you to watch movie previews, celebrity videos, the latest news, searching the web but mostly answering surveys. They also have other ways to earn money but we cover that on another article.

Inboxdollars is the app we use. Availability is subject to change but it is completely possible to earn up to $200 a month from watching videos and giving your opinion.

I don’t have much time to spend on this, due to work and other projects I’m currently working on and still was able to pull $43 for January and $65 for February. Imagine what you can do if you have the time.

Easy, passive income from home.

Get your app here.

Well, there you have it. 10 easy ways you can earn passive income each month. Hope it helps.

Remember, it’s all about the road to wealth. If you liked it, pay it forward. Share it in social media and help others become successful as well. There is plenty of room for all of us. In the end, your success will only depend on you and not what others do.

Follow me on TWITTER, PINTEREST, INSTAGRAM, LINKEDIN, FACEBOOK for more posts and updates.

If you have any questions, you can reach me at questions@road-to-wealth.com

GANA DINERO DESDE TU TELÉFONO

DISCLAIMER: Los enlaces en esta publicación pueden contener enlaces de afiliados. Honestidad sobre todo. Por favor lea nuestra política de divulgación aquí.
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Necesitamos varias cosas para hacernos ricos. Disciplina, trabajo duro, conocimiento, motivación y determinación, y hasta cierto punto, suerte. Hoy vamos a relajarnos en casa y ganar algo de dinero con nuestros teléfonos. Diviértete mientras estamos en ello.

¿Qué es más satisfactorio que comprar un boleto para raspar en la gasolinera y ganar? Bueno, ¡jugar rasca y gana gratis en tu teléfono y ganar!

Puedes jugar y ganar gratis con Lucktastic (lo siento iphoners, solo Android).

Lucktastic es sostenido con la publicidad, lo que permite pagos altos y juegos gratuitos. Dicen que las ganancias instantáneas varían entre $1 y $10,000. Además del efectivo, también hay tokens que ganas y puedes canjear por tarjetas de regalo gratuitas de grandes minoristas o participar en concursos. En los concursos diarios puedes ganar tarjetas de regalo, comida gratuita durante un mes, gasolina gratis durante un mes o convertirte en millonario con el concurso millonario.

También puede canjear su dinero en efectivo. Necesita $10 o más para un cheque. De $5 a $9.99 puede obtener una tarjeta de regalo instantánea. Obtenga una tarjeta de regalo de visa con $100 o más. Consigue una bonificación por invitar a tus amigos.

Consigue tu aplicación aquí.

Recuerda, se trata del camino a la riqueza. Si te ha gustado, pagalo adelante. Compártelo en las redes sociales y ayuda a otros a tener éxito también. Hay mucho espacio para todos nosotros. Al final, su éxito solo dependerá de usted y no de lo que hagan los demás.

Sígueme en TWITTER, PINTEREST, INSTAGRAM, LINKEDIN, FACEBOOK para más publicaciones y actualizaciones.

Si tiene alguna pregunta, puede comunicarse conmigo a questions@road-to-wealth.com

WIN MONEY FROM YOUR PHONE

DISCLAIMER: Links in this post may contain affiliate links. Honesty above all. Please read our disclosure policy here.
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We need several things to become wealthy. Discipline, hard work, knowledge, drive and motivation, and to certain extent, Luck. Today we are going to relax at home and make some money from our phones; and have some fun while we are at it.

What is more satisfying than buying a scratch-off ticket at the gas station and winning? Well, playing scratch-off for free on your phone and winning!

You can play and earn for free with Lucktastic (sorry iphoners, Android only).

Lucktastic is supported by advertising, allowing high payouts and free games. They say instant wins range from $1 to $10,000. Besides cash, there is also tokens that you earn and you can redeem free gift cards from big retailers or enter contests. Daily contests you can win gift cards, free groceries for a month, free gas for a month or become a millionaire with the millionaire contest.

You can also redeem your cash. Need $10 or above for a check. From $5 to $9.99 you can get an instant gift card. Or get a visa gift card with $100 or above. Get a bonus for inviting your friends.

Get you app here.

Remember, it’s all about the road to wealth. If you liked it, pay it forward. Share it in social media and help others become successful as well. There is plenty of room for all of us. In the end, your success will only depend on you and not what others do.

Follow me on TWITTER, PINTEREST, INSTAGRAM, LINKEDIN, FACEBOOK for more posts and updates.

If you have any questions, you can reach me at questions@road-to-wealth.com

HOW TO BUILD AN EASY, S.M.A.R.T. BUDGET

DISCLAIMER: Links in this post may contain affiliate links. Honesty above all. Please read our disclosure policy here.
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My friends! We have a simple goal here, and the goal is to become rich, not just look rich. So, how do we get there? Well, you have to put your money to work for you. In order to do that, you need to ensure that every single cent that you receive as income has a job to do.

But Joey, what does that mean? It means that you have to prepare a plan, follow that plan and tweak it as necessary. If you still don’t understand or don’t know how to budget, don’t be ashamed. You are not alone!

What I learned from wealthy friends is, they know how much they will make, they know how much has to go towards paying the bills. They also know how much they want to save and invest. Finally, they know how much they will have for fun. Yes, when you prepare your budget, ensure to account for some fun and entertainment too.

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Let’s begin with the basics. Before we draw our map, we need to understand what we are doing. We will definitely not learn this on Instagram or Twitter. You have several options. If you know Excel, you can do this a lot quicker than most since the formulas will help you automate the results. If you are not tech savvy, then you can write it on paper and will probably need a calculator to plug in the numbers and results.

What is a S.M.A.R.T. budget? It is an easy acronym that helps you remember what is important when you are planning and preparing your budget.

Specific – you need to be specific with your financial goal and know what do you want to do with your money. That includes short term (buying something now) and long term (plans for retirement).

Measurable – as you go, you want to see your progress. That is how you will know if you need to step it up or just keep going with the flow. It will also help you see if you overspent or under spent and where.

Achievable – In order for you budget to be successful, it needs to be achievable. If necessary, you can examine your budget at the end of the month to compare your projected numbers against your actual numbers. Make adjustments as you go and if necessary.

Realistic – you need to be honest. For example, you plan to spend $20 eating out at your favorite restaurants but you know you like to order Dominos, take friends or family to Burger King and pay for them, and end up at the Chinese buffet to end the week. Know your tendencies and patterns.

Time-oriented – In order to achieve your financial goals and meet your timeline, you need to break down the big goals into small steps that will gradually take you to where you want to be.

Now that you have a better understanding of what a SMART budget is, know that making your budget is just the first step. You need to keep planning. Discipline and perseverance will help you sustain it and improve it.

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Few tricks to making a budget that works are:

* Ensure every penny of your income has a job to do. If you don’t account for every cent you make and don’t give it a job before you even receive it, that penny will find a place to land and most likely will not be where you want.

* Do not charge your credit cards more than you can afford. A big problem is that many of us use our credit cards when we already used up all of our cash. But we are wrong. The right way to use a credit card, is having the funds available in your account. That way it won’t hurt you when it’s time to pay off your card. A rule you can use is the rule of 7. When you are tempted to buy something, wait 7 days. Then ask yourself again if you still want it. More than likely you won’t.

* Review your budget several times for adjustments. You want to have this budget ready before you get paid. Do not wait until you start paying your bills, or your money will have control over you instead of the other way around. It is essential that you sit down, review your budget and make adjustments. Stay on top of your game. The great MLB hitters, are the ones that prepare for the pitcher they will face. They don’t wait until the pitcher is on the mount to ask for a scouting report.

* Know how much money you have at all times. Staying with the MLB analogy, life is great at throwing us curve balls. We need to know what we have in order to prepare for the unexpected things that happen every month.

* Always track your spending. Your rent, car loan, and some other bills rarely change. We know we won’t overspend there. But dining out, buying groceries, buying on vending machines at school or work can throw us off. By the way, get cash back and great offers in groceries with Ibotta. Just register for free and see how much you will save each month.

Without further ado, let’s see how a budget should look like. At the beginning of the month we use projected numbers but at the end of the month we use actual numbers to know what adjustments are needed.

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Let’s begin with:

Projected income:

All of your income, paycheck, wages or whatever and add any extra income you make, like answering surveys online, washing cars, paint houses, cut grass, etc.

Projected Housing expenses:

Mortgage / Rent, Phone, Electricity, Gas, Water and sewer, cable/internet, waste removal, maintenance or repairs, supplies, other

Projected Loans:

Personal loan, student loan, credit cards, etc.

Projected transportation expenses:

Vehicle payment, insurance, gas, maintenance, other.

Projected savings:

Savings will vary by individual needs. You can use a percentage of your income. If you choose that option, then do this step first before anything. Other option is use a specific amount. Option three is take an amount from what is left after paying all bills.

Projected entertainment:

Movies, concerts, sporting events, other.

Projected balance:

This is what you projected as your income and subtract all the expenses and savings. Ensure this number is positive. This is the amount that you will have left for your personal use or whatever you decide to spend it on.

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Tools used to aid with budgeting:

Acorns – automated savings, investing and cash back rewards, rolled into one. Just $1 monthly fee. (full report)

Credit Sesame – raise your credit score and follow their tips. You will be able to get lower rates in future loans, hence pay less and save money. (full report)

Fundrise – easiest way to save and grow your money while become a landlord without the hassle. Best part is you can start with only $500. (full report)

Gabi – is a service that will help you find the lowest price you can find for your car insurance. I saved $936 when I switched. And it took me no more than 10 minutes. (full report)

Ibotta – Save on groceries, get offers and rewards every week. Bonuses and cash back. (full report)

Inboxdollars – watch videos, answer surveys, search the web, get paid, transfer to your paypal account. I use it for extra income (full report)

Lucktastic – extra income, scratch digital lottery tickets, join different contests to win free groceries, free gas, or cash. (full report)

Swagbucks – extra income, get paid to watch videos, search the web, answer surveys and much, much more. (full report)

LendingClub – is my number one (#1) choice to save, and grow your money substantially. But, it is restricted to the United States and some states can’t invest either. Cross your fingers your state is in and not out. Also, you will need some money saved to begin. In order to get all bonuses, you need to begin with $5,000. If you don’t want the bonuses, the it is recommended you begin with half of that. (full report)

Paribus – will verify your emails, keep track of the price you paid for items and get you money back when the item’s price drops. Also, can get you compensated when your shipment is late. Everything while you sleep or go about your day. (full report)

Robinhood – my number one platform for trading. Commission free and simple. Plus get a free stock like Amazon or Coca Cola when you sign up. (full report)

S’more – easy extra income, download to your phone, get paid every morning when you unlock your phone. Get extra points when you watch videos or complete surveys. Redeem prices. (full report)

Sweatcoin – more extra income, download to your phone, get paid to walk outside your house or building. The idea is to give incentives to individuals while helping them to get or stay in shape. (full report)

Truebill – save on monthly bills and stop overpaying for them too. This app will search for refunds and it will also negotiate on your behalf to get better deals. (full report)

Wish.com – Is my favorite site to buy items coming from China, cutting the middle man out of the picture. Cheaper than Ebay, Amazon, Walmart, you name it. Use code: PJXXZYH (full report)

I will leave you with a picture so you know what it needs to look like. At the beginning of the month is going to be projected, but ensure that you keep track of your numbers throughout the month and do it again at the end of the month with your actual numbers. That  is how you know, what type of adjustments you have to make. Also, modify it as necessary. Everyone’s circumstances are different.

Hope it helps! Leave your comment below.

Remember, it’s all about the road to wealth. If you liked it, pay it forward. Don’t forget to share it in social media and help others become successful as well. There is plenty of room for all of us. In the end, your success will only depend on you and not what others do.

Follow me on TWITTER, PINTEREST, INSTAGRAM, LINKEDIN, FACEBOOK for more posts and updates.

If you have any questions, you can reach me at questions@road-to-wealth.com