Home > Author Archives: Kayla Sloan

Author Archives: Kayla Sloan

Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.

10 Most Sellable DIY Items Online

How people do business has evolved by leaps and bounds in just the past decade alone. And with the continuous evolution of the internet comes better and faster ways to transact and make purchases online. This has led to more and more people taking to the World Wide Web to promote and sell their products and services, from handmade novelty items to art pieces and accessories. If you’ve wanted to make a profit out of your DIY projects and output, it’s best that you take a look at 10 of the most sellable items online to help push you to the right direction: Art Pieces With online markets, you can reach a worldwide audience and sell your art without necessarily needing to sell out. Additionally, you can also reproduce your art in various different formats, from prints and mugs, to t-shirt printing and greeting cards. Doing so can help get your style out there and bring attention to your other art pieces. Jewelry This continues to be a lucrative industry even today, and with DIY pieces, there’s almost always a profitable market online. True, it can be saturated, not to mention quick-changing due to the fickleness of fashion, but by ...

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Pros and Cons of Store Loyalty Cards

store loyalty cards

How many store loyalty cards do you carry around in your wallet or purse at any given time? According to the 2016 Bond Loyalty Report, the average number per person is 13.4. But, only half of them are actively being used. Personally, I too carry a few different store loyalty cards in my wallet. Over the years, however, I have learned to use them in moderation in order to keep my budget in line and expenses down. Although it seems like store loyalty cards can be a good way to save money and earn special perks, they do have some cons too. Here are the pros and cons of using store loyalty cards. Pros: 1. Save Money Many people believe that store loyalty cards save them a lot of money. I think that can be true in some cases. For example, if a product you are going to buy anyway from a certain store will be cheaper if you start using their loyalty program, by all means sign up. In addition, if you have the room to store extra non-perishable items and can buy them at a significant discount through the use of a store loyalty card it might be ...

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Should You Hire a House Sitter When You Travel?

Should You Hire a House Sitter When You Travel?

When you plan to travel and stay away for several days, or even several weeks at a time, there are a lot of small details that need to be ironed out before you go. For example, you might want to have the post office hold your mail. Or you might need to call the newspaper, if you still take one, and have them hold it while you are gone. Then, there may be lawns to water, as well as plants both inside and out that need to be cared for. If you have pets, they will need to be boarded or taken with you. That’s a lot of tasks that have to be done before you can leave and you haven’t even packed yet! Wouldn’t it be wonderful if you had a house sitter to take care of all of that for you while you were gone? But should you hire a house sitter when you travel? Here are a few things to consider.  1. Cost You can subscribe to a variety of house sitting websites from anywhere between $0 to 100 per year. Once you divide the cost by the number of days you are traveling you can see ...

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Should You Get Your Family Involved in Your Business?

Should You Get Your Family Involved in Your Business? family business

When you ponder situations where people have a family business, you might automatically picture farms. Or, maybe you picture small shops that have been in the family for generations in a large city such as New York. Likely the reason your thoughts travel to these scenarios is due, at least in part, to what you have seen on TV. But reality can be very different from what is portrayed on television. Although I happen to come from a family farm, not every family business is run by parents who hire their kids to help. Some family businesses are owned by a Grandparent, aunt, uncle, or even a child who has hired a parent. But when it comes to business and family becoming mixed, things can get weird. We all know that money and family can create tension, stress, or hard feelings, and the same can happen with a family business. So, before you decide to get your family involved in your business, make sure you consider all the pros and cons of paying your family (or kids) to help in you business. Pros of Paying Family for Helping Your Business: Tax Benefits Of course, some people who hire their children ...

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What to Do When Your Income Decreases

What to Do When Your Income Decreases

Have you ever experienced a sudden decrease in income? Perhaps your company went out of business without warning. Or, maybe you had an accident and had to take a temporary leave of absence with no short term disability pay. Of course, you may have planned to leave your job for a better opportunity to make even more in the long run. The facts are there can be a lot of reasons people experience a change in their income. But whether or not it is planned, a decrease in your income can wreak havoc on your budget and your finances. But what should you do when your income decreases? Here are some steps to take to make sure you income decrease doesn’t harm your finances too much. 1. Take Stock Even if the decrease in your income is planned, you will need to evaluate your finances to get a starting point. How do you know what steps to take or where you are headed if you don’t know where you are starting from? Determine what your outstanding debt is. Make a list or spreadsheet of all of your necessary bills including rent or mortgage, auto loan payments, food, utilities and any ...

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