Are you nearing retirement, but don’t want to stop working altogether? Have you considered working from home? In some cases, you may be able to find work doing the job you did during your career right from your own home. Tired of that job and want to find something else? There are plenty of options.

Jeff Rose over at Good Financial Cents had a post on Wednesday about this concept, “65 Home Business Ideas You Can Do From Your Kitchen Table.” There are many great ideas here! Maybe some you haven’t considered before.

You may not make as much doing one of these jobs as you did working your previous job (then again, you may make as much or more). However, that’s likely not your goal anyway. Working during “retirement” is a great way to offset expenses and avoid having to pull too aggressively down on your portfolio. And a job from home is also is a great way to stay productive while still giving you the flexibility to enjoy your free time.

Don’t think you can do it? While many of the jobs listed require a skill you may not have or a time commitment you aren’t willing to make, there are many more that are much more flexible (keep scrolling down). Love dogs? Become a dog walker or pet sitter. Love teaching? Become a tutor.

And this list is not just for retirees. These jobs could be for anyone looking to work from home.


  • Disclaimer: The information on this blog is not meant for specific financial advice. The ideas/opinions stated are not suited for everyone, and readers should use their own judgment in applying them in their financial lives.

Earlier this week over at Get Rich Slowly, there was a post by Donna Freedman called “Can’t Get a Job? Get a Microjob!” Donna talks about how to find work online, anything from a “microjob,” like making and posting a video on YouTube for someone for $5, to a long term position as a virtual assistant.


The post offer many recommendations on how to be successful with this type of work. Whether you are interested in making a few extra dollars in your free time, need something to supplement income due to loss of job or income, or want to find a way to make money working out of your home, it may be worth your time to check out this post and the sites it recommends.


And don’t think that your skills wouldn’t work for these type of jobs. While we haven’t actually used the sites ourselves, we did check out the types of jobs available. So, you don’t want to be a virtual assistant? Complete a couple of online surveys for $20 or help someone plan their honeymoon. There are so many possibilities, it’s likely you’ll find something to do!


  • Disclaimer: The information on this blog is not meant for specific financial advice. The ideas/opinions stated are not suited for everyone, and readers should use their own judgment in applying them in their financial lives.

Yesterday, over at Get Rich Slowly, there was a post by Donna Freedman entitled “Straying Off the Path or Changing Direction.” Essentially, Donna’s message is this: “Bad stuff happens, often to good people […] Pay attention to these lessons because there’s no guarantee that hard luck will stay gone.”


When something in your life goes wrong, or simply doesn’t go the way you thought it would (or should), don’t waste your time dwelling on “what ifs” and the past. That’s maybe not so easy, but you likely already know what went wrong. Maybe you did something to put yourself in a bad position, or maybe what happened was in no way your fault. Whatever the case, instead of thinking about what should have been, think about how you can fix the problem if needed and learn from your experiences.


Moving forward with your life when you are still dealing with your tough situation isn’t going to be easy. But it will be a far better future for you and your family if you do. Think about all the good things you still have going in your life (because even if you feel your situation is hopeless, there are always still good things). Dwell on the positives while trying to move forward instead of the negatives.



  • Disclaimer: The information on this blog is not meant for specific financial advice. The ideas/opinions stated are not suited for everyone, and readers should use their own judgment in applying them in their financial lives.

Yesterday, over at Get Rich Slowly, there was a guest post entitled “How I Got Rich Quickly, Then Failed…Miserably.” While the income increase in the post was a little extreme ($33,000/year to $120,000/year in less than 8 years), the points that the author, Belinda James, makes are valid for anyone who experiences an income increase.


It’s popular in finances to say that you don’t necessarily need to make more money to be financially successful, and that is completely true. Much of being financial successful is really about how much you spend (and save). However, if you have the opportunity to make more money, it can really help you, but only if you’re smart about what you do with that extra money.


We’d like to touch on a few of the points that Belinda discusses:


“Find a good accountant” – We’ve ­discussed here before about whether or not to do your own taxes. We definitely believe the more money you make, the more important it is to hire an expert to do your taxes. Tax laws and codes are so extensive that there is no way someone who doesn’t work with them every day can understand it all. If you have a high income and are doing your taxes yourself (and don’t work as an accountant), it’s likely you are missing out on some obscure rule that could be saving you money.


“Don’t tie up a large chunk of your money in a car” – Not to say you shouldn’t spend some money on a good quality car, but you don’t need to spend an over abundance of money, even if you’re buying new. If you have the cash to buy a car outright, then it would probably make sense to do so. But in Belinda’s example, spending $43,000 outright on a car is probably not the best use of your increased income.


“Nothing lasts forever” – This seems to be where most people get into trouble when their incomes increase. They’re making more money, so they add new expenses. While there is not necessarily anything wrong with that, you have to be very careful. Wait until you’ve received a few paychecks and get a feel for how much extra money you really will have in hand. And when you do decide to add an extra expense, do so sparingly, especially if it’s to be an ongoing expense.


You may or may not be lucky enough to stay at your new income level (or higher) for the rest of your working career. You may or may not be lucky enough to always have steady income coming in. But if you add a bunch of extra expenses and do have to take a pay cut or be out of work for a time, what happens to that extra cost then? That bigger house or nicer car suddenly doesn’t seem so important.


But as Belinda says, not everything is about “getting rich.” Make sure to enjoy your income while you have it. Just try to decide first what the appropriate amount is to spend on “fun!”



  • Disclaimer: The information on this blog is not meant for specific financial advice. The ideas/opinions stated are not suited for everyone, and readers should use their own judgment in applying them in their financial lives.

Last week over at The Simple Dollar, Trent Hamm posted “Good Hours, Not More Hours.” The post discusses that everyone has peak productive hours during the day where the most “to do” items will get done. They key isn’t to spend more time on those tasks, it’s to use your productive hours as best you can to work on these items and don’t waste that time on the “busy” work (like filing, filling out paperwork, etc). You’ll be more productive this way, and during your off hours when you’re likely worn out and not at your best, spend the time on the menial tasks that everyone has but don’t always get around to.


We think this is a great post! You know what your peak productive hours are. Dawn’s are in the afternoon and Keith’s are in the morning. If you’re able to block out all the “busy” work during that time (which usually also means no phone calls or emails), you can accomplish so much more than if you let yourself get distracted. On the flip side, your off hours are often wasted when you try to focus on the big projects that require too much “work.” You’ll likely have only half your brain working on the task and you won’t get much done.


We realize that this is not always possible, usually when you have a deadline coming up and you feel you need to work nonstop to get your project done. However, if you use your most productive hours as effectively as you can leading up to a deadline while still giving yourself and your brain a break during your off hours, you may find that you’ve accomplished more leading up to your deadline than you thought you would.


From The Simple Dollar:


First, if you feel yourself “grinding” against a problem at work, you’re not being very productive with it and would probably be more productive doing something else. If you possibly can, put the problem down for a while, shut off that part of your brain, and do something productive that doesn’t require you to think too much. That way, you’ll get the “boring” stuff out of the way during the hours where your mind isn’t working at top speed.

Second, and this is why I’m mentioning it on The Simple Dollar, the more productive you are at work, the better your job stability, chances of promotion, and potential for recruitment are. This stabilizes and improves your personal income, making your financial life that much easier.

Last summer on The Simple Dollar, Trent Hamm wrote the post “I Can’t Find a Job in This Economy!” We just came across this post again last week, and we wanted to touch on some of the ideas mentioned and add a few of our own.

Being unemployed is disheartening in the best of times. If you are heading into 2011 without a job, the New Year may not look as bright as it should to you. But in a down economy where the national unemployment rate is high and millions of people out of work, the situation may seem hopeless, especially if you have been out of work for some time.

From The Simple Dollar, we think the following ideas are important to think about:

treat your unemployment like it’s a job and spend at least forty hours a week specifically looking for work.”

“No job is ‘beneath you.’”

You need to look for jobs outside of your local area and accept that you may need to move to find work.”

If you are unemployed, searching for a new job should be your temporary “career.” Spend all the time and energy on searching for a new job that you would working that new job (once you find it). It won’t be easy, and it certainly can be disheartening, but eventually it will pay off. And until it does, you’ll feel better about the time you spent unemployed because it won’t have been wasted.

When you have kids to care for, bills to pay, and a house to keep, feeling that no job is beneath you may be easier to swallow than if you’re young, single, and living with you’re parents. If your situation is desperate, or if you don’t want to see it get any worse, look for work any where. There are jobs available, and while it may not be ideal, it will be a job that pays. Though it shouldn’t stop you from looking for a better fit, but in the meantime, it can help float you and your family.

Moving to a different area is another idea that many find hard to swallow. But it should be kept as an option, even if it is a last resort. However, don’t limit your search. You may find a great opportunity elsewhere that would make a move a possibility, and you would have missed out on if you were only searching locally.

Hopefully your hard work to find a new job will pay off in 2011!