4 Things to Know Before Renting an Income-Restricted Apartment

Family sitting on couch in stylish income restricted apartmentThere’s no doubt about it: Like pretty much everything else in life, the cost to rent an apartment in the U.S. is going up.

Median monthly rent for U.S. apartments rose by 15 percent from 2000 to 2016, according to Harvard University’s Joint Center for Housing Studies. During that time, the median monthly rent went from $850 to $980.

To reduce the cost of an apartment, some renters turn to something called income-restricted housing. At complexes that offer income-restricted apartments, the monthly rental amount takes into account the renter’s income.

How does all of this work? Here are four things you should know before renting an income-restricted apartment.

1. Income-restricted apartments are designed to be affordable.

Income-restricted apartments are meant to help lower-income people afford a place to live. If you qualify for an income-restricted apartment, the savings can be significant.

To be approved for an income-restricted apartment, a household’s gross annual income must be at least 50 or 60 percent less than the median income of the area where you’re looking for an apartment. This percentage depends on the landlord and the type of unit you’re considering. The U.S. Department of Housing and Urban Development (HUD) sets the income guidelines each year.

Here’s an example of how income-restricted housing works.

As of April 2018, a single person making 60 percent of the median income in Phoenix would pay $777 for a one-bedroom apartment or $933 for a two-bedroom apartment in Phoenix, according to the Arizona Department of Housing.

By comparison, the average April 2018 rent for a one-bedroom apartment in Phoenix was around $860 and around $1,000 for a two-bedroom apartment.

The rent for an income-restricted apartment doesn’t go up or down based on your income.

So, if you pay $777 a month for a one-bedroom, income-restricted apartment that’s identical to the one-bedroom, income-restricted apartment next door, your monthly rent also is $777. It doesn’t matter that your neighbor’s take-home pay is slightly more than your pay, as long as both of you meet the income guidelines.

2. The landlord of an income-restricted property will check your background.

As apartment landlords usually do, the landlord of an income-restricted property will make sure you can afford the rent by verifying your employment and income. This also allows the landlord to confirm that your income matches what’s required for an income-restricted apartment.

In addition, the landlord normally will look at your credit record, rental history, and criminal background before approving your rental application.

By the way, don’t lie about income or anything else on your application. If the landlord discovers the lie before you sign a lease, your application could be rejected. Or if the lie is uncovered after you’ve signed a lease, you could be evicted.

3. Income-restricted apartments aren’t public housing.

Income-restricted apartments are owned and operated by private landlords.

But if you live in public housing, a government-run housing authority owns your building and is your landlord, according to the Massachusetts Law Reform Institute. In a few cases, a private company manages the property but the housing authority still owns it.

Typically, rent in public housing is based on a percentage of a renter’s annual income, so one renter might pay a lot less than a neighbor does for an identical apartment. This is known as income-based housing. Most residents of public housing pay 30 percent of their adjusted gross income, which is gross income minus tax deductions.

4. Income-restricted apartments often look like more expensive apartments.

In many cases, you can’t tell the difference between an income-restricted property and a traditional property, since they often appear a lot alike both inside and outside.

Here’s a description of an income-restricted apartment community in Texas:

“Beautifully landscaped grounds contain a swimming pool, picnic area, and a playground. We provide a fantastic clubroom with full kitchen, a fitness center, and an on-site laundry facility. Our apartments offer walk-in closets, large patios, fully equipped kitchens, and full-size washer/dryer connections.”

Sounds pretty great, right? Income restricted rental programs may be more common than you realize. Rental companies will often offer conventional and income restricted apartments side by side. You just have to know where to look and ask! Even if you’re not eligible for such apartments in your area, you can still find affordable apartments on ApartmentSearch. Search for apartments by price and once you sign your lease, get paid $200 in rewards.

Source: blog.apartmentsearch.com

How To Get Your Blog Featured In The Media, Magazines, News, and More

Are you looking to grow your blog and business?

No matter what type of business you run, being featured in the media can improve your market reach, page views, income, and more.

How To Get Your Blog Featured In The Media

Photo credit: Daisy Gamboa

Today, I’m excited to introduce you to Selena Soo.

Selena has landed publicity and been featured in places like Forbes, Business Insider, Entrepreneur, and Inc., Entrepreneur On Fire, Smart Passive Income, and more.

I have heard amazing things about Selena over the years, and we randomly connected one day when we realized that we were both in a small town in Puerto Rico at the same time for several months.

Media features are something that I’m always extremely happy to land, and I know that they do wonders for a blog. In fact, in 2021, I am hoping to land even more features. I have been featured on Oprah, Reader’s Digest, Forbes, CNBC, Business Insider, and so much more.

Due to that, I know how valuable media mentions are!

You can see many of my features here, and as you can see, I have put a lot of time into it over the years.

All the time I am asked how I have so many features in the media….

And, luckily today you can learn how to get your blog and business featured in the media more.

In this interview, you’ll learn:

  • How publicity has changed Selena’s life;
  • How publicity can help grow your blog;
  • The first step to getting featured in the media;
  • What an effective pitch consists of;
  • How to build authentic relationships without being annoying;

And more!

You can also get free access to her 2021 Publicity Calendar. This contains 179 story ideas, dates, and hooks to help you create endless media attention and buzz! If you want to get featured in magazines and popular websites, this is something that you will definitely want to sign up for.

Please enjoy the interview with Selena below.

1. Tell me your story. Who are you and what do you do?

I’m a publicity and marketing strategist who has worked with everyone from eight-figure business owners to entrepreneurs just getting started. I help them shine a spotlight on their expertise using the power of the media.

But my seven-figure company didn’t spring up overnight.

When I was in my mid 20s, I had a quarter life crisis while working for a nonprofit.

As I was figuring out what I wanted to do with my career, I stumbled upon a network of inspirational authors, coaches, and entrepreneurs.

I was grateful for how their wisdom and mentorship helped me through a difficult time in my life and felt inspired to help them reach more people.

I started my publicity agency to help them create the same impact they had on me, but on a much larger scale. I’ve since expanded my brand into other offerings, like my best-selling online program Impacting MillionsⓇ!

2. How has publicity changed your life and business?

It’s always been easy for me to help others get attention — but as a natural introvert, I shied away from the spotlight.

The challenge was that I knew that if I wanted to create my biggest impact, I needed to put myself out there and become visible.

After my first guest post, I doubled my email list with over 1,000 people signing up the first day my article was released.

Since then, I’ve landed top publicity in places like Forbes, Business Insider, Entrepreneur, and Inc., as well as top industry podcasts.

It’s helped me to grow my audience, increase my credibility, and ultimately, to build a multi 7-figure business!

3. How and why did you start connecting with influential people?

I started connecting with people that inspired me because I wanted to help them get their message out into the world.

I followed their work closely and began to see ways and opportunities to support them.

So I started to reach out, saying things like, “I know someone you should connect with.” Or, “This would be a great opportunity for you — can I put you in touch?”

Today, I’m able to count the most amazing people as my friends, mentors, and clients.

4. How can publicity help grow a blog and other businesses?

Publicity is the fastest way to gain credibility in your industry.

It’s one thing to tell everyone you’re the best at what you do, but it’s another to have media and influencers vouching for you—and publicity does just that.

Not only have our students been able to leverage publicity to establish themselves as authorities in their fields, but they’ve also been able to translate media wins into financial gains.

Impacting Millions students have used media appearances to sell their courses, find new clients and take their businesses to a whole new level.

Graduates have told us that they increased their rates (with some catapulting from 3-figure to 5-figure offers even during a pandemic), have consistently brought in $10,000 per month, have gotten paid book deals and have increased their revenue by six figures due to publicity.

5. Can you go over the steps it takes to get featured in the media?

One of the first steps to being featured in the media is to prepare yourself mentally for the opportunity.

So many of my successful clients and students dream of appearing on their favorite podcasts or popular blogs, but they’re terrified of putting themselves out there until they go through the course.

One of the first things we do in Impacting Millions is to help you get into the mindset of the media so that you can confidently email a podcast host or a TV producer without your hand shaking over the send button.

Additionally, it’s essential to position yourself as an expert and have a great story idea. All things we help you do in Impacting Millions!

Photo credit: Patience Manzare

6. What is an effective pitch? What does it consist of?

Email is the most effective way to reach out to the media.

A strong pitch has a subject line that will grab their attention, as well as an email body that establishes why you’re an expert worth taking notice of.

Include your story ideas in the email, as well as relevant samples of your work.

For example, if you’re looking to write a guest post, share writing samples. If you’re looking to be on TV, include video clips of you being interviewed.

7. How can a person make themselves stand out so that they can get those coveted media features?

One of the best ways to stand out is to offer the media a compelling story idea.

When submitting it, choose a headline that would grab the reader’s attention and get a lot of clicks.

When you outline the tips you’d share, include fresh perspectives that are surprising and counterintuitive.

You want to spotlight your brilliance by offering advice they haven’t heard before.

8. How can a blogger build authentic relationships with those in their network, without being annoying?

When you meet someone new, make it a priority to understand their needs and goals.

When you take a genuine interest in other people your interactions will be memorable in all the right ways.

How could you help them or support them?

  • It might be as small an action as leaving a thoughtful comment on their social media feed or letting them know that you shared their content with your audience.
  • It could be as big as suggesting a virtual coffee date to learn more about the projects they’re working on and how you can be of service with no strings attached.

When you’re in touch about things that are important to them, you’ll never be seen as an annoyance.

9. What advice would you give to someone who is an introvert, and afraid to put themselves out there?

Reconnect to your why.

It’s natural to have fears, but when you remember the work that you’re doing is for the greater good, it can take away some of that fear.

10. Can you tell me more about your program, Impacting MillionsⓇ?

Impacting Millions is for entrepreneurs, experts, coaches, and service providers who have a deep desire to reach more people with their message.

You’ll learn to create a strategic media plan to land dream publicity opportunities to catapult you from best-kept secret to highly sought-after leader.

As a result, you’ll attract clients with greater ease, while impacting more lives than you ever imagined!

11. What is your very best tip (or two) that you have for someone who wants to see success in the media?

It’s fairly similar to creating a successful blog.

Don’t just think about what you feel like writing or talking about. You need to focus on the stories that you know that the audience of that media outlet wants to hear. If you’re focused on making the podcast host or the website’s editor be the first to highlight a trend for their audience, get original advice on a topic, or bring lots of traffic to their site, you’ll become a darling of the media.

Additionally, make sure to promote your articles and interviews when they are published. Not only will it make the people at the media outlet happy, but it creates excitement within your audience—who may also share it with the people in their world. The more people are seeing and talking about your media appearances, the bigger impact those appearances will make!

12. You have a free gift for readers who want more publicity. Can you tell us more about that?


I have a 40+ page Publicity Calendar with hundreds of story ideas, key dates, and special hooks to get into the media. One of the secrets to landing media is to make your pitches timely and relevant—and this calendar helps you do just that. We have ideas and tips for all 12 months of the year.

You can instantly download your free copy here.

Are you trying to grow your blog or other type of business? Have you tried getting featured in the media? What other questions do you have for Selena?

Related Posts


Source: makingsenseofcents.com

6 First Time Home Buying Mistakes I Made When I Bought My First House

Are you thinking about buying a house? Do you want to avoid common home buying mistakes?

I bought my first house when I was only 20 years old. Even though that was a little over 11 years ago, I have looked back many times and wondered how I did it.first time home buying mistakes

first time home buying mistakes

I made so many first time home buyer mistakes!

Of course, I was young and had a lot to learn. But, I definitely could have done more research to avoid many of the home buying mistakes I made, like not comparing interest rates or understanding the total cost of buying a home.

I’m not alone in how I approached buying a house. There are many people who simply do not understand everything that goes into buying a house, and that’s something that can negatively impact your finances and cause stress. 

Over the years, I have received many emails about buying a house in your early 20s or when you’re young. I also get lots of questions from people who have been renting and are thinking about buying their first home.

I thought it would be interesting to look back on the home buying mistakes I made and explain how to avoid the same mistakes I made. Hopefully you can be a better prepared home buyer than I was!

The mistakes first time home buyers make can cost you money and may even lead to regret. Perhaps you’re wondering why you even bought your home!

One thing you may not know about me is that the first house I ever lived in was actually my own. Growing up, we always lived in small apartments and rented. I wanted to have a home of my own – moving so often as a child was tiring.

Buying a house and being a homeowner was a completely new thing for me.

I had never done yard work, had to deal with house maintenance, home repairs, or anything like that.

I was as new as could be when it comes to living in a house!

It was a buyer’s market when we started searching. It was back in 2009, so the housing market was coming down. This meant that a monthly mortgage payment wasn’t too much more than rent at an apartment.

I felt like I was ready to buy my first house, and I needed a place to live.

So, buying a house seemed like a logical decision.

I made many home buying mistakes, like I said. While I made it through everything, my mistakes could easily have led to major financial trouble.

Read on below to learn more about mistakes home buyers make and my first-time home buyer tips.

Related content on home buying mistakes:

Here were some of my home buying mistakes.


first-time home buyer mistakes

This was our first house.

I didn’t prepare.

I was only 20, so I didn’t really understand how things worked, even though I thought I did at the time.

I found an online mortgage lender, and back in 2009, that was kind of a new thing. The company ended up doing a bunch of odd things and made a bunch of paperwork mistakes. It almost seemed scammy because online mortgages were so new at the time.

While my realtor was great and a family friend, she recommended a mortgage loan officer to me, and I just used that person.

The loan officer was great and very friendly.

But, I didn’t compare interest rates at all, I didn’t try to raise my credit score before I started looking at homes, and more.

Instead, I should have been paying attention to my credit score and worked to increase it before I started looking at rates. Then, I should have applied with multiple mortgage lenders and found the best interest rate.

Basically, I didn’t prepare.

Had I spent time increasing my credit score and shopping around for better rates, I could have gotten a better interest rate and saved money on mortgage payments.

While a small percentage difference in interest may not sound like much, it makes a big difference in how much you pay each month and how much you pay over the course of your loan.

For example, here’s the difference in two 30-year mortgages on a $200,000 home (this is before annual taxes being added in to the monthly payment):

  • With an interest rate of 3.25% your monthly payment would be $870, and you would pay $313,349 over the course of your loan.
  • With an interest rate of 4% your monthly payment would be $955, and you would pay $343,739.

That’s a difference of $85 a month, and you will have paid $30,000 more once your mortgage is paid off.

Looking back, I would have done more research on the home buying process and the factors that impact interest rates.

One of the easiest things you can do to avoid this mistake is to start paying attention to your credit score. You can receive free credit reports and credit scores, and I recommend reading Everything You Need To Know About How To Build Credit to learn more.

I avoided adding up all of the costs because it was scary.

Okay, so I knew that having a house could/would be expensive, and luckily we were fine, but wow, are there a lot of costs!

I avoided adding them all up for a while because I knew they would be higher than I thought. Eventually I did, and I was right – adding everything all together was a doozy.

We didn’t start adding up these costs until we were farther along in the buying process, and this is one of the home buying mistakes many people make. 

There are lots of people who only think about their mortgage payment, but there are so many more costs associated with buying a home

Before we purchased a home, we should have gone through all of the typical costs of owning a house and compared it to our housing budget. Comparing your current budget to your new homeowner’s budget will tell you whether or not you can actually afford to buy a home.

Here are some of the homeownership costs you want to consider:

  • Gas/propane.  Many homes run on gas in order to have hot water, to use the stove, and so on.
  • Electricity. Generally, the bigger your home then the higher your electricity bill will be.
  • Sewer. On average, your sewer bill may cost around $30 a month from what I’ve seen.
  • Trash. This isn’t super expensive either, but it’s still a cost to include.
  • Water. Water bills can vary widely. I know many who live in areas where the average water bill is a few hundred each month.
  • Property taxes. Property taxes can vary widely from town to town. You may find yourself looking at two similar houses with similar price tags, but the property taxes may differ by thousands of dollars annually. That is a LOT of money. While it may seem small when compared to the actual home purchase price, remember that you have to pay property taxes annually and a difference of just $3,600 a year is $300 a month for life.
  • Homeowners insurance. Homeowners insurance can be cheap in some areas but crazy expensive in others. Don’t forget to look into the cost of earthquake, flood, and hurricane insurance as well as that can add up quickly depending on where you live – not thinking about these was one of the home buying mistakes I made.
  • Maintenance and repairs. Even if your home is brand new, you may have to pay for repairs, which is something that will come up eventually. No matter how old your home is, repair and maintenance costs will eventually come into play.
  • Homeowners association fees. This can also vary widely. You should always see if the house you are interested in is in an HOA because the fees can be high and there may also be rules you don’t like.
  • Home furnishings. Furnishing your home can be done cheaply, but I know some who buy huge homes but can’t afford to put anything in them, such as a table, a bed, and so on. Why own a $500,000 house if you don’t have any furniture?


I probably should have spent less on the actual house.

While the house we bought was less than the amount we were pre-approved for, I definitely think that we could have found a house for even less.

We bought at the top of our budget, and this is one home buying mistake that can really get you in trouble.

Thinking back on it, the amount that we were pre-approved for, as young 20 year olds, was pretty insane. I am very glad that we did not buy a house that was that expensive.

It’s not uncommon to be approved for much more than your budget realistically allows for. Just because the bank approves you for a $350,000 mortgage, for example, does not mean you can afford to buy a house at that price.

We bought at the top of our budget thinking that we would get better jobs eventually. While that worked out in our favor since we were each barely making above minimum wage, it was a decision that could have ended quite badly.


We were living paycheck to paycheck and didn’t have an emergency fund.

We were young and didn’t have high paying jobs when we bought our house. In fact, we were barely making more than minimum wage at our jobs.

While we never racked up credit card debt, I did accrue student loans and we were living paycheck to paycheck.

Had one major (or even minor) thing happened with our new house, the only option would have been taking on debt. This is not where you want to be if you have just taken out a big mortgage. 

The best way to avoid this first time home buyer mistake is to set some money aside for emergencies before you buy, and to buy a house that fits in your budget. You want to be able to continue saving while making your new monthly home payments.


Make sure your home insurance covers what you need.

While I never had to use my home insurance, there were a few things that it did not cover, and I should have at least thought about them beforehand.

One of the biggest coverage issues was flooding. Flooding is a common problem where we lived in Missouri, yet I didn’t realize until a few years after I had already lived in the house that flooding was not covered unless you signed up for an additional policy.

Now, we weren’t in a floodplain – your lender may require you to buy special flood insurance if you live in a floodplain – but basement flooding was still a fairly common issue where we lived. 

Another special insurance consideration are earthquakes. Many normal home insurance policies do not cover earthquakes.

You can avoid this home buying mistake by researching what is the best kind of insurance policy for where you live. Floods and earthquakes aren’t a problem everywhere, but in some places you may want to have that kind of coverage.


Have a larger down payment.

We were 20, and we didn’t have a lot of money saved up before we bought our house.

Therefore, we did not put down a 20% down payment. That might sound like a lot, but 20% is the recommended amount to put down if you want to avoid PMI (private mortgage insurance).

A lender charges PMI because putting less than 20% down makes the loan look like a riskier investment for them. PMI protects lenders from borrowers who default on their loans.

PMI is normally around 0.5% to 1% of the mortgage annually, and it’s added to your monthly payment. If you borrowed a $200,000 mortgage, you would likely pay between $1,000 to $2,000 a year until you paid down enough of your mortgage principal to remove PMI.

We put less than 5% down towards our house purchase, and this led to us having PMI.

I don’t remember exactly how much we paid each month for PMI, but looking back, I could have used that money to pay off my student loans faster, save more, and so on.

While having a larger down payment isn’t one of the home buying mistakes I could have easily changed back then, in general, just saving more money instead of frivolously spending it in the beginning would have been a good decision.

Related content: Can You Remove PMI From Your Mortgage?


So, what’s going on with the house now?

As many of you know, we sold our house over 5 years ago. We wanted to travel more, and selling our house made more sense than keeping it.

We actually sold it for quite a loss, as the market was further down than when we bought it.

I’m happy that we bought the house – it taught us a lot, gave us responsibility, and gave us a place to live! And, it taught us how to avoid home buying mistakes in the future.

One of the things I haven’t mentioned is what we paid each for our mortgage. Our monthly payments were just under $1,000. 

Where we lived in the midwest is known for being a low cost of living area. I can’t imagine how we would have bought a house in some other parts of the U.S.

But, the low cost of living meant that buying a house at 20 was more doable.

Is it normal to regret buying a house? Is it normal to have buyers remorse after buying a house?

I don’t know what the statistics are on home buyers remorse, but it does happen. Hopefully with the tips before buying a house above, you can avoid that as much as possible.

Also, being realistic when it comes to what to expect when buying a house can help greatly as well.

What home buying mistakes did you make when you purchased your home?

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Source: makingsenseofcents.com

16 Free Work From Home Courses & Resources

Trying to find free work from home courses? Would you like to learn how to work from home?

Today, I have a great list of free online courses, plus webinars and ebooks that will help you learn how to start your own home business.Free Work From Home Courses

Free Work From Home Courses

If you’re looking to make extra income or a full-time living, working from home can be a great idea for you to learn more about. 

For me, I love being able to work from home. I have been working from home for over 7 years now, and I wouldn’t change a thing!

Many people enjoy working from home for reasons such as eliminating your commute, making extra money from home, being your own boss, having a more flexible schedule, and so on.

Also, around 50% of U.S. businesses are now based at home, and that number is expected to to grow.

There are lots of valuable paid online courses for work from home jobs, but if you’re not sure about an idea, you might not want to invest any money just yet.

That’s why free courses and guides are a great way to learn.

In fact, I learned how to start my business by first taking free courses. Since I wasn’t sure what I was doing when I started this blog, I didn’t want to spend money that I didn’t have just yet. I wanted to wait until I felt more comfortable and sure that blogging was what I wanted to do.

You can learn more about each of these online business ideas, figure out what is needed in terms of skills and education, the amount of money you can make, and so on. You get to test these ideas a little bit before you invest a lot of time and money, which is very nice.

Here is a quick list of the free work from home courses and resources that I’m sharing in today’s article:

  1. Sell on Amazon Starter Course
  2. Selling Printables on Etsy Ebook
  3. How To Start a Blog Course
  4. Build A Voiceover Action Plan From Scratch Minicourse
  5. Start An Online Advertising Business From Scratch
  6. Start Your Virtual Bookkeeping Business
  7. Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days
  8. General Transcription Mini-Course
  9. Become a Proofreader 76 Minute Webinar
  10. Court Transcript Proofreading Mini Course
  11. Podcast Virtual Assistant Workbooks
  12. Make Money Writing Romance Novels ecourse
  13. Pinterest Virtual Assistant Training Workshop
  14. Jumpstart Your Virtual Assistant Business
  15. Self-Publishing Your First Book
  16. FREE Intro to Scoping Mini-Course

In the article below, I will be talking further about each work from home business idea and the free work from home courses or resources available for them.

Here are 16 free work from home courses and resources.


1. Sell items on Amazon.

The first year that my friend Jessica ran her Amazon FBA business, working less than 20 hours a week total, she made over $100,000 profit.

This free course shows you how to start a profitable Amazon business in a 9-part video course. You’ll learn:

  • The exact steps to follow to set up your Amazon Seller account
  • Two easy and affordable ways to find items to sell
  • How to choose profitable inventory that customers actually want to buy

If this is one of the free work from home courses you’re interested in, click here to learn more and sign up for the FREE Amazon FBA Starter Course!


2. Sell printables online.

Did you know that you can earn a living by selling printables online?

Creating printables on Etsy can be a great side hustle because you just need to create one digital file per product, which you can then sell an unlimited number of times.

Printables are digital products that customers can download and print at home. Examples include grocery shopping checklists, gift tags, candy bar wrappers, printable quotes for wall art, and patterns.

You can sign up for this free ebook that helps you figure out where to start when it comes to selling printables on Etsy.


3. Create a blog.

Blogging changed my life for the better, and it allows me to earn thousands of dollars a month, all by doing something that I love.

Blogging has allowed me to save up enough money for early retirement, to travel full-time, have a flexible schedule, and more.

Here’s a quick outline of what you will learn in this free course:

  • Day 1: Reasons you should start a blog
  • Day 2: How to determine what to blog about
  • Day 3: How to create your blog (in this lesson, you will learn how to start a blog on WordPress – my tutorial makes it very easy to start a blog)
  • Day 4: How to make money blogging
  • Day 5: My tips for making passive income from blogging
  • Day 6: How to grow your traffic and followers
  • Day 7: Miscellaneous blogging tips that will help you be successful

You can easily learn how to start a blog with my free How To Start a Blog Course.


4. Voice over act.

A voice over actor is the person you hear but rarely see on YouTube videos, radio ads, explainer videos, corporate narration, documentaries, e-learning courses, audiobooks, TV commercials, video games, movies, and cartoons.

In 2014, Carrie Olsen replaced her salaried day job to become a full-time voice over actor. People are constantly asking her how she got her start and how they can too.

So, she created Build A Voiceover Action Plan From Scratch Minicourse – This free course will help you learn about becoming a voice over artist, even if you’re brand new!


5. Manage Facebook advertising for local businesses.

This is a skill that you can learn without any prior experience in marketing or advertising.

The going rate for Facebook Ad management is $1,000 – $1,500 per month, per client.

This free webinar will teach you:

  • How one client can earn you $1,000 to $2,000 per month
  • Where to find Facebook ads clients

And more!

You can sign up for free at How To Manage Facebook Ads For Clients & Build Your Own Online Marketing Business.


6. Become a bookkeeper.

A bookkeeper is someone who tracks the finances of a business. They may handle payroll, billing and invoicing, etc.

And, you can learn how to become a bookkeeper without being an accountant or having any previous experience.

This free resource will teach you more about running your own virtual bookkeeping business. You’ll learn:

  • Is a bookkeeping business for you?
  • What exactly is a bookkeeping business? What kind of work do they do?
  • How much money can you make as a bookkeeper?
  • How do you find clients?

You can sign up for free at Start Your Virtual Bookkeeping Business.


7. Flip items for resell on eBay, Craigslist, and more.

Have you ever found something that you thought you could resell to make some money?

I’m sure you’ve thought about it in the past. I know that I have!

My friend Melissa’s family earned $133,000 in one year by buying and selling items that they’ve found at thrift stores, yard sales, and flea markets.

Some of the best flipped items that they’ve sold include:

  • An item that they bought for $10 and flipped for $200 just 6 minutes later
  • A security tower they bought for $6,200 and flipped for $25,000 just one month later
  • A prosthetic leg that they bought for $30 at a flea market and sold for $1,000 on eBay the next day

This is one of the home business ideas that anyone can start because you can start off selling things in your own house – I know we all have lots of stuff in our home that we could stand to get rid of. Then once you get a feel for the work, you can start purchasing items to resell.

I know quite a few people who have been flipping items for resale successfully for years!

You can sign up for the free webinar at Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days.


8. Transcribe audio or video into words.

Transcription is when you turn audio or video content into a text document. You listen to what’s being said and type it up into a text format.

There are many businesses looking for transcriptionists too – since general transcriptionists convert audio and video to text for virtually any industry, there really isn’t a typical client. Some examples include marketers, authors, filmmakers, academics, speakers, and conferences of all types.

Beginning transcriptionists earn around $15 an hour, and it increases from there.

In this free course, you will learn:

  • What it takes to become a transcriptionist
  • How much you can earn as a transcriptionist
  • How you can find transcriptionist work

You can learn more in the Free General Transcription Mini-Course. This is one of the free work from home courses that can introduce you to a very flexible side job.


9. Become a proofreader.

Have you ever read an obvious mistake and wanted to fix it?

Proofreaders look for punctuation mistakes, misspelled words, lack of consistency, and formatting errors.

You take content that other people have written and then go over it with a fine-tooth comb. You might be proofreading blog posts, print articles, academic articles, website copy, ad copy, books, student papers, emails, and more.

In one year, my friend Caitlin made around $43,000 by working as a freelance proofreader.

In her free 76-minute workshop, you will learn:

  • Common questions about becoming a proofreader
  • How to become a proofreader
  • 5 signs proofreading could be a perfect fit for you

You can sign up for free at Transform Your Passion for Words & Reading into a Thriving Proofreading Business in as Little as 30 Days.


10. Become a court transcript proofreader.

Becoming a court transcript proofreader is a more focused version of the last idea.

Court reporters also use court transcript proofreaders because of the importance of this type of work.

There is more training that goes into becoming a court transcript proofreader, and that is why I separated it from the general proofreading workshop above.

Caitlin, mentioned above, also has a great FREE 7-day course just for people who are interested in becoming a court transcript proofreader.


11. Become a podcast virtual assistant.

There’s a big demand for podcast virtual assistants right now due to there being over 800,000 podcasts. And, that number just continues to grow like crazy!

While the podcast host is responsible for recording themselves, other tasks like editing and publication take time, so many podcasters outsource their work to freelancers or virtual assistants. Also, some podcasters may not know how to do those things, or they may choose to focus their time on other areas.

In this free resource you will learn:

  • A list of the top podcast skills that businesses need help with
  • A custom podcast production checklist that the instructors use with all of their clients

And more!

You can sign up here for free workbooks and checklists that will tell you more about how to become a podcast VA. 


12. Write romance books.

My friend Yuwanda has found one of the most interesting home business ideas – she writes romance novels, and in one month, she was able to make over $3,000!

In this free course, you will learn:

  • How to get over your fear of not being a good writer
  • The technical side of self-publishing
  • How she got started writing her first romance novel

And more!

Learning to become a romance writer is by far one of the most interesting free work from home courses. If you’re interested, you can sign up for free at Make Money Writing Romance.


13. Help businesses on Pinterest.

Do you enjoy spending time on Pinterest?

Businesses are always looking for Pinterest virtual assistants.

Pinterest virtual assistants help businesses with tasks such as:

  • Designing Pinterest images for a website
  • Helping business owners set up their Pinterest account
  • Scheduling pins because this can be time consuming for the average business owner
  • Brainstorming a marketing plan

Click here and click on “Free Training Workshop” to learn how to become a Pinterest virtual assistant and find your first client. In this free course, you’ll learn what you need to do to get started, what services to offer, and how much to charge as a Pinterest virtual assistant.


14. Help businesses as a virtual assistant.

Virtual assistance is a field that is growing very quickly and is one of the most popular online business ideas, as you’ve seen with some of the niche VA courses I’ve already mentioned.

Virtual assistant tasks may include social media management, formatting and editing content, scheduling appointments or travel, email management, and more. Basically, you can get paid to do any task that needs to be done in someone’s business, but doesn’t need to be done by them.

If you are looking for free work from home courses for virtual assistants, then, I recommend checking out Jumpstart Your Virtual Assistant Business. In that link, you’ll receive a free worksheet and workbook that will help you decide what virtual assistant services you can offer (there are over 150 choices!).


15. Write your own eBook.

Writing your own eBook is a great way to make money from home, and there is probably something super helpful that you could write about (even if you think otherwise!).

In fact, my friend Alyssa self-published her first book and has sold more than 13,000 copies.

She is now earning a great passive income of over $200 a day from her book ($6,500 in one month alone!).

In this free resource, you will learn:

  • What it takes to publish a book
  • The strategies used to launch a book
  • Writing tips

And more!

You can sign up for free at Self-Publishing Your First Book.


16. Become a scopist.

A scopist is someone who edits legal documents for court reporters. A typical salary for an average scopist is around $30,000 to $45,000 per year.

In this free course, you will learn:

  • What is scoping? What does a scopist do?
  • What about finding clients and marketing?
  • What’s the earning potential?
  • What do I need to get started?

If you are looking for free online job training courses about becoming a scopist, I definitely recommend you click here to sign up for the free How To Become a Scopist course.


Which course is best for working from home? What can I learn at home for free?

As you can see, there are many different free work from home courses that can help you start your own home business.

The best work from home job will vary from person to person.

I recommend writing down the ones that interest you the most, and exploring those further by taking the free resources mentioned above, doing some online research, and even asking those in the industry how they like their job.

Again, below is a quick list of the free work from home courses and resources that I shared above:

  1. Sell on Amazon Starter Course
  2. Selling Printables on Etsy Ebook
  3. How To Start a Blog Course
  4. Build A Voiceover Action Plan From Scratch Minicourse
  5. Start An Online Advertising Business From Scratch
  6. Start Your Virtual Bookkeeping Business
  7. Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days
  8. General Transcription Mini-Course
  9. Become a Proofreader 76 Minute Webinar
  10. Court Transcript Proofreading Mini Course
  11. Podcast Virtual Assistant Workbooks
  12. Make Money Writing Romance Novels ecourse
  13. Pinterest Virtual Assistant Training Workshop
  14. Jumpstart Your Virtual Assistant Business
  15. Self-Publishing Your First Book
  16. FREE Intro to Scoping Mini-Course

Which free work from home courses are you interested in?

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Source: makingsenseofcents.com

How To Start a Dog Treat Business At Home – How I Make $4,000 Monthly

Hello! Are you interested in starting a dog treat bakery business? Well, good news, this article will tell you what you need to know. Plus, you can sign up for this free training workshop that will teach you how to start your own side hustle baking and selling dog treats.

Hi! My name is Kristin Larsen, and I run Believe in a Budget, a blog about personal finance and my experience with various side hustles. (It feels like I’ve tried them all over the years!)dog treat bakery business

dog treat bakery business

As I’ve written about before here on Making Sense of Cents, my favorite online side hustle is working as a Pinterest virtual assistant. Managing Pinterest accounts is a great way to earn an income entirely online.

But today, I’m here to talk about a completely different side hustle, one that can be run entirely offline if you want (or entirely online, or a combination!).

While I love being able to work from home (or anywhere) on my computer, there is something to be said about stepping away from the computer and doing work that doesn’t involve the ‘virtual world’ – work that requires you to move around a little instead of being planted in front of a screen all day long!

In the case of this side hustle, it involves moving around the kitchen baking up beautiful and delicious dog treats.

Yes, dog treats!

The side hustle I’m speaking of is starting a dog treat bakery and I’m so excited to share it with you today. As a successful dog treat baker myself, I know first-hand how in-demand and lucrative this business can be.

How do you start a dog bakery?

How I Took My Dog Treat Bakery from Passion to Side Hustle to Full-Time Job

My dog treat bakery story started over ten years ago when I was an interior architect and designer at my 9-5 job.

At the time, I was the proud dog mom of Bella, a sweet-but-very-high-maintenance pup. Her birthday was coming up and I wanted to give her a birthday treat that fit her ‘diva dog’ personality.

I went to the local pet store and perused the aisles, but all I could find were treats filled with ingredients I couldn’t pronounce that looked like they had been sitting on the shelves for years. After a disappointing visit, I walked out the door and decided that I was going to bake Bella a treat.

This was kind of laughable since baking was not something I had done much of in my life, but I was going to figure out a way to make it work.

I decided to do some research by going to a local bakery and spending a lot of time staring at the baked goods (awkward!), trying to figure out which one I could recreate for Bella. I finally decided on a pretty cupcake adorned with white icing.

I went home, researched dog-safe ingredients and got to work planning Bella’s birthday treat. After a quick trip to Target to buy a mini cupcake tin, I started baking.

About an hour later, her birthday cupcake was baked, iced and ready to serve. Despite its small size, it was a huge success she loved it!

As soon as I saw how much she loved her treat, you could say I became a little obsessed with making wholesome, healthy treats for her. Soon, I started gifting them to friends and family.

I went from developing a single cupcake recipe to developing over 20 different dog treat recipes everything from treat bones to cookies to brownies to cakes!

Pretty soon, the friends and family who were on the receiving end of my gifts were saying: ‘Kristin, our dog(s) LOVED your treats. Can we buy some to gift? Can my friends/family/co-workers/neighbors buy some?’

With those questions, Diva Dog Bakery™ was born!

My little ‘obsession’ quickly became a side hustle, first bringing in $100 to $200 a month, then over $500 a month, just selling through word-of-mouth. It was the easiest money I had ever made!

In a serendipitous turn of events, I ended up losing my 9-5 job a few months after I started Diva Dog Bakery™. It was during the Great Recession, so I couldn’t find a job in my industry anywhere. My unemployment checks weren’t enough and I was quickly going through my savings.

I was initially stuck in a ‘dog treat bakery = side hustle’ mindset,  so it didn’t immediately occur to me to try to turn my side hustle into a full-time business. But when my money was drying up, it finally clicked: I can turn this into a full-time business!

I went all-in on my bakery and hustled hard. I sold at multiple farmers markets every Saturday (shout-out to my parents who helped me ‘be’ in multiple locations at once!), started a successful Etsy shop and also sold products wholesale.

Pretty soon, I went from going broke to making a solid $3,000 to $4,000 per month… despite the economy being in the biggest downturn since the Great Depression. 

Needless to say, I was ecstatic!

The especially exciting thing about my earnings is this was nearly ten years ago when the dog treat industry wasn’t nearly as hot. These days, my efforts could easily bring in double that!

The Opportunities in the Dog Treat Industry (Why You Should Start a Dog Treat Bakery)

When I first started my dog treat bakery, the idea of buying homemade cupcakes or brownies or cookies for your dog was still considered a little ‘out there.’

These days, dog owners are much more tuned in to the idea of pampering their pooches and they’re willing to spend money to make it happen.

Here are a few interesting stats for you:

  • The dog treat market is incredibly hot right now and getting even hotter… to the tune of almost 7 BILLION dollars in sales in just 2020 alone! (source)
  • Over six out of ten dog owners are concerned about the safety of the dog treats they purchase. (source)
  • Dog owners are especially interested in purchasing dog treats with wholesome, easy-to-pronounce ingredients. (source)

It’s never been a better time to get started with a homemade dog treat bakery!

How Much You Can Earn Baking Dog Treats at Home

If you just want to run a fun-but-profitable hobby, you can easily earn $500 to $1,000 a month with a dog treat bakery as a side hustle.

At this level, you can do all of the work yourself in just a few hours a week. If you have kids, you can also have them pitch in. A dog treat bakery is a great family business!

If you want to turn your dog treat bakery into a full-time business, you can scale it into four figures a month, or even five figures a month.

If you want to scale your dog treat bakery into a full-time business, expect to work 30 to 35 hours a week yourself. If you want to have a heavy farmers market presence, you will probably need to bring on some help for a few hours each week so you can have a presence at multiple farmers markets at the same time. (The best ones are usually on Saturday mornings.)

If things get really busy, you can bring on baking help, marketing help, shipping help and more! You can make this business as big (or as small) as you’d like.

Where to Sell Your Dog Treats

As I mentioned at the beginning of this post, you can run your dog treat baking business in a way that suits your lifestyle. You can run it offline, online, or both!

There are so many ways and places to sell your treats, but here are a few ideas to get you started.


  • Word-of-mouth sales (e.g., friends, family, co-workers, church)
  • Farmers markets
  • Wholesale to local businesses (e.g., pet stores, veterinarian offices, gift shops) 


  • Etsy shop
  • Social media for local sales
  • Social media for nationwide sales

How Much Does it Cost to Start a Dog Treat Bakery?

Like nearly all businesses, starting a dog treat bakery comes with a few start-up costs, but you will easily earn these back when sales start coming in, or you can even take pre-sale orders! (Have I mentioned that the profit margin on dog treats is amazing?!)

Typical start-up costs for homemade dog treat bakeries in the U.S.* include:

  • $20 to $50 for the initial ingredients, plus a few inexpensive baking tools if you don’t already have them in your kitchen
  • $0 to $75 for treat packaging costs
  • $25 to $50 for a business license
  • Between a $25 one-off fee to up to a $50 per-treat fee to register your treats with your state – this will depend on your state’s regulations

*Costs and laws outside of the U.S. will vary from what is listed here.

Are Dog Treat Bakeries Regulated?

Yes, but not nearly as much as ‘people food’ bakeries. (Good for would-be dog treat bakers, but a little sad for our furry friends!)

In the U.S., the exact regulations you will need to follow are decided by your state and sometimes your local area (e.g., county, city). This is easy information to find out by contacting the following agencies:

  • State department of agriculture or feed control office
  • State and local health departments

You can also contact your state’s business agency and tell them you want to start a pet treat bakery. Many states have information on file about pet treat bakeries that tell you everything you need to do.

Don’t be intimidated by this process – in most cases, all you have to do is fill out a few forms and pay a few small registration fees!

How to Get Started as a Dog Treat Baker

When I first started Diva Dog Bakery™, I honestly had no idea what I was doing.

Although I saw success pretty quickly, there was a lot of trial-and-error because I had no one to guide me. I didn’t know anyone who owned a bakery, let alone a dog treat bakery.

The one thing I definitely did right at the beginning – and what I recommend to you if you want to become a homemade dog treat baker – was to spend some time in the kitchen learning how to make treats.

Because I wasn’t much of a baker (and maybe you aren’t either), getting a little baking experience under my belt was very helpful.

I also tested out my treats on my dogs and the dogs of some of my friends and family. Dogs may not be able to talk, but you can tell pretty easily which treats they love eating and which treats they’ll turn their nose up at!

With this data, you can start to package up and sell the most-liked treats. You can scale it from there and start to build up your business.

If the idea of going it alone on a dog treat bakery business sounds a little intimidating, I’d like to welcome you to join the Diva Dog Bakery™ course where I’ll teach you exactly how to build a thriving dog treat bakery business!

Here’s what the course covers:

  • How to best make and store dog treats (this is where you’ll practice your baking techniques)
  • How to turn your hobby into a legal dog treat business 
  • How to package your treats beautifully without hours of effort (beautifully packaged treats command premium prices!)
  • How to price your dog treats so you maximize your revenue
  • Where to sell your dog treats: offline, online or both
  • The best methods for accepting payment
  • How to most efficiently and inexpensively ship and deliver your treats
  • The best ways to promote your business so you build up a following of raving fans and repeat customers!

You’ll also receive valuable bonuses, including:

  • My full dog treat recipe book, which includes the most popular and profitable recipes I used in my bakery
  • Guaranteed analysis/nutrition labels to use on your treats (required by certain states)
  • 30 days of free access to the Diva Dog Bakery™ Community so you can get all of your questions answered while you grow your business, including live training

It has been so exciting to help new dog treat bakers launch their businesses! Cheering on every baking success and every business success is truly the best part of my day.

Lessons Learned from a Cupcake… and a Phone Call

I like to say that Diva Dog Bakery™ started with a cupcake.

But it really, truly started when, after gifting treats to friends, one of those friends called me and said: ‘Kristin, can I buy a bag of your dog treats?’

Until that moment, I had no idea that anyone would actually want to pay for the treats I had been making as a labor of love.

I learned a valuable lesson that day: there is a market out there for so many different products and services. Whether it’s a product or service that we dream up on our own or that we learn from a course, there is probably someone who wants to buy it from us.

We just have to figure out a way to make that sale happen… and then make it happen again and again!

Dog Treat Bakeries are a Great Business to Start

If you’re interested in starting a business that’s ‘outside the box’ of the typical online businesses, then I highly recommend starting a dog treat bakery. 

The industry is booming, the work is enjoyable, the profit margin is fantastic and (maybe the best reason of all) you have the cutest customers!

To get started on your dog treat bakery journey, I’m offering a free dog treat bakery workshop! Check out the sales page here and sign up for the free workshop.

If you have any other questions about starting a dog treat bakery after watching the workshop, just email me and I’d be happy to answer them.

Are you interested in starting a dog treat bakery?

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Source: makingsenseofcents.com

Energy Ogre Review – How To Save $800+ A Year On Your Electricity Bill

I have partnered with Energy Ogre in this Energy Ogre review. All opinions are 100% my own. You can use Energy Ogre promo code MSOC to receive a free month of Energy Ogre service (the 13th month free).

Do you want to save money on your electricity bill?

If you live in Texas, then this article is for you!

Unfortunately, many households in Texas overpay for their monthly electricity bill.

But, that doesn’t mean you can’t change that.

There are plenty of ways to save money on electricity, and one of them is to use Energy Ogre.

Energy Ogre saves members $800 to $1,200 each year on average, so people are actually excited to get their electricity bill, instead of dreading it.

Energy Ogre shops the market for their members, and analyzes the available electricity plans from hundreds of providers, then selects the best one based on the member’s energy usage.

If you live in Texas, this is a really easy opportunity to save some extra money.

You can use Energy Ogre promo code MSOC to receive a free month of Energy Ogre service (the 13th month free).

What is Energy Ogre?

Energy Ogre is an electricity management company that monitors the market to make sure their members are on the best value electricity plan for their home. This gives their members access to the most affordable electricity plans.

Energy Ogre has helped thousands of homes, and the average Energy Ogre member saves over 40% on their electricity bills.

Energy Ogre saves you time and money, and I think that’s a no brainer!

They also have a free savings calculator that will tell you immediately how much money you will save, which I highly recommend. Just try it out to see if you can save any money.

You can sign up for Energy Ogre here.

How does Energy Ogre work?

Energy Ogre is super simple!

Once you sign up, they handle finding the best electricity provider for you, so that you can save the most money and have the best electricity plan for your household.

Then, they continually monitor your electricity contract to make sure that you have the lowest rate.

Luckily, in Texas you have the freedom and option to choose your electricity provider. However, many people don’t realize this or they think it’s too much of a hassle to switch. And, many times, most people simply don’t realize how much money that they could be saving each month!

How much is Energy Ogre?

Energy Ogre is a membership service that costs $10 a month, or $120 per year. This fee is separate from your electricity bill.

Even though Energy Ogre costs a little bit of money, you’ll most likely see great savings, as statistically most people are overpaying in Texas!

Remember, Energy Ogre saves members on average $800 to $1200 each year.

Is Energy Ogre legit?

Yes, Energy Ogre is paid for by members like you, instead of electricity companies. Since they are completely independent, you know that YOU are their focus.

Some of the tasks that Energy Ogre does include:

  • Energy Ogre monitors the electricity market to make sure you are always on the most affordable plan.
  • They receive custom, below-market rates to save you the most money.
  • They stay ahead of your renewals so that you are always getting the best pricing.
  • They provide tools to better manage your electricity consumption.

Yes, you could find your own electricity plan, but using Energy Ogre can save you a ton of time, and they know what they are doing. Energy Ogre reads all of the fine print, knows about all of the surprise fees, and they do all of the calculations for you.

So, you’ll be in good hands with Energy Ogre.

How can I cut my electricity bill?

If you want to cut your electricity costs even more, here are many other ideas that can help you save even more money:

  1. Instead of using your air conditioner, use fans. Fans use a lot less electricity than AC.
  2. Regularly change the filter on your AC or furnace.
  3. Unplugging unused electronics. Computers, TVs, chargers, and more all use power even when they’re turned off.
  4. Changing your heat or air conditioner temperature so that they turn on less often and use less power.
  5. Keeping your refrigerator doors closed, as it uses energy to cool it back down after you are done.
  6. Turning off lights around your home.
  7. Using a programmable thermostat. With a programmable thermostat, you can set the temperature at exactly what you want it to be for different times throughout the day. This way you don’t have to constantly change it as it will automatically change on a set schedule.
  8. And of course, sign up for Energy Ogre!

If you live in Texas, Energy Ogre can help you save hundreds of dollars a year.

You can use Energy Ogre promo code MSOC to receive a free month of Energy Ogre service (the 13th month free).

What do you do to save on your electricity bill each month? How much is your monthly bill usually?

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Source: makingsenseofcents.com