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Financial Panther Posts

Job Spotter App Review: Earn Extra Money By Taking Pictures Of Hiring Signs

In last month’s side hustle report, I wrote about how I made a little over $25 taking pictures of hiring signs using an app called Job Spotter. Since I didn’t make a ton of money from it, I didn’t expect a lot of people to care too much about the app. But, I was pleasantly surprised at how many people asked for more info about the Job Spotter app. Goes to show that the hustle doesn’t stop around here, no matter how small it might seem.

Those of you who follow Financial Panther know that I’m all about trying to monetize things I’m already doing. It’s why I do bike deliveries when I’m trying to get some exercise, or why I do some dog sitting in my spare time. I walk my dog pretty regularly and I bike around town a lot. While I’m doing this, I probably pass by countless stores and restaurants that are looking to hire people. When I found out there was an app that could help me make some money while I’m already walking around town, I thought it made sense to give it a try.

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January 2017 Side Hustle Report

Welcome to this month’s side hustle report! If you’ve been following along, each month, I document what I made using various sharing economy and gig economy apps. It’s pretty great to have a little bit of extra income coming in each month for things that I’m basically already doing…

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Do You Use Work As An Excuse Not To Reach Financial Independence?

I sometimes get into conversations with friends of mine who wonder why I’m trying to save so much money. When I tell them that I’m doing it because I’d love to be able to retire early, I’m often met with the same response: “I couldn’t imagine myself not working. I’d get too bored.”

I’m sure those of you on the path to financial independence have heard that same remark as well. It’s all well and good, mind you. There’s nothing wrong with working. If you like your job, by all means, you should keep doing it. Honestly, if I ever do reach financial independence, I’ll probably keep working too. Perhaps not in a traditional 9-5 job, but I’d probably do something that I find fun.

My problem isn’t with people who say they enjoy working. That’s totally fine. It’s that I find that people who tell me they like working often use that, not as a plan, but rather, as an excuse for why they’re not saving very much. Or they use it as a reason to criticize my own drive to save money.

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Netspend Account: Get 5% Interest On Your Savings

Most people don’t believe it, but even in today’s market, you can still earn 5% interest on money sitting in an FDIC insured savings account. It does require a little bit of legwork to set up, but once you’ve done it, the entire account is completely automated. For most people, a 5% interest savings account is a perfect place to store your emergency fund (it’s where I recommend storing your emergency fund). And depending on how much you like to keep in your emergency fund, you could potentially have your entire emergency fund earning 5% interest per year.

You’re probably pretty skeptical right now, and I admit, I was pretty skeptical too when I first learned about these accounts. But now that I’ve had these accounts for a year, I can pretty much say that they work exactly as I hoped they would. I get 5% interest on the majority of my emergency fund, I never have to look at the account, and I’ve never paid any fees. If you take a little bit of time to set these accounts up now, you can have a great spot to store at least some of your emergency savings.

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Net Worth Report – Q4 (2016)

I can’t really believe it, but this past weekend, I turned 30 years old. It’s sad to say, but my 20s are now officially over. I think I have to become a responsible adult now or something.

I’ve been casually tracking my net worth over the past couple of months, and back in October, I published my first quarterly net worth report. You can take a look at that post here. My plan is to continue these reports so that folks can see where I’ve been and where I’m going. It’s also not bad for me to have these numbers documented for my own records so that I can get a picture of where I’m going.

Here’s the current picture of my net worth:

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