Whether you’re in full-time employment or job hunting, a student trying to raise some extra funds around studying or busy keeping your household running, earning some extra money quickly and easily can be tempting.
The internet provides plenty of opportunities to make a little cash, either as part of a routine or just as and when you have the time. Unfortunately, it’s pretty unlikely that you’re going to hit the jackpot and make millions. But every little help, and even a relatively small extra income can feel like a big difference to your finances.

Freelance work

One of the more time and effort intensive options, taking on freelance work around your other commitments can be a flexible way of making use of your skill set. You can set yourself up as an independent freelancer, or make use of an online freelance ‘agency’. After setting up an account and profile, you apply for jobs that match your skills. The type of job can vary widely, but common areas include editing, ghost writing, or voice recordings.

If using an online platform, make sure to check what cut the site itself takes off of your income! Even if you don’t pay to join, the company will usually take a set percentage of your pay per project. They can still be worth using, but it’s worth bearing in mind when you’re looking at projects to apply.

Filling in surveys

Online surveys or studies sometimes offer financial reward for filling them out, or the chance to win in a prize draw. If you have the spare time to click through a few customer research questions, this can be a viable way of adding a little extra spending money to your account. The prize draw option usually has a bigger payoff if you get lucky, but the chances of it happening are much lower. Hence, the best would be to choose the low-pay, but certain options.

Browsing the web

Being paid for spending time on the internet sounds too good to be true, but happily it’s not. There are both separate browsers and add-ons that pay you per web search – at only the cost of a few additional sponsored results or adverts.
Of course, the payment per search is pretty minimal, and it may not be every search, so this isn’t necessarily a reliable source of income. Still, this is probably the easiest way to make a little extra money online, as it can be simply a background aspect of your usual routine with only a minor change.

Internet shopping

It might not be a strategy with a net gain, but some sites also offer a financial reward for using their online shopping system. Again, the cash back isn’t for anyone purchase going to revolutionize your bank balance, but over time, it adds up. Like browsing the internet, it’s also a neat way to reap a benefit from something you were going to do, so doesn’t take up any extra time or effort.

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When most people think about financial planning you immediately think about planning for the future, but what about the present?

Planning for now or the future?

There is no denying that planning for the future is essential. However, it is also imperative that you do not misjudge the value of planning for now.

Planning, for now, can make your current situation better which in turn can secure your future.

So why is financial planning important?

Financial planning can help improve your financial health as well as help you achieve long and short term goals. Financial planning can significantly improve your –

• Income – careful planning can not only help you organize how to spend your income, but it can also help you identify and cut out waste which will boost your cash flow
• Savings – your increase in cash flow can be used to boost your savings which can help you achieve goals or prepare for unexpected circumstances
• Capital – increased cash flow can also contribute to an increase in your capital
• Investments – Financial planning can help you gain a better understanding of your financial circumstances, with this in mind you can make better investment choices
• Assets – having assets can be rewarding, but they can also become a burden, it’s important that your assets help boost your financial health
• Standard of living – a boost to your income can significantly improve your life, by enhancing your disposable income you are creating more economic opportunities
• Family security – increasing your savings, making smart investments, looking after your capital and assets, will help you keep your families future safe, it’s also worth looking at insurance policies which, along with savings, can also help during times of unexpected circumstances

The list above makes it clear, how by looking after the now (income) you can start building up to take care of your future (family security).

How to plan for now

Financial planning does not have to be an overwhelming and complicated process; it will, however, be an incredibly rewarding exercise.

Creating your personal financial plan is possible–

• Creating a budget and making note of what money you have coming in and what you spend
• What are your financial goals? It is important to come up with specific goals which are realistic; we would all love to be billionaires with our island and private jet, but this is not a realistic goal for the majority of us
• It is important to set up safety nets to prepare for events such as accidents/ ill health/ or death as well as things such as damage, loss, and theft – insurance policies and healthy savings will help protect you and your family
• Keep a close eye on your credit report; a quick credit check will give you a good picture of your financial health
• Keep on top of your financial plan; there may need to be adjustments or if you reach your goals you can then plan your next steps, ensuring sound financial health is an ongoing commitment

However, if you prefer then you can contact a financial planner, and they can go through your finances with you and create a financial plan for you.

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