Hey college students! So, we all know that we want to do fun/unique things with our significant others, but sometimes date night can become a high-priced ordeal. If it’s someone you’re asking out for the first time, you might quickly resort to the “Let’s go to dinner!” in panic mode not knowing what to say. Whoops! Who knows how much that’s going to cost!? When put on the spot for anything, our minds just shoot to the standard date night activities. Reading over these fun and inexpensive ideas will help them pop into your head the next time you get a “what do you want to do?”. Not only will your pockets be happy, but people love a creative, different activity that sticks in their memory way more than anything that they have done a bunch or that is expensive.
The Mental Switch
There is a common misperception in most people’s minds, they think to themselves, "It takes money to be healthy". The only advertised ways to get healthy are expensive diets, programs, and gyms. However, what the health industry doesn’t want you to know is that getting healthy can be simple and FREE. This blog’s goal is to give you just a few quick ways to start on the path to a healthy lifestyle that actually increases your wealth!
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One of the best ways to ramp up your savings each day is to learn how and when to avoid unnecessary spending. It is no coincidence that some of the wealthiest people in the world are also the most thrifty.
There is a famous story that Bill Gates likes to tell about the time Warren Buffet offered to pay for his lunch at McDonald's, and pulled a Buy One Get One coupon out of his pocket. These are two of the wealthiest men in the entire world, and even they understand the value of a good deal. Keep all the coupons you come across somewhere convenient, and eventually you are bound to get a better deal than you would if you hadn't.
Cook in Bulk
This one is especially important for people who live alone. I'm sure everyone who lives and cooks by themselves has noticed at some point that the majority of the groceries they buy are meant to sustain more people, and therefore a portion of each product they buy is usually wasted. One of the best ways to maximize the value of your groceries is to cook everything in advance, and have your meals planned out for a week at a time. This way, you don't have to spend time worrying about cooking every night, and you don't have to waste the excess food you spend your money on.
Stop Drinking Soda
This is one of the most beneficial things you can do not only for your wallet, but also for your health. Soda is bad for your cholesterol, bad for your teeth, and bad for your bank account. Most of the places you go to will charge anywhere from $2 to $4 for a fountain drink, and almost all of these places will give you a cup of water for free! If you have a deep love for soda and don't want to stop drinking entirely, buy cases of canned soda rather than two liters, as they will usually last longer without going bad, and can help limit the amount of soda you drink in a single sitting.
Do you eat peppers, tomatoes, and green onions? Well good news, these are just a few of a huge selection of foods that you can easily grow yourself with minimal effort. You can even plant celery stalks and green onion stubs that are left over from cooking and these will be ready to harvest within two weeks.
Put Your Phone to Work
There are countless apps that will help you to find savings on groceries, gas, tickets, and just about everything you can think of. GasBuddy is a great app to find cheaper gas, and apps like Zap Surveys will actually make you money from anywhere you have service.
Like this article? Be sure to check out some of our others to help you save some extra cash!
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Forget your buddy's birthday? We scoured the internet for some of the coolest gadgets and gifts you could afford for just $25.
1. A Giant Fist Shaped Koozie
Intimidate your enemies with this giant fist that will help you crush brews and foes alike. For just $17 you can keep drinks cold with this Giant Fist at birthday parties, barbecues, Bah Mitzvahs, or even just a casual drink at home. Coincidentally, most users who use Zap Surveys manage to cash out for $25 within the first week, so you can afford shipping and HAND-ling easily.
2. Exercise Doorway Bar
Have you ever hosted a dinner party and thought to yourself, "Man some chin-ups would really get this party started"? If so this Doorway Pull-Up Bar could be just what you need to impress your guests with raw bicep and shoulder strength from the comfort of your own dining room.
3. You've Been Poisoned Pint Glass
Want to scare your friends? Want to ironically murder your enemies? This Pint Glass may just be the perfect way to warn guests and acquaintances not to get on your bad side. One week of Zap Surveys and you could get two!
4. Personal Water Filter Straw
The LifeStraw should prove invaluable if you have a love of camping, a passion for hiking, or a fear of tap water. Impress your neighbors by slurping up the dirtiest puddles on the block.
5. Shower Speaker
The VicTsing Shower Speaker finally lets you bring music anywhere. This speaker is compatible with virtually every shower, except for that one kind of shower where you just stand in a tub and dump a bucket of water on yourself, then it's kind of useless because your shower takes about 20 seconds.
6. An Obscene Amount of Ladybugs
If you cash out with Zap Surveys, you will have enough money for 4500 ladybugs and shipping, and still have some money left over for something less practical. An average survey rewards you about $0.75, which is equivalent to around 218 ladybugs based on current market prices.
7. Venus Fly Trap Plant
Did the ladybugs team up and perform a hostile takeover on your apartment? Take back what's yours with these Venus Fly Traps.
We all know we should invest, but not many of us see the massive value it really adds to our wealth. This blog post is devoted to showing you the difference in putting your money in a savings account vs investing in an averagely performing mutual fund and its effect on your bottom line.
The Savings Account
Say you start with $10,000 in the bank account
You invest $50 a month for 25 years
Your typical bank savings account pay .02% interest monthly
At the end of the 25 years your account total is $25,087.81
The Mutual Fund
You start with the same amount, $10,000
You invest the same $50 a month for 25 years
A well performing mutual fund will have an average return of 10% annually
At the end of the 25 years your account total is $173,256.12
Use Zap Surveys to earn that $50 a month for your Mutual Fund! As you can see the interest your investment receives is even more valuable than the hard cash your putting into the account. At $173,256.12 you increased your overall earnings by $148,169, a costly amount to overlook!
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There are thousands of successful gamers who make a majority of their income simply by uploading videos of them playing games to YouTube or streaming live on Twitch. Here are a few tips to stand out from the crowd.
1. Pick the Right Game
Unless you are on Ninja-esque levels of Fortnite ability, there is almost no point in starting a channel on games like that. YouTube and Twitch are extremely over saturated with huge titles like Fortnite and Call of Duty, so if you choose to brand your channel around these games be prepared to be buried by other well established channels. A much better strategy is to play a variety of games, and figure out which games you enjoy which also appeal to a wide audience. Some of the best gaming channels play more nostalgic titles on older consoles or mobile apps, while other successful channels play games you may have never even heard of.
2. Be Entertaining
This one may be a given, but you can't expect anyone to enjoy watching you if you are completely silent for the entirety of the video. Our advice on this one is pretty straightforward; practice. Record some videos just for yourself, figure out your style and how you want to present yourself. Eventually you will build up enough confidence to produce videos that flow well and engage your audience.
3. Two Heads Are Better Than One
Channels like Game Grumps, Achievement Hunter, TwoBestFriends Play, Funhaus and many other of the most successful gaming channels have all figured out that it is very hard to be engaging by just talking to yourself while playing a game. Sure there are many other gamers who do every video alone, and still manage to get insane amounts of views, but these people possess a very rare talent to be entertaining all on their own. Find a friend or a group of friends and build up a good rapport that viewers will find engaging. This will build confidence and allow you to create content which feels more natural to the audience.
Once you've built up a loyal fan base and become practiced at regularly producing content, it's time to monetize. There are many ways you can do this, and often times if your channel is big enough you will actually be approached by companies looking to advertise their products on your channel. Obviously most YouTubers opt into pop up ads or videos which play before videos, and while these are a great place to start, the most profitable channels give brief shout outs to various companies or products and include links in their bios.
5. Make the Right Deal
There are many platforms available which connect YouTube personalities with companies willing to pay for promotions on their channels, such as FameBit. While these sites can be an extremely valuable way to make connections, a majority of these platforms actually take a cut of whatever deal you make with advertisers, which instantly reduces the value of your deal. Another common practice is to set a flat rate for a promotion which runs a specified amount of time, for example a 30 second shout out at the beginning of a video for $150. This may be a good deal for your channel, but in many cases channels will prefer this option and turn a blind eye to other deals which could potentially be much more valuable. PPA, or pay per action, is a method of payment which offers you a small amount of money for each user you directly create for a company. For example, if a company is trying to promote an app and offers you a PPI or CPI, that means they will pay you for each install your video generates. This can be an absolutely fantastic option, because you have essentially unlimited earning potential and, depending on how loyal your audience is, you will most likely generate much more income than any fixed rate.
If you follow these tips, you should be well on your way to making a respectable income just for sitting at home and doing what you love. If you liked this blog make sure to subscribe and check out some of our others:
The Era of the Side Hustle | 4 Ways to Make Your Phone Pay For Itself | Air Bank N Bank
Each new generation of iPhone costs more and more at launch, so we decided to figure out some ways to fund your investment
1. Check out Zap Surveys
As far as make money apps go, Zap Surveys is by far the quickest and most reputable way to earn Amazon gift cards or PayPal cash. Just for completing the very first survey you receive $6.25! Zap Surveys is the highest paying survey app on both iOS and Android, and for each dollar that you earn, $0.20 is donated to a charity striving to end world hunger!
2. Invest with Acorns
Ever wish that you had saved all the loose change you've accrued over the years? Well now you can start by downloading the app Acorns. Link your credit or debit card to Acorns and the app will automatically round up each purchase you make to the nearest dollar, investing that change in a variety of user-specified ways.
3. Try your luck on MoneyLine
If you love sports but don't want to take the risk of putting your real money at stake, MoneyLine rewards users for correctly predicting various sport matchups. Once you've hit a long enough streak, you can earn up to $1,000,000!
4. Build your bank with Receipt Hog
Receipt Hog is another low effort app you can use to make your phone turn a profit. All you have to do is snap a picture of your receipt after you shop anywhere. Not only will Receipt Hog keep a digital portfolio of all your purchases, it will actually pay you after you photograph a certain number of receipts.
With these tips your smart phone will be paying for itself in no time! If you enjoyed this list, go ahead and head over to some of our other blogs meant to bolster your bank account!
Robbing Retailers: The 5 Best Deals on the Internet | Air Bank N Bank | Little Changes; Big Savings
From Amazon to Zillow, we've found some of the best places on the internet to find good deals and save some extra cash!
1. Amazon Featured Deals
You've almost definitely used Amazon to buy everything from clothes to textbooks to toys for your kids, but have you ever taken a look at the Today's Deals section? This page displays discounts anywhere from 10% all the way up to 95% off of certain items! Find clothing, gadgets, household items, and more discounted at ludicrous rates.
Ever get those Instagram or Facebook advertisements for heavily discounted nice looking clothing and accessories? A majority of these websites are actually just a front end for Chinese online marketplaces and resell their goods for much higher prices, essentially a virtual middleman. Go straight to the source with websites like AliExpress, which sell a wide range of clothes, accessories, and gadgets for extremely low prices. Be cautious however, you really do get what you pay for, so some items you get may not be of extremely high quality. In addition, items may take quite a bit longer to arrive. Make sure what you're buying has good reviews and is from a reputable dealer before wasting your money.
3. eBay Daily Deals
Just like with Amazon, eBay offers huge discounts on select products every day, with some savings reaching above 90% of their original price. As with all marketplace sites, make sure that all the dealers you order from are reputable and have good reviews before you order anything from them. This being said eBay is much more reliable today than in years past and you can find some very good deals on just about everything you can think of.
4. Etsy Sales Events
Every so often the popular craft-based online marketplace will run special deals on decor, clothing, jewelry and many other products they advertise. You can expect to find discounts anywhere from 10-60% off during these sales events, so go find a nice gift for yourself or your loved ones!
For just about every website on the internet that you can buy things from, there is a promo code or coupon that can be applied to get discounts. Sites like RetailMeNot allow you to find these codes easily, and get savings that you would not have known about otherwise. Always see if you can find a coupon on google for whatever you are shopping for.
We put together a list of 6 easy things you can do to quickly cut down on your spending and bolster that savings account.
1. Take Care of Your Wheels
A recent study showed that most people's car tires are 5 - 10 PSI under their recommended pressure. What most people don't realize is that your car tires are rated for those pressures to maximize gas mileage, so leaving your tires not fully inflated is actually increasing the number of times that you have to stop and fuel up.
2. Cut Out Cable
An antiquated and overrated practice is the obsession of renewing basic cable packages year after year. The most ridiculous part of this is that most people only watch a few of the channels that they are paying so much money for annually. Most streaming services are relatively inexpensive, and jam packed with enough content to entirely substitute traditional cable services. The basic Netflix and Hulu streaming packages are both $7.99 per month, while the most basic cable packages begin at just over $20. Not only will you be saving money each month, you will also be watching far less commercials. A huge advantage that cable television had in this battle was the access to live sporting events, but recently Hulu has begun to stream live events like the Stanley Cup and NBA finals, so now there really is no good reason to overpay the cable company!
3. Keep Track of that Change
Picture this, you're sitting in that fast food drive through about to hand over a crisp new fiver for some nuggets, just to throw the 76 cents you get back in a cupholder and forget about it forever. We recommend to keep your change in an easily accessible place, like a coin purse, so that you'll have an extra dollar in your wallet after making small every day purchases like fast food.
4. Hunt Down Student Discounts
This one is just for the college kids looking to save what little spending money they have left. Undoubtedly you've all taken advantage of heavily discounted sports tickets to your school's teams, but did you know that numerous major league teams also offer generous student discounts? MLB teams like the Atlanta Braves, Boston Red Sox, New York Mets, and the New York Yankees, just to name a few, all offer generous discounts. NHL teams including the Blues, the Bruins, and the Penguins also offer discounts to college students. In addition, numerous companies want to hit this demographic, so they offer substantial deals such as: the Spotify/Hulu bundle for just $4.99 a month, Apple giving students 5% off most purchases, and 50% off Amazon Prime for students.
5. The Most Important Meal of the Day
This one may seem a little random, but think about it; why is it that your most important meal of the day also happens to generally be your cheapest meal of the day? If you start the day out with a hearty breakfast you'll have enough energy to get through the day and you are less likely to blow your paycheck on expensive lunches and dinners.
6. Make Money from your Phone
Never know what to do with the spare moments throughout your day? Money making apps are a great way to productively spend time that you would otherwise be wasting. The majority of people nowadays are on their phones 24/7, so why not make a little extra cash while you do it? There are a plethora of apps out there dedicated to helping you make money, but my personal favorite has to be Zap surveys. Available on iOS and Android, Zap Surveys is by far the best bang for your buck when it comes to survey apps. With tons of great features and high paying surveys to take, Zap Surveys is guaranteed to put a little extra cash in your pocket.
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For many most of their financial problems stem from what they do with their money rather than how they acquire it. In fact, statistics show that 1/3 Americans have saved $0 for retirement *1.
Why start saving?
While saving isn’t always the “sexiest” thing to do with your money, it is important to save now to ‘save’ yourself from problems down the road. All experts agree that regularly setting money aside promotes a stable future while providing a safety net in case of emergencies.
How much should I be saving?
Most financial advisers recommend at least 20% of your income should go towards saving. It is important to pay yourself first, meaning save before you spend. People who wait to save what they don’t spend ultimately don’t save any money. You should start by creating a monthly budget and track your spending and saving so you can plan better!
What should I do with my savings?
Hint: don’t store it under your mattress. The younger you are, the riskier investments you want to make. These investments are going to augment over time. If you’re looing for safety, the safest place to save money is in a savings account at any bank. Even though these accounts pay very low interest rates, it is important to keep some money in a savings account as it the safest way to save money and is relatively liquid.
What about investing my savings?
Although it is not technically considered saving, investing money periodically can help you save money while earning a passive income and prepare for the future. Investing is riskier than saving, but when investing you have the chance to receive much greater returns than a savings account. It is important to do your homework before investing.
Want to know good ways to invest your money? Contact us here!
*1 A Time Magazine