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Let’s take a moment and envision your near future:

The year 2020 is coming to an end.

You look at your investing account on Personal Capital and smirk at yourself, thinking, “I can’t believe it. I’ve actually done it!”.

You think back months ago at how little you knew about money, let alone investing!

You’ve come so far this year, and you’re exciting for all you can achieve next year!

And it all began with a simple New Year’s resolution…


The Easiest Resolution You Could Have

Did you quit this year’s resolution too early, too soon?

If you try to search for the top New Year’s Resolutions, it’s likely you’ve attempted a few of them.

Whether it was to spend less, save more, or pay off debt, it just did not work out.

Why?

Our society is focused on getting everything we want right now!

New flash: You won’t achieve financial freedom right away.

I know, it’s a sad fact, but imagine finally rebuilding your net worth, restarting your dreams of financial independence, and creating passive income to live the life you’ve always dreamt of!

It’s more possible than you’d think!

But it all starts with having the best financial goal-setting toolkit.

(Psst: Don’t forget to download your FREE goal-building workbook AND habit tracker, below!)

Your Best New Year’s Resolution

If you could achieve any financial goal, what would it be?

For many, this could be…

  • Earn enough passive income to pay for daily living expenses
  • Save up to pay for your child’s college
  • Finally pay off all your student loan debt

Actually achieving one of a top New Year’s Resolution takes dedication, habit forming, and continuous effort.

But, good news, I created a workbook AND habit tracker to help you through this process!

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Failed New Year's Resolutions

3 Steps to Earning Extra Cash to Achieve Your Goals!


1. Track Your Spending!

Do you frequently overspend? Have you ever tracked your spending?

The majority of people don’t track because they feel guilty about their spending habits!

Don’t feel bad!

I use a free money-tracker platform called Personal Capital.

I input my assets, debt, link my bank accounts, and investing accounts like Robinhood. Everything is secure and I can access everything both on my phone and laptop!

To learn more, check out my in-depth review: A Full Review of Personal Capital


2. Find a Way to Earn More Money!

In 2019, one of the top new year’s resolutions was to start a blogging business, and it is sure to be another huge goal for many in this coming year!

But, blogging is not the best option for everyone.

For you, this could be adding a side job in your evenings (like selling on Etsy or services on Fiverr), earning on a social media platform (like YouTube), or simply creating a small business to earn extra cash (like gutter cleaning, leaf raking, or lawn mowing).

My favorite ways to make extra spending cash QUICK is to use survey sites. My favorite two are below!

This is one of the best and popular survey sites out there! It’s easy to fill out surveys while waiting for dinner to cook or right before I go to bed!

I’ve been using SurveyJunkie for a long time now, and have earned tons of free gift cards! I use both of these apps daily, and I don’t necessarily recommend one over the other – they are free to use and free to earn from!

Here are a few resources to start brainstorming:


3. Start Investing Right Away!

One of the top new year’s resolutions is to start investing!

Earning money by investing does not give you immediate cash, but it is an extremely wise way to earn money over time, and let it compound month after month!

There are two methods I encourage all my new readers to try out, considering they are both FREE and super easy to use!

Robinhood is a modern platform that allows you to buy and sell stocks! This can be scary for newbies, considering stocks *seem* complicated to understand.

But, no worries! The reason I love Robinhood is because, if you use my link here, you get a FREE STOCK to practice, learn, and watch grow! No joke!

(By accepting the free stock, a member of the ThirtyEight Investing family will also receive a stock – a win win!)

Acorns is an awesome app to download that helps you invest without putting in any effort! 

When securely linked to your bank account, Acorns rounds up the “cents” portion of your purchases and helps you learn to invest with that extra cash!

PLUS: When you follow this link, you get $10 for free to start!!

If you are naturally lazy (girl, I feel ya), then Acorns is a perfect way to start earning by investing, without needing to give much thought!

Learn more here:

How A Beginner Can Invest Without Spending Any Money

How to Achieve Your Financial Goals

Free stuff is pretty cool, right?

As a thank you for all your support over the past year, I created a FREE workbook and habit tracker for you to download and start using to finally achieve your New Year’s goal this year!

Included in this workbook:

  • Monthly habit tracker
  • Morning and Evening routine worksheets
  • Goal-setting prompts
  • AND MORE!!

Join thousands of our readers in creating and FINALLY achieving their financial resolutions!                                                                                             

Summary

Get started on living your best life right now!

Start tracking your money, finding new ways to earn extra cash, and pay off those debts, girl!!

Be sure to download your free guide to making and sticking to this year’s New Year’s resolution!

Let me know about your financial resolution for this coming year, and comment about it below!

Let’s keep each other accountable and on track to success!

Scarlett @ ThirtyEight Investing 

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