What makes it even greater is that there are countless ways of earning an income out there that don’t require any skills or education. So even if you don’t have a PhD in science- it’s still an open market for you. You just have to find out your biggest strengths and most developed skills that will make you unique and in demand for a variety of services.
However, if you're looking for realistic ways you can start earning money online now, then it really truly does boil down to seven paths you can take towards profit. Some will provide you with immediate results, helping you to address your basic monthly necessities such as rent, utilities and groceries, while others have the potential to transform your life by revolutionizing your finances in the long term.
GigWalk is a mobile workforce of individuals using their smartphones to connect, explore, and earn a second paycheck as they go about their day. Simply register, apply for an assignment and then complete the task (usually verifying roads and street signs, geographic landmarks, transportation options or store inventory with your smartphone’s camera). According to their testimonial page, one gig Walker made $1,200 in a week; more realistically it looks like the average assignment pays between $3.00 – $50.00. Jobs are available in the main cities across the United States. Membership is free.

Working as a freelancer is a great way to make money online from the comfort of your own home. The beauty of freelancing is that you can tailor it to suit your needs. You can freelance for a couple of hours a week in the evenings to help save up for a holiday or some much needed home improvements. Or carve out a full-time job for yourself, giving you a more satisfying work-life balance and enabling you to do the simpler things in life like taking the kids to school. With so many jobs available online, freelancing is becoming more and more popular.


Rather than making money through subscriptions, YouTube channels are based on a traditional advertising system. Meaning the more viewers you get, the more you make. Once you’re approved for the YouTube Partner Program and can start including ads on your videos, with every 1,000 views, you will make approximately $2-$4. Which might not seem like a lot, but if you have 100 videos with 5,000 views a month each, that would be $1,000–$2,000 already. Just imagine if your videos start hitting millions of views!
Why am I telling you all of this? The answer is pretty simple. I want you to get the understanding that making money online (at least in the initial stages), takes A LOT of STUDY and WORK! That's the unknown secret of Internet Marketing Gurus. Anyone can make a few hundred dollars. To be quite honest, you can make a few hundred dollars in your FIRST MONTH as a Freebie Trader. To be even MORE honest, it's much harder to profit $2,000+ each and every month, which is the reason I built this blog, and so many other people have their blogs on Internet Marketing – To save you the struggles that we had in getting going.
So when I responded, I flipped it around as if I was clueless as to what to ask for (which I was) and said “Hmmm… I haven’t given it much thought. What did you have in mind?” I was preparing for her to strong arm me into saying a number. However, she was nice and gave me a figure; $35,000. My response (as if Ramit was talking to me in the other ear): “I think we’re in the right ballpark and we can work from that number.”
Right now, I'm starting to reap the benefits of the kind of work that it takes to reach that level. When I started as a Freebie Trader, I literally worked every free minute (considering I also have a full-time job) specifically on Freebies to build up to where I was making $2,000 in pure profit per month. Right now, if I were to work an hour daily, I can easily make that much and beyond. However, my plan by the summer is to be making at least $10,000 in pure profit on a monthly basis. So I continue to work, but in a strategic way, with definite goals in mind, while educating myself to where I understand what it takes.

Market research is the process of collecting data about consumers. Companies want to know if the product they are producing meets the needs of their customers, so they can continue to provide the best possible product. Without accurate information businesses cannot make informed decisions. That’s why companies create surveys and are willing to pay you to make money online by giving your opinion.
Whereas, freelancing is a bit different and thats why it is being said that ‘Freelancing is a serious business. Although, it requires communication skills and fluent English speaking but it may land you some incredible opportunities when you get a chance to communicate with foreign clients across the globe via social networks, freelancing sites or skype.
Thank you for telling it how it actually is John, it’s refreshing to hear it that way and surprisingly motivating. I do believe that having enough of an income to support myself is more than enough compensation for escaping the ‘boss’ and having the freedom to provide value to your audience. Millions would be nice, but not essential for it to be worth it. I look forward to your webinar. 🙂
Now, can you make money online without building your personal brand? Sure. But, it'll sure be a lot harder. By building a personal brand, you're putting yourself out there. You're creating a place that you can call home on the internet. Whether that means you're starting a blog or a Facebook Page or an Instagram profile, you just have to get yourself out there.
The harsh reality and truth is that in order to make substantial amounts of money online, you need to deliver real value. You need to contribute something meaningful to the world rather than looking for ways you’ll achieve instant wealth and riches. By no means does it happen overnight. And it doesn’t happen by signing up to some internet marketer’s “proven” system. It happens slowly and painfully over time.
One of the biggest misconceptions about online earning and it is justifiable due to the amount of online scammers. Nevertheless, there are many legitimate opportunities for everyone to earn some extra money over the Internet. One thing to remember to distinguish scams from actual opportunities is that everything that seems too good to be true, is probably a fraud.
In the beginning, it was rough for Sharpe. No one out there should think that it's going to be easy whatsoever. His journey took years and years to go from an absolute beginner, to a fluid and seasoned professional, able to clearly visualize and achieve his dreams, conveying his vast knowledge expertly to those hungry-minded individuals out there looking to learn how to generate a respectable income online.
Sharpe, who's presently running a company called Legendary Marketer, teaching you how to duplicate his results, is a prime example. By understanding how Sharpe has constructed his value chain, positioned his offerings and built out his multi-modality sales funnels, you'll better get a larger grasp on things. As confusing as it sounds at the outset, all you need to do is start buying up products in your niche so that you can replicate their success. 

How many email newsletters are you bombarded with every single day? There’s a reason for that. Marketing to an actively interested group of email subscribers is one of the best ways to make money online. There have even been million-dollar businesses built from simple email newsletters like TheSkimm, or Mister Spoils. Each newsletter targets a specific type of user with interesting, daily content, while also partnering with relevant companies and affiliates to bring in extra money. If this seems daunting, it’s not. Tools like MailChimp, ConvertKit and AWeber make it easier than ever to get started with email marketing. And another great option to consider (with the largest free plan available) is SendPulse, with their ability to send up to 15,000 emails per month to 2,500 subscribers, and then affordable plans starting at under $10/month as you grow from there.

Twitter has been really helpful. There is a guy who messages me on Twitter and I type back, “Snap, snap.” That signals him to send me $500. That generally happens every week. Guys send me money after they read a posting on my website. I don’t even have to do anything. But others are so needy. They send 10 emails a day, wanting to know how I am doing, telling me that they want to smell my feet and send me money. These are grown men! I feel like I am babysitting. I have others camming (at a cost of $10 per minute, before sending additional money) and talking to me in baby talk. I think they’re shit and treat them like shit. So it’s all very honest.

By now, you've likely seen all the "gurus" in your Facebook feed. Some of them are more popular than others. What you'll notice is that the ads you see that have the highest views and engagement are normally the most successful. Use a site like Similar Web to study those ads and see what they're doing. Join their lists and embed yourself in their funnels. That's an important part of the process so that you can replicate and reverse engineer what the most successful marketers are doing.
*If you’re looking to learn about SEO to increase traffic to your blog or website, I just took the course The 2017 Ultimate SEO Guide and could not recommend it more!! It covers everything from updating your plugins to make your site run faster to writing the correct meta description and tags to finding what keywords your audience is looking for and more. The course is all videos which was also incredibly useful for non-techies like me!

Since freelancing isn’t associated with a handful freelancing sites, it means you can be a freelancer without creating your profiles on those freelancing platforms. The purpose of those sites are to manage a profile as a portfolio, and if you choose the other way around, you could do it your way. However if you are going to start freelancing as your carrier then 15 Common Freelancing Mistakes Which are a ‘NO’ go for any Freelancer should be a must read for you.


The adoption of technology has grown so drastic that it is basically consuming our lives by allowing us to do everything over the Internet. It should come as no surprise that it has expanded further to our wallets. The relevance of money making blogs has been surpassed by all kinds of emerging online occupations; opening a new market for anyone with free time on their hands. It is now at the point where finding work online is more likely than finding one in the real world.
One of the easiest and the most convenient ways to earn from home is to work as a virtual assistant. They are skilled professionals that offer various companies and entrepreneurs administrative support. Few of the tasks performed by them are making phone calls, responding to mails, editing, data entry, graphic designing, management of projects and so on. With this easy job you can earn enough and a handsome amount to bear your expenses.
Ready to enter the ecommerce fray? Why not sell your own stuff. Of course, along with selling your own stuff on your own website comes a whole slew of both responsibilities and technical configuration and requirements. For starters, you'll need a website and a hosting account. You'll also need a merchant account (sure you can use Stripe or PayPal). Then you'll need to design that site, build a sales funnel, create a lead magnet and do some email marketing.
Sharpe, who's presently running a company called Legendary Marketer, teaching you how to duplicate his results, is a prime example. By understanding how Sharpe has constructed his value chain, positioned his offerings and built out his multi-modality sales funnels, you'll better get a larger grasp on things. As confusing as it sounds at the outset, all you need to do is start buying up products in your niche so that you can replicate their success.
Now next, you’ll want to pick a WordPress theme from somewhere like ThemeForest, Elegant Themes or OptimizePress. This is the barebones design of your site, which you can then customize with your own branding, copy, and images. That being said, you don’t want to cheap out. It costs less than $100 to buy a theme that will make your website look professional (and you can upgrade to a completely custom design once you get the business going).
Working as a freelancer is a great way to make money online from the comfort of your own home. The beauty of freelancing is that you can tailor it to suit your needs. You can freelance for a couple of hours a week in the evenings to help save up for a holiday or some much needed home improvements. Or carve out a full-time job for yourself, giving you a more satisfying work-life balance and enabling you to do the simpler things in life like taking the kids to school. With so many jobs available online, freelancing is becoming more and more popular.

Now that your driveway is empty consider renting it out too. Parklee is a match-making service for property owners and drivers. Here’s the premise, we all know that at certain times of the year parking can be a nightmare. Parklee connects drivers with household owners who have extra parking space to spare. Simply create an account, Parklee will do the matchmaking, and you’ll earn some extra money for allowing individuals to park at your house.
However, if you're looking for realistic ways you can start earning money online now, then it really truly does boil down to seven paths you can take towards profit. Some will provide you with immediate results, helping you to address your basic monthly necessities such as rent, utilities and groceries, while others have the potential to transform your life by revolutionizing your finances in the long term.
Hi Maria!! Yay!! I definitely think you should go for it 🙂 Stick with it, and you’ll be earning an income from it, too! For your blog name, I would think about what your niche is. If it’s broad, use your name! Lots of bloggers are doing that or rebranding to their own name because it allows them to change topics as they please. Best of luck!! And please let me know if you have questions!!
Next, you need to set up and build your YouTube channel. Your YouTube channel is your homebase for all your content. If you already have a Google account for Gmail or Google Drive, then you can use that to log-in to YouTube and start setting up your channel. Pick a username that works for you and is memorable (if you’re using an existing Google account you’ll have to edit your username in Google+).
Shoutmeloud, is another famous site by Harsh Agarwal which has ample of following in digital world. As per his monthly blogging income report, He earns around $40,000 per month from it and what’s more interesting is that with the blogging money, he bought his own car and flat and just to let you know that when he started blogging he wasn’t’ earning at all, and after months he was just making around $400 per month.
One of the biggest misconceptions about online earning and it is justifiable due to the amount of online scammers. Nevertheless, there are many legitimate opportunities for everyone to earn some extra money over the Internet. One thing to remember to distinguish scams from actual opportunities is that everything that seems too good to be true, is probably a fraud.

the problem with “CashCrate” is that the amount of money that u get out of it is VERY slim.. and even to get that VERY slim portion of money you have to complete a lot of surveys and to cash-in on the money you earned u must make over $20, trust me. i tried it, it took me over 6-12 months to get the cash.. i used the site like if my life depended on it. it was very hard.

That being said though, if you’re willing to step outside of your comfort zone, create value and work hard, there will always be a place for those type of people to succeed online. It’s often the people who want to make money online that approach it from a position of strength that ultimately succeed, trying to start a business out of a position of weakness and desperation is where I think a lot of people fail unfortunately.
WOW, this post sums up exactly how I’ve been feeling lately. Being about 1 year into the internet marketing game I have found that time is definitely a critical asset. What you save in money will definitely cost you in time AND in order to succeed there is a certain number of hours required in preparation. No shortcuts! I could “amen” this post all day.
I know the feeling Chaz. If there is one thing all successful Freebie Traders have in common, it’s that we all spent a bunch of time learning the system, lol. Hey, we all can do better at what we are currently doing and that’s the reason for what we will be doing. As long as we are all learning and improving, that’s what counts. Glad to have you on board.
Hi Maria!! Yay!! I definitely think you should go for it 🙂 Stick with it, and you’ll be earning an income from it, too! For your blog name, I would think about what your niche is. If it’s broad, use your name! Lots of bloggers are doing that or rebranding to their own name because it allows them to change topics as they please. Best of luck!! And please let me know if you have questions!!
Do you constantly come up with witty one-liners? Do you dream of the days of Mad Men-style advertising? If you’ve got some branding chops or just come up with imaginative copy, there are lots of opportunities to make money online through company naming and slogan contests. If you think you have a knack for names check out namingforce.com and squadhelp.com. If you dream of coming up with witty copy, try coming up with company slogans on Slogan Slingers and Get a Slogan.
NaughtyJo is a 28-year-old mother of two — "I work a full-time job, so my only other hobby is my kids" — and as she puts it, "I do use other sites and some of the guys on there know me from [MyGirlFund]. I don't treat anyone differently or talk differently. Manners get you a long way. If you can't make a sale, making a friend has always been something I've tried to do."

I want to talk about gurus, and what they don’t tell you about making money online. So we’re gonna get right into that right now. All over Facebook you see it all the time all over Facebook from YouTube people talking about how much money they’re making they’re telling you You know they make certain amount of money add a certain amount of money week a month a year, whatever It is and they’re gonna teach you how to do it First thing you need to understand about this is most of these people that are claiming to be Internet marketing gurus are completely full of shit and lying to you That’s the first thing you need to understand the vast majority of them have not done it Okay, and those that do those that have done It are failing to tell you a few key things and the reason why they do this sorry I’m just you know if you try to adjust their so they don’t get that glare The reason they do this is because they want you to join whatever it is
Since freelancing isn’t associated with a handful freelancing sites, it means you can be a freelancer without creating your profiles on those freelancing platforms. The purpose of those sites are to manage a profile as a portfolio, and if you choose the other way around, you could do it your way. However if you are going to start freelancing as your carrier then 15 Common Freelancing Mistakes Which are a ‘NO’ go for any Freelancer should be a must read for you.
Creating your own food blog, will not only be fun, but done well it should also be profitable. Link your site to affiliate cooking products, sell your food photos, create and sell your own physical cookbook, or launch a cooking app. Equally, you could turn your cooking blog into a membership site. You would then share all your content, including recipes, how to videos, food photographs, and much more, with only your paid up members.
Yaro is owner of Entrepreneurs-Journey. Yaro started his blog in 2008, where you can learn make money online ideas. He is known for running podcasts on his blog and he have interviewed almost all big bloggers in the industry. How you can start article on his blog is filled with awesome information which you need to become a successful blogger and dominate blogging arena.
Holy, moly, what a list! I’ve thought about pursuing a couple of these. Should really get on it. I’ve done a couple more of them. My sibling has been an extra in a couple of movies, but made no $ off of it. But we’re talking literally a stadium full of extras in one case….think Pittsburghers might have been too excited to be in a movie to ask for cash? Or maybe they just don’t pay crowds?
When deciding on your niche, you have to actually start a blog or a website that's going to be your online hub. This is where your anchor content is going to live. Everything else will link to here. All the ads you run and traffic you drive through social media or SEO or anything else will all come here. You need a custom domain and a professional looking site if you want anyone to take you seriously.
Getting a handle on your finances is an important aspect of living a financially free life. Most often, the emphasis is usually on cutting back expenses in order to make ends meet, but what if I told you there was another way? Yes, cutting back on expenses is a great place to start. But, adding more money to your bottom line will not only give you the financial freedom you seek, it will also allow you the freedom to maintain your current lifestyle. The following are 15 creative ways to make extra money:
This is a fantastic article and it really has given me help. I want to go to this thing in the summer called Creation Fest and it has music and speackers to celebrate God and it costs a lot! I was looking for help and I found this. $100+ seems easy at first but then your stuck when your my age. Thanks a whole bunch and I will probably come back again.
Getting a handle on your finances is an important aspect of living a financially free life. Most often, the emphasis is usually on cutting back expenses in order to make ends meet, but what if I told you there was another way? Yes, cutting back on expenses is a great place to start. But, adding more money to your bottom line will not only give you the financial freedom you seek, it will also allow you the freedom to maintain your current lifestyle. The following are 15 creative ways to make extra money:
A lifestyle blogger writes about their everyday life, hobbies, and interests. From fashion, beauty tips, and male grooming, to food, restaurants, and travel, anything that you experience can be blogged about. And famous lifestyle bloggers can make big bucks. Once you have built up a following, there are many ways to make a profit. Add affiliate links to your website, promote sponsored services, create your own product range, and much more.
If you’re willing to take on some risk and have the heart of a true hustler, you can make extra money online doing commission-only sales for startups and other businesses. While you won’t be getting a regular salary, with the right sales strategies and skills as an inside sales rep, you can make decent money for each sale you bring in. And because you’ll most likely be working with startups, if you can negotiate a little equity you could profit big time if you're pitching a solid product and the startup succeeds.
The freelancing sites such as Upwork, Freelancer, Guru, Peopleperhour and Fiverr played a huge role in introducing the freelancing lifestyle globally. However, the freelancing doesn’t necessarily inclined to above-mentioned networks. Freelancing is a business as well as a lifestyle. I know ample of people who do freelancing without these websites, for some it’s generating personal relations with the buyer and then selling the services however that’s a different story and I will explain it later in the post, for now let’s stick to our topic.
They’re promoting Or buy, whatever it is They’re selling and they don’t want to tell you All of the things that go into them generating that money They don’t want to tell you things like the the Acquisition cost per lead you know leads don’t just show up You have to go find them and it can cost money to do that they don’t tell you they don’t bring up things like paying taxes or Scaling up, you know reinvesting in things like advertising they just don’t talk about it They tell you man, I grossed $2,000 this week and i’m going to show you how to do the same

Do a bit of research and due diligence. How much are people renting out their homes in your area on sites like AirBnB? What’s the going rate and just how do those homes compare to your own home? There are a lot of issues to cover if you’re thinking about doing this, so don’t expect to profit simply from it. The more care and attention you put to the finer details here, the better it will be.
A spin-off for web designers is to offer a landing page creation service. Well optimized landing pages can be the difference between a successful and a failing business. And, as creating the perfect landing page isn’t easy, this is a service many businesses are prepared to pay for. I know people who are earning 6 figures per year and all they do is create landing pages for businesses. There’s serious money to be made.
I would like to take you on a journey over the next few weeks. A journey to success. In actuality, I would like to ask you to journey along with me. I will be providing you with resources that I am using and will continue to use that have contributed to my growing online success and if you implement what is taught in those resources, your success will follow. DO not worry, I'm not talking about taking your money. I'm talking resources such as websites, books etc. Valuable information, that will not only save you time in the long run, but also help you take the first step of changing your mindset.
This isn’t to scare you off. I simply want you to know that this guide is going to focus solely on ways to make real, sustainable extra income online. Not just a few bucks. I want to share all the mistakes I've made that got me to where I am now so that you don’t have to go through them, and can build a successful online source of income for yourself.
Great read, always looking for extra ways to make a buck. I just wanted to share something I’ve been doing recently. I run an office and have noticed that unused toner was piling up in storage. Looked into returning but that was no good. Tried out the site http://www.tonerconnect.net/ and was impressed. They had quick service and that payout was nice.
I know you just have jumped in the online industry and starting out your own career can take time and you also understand that you need little experience before starting doing things on your own. So why don’t you become a virtual assistant for someone? You can earn money as well experience by doing it, so it can be a WIN-WIN too. VA’s can make up to $50 per hour for tasks depending upon there knowledge, education and skills.

Providing some insight on both sides of the fence. Back in 2012, I had just gotten a dui and lost my job the same day. My life was in the toilet. As if by fucking magic, I came across B&D, I don’t even know how but I did. Reading everything Vic wrote pushed me to embrace my shitty situation instead of cry about it. It took me 4 years but I started a company, made a ton of money, got in great shape and fucked my way through more pussy that I had ever seen.
Equally, you can charge businesses to ‘claim’ their listing, a method used by many large directory sites like Google Business and Yelp. This involves companies paying to upgrade their listing and adding information such as their web address, social media links, images, and more. Other revenue streams include charging for ad space, adding affiliate links and even charging for services and products on your directory site.
Great list! Another suggestion would be transcribing. Transcribing really requires very little skill or capital to get started. You can sign up with companies like Elance and Odesk to find jobs OR reach straight out to producers of audio content to see if they need help. With the huge trend in podcasting a great place to start would be by perusing iTunes for podcast shows that may need help turning their audio podcast episodes into text for their website or “show notes.”
Girls Just Wanna Have Funds is for general information or entertainment purposes only and does not constitute professional financial advice. Please do your own research or contact an independent financial professional for advice regarding your specific situation. In accordance with FTC guidelines, we state that we have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways.
Etsy: While Etsy's popularity has declined recently, it's still a great resource for selling handmade items online. No need for complex ecommerce sites or merchant accounts or any sort of automation. The company takes a commission of every sale and charges a small listing fee per item. But many still use Etsy as their primary source of income. The best part is that you can also sell digital products on here such as poster designs. 
I might not be telling you what you want to hear, but it is the truth. I've had MANY people contact me asking me what they can do to make a bunch of money now. I do have a simple answer to that. You can make a bunch of money now by winning the lottery. Otherwise, you will have to do what all other Money-making gurus have done – Use proven strategies and WORK to build a system that will pay off in the long run.

Thank you for writing this. I have been LURKING for years, never commenting, but enjoying and sharing the content. Everything you said is true, I have been writing, blogging, started a Youtube Channel (800 videos now), and Instagram. Funny thing if you share food, workout pictures and motivational stuff its crazy popular. Love the blog, believe more folks would be happier working for themselves if they can keep debt under control or expenses low. Energy levels super high now that I started green smoothies everyday and adding weights to my workouts.


First and foremost, when it comes to marketing anything online, it's important to understand how money is made and earned. In my phone call with Sharpe, he identified several items that were well worth mentioning. Once you understand where the money comes from and how the industry works, you can then better understand how best to position yourself and your offer so that you can reap the benefits of the making-money-while-you-sleep industry. 

Creating space for banner ads on your website is another way to generate a revenue from adverts. However for this type of advertising you will need to contact businesses directly and ask them if they would like to advertise on your website. The upside is that you can charge a set amount, or even a recurring monthly fee, to business to promote their services on your site. Using a WordPress plugin like AdSanity is an effective way to manage this type of advertising.
Niche Sites: A niche site is a small site dedicated to a small market. For example: a website about how to kill ants. Pepper in some articles, pepper in some advertisements, pay attention to the SEO and the competition and watch a steady trickle of money come into your pocket. Niche sites are the bread and butter of internet marketers making a living from their websites. 10, 20, or 30 niche sites bringing in $100-$200 a month can bring you some real money. Niche sites can certainly make more than that per month – but they do take work.

It’s sometimes hard to comprehend just how much people love t-shirts. And with the right niche, marketing, and tools, you can create an online t-shirt business that makes you extra money online while you sleep. (Even Bloomberg and Forbes feature stories from entrepreneurs who've done just that.) Services like TeeSpring make it easier than ever to create a t-shirt drop-shipping business where they handle the sales, printing, and shipping, and you’re only responsible for design and marketing. For more tips, check out this simple guide to launching and marketing an online clothing store by my friends over at Selz.
If you are still doubting the legitimacy or think making a living online is  a shady deal, take a look at our guide. We have listed all the ups and downsides of making money online, in order to give you a realistic overview of how things work. If you are interested in earning an income online, you can see how to start and which are the best tools to get you that extra cash.

Running and charging for webinars can be a great way to build a following in your niche, demonstrate that you are an expert in your field, and make a profit. Hosting a webinar can be hard work. They need to first be promoted, provide original and valuable information, and include interactive elements so your audience can ask questions and engage with your topic. However, once you have built up a large blog following, each webinar can be extremely profitable.


You spoke to me, Jon. I’ve had my blog for seven months, and I’ve been trying to make it a business for about five. I’ve spent countless hours of time and very little money to build up a very strong audience both on the site and Facebook. I was a “digital marketer” before, but there are so many things I’ve had to become an expert in that I wasn’t before. I feel like I’m a completely different marketer now than when I started. And it hasn’t been very long.
However, if you're looking for realistic ways you can start earning money online now, then it really truly does boil down to seven paths you can take towards profit. Some will provide you with immediate results, helping you to address your basic monthly necessities such as rent, utilities and groceries, while others have the potential to transform your life by revolutionizing your finances in the long term.
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