Fighting Debt One Click At A Time

It's been a while since I last updated this blog. I'm still plugging away. Got a couple of payments most recently for $$34.65 from Fusion Cash and $25.41 from Hits4Pay.

I realized I haven't updated my blog in a while. I got a couple of payments that I didn't include. My debt has unfortunately gone up since I started this blog but the good news is that I haven't been charging anything new, except for one card that I use for work expenses, but I am spending less on that as well.


BOA $9,308.72
Discover $2,798.00
Chase $1,495.35
Citi $$787.58


$14.389.65

I got another survey from Consumer Opinion Institute with a crisp new $5 bill inside. Boy the survey was kind of long so I worked for that $5. This is the first online money I've made in 2010. Well I can't say it was online because I got it in the mail but you know what I mean.

My account was deactivated in September. I tried to apply again but they said I already had an account :( . Oh well I tried. At least I still have kgb which I will have time to do today.

Here's my previous posts about ChaCha and kgb. They are both text answering companies and they pay roughly the same. Both are easy ways to make easy money from home.

ChaCha

ChaCha is my new cash cow
Got paid by ChaCha
Got paid by ChaCha
ChaCha is hiring again

kgb

I'm a kgb agent now

I can't believe it's the end of the year already! Every year I say that but time really does fly. This time last year I said I was going to pay off my debt. That was the goal. This is why I never make new years resolutions. I don't want to be too hard on myself when I break them. My goal for next year (again) is to pay it all off. We'll see what happens. I am definitely motivated more than before and I think I will get it done if not put a serious dent in it.

The last month I have really been busy working. We are down people and I have been picking up extra shifts when I can. Next month won't be any different until the new training class comes out the end of next month. One good thing about it is that my paychecks will be sweet!

Today I got $160 from someone because I picked up her shift a few days ago. Sometimes people will pay extra just to get people to take their shits. I didn't care about the extra money because I would have done it anyway but that was just extra icing on the cake.

Well the online thing wasn't going too well the last month because I was working so much I haven't had the time and I have gone through two power cords for my computer! I guess there's a reason eBay was selling them so cheap. Well now I have the situation solved so I'm back online. I needed a little break from the computer anyway because I was getting really bad eye strain in my left eye it still twitches so I need to be careful I don't want to go blind.

I hate to admit it but unfortunately my debt has increased since the beginning of the year, yikes!

Beginning total $11,485.11
Current total $13858.45



Happy New Year!

Got $29 from Fusion Cash.

It's going straight to the credit card.



www.fusioncash.com

I immediately began looking for new 0% balance transfer offers. I found the Discover More offer for 0% for 12 months whoo hoo! Meanwhile I still had my Bank of America 0% 12 month offer which expires in March.

I was almost at the limit for my BOA offer which I have not charged anything additional on that card except for the original balance transfer last year so I was only able to transfer 1k to that card which went through today. I'm still waiting for Discover to transfer the rest.

At least now I can start slashing my debt even more now that I don't have to worry about paying extra interest.

I guess it's time for an update. I'm scared to look.

Total debt as of 11/24/09 is $13822.58

I haven't actually had the time to do it but I signed up for www.Wyzant.com last year to make money by tutoring. To sign up you choose the subjects you want to tutor. You need to take a test (relatively easy) to be certified to tutor in that subject.

You put up a profile with what subject(s) you tutor and a student will search the tutors profiles and email you or Wyzant will send you an email they get from a general inquiry from a student in your area.

You choose your own hourly rate and receive a percentage of this rate. You have to arrange to meet your student for example in the library or a place you mutually decide.

I have received several requests for tutoring at least one a month but unfortunately I have not had the time to be able to sync with a student's schedule because my work schedule varies so much.



If you don't want to leave your home to tutor you could try www.tutor.com and tutor online. You can choose your own hours and it's 24/7.

You get paid an hourly rate around $8 an hour. You also have to take a test to qualify, which I found was harder than Wyzant's. I actually failed the test for tutor.com but I will take it again.

It's been a while since I've updated the blog. As I've written before I no longer work for ChaCha (still waiting on my last payment) and I needed something to replace that income stream so I decided to sign up for kgb.

It's also a text answering company, you may have seen their tv commercials. They pay roughly the same as ChaCha, .10 cents per text, although ChaCha can be higher depending on the category or how hard the question is to answer. I took the test about two weeks ago, passed, took the simulator, passed that now I'm just waiting to get myself scheduled to work.

It seems a lot more involved than ChaCha and for the same pay (which isn't much). ChaCha was a lot more flexible. With ChaCha you can jump on whenever you want, with kgb you have to schedule your shifts which is less convenient. With kgb you have to work a minimum of eight hours a month or your account will be deactivated.

Just seems like a lot more hoops you have to jump through with kgb. Unfortunately ChaCha hasn't been hiring for a long time now and I don't know when/if I can reapply for them. I will try kgb and see how it goes but from what I can tell now ChaCha seems better.

I got paid $34.45 from Fusion Cash. This is one of my favorite get paid to sites. My only issue is sometimes it's slow with adding new offers. Actually the majority of these earnings is just from doing to paid to click offer.




Here's how much I've make with Fusion Cash so far.




Check out Fusion Cash and get $5 to sign up.

www.fusioncash.com