Ways of earning on the Internet without investment


Are you looking for free ways to earn money from the internet? There are quite a lot of options that allow earning on the Internet without investment or any other starting expenses. If you are a skilled writer, translator, web designer, apps/software developer, graphic designer, engineer or marketing specialist, join one of the freelancing platforms and choose from thousands of available online work. Being an independent contractor allows you to do the job you love on your terms. What does it mean? No office hours, working from home or any place of the world that has an internet connection, flexible working hours, choosing the projects to work on and direct contact with the customer and that’s only some of the perks! Don’t worry if you’re not a specialist in any particular field; everyone can find their own way of earning on the Internet without investment. Are you good at searching information on the Internet? Try out one of crowdsourcing task hubs. With the variety of assignments, available everyone can find a way to make money. Worth mentioning is PTC (Paid To Click) online jobs, in which success doesn’t depend on how many ads you click, but on the network of referrals, you’ll be able to create.

Spending Wisely Puts More Money in Your Pocket

Spending wisely to save

We all love to spend, especially since manufacturers make sure that the items they present to us look alluring and eye-catching. They become items that we don’t necessarily need, but which we want. Spending wisely is important if you don’t want to waste your hard earned money. One of the most useful Tips to wise spending habits is for buying food items. Store brands have exactly the same ingredients in them as those well-known brands you insist are better, and tastier. When it comes to buying bigger items such as a car or furniture, there is absolutely nothing wrong with buying good second-hand stuff that other people simply no longer want. Some of it is like-new and the best part is being able to source top brand used items which come with low sale prices. Spending wisely isn’t just about spending less and living an inferior life by any means, it’s about knowing what’s important and successfully managing your money with discretion.

I save money for peace of mind

I save money by exercising and eating healthy

Here are the ways that I save money – in no particular order. I save money by cutting down on expensive items at the grocery store. I used to think that I should eat extravagantly well every day, but I now realize that I can appreciate eating well sometimes and just eat normally on an everyday basis. Fruit is a really good snack, and veggies too. I have also learned to cut down on unnecessary travel by exploring my neighborhood. It turns out that, along with Internet buying, I can find most items I need locally. It surprised me that there was a supermarket around the corner in the direction opposite the way I go to work. I discovered that by taking a walk on a Saturday afternoon! That brings me to my next point on how to stack more cash in my bank account: exercise. Since I have started exercising more at my fitness club, my quality of life has greatly improved and my social life has expanded. At the same time, I eat out less and spend less time at bars, which are very expensive. So, I guess that all the ways I save money have to with appreciating life a little more than I did.

My New Year Resolution

I have been blogging for almost a year now and have also been trying to change some of my habits. However the real habits did not change. I was still smoking and drinking real hard. So I decided to have some real New Year resolutions, practise them and then blog about it. So, here I am after implementing for a month and what results it gave me will astound you all.

Stop Drinking

Resolution 1 : Stop Drinking – This was not easy as most of my friends did not stop drinking and sometimes I felt bad. But my resolve was strong, and tell you what I saved almost 1000 Pounds when I did the accounting by not drinking. That is serious money is it not? I will keep with this resolution as it also makes me feel healthy.

no smoking


Resolution 2 : No Smoking – This was a killer. My god I never knew how bad it feels as the body has become habitual to the nicotine. It was hard and to be truthful I am not still over it. But I have reduced to a single cigarette per day. This saved me around 300 Pounds on cigarettes.


Using Public Transport saves money

Resolution 3 : Use public transport – This I have been diligently following since January 1. In spite of it being painful sometimes, I make it a point to take the bus rather than a taxi. You know how much I saved on transportation? Well it was 500 Pounds.Raking in the money I saved I realised how much I spent on unhealthy habits. The smoking is still to go, but there is hope. The light at the end of the tunnel.

Looking Forward to Christmas This Year.

Its getting to look a lot like Christmas, sorry I could not resist….now I know  Johnny Mathis is singing about snow and holly etc etc but my home is looking very Christmassy this year onwards and upwards in this house for Christmas!  Last years Christmas was much better than the previous year with all the debt and so forth; findings Nan’s diary helped considerably in achieving the good time we all had.

I have been reflecting on my posts and seen that considering what we have been through we are coming out of it ok. Alright we are not wealthy by any means but we are achieving a lot of our own goals. This year has again seen me use Park Hampers – their arrival is what initiated the song. I also had enough to save for some shopping vouchers but saving them for the january sales – we all need some new winter things. Being an agent also means I have a little extra in the way of commission, so will be able to go out for a few drinks with friends this year.  Presents well I have been buying throughout the year, keeping my eye on the sales and watching out for online offers on some the websites I go on. Woucher.co.uk is really useful, helped me get a couple of really cheap theatre tickets for my mum and dad for Christmas – well worth joining these sites just to keep in loop about prices. The girls and I also bought some nice jars from car boots and fetes and we again made out jams and also truffles ( very nice they are to)  to give for Christmas.

I have had to borrow some money as the car packed up but asked around and looked online and decided to go with ferratum.co.uk. Simple application and no nonsense approach plus it fit well into my budget. Mind you the extra hours at work made it all possible.

Lots of ways to Beat Inflation with Young Kids

I’m always looking for ways to provide well for the future for my 2 young daughters. As I’ve mentioned already,  the girls father just upped and left a while back so I’m always taking advice on plans that will satisfy our need for the future. I know people who study supermarket brochures and then drive to the one with the cheapest deals . These days its so easy to use comparison sites to find the cheapest supermarket prices. I find Mysupermarket.co.uk pretty useful for comparing prices from shops like Sainsbury’s, Tesco and Waitrose as well as others.

saving money in hard economic times

Another thing I’ve done is join Netmums, an online parenting organisation that offers fantastic information to mothers and offers local support and advice. One of these is where to find free and fun activities to do with your kids. There is also another site called VisitBritan where you can pick up wonderful ideas for cheap days out as well as  free activities for cheap outings and holidays. You’ll be able to investigate affordable theatre tickets as well as cheap restaurants to eat at when you’re on a budget. By doing some research, if you’re in my position, don’t stress as there are lots of ways to ensure as parents battling to make ends meet, your kids, like my girls, can enjoy all the fun things kids should enjoy.

Common mistakes Businesses make


Common Business Mistakes

I have analyzed hundreds of financial statements of businesses heading towards bankruptcy, and of businesses making low profits. Very soon a pattern emerged. I compiled my research and came up with two common Finance mistakes made in Business.

Let me again explain in layman’s terms. Let us suppose there is a person called Tom and he is walking up the street. Suddenly he sees $1000 lying on the street. Tom takes that $1000 and puts it in his pocket. That $1000 has not cost Tom anything.

Now let us suppose there is a person called Nick, and Nick needs $1000. He approaches Tom and asks if he could borrow $1000 dollars from him. He is ready to pay 10% interest on it. Tom knows that if he keeps the $1000 in his pocket, even after one year it will still be $1000. On the other hand if he accepts the offer of giving the $1000 at the rate of 10%, after one year he would have $1100. @11100 is $1000 plus 10% interest earned by it.

Let us suppose there is another person called Harry. Even Harry needs @1000. Now harry approaches nick and asks if he could borrow $1000 from him. He is ready to pay 5% interest. Do you think Nick would say yes? Definitely he will say no. Now Harry says that he was willing to pay 19% interest. Nick would definitely say No simply because it is costing him 10%. Nick may say yes if Harry offers to pay him 15 – 20% interest.

During my research, it was a very shocking observation made by me. Most of the businesses that were recording low profits or heading towards bankruptcy were actually giving the $1000 for less than 10%. Whenever I share this fact people will ask me – How can people be so stupid? It is not about stupidity but about IGNORANCE.

People are ignorant about how much they have borrowed and how much it is costing them. People are ignorant about numbers. They are mostly dependent on their book-keepers or accountants or other people like business partners in the organization. They completely ignore this aspect. That makes them take decisions based on Assumption. They will assume that they have borrowed $ 500 or $ 800, and may assume that it might be costing them 6% or 8%. Based on these assumptions they will take decisions, which is nothing but guess-work.

If the assumption proves to be right, they are lucky and will make profit. If not then they will be praying that six months later it will bring them some profit.