Students Need Good Credit And This Is How You Build It

Students Need Good Credit And This Is How You Build It

With the school year starting up soon, everyone is saying their goodbyes to summer and starting their paths to adulthood. Knowing how students build good credit is important to transitioning into adulthood. The simplest way that I know to start building credit is to get a use a credit card responsibly. Here are a few ways you can establish and build your credit score. (or even rebuild your credit.

What To Look For When Building Credit

There are a few factors to keep in mind as you begin to build credit. Six factors actually. These six factors make up your scoring of your credit rating. I’ve also taking the time to organization in order of their level of impact for you. What more can I say but you’re welcome!

High Impact

  • Credit card utilizationHow much of the credit you use that is available to you displays your credit card utilization. Try to keep this amount under 30% usage. For instance, if you have a credit card with a $500 limit, don’t use more than $150 at a given time.
  • Payment historyPaying your bills on time is extremely important. A late payment on your loans or credit cards can make a huge dent in your credit score and the later the payment, the worse your score is going to result in the outcome.
  • Derogatory marksThings such as bankruptcy and collections are never a good luck on your credit score. Avoid them at all cost.

 

Medium Impact

  • Age of credit historyShowing long you have been building and showing responsibility with credit, try to keep your credit cards active to show that you have been handling credit for a long time. The age of credit is determined by the average age of all your credit. So holding credit for longer periods of time before applying for new credit is recommended.

 

Low Impact

  • Total accountsLenders usually like to see that you’ve used a variety of credit accounts responsibly. This doesn’t mean apply for every card at once. Slow and steady or you will do more harm than good. 
  • Hard inquiries –  These are placed on your report for things such as applying for credit, loans, and even an apartment. Usually when a company has to run your credit for eligibility, you receive a hard inquire on your report. Try to limit these to as little as possible.

 





Ask A Parent To Be An Authorized User

This is actually how I started. My mom is very responsible financially and started me building my credit score by adding me as an authorized user on one of her credit cards. Though I never got the chance to see let alone use the card, her good credit usage and years of account age became my good credit and instantly started me on the right foot. When you become an authorized user on a credit card, its credit history becomes your credit history. Remember that this also could be a risk if your parent or guardian isn’t the most financially responsible person.

Building my credit score this way got me to a score of 740 and I’ve been slowly working on building it along with so nice history of credit types for the last 3 years. This is definitely one of the easiest ways to go.

Get A Co-Signer

Maybe one of the least available options to go. Asking someone to co-sign your credit application may be an sensitive topic because if you make mistakes learning than you won’t be the only one to be punished for it. Most are hesitant to choose this option because it asks a lot of trust from the person asking the co-signer.

I have never had a co-signer but I did want to mention that it is an option for those who may feel it’s right for them. Applying for a card with a co-signer means that the card will be in your name but the co-signer will be responsible if you fail to pay the bill. This could affect their credit score and history as well.

 

Grab A Secured Credit Card

Credit cards that are designed to help people start building credit, secured credit card are cards that require a cash deposit. Not my most favorable choose because of the deposit required by most cards, but this card is a less risky choose. Secured cards are great for people who have been having a hard time getting approved for an unsecured card or looking to rebuild credit history. Because of this, secured credit cards offer the highest approval rates.

 

Practice Good Card Usage Habits

Now, you may hear credit cards are dangerous and should be avoided at all costs! Well, yes and no. Yes, credit cards can be dangerous when used irresponsibly. No, credit cards should not be avoided because they are a great source of credit when used responsibly.

Learning to use a credit card and trusting yourself to have credit is the purpose. Don’t be afraid to make mistakes but here are a few rules to try and limit the mistakes made with your new credit card.

  • Always keep your amount of used credit 30% of your credit limit.
  • Pay on time. Everytime.
  • Use your card for small purchases that you can easily repay ASAP. This will help you build credit safely.
  • Increase your credit score only when you believe it’s time. Don’t apply for a higher limit if you don’t believe you can trust yourself with the boost in credit.


Check Your Score Often

Knowledge is power. So knowing your credit score at all times is important to know what direction it is moving towards as well as what you are doing wrong and right. Remember the six factors from earlier? You should keep these factors under surveillance at all times to ensure that you are growing your credit correctly.

The most important thing to do is manage your credit responsibly and the rest will follow. Building credit doesn’t have to be difficult. Having the knowledge to know what’s important and what to watch out for when it comes to your credit is half the battle. So good luck! Please don’t forget to share this article with your friends (everyone know that one person who needs a little help to be more responsible financially lol). Also comment any tips or experience you may have below to help grow the community’s knowledge. Til next time, have a great school year.

 

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Posted by Jonathan Tyler in Credit, 14 comments
Blog Report August 2017 – Beginning of Think Cents

Blog Report August 2017 – Beginning of Think Cents

This is going to be a great month! I can already feel it. This is the first month that I am going to be starting a series of my goals for this blog. This series will have everything to do with the development of Think Cents and the community. Get ready for blog report August 2017!

If you were hoping for an income report or something similar then don’t worry I’ll be starting that up soon as well but I wanted to start with blog goals personally to keep myself on track with the growth of Think Cents.

To start, this is the first month of the series and I’m hyped. I just recently restarted Think Cents a little under two weeks ago and already starting to see quite a bit of growth. So, let’s get started with the goal-setting already.





 

Have 15 Posts

So I plan to make 10 new posts this month to total 15. (Yes. This one included.) Writing posts isn’t easy and takes a lot of time to develop an idea and carry it out the correct way. Or at least in my opinion.

 

1,000 Page views

So I’m reaching far for 1,000 page views this month. I believe in my content. It have a nice informative quality to it. (At least I hope you think so.) The true challenge is going to be getting the traffic and having enough content to keep visitors around.

 

Social Media Goals

  • 50 Facebook Followers
  • 50 Twitter Followers
  • 25 Pinterest Followers

These three I set based on what I felt was the level of difficulty of getting followers on each platform. Pinterest is the newest to work with for me so far so I only set a goal of 25. I want to aim high but I don’t want to get cocky by it on set unattainable goals for myself.

Well, these are my goals for August 2017. I set them based on what I really believe is achievable based on my first few weeks of running my blog and what I feel is needed to grow. Let me know what you guys think and if I should add anything to next month’s goals to help growth a stronger blog and community.

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Posted by Jonathan Tyler in Blog Report, 0 comments
Acorns Invest App Review – Invest Your Change

Acorns Invest App Review – Invest Your Change

Acorns_logo

Want to learn to invest?

What if I told you there was a way you could without learning all of the complicated stocks? This Acorns Invest app review is all you need to get started investing money for your future.

Let’s talk about one of my favorite investing apps and share with you the pros and cons of the app as well as how to get started. Welcome the Acorns Invest app review. I would like to thank my girlfriend for this post. After back and forth for an entire day explaining it to her, I figured I need to write an Acorns Invest app review to save time for anyone else with questions.

Acorns is one of the most simple trading apps on the market. The way that Acorns works is every time you make a purchase, Acorns will round that purchase amount up to the nearest dollar and invest the change. For instance, if you spend $5.75 at Starbucks, Acorn will round up the total to $6.00 and invest .25 cents for you into your account, a highly diversified portfolio of ETFs . This is a passive and seamless process that will put your savings ahead and place you in the position to make your money work for you.

ETFs = Exchange-Traded Funds





You are also able to create recurring deposits into your account from your bank account or card. This feature is nice when you have extra that you would like to you to experiment with Acorns or just to save. As of yet, Acorns has no debit cards and the money takes a few business days to transfer back to your bank so it’s safe to say you won’t be spending it.

Another feature that we felt was perfect for our Acorns Invest app review was recently introduced as well. Acorns have also recently released a new feature which allows companies to invest in your account for shopping with them, called “Found Money.” With this, you can purchase from most of your favorite brands and they will invest a percentage of your purchase back into your Acorns account.

Acorns Invest App Review

Still deciding?

Our Acorns Invest app review also includes a dedicated portion below if you would like to see all of our found pros and cons in one snapshot.

Pros:

The app is very easy to use and user friendly with simplified layouts and large display of all the important information. The app also leads you in with a simple profile completion process helping you get started investing.

With the great round-up feature, saving becomes passive and stress free. This features collects all of the spare change until it reaches $5 total before it deposits it into your Acorns account. This feature is great because its automatic and you are literally saving without thinking. Acorns also recently released a multiplier feature for those who would like that spare change to be multiplied to increase on your savings.

Acorn charge $1 a month as long as your account stays under $5,000. That’s a great deal! That means you will pay $12 annually in trade commission fees. I don’t about you but my bank savings account fees hit me for about 5 times as much due to transfer fees. I’d rather use Acorns for lower fees, and tougher to spend my money.

  • Round-Up Change
  • Low Monthly Rate of $1 for Accounts Under $5,000
  • Simplified System
  • Friendly User Interface

 

Cons:

As much as I love this app, it isn’t for everyone. Acorns is not for people looking to invest large amounts or get into purchasing individual stocks. Acorns lack of portfolio customization prevents you from truly making your investment to your own desire because it only gives you the option to invest in an increment of 5 levels between conservative and aggressive.

It also may be undesirable for people investing more than $5,000 because of the .25% fee. That means if I was to keep my account around $5,000 I would be paying about $150 annually in commission fees.

  • Lack of Portfolio Customization
  • Higher Commissions of .25% for accounts over $5,000.

Final Thoughts

This app has a few setbacks but is definitely a must have app for people looking to invest or save. This app makes it so much easier for new and younger investors to get started. They also will learn how to make their money work for them in the market and learning without high end fees and full stock prices.

Again, I highly recommend this app to everyone looking to save and invest. This app is perfect for teens, students, or anyone who want to invest in small amounts at a time. I’ve asked Acorns for a little help getting you guys started with $5 invested in your account for you to try it for yourself. Go ahead and try Acorns now from our exclusive link to get $5 into your account for free. I hope you enjoyed our Acorns Invest app review. We would love to hear your experience with investing with automated apps.

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Posted by Jonathan Tyler in Think Cents Reviews, 2 comments
Quick And Easy Ways To Save Money Without Stressing Over It

Quick And Easy Ways To Save Money Without Stressing Over It

Let’s face it. We as humans, know we should save but don’t. We have always been told too, but not how or why. If an emergency was to happen right at this moment, would you be prepared for it? Would you be able to pay for your rent and utilities as well? Below I’ve listed a few easy ways to save money and start to build an emergency fund of $1,000.

 

50/20/30 Rule

 

The first and most known (maybe) way of saving is to automatically attach your savings account to your direct deposit. Remember the 50/20/30 rule?

50% of your salary should go to the essentials such as bills and other payments you must make each month. Work towards keeping your essentials below this 50% barrier. 20% should go directly into your savings. The next 20% of your check should be direct deposited into your savings and forgotten about. This is the important part. Forgotten about. Lastly, the remaining 30% is yours for any other personal reason.

Following this system will help you make sure to keep your bills down, build your savings up, and leave money for you to enjoy.


 

Piggy Bank Nostalgia

Perfect for all of that loose change you have lying around. This is easily an extra $20 – $40 bucks or so a month depending on how much me and my girlfriend use or find cash lying around. We also have a few friends who think they are too good for the pennies they have lying around but we all know that every penny counts.

Piggy banks are perfect because for most its where the idea of savings began. As a kid, my mom would buy me and my brother these crazy shaped piggy banks that me and my brother would always race to fill to the top and I am still the same way when it comes to toy banks. Its a visual goal of mine. The bigger the bank, the more enthused I am to fill it.

If you find yourself with a lot of extra cash or change, this is the perfect place to pack everything away. These toy banks are more than fun for kids, they are powerful tools for saving.





 

Acorns

 

Ever thought about investing? I hope so, otherwise you may be on the wrong blog. It’s a great way to save and put money towards your future. Acorns is a mobile app that allows you to link your bank accounts and credit card to easily save and invest the change from your everyday spending. Spent $1.50 on Redbox today? Acorns will round that up to $2 and invest that 50 cents.

Acorns is a great way to always make sure you are saving, no matter how much you are spending. You can also deposit or set up  recurring deposits from your bank account to invest larger amounts. Your money is automatically invested into heavily supervised and researched portfolios to help you save and increase your potential savings.

I also a post dedicated to my Acorns Invest Review giving you all the pros and cons.

Join Acorns today and get $5 free to get started. 

 

Stash

 

An app that will help to teach you investment such as Acorn, but instead of automatically invest money for you, it recommends portfolio in which you should invest in yourself. Unlike Acorns, money isn’t automatically deposited based on your spending.

So if you don’t like the idea of money automatically being taken every time you make a purchase or you want to actually learn to invest, than Stash may be better for you. Stash gives you choices, tools, and tips you need to build a portfolio that reflects who you are. They have portfolios but for the techies, activists, trendsetters and so much more.

Stash really is the answer to teaching the next generation investing.

You can also join Stash today and get $5 free to get started.

 

Save A Small Amount Per Week

 

Some people aren’t very comfortable placing large sums of money into their bank account at once, think toy banks are for kids, or the security of apps. For that reason we have the envelope system available as well. The idea is to place a small amount of money each week and place it into an envelope labeled emergency funds.

Placing a few dollars to the side each week will lead to a successful saving experience. By placing only $20 dollars aside each week, in a year you would have save $1,040. That’s just a bit over your goal for an emergency fund.

Using these strategies, your savings will continue to grow quickly and you will build that $1,000 savings fund in no time. Don’t stop there. Continue to grow your accounts and investments to build wealth and your short term goals.

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Posted by Jonathan Tyler in Save Money, 0 comments
Make Money As An Instagram Influencer

Make Money As An Instagram Influencer

So this is a income stream I haven’t tapped into yet, but I realized it is such a huge opportunity for people who enjoy Instagram. I did some digging and talked to a few Instagram influencers. This is a real treat for all of you lovers of Instagram. This week’s posts is all about teaching you how to make money as an Instagram influencer.

Like most bloggers and YouTubers, popular instagram influencers are social media magnets who have two things those big wealthy companies out there don’t: reach and influence. The people who realize this are the ones who make money as an Instagram influencer. It is exactly the reach and influence of others that will propel companies to pay you hundreds or thousands to talk about and promote their product.

How can you get started in building your own empire so that you can start making money as an Instagram influencer?

Make Money as an Instagram Influencer

Pick Your Niche

Before you try to make money as an Instagram influencer. What is an influencer? An influencer is someone who has built themselves up to a particular audience and platform creating a name for themselves. They are seen as the trend setters and trusted experts in their niche.

Remember that part, “In their niche.”

Like most income streams, finding out where you fit in the equation is important. This is important. Knowing and exploiting your niche keeps you relevant with your followers. Someone who followed you for your fitness pictures may not like to see your travel posts.

Knowing what audience you target is key.

For instance, if you are a fitness guru, marketing and posting about fitness apparel or products will be so much easier and you can charge so much more than someone who is popular but broad in their posts. Imagine if you are a gaming company. Would you rather have PewDiePie sponsor a post for your game on his channel or Warren Buffet? Buffet is much more powerful and wealthy, but he is only known to people who care about investing.

Be direct with who you target and know that the worth of your audience is sought after by someone.

 


 

Grow Your Following

Expanding your audience is difficult for some, easier for others. Most Instagram influencers aren’t connected without at least 10k followers.

Yeah.

Now you see why I stuck to my blog.

But for those with the dedication and patience to continue to grow their following and create content, the payout is nice. The larger your audience, the more you can charge.

There are a few ways to go about growing your following.

(miniseries time)

  1. Comment strategically by picking 20 other influencers in your niche and leaving genuine comments on their latest posts.

  2. Take advantage of Instagram stories. By doing this, you have a chance to recommended by Instagram to people in your niche, based on who they follow.

  3. Engage with video. As an influencer, you are a internet marketer. Over 52% of marketers ranked video as having the highest ROI (return on investment)

 

Charge For Sponsored Posts

 

Like I said, most influencers need about 10k to get really nice sponsor payments. (Some even get started as soon as 1k followers)

Before thinking price, think of how much you are worth to the brand you are sponsoring. They are not only paying for you to create content for them, they are also paying for your platform and audience that you built up in their product’s niche.

$75 a post is nice. That’s usually the base price for newbies to the influencer world.

Imagine getting paid for 4 posts a week at $75 a post. That’s $300 a week or $1,200 a month for a post promoting a product (That you probably already use.) and creating content which in turn grows your following even more. Which means you can charge even more in turn.

To give you an idea of the growth of your account, a was conducted on the matter. In a survey of 5,000 influencers over 42% said they charged anywhere from $200 – $400 per post.

WOW. Maybe I am in the wrong business.

Top Instagram influencers even said to make over $1,000 per post. This shows how important it is to brands to connect with your audience. When someone is willing to pay you a $1,000 to make a 5 minute post on Instagram, your platform is much more important than you realize.





 

Be An Affiliate

How could we forget the affiliates. Don’t limit your earnings to just sponsored posts. You have your own platform now. An entire audience who love you and the niche you are in. Take advantage.

This is your chance to go out and find products or service you believe in and earn a commission from it.

For instance, maybe you caught own to the rideshare craze at the beginning and labeled yourself as a ridesharing guru genius. Why wait for a new service to as you to sponsor a post? Use your referral program with Lyft or Uber and create income by getting other people signed up and teaching them how to make more money with their car

If you want to expand on being an affiliate I do suggest starting a blog. This will give you more opportunity to reach outside of just instagram. Also check out Michelle’s amazing course, Making Sense of Affiliate Marketing, on how she makes over $50,000+ a month with affiliate marketing. Her course is made mostly for bloggers but can also be use to help you make money as an Instagram influencer.

 

Create Your Own Product or Service

Getting back to our fitness niche, if you see an opportunity to create value for your audience, you will earn even more that you would with sponsor and affiliate posts. There is nothing as amazing as being your own boss and making money for yourself instead of for other people.

If you are in the fitness niche, you could sell your own brand of sports bras, training gear, nutrition guide, or even water bottles. For example, some people make money as an Instagram influencer by connecting with their audience directly and selling their fitness guides and routines via dm or in their bio. You have your own platform and your own product make money as an instagram influencer using it. Nothing is holding back your bank account back from expanding.

Have you started your on journey towards making money as an Instagram influencer and have advice of your own to share or just want to join the conversation? Comment below or join our Facebook group and ignite a conversation.

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Posted by Jonathan Tyler in Make Money, 15 comments
How To Plan And Budget A Day Trip

How To Plan And Budget A Day Trip

So recently, my girlfriend and I planned a day trip to visit a friend in a state over. (It was about a 3-hour drive.) After moving in together, I was designated finance keeper. The one to make sure we were making enough.Who was to ensure we would budget each date to have fun while not going broke. The one who would help us climb up the ranks of wealth and secure a future for us and our (future) kids. So I was also the one designated to figure out how to plan and budget a day trip.

 

Day Trip Downtown Louisville

Here is a picture of my girlfriend (far right) and her two friends on our venture downtown Louisville.

Yet, I’ve never planned a trip. Luckily for me, this was only a day trip. There were no planes or trains involved that would cause hundreds or take up most of our day. No need to plan for a hotel or anything else big because it was only a day trip.

You may be asking, why make such a big deal over a day trip?

Because it’s still fun and can break your wallet if you’re not careful. The whole purpose is to learn to be conscious of your set budget goal and to train yourself to handle planning larger trips. So from my experience, here are a few things to keep in mind when you start planning.

 

Travel and Gas

The most important part of a day trip is the place you’re traveling and gas money. Remember to travel short, you only have a day to get all the fun in. A nice trip is usually about an hour to three hours away from home. Usually, on a day trip you are driving to the location, may be driving around town a bit once there, and you plan on driving back on the same day. So yeah, that’s a lot of driving. If you could get there and back on about a full tank of gas, plan to budget for two. For instance, on our trip, it takes about $25 to fill my girlfriend’s car and only half a tank to get from Nashville to Louisville. So by planning to budget for twice as much, you make up for gas wasted on detours and driving around to destinations and site seeing.





 

Food

Personally, I have a bad habit of not enough during the day. So this budget would have been mighty slim if I was budgeting for just myself. My girlfriend, on the other hand, is diabetic and needs to eat regularly to keep her sugar in check. So I planned for breakfast, lunch, and dinner as well as packed snacks from home.(Secret weapon from taking day trips with ma!) For food I knew we were going to eat before leaving home, (benefits of a day trip) grab something quick for lunch and a sit down restaurant for dinner. For this, I stashed about $60. Yes, it’s possible if we are considerate of the budget.

 

Activities

 

Louisville KMAC Art Exhibit zoom

Our visit to KMAC (I’m a sucker for the art)

Always remember to plan your events much in advance. Doing this not only means you get availability but you also some events and activities are much cheaper when you plan way ahead of time. It could really save you a nice chunk of change. Change that you can toss into everyone’s favorite category: souvenirs and shopping. I usually focus on events such as museums, vintage areas, visiting town only shops, local arcades, local parks. Those things are usually free or really cheap so I’m able to fill up the day while still keeping costs down. Mix all of that with maybe a trip to the zoo or an amusement park and your day will be packed to the rim for such a low cost.

 

Souvenirs and Shopping (Optional)

I’m not usually one to need a souvenir or spend more money on them. But, I know there are some out there (like my dear Jasmin) that can’t say no to shiny objects. For this, I always give myself a flat number of $50 for a day trip. That’s enough wiggle room to get something nice for one or two people.

I spent a little over $100 on the trip for two people all together. Not to bad. Hopefully, we will have the chance to go on a bigger trip soon (2017 Let’s Go!) and I will be able to help you guys save and budget for a much larger trip.

Tell us about a recent day trip you took. Take plenty of pictures too! Maybe your adventures could even lead to you making money on Instagram.

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Posted by Jonathan Tyler in Budgeting Money, 0 comments
3 Ways To Make Money With Your Car This Week

3 Ways To Make Money With Your Car This Week

Many see driving as a pain point for their wallet. Let’s face it, between gas, maintenance, and mileage they wouldn’t necessarily be wrong. But if you have to drive anyway, why not make a bit of that money back? I’ve researched and tested a few solutions that will help you make money with your car on your time and I think you will be excited to hear what I found. Below I’ve listed 3 ways to make an extra $400 – $2,000 a month with your car. So if you find yourself with some extra time and gas in your tank, give one of these a try.

 

Lyft

Make Money With Your Car With Lyft

Lyft is my personal go to ridesharing company. It feels more personal and passengers have the ability to tip in the app and you keep the whole amount. If you are passionate about people, or just enjoy casual conversation and exploring the town than this would be perfect for you. Lyft matches drivers with people looking for a ride through their app. Oh, and all payment is done within the app so no worries about people running off without paying you. Pay for each ride is based on a per minute and mile basis. Also, did I mention that money is deposited into your account direct deposit each week or you can cash out instantly with Express Pay? Driving for Lyft gives a great taste for those looking to get a whiff of the entrepreneur lifestyle and an easy way to make money with your car. Drive more and earn more.





<--Google Ads->

They were also nice enough to give me a referral code to try them. You should definitely ride before you drive so that you get an idea of how it works. Use the code below for a discounted ride.

THINKCENTS

Postmates

Make Money With Your Car Postmates

Don’t like people? There are some of you out there that would just prefer to work with a few humans as possible and that’s fine. Don’t worry, for those people there is postmates. Postmates is a food delivery service that you can work on your own time. I personally really enjoyed Postmates because, even though I’m a people person, I really like singing loud in my car as I drive around talking to myself and being silly. (That stays between us though.) Most of your money from Postmates will be from tips. Some of my rides, people tipped me way more than Postmates paid me for the delivery. This is usually the result of Postmates only calculating the time between picking up the food to the actual deliver instead of the time traveling to the restaurant. If you live in a nice high-end area, you should expect higher tips. If not, be aware that you may only be able to do about 1.5 deliveries an hour (Because of the time driving to restaurants, waiting for order, and driving to deliver) which would be about about $12 – $16/hr without tips.

Want $100 in delivery credit to try Postmates first? Use the promo: PLZXDH

Wrapify

Make Money With Your Car Wrapify

Wrapify is an app that pays you to drive with advertisements on your car. Not just advertisements for shady companies but I’m talking about top tier brands such as Google, Lyft, Ebay, Petco, and Microsoft. So yeah, they’re big. Wrapify advertisements are based on your area’s market. The app tracks the amount of time you drive around your vehicle and pays accordingly. This could be an extra $100 – $400 a month of side income depending on your wrap coverage level. Wrapify operates under three levels, panel, partial, and full coverage with changes to earn more depending on how much you cover. Earn hundreds per month, no upfront costs, and its fast, simple and easy. Why not give it a shot?

So do you think about these solutions to making money with your car? Have you tried any and would like to share your experience? Leave a comment below and let your fellow centrepreneurs know what you think.

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Posted by Jonathan Tyler in Make Money, 1 comment