Tag Archives: cash

Trick Yourself into Saving More Money

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While you may not have gotten a raise, you can still save more money if you introduce smart saving habits into your daily lifestyle. Being able to save really just means you take a closer look at the ways you manage and spend your money, then find avenues for putting cash away. Creating rules to follow and developing smart habits will change the way you think about your cash flow, and can be a great way to trick yourself into saving more money.

Use Cash

Striving to use only cash will cause you to force yourself to pay closer attention to how much money you really spend every time you go out, to the grocery store or clothes shopping. The trick is to put your plastic away so you feel like you don’t even have it to use. You may also want to consider removing your credit cards from easy pay and 1-Click settings from your online accounts to make it harder to make purchases. You might be surprised at how much less you want an item you see online when the added difficulty of typing in your 16-digit credit card number is in your way.

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Check Your Credit Card Statement Every Month

Your credit usage may have run away from you because you are like the thousands of other people who do not check their credit card statement every month. Looking at how much money you spend and the places you spend it is a good way to make yourself think about your choices in a more deliberate manner. Seeing that you spent $80 at the bar instead of the $40 you planned may shock you into being a little more careful next weekend, or realizing you spend half of your paycheck on new threads may encourage you to create a budget for your wardrobe.

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Good Things Come to Those Who Wait

Attorney Leslie Tayne who writes for Fox Businesses advises you wait five days before making a big purchase. While that hot tub sale is enticing, give yourself five days to ponder whether a hot tub purchase is really in line with saving for your kids’ college tuition. Thinking about what you want to buy is a great way to prevent yourself from spending too lavishly on items you don’t need. A bonus benefit of waiting to buy something is that it gives you a chance to find a better deal, whether you look online or in competitors’ stores.

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Ignore Extra Income

Even though your surprise income may look like it has “jet-ski” written all over it, try instead to imagine it saying “Save me!” and put it away into an account you don’t use immediately. Tayne advises that you only rely on the money you make regularly to make big purchases. That means you should take that big fat tax refund or even the $10 you found in the parking lot and put it toward debt or into a savings account. Extra income is anything outside of the realm of your weekly or monthly income, including cash you make from selling your unneeded wares, (like diamonds that you sell with us!) By putting that extra cash away, you’ll never be tempted to dump it down the drain on something you don’t need. The unexpected kind of money is best spent by not spending it at all.

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Automate Everything

Investopedia advises against taking care of your financial business on a day-by-day basis. Instead, get your employer to deposit portions of your paycheck not only into your checking account, but into your savings account and IRA as well. In addition, set up your credit cards to pay off the balance each month, not just the minimum. A penny paid off is a penny and a half earned in the credit world, because each time your balance equals zero, that means you don’t have to pay annoying off bank fees later in life.

Saving money is really just about changing the way you look at money. If you don’t let it burn a hole in your pocket and instead let it burn a hole in your debt or build your savings, you’ll be on your way to securing a bright financial future in no time.

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Even MORE Ways to Make Quick Cash

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So we’ve done quite a few posts on how to make super fast cash in a super fast manner; to the point it seems we’ve fully exhausted the subject matter.  Alas, we have vouchsafed all of the traditional methods available to most people, from selling blood to selling yourself as a bud.  Now, however, we’re going to delve a little deeper into the weird world of inordinately expedited fiscal procurement.

found in translation

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Were you raised by Astonian grandparents who inadvertently taught you your ancestral tongue as they routinely prepared goulash?  Were you an overachiever in high school who learned how to parlez vous Français like Gerard Depardieu?  Can you proficiently fake your way through a full on Spanglish ordering session at Taco Bell?  Que bueno!  Put those linguistic skills to use and pick up some lucrative part time work as an interpreter, translator or language instructor to a spoiled child whose parents want him to learn Sentinelese.  To turn your tongue to funds, take a gander at this site jobs-to-careers.com, capishe?

rep-resent

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If you actually enjoy talking on the phone (unlike most currently living humans), but hate leaving your home (either from agoraphobia or an intense proclivity for Netflix), you can get paid to chat.  Customer Service chat, that is.  Become a rep for one of the many large corps that hire stay-at-home homies (West at Home & Alpine Access are two major organizations always on the lookout for homebody chatters).  So pick up that receiver and use your gift of gab to nab some swag.

 

opinion-compens-ated

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Have no discernible talents but LOTS to say about things?  Super duper; you are ready for a career in the fast paced world of Survey-Filling…Out.  Another task you can complete from the comfortable milieu of your own domicile, survey completion typically takes about 20 minutes.  The pay seems not so stellar (roughly 3 bucks a pop), yet if you bang out 3 in an hour, you’ve just made 9 clams – just for stating your preferences in deodorant scents or type fonts (please don’t ever pick ‘comic sans’).  The more reputable online survey companies include Ipsos, Pinecone Research and Viewpoint Forum.  Other exist as well, but make sure you do your due diligence and don’t sign up for any potentially scam-my ones ($3 = not worth having your identity stolen over).

sweeping up

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“It’s Sweeps Week!”  Yes, that is what you’ll be exclaiming every day if you pursue your dream job in the sweepstake arts.  Granted, this is probably the lowest form of ‘gambling’ that exists, and the payout is usually not so grand, but the upside is that it costs you nothing to enter (so, technically, not even gambling).  Essentially, all you need is the dream…not even the dollar.  Start off with Online-Sweepstakes.com and see how you do.  If you don’t see any results, don’t fret; Shark Week will be just around the corner, and you can potentially catch and sell a tasty mako.

You, Spy

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Are you one of these people who is always on Yelp, leaving scathing reviews and exacting revenge for poor customer service, inferior products and vermin plagued brunches?  Do you revel in engaging in Catfish-like scenarios, going undercover like a glorified Magnum P.I.?  Perfect!  Put your vindictive skills in the field of subterfuge to work for you and assume the meaty role of “Mystery Shopper.”  It’s way more fun than just regular shopping, too; you sometimes get to ask odd questions and be unnecessarily demanding in bizarrely conceived situations.  After it’s all done, you typically have to write up your experience, so a good memory and Jonathan Swift-like writing skills are prized.  To scope out all the mystery shopper platforms available, go to volition.com for a comprehensive listing (to get in the mood, you can always search in “incognito” mode, if using Google Chrome – if you are using Internet Explorer for some reason, there are larger issues at hand…)

have some crowd-fun

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If you’re not familiar with the concept of Crowdfunding, it’s time to get kickstarted.  Have an idea for how to save the environment through using repurposed life-rafts?  Want to send your child to cricket camp in Uganda for the summer?  Looking to start an exclusive club dedicated to people who only watch Youtube videos of squirrels waterskiing?  No matter how random the ‘business,’ or other idea, there is always one consistent commonality: you need money to get it off the ground.  The craziest thing?  There are people out there willing to help fund your possibly hair-brained endeavor.  For a full aggregation of all the best crowdfuding sites, have a look here on Entrepreneur.com (and tell your friends).

need scalp with that?

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Not everything that is going to garner you fast cash is going to be entirely legal.  If there is a big event or concert headed to your town/city/hamlet, snag as many tickets as you can for it immediately and then start selling them online.  You’ll find that once something is sold out, you can jack the price up significantly and still receive numerous hits (some people just need  their fix of Miley!)  If you haven’t sold them all by the day of the actual Ice-capade show or Monster Truck rally, head to the arena and get to scalpin’.  The pro scalpers endemic to the area may try to run you off their turf, but just remember; you have just as much of a (non-)right to be there as they do(n’t).

casino-where left to turn

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Last option: hit the local casino.  Don’t waste time trying to ‘outplay’ other gamblers at the poker table.  They are either better than you or have enough money to blow that they can take bigger risks; either way, you lose.  Then cry.  Best bet is to take whatever you’ve got and put it all on RED/BLACK.  It’s basically 50/50 odds.  So…you feelin’ lucky?

-Joe Leone 

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*If all else fails, you could always sell your old diamond jewelry for the absolute highest price in the known universe with the unwavering help of Diamond Lighthouse.

…Just sayin’.

Facing The Final (Bankruptcy) Chapter: 7

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akaWhen Liquid Assets Leak Out

So what exactly is “Chapter 7 Bankruptcy?”  Well…it’s not good.

The notorious yet somewhat arcane Chapter 7 is when you declare (yes, from the rooftops, in a joyous, mellifluous bellow!) personal bankruptcy, and any assets you possess are liquidated in order to settle your insurmountable debts.  This is pretty much a last resort, when you’ve sunken into a financial abyss so grave that your only hope of escape is to relinquish all your worldly possessions.  As the online legal symposium findlaw.com reports: “Bankruptcy will ruin your credit for some time to come.”  What happens is,  a legal “trustee” (this term makes them sound like someone comforting that you can confide in, but in actuality they can be viewed as rapacious reapers of all your remaining objects of worth) is put in charge of determining what you indeed do own and which of these things can be transmogrified into tangible cash.  The end result is that you may now be utterly destitute…but at least you’re no longer in debt.

Sounds like either Dante’s 5th or possibly 6th stage of hell, correct?
Continue reading Facing The Final (Bankruptcy) Chapter: 7

When Life Gives You Lemons…Sell Them and Buy a Scratch Off Card

Super Fast Ways to Get Cash 

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The bills are piling up and your bank account is plummeting down.  You need cash, and you need it NOW.  What to do?

Use your Body

She funded me with science!  The medical departments of most universities are always looking for (willing) participants to experiment on.  Becoming a human guinea pig for testing the effectiveness of new vaccines and medications is a nice (if potentially hazardous) way to make a chunk of quick change.  Each trial usually pays in the few hundred range; extra cash if you have a specific disease or ailment they are lusting to test on.
Continue reading When Life Gives You Lemons…Sell Them and Buy a Scratch Off Card