We’re all about trying new ways to save money (and time) on Wallet Squirrel. Here is one of my latest attempts to save both during my regular lunchtime meals. In short, this my story on how I replaced my lunches with a $2.36 Huel meal replacement shake for a week for a Huel Review.
First – What Is A Meal Replacement Shake?
These are shakes that contain all the nutrients you need in a meal. Everything we’re supposed to eat as humans to be healthy, but all contained in a shake. No more worrying if your meal is healthy or balanced, you have scientifically measured powder you mix with water and that is the meal of the future.
These really started to become more and more popular lately thanks to Gamers who didn’t want to waste time cooking. They wanted a fast and easy method to eat so they could get back to gaming with little effort. Plus if it was healthy, they would have more mental capacity and energy to continue gaming.
This movement resonated with a lot of people of today’s generation that also wanted an easy, ready-to-go meal replacement shake so they could continue their busy lives.
Are Meal Replacement Shakes Good?
Does it matter? If you’re drinking a nutritionally complete meal and for far cheaper ($2.36 per meal with Huel) than a regular meal. Does taste matter?
For most people, it’s still an issue. To these people, no it does not taste good! These meal replacement shakes are far from tasting good. At best you get bland and yes, that is best!
What Type Of Meal Replacement Shakes Are Available?
For this, I had to do some research. Normally I’m all about Hot Pockets, Pizza Rolls, and Ramen Noodles, so basically anything else on the planet is more nutritious for me than these. However, if I was going to go all in with a meal replacement shake, I wanted the best. During my research, I looked at 2 different meal replacement shakes that came highly recommended.
Each of them had a loyal fan base and both fairly nutritional shakes, but I leaned towards Huel because it had a bit more protein per meal. Here is my one week Huel Review.
Huel Review: Here’s My Story Trying It For A Week
Pre-Huel Review – I spent about a week and a half researching Huel, reading reviews and listening to YouTube testimonials. I finally decided on Huel (located in the UK) and ordered off their website. I ordered 2 bags (28 meals) of their vanilla flavor. This is their recommended amount to buy your first time. Since it was my first time ordering, they gave me a free shaker and t-shirt. In total, it was $66.00.
I receive them in the mail about 2-3 days later, it was really fast delivery! I assume they have a distribution center in the US somewhere, otherwise, that was very quickly delivered from the UK.
I read on many of the reviews that people went to the extreme and replaced all of their meals with Huel for a week. That’s intense! In doing this, it took some time for their body to adjust to the alternate food source. They described some very embarassing gassy situations.
Sorry guys, I’m not doing that. I’m only replacing my lunches. I walk home for lunch every day with limited time to eat. I thought I’d substitute my lunches for this meal replacement shake to save both money and importantly time (also dishes).
Day 1 (it was rough) – It was the weekend so I tried I decided to try Huel early. I read the brochure that says 3 scoops is equal to 1 meal. So I throw 3 scoops into one of the shaker containers I already have and fill it with water. I didn’t think it mattered. The shakers I’m talking about have a metal wire ball that sits in the bottom and bounces around when shaken to additionally stir more of the protein mix in the water. I shake for about 2 minutes and take a drink.
AHHHHHHH, it was the weirdest taste of my life!
My face scrunched into a ball, shrinking as small as possible to hid from the strange taste of the Huel. I sat there motionless hoping it would all go away. In doing so, I tried to realize what was so off about it.
It didn’t have ANY flavor, it was the blandest thing I ever tasted! However it was the chunks of congealed powder that was the grossest thing ever. The powder clumped together in the water forming dry chunks of grit that caused my throat to revolt.
I just couldn’t deal with the chunks. It was the texture that got to me, texture wouldn’t wish it on my worst enemy. I was determined to finish it though, it was only Day 1. I kept taking drink after drink while working on something else to take my mind off it. In the end, it took me 4 hours to finish my first shake because my sub conscience wanted to delay the inevitable as long as possible. I seriously considered quitting this entire Huel review.
Day 2 – (it got better) – The next day was a Monday, so I came home from work and knew I had to try again. This time I had to do something about the chunks, I couldn’t take them anymore (YUCK)! So I threw the 3 scoops of powder, added water and dumped ice into a blender. I read ice helped in some other reviews. Then I let that concoction blend for a full minute. I’m sure 15 seconds would have been fine, but I wanted revenge at this point.
I poured the blended goo into the shaker they gave me. This shaker didn’t have a metal mixing ball like my others, but it did have a plastic mesh to help capture the large chunks of the powder from being drank. I appreciated this….
It actually wasn’t bad at this point. There wasn’t much favor but a complete lack of chunks really won me over. At this point, I realized maybe I could make it.
Day 3-7 (easy peezy) – The following days were easy and time-saving. I came home, set up the blender, added ice/water/powder, and poured it into my Huel shaker to drink. I began to finish the drink under 30 minutes (while doing something else). It wasn’t too bad and I eventually got used to the odd taste.
It’s not the worst thing in the world.
Moving Forward
I will probably continue to use Huel as my backup lunch option, like Peanut Butter and Jelly Sandwiches, when I have nothing else in my fridge after this Huel review, but it’s such a good option that’s quick and cheap. My only hang up is I regularly have to wash the blender and single Huel shaker after every use. My goal was to have zero dishes for the ultimate meal replacement.
Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!
Today is day 67 of when I first started my latest Affiliate Website. The sad part is though I still haven’t “officially” launched the site yet. So I wanted to give you an update where I’m at currently, as someone who is trying to balance creating a website from scratch, and continuing to live life.
Where am I Currently With The Website?
The good news is the website is live with a great design and concept I still like. So far I’ve added a few products to sell on the homepage and I have one blog post done. Yes, only one….
The biggest thing with me is to figure out the processes I need to do to complete each task. Luckily I have done everything from adding new products to creating the style/look I want for the blog posts. Now that I have these throughout, experimented with and complete. To move forward, I just need to create content and fit it to the standards I’ve created thus far.
What’s Distracted me?
While I’ve had 67 days to work on the new website, in reality, I’ve only had about 2 weekends. This is because I do other things in my life in addition to my affiliate website. For example, I write regular content for Wallet Squirrel (this website), as well as write guest posts for other bloggers in hopes to gain links back to this site, Wallet Squirrel. This is where most of my free time goes, either to Wallet Squirrel or the new Affiliate Website.
Other things that have distracted me so far…
Workouts/Training – I’m signed up for a 10k race (called the BolderBoulder) in 3 months, a half marathon (Slacker Half) in 4 months and a 10-mile Tough Mudder in 6 months. So I’m daily working out and running. That takes up about 2 hours a day, every day.
Girlfriend – I very much like my girlfriend and need to spend time with her so she knows I’m alive.
Social Activities – I enjoy hanging out and visiting with friends and I still need to do these. However, I have limited myself to only going out on special occasions. Basically, if it’s some mundane excuse to go out to the bars, I pass. Yet if it’s going up to Breckenridge for snowboarding, I’m in. This has helped me not get into a rut of boring social activities and get some work done as well.
How The Other Guy is Doing
I started this Epic Niche Site Battle with Barnabas of SerialBoss. We continue to chat on LinkedIn to see how the other is doing. He’s in the same boat of feeling overwhelmed by two websites but we continue to make strides.
I expect to have my website completely launched and starting my marketing campaigns this weekend. Wish me luck!
Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!
If you’ve seen our little pop-up or emails, we made a deal with our readers. We promised if you signed up for our email list, we’d do a drawing and a lucky person would win $100 to start investing. We’re doing this!
Remember these pop-ups?
Why Are We Doing This?
Lots of websites do different give-a-ways to encourage people to join their email newsletter. We wanted to try this, but actually, do something cool.
We didn’t want to create a “90 Ways To Save Money” pdf to give away or anything like that for new sign-ups. Frankly it was overdone and in reality, the easiest way to save money is not to spend it. There, that’s my free pdf.
So I asked myself, what do our readers actually want. Well, they want more money to invest with and pay off bills. So what if we gave (PayPal) someone $100 to use to invest. If they used that money to invest, it would grow to a lot more than $100.
I liked this idea.
How The Competition Worked
It was easy, if you signed up for our email list at any point, and still a member by the end of 2017, you would be eligible to win. We would do a drawing at the end of 2017 (actually this week) and whoever was selected, we would PayPal you $100 to do whatever they wanted.
Yes, you could use that $100 to invest, pay down bills or buy new shoes. We obviously can’t control what you will spend that money on, but we will STRONGLY encourage you to invest it. Investing is cool!
I’m going to do something no one ever does. Share how many email subscribers they have. It’s a bit scary sharing this because if it doesn’t seem like a lot, you can easily judge us based on how many other people subscribe. So vulnerable moment, go!
We currently have 290 email subscribers to Wallet Squirrel. All of them are eligible to win the $100!
To select a winner, I went to Mailchimp and reviewed the complete list of email addresses we had. This is how I discovered we had 290 email sign-ups. That is freaking awesome!!!!!
Then I went to Google’s Random Generator, basically, just typed “Random Number Generator” in Google, try it here! At the top of the page, there is a generator where you enter the min/max amount and hit “GENERATE. I got “17”.
So at this point, I scrolled down Mailchimp’s list to locate number #17.
I’m now shooting them an email to let them know they won! Plus to see if this email works for their Paypal account. So check your email because I may have money for you!
Is The Competition Now Over?
Not even close, I REALLY like this idea. It’s a great way to encourage people to sign up for our email list and everyone gets a chance to win some money to do what you want (investing suggested). =P
In 2018, we’re doing this again but it’s for a chance to win $200 at the end of the year. Sign up and enter!
Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!
How the $88,000 debt payoff journey helped me to transform
Today’s post is contributed by Amy Nickson, a passionate writer on finance. Amy is a professional blogger who has started her own blog and also works as a contributor for the Oak View Law Group. Please share your opinions by commenting below.
The debt payoff journey was the turning point of my life. Once I was a reckless spender; the debt payoff journey helped me to become a financially responsible person.
Read my story to know my debt journey
The year 2011 wash ruthless; my mom was diagnosed with liver cancer, which took her life after 6 months of struggling. In addition to this, I started getting creditors’ calls that made me realize about my high credit card debt, which was a double shock for me.
Being a single mom, my mother earned our bread, showered love and compassion on me and treated me as a most delicate possession.
She never wanted me to see hurt or sad. She had given me a credit card and told me to use for convenience. I started living a lavish life (planning trips, visiting Starbucks, partying, shopping, and hanging around with friends) with my boyfriend.
My boyfriend wanted me to buy a good car. I soon took out an auto loan to buy a costly car without giving it a second thought.
After college, I started working and earning. But, most of the money went out on leading extravagant lifestyle. As a result, I fell into costly credit card debts.
How I paid $51000 credit card debts that I mostly incurred during my college days
I had no clue where to start; what to do with $88,000 debts including $51,000 credit card debt and $37000 student loan debt, and a car loan.
I was not in a normal state of mind; my mom wasn’t there to support me, not even my boyfriend who influenced me to live a lavish life.
The settlement story
A few weeks later, I called John, my friend and a financial advisor.
After knowing all the issues, he advised me to settle the debts, especially the highest interest rate debt. A few months later, I got rid of the higher interest credit card debt ($16000).
The cost of the debt settlement was too high for me. I decided to pay the rest of the credit card debts on my own.
How debt snowball method worked as a savior
I contacted John for the second time to know how to pay off the debts on my own. He explained me the debt snowball method and suggested me to consider a side hustle to save quite a bit so that I can make some extra debt payments.
As per the guidance, I started paying some extra to the smallest amount of debt while paying the minimum to the rest of the debts. Since I had to manage the living cost on my own, I thought this could be the easiest way for me to get out of debt. Following the same method (debt snowball), I paid off the $35000 credit card debts within 3.5 years.
How I started freelance blogging
I had interest in writing projects. So, I tried to search online to find out blogging related freelance jobs. Soon, I started getting small to big projects. Freelance jobs are well paying. For instance, Wallet Squirrel makes $35 per article on Seeking Alpha.
Honestly, the side income helped me quite a bit to make extra payments on my credit card debts.
After paying off the debts on my own and earning extra, I felt a sense of accomplishment and started working on the other debts enthusiastically.
How I paid $37000 student loan debt
The student loan debt payoff journey was relatively smooth, because the credit card debt journey had taught me to live a frugal lifestyle. I started following the extreme money-saving strategies to pay off my student loan. I paid a little extra than the minimum payments. I followed the same until I paid off the entire loan. After 3 years, I was also free from my student loan.
Financial lessons I learned from my debt-ridden past
To be very honest, the intense financial situation helped me to become financially disciplined. I have learned to live life staying within my means. Since I grew up in a lavish way, I never realized the importance of living a disciplined financial life.
However, thankfully, the bad time helped me to learn how to set aside money and advantages of living a debt free life.
Here are some useful tips that will help you to avoid debts and get rid of them fast:
1. Budgeting is the key to avoid
I realized that without following a budget, it is impossible to keep finance in order. I had no idea how to manage monthly bills along with those credit card payments.
John told me to follow a budget where I include debt payments as the main expenses including other necessary expenses like grocery, utility, transport, etc.
By doing so, I noticed an improvement in my money managing skills. Dealing with bills became easier. And trust me, you never experience financial difficulties if you honestly follow a budget.
2. Cut down junk expenses to set aside money
I truly felt restless and unprotected when the situation needed to save every dollar. But, you have to set aside money if you want to get rid of debts.
To do so, you need to cut down unnecessary expenses like eating out, partying, clubbing, subscribing to unwanted things, etc.
I did the same and was able to save some extra dollar so that I could make extra debt payments.
3. Live within your means
Living a lavish life leads to debts. If you spend more than you earn, you will soon fall into debts.
After college, I started earning but I went overindulged and used to spend more than I earned. Most of the time, I used credit cards randomly, which was enough to accumulate huge credit card debts. Extravagant lifestyle only welcomes debt; so, you need to live within your means.
Skip expensive morning latte from Starbucks. You can make your own coffee that tastes same as Starbucks at home.
Plan short trips instead of long and expensive gateways.
Practice home exercise and yoga instead of paying a big amount for a gym.
Shop grocery when you need and also reduce wasting food.
4. Make your credit card bill payments on time
You should deal with your credit cards responsibly. You shouldn’t buy an item, using a credit card, that you can’t afford; because making credit card bill payment within the stipulated time is very important.
If you avoid paying credit card bills on time, you will shorty fall into costly credit card debts.
5. Save money as much as possible
I took out an auto loan and bought an expensive car, which was a fatal mistake. To pay off the auto loan, I sold the car. Later, I bought a small car with cash. It took quite a bit of time to save money for the car, but buying a car with cash is actually a win-win deal.
6. Consider a side hustle
You should boost your income to get rid of debts fast. Earning some extra, like these extra ways to make money, will allow you to make extra debt payments. You can also be able to save a certain amount, which is a good way to avoid falling into further debts. I started part-time blogging to earn some extra. I had a full-time job, but the income was not upto the mark; the extra income helped me to pay off the credit card debt fast.
7. Get rid of junks to get out of debts
You should remove all the junks. Try to remove junk expenses and junk goods. By doing so, you can easily save money that you can use for debt payments.
8. Choose the right debt payoff strategy
I have mentioned earlier that I couldn’t continue with the debt settlement program due to its high cost. I didn’t have a well-paid job; so, I gave up. But enrolling in a debt settlement program helped me to pay off the highest interest debt fast.
Though a settlement program is a good debt repayment option, it is a costly one. It will also impact your credit score since you are not paying the total debt.
On the other hand, DIY debt repayment options are also effective. You can choose either debt snowball or debt avalanche to get rid of the debt on your own. You don’t need to pay money to a third party debt relief company.
Lastly, I should agree that living a debt free life is amazing. At least you can sleep peacefully without worrying about creditors’ calls. The debt payoff journey made me more mature and complete. Thank you for reading my debt payoff journey patiently.
Recently I’ve committed to building an epic Amazon Affiliate Website in a new competition we’re calling the Epic Niche Site Battle. A contest over a year to see who can build a better niche website. The competition started January 1st, 2018 and this is the entire outline of how I plan to create an awesome Amazon Affiliate Website under $300.
Step 1 – Find a Niche
What do I want my website to do or sell? Do I want to be an entertainment website where people go to be happy and find cool stuff, or do I want to be an authority website where people visit to learn words of wisdom from someone who knows more than them? Or do I want to create another blog that shares silly stories?
There are a lot of choices here, but I wanted to do an entertainment website. I like being fun and frankly if it’s going to be another website to manage. I NEED this to be fun!
Specifically, I chose to niche down to a fun, witty and entertaining website on Holidays. I like holidays because people spend money (or at least expected to spend money) during these times of the year. So I’m going to create an entertainment website based on the traditional things people buy for the holidays. Cool right!
Cost – $0 to think of cool niche ideas.
How To Start A $5K Blog Free Email Course
A free step by step course with Andrew Kraemer looking at examples of blogs making over $5k, how to set up your own blog and what you need to do to get more traffic.
Join us to get wonderful blogging tips and access to this amazing course!
I will guard your email with my life. Check your inbox. =)
Step 2 – Find a Clever Domain Name
This part takes time, give yourself plenty of time, like 3 months to come up with a clever domain name for your website. Usually, you want your website/business name or purpose to be reflected in the domain name. You want this to be memorable, easy to type, shorter is better and capable of building a brand around.
I spent 3 months thinking about a domain name. Yes, the Epic Niche Site Battle started 10 days ago, but I could still think of my website beforehand. To think about my holiday website, I came up with over 237 different domain names, slowly fine-tuning them, and emphasizing keywords that made sense to my brand. Those 237 domain names were just the ones that were available when I researched them on GoDaddy.com, there were hundreds more I tried that were unavailable. I went a little insane finding the right domain name.
This is how I felt…..
Eventually, I find a domain name that I absolutely loved! This is personally important to me because if I don’t like it, I won’t be motivated to work on it every week. If you’re not passionate about something, you WILL quit halfway through when the going gets tough. I don’t plan to quit.
Cost – $12 Domain Name + $12 Domain Privacy
*Always buy domain privacy, otherwise you’ll get calls/emails daily from companies trying to sell your new website different services. It’s like telemarketers on steroids.
Step 3 – Create A Fun Logo
This doesn’t seem like a big deal, but I’m a graphic kind of guy and I NEED an awesome logo to rally behind. Honestly, I started to think about how the website logo will look when researching domain names. I wanted to create more than just a name in a silly font, I want to create a whole brand.
Once I had my domain name chosen, I started to research different creative logos on websites like Logopond.com and in Google Search Images. I typed in my keywords and compared what other company logos looked like. I started from there and fine-tuned until I had something that looked different, creative, but familiar.
I had about 5 pages of tiny thumbnail logos sketched out.
I needed and created something that looked professional. I used Adobe Illustrator to create it myself, but you could hire a freelance graphic designer off Upwork.com of Fiverr.com. It just depends how much money you want to spend. I personally hate spending money, so the more I can do myself, the better.
Cost – $0 if you do it yourself, I did.
Step 4 – Claim Your Social Platforms
Right before I create a website, I go through and start claiming all my social media platforms for the new company name. Chances are that if your domain name is unique enough, it should be available. If not, at least a similar enough name should be.
I’m currently going through and claiming a Gmail account for my new company (people trust Gmail), along with a Facebook Page, Pinterest Page, Instagram, and Twitter Profile. I’m doing this now so I at least have all of these claimed in the digital world.
I will use the graphic I created for my logo, as the profile photo for the new social media accounts. =P
You may not need/use all of these in the beginning, but having them for safekeeping is a nice reassurance moving forward.
Cost – $0 for the basic accounts.
Step 5 – Set Up Your Initial Website
I personally use WordPress for all my websites. It’s frankly easy to use, flexible and I like the simplicity. This new website will also be on WordPress. Most websites are.
Setting up a website is easier than you think. I personally use Bluehost (you can use whoever you want) to set up all my websites because they have a 1-click button that sets up a WordPress website for you, if that’s scary, here is a detailed post on how to start a blog written for some friends. Let me know in the comments if you have any questions. We’re happy to help!
Full disclosure, I use Bluehost for all my websites. I’m a big fan. If you want to learn more or use Bluehost, I would LOVE if you used my Bluehost Affiliate Code to check it out. It really means a lot to us!
Cost – $202.32 for 2 years of Bluehost hosting.
*You can absolutely do only 1 year, but there is a better discount the longer you go. I also paid for the Site Backup Pro (in case I accidentally delete something) and SiteLock Security (in case my website gets hacked). Overall $202.32 for two years is pretty awesome! If your website hasn’t made that back in 2 years, we should chat.
Step 6 – Find The Right WordPress Theme
So I went to the same place I buy all my WordPress themes (Themeforest) and searched their hundreds of demo WordPress Themes to find the right one that made sense for my Amazon Affiliate Website. This is the style and look your website will have. I needed a clean looking blog (it’s great for SEO) and I needed a warm looking homepage. I found something flexible and looked professional after a couple hours searching.
I’m a big fan of websites that look professional. If your website looks like it was made by a 5th grader, it will be instantly judged and people will feel uncomfortable. Take the time to give your website a nice look upfront and it will pay dividends for the success of your website. WordPress themes are a great way to give your Amazon Affiliate Website a professional look for a cheap price tag.
All you do with your WordPress Theme is hit “Upload Theme” once you create your WordPress website. It’ll then give you the look and feel of what you saw in the demo theme from Themeforest.
Cost – $60 for a WordPress theme from Themeforest.
Step 7 – Add these WordPress Plugins to Improve your site
There is an infinite number of plugins you can add to your site, but the more you do, the slower your site can run and Google hates slow sites, read Adam’s experience here with decreasing website load times. Here are 6 free plug-ins I add to all of my WordPress Amazon Affiliate Websites to keep them fast, looking good and efficient.
Akismet Anti-Spam – Frankly getting spammy comments suck and make your website look crappy. Akismet is one of the most popular plugins to protect your Amazon Affiliate Website from spam. Or turn comments completely off to eliminate spam if you don’t want a comment section.
Compress JPEG & PNG Images – This is a plugin we use to automatically reduce the file size of our images. Having smaller file sizes keep your website load times quicker since the web pages don’t have as much to download.
Google XML Sitemaps – This helps Google bookmark your website. The plugin does everything automatically. It basically creates a roadmap for Google’s crawl bots to quickly index your site.
WP Fastest Cache – Cache plugins help your website load faster and this is one of the best. We’ve tried a couple different cache plugins, but keep coming back to this one.
Yoast SEO – One of the most popular free SEO plugins. This will tell you how well your page/post is optimized to be search friendly. I live by this plugin!
Cost – $0 for all of these plugins.
Step 8 – Create Your Initial Pages
I want my website to be easily manageable, so I’m going to initially set up my Amazon Affiliate Website to be pretty simple. I’m having essentially 3 pages.
These pages are:
Homepage where I’ll sell products
Blog to write engaging SEO posts
About Me/Contact Page
I thought about separating the About Me and Contact Page, but they essentially are the same thing, I’ll have a contact form on my About Me page. In my head, the website is more manageable with 3 different pages (plus future blog posts).
I’m currently setting up these 3 pages and loading the homepage with products to sell for the upcoming holiday. Once these 3 pages are done, you’re website is almost done.
Cost – $0, just takes time.
Step 9 – Write AWESOME Blog Posts (4-5 for Launch)
In most cases, your website will be found by SEO or Search Engine Optimization blog posts. You’ll likely market your website in other ways, but most times blogs are found on Google, Bing or Yahoo. Here is Wallet Squirrel’s SEO strategy.
This is where the hard work comes! Every one of my blog posts must follow the 5 rules I discovered during my research on 50 Amazon Affiliate Website Examples Making Money in a Niche. There were the 5 important variables when investigating blog posts on these successful Amazon Affiliate Websites.
Use Specific Keywords – The more specific the keyword is, the better it’ll likely rank in Google
Review Posts are Popular – Before someone buys something, they want to know what others think of it. So if I have an opportunity to review something for a post, people may use my review post to click through to the product they’re thinking of buying.
Content Is King – Most successful blog posts that rank well have between 1,500 – 3,000 words.
Mix High & Low Priced Items – Don’t have a blog post with affiliate links to all high priced or all low priced products. Keep a diversity of price ranges and don’t overwhelm the reader with products to buy. Provide honest reviews and recommendations.
Get People to the Amazon Store as Quick as Possible – The goal of an Amazon Affiliate Website is to get people to the store as quick as possible. Amazon does a great job at convincing people to buy their stuff, let them do the work and collect your affiliate commissions.
Lastly, always do your research and NEVER suggest/promote products you dislike or don’t agree with just for money. People will ALWAYS see through that.
I’m trying to create 4-5 awesome blog posts for my initial launch. Don’t worry about publishing these all at once. This just gives Google more time to crawl these pages and bookmark them for future Google Searches. After that, I’ll create a new post weekly or bi-weekly. Honestly whatever feels better with my time constraints. Either way, quality blog posts are better with Amazon Affiliate Websites.
Cost – $0 unless you pay someone else to write articles for you, but I write all my articles myself.
Step 10 – Launch Your Amazon Affiliate Website & Market It
After I finish my 3 website pages and 4-5 blog posts. I’ll be ready to launch my website!
This involves more than making it visible to the world. You need to get people to the website. Here are some ideas on how to promote your website and increase web traffic.
If you have an Email List, email them on the new website!
Create a social media campaign on your social media accounts about the launch. Add lots of hashtags if you don’t have a large following. Also, share with your friends and family, they’ll be likely to share because most people want you to succeed.
Post to Facebook Groups asking them for feedback on your new website. Maybe they’ll have ideas on how to make it better. You may even get a few new followers.
Submit the URL of your new Amazon Affiliate Website to different News Aggregators like StumbleUpon.com.
Try syndicating some of your blog posts to syndication sites, especially if they’re good posts. This may help you tap new audiences.
Create an infographic and share with different graphics platforms like Slideshare, Flikr, and other bloggers.
Reach out to Bloggers and/or News outlets if your new website or blog posts match their content.
Reach out to companies you mention in your blog posts.
Cost – $0 You don’t have to spend anything on marketing the website if you don’t want to. Find free ways to promote your website before resorting to paying for a press release or PR companies. Don’t ever try to pay for links to your website, Google may penalize you for this.
Step 11 – Repeat Writing New Blog Posts and Marketing
Remember the old shampoo commercials of rinse and repeat? That’s how Amazon Affiliate Websites work. Your goal is to attract as many visitors as possible, help them, and send them onward to Amazon to buy a product.
The more you write new content and market your website, the more visitors you’ll bring in and the more products you’ll sell.
Total Cost to Start an Amazon Affiliate Website – $274.32
Conclusion
I just laid out my entire Amazon Affiliate Website template for you to copy. If you follow this outline and track my progress, you’ll find some success for your new website.
I’m currently in Step 8, setting up my Amazon Affiliate Website now. It’s going really well! I should be at Step 9 or Step 10 by the end of January, having only spent $274.32 total. That should easily be made back in the next couple of months, I’ll continue to track and post my progress!
Leave me a comment on how your website is doing and I’ll continue to leave updates on how the Epic Niche Site Battle is going!
Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!
I get the simple reason why we work, we want to make money to do the things we want to do. We trade time and energy for money. Then spend money on things to make us we need/want. This I totally get.
However, most of us are trading time and energy for money and still unhappy.
In fact, over 52.3% of Americans are unhappy at work.
This is crazy! In most cases if something makes you unhappy. You quit doing it! Yet most of us go to work every day at places we don’t want to be.
Are we idiots?
Are You Unhappy With Your Job?
I was recently asked if I was unhappy with my job? I was a little surprised a co-worker asked me this. Their reasoning was that I USED to be extremely happy and excited about everything, now I was more monotone or lacked the excitement I used to have.
Honestly, I was a little pissed. No one wants to be told that they lack anything. Yet in reality, I was madder at myself that I let it show that I was unhappy. I’m part Irish, I’m used to bottling up my feelings and not tell anyone that anything is wrong.
It made me ask myself if I was unhappy with my job? It was pretty scary.
What Does Unhappiness at Work Look Like?
If you ask yourself “Are You Unhappy At Work?” it’s not an easy answer. So I started to create a list of signs that would force me to see the truth.
Do I hate waking up in the mornings and coming in for work?
Do I feel I have no future at the company I’m at?
Does the day fly by or drag on?
Do I get excited about new projects or is it dread?
Am I doing the same thing over and over or is it new and exciting?
How do I describe my job to new people?
Does Jenny in Accounting ask if you’re unhappy at work? WTF
Dang, I totally answered yes for quite a few of these. So do I quit my job now or start looking for a new one? I freaked out just writing this list.
Does it even matter though if I hate my job? Whether I hate it or love it, I still NEED it. I have bills to pay and the money I make can buy things that make me happy. Should something I do 40 hours a week need to make me happy?
Well, yes….. Your job should totally make you happy. It absolutely should. However, before you quit you should answer the same question I’m now asking.
What Would Make You Happy At Your Current Job?
The other day I pulled a senior co-worker aside and asked them “What do you think I should do in 2018 to improve the company, goals, vision, etc?” I was expecting some generic answer like things to help the bottom line. However, he surprised me entirely.
One of the best questions I’ve ever been asked was “What do you want to do that makes you happy?”.
Holy Cow! It’s a simple question, but one I’ve never been asked before. I couldn’t actually answer right there and there though. I told them I had to think about it and I’m still thinking about it.
What would make you happy at your current job?
Most people say better pay, but that’s a reward, not necessarily something that affects your everyday duties. What would you change in your day-to-day duties that would make you happier?
That’s currently what I’m thinking about. What would you say?
Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!
Back in May, Barnabas reached out to Wallet Squirrel following up on all our talk about building a niche website. He’s been wanting to do the same thing and he suggested we do something like Pat Flynn’s Niche Site Duel and compete to see who could make the better niche website.
F*#k, I freaked out. This is the first time I’m going against a real blogger and sharing every step of the process. What if my ideas suck?
Although terrified, I REALLY want to do this. I want to build something awesome with everything I’ve learned the last year. So I accepted the challenge of what we’re calling the “Epic Niche Site Battle”!
Niche Site, What Is That?
In an older post, I gave 50 Examples of Amazon Affiliate Websites. Essentially a niche site is a website that caters to a particular narrow group of people with a common interest. For example, people who own large fish tanks could be a particular niche. You could totally have a website about that!
You can also monetize these niche websites and have them make money for you. I’ll admit, that’s my motivation to start this. I’m hoping to build a passive income with this new website and use that money to buy more dividend stocks.
How To Start A $5K Blog Free Email Course
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Join us to get wonderful blogging tips and access to this amazing course!
I will guard your email with my life. Check your inbox. =)
How the Competition Works
Barnabas and I sat down (via Google Hangouts) to lay out how the competition works.
Duration: We are giving each other 1 year to build & grow our niche sites. Starting on January 1st of 2018 we’re starting our site and giving comprehensive reports quarterly on both our blogs (walletsquirrel.com & serialboss.com). We each may add additional posts, but we have to share all of our stats every three months. Whoever has better key metrics at the end of the year wins.
What We’re Competing On: We’re both building niche sites to help us grow our incomes, so making money is key but not the only factor. We are tracking 4 key metrics we both felt were vital to the success of a niche website.
Updates: We’ll share our updates quarterly with January 4th as our first post. Damn that’s soon!
First Update – March 29th
Second Update – July 5th
Third Update – September 7th
Last Update – December 6th
Rules: The only rules we came up with were:
No one else can help us. I can’t have my buddy Adam helping me or hire any Virtual Assistants. The same goes for him. It’s just him and I each bootstrapping a website from scratch.
Paid Advertising must be deducted from profits. I don’t plan on using a lot of Paid Advertising since I’m poor and don’t want to spend money, but I may try $50 in Facebook Ads to see/track if it helps.
That’s it. All else is fair to build the ultimate niche website!
Full Transparency: We’re sharing EVERYTHING (good times and bad) except the domain names. We want to be as transparent as possible since we want to help others build niche websites and show how it’s done, but we’ve both heard horror stories of people using similar domain names and stealing traffic from new sites after the keyword research has been done.
I may share my domain name at the end of the competition, once established, but it’s up to Barnabas to share his or not. For now, we’ll call our respective sites the Wallet Squirrel Niche Site and the Serial Boss Niche Site.
My Previous Niche Site Experience
So far my previous niche site experience leaves room for improvement. In the past I’ve built 4 unsuccessful niche websites, but each one got better.
That’s right, I’ve built 4 awful niche sites in the past. It’s time to build something awesome!
Starting when I was 24 I built my first niche site reviewing online universities, it was called Top5OnlineUniversities.com. It was awful because I wrote generic school descriptions and only made money with AdSense. I hated myself for building something so lame. So I quit after a year.
At age 25 I built a website called LanguageMindMaps.com (it’s not up anymore). I wanted to use my graphic design talent to create mind maps of typical conversations in different languages to help people visually learn new languages. It was better looking but I had no way to really monetize it and knew nothing about marketing. It failed because no one was searching for the term language mind maps.
At age 26 I built a deodorant niche website that started doing well for the keyword search, but it lacked ways to monetize the website. Plus I wasn’t exactly thrilled to tell people I had a website on deodorant. So since I wasn’t excited to market it, I lost interest and it died.
At age 27 Adam (of Wallet Squirrel) and I built a Halloween Costume website. This was something that looked cool, had great keyword research and did really well. However, it was just a seasonal website so the rest of the year I lacked interest in maintaining it since it only turned a profit once a year. That lack of motivation destroyed me and I game up. By the time Halloween came around again we didn’t have the keyword strength and lost tons of traffic. It’s slowly been dying.
Now! I plan to build something that’s graphically cool, that I’m excited to share with other people, has awesome keyword strength with a topic I can write about throughout the year. These are the guiding factors for my new niche site.
Strategies
It was pretty funny when we shared our initial strategies, they were very different approaches. So we’ll get to see two common strategies in action.
I wanted to go with a traditional affiliate site where the purpose is to rank high for a particular keyword then get my audience from my niche website to a product as fast as possible. When people use my tracking codes, I get a portion of the sale if they buy anything. So my strategy is to gain traffic through keyword targeting and quickly get them to a product site quickly. The idea being the more people I get to a product site, the more products that will sell.
Barnabas with SerialBoss has a bit different strategy. He plans to make most his income from Google AdSense rather than affiliate sales. So he is focusing on ranking highly in Google in a particular niche and gain revenue through visual AdSense ads.
Overall: I anticipate I may make more money first, but he is playing the long game by trying to become the premier expert in a particular niche field. If he can rank highly for one particular keyword, it’s easier to start expanding into other similar keywords and significantly grow his traffic.
So It Begins
I’m currently in the pregame phase. I’ve built a few niche sites in the past, but none have been overly successful. I really have no idea what I’m going to do. I know I’m going to build an affiliate niche website and it’s going to follow rules I stated above from past lessons learned, but I don’t know exactly what it will be yet. I don’t even have a domain name in mind.
So I’m currently rapidly typing domain names into GoDaddy to see what’s available and sounds good. Rapidly strategizing in my head because on January 1st we’re going fulling speed!
Does anyone want to join?
The main Epic Niche Site Battle is between Barnabas and I, but anyone is welcome to join in. Does anyone want to join us building a completely new niche website in January? Sign up for my email newsletter below to follow the action!
Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!
Happy Thanksgiving (American readers)! However, if you’re an international reader, Thanksgiving in America is just a day where people are reminded to be thankful for everything we have and celebrate with eating lots of turkey and pie. Usually surrounded by friends and family.
However in this Thanksgiving post, I wanted to be reminded of how far I’ve come, and our readers, in understanding finance. Because it wasn’t long ago (only in 2015 I paid off $6,000 of credit card debt) that I knew NOTHING about finance and started learning. So I found some interesting finance facts to remind myself of how far I’ve come.
10 Fun Finance Facts
Student Loans are in the trillions of dollars and two of five student loan accounts become delinquent within the first five years of making an attempt to pay student loan payments (source). I have auto-deduct on my student loans, it helps A LOT!
Nearly 30% of Americans don’t have at least 3 months of money to get them by if something happens (source). Personally, my Emergency Fund has 3 months of cash I can tap before I start pulling from my investment accounts to get me by.
In the days of the pilgrims (see thanksgiving themed fact) a US Dollar was called a “buck” because the pelt of a male deer was worth a dollar (source). I didn’t know this before!
Did you know Walt Disney every year for the holidays gave his housekeeper stocks of Disney? By the time his housekeeper, Thelma Howard died, she amassed a $9.5 million dollar fortune (source). Be nice to housekeepers and thankful for everyone doing these thankless jobs!
Don’t take investment advice from celebrities. I’m thankful I never have. The Rapper 50 Cent in 2011 started tweeting about H&H Imports (stock ticker HNHI), an investment he owns and told people to invest. Although his tweets are now taken down, he made $8.7 million from his comments on the penny stock (source). Can’t imagine his followers did as well.
If you’re having a bad day, just remember Ronald Wayne. Ronald was a third co-founder of Apple along with Steve Jobs and Steve Wozniak. Ronald sold his 10% stake in Apple in 1976 for $800. That 10% stake is now worth more than $35 billion (source). I’m thankful not to have that guilt on my conscious. Remember buy/hold!
I hate coins, but I’m thankful they add up! In 2015, the TSA (the people at airport security lines) collected $765,759.15 in loose change. This is the money people just left behind in those long lines and x-ray machine bins. They get to keep it all too (source)!
Buy and hold stocks are a thing. As of January 2013, there were 16 people left in the world who were born in the 1800’s. If they invested (and held) in the stock market, US stocks had increased 28,000% during their lifetimes (source). I’m thankful to start buying and holding so young. I could totally live to be a hundred.
46.1% of Americans will die with less than $10,000 in assets (source). This factoid haunts my dreams. I’m thankful I have more than this currently.
In 2011, US charitable giving was $298 billion. That’s more than the GDP of all the countries in the world, except 33 of them (source). That’s pretty awesome and something to be thankful for!
Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!
Oh my goodness, blog post photo sizes were SO confusing before I wrote this post. If you look through our older posts, they were all over the place because we made what looked pretty at any size. Now we have the data on the perfect blog post photo size for sharing on social media.
The Perfect Blog Post Image Size
Forget burying the lead, the new dimensions we’re using for our future blog posts are:
Horizontal – 1,024 x 512 px
Vertical – 800 x 1,200 px
Quick article right? Keep reading if you want to know how we came to this perfect ratio of social media and blog magic.
Apparently, this is a pretty popular ratio that many social media companies (like Buffer) and social media agencies came to through their research. I’m focusing on the ideal image size for sharing articles and photos, but if you want the ideal image size for every social media photo spot like profile photos and cover images, check out Omnicore Agency’s infographic.
We Did the Math: Ideal Image Size by Social Platform
I’m focusing on the 4 major social media channels, Facebook, Twitter, LinkedIn, Pinterest. Yes, there are Instagram, Google+, Tumbler, etc. Yet most bloggers don’t use these because they’re not great platforms for sharing articles, images and posts. So we’ll focus on the big 4.
No matter what size you actually upload to any of these platforms, it’ll automatically be scaled to whatever social media platform you’re using. Here is what they scale to.
Facebook Shared Link – 1,200 x 628 px
Whenever you add a URL to Facebook, it will create a “shared link” post. This will add your message in the text box above and below use the URL you submitted to automatically a Facebook article that uses your featured image as the post image. It’ll look like this:
To get the most out image size (bigger is better) out of your shared article link, you’ll want your Facebook photos to be 1,200 x 628 px. If most people find you via Facebook, maybe it’s worth making all your blog post images this size to get the most image dimensions and Facebook real estate.
Twitter Shared Link – 1,024 x 576
Twitter has over 313 Million active users a month. If you’re not on twitter you likely don’t exist. So if you want to exist on Twitter, you REALLY need to use images to convey your ideas and share your articles. Tweets with images get 2x more engagement than those without.
If your adding images to your tweets you want to use the right sized images to get the most real estate for your tweets because a regular tweet only last 18 minutes. Twitter uses a 2:1 ratio and 1,024 x 576 px is ideal. This is what the photo will look like when it’s selected otherwise, Twitter will minimize it to 506 x 253 px in the Twitter stream looking like this:
LinkedIn Shared Link – 552 x 368 px
Unlike Facebook and Twitter, LinkedIn will only allow you to add one image per post. So you can get creative having one image made up of multiple images or use one good image. Either way the ideal ratio for LinkedIn according to a moderator on LinkedIn’s help forum, the ideal size for image uploads is 522 x 368 px.
Anything larger than that will be automatically cropped for the image preview to fit their maximum width and height. Your actual image won’t be cropped if selected for full view, but most people only look at the image preview.
Pinterest Shared Link – 600 x 900 px
People are regularly raving how great Pinterest is for driving traffic to their website. I’m hoping to try this as stated in my recent income report because 90% of Pinterest pages are external links to people’s websites.
Pinterest has said that the best aspect ratio are images with a 2:3 ratio. This could be 600 pixels wide by 900 pixels tall or 800 pixels wide by 1,200 pixels tall. You get the idea. However, the actual Pinterest feed on the main page and on boards shows pins with a width of 236 px and adjustable height.
Conclusion
We’re going to start using the perfect blog post image size to help us get more real estate from social sharing, what image size do you use for your blog post images?
Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!
Ultimate Lottery Guide – What to do if you Win the Lottery
After the recent big lottery wins, people have been searching for what to do if you win the lottery. The odds are only 1 in 175 million, but it has to happen to someone right. Everyone imagines it and it’s fun to think about, but if it actually happens, here’s what to do according to the Ultimate Lottery Guide.
1. Sign your Ticket
Many people buy Lottery Tickets and stash them in their wallet or purse knowing that it’s their lottery ticket. However, a Lottery Ticket is only owned by whoever has signed the actual ticket. So ALWAYS sign your tickets when you get them. It confirms ownership and the ticket must be signed in order to claim the lottery winnings anyways.
2. Tell No One
It’s big and wonderful news, but you need to think ahead to all the potential long lost relatives, friends and random people that may soon be sitting in your front yard wanting to be your best friend. You don’t want to be the bad person telling everyone “no” so avoid the awkwardness and tell no one. In 1984, Lottery Winner Mike Wittkowski received more than 1,000 letters at his home from strangers trying to tug at his heartstrings to receive money.
It might be fun initially to have 15 minutes of fame, but you may regret it months or years later when people you never met are ringing your doorbell. Stay quiet about it and don’t tell anyone until you come up with a plan with your financial team. The plan should deal with how to handle friends/family/strangers request for money and how to deal with the sudden fame/money.
3. Take Your Time
There is no rush to turn in your ticket during all the hype, you have between 90 days to 1 year from the day of the drawing to turn in your ticket. Each state is a bit different so check them out. You have some time to take a breath, let the hype die down, and get your team of financial experts together before you claim your prize.
Powerball, you have 90 days to 1 year to claim your prize depending on the state via Powerball’s website.
Mega Millions, you have 180 days to 1 year to claim your prize depending on the state via Mega Millions website.
4. Seek Financial Advice & Hire Finance Professionals
Hiring the right professionals will help you collect the most money from your lottery winnings, help understand tax rules and take care of the gritty details so you don’t have to. Like will you take the lump sum of cash or 30-year annuity? Consider these financial professionals for your finance team.
Financial Planner – They will help you set up a plan for your new wealth. They’ll help you understand the benefits of taking the lump sum versus annuity and they will work with you to set up your goals, analyze your assets and set up a budget so you can make the most out of your money and not blow it. A study of lottery winners in Florida found 70% of winners spent all of their lottery winners within 5 years of winning. Don’t be one of these people, consult with a financial planner. To find a good Financial Planner check out the CFP (Certified Financial Planner) Board for a list of Certified Financial Planners in your area.
Tax Attorney -There will be a lot of tax (state taxes/federal taxes/gift taxes/corporate taxes and other taxes) issues that come up about Lottery Winnings. Hire a good lawyer to help you with this. To find a good lawyer, check out the reviews on LegalZoom, RocketLawyer, LawTrades and Avvo for lawyers in your area that are highly recommended and have experience handling large sums of money.
To give you an idea, the government will withhold 25% of your winnings before you even touch it. Then, of course, you’ll have to pay State Taxes as well. Maybe even Municipal Taxes depending where you live. The rest is paid at tax time where the IRS will tax you in the top income bracket at 39.6% (source). In the end, you’ll be taxed nearly 40% on those initial winnings depending on your state.
Accountant – This is the person who will have a good idea how much of the lottery winnings you’ll need to set aside to pay off all the taxes. They will help plan throughout the year on the best ways to mitigate taxes and keep the most of your money. Plus with that amount of money, you’ll want someone handling all your taxes for you. To find a good Accountant, check your local Society of Certified Public Accountants directory to find a certified Accountant to help with your needs.
Estate Attorney – They will help you with structuring and protecting your assets. They assist people in drafting and implementing legal documents, such as wills and trusts. It’s good to have a plan for your assets in the event of your death. Who will your money go to and/or should a trust be set up for your heirs. As mentioned with finding a good Tax Attorney, check out the reviews on LegalZoom, RocketLawyer, LawTrades and Avvo for lawyers experienced with wills, trusts and large sums of money.
5. Claim your Prize – Anonymously
Here’s the deal, Big Lottery wants to promote you and share with the world that a real, regular person won the lottery. Often times state law mandates sharing your name with the public. However, you can claim your prize anonymously a couple of different ways.
6 States allow you to remain anonymous – Delaware, Kansas, Maryland, North Dakota, Ohio and South Carolina.
4 States allow a trust to claim your prize – Colorado, Connecticut, Massachusetts, and Vermont will allow a trust, usually, a trustee (typically a lawyer) to claim the prize without disclosing the name of the lottery winner.
2 States allow you to remain anonymous IF – Illinois and Oregon have made exceptions to making lottery winners names public if the winners demonstrate a high risk of harm by revealing their name.
If you’re not in one of these states that allow you to claim your lottery winnings anonymously. Do what this guy did and hold the check over your head when you receive the lottery winnings.
You can also sign your first name with your first initial to make it harder for people to track you down.
You may also want to get off social media like shut down all your accounts if you win the lottery. This may sound extreme, but keep in mind that people will start searching for you online, going through all photos, friends, where you work and personal details. They may try to stake out at your favorite bar or harass your friends to meet you.
6. Create a middle man for money request
If people hear about your new winnings, you’ll likely have people from all over asking for money. Addressing all of these can be overwhelming and potentially depressing. Consider setting up a middle man to say “no” for you.
When a long lost friend comes out of the blue asking for money, or with a really great investment idea. Send them to your “middle man”, usually a lawyer, who could review all potential investments for you. You can say that they are better at investing than you, which may be true. So they can say “no” and you don’t have to feel bad telling your friend or anyone no. This will save your sanity and emotions from being the bad guy and help not waste your time/money on bad investments.
7. Pay Off All Your Debt
If you do anything with your money first, it should be paying off all your debt. You are entering a new phase of your life and it should be started off debt free.
Even if you go broke in a couple years, you’ll least have all your debt paid off to pick up your life where you started off.
8. Avoid Sudden Lifestyle Changes
While you shouldn’t be doing anything until you can physically hold the money, even after that you should avoid sudden lifestyle changes for the first 6 months. Buying that Ferrari or Land Rover, second house for your entire family, extravagant vacations can all feel like a nice reward for all your hard work, but these impulse buys could quickly deplete your lottery winnings.
Consider instead renting an apartment in that cool neighborhood you want to live in or doing an exotic car rental for a day to try different sports cars. It’ll take you awhile to understand what you want. Find out what really makes you happy before you go on a spending spree and work with your financial planner to set a budget for frivolous things to buy so that you’re still maintaining a nice nest egg for your family in the future.
9. Live within a budget
Ideally, you should only be spending the interest you’ve made off the lottery winnings. If you do this, you’ll never run out of money. The annual interest of a $100M or more lottery winnings will be more than enough to live off of the rest of your life. Especially with a good financial planner.
Otherwise, work with your Financial Planner to set up a budget live within and understand how long your money will last with your current spending habits.
10. Protect your Assets
Consider getting Liability Insurance to help with potential lawsuits against you. With your newfound money, you will be a target for anyone wanting your money. Liability insurance will help for trip-and-fall lawsuits, personal injury claims against you like libel and slander, and freak accidents. This provides an additional layer of security.
Wallet Squirrel is a personal finance blog by best friends Andrew & Adam on how money works, building side-hustles, and the benefits of cleverly investing the profits. Featured on MSN Money, AOL Finance, and more!
