Archive for the ‘Saving’ Category

What I Earned From One Month Investing With Ellevest

Sunday, December 1st, 2019

What I Earned From One Month With Ellevest from MomAdvice.com

 

Are you looking for an easy way to start investing? Robo investing might be the perfect option for you and I am sharing the scoop on what I learned from investing with Ellevest.  Today I’m sharing what I really earned and about the process of getting an account started as we explore passive income money making opportunities for moms. Be sure to visit our entire Passive Income Ideas for Moms Series all year long as I challenge myself to find new ways to earn money for our family. 

I can’t believe that we have another month behind us in our Passive Income Ideas for Moms series.  I have been SO thrilled to get so many messages and comments from women who have been taking this challenge with me and are feeling empowered to start investing in themselves.

Today I get to reveal the results from my month of investing with Ellevest.

Honestly, as exciting as it was to share with you about Rakuten, I was ten times more excited to start my first portfolio with some of my earnings from MomAdvice. 

If you have been intimidated by the investment process (*raises hand*) I think you will be really happy to hear how easy this was and how incredibly thankful I am that I started doing this.

What I Earned From One Month Investing With Ellevest from MomAdvice.com

(click here to get $20 to start your Ellevest portfolio today)

What I Earned From One Month Investing With Ellevest

What is Ellevest?

Ellevest is a woman-owned company that focuses on building investment portfolios. What makes it unique is that they have something called an, “Impact Portfolio,”  that allow you to invest in stocks that support women in business.

This is a robo advisor tool that makes investing easy and also doesn’t cost the consumer an arm and a leg.

Robo advisors (also known as automated investing services or online advisors) use computer algorithms and advanced software to create an investment portfolio for you.

They are referred to as robo because this is mostly an automated process that requires little to no human interaction.

This translates into cost-savings for you because they are using these automated tools to build your portfolio.

The biggest difference between this company and other companies is that their focus is on wealth-building for women by investing in other women.

They call these portfolios, “Impact Portfolios,” because you are making a positive impact on women.

Pretty cool, right?

For an Impact Portfolio, they use these three key criterias in selecting your investments:

WOMEN IN LEADERSHIP

Funds investing in companies with more women leaders and policies that advance women.

SUSTAINABLE, ACCOUNTABLE COMPANIES

Funds investing in companies working to meet  for sustainability and ethical practices.

COMMUNITY DEVELOPMENT

Funds providing loans to support women-owned businesses and companies that provide community services – child education, performing arts, and housing and care for seniors and individuals in need.

They also realize that women have different life spans than men and they adjust your retirement requirements accordingly.

Want to learn even more about Ellevest? Be sure to read this introductory article to Ellevest that includes a really awesome interview with the Ellevest CEO, Sallie Krawcheck!

How Much Did I Invest This Month with Ellevest?

Just as a reminder, there is no minimum balance to open your account!

I decided to set up a one-time deposit of $2,000 into this account and then set up automatic deposits of $300 monthly into my wealth-building account. 

I also wanted to create a little vacation fund for us so I have $50 going into a one-time splurge account that we will be able to earn some money on while we save. 

Just as a reminder, I did work one month ahead so I could walk you through the process of setting up an account.

Technically, I invested $300 in my wealth-building account and $50 into our splurge account for the month of November.

Investment Goals with Ellevest

What Types of Accounts Did I Invest in With Our Money?

Ellevest is set up in a simple goal-oriented format that, basically, allow you to set up buckets for investing. 

Anyone who has been a fan of the envelope system for savings will appreciate this. Basically, it is a virtual envelope system to invest in yourself.

I selected their Impact Portfolio over their Core Portfolio because my goal is to have a great retirement…while lifting up other women.

Choosing this portfolio allowed me to do both those things. 

I also created a splurge fund to put towards a future family vacation.

Was It Easy to Earn Money Through Ellevest?

YES, this is SO easy because you are putting your investing on automatic. 

Once you set up those goals for your account, you tell Ellevest what day of the month you would like your automatic withdrawal to happen and that’s it.

I haven’t had to think about investing at all because it all has been done for me automatically.

If there is anything I’ve learned through this wealth-building series it is how important it is to automate these investments in myself.

What I Earned From One Month Investing With Ellevest

What Was the Outcome of My Ellevest Portfolio?

In October, I earned $56.89, in net returns, after opening my account with $2,000. 

In November, I deposited an additional $300, earning me $71.64 (for the month of November).

In total, I’ve earned $128.53 with Ellevest in two months.

I don’t know about you, but that’s a heck of a lot more than what I was earning with my money sitting in my bank account.

For my modest $50 splurge fund deposit, I earned $2.80 on my monthly investment.

What Did It Cost Me to Invest With Ellevest?

This tool is much cheaper than hiring a financial advisor because a more personalized services can charge you a whopping 1% annually.

With Ellevest, your annual management fee is .25%.

If you saved $5,000, for example, you would pay $12.50 for the entire year. 

For the amount that is within these accounts, my charge was $1.80.

This amount will shift as more money is invested, of course.

Ellevest Impact Portfolio Example

Did I Really Support Women By Investing With Ellevest?

Earning money is great, but did I make any impact on women in business?

Good news… I did!

How do I know this?

If you look at my Impact Portfolio (see the image above) you will see these green circles with icons that tell me why they picked these stocks and how it impacts others.

This icon tells me that I’m supporting Women in Leadership. These funds invested make an impact on women leaders and policies that advance women.

This icon tells me that I’m supporting Sustainable, Accountable Companies.

These funds invested make an impact on companies that are working to meet higher standards for sustainability and ethical practices.

 

What I Earned From One Month Investing With Ellevest from MomAdvice.com

 

As you can see, 53% of my portfolio really goes into those impact funds. Impact funds are the ones that are distributed to women in leadership, sustainable companies, and to community development.

Why am I not 100% invested in women though?

As a fiduciary, Ellevest prioritizes the appropriate mix of investments to help you reach your goals.

This means a low-cost, globally diversified portfolio invested across many asset classes.

At this time, there are not sufficient impact investments to meet their fiduciary criteria for all of their asset classes.

They do continuously monitor the marketplace for new impact investments that they believe are suitable for your Ellevest Impact Portfolio.

In a nutshell, they research each impact investment in your Ellevest Impact Portfolio to ensure it meets their fiduciary standards.

Then they make it even greater by investing to make a positive impact in the world.

Did I Really Earn Money on Referrals Through Ellevest?

Ellevest does have a referral program (open to everyone) that you make a referral credit for each person that signs up and have created an actual account. 

That means, the accounts must be fully funded for you to receive a referral credit. 

Credits are then applied to your highest-priority funded goal.

If it’s a taxable account (not an IRA), the credit is applied as a one-time deposit and you’ll see it as a pending transaction in your goal.

The major complaints about Ellevest had been about the referral program.

If people haven’t went through the process of establishing the account and making a deposit though, you don’t get credit for that.

For example, I have 13 pending accounts that just might be waiting for this results post before they go through the process of setting that up with their bank.

For now, I have earned $100 on referrals that are being added to my account.

Not only that, but once you refer two friends (that have fully vested) you are considered an Elle Raiser Ambassador.

The title “ambassador” just tells the world about the leadership role you’ve taken on in the Elle Raiser community: talking the talk, walking the walk by bringing their friends, family, colleagues — fill in the blank — into the movement of supporting women through your investments.

If you didn’t know,  MomAdvice is all about empowering women and I’m proud to be doing exactly what I set out to do over sixteen years ago.

Will I Continue Investing With Ellevest?

YES!  This has been such an easy thing to automate in my life and I’m so proud to be investing in myself.

November ended up being our most profitable month on the site and once that money deposits, I’m moving it right on over to my retirement.

I can’t imagine not investing in myself now.

If you want to start investing in yourself too, here is $20 to get your account started!! Don’t hold me to this, but I noticed they are now giving you $50 to start an account so don’t be surprised if you get a $50 deposit instead!! 

What I Have I Earned So Far With Ellevest?

I have earned $130.22 with Ellevest and an additional $100 through their referral program.

Earnings totaled: $230.32

What Have I Earned So Far With the Passive Mom Income Series (started in October 2019)?

In an effort to be completely transparent with this series, I will share with you what the outcome is each month and how much was earned from a year of dedicating my time to this project. 

Rakuten- $601.47 (read more about this passive income opportunity)

Ellevest- $230.22 (read more about this passive income opportunity)

Total Earned So Far With the Passive Income series- $831.69

See you on the blog tomorrow for our December Passive Income For Moms Challenge!!

This post contains affiliate links. 

Love this post? Here are a few others you might love!

Passive Revenue Ideas for Busy Moms from MomAdvice.com passive revenue ideas for busy moms

Earn Money With Rakuten Cash Back Offers from MomAdvice.com earn money through rakuten cash back

Real Rakuten Results Cash Back Earnings Report from MomAdvice.com do you really earn money with rakuten?

how to invest in yourself with ellevest

Don’t forget to follow along on our Passive Income Challenge series. You can head here to see all the posts in one place. Did you sign up for to invest with Ellevest? What was your experience with this passive income money maker for November?

What I Earned From One Month With Ellevest from MomAdvice.com

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Easy Peppermint Mocha: Starbucks Copycat Recipe

Monday, November 11th, 2019

Easy Peppermint Mocha: Starbucks Copycat Recipe Header

Nothing says the holidays like a Peppermint Mocha. Today I’m sharing how you can make this super easy recipe right at home. There is no need to spend a lot this holiday season, with this copycat Starbucks Peppermint Mocha recipe.

With the holidays just around the corner, the one treat I love to indulge in while doing my holiday shopping is a delicious Peppermint Mocha.

What screams holiday more than a minty cup of coffee topped with whipped cream and crushed candy canes?

I was ordering these year round until they came out with the Salted Caramel Mocha, which seemed to satisfy my out-of-season mocha cravings.

Of course, wouldn’t it be lovely to be able to make these at home and save your money for your Christmas presents this year?

I hit the kitchen to try and whip up a batch of these at home.

Once I had my basic mocha recipe down from my DIY Pumpkin Spice Latte & my DIY Salted Caramel Mocha, it was just a matter of figuring out how to create the peppermint flavor at home out of ingredients I had in my pantry.

Close-Up of a Peppermint Mocha

Easy Peppermint Mocha Tutorial

Here are a few commonly asked questions about making your Peppermint Mochas at home!

What Supplies Do I Need to Make a Peppermint Mocha at Home?

The tools I would recommend are an immersion blender (or small individual blender for drinks or a simple whisk), a saucepan, and a french press or espresso pot (depending on how strong you like to make it).

I like to use a French Press for my lattes, but I also embrace my little stovetop espresso maker when I need that extra bit of caffeine.

How Can I Make a Peppermint Mocha At Home if I Have a Keurig?

I don’t, personally, have a Keurig, but two of my amazing readers shared their tricks to get that coffee shop taste at home with your Keurig.

Lora shared this idea for K-Cups-

“Try one of the dark, strong coffee K-Cups they offer! Jet fuel is one. They do make some nice strong ones you just have to look!”

What a great idea! Take a peek at some of the k-cup options for a diy latte at home.

Another reader, Kim, shared this super smart idea to brew coffee with a completely different type of k-cup.

“If you buy the iced coffee blends for Keurig (I have Nantucket Iced Coffee) and just brew it like a normal cup (not over ice) – it is super strong and works great for these type recipes!”

Another fantastic suggestion! You can shop for iced coffee k-cup options here.

Vertical Image: Easy Peppermint Mocha: Starbucks Copycat Recipe

How Do I Make My Own Peppermint Syrup?

You don’t have to create the peppermint syrup yourself, although it is really easy to do and made from pantry ingredients. 

Simple syrups are just as simple as their name to create.

It is just a matter of dissolving sugar into water, reducing it a bit, and then adding your flavoring of choice for your favorite beverages.

To make this peppermint simple syrup you will need 1 cup sugar, 1 cup water, and 2 teaspoons peppermint extract.

In a small saucepan, bring sugar and water to a boil.

Reduce the heat to medium and stir constantly until sugar is dissolved.

Stir in the peppermint extract.

Cool to room temperature and store in a glass jar in the refrigerator for up to three months.

Once you get this technique down, you can create a variety of coffee drinks and cocktails for the holiday season. This recipe yields enough syrup for 5-7 peppermint mochas at home.

Do You Have Any Peppermint Mocha Topping Suggestions?

I don’t usually top mine, to save on calories, but I do have some ideas on how you can make this festive. A drizzle of dark chocolate, white chocolate, or a simple chocolate syrup is a great to pour over a little whipped cream.

If you are feeling extra festive, try adding some fun holiday sprinkles to really make it festive

How Can I Make This Into a Peppermint Mocha Gift for the Holidays?

How fun would it be to make Peppermint Syrup in a jar as a fun holiday gift with all the supplies?

In a basket add your syrup, a good quality coffee, cocoa powder, a festive mug, and candy canes to stir, along with this recipe.

So easy and a great way to start anyone’s day.

I Don’t Have Time to Make a Homemade Peppermint Syrup. Can I Buy Peppermint Syrup from Starbucks?

Simply call ahead to your favorite Starbucks joint and ask if they have a spare bottle of Peppermint Syrup that you can buy or if they can order it for you, if they happen to be running low.

A bottle runs less than $10 or approximately the cost of two of those coffee drinks that you would buy.

Remember, you can split a bottle with a friend if you don’t picture yourself drinking one all winter long or save it for those Peppermint Mocha Frappes, in the summer months.

If you don’t care if the syrup is from Starbucks, here are some more affordable options!

How Can I Enjoy This If I Don’t Like Coffee?

First of all, how dare you.

Secondly, I have a really simple peppermint hot cocoa recipe that would still satisfy those minty cravings you might be having!

These are every bit as good as Starbucks, but costs a lot less than your coffee shop ones. I hope you will enjoy this recipe as much as you have enjoyed the other coffee creations from our kitchen!

What Our Readers Said About This Peppermint Mocha Recipe:

This is fabulous! Thank you so much for sharing. The first cup I made, I gave to my husband with the disclaimer “I’ve never made this. Don’t expect it to taste just like Starbucks.” (We are obsessed with their peppermint mocha lattes but can’t afford them). Still, his eyes lit up like I had just given him the best gift ever! It’s so delicious. 🙂- Sarah

Fabulous! I used twice as much sugar for the syrup, and twice as much peppermint extract just because i have a sweet tooth and I love a lot of mint flavor. Tried adding it to coffee without the cream, that’s just not the same, not a step i recommend skipping, but whole milk works wonders too. Thank you so much for this recipe. You saved me so much money buying my coffee out or the creamers. You definitely helped make my holiday more festive this year. So happy to read your blog. Merry Christmas!- Liz

Aren’t they the best? I hope you love this recipe as much as they did!

toppings for a peppermint mocha at home

Homemade Peppermint Mocha
Author: 
Recipe type: Drinks
Prep time: 
Cook time: 
Total time: 
Serves: 1 Peppermint Mocha
 
Nothing says the holidays like a Peppermint Mocha. Today I'm sharing how you can make this super easy recipe right at home. NO need to spend a lot this holiday season, with this copycat Starbucks Peppermint Mocha recipe.
Ingredients
  • 1 cup milk, steamed
  • 1 cup very strong coffee (4 tablespoons coffee grounds to 1 cup of hot water, I prepared this in my French Press, but you can brew a strong drip pot if you prefer)
  • 1 tablespoon cocoa powder
  • 2 tablespoons of sugar
  • 2-3 tablespoons peppermint syrup (read the post for the directions on how to make this)
  • Whipped cream (optional)
  • Chocolate Syrup (optional)
  • Crushed Peppermints (optional)
Instructions
  1. Directions:
  2. Prepare your hot water in your tea kettle.
  3. Add four tablespoons of your favorite coffee grounds to your French Press.
  4. Pour 1 cup of hot water over them and allow the coffee to steep for four minutes while you prepare the other ingredients.
  5. In a pot, heat up one cup of milk until it is steaming.
  6. Froth the milk with a wire whisk or an immersion blender until it is nice and foamy.
  7. In your coffee cup, mix together the prepared coffee, cocoa powder, sugar, and peppermint coffee syrup until the sugar and cocoa powder are dissolved and there are no lumps.
  8. Pour the milk foam over the top of the coffee/mocha mixture and stir to incorporate.
  9. Top with whipped cream, a generous drizzle of chocolate syrup, and crushed peppermints.

 

Love this recipe? Here are a few others you might like!

Salted Caramel Mocha Latte Recipe from MomAdvice.com salted caramel mocha latte recipe

As an Amazon Associate I earn from qualifying purchases.

Looking for more great drink recipes? Here are a few others we think you will love this fall!

How to Make a Pumpkin Spice Latte from MomAdvice.com homemade pumpkin spice latte

DIY Your Own Chai Tea Mix from MomAdvice.com homemade vanilla chai mix recipe (an easy diy for the pantry!)

How to Make a Gingerbread Latte from MomAdvice.com how to make a gingerbread latte

How to Cold Brew Coffee from MomAdvice.com how to cold brew coffee at home

Amy's Famous Cocoa Mix Amy’s Famous Hot Cocoa Mix

Peppermint Cocoa Recipe from MomAdvice.com peppermint cocoa recipe

Homemade Peppermint Marshmallows from MomAdvice.com homemade peppermint marshmallows

Chocolate Coffee Spoons from MomAdvice.com chocolate coffee spoons (perfect for upping that mocha taste with a chocolate sauce!!)

Do you have any suggestions to improve on this DIY Peppermint Mocha?

Be sure to leave them in the comments below!

Easy Peppermint Mocha: Starbucks Copycat Recipe

 

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How to Make a Pumpkin Spice Latte

Monday, October 28th, 2019

How to Make a Pumpkin Spice Latte from MomAdvice.com

It is so easy to make your pumpkin spice lattes at home. Today’s coffee drink is made with real pumpkin purée, your favorite milk, with a sprinkle of pumpkin pie spice, and coffee. You won’t believe how easy it is to diy this expensive treat at home. Check out this pumpkin spice latte recipe today and SO many more diy Starbucks drink recipes.

Fall, for me, is Pumpkin Spice Latte season and that’s why I love sharing my favorite DIY Pumpkin Spice Latte recipe with you. Not only do you get to have full control over the sugar and fat content, you also get to save a few dollars in your pocket too.

Have you ever thought about what might actually be going into your pumpkin spice latte? Here is what I discovered, when researching for this recipe…

For a long time, Starbucks did not have pumpkin in their pumpkin spice lattes!

Say what?

Don’t worry, you get your pumpkin spice latte full of real pumpkin now, but it was one of those interesting facts that I stumbled on while preparing today’s post.

How Does Starbucks Get the Pumpkin Flavor In Your Lattes?

Did you know that up until about 2015, the PSL didn’t have any actual pumpkin in it?

Originally, they relied upon an artificial caramel coloring and a mix of spices to create these drinks. 

That’s why it was such a big deal when Starbucks announced that they were getting rid of the caramel syrup and relying on a little pumpkin instead.

It is good to know that when you order this treat that you can look forward to these delicious real ingredients in your cup.

How to Make a Pumpkin Spice Latte from MomAdvice.com

Why Should I Make a Starbucks Drink at Home if It Doesn’t Contain Artificial Ingredients Anymore?

Honestly, for the cost-savings.  As we all know, the cost to buy drinks from Starbucks REALLY adds up.

Have you heard of the latte factor?

This outlines PERFECTLY how these tiny expenses multiply over time.

Let’s look at the cost on a Starbucks Pumpkin Spice Latte!

Price will vary by location, but hovers in the $4.45- $5.45 range for a tall.

Even if you only buy a tall latte once a week (as a treat yo’self day!!), this will cost you $17.80 a month or $213.60 a year.

This also doesn’t factor in the tip for the barista, which is SUPER important (just ask my brother who worked there!) or if you need to use an alternative milk, like coconut or almond.

I don’t know about you, but I’d rather put $213 to work by investing it in women-owned businesses and saving it up for my retirement fund.

In addition to the cost factor, there is also the huge difference in  fat and sugar in each of these of these delicious beverages.

A grande is 380 calories (120 of these are fat calories) and an unbelievable 50 grams of sugar.

This is why it is so great to make this treat at home. When you make these Starbucks copycat drinks at home, you have more control over the sugar, the milk mixture used, and the strength of the espresso or coffee. 

Heck, who even said that these need to be caffeinated? Try a decaffeinated pumpkin spice latte so you can enjoy it later in the day because YOU CAN AFFORD IT NOW.

This is why I developed my own recipe to share with you today. 

This Pumpkin Spice Latte relies on strongly brewed coffee, canned pumpkin, pumpkin pie spice, milk (I love almond!), vanilla, and a fraction of the sugar.

What Type of Pumpkin Do I Use For My Pumpkin Spice Latte- I Get Confused at the Grocery Store?

One of the biggest mistakes I made, when first starting to cook with pumpkin, is picking up the wrong type of pumpkin at the grocery store. If you see a can that says, “Pumpkin Pie Mix,” (it looks like this), you do not want this type of pumpkin for your pumpkin spice latte.

Pumpkin Pie Mix is intended to just be mixed with milk and eggs to create pumpkin pies really fast. Lucky for you, you don’t need anything like that because you have this recipe in your back pocket.

Instead, you are looking for canned pumpkin (that will look like this) because it is ONLY pumpkin and allows you to add in your own sugar and spices to create your dishes. 

As you can see, the labels are almost identical and this can really throw people off when they are shopping for their recipes. 

How to Make a Pumpkin Spice Latte from MomAdvice.com

What Supplies Do I Need to Make a Pumpkin Spice Latte at Home?

The tools I would recommend are an immersion blender (or small individual blender for drinks or a simple whisk), a saucepan, and a french press or espresso pot (depending on how strong you like to make it).

I like to use a French Press for my lattes, but I also embrace my little stovetop espresso maker when I need that extra bit of caffeine.

How Can I Make a Pumpkin Spice Latte At Home if I Have a Keurig?

I don’t, personally, have a Keurig, but two of my amazing readers shared their tricks to get that coffee shop taste at home with your Keurig.

Lora said, “Try one of the dark, strong coffee K-Cups they offer! Jet fuel is one. They do make some nice strong ones you just have to look!”

What a great idea! Take a peek at some of the k-cup options for a diy latte at home.

Another reader, Kim, shared this super smart idea to brew coffee with a completely different type of k-cup.

Kim said, “If you buy the iced coffee blends for Keurig (I have Nantucket Iced Coffee) and just brew it like a normal cup (not over ice) – it is super strong and works great for these type recipes!”

Another fantastic suggestion! You can shop for iced coffee k-cup options here.

Do You Have Any Pumpkin Spice Latte Topping Suggestions?

I try to skip these (because of the sugar and calories), but I would HIGHLY recommend this fun spiced whipped cream as a finisher and an extra dusting of cinnamon.

How to Make a Pumpkin Spice Latte

What Other Ways Can I Spice Up My Latte Routine?

Here are the best suggestions from our reader comments!

“Something that I have been doing for the past week that creates a DELICIOUS cinnamon flavor is to make cinnamon water to brew your coffee with. Take a large jar or container. Fill it with filtered water and throw in a cinnamon stick or 2 (depending on size). Let it sit for a whole day. The next morning use that water to make your coffee and it is to die for! Would be a great addition to this drink, especially those who have texture issues! Cheers!”- Liz

“I’ve made this at least a half dozen times now…YUM!! Thanks for sharing. I reduced the sugar and with the last two I’ve made, I’ve cut the cinnamon stick in half to make ’em stretch a little, but those are the only changes I’ve made. Thanks again! LOVE the recipe and all the money I’m saving”- Sara

I love hearing how much you enjoy these homemade Starbucks treats! I also REALLY love that this is a great way to put a partial can of pumpkin to work!

A batch of this simmering away on your stove will bring the scent of the Fall season right into the room.

This milky coffee treat tastes just like a little pumpkin pie with a hint of warm spices throughout. Top it with whipped cream and a sprinkle of cinnamon to round out these beautiful flavors.

By making this at home, it is one homemade treat you can enjoy guilt-free as often as you like!

Be sure to scroll down after the recipe to get even more warm drink ideas and good old Starbucks Knock-Off Recipes.

Remember, this is just a base recipe that can be played with to your own tastes and preferences. It is meant to be personalized depending on how you like your latte!

Thank you all for trying and sharing this recipe!

The response has been overwhelming on this one and I love it.

I can’t wait to hear what you think of today’s recipe!

How to Make a Pumpkin Spice Latte

How to Make a Pumpkin Spice Latte
Author: 
Recipe type: Drinks
Prep time: 
Cook time: 
Total time: 
Serves: 2 servings
 
It is so easy to make your pumpkin spice lattes at home. Today's coffee drink is made with real pumpkin purée, your favorite milk, with a sprinkle of pumpkin pie spice, and coffee. You won't believe how easy it is to diy this expensive treat at home. Check out this pumpkin spice latte recipe today!
Ingredients
  • 2 cups milk of your choice (almond, rice, coconut, whole, skim, 2%)
  • 1 cup very strong coffee (4 tablespoons coffee grounds to 1 cup of hot water)
  • 2 tablespoons vanilla
  • 4 teaspoons sugar
  • ½ teaspoon pumpkin pie spice or cinnamon spice
  • 2 heaping spoonfuls of pumpkin
Instructions
  1. Pour the milk, pumpkin puree, sugar, strong coffee, vanilla extract, and spiced pumpkin seasonings into a saucepan.
  2. Heat saucepan over medium heat until the coffee is steaming hot, whisking with a wire whisk until the ingredients are incorporated and a little frothy. If you have an immersion blender or single-serve blender, you would just blend these until your homemade pumpkin spice latte is frothy.
  3. Pour into mugs and top with fresh whipped cream & cinnamon. Enjoy!
  4. Note- If you are not a fan of the cinnamon texture, add a cinnamon stick to the coffee mixture while heating instead. This way you get all of the cinnamon taste, but none of the grit! Visit our reader suggestions for more great ideas!

 

Love this recipe? Here are a few more that I think you should check out!

How to Make a Salted Caramel Latte from MomAdvie.com how to make a salted caramel latte

How to Make a Peppermint Mocha from MomAdvice.com how to make a peppermint mocha

DIY Your Own Chai Tea Mix from MomAdvice.com homemade vanilla chai mix recipe (an easy diy for the pantry!)

How to Make a Gingerbread Latte from MomAdvice.com how to make a gingerbread latte

How to Cold Brew Coffee from MomAdvice.com how to cold brew coffee at home

Amy's Famous Cocoa Mix Amy’s Famous Hot Cocoa Mix

Peppermint Cocoa Recipe from MomAdvice.com peppermint cocoa recipe

Homemade Peppermint Marshmallows from MomAdvice.com homemade peppermint marshmallows

Chocolate Coffee Spoons from MomAdvice.com chocolate coffee spoons

Do you have any suggestions to improve on this DIY Pumpkin Spice Latte recipe? Be sure to leave them in the comments below!

This post contains affiliate links

How to Make a Pumpkin Spice Latte from MomAdvice.com

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Earn Money Investing in Women With Ellevest

Thursday, October 24th, 2019

Earn Money Investing In Women With Ellevest

 

Are you looking for easy ways to earn extra cash for your family? Today I’m sharing how easy it is to invest in YOU with an incredible robo advisor tool. Ellevest is committed to helping you achieve your financial goals by investing in yourself and in women-owned businesses. 

This is the second challenge in our Passive Income for Busy Moms series. Be sure to visit our Passive Income Ideas for Moms Series all year long as I challenge myself to find new ways to earn money for our family.

Does the idea of investing in yourself feel intimidating?

You aren’t alone.

I have always been intimidated by this process and, honestly, have never invested in my own retirement.  Although we have been aggressively putting money away in my husband’s retirement account, I started thinking about how nice it would be to take some of my own salary and start investing in myself.

The thing is… where do you even start?

I spent weeks and weeks researching different companies, reading reviews, and watching interviews with representatives from different investment companies. It is through that research that I stumbled on the most incredible investment company that makes it UNBELIEVABLY easy to start investing in all of your financial goals.

Honestly, I am so  excited about this and can’t believe how sleekly automated and easy this tool is.

First of all, are you unfamiliar with how robo-advisors work?

I know I was!

I will walk you through everything I have learned this month and even share $20 to start investing in YOU today!

Also, for the record, this is a REAL review of Ellevest based on my first month with them. Many of the reviews I read NEVER had a REAL PERSON using Ellevest for investing- they just seemed to be in it for affiliate money.

Anything I share with you, through this series, are things that I’m exploring right along with you. It is my promise to you.

Earn Money With Ellevest

Earn Money Investing in Women With Ellevest

What The Heck is a Robo Advisor?

Robo advisors (also known as automated investing services or online advisors) use computer algorithms and advanced software to create an investment portfolio for you. They are referred to as robo because this is mostly an automated process that requires little to no human interaction.

This is a really great way to get started with entry-level investing because everything is done automatically for you and you don’t have to spend a lot of time babysitting your portfolio.

These robo-advisor tools can vary based upon their platform that they offer and what the goals of your portfolio are.

The reason I settled on Ellevest is because it is a goal-oriented program (something I find very attractive!), it is user-friendly, and their impact portfolios are pretty darn awesome.

What is Ellevest And Why Did You Pick It?

(Head HERE if you just want your $20 for your free Ellevest account!!)

As I explained, I did a ton of research and spent many nights reading article after article on different investment tools. The idea behind this series was that it would be easy to implement and that it wouldn’t require a ton of time for a busy mom.

It is through this research that I stumbled upon this interview with Sallie Krawcheck on The Daily Show.

I really encourage you to take the time to watch it because it does a much better job than I ever could on just how important it is to support women in business and why this company is pretty groundbreaking.

As you can see, this lady is a real bada$$ and wants to do a better job representing women in the financial industry. This approach to simplify investing makes long term goals simple and straightforward.

From the Ellevest site, “Co-founder and CEO, Sallie Krawcheck, realized the investing industry has been, frankly, “by men, for men” — and has historically kept women from achieving their financial goals. Sallie has made it her life’s mission to unleash women’s financial power and get them invested in their biggest goals.”

How Much Money Do I Need to Open an Ellevest Account?

Honestly, you can open an account and invest zero dollars.

Of course, that’s how many you will make back too.

In all seriousness, you determine how much you want to invest to start and then Ellevest offers up how much you should regularly be depositing to reach your goals, within your desired timespan.

They also understand that women also need other types of shorter term or once-in-a-lifetime type of investments. They create this investment plan and then offer options for other goals based accounts.

Some of the offerings are funds to start a business, once-in-a-lifetime splurges, retirement, kids, buying a home, and emergency funds.

How Does Ellevest Determine My Investment Goals & Strategies?

Ellevest uses a algorithm to calculate financial goal targets to meet your specific needs, including a larger retirement target amount for your potentially longer lifespan (ladies, we need to save MORE because of that!).

Did you know that women retire with two-thirds as much money men do, but we live six to eight years longer?!

These are the circumstances that are factored in with a company that understands women.

Once they have calculated the amount you should aim for, they suggest how much you should contribute in order to get there based on your financial profile, a gender-specific salary curve, and your target horizon.

This is processed through a Monte Carlo simulation.

What the heck is Monte Carlo simulation?

My thoughts exactly.

Monte Carlo simulation is a forward-looking, computer-based analysis in which they run recommended portfolios and savings rates through hundreds of different economic scenarios, to pick the best one for you.

Earn Money Supporting Women With Ellevest

How Is Ellevest Supporting Women?

Is it just me, or are you as jaded as I am when people make broad claims about how they support women?

In this case, they REALLY do.

A lot of people love to aim products towards women, but really don’t stand behind that message.

This is where my real love for the company is…they tailor a portfolio that helps YOU support WOMEN IN BUSINESS! 

Is that not the coolest?

They settled on three criteria of support that I think are really amazing (not to mention hiring female investors to work on your accounts):

WOMEN IN LEADERSHIP

Funds investing in companies with more women leaders and policies that advance women.

SUSTAINABLE, ACCOUNTABLE COMPANIES

Funds investing in companies working to meet  for sustainability and ethical practices.

COMMUNITY DEVELOPMENT

Funds providing loans to support women-owned businesses and companies that provide community services – child education, performing arts, and housing and care for seniors and individuals in need.

How Hard is It to Create An Account?

This was incredibly easy to set up and it all made sense to me because of its goal driven platform.

They use a tool, that my hubby immediately recognized as a TypeForm template, that I found very easy to use.

How to Set Goals With Ellevest

You answer some really basic questions, like in the screenshot above, and that helps you see how much you need to put away each month to reach your goals.

Ellevest Real Review

Once it has this information, you can set up how much you want to start putting away into your accounts automatically.

Just like a withdrawal you would have for a bill, this takes out the payments you set up monthly.

You can also add additional money into your account and there is no minimum balance.

If you earned money from one of the other passive income ideas I’m sharing, for example, you could put this unexpected money away for yourself to earn a little more.

How Much Does Ellevest Cost?

This tool is much cheaper than hiring a financial advisor because more personalized services can charge you a whopping 1% annually.

With Ellevest, your annual management fee is .25%.

If you saved $5,000, for example, you would pay $12.50 for the entire year. 

They do offer a more expensive premium account that allows you to receive coaching and some other benefits.

For that account though, you need a minimum private wealth investment of $50,000.

Is Investing Money With Ellevest Risky?

Investing does come with risks and it is important to understand what those risks are.

I found this article to be very helpful in explaining what risks might be involved.

Why Did You Start This a Month Before Me?

With something like investing, I thought it was important to do the entire process so that I could be honest about how easy or hard it is. I put in $2,000 into a wealth-building account.

Real Ellevest Earnings

This is my current status for potential earnings!

Of course, investing is a long haul game, but it is fun to see that needle shifting in my favor a bit.

Should I Be Investing If I’m Worried About a Recession?

Some experts are saying that a financial recession is looming.

Here’s the thing, I am going with these opinions and agreeing with the experts on this one. I do believe we will be facing another recession soon.

I think this is a valid concern and something that we all should be thinking about as we make choices with our money.

The most important thing you can do is to prepare an emergency safety net so that you can weather the economic changes.

The second most important thing?

 Pay off your highest interest debts NOW. 

If you need another gentle nudge, you might enjoy my book! (I’m pretty proud of it!)

I think this article does a really great job at explaining how to invest if you are worried about another recession.

The biggest thing I am learning from wealth-building is that it is REALLY important to keep things diversified.

Never put your eggs into one basket.

Earn Money Supporting Women With Ellevest

Join My November Passive Income Challenge

If you think you would like to start investing in yourself, here is $20 to put towards your account.

Ellevest gives their customers an invitation code (that’s what I’m sharing) so they can put $20 in their account and they also give the referrer $20 for sharing about the service.

Your challenge is to set up an account and invest in yourself. If you only have $5 a month, that is $5 more towards reaching a financial goal FOR YOU.

Start brainstorming with your family about what would benefit you the most right now.

Putting your savings and investments on automatic makes it easier to stay on track with your financial goals.

Please note, this Ellevest affiliate program is not associated with being a blogger.

Each customer receives a unique code so if you love it as much as me, you can share your own code with your friends and start putting away MORE money in your account.

Also, let it be known, although I love the focus on women, men are more than welcome to invest too.

If your guy is as awesome as mine, he will love putting his money towards companies that are helping women level the financial playing field.

Love this post? Here are a few others that I think you might love too!

Passive Revenue Ideas for Busy Moms from MomAdvice.com passive revenue ideas for busy moms

Earn Money With Rakuten Cash Back Offers from MomAdvice.com earn money through rakuten cash back

Real Rakuten Results Cash Back Earnings Report from MomAdvice.com do you really earn money with rakuten?

I’d love to hear what has been your experience with Ellevest or with using a robo-advisor for your investments? How do you make investing in yourself and your retirement a priority?

this post contains affiliate links

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What I Earned From One Month Using the Rakuten App

Wednesday, October 23rd, 2019

 

Real Rakuten Results Cash Back Earnings Report from MomAdvice.com

Are you looking for an easy way to earn cash back or even double cash back on your purchases? Today I’m sharing what I really earned through the Rakuten app as we explore passive income money making opportunities for moms. Be sure to visit our Passive Income Ideas for Moms Series all year long as I challenge myself to find new ways to earn money for our family.

I can’t believe all of the enthusiasm and excitement for this new Passive Income Ideas for Moms series that I have started. It has meant so much to me to have your support and have you join me in these challenges. It’s also such a joy to have some of our older readers back now that I’m exploring another frugality series. 

I am so happy to have you here and helping you explore new ways to make money for your family.

If you are new to the series, I am challenging myself to find new ways to make money for our family and taking you on the journey with me. I started with learning about the Rakuten app and shared how you could use this too as you were shopping.

Now that I have the first month under my belt, I’m sharing what I thought about my month with this app.

What I Earned From One Month Using the Rakuten App

Real Rakuten Cash Back Results

What is Rakuten?

Rakuten (formerly Ebates) is a site (and app) that gives you cash back on on qualifying purchases. If you didn’t join me last month, simply use this referral link to receive your first $10 to shop with and to get began earning your own cash back rewards.

Rakuten is headquartered in Tokyo and is a a Japanese electronic commerce and online retailing company. The company handles a lot of different types of services like Rakuten Kobo Ebooks, Rakuten Credit Cards, Rakuten Super Points (which include member rewards), Rakuten Viber, and so much more.

Oh, and in case you didn’t know how to say the name of this service company, the Rakuten marketing team handled that with this clever commercial.

Spoiler alert: I was saying it the WRONG WAY all month long.

Was It Easy to Earn Money Through Rakuten?

Although I had been with Ebates (years ago!), I had completely forgotten to use this for my purchases. Downloading the app was super easy and it was also very easy to install the extension that allowed me to see what the cash back rewards were as well as any coupons that might be available for my purchases.

What Was the Outcome of the Cash Back Rewards?

Although I had planned to make a few purchases for the exterior of our home, we ended up doing some unexpected travel and that meant that no one was here to purchase or install these items. I have a feeling these next few months will be much more rewarding because of these home purchases as well as our upcoming holiday gifts we will be buying.

I am not a big spender so the results on the cash back rewards matched my spending habits.

Here are some creative cash back rewards though that I did receive:

Rakuten Real Results

We Got Cash Back on Our Food Delivery– Rakuten gives you cash rewards for shopping through DoorDash so I used the app for our family’s sushi delivery. Since I was a new customer, I was able to have the delivery fee waived, had a great coupon code, and also got $2.67 back on our dinner delivery.

I Got Cash Back on Our Day Pass to Great Wolf Lodge– $2.25 was deposited in my Rakuten account after snagging day passes for us to hit the water park over our fall break.

I Got Cash Back on my Old Navy Purchase– I ordered a few sweaters, for fall, and ended up getting $1.85 back on my purchase.

I Also Have Cash Back Pending on Travel Expenses- Since Rakuten was affiliated with Expedia, I booked my airline ticket through them so I could get the cash rewards. I also secured a Groupon, that is in processing, so I’m waiting for those pending charges to go through.

Airline tickets, for example, take six weeks to process so you don’t see immediate results.

As you can see, it was not an exciting month of purchases, BUT the point was to earn money on things I was already buying and not buy things just to buy things.

Overall, the total earned through my shopping was a mere $6.77.

If you are a big shopper, the potential for rewards would be much greater.

I have now trained myself to do targeted shopping and to check for double cash back rewards. 

It only takes a minute, but it is more money back in my pocket by being strategic with this app.

Rakuten Affiliate Results

Did You *REALLY* Earn Money on Referrals Through Rakuten?

I am really surprised that Rakuten does not have a cap on how many referrals you can cash in on. I know most of you were already signed up with this company so I didn’t think this was going to be a big earner.

It’s important to know that you don’t actually earn the referral cash unless the person spends $25 using the app. I had a lot of people sign up, but many who have not made their first purchase (21 pending referrals are still not activated). These just stay in a holding pattern until they make their first $25 purchase.

I still ended up referring 11 new people to the shopping app who actually made their qualifying $25 purchase. This yielded a $275 profit in my account that will be applied to my next big fat check.

I did share that I understand that I have an unfair advantage with this because of the website referrals. Even if I didn’t though, I can see how sharing your referral link, especially as people begin holiday shopping, can yield holiday cash for anyone. They offer easy ways to share on Facebook, text, and email. 

While many affiliate programs are limited to bloggers, I love that this one is open to anyone who wants to share and that is a very high return on sharing a link on social media.

Rakuten App Screen

Will You Continue Using Rakuten For Shopping?

These are one month explorations because I may or may not feel like these efforts are worth it.

With this one, I actually do plan to make this a regular part of my spending routines. It was so darn easy to use and I loved their easy way of finding additional coupons for my purchases.

It wasn’t completely seamless because two of my purchases didn’t go through and I thought I wouldn’t receive my cash back credit.

I emailed the help desk a copy of my receipts and the deposit was quickly processed.

Overall, I’m really impressed with the customer service and the ease of the app.

I also realized that I had pending cash (from 2008!!!) that they still had in their system to credit me. That means that my actual check is $321.77, but isn’t actually reflective of my October earnings.

Grand Total Earnings for October: $281.77

NOT. TOO. SHABBY.

I will continue to keep you updated on totals as we go through this year.

Tomorrow I will be sharing with you a bigger November challenge that might get you thinking about how you are investing in yourself. I’m a month ahead of you, this time, so I can make sure that I could fully check out this next passive income builder for you and make sure it is worth your time.

See you on the blog tomorrow for our November Passive Income For Moms Challenge!!

Don’t forget to follow along on our Passive Income Challenge series. You can head here to see all the posts in one place. Did you sign up for Rakuten or start using it again for cash back rewards? What was your experience with this passive income money maker for October?

This post contains affiliate links. 

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Earn Money Through Rakuten Cash Back Offers

Sunday, September 22nd, 2019

Earn Money With Rakuten Cash Back Offers from MomAdvice.com

Are you looking for an easy way to earn cash back or even double cash back on your purchases? Today you will learn how Rakuten can save you money online and at your favorite brick and mortar stores. Join me for the first post in our Passive Income Ideas for Moms Series.

Have you heard of Rakuten before? Rakuten (formerly Ebates) is a site that gives you cashback on on qualifying purchases. Simply use this referral link to receive your first $10 to shop with and to get began earning your own cash back rewards.

How Do I Get Started With Rakuten?

Begin by adding the Rakuten extension to your computer and also downloading the Rakuten app to your phone. These two quick installations will make it so much easier to remember to use this tool when doing your shopping.

Be sure to completely fill out your Rakuten profile and either supply your shipping address for checks or PayPal account information to have your earnings directly deposited in your account.

Once you have your Rakuten account set-up, take a few minutes to browse the site and begin adding shops to your personal favorites list. Keep in mind, Rakuten has over 2,500 shops (!!!) so it might take a little bit to add all of your favorites to your own personal list.

If in doubt, your cash back button can let you know if they offer a reward or not.

 

Your list may look similar to mine (see above) so here are some examples of the shops I have added to my Favorite Shops list!

Old Navy
Amazon
LOFT
Brandless
Grove Collaborative
Walmart
Target
Anthropologie
Gap
Banana Republic
eBay
The Vitamin Shoppe
Groupon
Orbitz
Travelocity
Dollar Shave Club
Florists.com

How Does It Work?

The purpose of these passive income monthly challenges is meant to encourage you to EARN money and not SPEND it. I encourage you to use this as a tool only for purchases you were already planning to make this month.

Earn Money Through Rakuten Cash Back Rewards from MomAdvice.com

If you are online shopping, click the store you want to shop and make sure that you have your cash back button activated. Alternatively, you can shop directly by visiting the Rakuten page itself.

Click, “Activate Rewards,” and then be sure to note any coupon codes that they also provide within the pop-up.

That’s right. You CAN layer coupon codes with your cash back rewards!

How cool is that?

Once the store has let Rakuten know that you have completed your purchase, they add and notify you of the new rewards in your account. Please note, this does sometimes take up to a few days to show up in your account. Don’t worry!

Every three months, they will send you the Cash Back you’ve earned via a Big Fat Check or the PayPal account you supplied. If you have been dependent on points for rewards before, you are going to love this strategy for making real money instead!

Earn Money With the Rakuten Cash Back Offers from MomAdvice.com

How Do I Take Advantage of Rakuten Cashback Rewards at Brick & Mortar Stores?

Do you prefer shopping the old-fashioned way? You can still take advantage of the Rakuten Cashback rewards at your favorite brick and mortar stores. Since you downloaded the app already, you are halfway there to that bonus money in your pocket.

Click on the In-Store Cashback Offers link and and on the store offer you would like to take advantage of. You will then link the offer to the card you plan to use when you do your shopping.

Once the card is saved, this will allow Rakuten to track the finalization of the purchase and add your cashback rewards to your account.

Earn Money With Rakuten Cash Back Offers from MomAdvice.com

How Can I Make Extra Money for My Family With Rakuten?

I want to make the most rakuten cash that I can this month so here are some things I’m planning to do to increase my balance.

Book Our Vacations & Travel Through the Rakuten App– I am attending a conference next month and never realized that they offered cash back rewards on things like car rentals, flights, hotels, and even Groupon deals. I have to book my flight anyway so I might as well make 5-6% back on my my travel expenses.

Earn Money Through the Rakuten Cash Back Offers from MomAdvice.com

Watch the Double Cash Back Stores Listing For Gifts- As we ramp up for the next round of holiday shopping, I am going to make their list of double cash back rewards a priority to shop through. If I double my earnings, that will allow me to collect my cash back quicker.

I typically purchase floral arrangements for family holidays and now I know that one of their cash back shops offers a whopping 17% back on your purchase. It will also be a good place to check if I do any subscription box services as gifts this year. Birch Box, for example, makes 7.5% back!

Purchase School Supplies & Uniforms Through Rakuten- School uniforms can be a big expense each year so it is a no-brainer that this app is the way to go to get a little of our cash back on our purchases. While I did get my kids their summer shirts, I will still need to load up on their warmer uniform apparel and winter coats.

Make Some Household Expenses Through Rakuten- There are lots of things we have to buy for our household that could be earning us some cash back rewards. Some of our regular purchases include air filters, light bulbs, toiletry items, pet supplies, ink cartridges for our printer, contacts, glasses, vitamins, and supplements. All of these can now be seen as avenues for cash back into our wallets!

If I’m printing any photos or doing holiday cards this year, I do plan to check here first before making any decisions.

We also happen to be making improvements to our home’s exterior so I will be visiting their list of shops (like Lowes & Overstock) for discounts on my new shutters and outdoor lights.

The Lucrative Refer a Friend Program- Did you know that for every referral you send to Rakuten you make $25? Each of your friends will receive $10 and you will receive the $25 just for sharing about this smart shopping app.

Obviously, being a blogger does have referral advantages, but I bet you have people in your life who don’t know how much they could be earning too. Share your referral link with them via email or through your Facebook wall.

Are you part of any Facebook groups that offer space for referral sharing? Several of the Facebook groups I am part of, for example, have a designated share thread where you can refer people to things you are loving weekly.

Keep in mind, Rakuten does offer a credit card with additional rewards, if you are looking for more money back too. The potential for stacking all of this is pretty incredible.

Passive Revenue Ideas for Busy Moms from MomAdvice.com

Join My October Passive Income Challenge

For the month of October, I am going to be purposeful with using the Rakuten app to see how much we can earn.

Would you like to take the challenge too?

I would love to have you!

In November, I will report back what I learned through this experience and how much passive income I earned.

I’d love to hear what your experience has been with Rakuten! Have you earned money from this passive income avenue before? Do you have any tips for shopping to share with our readers? I’d love to hear them!

this post contains affiliate links

Earn Money With Rakuten Cash Back Offers from MomAdvice.com

Passive Income Ideas for Busy Moms

Sunday, September 22nd, 2019

Passive Revenue Ideas for Busy Moms from MomAdvice.com

What if I told you that you could be earning thousands by learning about passive income streams? This year we are exploring the best side hustles to help you earn money for a better financial future. Be sure to bookmark this page to learn ways I’m making extra money for my family. 

Many years ago, I was featured on a couple of talk shows to chat about my experience with work-at-home scams. I just couldn’t believe my luck. This broke Midwest woman would be ON TV to teach others how to avoid scams.

Here’s the thing.

I thought that I was going to be the EXPERT.

When the segment began, I quickly realized that I was the work-at-home VICTIM instead.

I Want To Help You Because I Was Scammed

The truth was, I had been a victim of a work-at-home scam and I was really ashamed of it.

When I was a brand new mom , I desperately wanted to find a way to stay home with my kids. This desperation is why I signed up for a UPS & Federal Express refund software software program. With this purchase, I was promised dozens of dollars. I was so excited to get my business started and unlock this secret wealth with only $69 of software!

Frankly, I was surprised no one else had discovered it.

I was sold a software packaged that claimed to track packages to see if they were late for delivery or not.

Did you know that if a package arrives late for delivery, that you are entitled for a full refund?

According to the software company, many businesses send out large shipments, but don’t ever track their packages.

All I had to do was call, on behalf of my clientele, and they would receive a fifty percent refund.

The other fifty percent would go in your pocket for your good detective work.

Obviously, these people will agree to this because this is money that they wouldn’t have had otherwise.

Did you not know that you can make $50-75 an hour from the comfort of your own home just by tracking packages?

Doesn’t that sound wonderful?

First of all, neither Federal Express nor UPS is affiliated with any of these software programs.

Secondly, they also had every right to refuse the refund to you. After all, you were just a third-party who did not pay for the shipping in the first place.

UPS online tracking system can only be used by the sender of the package or by the recipient, making my software absolutely worthless.

This tracking software could not be for someone’s commercial gain unless UPS openly authorized it. To top it off, UPS prohibits any uses of automated software to access its online shipping-related systems.

Therefore, the software you would be using would be deemed illegal.

I had also been under the assumption that the company would provide a list of people to contact to make this magical money.

What they actually did was provide was a list of categories of businesses to target, like the health industry or retail.

Then, apparently, you just sit back and watch people chomping at the bit to get this amazing service.

Who in the world would ever give out any of this private tracking information on their packages to a complete stranger though?

The answer to that, of course, would be no one in their right mind.

This was my embarrassing story for the world and I’m so thankful I can tell a different one now.

Passive Income Ideas for Busy Moms from MomAdvice.com

Passive Income for Busy Moms Series

If you haven’t read my book, you might not be aware that our family became riddled with debt after the dot com bomb happened. My husband’s job loss found us deep in debt and struggling to even pay for our groceries. You can read a little more about our story in this feature in Redbook!

Financial struggles, honestly, ended up being the hardest and best thing that I could have been given.

Although being broke was so damn difficult it ended up strengthening our marriage and providing a new job for me.

During that challenging chapter, I tried so many crazy things to make our family money. In the true height of my hustling days, I filled out surveys, working to accumulate points through purchases, and even mystery shopped.

Now that we are in a much better place financially, I am looking ahead to new opportunities to save for our retirement. It is also why I’m, personally, taking a deep dive into wealth building.

What fun is it to do this alone when we could do this together though?

Of course, a savvier business woman would make you buy an online course or spend time writing a book. The thing is, I’m a big fan of the blog format and think this would be such a fun exploration.

If you are saving for retirement, not making enough working full-time, or just a single mom who is responsible for two incomes (NO BIGGIE! YEAH, RIGHT!)… I want to help you.

Please keep in mind, I plan to offer realistic strategies. As a working mom, I am already to capacity with how much I can take on my plate so I understand how important it is to not sacrifice a lot more time for money.

Whatever amount of money you are after, I am hoping to provide some new ways to make money for your family.

How Will the Passive Income for Busy Moms Series Work?

Each month I will share one way you can make money for your family through a variety of avenues. These posts will encourage you to explore creative ways to make money that you may not have thought of.

I will be signing up for these programs (or as much as we can that is applicable to our family) and sharing my results after one month.

If you are interested, you can sign up for these programs too and we can share how we all did in each segment.

NO PRESSURE THOUGH!

Here’s the thing… if there is one thing I have learned from making money through my blog, it is that you should NEVER put all your eggs in one basket.

I am using that same strategy this year to build passive wealth.

In a year, I will share how much I accumulated through these passive income streams and what I learned from the experience.

Is This Only for Blogging or Podcasting Moms?

No, this series is for everyone. I do plan to share though about how I make passive income through affiliate marketing and affiliate links in one post, for my blogging/podcast pals. I do personally know that blogging can be an incredible avenue to financial freedom. That is how we broke free from our debt-ridden lives.

I started my blog many years ago though and now it seems SO much harder to build a loyal audience. I am not saying that you can’t have instant blogging success, but I do think it takes time!

What Do I Get Out of It?

We have TWO teenagers that we hope to be able to help financially with some of their college expenses. We also are working hard to save for our own retirement and know that we need to learn new ways to save to reach those goals.

These blog posts are going to hold me accountable to try all avenues to wealth building and share this with you.

While extra money is incredible, I am even more thankful that we can spread the wealth around and bless others with it. We try to do as much as we can to assist others while still keeping our financial safety net in place.

As a blogger, I do make commissions if you sign up or purchase anything through my links. You don’t have to do that, but it won’t cost you anything to use them.

Although it might be taboo to talk about, running this website is a huge expense for our family. There are lots of expenses that go into website ownership: paying to mail newsletters, web hosting, graphic design tools, photography tools, courses, food/craft supplies, and social media scheduling tools… just to name a few!

Running this site (a gift- I promise I’m not complaining!) costs our family thousands and thousands of dollars every year.

Those commissions help this site to continue being a long term free resource to our readers.

Now that you know about the series, we will be jumping in with our first experiment together. I will keep the list of passive income stream opportunities below and the one month reflections will also be linked. Be sure to bookmark this page or subscribe to my newsletter to stay up-to-date with this experiment.

Passive Income Ideas for Busy Moms from MomAdvice.com

Passive Income For Mom Wealth Building Lessons & Results

Earn Money With Rakuten Cash Back Offers from MomAdvice.com Earn Money Through Rakuten (October Challenge)

Real Rakuten Results Cash Back Earnings Report from MomAdvice.com What Did I *REALLY* End Up Earning With Rakuten? (October Challenge Results)

Earn Money Investing In Women With Ellevest Earn Money With Ellevest (November Challenge)

What I Earned From One Month With Ellevest from MomAdvice.com What I Earned From One Month With Ellevest (November Challenge Results) 

This post contains affiliate links.

 

Passive Revenue Ideas for Busy Moms

 

How to Check Out Library Books on Your Kindle for Free

Monday, July 29th, 2019

 

Did you know that you can check out books for free just using your library card? Today I wanted to share a quick tutorial on how to borrow Kindle ebooks through your public library for free. 

Don’t have a Kindle device? 

That’s okay! 

You can also get books for free using a simple Kindle reading app on your phone or tablet. 

The reason I wanted to share this is because when I bought my Kindle Paperwhite (this is what I read on!), I had the hardest time figuring out how to borrow these books from their lending library and how to get those books that I ordered to move over to my Kindle device.

To me, it just wasn’t an intuitive process so today’s post is for anyone else who has struggled borrowing books on their Amazon Kindle or Fire tablet.

Step One: Get a Library Card

If you want to begin checking out Kindle books, you will need to begin with getting a library card from your local library. This card number is what you will use to access your account and allows you to get these free Kindle library books and audiobooks for free. 

When you get this card, you are typically assigned a pin that you will then use to access the Overdrive app that allows you to search for the books that you are interested in. If you have trouble figuring out a great library pin number, a local librarian offered the tip to make your pin the last four digits of your library card so you never forget it.

This is a great time to just confirm that your library is participating in Overdrive and also to ask about any other apps that might be available to you for digital lending. It is HIGHLY likely that your library is participating since over 11,000 libraries now offer this option. 

Step Two: Download the Overdrive Library App

Once you have confirmed that your library is participating, you will need to download the Overdrive Library App to your phone or tablet. If you do not want to use a mobile device, you can also access it online through your desktop. 

My library homepage, for example, is linked to Overdrive so I can just search directly on my desktop. 

Step Three: Sign Into Your Overdrive App

Once you have installed the app, you will select Sign Up Using Library Card  (or sign in using library card).

At this point, you will be able to search for your local library name or location. Select this library once you find it. You will want to search for the overall local library system (the county name) versus just the local branch you use.

You will then be prompted to add your library card information and pin number that you were assigned. Once you are signed in, it is time to start searching for digital books and audiobooks.

Step Four: Select and Check Out Your Books

I wanted to walk you through the step-by-step process of checking out the books, once you have the Overdrive app installed. This is where I got confused because I didn’t understand how the book was supposed to magically appear on my Kindle Paperwhite. 

Begin by searching for the book that you would like to borrow. You can search by title or author. Be sure that you are searching for the Kindle format and not the ePub because the Kindle format is what you will be reading on your Kindle device or through the Kindle app. 

Once you find your book, click BORROW to borrow this book.  Once you borrow it, you will be prompted for the timespan you would like to borrow this book for.

Make sure that you adjust this, especially if you need more time to read so you aren’t at risk of giving it up if it can’t be renewed. I always adjust my time to 21 days so I can enjoy the maximum length for borrowing times. 

Step Five: Sign Into Your Amazon Account and Borrow the Book

Once you have clicked that you want to borrow a book on the Overdrive app, it will automatically redirect you to your Amazon account to sign in. Sign into your account and then this screen will appear where it says, “Get Library Book.”  

As you can see in my screenshot, it is defaulting to the device that I use most (Amy’s 5th Kindle)…yes, we do own five in our house. 

Don’t you judge me. 

Once this has been clicked, you will find the book on your Kindle Paperwhite, Kindle Fire, or in your Kindle app on your phone or tablet. 

Step Six: Complete the Book Download

Now that you can see the book on your chosen destination, click on it to download it. You will need to have wifi to complete this step so be sure you do this at home, if you might be traveling.

Once the download is complete, you can begin reading your book. 

Step Seven: Return Your Book When You Finish 

The other thing that often confuses people is how to return your book through the library reading apps. Honestly, you don’t need to necessarily return them when you finish because once your book expires, it will automatically remove itself from your Kindle. 

Overdrive does have book limits though so if you want to check out more, you might need to return your book to do that. 

Head to your Amazon account and then to the, “Manage Your Content and Devices,” page. You will see the book(s) you have borrowed and you can click the Actions tab next to it.

As shown in this screenshot, “Return This Book,” is one of these options.

Select that to return the book to the library. 

That’s it, you have successfully borrowed a book from the Kindle store and added it to your own personal library. 

Other FAQ About Borrowing Digitally

How do I renew my library books?

Is your Kindle (Paperwhite) library book expiring? Check this page for a step-by-step tutorial on how to renew that book

What other free reading apps might the library be connected with?

Looking for more free reading apps? 

Check your local library website or ask a librarian! Our library, for example, offers Libby, Hoopla, and Flipster

We can also checkout independent documentaries and films through the Kanopy app. 

This frugal girl loves a freebie so you know that I’m using ALL THE APPS.

What about free audiobooks from the library?

Did you know you can get audio books from the library for free? Borrowing audiobooks will differ depending on the type of device you are using to listen to them. The best resource for that will be this page that explains it step-by-step depending on your digital device you are using.

I usually just listen to them on my phone through the Overdrive app directly, but you might have other options depending on the device you are using. 

Where else can I read free books through my Kindle app or device?

First of all, if you are a Prime member, you can get a FREE book every single month!

Amazon Prime has a great program called, “Amazon First Reads,” that allows Prime members to shop for a book for free before it is released to the public. 

How cool is that? 

You can check this page each month for a free book

They also generously give you two books on certain months too. These aren’t throwaway books either. Some of my favorite novels have been from this Kindle First program.

Also, as a Prime member, you have access to the Kindle Lending Library where you can borrow books for free through Amazon. 

FYI- This is NOT the same as the Kindle Unlimited paid program (another confusing element to the Amazon services). 

You can access thousands of books for free through Prime and the offerings do change monthly. 

I would suggest signing up for their newsletters to stay up-to-date on the book offerings. They often send emails that warn you if a book is going to be removed from their Kindle Lending Library program and also lets you know when new books become available.

Project Gutenberg also offers over 59,000 books for free that you also can check out! 

I borrowed a book, but I’d love to have someone read it to me. How do I do that without buying or borrowing the audiobook version?

Did you know that Alexa can read your books to you?

NO JOKE. 

Keep in mind, this won’t be the beautifully narrated audiobook version, it will be Alexa reading to you. 

Get the scoop on what Alexa can read to you over here.

Why does my library not have new releases available to me?

This article might explain the issue better and the hurdles you may face securing a new release.

I want new books though. Where can I get them for cheap?

Check my deals page A.S.A.P. Bookmark this page and check back daily for the best Amazon steals and deals.

What Kindle book should I checkout next?

You will NEVER be bored again with reading because I’m here to guide you through every second of the way. Visit my book reviews section for the best reading material or join my FREE book club so you can find and discuss books with other bookworms! I even hosted an IN REAL LIFE reading retreat for our book club members

Still not enough book ideas? This MomAdvice Summer Reading Guide has you covered!

Have any questions about reading for free on your Kindle device or app? Leave them below and I will be happy to answer them. Happy FREE reading, everyone! 

Please note, this post contains affiliate links.

5 Ways to Save Money When Facing a Chronic Illness

Tuesday, June 25th, 2019

This post is sponsored by RxSaver by RetailMeNot and includes tracking links. For more information about tracking links and how to opt out, please visit All About Do Not Track prior to clicking any links found in this post. All thoughts and opinions are my own! 

If there is one thing I have learned since my Ehlers-Danlos Syndrome diagnosis, it is just how expensive having a chronic illness can be. The daily maintenance of medications, supplements, therapeutic services, doctor visits, medical devices, and dietary requirements can be extremely taxing on our budget. 

That is why I’m excited to partner today with RxSaver by RetailMeNot to share their online tool that helps you find the lowest prescription prices available. You can shop right at your own nearby pharmacy and save tons. 

As a budget-conscious person, I also wanted to share with you some strategies I have been using to save money to help offset some of our medical expenses. While we can’t always do financial planning for a chronic illness, we can learn better strategies for managing your money with your chronic illness.  

Here are 5 easy ways we saved while not compromising on the care I need to treat my condition!

Get Familiar with Your Health Insurance Plan

If you are fortunate enough to have health insurance, it is SO important to read what benefits are covered under your plan. With a brief scan, you may discover potential savings that allow you to explore services you thought you would have to pay out of pocket for. Many plans can offer coverage for items like medical equipment, home health agency services, physical or occupational therapy, and even your chiropractic care. 

Two appointments I have been regularly booking, for example, have been for acupuncture (to help treat my TMJ symptoms) and massage therapy (to also work out issues around my jaw and neck).  

Those typically sound like spa services, don’t they? 

Can you believe they are covered at my chiropractor’s office? I’m able to have these services processed under the umbrella of chiropractic medical care through my health insurance company.  

Isn’t that so great?

If you are unclear if a particular service is covered, contact the number on the back of your insurance card to request an associate look at your policy and help you walk through your benefits.  This is also a great time to ask about potential discounts for healthy and wellness like discounts on a gym membership, nutritional counseling, or mental health services.  

Save Time & Money By Researching Prescription Prices

Did you know there are ways to save on prescription drugs whether you have insurance or not? If you can’t afford your chronic disease medications, you can take advantage of apps that save you money on your prescription needs. 

Simply head to the RxSaver website (or download the app) to comparison shop the pharmacies near you and evaluate which store offers the best deal for your money.

The nice thing about this service is that they don’t require any personal information to use it and you don’t have to have a membership to take advantage of the savings. Simply enter your prescriptions in, compare prices, and choose the best price and location for you.

When I typed in my own medications, for example, I was surprised to find $20-50 savings on one of my medications thanks to this tool finding the lowest prices for me. Check your own prescriptions right over here.

This quick price check can yield your family up to 80% off at pharmacies nationwide!

Find Ways to Earn Money & Trim Your Current Expenses

When you become diagnosed with a chronic condition, you may find that your days look a lot differently than they did. Honestly, I found that my day was really structured around appointments and squeezing in a little rest.

As we all know, when our days look different our spending can also look different.  

This is a great time to reevaluate your monthly subscription services to see if they are being used enough to justify the expense.  If they no longer fit with your new lifestyle, consider reducing or dropping services to save money to pay for your future medical expenses.  

A monthly gym membership, for example, could be reduced down to a class pass instead that can work with your new daily schedule. 

Small switches like this can free up funds for future medical expenses.

Also, consider tweaks that can help you earn money to help offset costs. Moving your savings to a high interest earning online bank, for example, can yield up to twelve times more interest than what you may currently be earning.

As you explore your financial systems, I would also encourage you to get advice from a trusted financial planner to discover ways you can earn more from interest or strategies for investing wisely to help cover any unexpected expenses. 

Discussing what your new normal looks like, with your financial advisor, can impact lots of future decisions. This is a great time to go over things like estate plans, life insurance, and strategies for covering your medical costs.  The more transparent you are with your financial advisor, the better dialogue you will have to prepare for your future.

Take Advantage of Wholesale Club Prices Without the Membership (or Heavy Lifting)

Wholesale club memberships can be expensive up front, but can yield great money-back rebates and savings on items or services needed for your health. Just think of all the potential savings on things like vision, supplements, or medical care equipment needs. 

Now that I use Instacart for grocery delivery, I discovered that you don’t need a wholesale club membership card to have a grocery delivery service gather your groceries for you. This workaround on the Costco membership means that I can take advantage of all the store has to offer online and have these heavy items delivered to my door.

If you do have a card, you can input your membership number for them to use, securing more in your future rebates without the hassle of shopping for it all yourself.

Keep in mind that the grocery service does not typically purchase a lot of the over-the-counter medications you need though and that section of the store can save hundreds on your health expenses.

No grocery delivery in your area? 

As a small town girl, I feel your pain!  

You may consider doing a grocery pick-up service and having someone at home to assist you with the heavy lifting. 

Single? 

I have found a rolling shopping cart saves me time and energy on my grocery days.  #stillwinning 

Ask About Patient Assistance Programs

Lastly, if I learned anything from my Dad, it is that it never hurts to ask for a discount!  Many places I visit offer a discount card for repeat visits, a reduction on medical bills if paying out of pocket, or can share samples of prescription medication that can help offset a bit of your day to day expenses. 

I highly recommend asking too if there are discounts for students, seniors, military, long-term disability, or being low income discount. I have often been surprised what discounts I had at my disposal that I would have never known about if I had not asked.

Not only is asking about a patient assistance program at your various appointments beneficial, but it is also something you should look for when shopping for items you may be purchasing online.

In fact, many expensive medical devices or medical supplement sites may have a page dedicated to Assistance Programs, on their website. These programs allow you to apply for a set discount on your purchases that can save you a lot of money or can be covered by your health savings account.

Just like being transparent with your financial advisor, I encourage you to have transparency with your physician about your budget too.  When our son’s medication skyrocketed hundreds, we set up an appointment to discuss alternatives that wouldn’t be as costly. By having this conversation, we were able to switch our son to a higher milligram pill that could be split into two doses, giving us twice the amount of pills for a lot less.

Don’t forget though, you have a patient assistance program right in the palm of your hand. The RxSaver app can help you narrow down who has the cheapest prescriptions in your area and get you back to resting in no time flat.

This post is sponsored by RxSaver by RetailMeNot. All thoughts and opinions are my own! 

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Over 350 Kindle Books On Sale Today

Monday, November 26th, 2018

Let’s talk about some of my favorite deals today for Cyber Monday 2018! As a minimalist, I found Black Friday to be underwhelming this year, but I did find a few favorites for today.

If you love to read, this is a pretty incredible deal day on Amazon with over 350 (!!!) books on sale today. I’m sharing my recommendations below, but if you just want to get right to the list, head on over here.

Also, if you have been waiting for a good deal on the Paperwhite, today is also the day to score that with a discounted price of $79.99. Get this cover and you can even read while stirring a pot on the stove (hahaha!)

Amazon Kindle Book Deals (my favorites offered today!)

The Great Alone, $2.99

The Heart’s Invisible Furies, $2.99 (my favorite book of 2017!!)

Vox, $1.99

The One, $1.99

The Child Finder, $1.99

The Ministry of Ordinary Places, $2.99

The Winter Soldier, $4.99

Need to Know, $1.99

Children of Blood & Bone, $2.99

Far from the Tree, $1.99

Every Breath, $3.99

The Three Body Problem, $3.99

Leah on the Offbeat, $1.99

Another Woman’s Husband, $2.99

Not Our Kind, $1.99

American Gods, $2.99

I’m Judging You, $2.99

Artemis, $2.99

The Truth We Bury, $1.99 (or FREE with your Prime!)

The Handmaid’s Tale, $2.99 (or FREE with your Prime!)

Outlander, $1.99

It Was Me All Along, $1.99

Love & Ruin, $2.99

Hillbilly Elegy, $3.99

Murder on the Orient Express, $2.99

The Dutch Wife, $2.99

Tailspin, $4.99

The Snow Bride, $1.99

Vicious, $2.99

The Lost City of the Monkey God, $2.99

Racing to the Finish, $3.99

1984, $2.99 (or FREE with your Prime)

Money: Master the Game, $3.99

Other Deals To Get Excited About!

Take $5 off  when you spend $20 on books (this is a rare deal- take advantage of it!)

TODAY ONLY- take an additional 15% off sitewide at Target

Get $10 credit when you order a Prime Book Box for Kids.

Hunter Boots– under $100 today!!

LOFT– 50% off sitewide plus free shipping

Ann Taylor– 50% off sitewide plus free shipping

Old Navy– 40% off sitewide

Outerwear- HUGE discounts (good time to snag winter coats for next year!!)

Instant Pots– $79.99 plus free shipping (this is my favorite kitchen appliance)


Get a FREE 5-Piece Mrs. Meyer’s Gift Set with your first order (divide this set up for hostess gifts for the holidays!!)

Take an ADDITIONAL 20% off magazine subscriptions today with coupon code BDMCYBER20!! (these make great gifts that give all year-long or fabulous stocking stuffers)

Snowed in too? Redbox has $.16 rentals today!!!

16¢ DVD Rentals– Use coupon code DVD16

16¢ Blu-rays Rentals– Use coupon code BLURAY16

16¢ Game Rentals– Use coupon code GAME16