Passive Income?

That does sound safer and it is true, you never know these days who is going to snap. Just getting groceries is a risk. I pray for my family and friends all the time for protection.

Quick story.

I was at BJs club a couple weeks ago, just picking up a few items, and decided to turn on the Doordash app.

Right away an order dinged and it was $13 for 4 miles. Said you needed a big car because of a lot of items. I initially wasn’t going to do it because I thought I was going to have to shop for all the stuff. But it said No shopping because BJs already had the order on a cart.

It was on my way home, so I accepted it.

A lot of water and soda cases, and a bunch of other stuff.

Instructions on the app were to drop off in garage. So I got there, VERY nice house, backed in, garage was open, and it took about 10 minutes to unload.

When I took the picture and hit “Done”, she had changed the amount from $13 to $50!!

All while just driving home. That is not very usual , but you can do ok with the gig economy stuff.

Does anyone on here make a passive income or maybe you do trading/stocks? Would you be willing to provide some insight for it?

Dave Ramsey once said he saw a bumper sticker saying "I dreamed of the salary I'm now starving on." He said that's not funny bc it's so true.

Well that's how I feel. I went to college for 5 years and paid my student loans. I keep going into debt bc I simply don't have enough money. I put food back and we can't afford a 2nd car.

I realize the name it/claim it group are into mansions and cars for 100 grand. That's not me. It would be nice to go on a vacation (haven't in 4 years) or to have another car even for emergencies. God has always provided. I've never starved (picturing the meme about being on a diet? No I'm just broke). Jk

I'd like to spend an hour a day on a side job that's worth my time. I put in 40 hours a week but it's salary so there's no overtime pay. I should also mention i love my job as it's a work from home job. I have 2 small kids. Its soo helpful. Any suggestions for a side job?

I've had passive income all my life. Every paycheck, I pass it right along.

If you and your husband both work, I find it hard to understand why you have such a hard time making it.
If it cost so much to live where you do, you might consider moving.
Debt is never the answer. Just adds to the cost.

We're "making it" but it's basically just all going to bills. There's nothing to save or play on. There's no vacation money, new clothes, even an occasional $5 latte from Starbucks nope never.

We actually live in a rather cheap area compared to most and our mortgage is much lower than most. But... we have daycare costs and my husband gets sick from the kids all the time. Which means no work if it's bad enough. The car is a big issue and insurance. It's nuts. Food as well... my kids eat a lot. Plus diapers & wipes... it's impossible to keep under 200 a week.

Not sure why anyone needs a 2nd car...? I thought couples shared a car.

We're "making it" but it's basically just all going to bills. There's nothing to save or play on. There's no vacation money, new clothes, even an occasional $5 latte from Starbucks nope never.

We actually live in a rather cheap area compared to most and our mortgage is much lower than most. But... we have daycare costs and my husband gets sick from the kids all the time. Which means no work if it's bad enough. The car is a big issue and insurance. It's nuts. Food as well... my kids eat a lot. Plus diapers & wipes... it's impossible to keep under 200 a week.

If you work from home there should be no day care cost. Take care of them yourself.
If your kids make your husband sick, he needs to grow up and be a man. Kids are a blessing from God.
$200 a week for diapers and wipes! How about cloth diapers washed at home and a wash cloth.
What I see here is a lot of excuses.

Here are some suggestions that have helped us in the past.

First take an inventory of everything that you have in the closet, pantry, and cabinets. When did you buy it, and how much of it have you used? Could you live with out it? This will give you an idea of your spending habits. When we did this, we found that were buying much more than we needed.

Today you have an easy way of dealing with your spending. Never go inside a store. Make a list of what you need. Order it from the store. Pay for it, and either have it delivered, or pick it up at the store.

I'm not a fan of buying a new car, but I'm also not a fan of buying someone else's problems. If you have a car with a large payment and/or a large repair bill, a lot of credit card debt, and other loans, find a credit counselor. My credit union has one, and many churches can help you find one.

Are you buying 200 diapers/wk or $200 worth of diapers per week? If your children are over two years old, they should be potty trained. At the most there you should need one overnight per child over two years old. That's seven per child, per week. Take the time to train every child over a year old. It's worth ever minute you spend and you will free up a lot of money for your real needs.

New clothes come from the thrift store. When your children have outgrown their clothes, donate them to a parent in need, and take a shopping trip to the nearest thrift shop. Our church association maintains a community thrift shop that also stocks food items for those in need.

Daycare is expensive. If one of you with the lowest income, make less than twice the cost of day care, he/she will be better off to stay at home. The children will do better. It will also improve your husband's health.

I suggest that you and your husband take the next few weeks, and pray for God's guidance in everything your family needs to do.

Lol you obviously don't have kids. I can't be a full time mom and a full time employee. I have a 1 year old so not only is it unfair, but actually dangerous.

200 a week for food and diapers/wipes. I do actually agree about the husband going when sick but...I have an extremely high pain tolerance and never call off when sick since I wfh.

I'm not an addict. I'm not spending money on myself. I'm working full time. So I'm not sure why so the talk about excuses 🤔 Apparently bc you're a "rich man." Enjoy it then.

Lol you obviously don't have kids. I can't be a full time mom and a full time employee. I have a 1 year old so not only is it unfair, but actually dangerous.

200 a week for food and diapers/wipes. I do actually agree about the husband going when sick but...I have an extremely high pain tolerance and never call off when sick since I wfh.

I'm not an addict. I'm not spending money on myself. I'm working full time. So I'm not sure whyI raised 2 kids and 2 so the talk about excuses 🤔 Apparently bc you're a "rich man." Enjoy it then.

We're what today calls a minamilist family so... we really don't buy much. I hate toys (only get a couple for Christmas & birthdays). We do go to zoos, trampoline parks, etc. But that's bc we never get an actual vacation.

I thrift the kids clothes. I give them back and get store credit for more. Clothes for them are super cheap. I don't buy clothes for myself.

The 200 a week is for food and diapers/wipes. The only one in diapers is my 1 year old.

The money struggles come from things breaking... heater, fridge, car, etc. It also comes from health issues. But... there's nothing to really do about that.

I did recently get rid of credit cards by doing a personal loan (much lower interest percentage). Hopefully that helps... but it just seems never ending.