Niche Website Update 21 – Getting Interested Again in Affiliate Marketing – Plus $853 in Income

online marketing

Its official – summer is over.  The kids are back in school, the pool is closed, and I’m scheduling the sprinkler system to be winterized. In terms of my online business, that also means that I’m running out of time to hit the goals I had set with my niche websites before 2014 comes to a close. Personally I feel like each of my websites has got a LONG, LONG ways to go.  Which can be both a fun and creative thing.  I’m not just talking in terms of making money.  I also mean in developmental things like content, SEO, traffic, etc.  Those are the kinds of activities that I believe will ultimately bring in the money if you do them right for the long run. … even if no one wants to help you get those activities done (a funny story about … [Read more...]

Going Back to School on a Budget as an Adult

Budget

Going back to school isn't just for the little ones.  It can be a time for grown-ups to get anxiety too.  And not just over the work they'll have to do. If you've noticed the job market is saturated with candidates that have bachelor's degrees, you've possibly considered getting a graduate degree to give yourself an edge. But balancing family expenses is hard enough without adding tuition and books.  Plus don't forget all those hours invested in working on projects and studying. You might even convince yourself that paying for a graduate degree and keeping your family afloat is nearly impossible.  But remember - you're not the first adult who's gone back to school while working, parenting, etc. If you're in this boat, here are a … [Read more...]

3 High Risk High Return Investments You Should Get to Know

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When most people talk about investing, their goal is to complete alleviate risk while earning as much money as possible. Although it’s never possible to alleviate risk, it is possible to reduce it if you’re willing to accept a low return.However, what if you’re willing to take on a bit of extra risk for the prospect of a higher return rate? What do you do then? Well, here are 3 high risk high return investments that you can take part in.   Binary Options: When it comes to high risk, high return investment vehicles, binary options happen to be my favorite. With binary options, you’re not purchasing a stock or bond. Instead, it’s up to you to predict whether the value of an asset will rise or fall over the course of a … [Read more...]

Tax Saving Strategies and Outsmarting the System – A Book Review

Outsmarting the System

One of the principles I preach here on My Money Design about building your wealth is to find smart ways to KEEP more of what you earn.  And in no other way can you accomplish this more than by using the right tax saving strategies to help avoid paying more than you have to. I say that because taxes are something that eats into your finances no matter how low or high your income is.  In fact the more money you make, the worse your tax bill becomes because it scales upward with your earnings to the point where it could potentially be one of the largest expenses you have. But with the right tax planning strategies it doesn’t have to be this way.  There are many ways to lower your tax bill that you probably either don’t use or simply … [Read more...]

How to Reach an IRS Installment Agreement

How to Reach an IRS Installment Agreement

No one intentionally falls behind on their taxes unless they’re taking cues from Thoreau’s Civil Disobedience (which by the way will hardly work in your defense in court). While Thoreau ended up spending a night in jail and getting some material for his book, most of us would prefer to avoid the penalties imposed for tax delinquency. For those who have found themselves unable to meet their tax requirements with the federal government due to a poor financial situation, one viable solution might be figuring out how to reach an IRS installment agreement.   What is an Installment Agreement: Because the IRS would prefer that it receive at least some portion of your prescribed tax obligations, it is often willing to come to a … [Read more...]

How to Remove Disputes from Credit Report History and Get a Higher Score

Credit Report Disputes

It is always a good idea to keep an eye on your credit score and credit report. I have been been doing my homework in this area, and I am thrilled to report that my credit score has risen dramatically due to some simple efforts I made. Here’s what was holding me back. I’m pretty conscientious when it comes to paying my bills on time. But a year ago my wife and I moved to a new city. Though we canceled our utility accounts only after the final balances had been paid, my credit report showed an unpaid partial month. Because we changed addresses twice in 3 months, I guess written confirmation never found me, and we were never notified any other way. I only noticed the negative mark on my credit report when I checked … [Read more...]

Never Let Anyone Compromise Your Goals in Life

goals in life

My wife and I have been having a lot of discussion lately about some of the changes we want to make that will help us reach our goals in life sooner rather than later. Don’t worry – there’s nothing wrong with us or our marriage.  But for reasons I won’t get into publicly, let’s just say that the working-world has decided to pose some complicated challenges that would otherwise make it take longer to get there. Since going down this path of reaching financial freedom, we’ve both been so completely infatuated with the goal of getting there.  We’re seduced by the thought of what our lives will be like when we do. Unfortunately though sometimes even though you think you’ve got all the pieces to your life in place, things beyond your … [Read more...]

My Money Design Turns 3!  What I’ve Learned About Writing Blogs for Money

Writing Blogs for Money

I’m proud to announce that as of last week MyMoneyDesign.com is now 3 years old! Running a blog is something that unfortunately not a lot of other people can claim to have accomplished.  During my tenure I’ve seen a lot of websites start, a lot of them fail, and some of them just completely disappear of the face of the Internet. But I’ve also seen a lot of the good ones carry on and take their sites to the next level.   They’ve encouraged me, inspired me, and even challenged me at times to improve.  I’m very thankful for all the friends I’ve made and for everything I’ve throughout this whole experience! If someone would have told me 3 years ago that this would be my primary way of making money on the side, I would have told them … [Read more...]