How to Make money without degree

 I heard some college or degree cannot pay the  student loan. It is difficult today to pay off the student loan due they have not good job. Good jobs, meaning or get salary that is enough. Enough size is undefinable. I also diffilcut to determine the enough. However, the enough could be meaning you can fulfill your need and pay your debt. 

Some people think they can pay the student loan after graduating but they cannot. They have to pay the debt. Finally, they can sell the asset to pay the debt. 

some jobs does need colleges degree. There area some opportunity and abundant but also the abundant people search the jobs. However, you can try to find the jobs

1. writer

Not many writers in this world. Only talented or the hard worker writing that can live from the article or book. Only few people can make million dollars. However you can try

2. Blogger

Blogeer also a good job to. Little people can make money in blog. 

3. Welder

Some professional Welder generate money so much. You have to get welder certificate

4. Carpenter 

Some carpenter make money too. They should be able to made something from wood.

5. House Builder 

Not all people can build a house. That is why most people hire to build their house. 

6. Elictrician 

If you dare hold the cable, you can make money as electrician. 

you can also idea in this blog post 

Photo by Mohammed Hassan

Open a business without quit job

Some people complain about their low salary. The salary is not enough to cover their monthly spending. The salary almost loses at the middle of the month. They must trim down their spending such as eating out, cloth, cable tv and others. Sometimes their find side jobs but they do not get enough money.

Therefore some worker opens a business to make money. As long your business does not disturb your job, you can open a business.  Perhaps blogging is a good choice for your business. To make money, you should have a good website that has thousands subscribers or thousand visitors everyday. More visitor you can get more money.

To make a good website, you should write dozen or hundreds good content. You can also hire writers or ghost writers to create a good content. You will generate the visits soon when you promote it to the social media. People will visit your blog and you will make money.

You can also open online shop to sell something. Perhaps you want to sell old book or kids’ toy and bag. There is some profit that you can get from it.

There are so many opportune today. You can also open a café near your house .Perhaps you have a favorite cuisine that people like it. Alternatively, you can sell the cookie or bread online. The visitors will ask you some cookies.

You can also sell your hobbies. Perhaps you save some photograph in your hard disk. You can sell it for a dollar or cents.  It will not disturb your working time.

When your business grow up you can ask other people to help you or you can hire virtual assistant. When your business become larger, you can decide to quit jobs. You should choice whether you stay at your last jobs or

Financial advice for newly graduated

Some Australian young must return to the parent home because they have no jobs. During the crisis, the jobs opportunity is narrowing. The company has not received any employee because they have to minimize the spending.
After graduated from college, you must be confused where to go? The economic is so tight and the unemployment is so high. You may be difficult to find jobs.  However, you should responsible to your life. You have to make effort to reach wealth.


1. Find the jobs
No matter how hard you try, you should find a job. Ask the people near you about the vacancy. They may have job vacancy information. It will be better if they recommend you to a company or institution.  Sometimes the classmate informs you a good position in their office.
You should be proactive. Promote yourself that you are n expert and the company or people will hire your service. Promote your self at social media too and prove that you can do as an expert.
Write a good application letter and curriculum vitae so the company may attract to interview you. Most newly graduate do not write good application letter. They just imitate the other people letter; whereas, we are different each other. By copying other people’s letter, we cannot promote ourselves well.
Make sure you apply the right jobs for you. Do not waste your time by working the jobs that you do not like. Apply the job that you like and fit to your education background.
If you cannot find jobs, you should consider to start business. Some unemployment can reach success after starting business. Use the capital that you have. Do not depend on money only.  Use your brain to make money.
2. Create a tight budget
Most young men do not think the future. They spend all the salary for the things that they supposedly not buy. They do not know exactly where to spend the money. Some newly graduated buy useless gadget. They jus want o show to their friends.
Supposedly, they earmark the money for saving. Saving is important to reach wealth. When you need the money, you can withdrawn the saving. I believe a newly graduated also needs money when they marry. After marry, they must need a house. Hiring apartment or house is sometimes awfully. When hey have kid, they must need more money too.
Creating a tight budget does no mean miser. You can still give donation or charity o other people. It makes you and other people are happy.
3. Learn about financial planning
Although you are not graduated from finance major, you need to learn about financial planning. This science will help you to plan your future and reach the wealth. It is not difficult to learn it. You can read the book that is written by Dave Ramsey, Suze Orman, Robert Koyasaki, and else. If you have no much money, you can read the finance article in the website or blog.
What is your plan after graduating? You must need some money for your plan. Financial planning will guide you to reach your planning or goal. To reach the goal, you may save some money. You have to post or allocate the money for your plan to. Some people may have money than they can imagine. The asset increases over many times because they put the money in investment.
This science also tells you that you have save some dollar for your pension. Yes, you are still young but you have to think your future.  Apportion penny by penny for your old time and you will have the benefit of it.
He financial planning also help you to manage your money well. You can allocate the salary to various expenses such as food, cloth, gadget, leisure and other. It help you to limit your expense. 
4. Create emergency fund
Supposedly a student provide he emergency fund. Sometimes we should spend money for buying a book or make a project. A nice sudden know that he should provide emergency fund.
A newly graduated must need much money too. For example, they must to go to the office for an interview. Sometimes, the office is far from the house. They should buy a flight ticket which is not cheap for it. They can use the emergency fund to buy the ticket. The situation can worse when you have no money. You cannot buy the ticket and you cannot go to the office for an interview. As consequently, you will not enter the company.
When you still have no jobs, the fund can also help you to buy food and cloth. You can also pay the apartment fee. Remember, the emergency fund is limited, so you have to make money before your emergency fund deplete.
5. Do not buy a car
A new graduated does not need a car. The cost of having car included service, gasoline, and oil is so high. Your salary may be not enough for that. You are better to save your money for other post such as education. You may have interest to continue to master degree. The master degree graduate can get better and higher salary than undergraduate.
You can buy the car when you have so much money. Do not ask your parent to buy car and pay the cost.
6. Retirement fund
Most young man or newly graduated do not think retirement fund because they think they are young. They need so much money topsoil them self and they think retirement when they become older. Retirement fund is not the old man business but also young man business too. The young can gather more money than the old man can do. The sooner they invest at retirement fund, the bigger they receive the retirement fund later.
If you are businessman, you can earmark the business profit for retirement fund. Some retirement fund is flexible and have credit facilities so we  can borrow the money from it to enlarge our business.

How to organizes Finances
The Benefit of Recession
Financial Planning for 30's

Financial Planner for 50’s : Preparation to retirement

When we reach 50, we may need so much money. Our Child may need education or college fund. It is not an easy task. The fifty should provide the education fund for the kid

Adjust the portfolio
The fifty often shift the investment to safe investment. They replace the stock with low risk bond. They do not want to gamble with their money. If they loss in the market, they do not know to change the money. They afraid their house will loss to cover the investment loss.
The blue chip stock or defensive stock may fit with the fifty investment due it generate dividend for the investor. The blue chip company is also stable, facing the tight economic.

Resize the house
When your kid has gone from your house, you may need to resize your house. You do not have to own a big house that may bothered you. You must be tired to sweep and peel the large floor. The cost of small house is also cheaper. You do need to make much maintenance to the house.

Retire
If you have much money, you can decide to retire at the fifty. In my country, the government will fire the public service who has hit fifty five except the teacher, lecture, nurse and doctor. The government does not want to employ the old man that is less productive because it load the government budget.
Some company may fired the worker who has hit fifty five.

Find other jobs
If you work at the office or company that need your power, you need to move to other company. The fifty must decrease the activity to keep the health. The fifty five must not be strong as young man. If they got sick, they must be decrease the activity.
If you have a sign that the company will fire you, you have to prepare yourself. Find another company that want use your service and skill. Alternatively, you can use the severance from the company to start a business. Perhaps, you have some idea about business.
In my country, the government organize workshop to help the retire to get some business knowledge such as farm, small business, and others. Some retiree can build a business after they quit from the jobs. It is better than do nothing. An oldman may still work to make money.

Read More

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Why People fail to reach financial freedom
Golden Rule for Financial Prosperity

How to manage finance when you are between jobs

Some company prefers to shutdown its factory because they have no money again. As consequently, they must fire the employee. The Employee must not receive the paycheck from the company due they have stopped works. It is a difficult time for employee to manage their finance. Here are the steps to manage the finance:
1. Use the emergency fund. If you have the emergency fund you can use it as the cash flow of your family. Some family may provide cash for three month, six month or twelve months in advance. If you provide more money for long term it is better.
A man supposedly has emergency fund especially they know that the company will bankrupt or the company will fire them.
2. Trim the spending
You have cash flow again. Trimming some spending may not generate money but it can save your emergency fund. Do not eat out again. Prepare the dinner is cheaper than eating out.
The cloth is also a high spending for some family. They want to have a good look. Buy some generic cloth can reduce your cloth spending. 
Use some coupon to reduce your food spending. Scissor the coupon from newspaper and magazine. There lot coupon on facebook. The company facebook group promotes some sample product that you can use.
3. Generate money from other source
Being unemployment does not mean you are not working. Find any jobs that can generate money. Being volunteer may be a good idea. Generate five dollars a day may be useful for you. Some Non Government Organization may give you lunch at the middle day. Therefore, you can thrift some spending.
Surf in internet. There is lot information about freelance jobs. If you have skill, you can generate dozen to thousand dollars.
4. Adjust your investment portfolio
Evaluate firs your investment portfolio. If it can give you the money, you should not withdraw it. Use the revenue to support your live. If we have no jobs and we have no money, we will withdraw the investment. It is better than borrow money from others. You can withdraw or cash some investment for productive things for example business.
Change the risky investment from your portfolio or you can withdraw it as emergency fund. If you have a business idea, you can try it. You should know that business is risky too.

I hope you will get jobs again so you can stream the income again.

Read Also
Protect you from high inflation
Pros and Cons Budgeting Your Money
How employee make additional money 

Should I receive less paycheck

As the consequently of the high unemployment, some company decide to recruit low paying employee so they can trim down the company expenses. It is important for the company to reduce the cost, reminding their revenue has decreased since the crisis occurs.  The raw material cost is skyrocketing. Some government also increases the tax to increase budget.
Some fresh graduate may accept the jobs to find the experienced but some experienced employee may refuse the jobs.
Working for low salary may decrease the experience works bargain. Some economic or finance expert also said that some jobs has high opportunity cost, meaning you will lose some opportunity by taking the jobs. It is more terrible than being unemployment.
The experienced have ever enjoyed a high salary so it is difficult for them to accept low salary. They own house or car. They go to office by car. They prefer to find other jobs or opening a business. Opening a business can generate more money but you need capital to start it. Some unemployment can make money higher from business than when they are still working for the company.
If you have no money and business, you should take any jobs. In my country, a fresh graduate want to works for $65 a month. They have no choice. Some big company just want experienced employee only. The money is not enough for the employee necessity. However, they can save some spending by living with the parent. The paycheck is just enough for transportation, a cloth, and, lunch. They sacrifice to works for four hours than they can find other jobs. Some employee is success to do this strategy. I have ever seen that a doctor degree promote himself to work for food. He has no jobs so he needs some food. Asking other people or become a burglar is not a good way A burglar may generate thousand dollar a month but your pride will decrease. Perhaps, you will meet your family, neighbor, your lecture, your ex wife and else.
There are some benefits when you work for a company or firm whereas you just get little money, such as:
1. You still have a job
No matter how much your money that you will get, you still have job now. You can answer to someone who asks you where your occupation is. Your pride is still high if you have a job, even some people may mock you due its low salary. You can explain them where you works and how you works.
Perhaps you do not like stay home. By taking the jobs, you can go to office everyday. It might make you happy.
2. Your brain still work
An unemployment brain must does not work well because they do not use it. Perhaps they do not know how to sum the number with excel or spreadsheet. You may forget to copy a file or download a file.
Working can increase your knowledge and experience that will increase your value and expertness. The knowledge that you get from university may be different with your jobs. You will be able to work with words and spreadsheet. Some company may consider your experience to increase the paycheck. Someday you will be hired some good company that pay you high.
Staying at home without doing anything makes you crazy. Some people stress because they have no jobs. They become alcoholic because they drink too much. They think the alcohol can help them from unemployment. 
3. You get a network
By working, you will get new friend. Not all friends are a good man but you can get a few good men who help you. I get some friend in the university where I teach there. He asks me to teach at the school where he led. I am happy to hear that.
Surely, you should build a good relationship with your friend. Do not ever cheat them and make them down. Your reputation will be bad once you disappoint them.
Someday you need them. You can offer your business or stuff to them. You can also offers consultant service if you build a consultant company.
4. You get the project
Some jobs also offer the project to the employer. The projects are important to stream more income. You will work some jobs that make your experience and skill better.
5. You receive money
Is your salary enough? I am pretty sure it is not enough; however, you can save the money penny by penny. Use it to apply the other jobs. You can also use it to starting a business. It is better to get $100 than nothing. You can give it to your mother if you live at her house.

If you have no job at all, you have taken the jobs. I believe you will not satisfy with the paycheck, however, you can find other ways to stream other income. You can also start business such as online business to add your income.Some employee does the jobs after working hours. I heard a blogger still work though they just receive little dollar from it. He worked at the day and write at the night. When he got thousand dollars from blogging, he stops working. 
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Freelancer Versus Employee: Which side are you