Millennials in Debt: 13 Tips for Making Money

Millennials in Debt: 13 Tips for Making Money

According to a survey by PricewaterhouseCoopers, Millennials are largely financially illiterate. This truth is further evidenced by their inability to save, make sound long-term financial decisions, but most damning, the level of debt many carry.

Coupled with the shortage of ‘traditional’ money making opportunities; as a Millennial, it is easy to lose hope and throw in the towel. However, that need not be the case as with the right guidance, there are many contemporary money making opportunities you can capitalize on. Here are 13 tips for making money.

Learn how to budget

If you are not a shrewd money steward, it does not matter how much you make – eventually, you will end up broke, or in debt. As a foundation for sustained prosperity, start with the basics and learn how to budget. Do not spend on things you can do without and save the extra income. As your savings bulge, you may find yourself with enough to invest or venture out.

Start a side hustle

It is highly likely that your job does not bring in enough income. And even if it does, chances are that you could still use the extra earnings. To this effect, brainstorm on a side hustle you can begin. It should be something with potential and reasonable margins that can easily fit into your schedule.

The time factor

Preferably, do not go for a side hustle in which your earnings will equate to the time investment. For example, if you are doctor, do not start a private practice based on your extra hours. This is so because you only have so much time which means that your earnings will have a glass ceiling.

Look for something to sell with a high probability of going viral, or a gig that can run independently past a certain point.

Embrace entrepreneurship

To earn more than you will ever need and leave behind enough for your children’s children, embrace entrepreneurship. There are more than enough role models to guide you through books, advice, videos, seminars and other channels. It is not an easy journey, but once successful, the fruits are more than worth it.

Take a leap of faith

Any money making venture you will ever get into will call for a leap of faith. The belief that things will work to your benefit, sometimes, despite glaring challenges and the chance that you may fail spectacularly. Given, this does not mean that you should divorce shrewdness and prudence.

Shift jobs or careers

Some jobs/careers just do not pay enough. If you are in such a job, and becoming a business owner or getting into entrepreneurship is off-putting; then, look for greener pastures. The IT industry is particularly booming both money-wise and opportunity-wise.

Get a raise

If you are sure you actualize more value at your workplace than your pay slip reflects, gather confidence and request a raise. Be careful and very tactful on how you go about it to avoid a strategic slip up that may serve a shoot-yourself-in-the-foot scenario.

Build custom goods

If you are the artistic type and you like creating things during your spare time, then, you already have the products and all you have to do is sell them to make money. Take advantage of social media, and commerce websites such as Etsy, OLX, Cargoh, eBid, etc. You can also sell other people’s items at commission.

Start blogging

If you love writing, start blogging on a topic you love. The blog may take some time to catch on, but once it does, it will earn you handsome sums and enhance your online presence. In the meantime, work on content mills where you can sell your content.

Teach online

If you can convey information well and you have honed your expertise in a certain area, share your knowledge by becoming an instructor on credible websites such as Udemy.

Online surveys

Companies are always looking to test their products through surveys. If you have spare time, make a point of filling a few surveys daily. It is straightforward, hassle free, and you will earn a few extra dollars. No-risk matched betting is also another popular way of making quick money.

Review material

There are many paid reviewing opportunities online. The actual material to review ranges from music, photos, content, websites, designs, brands you have interacted with, etc. However, you will have to research to find credible sites with the kind of opportunity you are interested in.

Become a life coach

If you have substantial experience under your belt in a particular niche plus a reputation to back up your prowess, you can make extra by coaching others. Build a website, and advertise your services highlighting the value you offer. If you create a great proposition, you will certainly get clients.

Where there is a will, there is always a way. If you genuinely want to make more money, court that passion and do not give up even if you encounter failures. Eventually, you will get a lucky break as every other wealthy person has at some point.

How are Millennials Different from Other Generations: 13 Reasons

How are Millennials Different from Other Generations: 13 Reasons

In many ways, Millennials are different from the preceding generations X and Baby Boomers. According to experts, their distinct attributes are majorly down to a stable childhood, and the rapid technological growth they have witnessed, played a part in, and wholesomely adopted. Here are 13 reasons depicting how Millennials are different from other generations.

Highly educated

Millennials are the children of Baby Boomers and partly, generation X. These two generations grew up believing in the power of education as a master key to affluence and a complete lifestyle and hence, they passed on these ideals to their children. As a result, Millennials are the most educated generation on earth.

The parent-child bond

Baby Boomers and generation X faced the ill-fate of witnessing war, family in-fighting, and many divorces. Many of them vowed that their children would not go through such and they worked hard at their unions. Millennials emerged the beneficiaries; hence, most of them have a deep bond with their parents.


Millennials are the kings of tech. They have witnessed the growth process of many currently prevalent tech concepts, and they are now at the helm pushing tech boundaries in different professional spheres in conjunction with generation X. To Millennials, adeptness with tech almost comes naturally. The average millennial has at least two smart gadgets among a tablet, Laptop computer, a smartphone and a smartwatch.

Financially inept

Despite the high levels of academic education, Millennials are mostly deficient in financial education. They spend a lot on fancy things, find it hard to save and budget, and have little understanding of core financial aspects. The good news is that becoming financially literate is only a matter of interest and applying oneself.

They have high expectations

Millennials demand more of life than other generations. They not only want to work hard and earn enough, but they also want to discover the joy of work by working in sectors where they feel their talents are best utilized. They want the whole package, and they are not afraid of pulling all the stops to get it.

They have different priorities

Happiness is core for Millennials. Many have changed careers at the drop of a hat in search of opportunities that are more satisfying overall. Moreover, they value experiences over and above material things, and they would, therefore, rather spend their money going to exotic places than saving to buy a home.

They are a united generation

If they wish to be, Millennials can unite and create a formidable force. Social media is the chief empowering infrastructure as it enables Millennials from all over the world to interact and remain in sync. Millennials have brought to the fore the power of online campaigns and drives for or against various causes.

They do not hold retirement in high regard

Retirement means a lot for the two previous generations. As a result, they go about their work with the consciousness of approaching retirement striving to prepare for it as best as they can. Millennials, conversely, are not equally enthused concerning retirement or planning for it. They are more focused on living life as it unfolds.

They have an unorthodox life approach

Millennials want remote jobs that will give them the freedom to mix work and play. Those with office jobs want to wear sneakers, hoodies, and jeans to work. In many other ways, the Millennial approach to everyday life is unique coming off as peculiar to other generations.

More expressive and aggressive

Having grown in environments that encouraged speaking up one’s mind, Millennials are very expressive. They have no qualms with sharing personal details that other generations consider private online. They speak up when displeased with something, and they generally do not take poor treatment lying down.


The convenience of the internet has cultivated an on-demand attitude in Millennials. They are used to getting desired items immediately, and their patience is thus, greatly diminished. They fret and their countenance changes to one of disappointment, or even anger, when they have to join a queue, for instance.

Shorter attention-spans

Today’s distraction-fueled society has made many Millennials develop an attention deficit in comparison to other generations. Social media notifications, texts, video chats, chat apps and surfing the web all compete for a Millennial’s limited hours leading to extensively fragmented time use. Those who can concentrate for long periods have had to work at it.

Get depressed easier

Sadly, Millennials are more susceptible to depression compared to other generations. Current suicide rates are topped by Millennials and psychiatrists are increasingly reporting Millennial patients. Experts propose that helicopter-parenting, where most of them were not hardened enough to deal with common life disappointments, is to blame.

As the most advanced generation on earth thus far, Millennials are the default flag bearers for humanity for the foreseeable future. Their uniqueness aside, the signs clearly foretell that they will advance humanity many giant steps forward.

13 ways to make millennials want to work for you

13 ways to make millennials want to work for you 

When you want millennials to work for you, there are various aspects of your management and workplace orientation that you have to capture to increase the chances. Millennials are known to be vocal about what they need and what they take into consideration before they take up a job offer and these are the elements that you should be focused on. Here are 13ways to make millennials want to work for you.

Structure transparency

Millennials consider a good employer to be the one who is transparent about what they are doing, how they do it, and what the overall goal is including how employees are treated and what is expected of them. When this transparency is captured, millennials will come flocking since they believe they are given some consideration at the workplace with the openness being displayed.

Structure career advancements

Millennials are known to only want to work at a place where they will have the opportunity to have career advancements. When you structure career advancement opportunities, you position your company as the best choice millennials can take advantage of.

Reward ambition

Millennials are an ambitious bunch and rewarding their ambition is a way to make them want to work for you. Structuring reward systems that recognize their ambition is what ensures they become interested and committed to the idea of working for you.

Provide objective leadership

Objective leadership is a deal-breaker for millennials since they believe that it is only through effective leadership that they will gain a lead in life. The key is to ensure you lead with the positive. In this, the idea is to provide feedback on what they are handling well before constructive criticism so as to ensure they grow in their role and responsibilities.

Promote a good cause

Promoting and supporting a good cause ranks as an avenue to get millennials to work for you. Millennials love to be associated with the organizations that support a cause whether it is the conservation of the environment, voice against animal cruelty or speaking up against homelessness. A good cause gets millennials excited about their work and commitment to ensuring success so that others benefit.

Structure work-life balance

If you want millennials to work for you, structuring a work-life balance is the key. Providing flexible work hours for the millennials is one way to make sure they are better suited to their roles. This makes millennials excited about working for you since it gives them a heightened sense of productive outlook.

Set the workplace as a family

Millennials desire to have connections at the workplace if they are to be happy and productive. The leadership at the workplace should be presented as the guidance tool and the coworkers set as “work relatives” if the millennials are to be thrilled about the idea of working at the organization.

Use merit as the yardstick

Millennials often feel shortchanged at the workplace since they believe recruiters and resource managers from older generations consider their own instead of using merit as the yardstick for role consideration and promotions. By placing merit as the yardstick, you position your company as the unique option for millennials.

Have mentorship programs

Millennials love to learn and they believe they thrive in the job spaces where they get the appropriate mentorship. Placing a mentorship program in play is what you should consider since it is bound to be the input that places your organization as the best choice millennials have in career development.

Structure recreation options at the workplace

Whether it is the team building exercises, happy-hour outings or game platforms at game rooms at the workplace; recreation options also serve as a deal-breaker for millennials since it makes them be vibrant at the workplace.

Structure systemic upward mobility

The beauty with the chance to exploit upward mobility is that it proves loyalty to millennials. The opportunity for upward mobility incentivizes the commitment of millennials to want to work for you since it assures them that they will be promoted to higher ranks with every contribution they make.

Structure in-house incubation

If you wish to attract millennials to work for you, the key is to structure in-house incubation. This encourages employees to develop and bring forth ideas for new products. Millennials love a chance to contribute with an ingenious idea that is originally theirs and one that can revolutionize how people operate and relate.

Offer work benefits

Millennials love work benefits since they believe they are getting rewarded for the efforts and commitment they have at the workplace. Work benefits include living wage and recognition of contributions. Millennials always realize when they are being valued and when they are being taken for granted. Making them a part of the team ensures they feel that they are an essential element at the workplace that contributes to the greater vision of the company.

Best advice for millennials to find a great job. 13 tips

Best advice for millennials to find a great job. 13 tips

Millennials are always looking to land the job of their dreams but the real question always lingers on how they can arrive at it. As a millennial, the greatest test you can have is to try and position yourself as a professional who has the capacity to handle the duties and responsibilities that come with the select job positions. Here are 13 tips that will ensure you are able to position yourself for a great job.

Be willing to work your way up

Many a times, a great job is a factor of how well you are willing to be patient and work your way up the ladder. It is crucial that you are able to prove your worth over time and this is what it means to be committed to working your way up.

Highlight your value proposition

In a bid to find a great job, it is imperative that you highlight your value proposition. This is the only way you can be able to prove to the recruiters that you have the potential to deliver on the target role that you have been dreaming about.

Interview personalities you admire

A peculiar strategy to land a great job involves interviewing personalities you admire. Most millennials have no idea that this is actually a workable plan as it gives you connections in the select companies and ensures you are able to create a persona that the recruiters will resonate with seamlessly.

Reach out

It is of critical importance that you reach out to the companies that offer competency in your field of service. This is a great way to find a great job since it positions you in the radar of the professionals with expert outlook within your industry. The key is to avoid mass resumes and instead take on relevant applications that are customized for specific roles that are in line with your technical background.


The problem with millennials is that rarely are they willing to make the sacrifice. In order to land a great job, you sometimes have to volunteer and offer your service so that the potential recruiter takes notice. Offer to volunteer especially if you believe in the mission statement and vision program of the organization as this will place you in the best possible position to land the job.

Highlight your work ethic

Employers are always looking for the individuals that embody the work ethic that resonates with that of the organization. When you highlight your work ethic, you announce your greatest asset when it comes to the obligations and responsibilities.

Appear tenacious

A tenacious millennial is a great asset to any organization. Employers are even known to even create a position just so that they can harness your potential if you are tenacious enough and this is what you should be targeting as this is what opens the door to your dream job.

Have a unique selling proposition

It is very important that you have a unique selling proposition since it is what makes you stand out from the rest of the possible candidates for the job. In this, the idea is to have a standout characteristic that will differentiate and stand you in good stead for consideration.

Have intimate knowledge of industry

When you have a great command of the industry, it becomes possible to have a greater impact in the field and this is what recruiters target in the employees they take up. Employers will ultimately take notice and adopt you within their ranks if they identify you have a deep understanding and command of the industry.

Strive for experience

It is harder to secure your dream job without the necessary experience. With this in mind, you should ensure you treat your current job as a platform that offers valuable experience that will catapult you to your next role.

Target the professional, not the company

Professional growth is crucial when you need to land a great job. It is crucial you target the person who holds your dream job or has experience in operating in that capacity since you get to learn more from the right professional as opposed to the right organization. As a millennial, you can take the risk and learn lessons related to your dream job since you are young and have a whole career ahead.

Pick a career, not a job

When you are focusing on your career, it is easier to land your dream job than when you are concentrating on the job or role you desire. Job choices will more often than not disappoint but your career path will always lead you to the desired stage since it develops you rank and carves your path over time.

Work for free, initially

Offering your services and expertise for free albeit in the initial stages shows your curiosity, confidence, dedication and commitment. It is a combination of these elements that lands you a great job.

13 Tips for Working a Remote Job from Home

13 Tips for Working a Remote Job from Home

Boss related stresses, commute time and office inflexibility make working from home seem like the best thing that could ever happen. However, if you are lucky enough to make the transition into a good remote job, you quickly realize that working from home presents another set of challenges.

Primarily, without the oversight, you may easily become complacent leading to diminished performance and a stunted career. To help you avoid such, here are 13 tips to get the most out of working from home.

Set up an office

It may seem counterproductive if the atmosphere of an office is what you are running away from, but nevertheless, it is one of the best ways to ensure your home productivity does not dip. If the typical office atmosphere is completely unappealing, look for an ideal work area without office-reminiscent attributes and designate it as your work location. The idea is to have a sacred work space that immediately shifts you into work-mode. Also, make it comfortable.

Set goals

Set goals to define what you should accomplish each day. Otherwise, you may wrongly think your performance is optimal while it is yet mediocre. The goals should be ambitious, yet reasonable such that you continually push your boundaries.

Create a schedule

Concretize your goals by creating a schedule. Here, take advantage of the work-from-home factor by capitalizing on your strengths. If you are a morning person, build your work program around this fact. Do the same if you are a night person.

Work in blocks

Never lie to yourself that you will work three or four hours continuously. The body is not built like that. To get the most out of your time, work in blocks crafted as per your concentration span. Ideally, one block should last anywhere from 30 minutes, to an hour. After a block, take five-ten minutes off. Get some sunshine, stretch, take some water, etc., before getting back to work.

Mitigate distractions

It is easy to get carried away by distractions as you work from home. During working blocks, do not text, check your social media, or reply to emails unless it is part of your scheduled task. Keep distractions to a minimum unless an emergency arises. Advisably, turn off your phone’s notifications.

Set boundaries

Working from home poses the extra challenge of external distractions especially if you have kids. To be safe, set boundaries. Ensure that everyone at home understands that work hours are sacrosanct. This goes for friends too, who might tend to stop over during work hours thereby disorienting and turning your schedule on its head.

No house chores

Work should take first priority. Do not get into the habit of doing dishes, or other minor cleaning chores during work hours just because it is not in you to leave dirty dishes in the sink, for example. Obviously, this does not mean that you should not clean after yourself; it, however, means that you should not let things of a lesser priority usurp energy and time that should go towards your work.

Use the rescued time well

Working from home will rescue an average of an hour of commute time, plus time spent doing typical after work activities such as banter. Use this time wisely. Read a book, work on yourself, devote more time to exercise, spend it with your kids, etc.


The hustle and bustle of an office has the beneficial effect of pressure and competition that keeps the workforce sharp. At home, you lose this and you can easily find that you feel sleepy in the afternoon, after taking your lunch, for instance. To keep yourself sharp and healthy, exercise often. Go for walks, jog, go to the gym, play with family, etc.

Meet others

A work-from-home life can quickly alienate you from beneficial relationships. So that you do not lose socially, take advantage of online networking through platforms such as LinkedIn, Facebook, Twitter, and the rest. Furthermore, get involved in social activities with co-workers and other professionals such as going out for lunch, coffee, networking functions, and team building.

Eat square meals

Working from home can also make you snack more than is necessary, which will ultimately reflect on the bathroom scale. Therefore, ascertain that you eat three square meals but more than that, work on your feeding discipline. If push comes to shove, rid the house of favorite snacks, and stock up on fruits and healthy foods.

Have a tech go-to person

In today’s IT driven professional world, you can encounter a tech hiccup that can incapacitate your performance. Being far away from work, help can be take longer than you would wish. For this reason, particularly so if your job is IT heavy, have a go-to person who can sort out minor technical difficulties.


Check in with your boss and co-workers at least once daily. This way, office developments will not escape your attention and you will remain in sync with office occurrences.

A remote job is a big blessing, but it can become a curse if you do not take the requisite steps to make it work. These tips offer a great starting point, but keep experimenting to find a custom mix of hacks that works for you.

13 Tips for Finding Online Work When Traveling

13 Tips for Finding Online Work When Traveling

The travel-as-you-work arrangement is a dream aspiration for many – especially millennials who use experiences and seeing the world as yardsticks for determining the overall richness of life. Getting such gigs, however, is a challenge, and tact has to employed to land on-the-go jobs with reasonable pay. Here are 13 tips and strategies to find work as you travel.

Choose an online-oriented line of work

Some jobs can be accomplished online; while others – not so much. To increase your odds, the apparent thing to do is to select a career path that enjoys online demand. Great examples include public relations, online marketing, SEO, article writing, web design, translating, customer service management and app development.

Enhance your skill set

The demands of an online job are similar to those of an office job results-wise. The same performance parameters are stipulated especially if it is a permanent remote job. Thus, your skill set must be up to par to perform satisfactorily and avoid conflicts with superiors. Focus on polishing your skill set, and your chances of prospering online will increase significantly.

Build a professional presence

Recruiters nowadays, whether online or otherwise, consider a candidate’s online signature before hiring. Social media pages provide a superb avenue for collaborating claims of expertise, and this is why you should ensure that your digital presence is impactful professionally. Join the main social sites, update frequently, and build a brand that entices employers.


Just like in real life, effective networking online can deliver job opportunities to your doorstep. Strive to build a vibrant network both digitally and in real life. Leverage LinkedIn, in particular, to access and interact with other professionals and do not fail to make it clear that you are on the lookout for new opportunities.

Find a remote job, and then travel

Looking for a job is a job in itself, and traveling usually comes with impromptu demands. A flight may delay, car problems may derail your schedule, among a host of other things that may necessitate readjustment. This brings to light the shrewdness of first getting a remote job and then commencing travel.

Leverage job boards

Boards are the best way to land a gig while traveling. With some luck, you can find a long-term gig but usually, expect short-term jobs. Shop around for credible job boards and sign up.,,,, are some of the famous job sites. To find more websites, search ‘jobs’ in your search engine of choice.

Sign up on content mills

Content mills often always offer short-term jobs. Some pay better than others and the rules vary across the board meaning that it is your prerogative to find one that matches your standards. Popular requests on content mills include transcriptions, article writing, journalism, editing and web design.

Think ahead

Depending on the type of job you are hunting for, think ahead and adopt a pre-emptive approach. Consider whether where you are traveling to has good internet connection, stable power, security, access to printers or fax machines. Otherwise, infrastructure challenges may lead to your getting fired.

Ensure you have the papers

If you intend to travel long distance, different work dynamics may pose a problem. You may require additional papers and taxes may come into play. There may also be other factors to consider and you, therefore, have to conduct destination specific searches to be prepared.

Polish your interview game

An excellent remote job opportunity will call for an interview. In view of this, work on your interview strategy. Research on popular questions in your niche, follow relevant persons who can help you up your game, and always approach online interviews as you would a face to face interview.

Stay connected

The foundation frames of online work are the various systems that enable unhindered communication. Thus, it becomes evident that you have to remain connected to work efficiently. It is only in this manner that you will keep up with employer demands, learn of work related developments and access other relevant parties.

Beware of scammers

Scammers prowl the internet looking for easy prey to take advantage of. In the professional world, their primary source of information are job boards. Hence, keep your antennae up to notice tell-tale signs. Some of the pointers include deals that are too good to be true, jobs that demand you take mandatory expensive tests, recruiters contacting you out of the blue, unprofessional messages with grammar mistakes, etc.

Keep track of your applications

Keep track of your applications to know their status and probability of success. That being the case, you will also reduce the chances of reapplying for the same gig which will paint you as inattentive to detail.

In conclusion, provide points of reference to make it easy for recruiters to substantiate your expertise. Also, sometimes, it may take a while for a good gig to materialize. If this happens, as you continue searching, do something useful such as running a blog.