5 Ways To Make Money From Home In 2018


If you want to make money from home, pay attention. In this article I am going to give you 5 ways that you can make money on internet in 2018.

Did you notice that the term “side hostel” became very popular in 2017?

I recently read an article that said that more than 50% of workers in the United States have some kind of “side hostel” that they use to supplement their income.

If a lot of people from the side want to do something you have to admit that the cost of living is rising faster than the minimum wage.

So let’s look at a few ways that in 2018 you can make money from home.

# 1: Become a Social Media Director

After the explosion of social media over the last decade, social media managers have become really popular.

Is a social media manager; Director.

So if you are a social media manager, your job is to send / receive friend requests, post multiple times a day, make incoming comments and read incoming comments etc.

You would think that this is something that anyone can do, but there are a lot of successful entrepreneurs and business owners who are willing to let anyone do this worldly work for them.

If you think you’re good at social media, maybe it’s just a gig for you?

# 2: Learn how to trade Forex and cryptocurrency

It amazes me how many people even listened to Forex. Forex is an acronym for Foreign Exchange.

With Forex you are buying and selling coins just like people buy products like corn, coffee and orange juice.

It’s an invaluable skill to learn because you can check your salary when you get it. Just remember that in the eyes of Uncle Sam, gambling is the equivalent of gambling, so you’ll have to pay a hefty capital gain for whatever you’re pulling on.

Cryptocurrencies like Bitcoin are not just something you buy and hold. You can actually trade cryptocurrencies as well.

# 3: Join a Network Marketing Company

While network marketing companies tend to get a bad rap, most people are not aware that industrial marketing is worth 100+ billion dollars every year.

More money is earned each year from network marketing than from all the professional sports received every year in the United States!

A network marketing company gives you the opportunity to be the CEO of your own organization from day one.

In corporate America you usually start at the bottom of the ladder and are forced to work your way up. In network marketing, you start at the top of your organization, but you are responsible for creating and training a team of independent sales representatives who have common goals.

# 4: Start with e-commerce

You can also get involved in e-commerce. You know, things like eBay, Amazon and even Shopify.

You do virtual business here. You can sell any virtual you can collect from your imagination.

Dropshipping is a big part of successful e-commerce sales. Otherwise you have to sell your own product and most people don’t have it.

If you are not really a person and do not spend for sales life, then e-commerce is a great way to make money from home.

# 5: Engage in authorized marketing

Affiliate marketing is the sale of another person’s products / services.

Virtually every company known to the people has an approved program of some kind these days. For example, if you refer someone to Time Warner, they will pay you.

By sharing the products and services you use each day, you can earn a percentage of each time you buy from your unique authorized link.

Which of these methods is best?

While all of the above methods are great, there really isn’t a “best” one. However, if you plan to make money from home on your computer, you need to take proper training. Otherwise it may take you real time to learn to master online marketing and become realistic.


The key to my Internet business success is primarily – the proven path to your success in 2021


To put it mildly, online businesses are driving millionaires and this is the best time in your history to jump online and create wealth for you and your loved ones as fast as you thought it would be utopian.

It took companies at least a hundred years to get to global brands from their humble beginnings. Worldwide brands such as P&G (1837), Nestle (1866), Heineken (1864) come to mind easily.

On the other hand, it has been the household name of Microsoft (1975), Apple (1976), Amazon (1994) and Google (1998) for less than 10 years.

Growing it up is not limited to tech giants. Individuals are doing a killing online in areas as diverse and mundane as online training, physical fitness and writing (otherwise known as blogging).

Take Brendon Burchard as an example. He is an online trainer who started 2009 SARCA. He currently has more than 3 million students in more than 100 countries. His influence is so huge, Oprah refers to him as “one of the most successful online trainers in history”. Its networth is estimated at NPM million.

Another example is Ramit Sethi. She launched her first blog in 2004 and appeared on Fortune and Forbes together in 2018. That same year, Forbes showed Ramit side by side with Warren Buffett and estimated his networth at 25 million.

Raising it is not limited to men. The global physical fitness icon, Callen Johnson, has an estimated net worth of 10 10 million, and Mary Forlio has a net worth of 14 14 million.

Named after the physical fitness coach Charlene Johnson for more than 30 years, Marie Forlio has gained a reputation over the past 10 years with the help of her Mary TV, online training, coaching and books.

The fastest, easiest and cheapest way to make it bigger is to increase the power of the internet. As internet gurus have said, to be successful online, do what works. In short, don’t try to reinvent the wheel.

The internet is an instant shift. It has created tremendous resources for those who have mastered its ecosystem, but also bridged the gap between how it works and those who do not know it.

Usually, whenever the paradigm shifts, the knowledge base is reset to zero and everyone has to learn anew. To learn quickly and easily, it is necessary to follow a proven path.

To be successful and successful, I follow the formula of internet business success for beginners. As you know, there is order in the universe. If there was no order, there would be chaos. My Internet Business Success Source Elementary Education is a concise but powerful framework that shows you how to be successful online. If you follow this you will succeed. If you don’t, you will fail.

The formula consists of 7 steps. Here they are:

Learn day and night

Despite the simple simplicity of the plug and play, the Internet is a complex ecosystem. To succeed you must learn day and night because change is fast and dramatic, basic algorithms change overnight. Studying enables you depth and breadth and keeps you evergreen

Here’s what you should learn to highlight:

How the Internet is evolving

How Visible will be visible

With how to connect with people

Build How to make a list

How to write scripts to

Create How to make a product

How your products are discoverable

How to make money online

Visible off and online

In order to be visible you need to increase your footprint off and online so that you become familiar and start building credibility and gravity. Here’s what you should do to increase your visibility:

Ever develop evergreen intellectual features (books, courses, learning guides, etc.)

Home Have a home-base (website or blog)

Emb Emb Embassy (Social Media Platform)

Listening contains listening posts (mailing lists, social media platforms, podcasts)

Satellite Satellite Cities / Cities (Guest posting, socializing with social media influencers))

Events Stage events and develop your own platforms such as YouTube channels.

Media Court

Build relationships

You need to build relationships to attract strangers, visitors, friends and ex-enemies to loyal customers and real fans. While this feels like the foundation of a broader relationship, building a true fan base is more important than what you should do to build a relationship here:

Books Provide valuable things like books and e-books for free

Reach out to your other online influencers

Extend a helping hand to strangers you meet by providing strong advice

Help with specialized information wherever you can, for example in wherever forums

Authority Recommend where you have authority; Don’t be ashamed

Join people together as people connectors

You’re asking for help wherever you’ve been challenged, don’t be shy again.

Create a mailing list

Make it a priority to create your mailing list so that you know who to market to and who to sell to tomorrow. There’s a rugged argument online about what comes first: product mailing lists. As a beginner do not be confused by this chicken and egg argument. Listings and products are two sides of the same coin: you are an online business. Just note that with listing you can market what you don’t have through authorized marketing but a product on the list takes you nowhere. Also note that as a beginner you will not be able to do authorized marketing. So build your list and follow your product evenly. Here’s how to contact to create your list:

Day Start a mailing list from day one (at least now you know).

Hanging start with low hanging, medium hanging and high hanging fruit at the end

Create a categorized list to enable you to tailor your messages

Hire Afford to manage an affordable mailing or communication

People Personally invite people to join your list and persevere

Provide valuable encouragement such as valuable books, video lessons, etc.

Day Keep it day and night

Offer something (create product)

Create products for sale so you can add more value to your followers. People will follow you because you have something to offer them. When you do, you will make money, but making money should not be your primary consideration. When you do it well, the money will come. Here’s what you should do:

Knowledge Equip yourself with knowledge and wisdom

Intellectual Write and refine your intellectual characteristics to perfection

Ir Develop unexpected courses, events and platforms

For mastering the technology required for production

Master the technology required for delivery delivery

Be consistent and focus on the things that last forever

• Expertise so people know what works for you

Learn how to market and sell online

Lynchpins brought in for marketing and sales money. Owners of the most successful online businesses become proficient in marketing and sales. Invest a large percentage of what you generate in marketing to generate more sales and keep your business growing. Here’s what you need to do to increase marketing and sales:

Learn how to use marketing to grow your business

Buying Understand the psychology of purchasing and buyer behavior

Learn how to build your business pipeline

Sales Learn how to create and optimize your sales funnel

Sales Learn how to create sales scripts that convert visitors into customers

Learn how to use social media for marketing

Learn how to set up your landing pages

Follow sales with ust bizarre because sales are human but not salable

Master strategy for long term victory

Succeeding in a sustainable way online is a marathon. It promises to go a long way. Develop insights into how online monetization efforts are made and how to make money along with the value chain Develop Know that Rome, as they say, was never built. If you follow online business as a sprint or a hundred meter dash, you will soon give up and fail. Here’s what you need to do right now:

Master and refine your winning game plan

Master the four steps of online business (learning, audience, products, sales)

Long develop long-term vision

Things keep things evergreen

The more you diversify the adjacent winning areas as you become more confident

Online Develop offline resources to reduce your online risk.

Eat repeat and based on the principle of excellence

Here are seven key pointers in moving your Internet business forward. You may be wondering, where is the technology, above all we are talking on the internet. The truth is, technology has expanded seven steps, but technology remains what it is, one is capable. Technology enables you to scale and reach thousands online, but in the end the relationship wins. So we talk about high-tech, high-touch.

In the long run, you must master the technologies that enable you to learn day and night, be visible and visible online, build relationships, build a mailing list, create products, market online and how to sell. It is able to learn and achieve long-term winning strategies.

Knowing the technical aspects or technology is important because you are working with machines and technology that will help you scale and automate but this is not the most important condition for any beginner’s success.

Online success is anchored in two magic numbers: 10,000 customer base and ড 10,000 monthly recurring revenue. You can easily achieve both of these 7-step internet business success formula that I follow in this article. Once you hit these numbers, you are ready to use the scale technology. This will be the subject of another article.


How To Find The Best Forex Expert Advisor


Forex Expert Advisors (Forex EA or Robots) program codes created specifically for the purpose of reading price feeds from Forex trader data providers through their trading platform using algorithms. These are designed to search for pre-programmed price patterns and to make decisions on behalf of the trader following the programmed rules in their decision trees. These decisions carefully evaluate the trading opportunities for Forex traders and give them advice on what they can use to get the most out of the business. Many FX traders want to find a good Forex EA for them. Well, the steps you must take to find a good FX robot are as follows:

Step 1: Determine what you need

The first step in finding a decent forex expert advisor is to determine your needs. Different forex expert advisors can be programmed to make different decisions. They can run with a large number of different algorithms, for which a person first needs to determine what they need from a foreign expert advisor before finding a good Forex EA to make sure they provide everything they need.

Step 2: Make a list of all the Forex EAs that are able to meet your needs

Once a person has determined what they need from a Forex robot, the next step is to look for each Forex expert advisor in each entity that offers what they need and makes a list. One must be sure that they list every single Forex robot that provides them with all the things they need to make a fool proof process.

Step 3: View all Forex EAs on your list and start removing

To find a good Forex EA a person needs to complete the next step, to check all the EAs in their list and start deleting either subpar or EAS or that does not provide the necessary things. It is only through this elimination process that the process of selecting a Forex Expert Advisor from among the many existing foreign EXs will be easier for an individual. This process will result in several main options to choose from.

Step 4: Choose the Forex EA that provides you the most

When a person leaves only a few robots, what is best for them? All a person needs to do now is choose one of these EAs. How can a person be able to accomplish such a feat? Well, a person needs to be thoroughly examined by forex expert advisors to determine what each of them has to offer and then choose the Forex EA that will offer the most. Whatever a person chooses when performing this step will undoubtedly become a good forex expert advisor for them.


Top 7 Tips for WordPress Store Owners to Access the World


1. How to reach WordPress store owners?

So you want to reach out to the world of WordPress owners of stores. You can reach WordPress owners fairly quickly by typing the word WordPress Store into the search engine within WordPress. You will then get a drop-down list of all the stores available in WordPress

Once you get the drop down list, you can then find the niches in your specific store that you want to target and attract and start building a system to become very attractive to these specific entrepreneurs.

2. Attract store owners

Research to become attractive to online store owners in WordPress requires that only connecting with those people means that store owners will be able to provide them with what they need.

Knowing what is the most important purpose to them will go a long way towards keeping you in their circle and attracting more like-minded clients. Posting the latest updates on relevant topics for articles like online sales faster article for store-owners will go much further.

3. The main purpose

Regardless of their age, location or demographic, most owners have one thing in mind and that is to sell. The main goal is to get their products by removing the virtual door. This, after all, will generate cash and will continue the business over time.

The goal of store owners is to help you zero in on what you can offer.

To remove the virtual door, WordPress store owners will find products or services that can get you more clients.

4. Find the word

To reach out to WordPress owners of stores, you can connect with the online influencers in your niche and start getting the word out to store owners about the products, features, applications or plans you offer. It’s not like reaching out to actual customers. The difference is that your customers or potential clients can be entrepreneurs in WordPress.

It helps the general customer to think of it as a regular marketing strategy. The only thing your audience will remember except you are the owner of a WordPress store.

Building relationships with these professional store owners can be done with the help of possible publicity by influential people. Subscribe to blogs, follow them on social media accounts, and be specific about your target store owner. You can comment on blog posts, respond to updates on Facebook, and even tweet back on Twitter.

The bottom line is that you need to build credibility as a service and product provider and enter their sphere of influence within their radars.

5. Blogging helps

It helps to have a blog to attract clients who own the store in WordPress. Posts like the top ten tips for WordPress store owners will be sure to grab their attention. You can even include tweets and posts on other sites to gain more credibility.

6. Build a relationship

Most WordPress store owners have been in it for a long time. For the most part, each store owner had a social media integrated strategy to carefully advertise and promote their sites and products. They usually have a few traffic generating strategies that they are implementing.

As a way to attract entrepreneurs, you have to put something similar to play. Plan integrated marketing and traffic generation strategies. The difference is that your specific traffic only happens to people who own a store in WordPress.

Building long-term relationships means constantly communicating, providing services, and new ways to attract vendors and customers who are interested in the products they want to move forward. Being in front of the game is really the key. Remember, the sole purpose of their existence is to remove products from their store.

If you provide what you offer to help you consistently encourage their sales, you can be sure of building a long-term relationship with the store you are connecting with.

7. Welcome feedback

In every case of virtual existence, there is improvement from being open to feedback and tweeting your services to the needs of your clients. This includes WordPress store owners. Find out what they like and what they don’t like.

What needs improvement? Welcoming feedback and adjusting accordingly will make you very popular in this niche. When clients see that your door is open to criticism and you are more than willing to adjust to giving your niche what they want, more store-owners can reassure you to establish a relationship with you.


Find content to share with your tribe


This information is shared by Amy Star Allen … She is a mentor and great teacher as well as a successful online marketer. His content is always spot on and helpful. Here is the information of an online video of him.

Content is important for providing value to your customers and increasing quality. Content is provided where you can showcase and teach customers and your products by enhancing your value. These places give you an idea of ​​where to find the substance that can be shared with your customers, followers, tribes, groups, down lines, etc.

One place to look for ideas for content delivery is from your discussions on social media. Teams Facebook, Mayo, Parlor, And other platforms raise questions that people want answered. These questions can help you put together valuable information and answers for the following.

One more place to search Google Or the keywords entered in a search engine search box will give your sponsors an array of ideas for content. Ideas usually pop up as soon as you type a word … just look at a few of them and see what the content might be for your use.

Pinterest A site where people post a lot of information. You can find almost anything on this platform. You can see a variety of things being posted, from quotes, art to recipes, ads, pictures, etc. The list goes on and it can gain a plethora of content ideas.

Website title “Accountability. comTakes data from Google And organizes it in a way that will help you organize the content. This is a unique site and to help you really know what the information can do for you, visit the site and listen to instructional videos provided to enlighten you.

Other websites “quora.com“By sharing and helping to spread the knowledge of the world, it gives you quick access that may not be available on a large scale. It will help you to understand the opinions and understandings of others. Koora The answer to the question is set up. Write a question and get answers to this question … it gives you access to data and content. Searching. Enjoy

YouTube, TickTock, Instagram Reels And videos from other video sources have questions and comments below. Take a look through the comments and evaluate the common threads of the questions asked. These questions and comments can give you ideas for sharing content with your customers, friends, tribes or groups.

These few sources give you an unlimited supply of knowledge that will enable you to share and create content that values ​​you and ultimately leads to sales and profits. Congratulations on finding your relationship development messages with your list of customers.


Items in the Nigerian FX market are not valid for foreign exchange (FX)


In an effort to maintain the stability of the Forex (FX) market and ensure efficient use of foreign exchange to get the best out of imported goods and services in Nigeria, the Central Bank of Nigeria (CBN) has recently issued a new directive issuing a circular.

The directive exempts some imported goods and services from the list of eligible items for FX access to the Nigerian foreign exchange market to encourage and support local production of these items in the country.

The effect of this development is that importers wishing to import any of the items listed in the CBN directives described earlier will need to source FX funds without any recourse in the Nigerian foreign exchange market (interbank market and BBN intervention).

The list of damaged items is described below but can be reviewed as soon as the requirements arise. However, please note that the import of these items is not prohibited.

Items include the following:




Palm kernels / palm oil products / vegetable oils

Meat and processed meat products

Vegetables and processed vegetable products

Poultry, eggs, turkey

Private jet / aircraft

Indian incense

Tinned Fish Sauce (Gaisha) / Sardines

Cold rolled steel sheet

Forged steel sheet



Head pans

Metal boxes and containers


Steel drums

Steel pipe

Wire rod (distorted and not distorted)

Iron rod and strong bird

Wire mesh

Steel nails

Protection and razor wine

Wood particle boards and panels

Wood fiber boards and panels

Plywood boards and panels

Wooden door


Glass and glassware

Basnadi in the kitchen


Tiles-disputed and ceramic


Woven fabric


Plastic and rubber products, polypropylene granules, cellophane wrappers

Soap and cosmetics

Prevents tomatoes / tomatoes

Eurobond / Foreign Currency Bonds / Share Purchase

In our view we should refer to share purchases (40 items in the list) with Nigeria that access the foreign exchange market for investing in foreign securities and not foreign investors investing money in Nigeria for investment purposes.

The CBN said the move was aimed at maintaining the stability of the foreign exchange market and encouraging local production of these items as well as ensuring efficient use of foreign currency. The CBN further clarified that the import of these items is not prohibited, but the importers of these items will use their own funds without resorting to the Nigerian foreign exchange market.

This means that demand in the public market will decrease, which means that the pressure on the public FX market has decreased. However, in the parallel market (Bureau de Change) the pressure will increase. The gap between the parallel and official markets will widen and the rate for the dollar in the parallel market will increase. This will increase the price of these items locally for consumers and for this final inflation.


How To Make Money Online For Nuts And Bolts – Real


Every day you get a gazelle email targeting you for everything you can imagine about making money online. How do you tell the difference between hype and pucca?

To get started well, it has to be easy. You don’t have to create web pages, you don’t have to create capture pages, you don’t have to write auto-responsive messages.

Everything should be done for you. Easy passi, lemon treatment.

Nothing gets easier than this. All you have to do is learn how to send traffic to the capture page to create your list so you can follow up and introduce them to your business’s flopportnews.

Get them to engage by sharing your story with suspicious visitors. (And everyone has one). Your job is not to sell on top of their business, but to build relationships with the people on your list.

Learn to be a leader. Get out of the learning curve. Find a strategy that works and … master it.

If you never grow a business, if you have zero business experience, no internet experience … you are in the right place at the right time because there is nothing better to learn than these … and nowhere is it easier.

Don’t leave it behind – start your business online. It is very easy to be a leader in your own home business.

You are told … “We have everything here to help you develop your skills. You will learn how to become a member of leadership and what kind of leader you want to be.”

Helping other people realize their dreams, helping other people become healthier, helping other people understand or solve problems is pretty rewarding – pretty sweet, (and it helps you make big money).

That is the feeling you have to fall in love with. Fall in love with the help of the people you introduced to the business. You just have to be more discriminating with the help you render toward other people. Stay busy, learn, teach!

And here’s the million dollar idea for you …

When you wake up in the morning, the first thing you need to do is decide if you are going to have a great day. Wake up and decide, regardless of the amount (or lack of quantity) in your bank account, regardless of how good or bad your result was yesterday.

You are going to have a great day!


How to launch an initial currency offer – a few questions to ask yourself


Many feel that cryptocurrency is the next frontier in the fintech world. The launch of ICO can be a great sign of the success of blockchain platforms. But now it also has to overcome the major obstacles that divide the industry. Success requires much more than just a strong product or an excellent ICO whitepaper.

Before you embark on the journey of setting up an ICO for your business project, it is important that you have a general idea of ​​how to launch an initial currency offer so that you stay on the right track that gets you closer to your fundraising goals. Ask yourself these important questions before launching the initial currency offer:

Are ICO promotions suitable for every type of business or niche?

ICO promotions may prove successful for some businesses or futile for others. Several startup owners think that ICO is a great way to raise funds for any project. This avoids the costly process of IPO registration with the authorities agencies as well as allows for quick collection of funds. For business success in the cryptocurrency industry, the main requirement is to generate value for users and investors. Authenticity and transparency are among the cornerstones of the ICO and cryptocurrency arena.

What should you emphasize before launching ICO?

The practice of many ICO campaigns shows investor protection, target interest and topics that are appropriate for the interest of the audience. The business owner must be strong-minded and publicly disclose his or her intentions and long-term goals to the audience before the ICO can be successfully launched.

How to lift a team in ICO promotion

From an investor’s point of view, a professional team working on this project is one of the most important things when you are contributing to an initial currency offer. It is essential that all core team members have a list with their faces and social media profiles so that they can see the brains behind any valuable contributing projects but at the same time, you can find industry professionals and climb them as project consultants.

What are the key features for ICO?

Good timing and communication are essential features of ICO. Launching your crowdsell promotion as soon as possible can be effective. In many cases ICOs are time limited so time plays a determined role. The most important things are the goals, the conditions of the investor and the team. Another important feature of crowdsell promotion is PR. Be sure to maintain the terms of speaking with your audience before and throughout the ICO campaign.

What should not be the standard practice when running ICO?

When dealing with another person’s money you must ensure that you are not violating any law at every step. Thus, it is recommended to hire the services of a lawyer when conducting ICO campaigns. Breaking the law is just like losing people’s expectations. That’s why it makes sense to update participants about the growth of your project. Also, keeping in touch with contributors is one of the most important things you can do to promote Crowdsell.

Do you have any vision for the future?

Preparing for the initial currency proposal involves a visionary vision so it is important for you to think about how you can reshape the future economy through the project’s cryptocurrency. It is fundamental to align short-term goals with a positive business experience, which maximizes the profit of the trader.

In fact, the questions mentioned above must be eye-opening before you launch an ICO. Knowledge of these important aspects and steps will solve all your questions about how to effectively implement your initial currency offer. ICO is an exciting fundraising system and we wish you all the best.


Advanced Forex Autorespender Strategies


Forex is a hyper-competitive market that requires sophisticated marketing strategies to stay ahead of the pack. One of the best marketing tools for Forex marketers is a well-designed and edited autoresponder program.

Email auto-modifiers allow you to easily collect subscribers and send them multiple emails over time. Basically, an autoresponder is a set-and-forgotten follow-up marketing program that brings sales over time.

This article will highlight specific strategies that forex marketers can use to create a successful autoresponder program.

Create sublists for profit

Most automated service providers make it easy for you to create sublists. The service automatically subscribes to a lead from one listing and adds it to another based on a trigger – like a purchase.

In marketing circles you will hear the rule of thumb is “on the money list” which is absolutely correct. Even more profitable is the money in the sublist. Sublists are short lists taken from your large list. For example, a list of buyers taken from your potential list is a sublist. Or, a list of buyers of specific products taken from your buyers list will be a sublist.

Use these sublists for targeted marketing campaigns that promote a specific product based on your leadership’s past behavior. These promotions regularly perform dramatically better than other general email campaigns because they are targeting specific customers.

Monetize the list with approved offers

Once you have created a buyer sublist, you can monetize these lists with complementary foreign exchange authorized offers. Affiliate offers give you the opportunity to increase your revenue per listing customer. The best strategy is to choose offers that will help your customers and this is a natural extension of your primary product. For example, the Forex Beginners Home Study course is a great complementary offer to a list of Forex Robot or EA buyers.

Load up for years to stay on top of the mind

All the continuity of the email autoresponder market. Your goal should be to be in front of your list members with at least 2-3x relevant content per month. You want to be the first person you think about when your potential people have forex trading questions or problems. I suggest you create a 52-week schedule loaded with a mix of complementary approved offers, educational articles and tips on how to use your product.

The hardest part of email autoresponder marketing is getting started. Just take one of the strategies detailed in this article and make it work. After it’s done, go to the next one. In a short time you will have a targeted strategy that will monetize your listing and build a profitable relationship with your prospects and list of buyers.


Discretionary income choices


Maximize your prudent earnings

Discretionary income is what you leave after paying your scheduled expenses. It’s up to you to decide what you like.

However …

How you spend this money can make a difference in your financial situation, but first we need to determine what our discretionary income is.

Rent / Rate

The cost of driving



Groceries etc.

People who have some kind of addiction will give priority to their expenses so that the addiction is included in their specific expenses.

As adults, everyone has the freedom to choose unless they have debts, which means their freedom is diminishing with the level of freedom.

The old saying goes, “or the recipient is the slave of the giver.”

We all have some control over most of our fixed expenses like money and electricity; We can reduce these but with the rate / rent fixed items we can choose more modest apartments or downsize.

The extra amount you spend is called discretionary income.

Another way to increase your disposable (prudent) income is to increase your income by getting a part-time job, getting a higher paying job, or selling things online.

Your prudent spending gives your life some meaning instead of making it a little bigger than a jolt. Instead of just letting things happen, you are making things happen. Over a period of 10-20 years many people wonder what happened.

There is a major difference between saving your money and investing it. Ultimate investors use their prudence to increase their wealth by investing in high risk stocks and shares, gold and cryptocurrencies. There are ample online platforms where if you keep climbing the investment ladder you are able to drop feed money on these things.

However you can choose to save on the holidays and tick one or two items on your bucket list. Closing the border will limit your choice of places but there are so many wonderful places to visit here in New Zealand it is your chance to discover your own backyard.

Some of New Zealand’s most popular activities are diving into the Franz and Fox glaciers, diving into the Hanmar Springs hot pools, visiting the wine region of Marlborough or attending one of the sports meetings across the country. I would like to mention one thing here, the Trans Alpine Express train journey between Christchurch and Grimmoth. It has been hailed as one of the best train journeys in the world and I do not disagree with its experience. It should be on everyone’s bucket list.