Tuesday, September 1, 2015

32 Legitimate Ways to Make Money at Home

32 Legitimate Ways to Make Money at Home

Listen – we all know the internet is full of “make money at home” scams, so we’ve scoured through thousands of different ideas to find you 32 legitimate ones.

These are all ideas that we’ve done before, so we know that they’re real and that you’ll get paid. Plus, I guarantee there are some in here that you’ve never heard of…

1. Change Search Engines

If you spend a lot of time searching online, you might want to think about leaving Google/Yahoo and make Bing your default search engine.

Why? Bing wants to pay you for your searches!

You can earn credits through Bing every time you make a search — credits you can cash in for gift cards to a variety of stores like Amazon, Toys ‘r Us, and Starbucks. I usually only make an extra $5-$10/month, but it all adds up, right?

2. Watch YouTube-Like Videos

The folks over at InboxDollars will actually pay you to watch videos! Now, most of them aren’t as entertaining as the Grumpy Cat series, but you’re getting paid – so who cares?

This works because the videos are sponsored by brands who need to get it in front of as many eyeballs as possible. Every time you watch one of their ads, they’ll credit your account with a little bit of cash.

Here’s a link to signup.

Image: Cat video

Melinda Seckington under Creative Commons

3. Rate Your Local Pizza Place

Awww…yeah! Who wouldn’t want $5 and a free large pizza? :)

One of the companies that pays me to conduct liquor audits is currently looking for folks to conduct a quick review of their local pizza shop. As part of the assignment you’ve got to time their delivery service and quality of pizza.

It’s pretty easy to do and you can do it several times a year. Just fill out an application with Trendsource here and an Independent Contractor Agreement to get started.

4. Sell Your Junk Mail

I don’t know about you, but I get a lot of junk mail. My email inbox and my mailbox are both full of crap from different cable providers, credit card offers, car insurance, etc.

If you’ve ever wondered what you could do with all of that junk mail besides recycling it or sending it to your email’s trash folder, SBK Center has the answer. This market research company will happily accept your junk mail and email and, in return, give you Visa prepaid cards, which work just like debit cards.

(The SBK website states that they pay you in gift cards, but I contacted SBK directly and they confirmed that they have switched to Visa prepaid cards. It’s a great move because it means you can spend your hard-earned cash anywhere that accepts debit cards.)

Here’s more information on them.

Junk Mail

5. Take an Online Survey or Two

Most of you know that I practically despise survey companies because of their low payouts. But, I make an exception to my “no survey” rule when I’m watching TV.

My calculus on this is that I’m not really doing anything anyway, so I might as well make a few extra bucks. I usually pocket an extra $50-$100/month with this method.

Here are my favorites…

Springboard Panel

Swagbucks

SendEarnings (this one gives you $5 just to sign up)

Harris Poll

*I usually recommend you join at least two survey sites, so that you have more options to choose from. That way you’ll also be on their list when the high-paying surveys ($10+) come around.

survey

6. Download These Apps

There are a number of companies, including Google, that will pay you to install their app on your cell phone. And they’ll pay you for every month you keep them installed.

The apps collect data from your cell phone and help companies better understand web and mobile usage better — such as what times of day people browse, how long they stay on websites and use apps, and what types of sites and apps are popular (or not).

Here are my favorites (install all of them and earn $400/year or more):

– Smart Panel for iPhones –  If you install their free app on your smartphone, they’ll pay you $15 after only two weeks of it being installed. And they’ll continue to pay you $5/month. This one is for iPhones only.

– Nielsen Mobile Panel for iPhones – if you have an iPhone, the Nielsen company will pay you $50/year to keep their app on your cell phone.

– Google Screenwise Panel – Google will give you $8 seven days after you sign up and you’ll get an additional $2 every week after that. The “cash” rewards come in the form of a gift card (you can pick between Walmart, Papa Johns, Barnes & Noble, and a bunch of others…)

– MobileExpressions – this one can only be downloaded on iPhones. After you’ve installed it for 1 week, you get to play an instant rewards game for a prize (everyone wins something). I won a $25 gift card to Amazon, but some of the other prizes include iPads & Samsung TVs.

7. Rent/Sell Your Clothes Online

For some reason my closet is still holding on to the suit I wore to prom nearly 10 years ago. It’s never going to fit again, but some combination of laziness and sentiment has thus far kept it from landing on a Goodwill rack.

If you’re like me and have a closet full of stuff you don’t wear, what would you think about renting or selling your clothes out to strangers?

There are a few sites that make this possible including TradesySnapGoods.comLoanables.com, and RentNotBuy.com.

save money on clothes

Rubbermaid Products under Creative Commons

8. Open a Bank Account

Update July 2015: This offer has now expired.

The folks over at Nationwide will give you $200 just to open a checking account. You don’t have to get rid of your current account either; consider this one a useful place to save money for your emergency fund, vacation, new car, etc.

And the Nationwide checking account is pretty awesome. Their interest rate is 3x higher than what most banks will give you, plus you can use any ATM in the world for free (6x a month). Here’s the promo link.

You’ll need to deposit $50 to get started and use the offer code 03110470 (you can withdraw your fifty bucks later)

To get the $200 bonus, you’ll need to set up an automatic monthly direct deposit of at least $200 into your E-Checking account. Your monthly direct deposit of $200 must be received within 60 days of opening the account. The account must remain open for at least 90 days to receive the $200 bonus. The $200 bonus will be deposited into your new account within 2 weeks following the 90 day minimum requirement!

9. Fix Google’s Search Results

I’ll make about $700 this month for cleaning up Google’s search engine. And Yahoo’s search engine. And Bing’s.

And the best part? Most of it is done while sitting at home in my pajamas. What am I doing? Let me explain…

Search engines use complicated algorithms to determine the results you see. For example, if you type “Steve Gillman” into a Google search box a half-million possibly-relevant web pages will be narrowed down using various criteria until a second later you see my smiling face. You’ll also see links to my personal website, my blog on the Huffington Post, and LinkedIn profiles for a bunch of guys who share my name.

But the search engines don’t always get it right…

They are full of errors, so they need real humans to look at the results and judge them for quality, relevancy, and usefulness. If you’re interested in this type of work, head over to this article to get more info on how to apply.

10. Become a Test Knitter

The knitting scene has changed since the late 90s. It’s no longer a hobby dominated by grandmothers churning out Christmas sweaters for the whole family; knitting is cool again and many young people are picking up the needles.

Lee Meredith of Leethalknits says that she finds most of her test knitters in her group on Ravelry, a site for connecting with fellow knitters and crocheters. Knitters can sign up for her master list of testers and be contacted when she has a new project. She gives her knitters the exact project requirements: the pattern, the size of knitting needles, yarn weight and amount, and any embellishments. As the testers knit, they leave her feedback in a shared Google document.

Knitters who complete the project by the deadline and provide feedback and corrections on the pattern instructions get a finished copy of the pattern plus around $20 credit to her virtual store. Large or complex projects, or those with unusually tight deadlines, earn the knitter additional credit.

test knitting

Mackenzie under Creative Commons

11. Turn Your Grocery Receipts in For Rebates

You don’t have to cut back at the grocery store if you know the right tricks. Have you heard of rebate apps?

My favorite is the Ibotta app which works by giving you a cash rebate on your grocery store purchases if you take a picture of your receipt with your smartphone.

Many of the rebates are for things like steak, ground beef, bread and eggs. Plus, you can shop at your normal grocery store. There’s no need to run clear across town to save money.

Another good one is Checkout51. Download them both and sometimes you can get two rebates on the same item. :)

Ibotta

12. Get Paid to Lose Weight

Let’s face – every year we all make the same New Year’s resolution to get in better shape. Well, this year you’ll have a little extra motivation if you’re getting paid for it. We’re fans of both HealthyWage and DietBet, two sites that will allow you to place a wager and earn cash when you successfully lose weight.

And if you’re already in great shape, another great idea is to start a boot camp at your local park a couple of nights week. Start with just a few friends – these camps tend to grow pretty organically once people see a group of people working out. Most boot camps trainers can earn $100/hour or more.

13. Sell Your Old Books

We’ve all got way too much extra junk just sitting around. Get rid of some of it and use the extra money for your Christmas shopping.

You could of course have a garage sale or sell some stuff on Craigslist, but one of my favorite ways to get rid of stuff is to use the Bookscouter app.

You scan your book’s barcode with your smartphone and Bookscouter will let you compare the payout of 20+ different buyback companies. Cool, right?

Once you’ve found the buyback company offering the most cash, you just fill out a little information about where you want your payment sent and prepare the books to be shipped. Most of the buyback companies offer prepaid shipping labels too, so there aren’t any costs associated with this.

14. Earn Up to $25/Hour as a Transcriptionist

Looking for a flexible job that allows you to work from home, requires little to no prior experience, and doesn’t involve making sales calls?

Yes, this kind of work exists: You could become a transcriptionist. This job gives you the freedom to set your own hours and, in many cases, work as much or as little as you want each week.

Here are a few companies that will hire you.

But, fair warning: the work is quite repetitive. You will have to listen to the same audio over and over again in order to be sure you have transcribed it perfectly. If repetition drives you insane, transcription might not be the line of work for you.

15. Test Websites

Like most of us, you’ve probably commented on how some websites are confusing and others excellent. Rather than complaining to your spouse or friend, how would you like to make those comments to the owners of the sites and get paid for playing critic?

I do just that, and you can, too. In fact, you can make $30 per hour as a website tester.

The company is called User Testing. Here’s what the process looks like: you’ll download some software and then when tasks are available, look over a website while your mouse movements, clicks, keystrokes, and spoken comments are all recorded as a video. Afterward there might be a few questions to answer, but the whole process often takes 15 minutes or less. Cool, right?

16. Join an Online Focus Group

Ever wonder how the products you see on grocery-store shelves wound up there? Or who thought those TV commercials were a good idea? Somewhere between the concept and the final edits, it’s likely that a focus group was involved.

Focus groups vary in size and type, but most of them provide some sort of compensation — a check in the mail, a PayPal deposit or even a gift card. “The more formal the focus group, the more I expect to be paid,” says Sarah K., who’s participated in focus groups about bridal registries and sports nutrition products in the Los Angeles Area. For a longer session, she expects to make $100 to $200. “I’ll happily participate in a longer focus group if it pays well, is nearby and doesn’t conflict with any of my appointments,” she says.

One of my favorites is ProOpinion which is a focus group for professionals. Click here to visit their site and fill out the short sign up form to get started.

Here’s another great list of legitimate focus group companies.

17. Watch More Television

Alright, just hear me out on this one. It’s definitely possible to get paid to watch TV… There’s a new company called “RewardTV” that pays you to answer trivia questions about last night’s TV shows.

Do you know who they killed off on Game of Thrones last week? Tell them about it and they’ll pay you.

Did you know which contestant got kicked off “The Voice” this week? They’ll pay you.

You’re not going to get rich doing this, but it’s a fun way to make an extra $15-$20/month. Pretty cool, right?

Watching Netflix

18. Make an Extra $50/Week Working for Amazon

Have you heard of Amazon Mechanical Turk? Unlike other online sites that look for contract help, the Amazon Mechanical Turk service offers easy to accomplish tasks that can be completed by almost anyone with a computer.

From the articles and advice I’ve read from others completing tasks, the key seems to be just to jump in and quickly accept the next task you are qualified for. Don’t spend time hunting for the perfect task, just do them next, next, next, etc. While basic tasks may only pay $0.10 they are easy and quick to complete. It does not take long to complete a task in less than a minute so in an hour, with little experience, you can make $6 to $10 depending on how fast you are.

Amazon Mechanical Turk is not a get rich quick scam or one of those make massive income in your spare time ripoffs. But, realistically you can make an extra $50 or so each month.

19. Tell This Company What’s in Your Fridge

Believe it or not, this company wants to know what’s in your fridge…

Once you sign up to be on the Nielsen Consumer Panel, the company will send you a free scanner or you can use your smartphone. Every time you go shopping, you simply scan the barcodes on the back of each product and send your data off to NCP.

As an active participant, you earn gift points which you can redeem for different types of merchandise. You can choose electronics, jewelry, household items, and even toys for the kids. The longer you stay on the panel, the more opportunity you have to earn points towards prizes. You also receive entries for the panel’s many sweepstakes. Prizes include vacations and brand new vehicles.

fridge

20. Get Paid $50+ to Write an Article for These Sites

If you like to write, we found a few blogs that will pay you to share your thoughts. And there’s no limit to the number of articles you can submit, so this really is a nice side gig…

TheKrazyCouponLady.com – $50
This site accepts articles on a broad range of topics including style/fashion, couponing, family/parenting, and personal finance. The ladies guarantee that you’ll hear back from them within 7 days and will receive $50 via Paypal if they choose to publish your article. You can read all the details here

Listverse.com – $100
Listverse publishes nothing but lists. Their posts are all long lists (usually beyond 1,500 words long) containing at least 10 items, with an explanation of why each item deserves its place on the list. Read more details here.

ThePennyHoarder.com – $75
Got a crazy way to make/save extra money? We also pay our readers to submit articles and would love to have you contribute. Read all of our guidelines here.

Laptop Keyboard

Photo by LaMenta3

21. Sell Your SmartPhone Photos

If you have a smartphone and a photographic eye, making money may have just gotten a lot easier. Oh yeah – you’ll also need access to marketable scenery.

There’s a new app called Foap that allows you to turn your smartphone photos into cash.

Here’s how it works. You download the free app. You sign up for an account. You take a quality photo. You upload photo to Foap’s marketplace. Someone buys the license to your photo for $10. You make $5.

If your photo sells twenty times, you make $5 each time and end up with $100 in your pocket, all for about 5 minutes of work. Pretty cool, right?

iPhone Picture

22. Fix Apple iPhones from Your Couch

Dreaming of working from home during your terrible commute each day? Here’s a cool opportunity to work from home for a company you probably already love: Apple.

That’s right: You could be the next Apple At Home Advisor — an official Apple employee who offers virtual support for the company’s popular products, including iPhones, iPads and MacBooks, through the customer service program AppleCare. If you’re looking for more flexibility and the ability to work from home, this could be your chance to make that dream a reality!

You don’t need to live in a specific city to be considered for the job, though Apple is advertising through listings on job boards throughout the U.S. Instead, the company is looking for people with technical expertise who can work from home to get the job done to their standards.

Interested in applying? Check out the job listing here.

iPhone Being Held in a Hand

Photo by William Hook

23. Sign Up for Free Gift Card Promotions

Believe it or not, there are sites that will give you free gift cards just for signing up with them.

One of my favorites is Ebates, the cash-back shopping site. They’re giving away $10 gift cards if you sign-up as a new member and earn your first cashback rebate. You can choose either a $10 Target, Walmart, Macy’s, or Kohl’s gift card.

You do have to wait 30 days. But, it’s free money so can you really complain? :)

$10 Bill

24. Become a Teacher on Udemy & Google Hangouts

When you think about getting paid to teach what you know, what comes to mind? Putting up a poster in a local coffee shop and hoping for the best? Posting an ad on Craigslist?

Lucky for us, we’re no longer limited to our local area when it comes to getting paid to teach our skills. Thanks to online learning platforms like Google Helpouts and Udemyanyone, anywhere, can teach anything.

If you think you don’t have any skills to teach, think again. Most of us are experts at something, whether it’s putting on makeup, baking brownies, or even making balloon animals!

Drawing a blank on what you could teach or help others with? Here are some ideas:

  • Music lessons
  • Photography lessons
  • Web programming lessons or services
  • Computer repair lessons or services
  • Social media consulting
  • Cooking or baking lessons
  • Fitness instruction
  • Nutrition consultations
  • Academic tutoring
  • Life coaching
  • Style consultations
  • Beauty consultations
  • Gardening help

You get to set the rate for your lessons (most go for between $25-$50). And some people have been really successful at this – we just found a guy that’s made $500,000 selling his courses on Udemy.

Update 3/24/15: Unfortunately, Google just announced that “Helpouts” will be closing down on April 20, 2015. 

25. Sell Your Crafts on Etsy

Just because you don’t have a dedicated crafts room like Martha Stewart or Rosie O’Donnell doesn’t mean you can’t become a successful entrepreneur by selling your crafts online.

In the past crafters have had to slug it out at craft fairs and farmer’s markets, often meaning long hours and little profit. All of that has changed in the last few years as a number of online marketplaces, like Etsy, have opened that allow amateur crafters a forum to sell their goods.

In fact, we recently found a mom that’s earning $70,000/month on Etsy! Click here to read her story.

Selling Crafts

26. Sell Your Trash

Americans throw away approximately 266 million tons of trash every year and it turns out we might as well be throwing away cash!  There’s a reason dumpster diving has become so popular in recent years and that’s because things that you think are worth nothing often have value.

Anything from your empty wine bottles to old magazines can be sold online. Here’s a full list of the things in your trash that might be worth cash.

27. Sell Your Skills for $5 on Fiverr

Earning five bucks at a time may not sound like much, but those little sales can add up to thousands of dollars.

That’s the idea behind Fiverr.com, an online platform where users sell their products and services for $5 each. Fiverr says users create 4,000 new listings, or “gigs,” every day.

Gigs range from the standard data entry and research tasks to the truly out-there. For example, as I write this, sellers in the “Fun and Bizarre” section are offering:

  • A piece of rare metal that will melt in your hand
  • A prank phone call to anyone you choose
  • Three balloons released into the sky with your message in them
  • Your name written on two grains of rice
  • A photo of you on the cover of Rolling Stone magazine
  • A video of a woman pretending to be “crazy in love with you” — which has 253 buyers and a 98% positive ratingso far

You can seriously sell almost anything on Fiverr. Here are some more ideas.

28. Earn $100 By Helping a Company Name Themselves

Professional branders aren’t going anywhere, but for small businesses that can’t afford the million dollar price tag, there is a new trend called crowdsourcing that allows businesses to outsource the creative process to people like you and I through “naming contests.”

There are hundreds of naming contests on websites like NamingForce.com and SquadHelp.com. The way it works is that nameless businesses list a little information about their company and a prize amount for the person who can come up with the best name. The rewards are anywhere from $50-$500, with the average amount around $100.

For example, one company on SquadHelp lists that they are a company that buys used video games and that they will pay $80 to the person who can come up with the best name. A few of the submissions so far are “Cash 2 Gamers” and “Game Epix.” Think you can do better? Give it a try here.

29. Let Someone Borrow Your House/Apartment for the Night

I’ve used Airbnb to both rent out my apartment and stay in many others while traveling, and it’s a fantastic way to put your home to work for you. However, taking a few simple steps can make the difference between a great experience and a less-than-satisfactory one.

Whether you’re renting out a single room or your entire home, make the most of your Airbnb rental by following these tips. If you do it well, you could add hundreds or even thousands of dollars to your savings account.

Image: Airbnb

Nicholas Wang/Flickr

30. Become an Online Tutor

Education is one of the world’s leading industries and by the year 2017 the private tutoring market alone is expected to top $100 billion.

Have you ever considered becoming an online tutor to make extra money?  Well, if you haven’t, you most certainly should.  You can make some serious coin by answering student’s questions, explaining your notes, and uploading tutorials.  That’s right, by sharing your knowledge, you can be rewarded handsomely.

Try marketing your services on a site like AceYourCollegeClasses.com where some of the top tutors have earned more than $10,000.

31. Become a Dog Masseuse 

We’ve talked before about ways to get paid to spend time with cats and dogs, but this is a new one: pet massage.

That’s right: some people earn money for massaging animals. It might sound a little strange, but apparently many cats and dogs enjoy a good massage as much as humans do.

If you like petting your furry friends, why not explore this option? With a bit of training you can make $50 per hour as a pet massage therapist. Here’s how to get started.

Dogs Cashing In on Social Media Fame

Jelly Dude under Creative Commons

32. Write Slogans for Major Companies 

Can you sum up a product in a sentence? Think of something funny — and not another joke about too many candles — to put on a birthday card? Make a point in few concise words?

If so, you might be able to make money writing slogans.

Companies sometimes need new corporate taglines, advertising slogans and jingles. Bumper sticker and greeting card makers want cute, endearing or funny thoughts to put on their products. When these businesses need help, they sometimes collect submissions from freelance writers or run contests that anyone can enter — including you!

Try one or more of these platforms to get started:

  • Slogan Slingers helps companies create slogan contests in which their registered writers compete. It’s free to sign up as a writer, and the company claims you can “make up to $999 per contest (minus our small admin fee).”
  • Get a Slogan is a “crowd-sourcing platform that brings in custom, creative and catchy slogans from a variety of sloganeers.” Companies come to them for help, and writers submit their ideas. It’s free to sign up, but you initially have only “qualifying” status. Once you obtain “qualified” status, you’ll receive $50 for each of your winning slogans.
  • Freelancer.com has a section devoted to slogan-writing projects, which are sometimes run as contests. For example, at the moment a personal injury law firm is offering $150 for the best “unique and memorable tagline/slogan.”

Your Turn: Would you try any of these methods to make extra money at home?

Disclosure: We appreciate you letting us include a couple of affiliate links in this post. It helps keep the beer fridge stocked in the Penny Hoarder break room. 



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Monday, August 17, 2015

5 Ridiculous (but effective) Ways to Save On Your Groceries

5 Ridiculous (but effective) Ways to Save On Your Groceries

Listen, even if you’re not one of those crazy coupon ladies that you see on TLC, you should still be saving a lot more on your groceries than you already are.

I’m not saying you need to hoard 455 rolls of toilet paper or that you need to spend hours comparing sales ads, but there are a few weird (and easy) things you can do to save some money on your grocery bill.

Here are 5 ridiculous ways to save on your groceries…

1. Take a Picture of Your Receipts

Yeah, did you know that you can get cash-back on your groceries just for taking a picture of your receipt? The very popular website and mobile app, Ibotta will pay you to do just that. Here’s how it works….

1. Sign up for Ibotta here (you just need a name/email address to start).

2. Browse through the cash-back offers in your area and take note the next time you go to the grocery store (the offers change every week). For example, in my area Ibotta will give me .50 if I take a picture of a receipt showing that I bought a gallon of milk and a $1.00 if I take a picture showing that I bought graham crackers. Pretty cool, right?

Ibotta

3. So, obviously you don’t want to buy a bunch of crap you weren’t already going to buy. But, this can be an easy way to get a little cash-back for doing something you were already going to do. Also, you can still use coupons on the items you’re buying, so this can be a nifty way to “stack” your savings and in some cases, you might be able to get the item for free.

4. Once you’ve reached $5 earnings or more, you can request payment via Paypal or Venmo.

5. If you like doing this kind of thing, I’d also check out Checkout51 as it’s very similar (although you don’t have to have a smartphone to use them). Heck, sign up for both and you might be able to get cash-back on your receipt twice. :)

homescan2. Scan The Groceries When You Get Home

Did you know that the Nielsen company will pay you to scan your groceries each week? Crazy, right?

Once you sign up to become a Nielsen Consumer Panel family, the company will send you a free scanner (like the one pictured to the left) or you can use your smartphone. Every time you go shopping, you simply scan the barcodes on the back of each product and send your data off to NCP. Pretty easy, huh?

If you want to give it a try, you can fill out an application here.

As an active participant, you earn gift points which you can redeem for different types of merchandise.  You can choose electronics, jewelry, household items, and even toys for the kids. The longer you stay on the panel, the more opportunity you have to earn points towards prizes.

You also receive entries for the panel’s many sweepstakes.  Prizes include money, vacations, and brand new vehicles.  This is a great way to make your consumer voice count and be rewarded handsomely for recording your purchases.  You’re already going to the grocery store anyway, right?

coupon-clipping3. Get Paid Extra to Use Your Coupons

The company, InboxDollars will actually pay you to print and use the coupons they offer on their website. Here’s how it works…

1. Sign up for a free account with InboxDollars (just need a name & email address). Plus, they give you $5 free since I referred you.

2. Navigate to the “Coupons” section. There you will find dozens of high-value coupons for everyday items like cereal and toilet paper. Select the ones you want, print them out, and use them in your store like a regular coupon. But here’s the kicker —- InboxDollars will pay you ten cents for every coupon you use.

Now, that might not sound like a lot of money, but I’m going to let you in on a little secret. Most of the coupons that you can print on their site are the same coupons you find in your Sunday newspaper or on Coupons.com. They’re actually put out by the same people. :) So, it’s free cash for coupons you’re probably already clipping. And all those dimes start to add up after awhile…

Sam's Club4. Stop Paying for a Costco/BJ’s/Sam’s Club Membership

At around $50/year, a saving’s club membership can be a pricey way to buy groceries in bulk. Instead of schlepping down to the store, try buying your bulk items online on Amazon Grocery. Not only will you save $50/year in membership fees, but Amazon will ship most things to you for free.

Also, do you know about these Amazon-only coupons that are posted each week? For example, this week there are coupons on formula, granola bars, K-cups, and more. Just click the coupons you want and Amazon will automatically deduct them from your bill before you checkout.

barclaycard5. Get 2% Back on All of Your Grocery Store Purchases

If you’re not using a rewards card for your grocery purchases, you’re really just leaving free money on the table. One of my favorite reward cards is the Barclaycard® Rewards MasterCard® – Average Credit. They give you a whopping 2 points for every dollar worth of groceries, gas and utilities you put on the card each month!

Plus, they give you 1 point for every other dollar you spend. And there’s no annual fee with this card, meaning if you paying off it in full each month, it really will cost you nothing to have this card. And the points can be converted to cash (1000 points = $10)

Consider this – the average family spends $1024.70/month on groceries, $368/month on gasoline and $163/month on utilities. If you can commit to just putting those purchases on your card, you could pocket an extra $31.11 every month.

Also, this is a pretty easy card to qualify for (it’s marked as average credit).

Your Turn: Would you use any of these unusual ways to save a little extra on your groceries?

Good luck Penny Hoarders!



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Saturday, August 15, 2015

Here I Stand

Here I Stand

Asking God to sanctify sin by blessing what he condemns is irresponsible, irreverent, and blasphemous. It is completely unacceptable as church policy. I will not do it.

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In 2002, the synod of the Anglican Diocese of New Westminster authorized its bishop to produce a service for blessing same-sex unions, to be used in any parish of the diocese that requests it. 

A number of synod members walked out to protest the decision. J. I. Packer was one of those who walked out.

When asked why he walked out, he answered, “Because this decision, taken in its context, falsifies the gospel of Christ, abandons the authority of Scripture, jeopardizes the salvation of fellow human beings, and betrays the church in its God-appointed role as the bastion and bulwark of divine truth.”

Nearly 14 years ago, this biblical scholar demonstrated a respect and confidence in the functional, life-directing authority of Scripture rather than in the subjective opinions of man.

I have attempted to describe my heart and spirit as I enter this “public” debate relative to God’s Word.  I have often pointed to men like Paul, Peter, John, and Jude who were unashamed of standing on the Truth of God’s Word and pointed out error.

I found Jude’s word in his New Testament letter (verses 3-4),  to be the summation of my convictions and the reason for my standing for God’s Word.

I have decided, regardless of what personal preferences other pastors may hold and irrespective of the cultural trends in play, I will affirm the Bible as the ethical standard by which to judge my life and my responsibility.

Regardless of the opinions of the pseudo-intellects of our day, many who stand in pulpits that once stood upon Biblical Truth, there are only two ways to exegete Paul’s thought in 1 Corinthians 6:9–11 and other similar biblical passages.

One is to embrace an artificial interpretation of the text in which Paul is conceived as speaking of something other than same-sex union.

The second approach, as J.I. Packer notes, “is to let experience judge the Bible.”

……..Experience suggests that homosexual behavior is fulfilling to some; therefore, the Bible’s prohibition of it is wrong. But the appropriate response is that “the Bible is meant to judge our experience rather than the other way around,” and “feelings of sexual arousal and attraction, generating a sense of huge significance and need for release in action as    they do, cannot be trusted as either a path to wise living or a guide to biblical interpretation.”

J.I. Packer helps even the most timid among us understand “WHAT IS REALLY at stake” in today’s discussion; it is the nature of the Bible itself. Packer writes,

……Either the historic Christian belief that through the prophets, the incarnate Son, the apostles, and the writers of canonical Scripture as a body, God has used human language to tell us definitively and trans-culturally about his ways, his works, his will, and his worship. Furthermore, this revealed truth is grasped by letting the Bible interpret itself to us from within, in the knowledge that the way into God’s mind is through that of the writers. Through them, the Holy Spirit who inspired them teaches the church. Finally, one mark of sound biblical insights is that they do not run counter to anything else in the canon. . .[scripture]. . .

The second view applies to Christianity

. . .the Enlightenment’s trust in human reason, along with the fashionable evolutionary assumption that the present is wiser than the past. It concludes that the world has the wisdom, and the church must play intellectual catch-up in each generation in order to survive. From this standpoint, everything in the Bible becomes relative to the church’s evolving insights, which themselves are relative to society’s continuing development (nothing stands still), and the Holy Spirit’s teaching ministry is to help the faithful see where Bible doctrine shows the cultural limitations of the ancient world and needs adjustment in light of latter-day experience (encounters, interactions, perplexities, states of mind and emotion, and so on). Same-sex unions are one example. This view is scarcely 50 years old, though its antecedents go back much further.

Please understand there is more than an intellectual battle going on today or a fight among the preachers……..to bless homosexual behavior is an explicit deviation from the biblical gospel and the historic Christian creed.

The doctrines of creation, sin, regeneration, and sanctification are necessarily distorted in the effort to justify same-sex intimacy. Not to mention that the Apostle Paul writes that the eternal welfare of the individual is at stake.

We must not allow the forces of political correctness or a desire to be “liked” to trump the compelling factor that the love of Christ causes us to tell the truth.

Martin Luther, the Reformer, said in 1521:

Unless you prove to me by Scripture and plain reason that I am wrong, I cannot and will not recant. My conscience is captive to the Word of God. To go against conscience is neither right nor safe [it endangers the soul]. Here I stand. There is nothing else I can do. God help me. Amen.

To be clear, I summarize…

My prayer and effort will be to “be Christ Like” In discussion and dialogue. I will seek HIS strength to “speak the Truth in Love”. I will be fair and clear in my words and expressions.

However, I am reminded that Jesus Loved Perfectly as he taught, lived and engaged His Culture; and they still Killed Him.

Second, this is NOT PERSONAL. Nearly every family has as a friend, uncle, aunt, son, daughter, colleague who is “caught up in some sin”. I want to speak Truth so our friends and family will come to the Truth and be assured of Eternal Life with the Father.

Finally, the belief that what God has revealed in the written Word is binding on the consciences of all Christians and gives shape to their behavior on every issue, not merely same-sex marriage, will be my approach to living the Christian life and the guide for exercising the calling God has placed on my life.

Dr. Tom Smiley is a pastor, author, speaker, blogger, husband, grand dad, and Christ-follower.  He is a regional radio talk show host with WDUN Jacobs Media.  He is the founder of Life with Smiles Ministry and Church Well Solutions, a ministry consulting work.  His Sunday messages are broadcast on WDUN 550, and his “blog” entries and thoughts on God, Christian faith, current events, politics and Islam are available at https://tomsmiley.wordpress.com/

His books: Runaway Lives: Overcoming Emotional Undercurrents, Angels all Around, and Uncommon Common Sense can be ordered at his Life with Smiles website (www.lifewithsmiles.com).  Dr. Smiley is available for speaking engagements and discussion forums and can be contacted at tsmiley@lakewoodlife.org or by calling 770.532.6307 or email at tsmiley@lakewoodlife.org

I found content and and facts from from Packer on the Christian Life: Knowing God in Christ, Walking by the Spirit by Sam Storms, which is part of the Theologians on the Christian Life series, To be very helpful in writing this BLOG. I recommend your review.



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Sunday, August 9, 2015

The Accountable Person’s Bill of 39 Rights

The Accountable Person’s Bill of 39 Rights

Join us on our Facebook page for positive QBQ! Accountability images & messages!

Bill of Rights ... iStock_000007427085_Large

If you know what we do here at QBQ, Inc., it’s no surprise to you that we think about PERSONAL ACCOUNTABILITY—a lot.

What does personal accountability mean? How is it manifested in a person’s life? What does practicing it do for us? What is the “why” behind living accountably? How do we make it a core value inside organizations? 

All good questions, along with this one:

If John G. Miller was to make a public ‘declaration of accountability’—what would it look like?

So began the creation of a list—a “bill of rights,” if you will—for me. Not for you. However, as you peruse them, if you believe any are worth incorporating into your life, go right ahead! 

The Accountable Person’s Bill of 39 Rights

  1. I reserve the right to choose my words carefully, taking responsibility for each of them.
  2. I reserve the right to worry less about how others live and more about how I live my life.
  3. I reserve the right to share my opinions without fear my character will be attacked.
  4. I reserve the right to not call people names when they disagree with me.
  5. I reserve the right to not be easily offended.
  6. I reserve the right to not live a life of griping and grievances.
  7. I reserve the right to not rejoice when others stumble.
  8. I reserve the right to remember that my actions always speak louder than my words.
  9. I reserve the right to not hide behind the Internet to lash out at people.
  10. I reserve the right to not start or engage in purposeless arguments on Facebook.
  11. I reserve the right to disagree.
  12. I reserve the right to not scream and yell at those who disagree with me.
  13. I reserve the right to use social media in a positive, uplifting manner.
  14. I reserve the right to say “I don’t know” when I don’t know.
  15. I reserve the right to admit when I am wrong.
  16. I reserve the right to work for all I have and not become entitled.
  17. I reserve the right to change the one person that I can—me.
  18. I reserve the right to not speak of things I know nothing about.
  19. I reserve the right to dismiss Hollywood stars who have decided they’re experts in all matters.
  20. I reserve the right to not put any celebrity—including politicians—on pedestals.
  21. I reserve the right to treat all human beings with respect.
  22. I reserve the right to honor my country by honoring its laws as written.
  23. I reserve the right to believe the U.S.A is the greatest nation on Earth.
  24. I reserve the right to vote for politicians based on their competence, experience, and principles—and no other factors.
  25. I reserve the right to not form an opinion until all facts are known.
  26. I reserve the right to makes decisions based on my values, not expediency.
  27. I reserve the right to be more concerned about my integrity than another’s.
  28. I reserve the right to share my blessings with the needy and not judge those who don’t.
  29. I reserve the right to turn off television shows that are counter to my family’s values.
  30. I reserve the right to ignore all talking heads on all television networks.
  31. I reserve the right to tune out any journalist who goes beyond reporting the news.
  32. I reserve the right to object to teachers using my kid’s classroom to share their politics. (Note to 1st – 12th grade teachers: Please stick to teaching reading, writing, and ‘rithmetic!)
  33. I reserve the right to not get caught up in fads, including the latest “diet” plan.
  34. I reserve the right to think before I speak.
  35. I reserve the right to resist marketer’s pitches for shiny new things and spend less than I earn.
  36. I reserve the right to engage in strong, confident, and loving parenting.
  37. I reserve the right to break from group thinking and reason for myself.
  38. I reserve the right to own my decisions and not blame the lousy ones on someone else.
  39. I reserve the right to take personal accountability for my life and make NO EXCUSES!

And that’s my list. Hope you enjoyed it! Three questions:

Of these 39 “rights,” which are most meaningful to you?

Which one(s) will you put into practice today?

Can you add to our list?

If you are not subscribed, please do so here.

John Miller

John G. Miller is the author of QBQ! The Question Behind the Question, Flipping the Switch: Unleash the Power of Personal Accountability, Outstanding! 47 Ways to Make Your Organization Exceptional and co-author of Parenting the QBQ Way. He is founder of QBQ, Inc., an organizational development firm dedicated to “Helping Organizations Make Personal Accountability a Core Value.” A 1980 graduate of Cornell University, John has been involved in the training and speaking industry since 1986. He lives in Denver, Colorado, with his wife, Karen. The Millers have 7 children and 5 grandchildren. Reach John by email at John@QBQ.com.




Sunday, August 2, 2015

8 Lessons Our Editor Learned from the Decluttering Bible

8 Lessons Our Editor Learned from the Decluttering Bible

I’d heard about Marie Kondo, a Japanese organizing consultant, from friends who spoke evangelically about her methods and how they’d transformed their lives. In case you haven’t, here’s the gist: with her little turquoise book, The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing, Kondo set off a decluttering craze across the globe.

Kondo’s services command a waiting list a mile long in Japan, but for the rest of us, her book breaks down her radical, two-pronged approach to tidying. First, put your hands on everything you own, ask yourself if it sparks joy, and if it doesn’t, thank it for its service and get rid of it. Second, once only your most joy-giving belongings remain, put every item in a place where it’s visible, accessible, and easy to grab and then put back. Only then, Kondo says, will you have reached the nirvana of housekeeping, and never have to clean again.

All of this sounded wonderful. But as a working mother I can barely keep up with the demands of daily life (laundry! groceries! deadlines!). But once I read Kondo’s book, I got totally sucked in. It turns out, tidying really may be the way to bliss. Here’s what I learned.

 

I might have been too lazy to declutter, but I was down for some reading—the book is surprisingly addictive.

Lesson #1: Tackle Categories, Not Rooms

I’d always tackled clutter by room—take on the office first, the bedroom next. Instead, Kondo’s first rule is to tidy by category—deal with every single one of your books at once, for example, otherwise they’ll continue to creep from room to room, and you’ll never rein in the clutter. She advises beginning with clothing, since it’s the least emotionally loaded of one’s things (books come next, old photographs are much later), so as soon as I found a free afternoon, that’s exactly what I did.

Lesson #2: Respect Your Belongings

With my eyes now open, I realized my closets had hit rock bottom. Everything had succumbed to a mixed-up messiness. Kondo asks that you consider your clothing’s feelings: Are they happy being squashed in a corner shelf or crowded onto hangers? Are your hardworking socks really thrilled to be balled up? It had sounded out there when I read it, but suddenly my clothes looked totally miserable.

 

Getting nostalgic over old letters or distracted by sweet toddlers might be a temporary high, but it won’t get you anywhere fast.

Lesson #3: Nostalgia Is Not Your Friend

As I started emptying the closets, I opened boxes filled with letters and old photographs. Serious mistake. Kondo knows what she’s talking about when she insists you put blinders on and focus only on the category of stuff at hand. Read one old letter, and suddenly you’re down a rabbit hole of nostalgia.

To be honest, I was probably procrastinating. In theory, I was sold on the idea of living exclusively with clothing that gives me joy, but I still had hang-ups: What will I be left with? Will I have anything to wear to work? Will I have to sacrifice beloved things, all for the sake of decluttering?

Then my 18-month-old son, Henry, wandered in, and there’s nothing he loves more than recluttering. The afternoon was basically lost. If you do this, don’t waste time like I did (and maybe book a babysitter for this project).

 

Kondo warns that you shouldn’t show your family the discard bags, since they’ll want to stop you from getting rid of so much. Case in point: Henry tried to nab an old hat.

Lesson #4: Purging Feels SO Good

From then on, I followed Kondo’s advice to a T. I gathered every piece of my clothing and put it in one giant pile. While I normally tidy my clothes only when I’m on a long phone call—distracted from the task at hand—today I wasn’t even supposed to listen to music. Channeling Kondo, who says a prayer upon entering a client’s home, I lit a candle, said a little prayer, and started digging through the mountain of clothes.

Once I got to work, it was so much easier and more fun than I’d thought. This question of joy gives you permission to let go of off-color shirts bought on sale, dresses past their prime, skirts that always clung uncomfortably. I realized I had many things that seemed great in theory but weren’t actually my style—they’d be better on someone else’s body or in someone else’s life (examples: an überpreppy skirt or a corporate-looking jacket).

Six hours later, I’d filled 12 bags with non-joy-giving clothes. Instead of panic, I felt relief—12 times lighter. It also felt like good karma: The best stuff went to a consignment shop, and the decent stuff went to a charity thrift store, off to see a new, hopefully better life.

 

While she doesn’t go for the classic storage pieces, Kondo loves a good shoebox (or any pretty box you have tucked away) for its all-purpose organizing power.

Lesson #5: Fold, Don’t Hang

Once you’ve sorted out the things to discard—and only then—you can decide where the remaining things should go. Rather than folded in a cubby or hanging in a closet, Kondo thinks a lot of our clothing would be better off (or as she’d say, happier) folded in a dresser.

I hadn’t been using a dresser at all before, but now, having begun with four overflowing closets, I was down to enough clothing to fill one closet and one dresser. Pulling from the tops, pants, and scarves now destined for the dresser, I started folding using Kondo’s special technique.

 

Here’s the basic KonMari vertical fold, which can be applied to everything from T-shirts to stockings. First, make a long rectangle, and then fold from the bottom up into a little package.

Lesson #6: THE Fold!

Kondo’s vertical folding technique makes everything easy to spot and hard to mess up (you aren’t jostling a whole pile every time you take something out or put something back). Folded this way, clothing looks like fabric origami, ready to line your drawers in neat rows.

To keep these little folded packages standing at attention in the dresser, Kondo suggests using shoeboxes as drawer dividers. A smaller box is perfect for square scarves, a deep one can go on a bottom drawer for sweaters.

 

The dresser install, using a few shoeboxes. I even folded some of my husband’s striped shirts (on the left), just to inspire him to try this in his own drawers.

Polynesian 6-Drawer Dresser* Polynesian 6-Drawer Dresser SHOP NOW

Kondo advises hanging clothes so that the line along the bottom slopes upward—it adds an optimistic zing.

Lesson #7: Fall in Love with Your Closet

This is why people become evangelical about the KonMari method. Once you’ve cleared away the clutter and put things away, your dresses and skirts—the fun stuff, let’s be honest—can see the light of day. There’s breathing room between pieces, so you no longer have to do that awkward arm wrestle with the racks. All of which means you get a hit of joy—even hope!—just opening your closet, whether you’re getting ready in the morning or planning a party ensemble.

 

My bag in its proper resting place, alongside a little damask-covered box that holds a few clutches, making them visible and easy to grab when running out the door.

Three dresses that bring lots of joy—a vintage Mexican dress, an architectural silk number, and a swirling polka-dot piece from a nutty great-aunt.

Lesson #8: Rediscover Your Style

For years, I’ve worn the same rotation of easy-to-grab, reliable pieces without dipping into all the color in my closets. And there’s a lot of it—maybe because I grew up near the ocean, I have a weakness for turquoise and pink and love a color mash-up and summertime prints. I’d almost forgotten about these colors in the daily race to get out the door.

My Six Favorite Results, A Month Later

#1 Getting dressed is no longer a chore. Digging through an overstuffed closet was painful. Now my closet feels richer, loaded up with good things that I’ll get a little thrill from wearing, whether it’s while riding the subway or dancing at a wedding.

#2 I’ve identified the true holes in my wardrobe. It turns out that I own only one pair of sandals that I love, and have no really joy-giving jeans (who does? any suggestions?). Now, instead of shopping vaguely and coming home with something I already have, I really know what to hunt for.

#3 I’m collecting things I really love. This process has made me pickier, and by not frittering away cash on so-so things, I’ve been able to make more-thrilling purchases: a bold floor-length dress, a yummy Matteo quilt I’d eyed forever, an opalescent abalone shell to hold my favorite earrings.

#4 Treating your things with respect makes them look better. And to coin a new Kondo-ism, sometimes respecting something means letting it go. My son’s babysitter took a few scarves that had been clumped in a sad pile and ties them into beautiful headscarves. The look punches up the dreariest Monday morning.

#5 Cleaning is so much easier. Yes, I still have to tidy—I’m guessing only the most devout, extreme practicers of the KonMari method will “never have to clean again.” But now that everything flows into order, the cleanups are much fewer and farther between.

#6 All sorts of decisions are falling into place. This might be the best payoff of all: Once you’ve looked at hundreds of things and asked yourself if they give you joy, decision-making gets a lot easier: which book to read, which projects to pursue, what to make for dinner, whether to say yes or no to the many optional obligations that come our way.

I can’t wait to tackle category two: the books. Just waiting for another spare afternoon.

 

I love having books everywhere—reading is my favorite way to Zen out and get happily lost. But I’ll be glad to make room for good new reads.



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