The word struggling is so often tied to artist. Sites like Etsy, to go-to for handmade products, can help you launch your small business. But dont forget the importance of social media, a polished website and old-fashioned networking. Arnold works on a mural for a new business that is opening up. She has also illustrated books and created custom pet portraits for customers. Chris Zuppa/The Penny Hoarder Heres how three creators forged ways to make money as an artist....

you’re gonna wanna find a job with a stable income. you gotta decide how much you want to save for retirement. This isnt meant to scare you its just meant to show you how important this decision is! Thankfully, in this digital age, its never been easier or more affordable to get life insurance. Prices start at $9 a month. Even better: Theres no medical exam required for healthy people....

Time flies, and the end of the year will be here before you know it. Nows the time to make a few smart money moves before 2021 comes to a close. Here are ten strategic steps you should take if you want to start 2022 strong. Use it or lose it! Leave Your Family up to $1.5M Oh, to be a millionaire. Look, not all of us have the money to set up trust funds for our loved ones....

Do you have any idea how much money you should have saved right now? So, how much do you really need to have saved right now? When youre 30 years old, experts recommend having one years salary saved. Getty Images So if youre making $50,000, you should haveat least$50,000 saved. So are you close? Or are you a few zeros or commas away? If youve got money youve already invested, consider riding it out....

Lenders still want to make money off your investment, and sellers still want to offload their houses. So it wants some protection in the event you default. Thats where mortgage insurance comes in. Getty Images What Is Mortgage Insurance? And its not optional. No Interest Til Almost 2027? If that happens, PMI limits the lenders losses. Carrying required PMI doesnotprotect you if you fall behind on payments. Borrower-Paid Mortgage Insurance...

SoLyftandUberare stepping up to provide free and discounted rides to the polls through election day, Nov. 3. Heres how you could get cheap or free rides to vote. It also applies on bikes and scooters. No Interest Til Almost 2027? Offering transportation discounts on Election Day is not new for ride-hailing apps. Both Lyft and Uber and the car-sharing company Zipcar offered free and discounted trips during the 2016 presidential elections....

This year hasnt exactly been gumdrops and sugar plum fairies, after all. COVID is still a huge problem, so the weather out there isfrightful. Are you worried you cant afford to spoil your loved ones the way they deserve? Get Creative Cant afford to buy gifts? You dont have to be Martha Stewart, either. Its more about the gesture than making some kind of perfectly crafted artisanal present. Here are just a few ideas....

If youre like many people, you probably drink coffee every day. That can add up especially if yourereallyinto coffee. Wed never, ever tell you to give up your habit (we have the same one! How can you tell whats good? Do more expensive beans equate to better flavor? And how can you tell which inexpensive brand is best? As a result, it tends to be more expensive. On the other hand, a blend of coffee beans are usually cheaper....

Paying off $19,000 of debt in well under a year is a huge accomplishment. For that, Id give you a high-five or maybe a pandemic-friendly elbow bump if I could. I think you should makebuilding an emergency fundthe priority. Keep making minimum payments on all your debt, of course. But beyond that, focus on saving enough so you have at least a three-month cushion. Our team has compiled alist of creative waysyou can fatten your bank account this week....

I was given a wrong diagnosis, Eckstein said. So I called a dermatologist and told them what was happening and they saw me virtually the next day. The telehealth appointment process was seamless for Eckstein, and the visit saved her time, money and travel. Missy Eckstein had a virtual appointment with a dermatologist about a rash on her face after receiving a wrong diagnosis from her local urgent care facility. The telehealth appointment process saved her time, money and travel....

COVID-19 isnt just a threat to your health its been a killer for the economy as well. Millions of us are struggling to pay our bills. So if youre having trouble paying your bills, youre not alone. Weve got four quick tips to help you make ends meet: 1. Cancel Your Car Insurance Heres the thing: your current car insurance company is probably overcharging you. But dont waste your time hopping around to different insurance companies looking for a better deal....

If youre trying to build wealth, you wont have much luck with todays measly interest rates. Like, 1 in 300 million slim. But are there any other options that dont require a huge buy-in? Yes, there totally are, and one of them is a free banking app called PrizePool. Just for using the account. Unlike playing the lotto, you dont stand to lose anything. Not to mention your odds are way better....

Its hiring season again. Those sales fueled tons of jobs. In a typical year, hiring season is a good time to be a job seeker. But this year is anything but typical. (The job market) has most definitely changed. The usual suspects are still hiring in really large numbers. But bluntly, its a lot less. Higher Demand for Fewer Jobs The economic fallout from the coronavirus has decimated small businesses....