When you set out to get a mortgage, you’ll find many options, from well-known banks to online lenders. Here are Bankrate’s picks for the best mortgage lenders, including borrower requirements — so you know which you might qualify for — and loan terms, so you can figure where you might get the best deal.
Best mortgage lenders
PNC Bank
PNC Bank mortgage review
Availability
Available in all U.S. states
Loans offered
Conventional, jumbo, FHA, VA, USDA
Credit requirements
620 for conventional, jumbo and FHA loans; 640 for USDA loans
Down payment minimum
3% for conventional loans; 3.5% for FHA loans
Where to find
Branch locations and online
Cardinal Financial
Cardinal Financial mortgage review
Availability
Available in all U.S. states
Loans offered
Conventional, jumbo, FHA, VA, USDA
Credit requirements
580 for conventional and USDA loans; 550 for FHA and VA loans
Down payment minimum
3% for conventional loans; 10% for jumbo loans; 3.5% for FHA loans; none for VA and USDA loans
Where to find
Branch locations and online
NBKC Bank
NBKC Bank mortgage review
Availability
Available in all U.S. states
Loans offered
Conventional, jumbo, FHA, VA
Credit requirements
620 for conventional, FHA and VA loans; 680 for jumbo loans
Down payment minimum
3% for conventional loans
Where to find
Branch locations (limited) and online
U.S. Bank
U.S. Bank mortgage review
Availability
Available in all U.S. states
Loans offered
Conventional, jumbo, FHA, VA, USDA
Credit requirements
620 for conventional loans; 740 for jumbo loans
Down payment minimum
3% for conventional loans; 3.5% for FHA loans; none for VA and USDA loans
Where to find
Branch locations and online
Valley Bank
Valley Bank mortgage review
Availability
Available in all U.S. states
Loans offered
Conventional, jumbo, FHA, VA, USDA
Credit requirements
Undisclosed
Down payment minimum
3%-5% for conventional loans
Where to find
Branch locations (limited) and online
Veterans United Home Loans
Veterans United Home Loans review
Availability
Available in all U.S. states
Loans offered
Conventional, jumbo, FHA, VA, USDA
Credit requirements
620 for conventional and VA loans
Down payment minimum
3% for conventional loans; 3.5% for FHA loans; none for VA and USDA loans
Where to find
Branch locations and online
Summary: Best mortgage lenders of May 2023
Lender
Credit requirements
Down payment minimum
Bankrate review
PNC Bank
620 for conventional, jumbo and FHA loans; 640 for USDA loans
3% for conventional loans; 3.5% for FHA loans
PNC Bank mortgage review
Cardinal Financial
580 for conventional and USDA loans; 550 for FHA and VA loans
3% for conventional loans; 10% for jumbo loans; 3.5% for FHA loans; none for VA and USDA loans
Cardinal Financial mortgage review
NBKC Bank
620 for conventional, FHA and VA loans; 680 for jumbo loans
3% for conventional loans
NBKC Bank mortgage review
U.S. Bank
620 for conventional loans; 740 for jumbo loans
3% for conventional loans; 3.5% for FHA loans; none for VA and USDA loans
U.S. Bank mortgage review
Valley Bank
Undisclosed
3%-5% for conventional loans
Valley Bank mortgage review
Veterans United Home Loans
620 for conventional and VA loans
3% for conventional loans; 3.5% for FHA loans; none for VA and USDA loans
Veterans United Home Loans review
How to compare mortgage lenders
Your first step to finding the best mortgage lender is to comparison shop. Borrowers who do more upfront research tend to save more money than those who go with the first lender they find. It’s best to get quotes from three lenders, at minimum. Because rates fluctuate frequently, it’s best to get these quotes on the same day so you have an accurate basis of comparison.
As you compare loan estimates, look at the APR (annual percentage rate) and interest rate quoted by each lender. Consider what’s important to you as far as experience, too. For some, how fast a lender can turn around a preapproval letter or close a loan is critical. If you have specific needs or financing preferences — for example, you want an FHA loan — you might also want focus on the top mortgage lenders who specialize in those products.
Once you determine what your needs and preferences are, get started by comparing mortgage rates and finding a lender in your area through Bankrate.
Current mortgage rates
Bankrate regularly publishes mortgage rates for purchases and refinances, based on its latest lender surveys. They include:
FAQ about mortgages
There are five main types of mortgage loans: conventional loans; jumbo loans; government-insured loans (FHA, VA and USDA loans); and fixed- and adjustable-rate mortgages. Conventional loans, offered by private financial institutions, are ideal for borrowers with strong credit scores. Jumbo loans are for higher-priced homes that exceed Federal Housing Finance Agency borrowing limits. FHA, VA and USDA loans are backed by the government and designed for borrowers with lower credit scores and low or no down payment, or military members (VA loans) or those buying in a rural area (USDA loans). Fixed-rate mortgages have the same interest rate for the life of the loan, while the rate on an adjustable-rate mortgage (ARM) can fluctuate.
Before applying for a mortgage, it’s important to bolster your credit score and savings and have a clear understanding of how much you can afford and what type of loan would best fit your needs. In addition, gather documentation about your finances so you’re prepared to complete a mortgage application when the time comes. Once you’ve taken these initial steps, begin comparing mortgage lenders based on factors such as annual percentage rate (APR), fees and your overall experience. It’s best to get rate quotes from at least three different lenders. When you know which lender you want to work with, get preapproved so you can start house-hunting with financing in hand.
The minimum down payment requirement varies based on loan type. If you qualify, you can obtain a 3 percent-down conventional loan, a 3.5 percent-down FHA loan or a no-down payment VA or USDA loan. If you want to avoid paying mortgage insurance, however, you’ll need to make a down payment of 20 percent.
Methodology
To determine the best mortgage lenders, Bankrate evaluates more than 85 lenders for factors relating to affordability, availability and customer experience, assigning each a Bankrate Score out of five stars. Based on this methodology, the best mortgage lenders generally have a Bankrate Score of 4.9 stars or higher. Note: The Bankrate Score considers a mortgage lender’s products and services only; it is not a reflection of a lender’s internal operations or practices.
Whether you want to learn how to get $20 in 5 minutes or if you have a little more time such as a day or even a week or so, there are many ways to learn how to make $20 fast so that you can make extra income and real money.
Earning an extra $20 through PayPal may seem like a daunting task at first when you are in real need of making money fast, but it is doable.
In this article, I’ll introduce a few simple ways to get $20 in your PayPal account, allowing you to use the extra cash for whatever you need.
Whether you have a last minute bill that you need to pay, or if you are looking to put a little extra money into your savings (for example, maybe you’re just looking to put an extra $20 a week towards a vacation fund), there are many ways to make $20 right now.
You may decide to find a part-time gig answering questions online, freelance writing, dog sitting, or more. These are just a couple of the many ways to earn $20 with PayPal.
Some of the ways mentioned today may allow you to work from home, such as from your cell phone or your laptop.
Related content:
How To Get $20 PayPal Right Now
Quick Online Methods to Get $20 PayPal Now
There are many sites that may allow you to make $20 fast, and all from home. Some quick online methods that you can do starting today include the below.
Swagbucks
Swagbucks is one of my favorite websites to make easy money online, as it offers a variety of tasks like watching videos, taking surveys, playing games online, and searching the web.
I usually earn points and redeem them for PayPal cash or free Amazon gift cards (I’ve actually earned over 110 gift cards from Swagbucks!), and with a good number of things you can do to earn points available, getting $20 is doable in a short amount of time.
You can join Swagbucks by clicking here and get a free $10 sign up bonus.
Survey Junkie
By taking surveys on Survey Junkie, you earn points that can be converted into PayPal cash, helping you to quickly reach your $20 goal. The surveys are easy to complete and allow you to share my opinions on different topics.
You can sign up for Survey Junkie by clicking here.
Branded Surveys
Branded Surveys is another survey platform that can help you earn extra money. After earning Branded Surveys points, you can cash out via PayPal. There are over 3,000,000 users who take surveys on this website, so it is very popular!
You can sign up for Branded Surveys by clicking here.
American Consumer Opinion
As a member of American Consumer Opinion, you get the chance to participate in product testing, surveys, and even earn cash for referring friends.
You can typically earn anywhere from $1 to $5 for a survey, which mainly depends on the length of the survey. Longer surveys typically pay more than shorter ones.
You can sign up for American Consumer Opinion by clicking here.
Ibotta
Ibotta is a cash back website that gives you a $10 sign up bonus for signing up once you spend $30. You can get cash back for shopping at stores such as The Home Depot, Best Buy, Chewy, Walmart, Old Navy, and more.
You can sign up for Ibotta by clicking here.
MyPoints
As an online reward platform, MyPoints can be a useful tool for you to make extra money through surveys, online shopping, and even watching videos.
By completing various tasks and earning points, you’re able to cash out your earnings to PayPal and make $20 in a short amount of time. They have given out over $236,000,000 in rewards over the years.
You can sign up for MyPoints by clicking here.
User Interviews
User Interviews can help you to make extra money by participating in online research studies and interviews. With a variety of interesting topics and user-friendly platform, making $20 and getting paid through PayPal is an achievable goal, as there are many focus groups on this website that pay over $100 per hour.
They launch over 2,000 studies each month and are always looking for new participants.
You can sign up for User Interviews by clicking here.
You can learn more about the highest-paying survey sites and how to test new products at 18 Best Paid Survey Sites To Make $100+ Per Month.
Freelance Opportunities for $20 PayPal
Another option is to take on some freelancing jobs. By freelancing online, you may be able to earn $20 by the end of the week (and usually much more money!).
See what skills you have to offer, and then list your services online.
Fiverr
Fiverr is a platform to offer your services and quickly make $20 with PayPal as a payment method.
There are many different categories to choose from, such as graphic design, voice over, illustration, writing, translation, online tutoring, and marketing. You can click here to see the many different types of job categories that they have listed on their website
You can set your own prices and gig extras to maximize your earning potential. When you complete your tasks, and the clients approve them, the payment gets transferred to your PayPal account.
Freelance Writing
A freelance writer can easily earn $20 fast. A freelance writer may write for many different types of clients, such as a website, magazine, marketing department, book publishers, and more.
You may be writing articles, blog posts for SEO, marketing content, newsletters, press releases, and so much more.
You can learn more in my article 14 Places To Find Freelance Writing Jobs – (Start With No Experience!)
Proofreading
As a proofreader, you are looking for misspelled words and punctuation mistakes in written content such as articles, blog posts, advertisements, resumes, and newsletters.
You can learn how to find jobs at 20 Best Online Proofreading Jobs For Beginners To Earn $40,000+ Each Year.
Alternative Ways to Earn $20 PayPal Fast
If you want to learn how to make $20 fast, there are many other ways to make this possible.
Below, I will be talking about how you can sell your stuff online, micro-investing, getting cash back when shopping online, renting out a spare room, pet sitting, and even getting a personal loan.
Sell Your Stuff Online
One method for earning $20 on PayPal is by selling your used and unused items online. You may be able to sell an old cell phone that is sitting around (such as from maybe when you upgraded your last phone, or if you even have an old phone that has a cracked screen), clothing, jewelry, appliances, and more.
Many platforms, such as eBay, Poshmark, Facebook Marketplace, Craigslist, and Decluttr, allow you to create listings and accept payments through PayPal.
This not only helps you to declutter your space but also turns your belongings into some extra cash. Plus, you can get $20 instantly by doing this as there are probably many items in your home that you can sell right at this very moment.
Acorns Micro-Investing
Acorns allows you to link and round up transactions from both debit and credit cards and essentially invest their spare change. Acorns also does 2x, 3x, and 10x multipliers on round-ups so you can maximize your investments and have a more diverse portfolio.
For example: If you use a linked card to buy a $4.22 latte, Acorns will round it up to $5 and invest the $0.78 difference. Turning on round-ups will increase your investment to $1.56, $2.34, or $7.80.
You can click here to sign up for Acorns.
Shopping Online with Rakuten
Rakuten is a cashback website. You can earn cashback for simply shopping online.
By signing up for Rakuten today, you can also get $30 as a welcome bonus after you spend $30.
Plus, this is for shopping online at many of the stores that you probably already shop at, such as Walmart, Target, Best Buy, Old Navy, Chewy, and more.
You can learn more and sign up here.
Rent out a spare room
If you have a spare room in your home, you may want to consider renting it out on platforms such as Airbnb or finding a long-term roommate to make extra money.
This will, of course, earn you much more than $20, but I wanted to mention this here because it can be a way to make consistent money each month if you are looking for more ways.
To learn more about renting out your spare room, please read A Complete Guide To Renting A Room To Make Extra Money.
Babysitting and Dog Walking
Another way to make quick money is by babysitting kids or providing dog walking services in your local area.
Websites such as Care and Rover make it easy to connect with families in need of a babysitter or a pet owner looking for a dog walker or pet sitting.
You may be watching the children or pets in your own home or their customer’s home – it simply depends on what type of service you want to offer. Sometimes people like to be in their own home, whereas other times maybe you would rather go over to the client’s home for the services.
The gig economy has been a fantastic option for earning extra money, and these platforms make it easy to get paid through PayPal, direct deposit, or cash.
Albert – quick personal loan
If you need cash now and the above options will not work for you, a company called Albert may be able to give you a small advance of up to $250.
There are no late fees, interest, or credit check. If you want to avoid personal loan lenders who have high interest rates, and only need a small cash advance, then Albert may be a place to start with. Albert is available in the App Store and Google Play. How this works is that they send you $250 from your next paycheck. You simply repay them when you receive your next paycheck.
You can learn more about Albert here.
What app can I get $20 from?
There are many apps that can help you learn how to make $20 right now.
These may include:
This may be available on your laptop, tablet, or cell phone (Android or Apple).
How can I get $20 right now?
If you want to learn how to get $20 right now, then I hope you enjoyed today’s article and are able to try a few of the options listed above.
There are many other ways to get $20 in PayPal right now, from taking up side hustles to searching for free money in your spare time.
From earning sign up bonuses from a simple online purchase to selling your used items on Facebook Marketplace to taking online surveys to taking on odd jobs, there are many ways to earn $20 fast.
Whether you are looking for $20 in PayPal cash, a direct deposit of $20, or visa gift cards, there are many ways to earn $20 and more quickly.
Do you want to learn how to get $20 PayPal now? What tips do you have to share?
“Single-family starts are showing gradual improvement from the beginning of the year, and this is reflected in our builder sentiment surveys, which are up for five consecutive months,” said Alicia Huey, chairman of the National Association of Home Builders (NAHB). “Due to a lack of inventory for resales, we expect to see further improvement for … [Read more…]
Mortgage activity slowed last week, as higher interest rates left buyers sidelined, according to the Mortgage Bankers Association.
The MBA’s seasonally adjusted Market Composite Index, a weekly measure of loan application volumes based on surveys of association members fell 5.7% from the prior seven-day survey period. The decline continues a spring trend of regular fluctuations in the number of incoming applications. One week earlier, the index had climbed up by 6.3%. On a year-over-basis last week’s activity fell 32.8%.
“Mortgage application activity slowed, as most mortgage rates in the survey increased, with the 30-year fixed rate jumping 9 basis points to its highest level in two months at 6.57%,” said Joel Kan, MBA vice president and deputy chief economist, in a press release.
One week prior, the average 30-year conforming rate came in at 6.48%. Meanwhile, points used for the 30-year conforming mortgage with balances below $726,200 remained at 0.61 for 80% loan-to-value transactions.
The average contract rate of the 30-year jumbo mortgage with balances exceeding the conforming amount also headed up 13 basis points, rising to 6.46% from 6.33% seven days earlier. Points decreased to 0.38 from 0.51 for 80% LTV loans.
“Mortgage rates increased last week even as Treasury yields were essentially flat, with the spread between the two rates widening to 310 basis points,” he said. A wider spread may point to broad concerns among investors regarding future volatility, possibly related to a potential government debt default.
Kan recently pointed out the highly rate-sensitive nature of mortgage borrowers today, particularly among consumers looking to purchase. Rate increases helped drive the Purchase Index down 4.8% on a seasonally adjusted basis from the last survey to its lowest level in a month, Kan said. Compared to the same week in 2022, purchases came in 26.5% lower.
“Buyers remain wary of this rate volatility,” he said, but also added that “for-sale inventory in many parts of the country remains scarce,” leaving them with fewer purchase opportunities. Researchers across the housing industry are similarly noting the impact of short supply on business volume, as well as the availability of mortgage credit.
The Refinance Index, meanwhile, fell even more sharply, coming in 7.7% lower week over week. Volumes declined 43.4% from the same seven-day period a year ago, when interest rates were still well under 6%.
“Most borrowers have lower rates on their mortgages, and those who are in the market are extremely rate sensitive,” Kan said.
Refinances accounted for 27.4% of total volume, slipping from 28% a week earlier. Adjustable-rate mortgages, which typically see greater uptake as rates head higher, bucked the trend, with a 6.5% share compared to 6.8% in the prior weekly survey.
As refinance activity shrunk, so did the average amount reported on new applications. The mean size of refinances fell almost 6% to $261,300 from $277,900. But the average purchase-loan amount was virtually unchanged, coming in at $440,400 compared to $440,700 the previous week.
Across all applications, the average amount applied for was $391,300, a 0.9% decrease from one week earlier.
Federally backed loans took a larger step back than the composite market, with the seasonally adjusted Government Index falling by 8.9% from the previous survey period. The share of government-sponsored activity, likewise, dipped relative to overall activity.
While Federal Housing Administration-guaranteed applications slipped back to a 12% slice of activity from 12.1% a week earlier, loans backed by the Department of Veterans Affairs took a bigger tumble, landing at a 12.2% share from 12.9%. Mortgage applications coming from U.S. Department of Agriculture programs took the same 0.4% piece week over week.
FHA-backed mortgages saw the only decrease in home loan rates tracked by the MBA. The average contract rate inched down 2 basis points to 6.39% from 6.41% a week earlier among MBA lenders. Points used by borrowers also decreased to an average of 0.97 from 1.01 for 80% loan-to-value ratio loans.
The average 15-year contract rate managed to stay under the 6% mark, but still rose 5 basis points from the prior survey to 5.96% from 5.91%. Points increased to 0.68 from 0.58.
Meanwhile, the 5/1 ARM saw its average rate leap 36 basis points to 5.71% from 5.35% seven days earlier. Borrowers drove points used up to 1.1 from 0.79. This particular type of adjustable-rate mortgage stays fixed for half a decade before becoming variable based on market conditions.
You think things are bad in the housing market now? Stick around and see if mortgage rates climb into the 7% range.
If it happens, the current origination forecast of $2.2 trillion in 2023 will look awfully rosy. Even the most battle-tested industry players are preparing for one of the strongest housing market corrections in decades.
Federal Reserve Chairman Jerome Powell sent a clear message during a press conference following the announcement of the central bank’s decision to hike the federal funds rate by 75 basis points on Wednesday: the ongoing housing market correction, which brought the largest mortgage rates increase in four decades, is far from at an end.
“Builders are having a hard time finding lots, workers and materials,” Powell said. “For the longer term, what we need is supply and demand to get better aligned, so house prices go up at a more reasonable pace and people can afford houses. Probably, the housing market needs to go to a correction to get to that place.”
So far, the tightening monetary policy led the 30-year fixed mortgage rate to 6.29% this week, up 27 basis points from the previous week, the Freddie Mac’s Primary Mortgage Market Survey (PMMS) showed on Thursday. A year ago at this time, rates averaged 2.86%.
“The housing market continues to face headwinds as mortgage rates increase again this week, following the 10-year Treasury yield’s jump to its highest level since 2011,” Sam Khater, Freddie Mac’s chief economist, said in a statement. “Impacted by higher rates, house prices are softening, and home sales have decreased. However, the number of homes for sale remains well below normal levels.”
Some market watchers were hoping to see Powell express some willingness to tone down the tightening. These observers were based solely on the expectation that existing policies will have the desired effect to bring inflation closer to the 2% target, according to Matt Graham, founder and CEO at MBS Live.
“But the biggest takeaway for the mortgage industry is that Powell remained completely unflinching in his commitment to hike rates as much as it takes to tackle inflation,” Graham said. “Between yesterday afternoon and today, the entire financial market is in the throes of adjusting to that new reality. Mortgage-backed securities are right about the worst place on the duration spectrum for this move. Freddie’s weekly survey is hopelessly low today – actual 30-year-fixed rates are well over 6.5% now.”
Where did the ‘correction’ bring us?
Freddie Mac’s index compiles only purchase mortgage rates reported by lenders during the past three days. Other estimates, however, show that rates are even higher.
The 30-year fixed mortgage rate was at 6.62% on Thursday afternoon, up 20 basis points compared to the previous day, Mortgage News Daily reported.
According to Bankrate.com, which surveys from the 10 largest banks, the primary mortgage rates are currently hovering around 6.4%. Rates are up over 300 basis points year-over-year, the largest trailing 12-month increase since the early 1980s, analysts from the investment banking firm Keefe, Bruyette & Woods wrote in a report on Wednesday.
“This creates a very challenging environment for volume-sensitive businesses such as mortgage originators and title insurers,” the analysts said. “Given the magnitude of the move in rates, we think there could be a downside to current estimates for industry volumes in 2023.”
Fannie Mae’s latest forecast, which was published this week, projects total mortgage origination activity at $2.44 trillion in 2022 and $2.17 trillion in 2023.
With rates at this level, the entire mortgage market is 150-200 basis points (or more) out of the money to refinance, KBW analysts said. In addition, purchase activity has also declined materially in recent weeks. The Mortgage Bankers Association purchase index is currently 21% below 2021 levels and 26% below 2019 levels.
To understand the impact on borrowers, this week’s increase in mortgage rates to 6.29% resulted in a monthly payment on a $400,000 loan of about $2,470, compared to $1,660 a year ago, according to Nadia Evangelou, National Association of Realtors senior economist & director of forecasting, said in a statement.
“Owners may be locked into their existing homes as mortgage rates rise, and the 3% rates from last year may not be back anytime soon. While the nation suffers from a severe housing shortage, lower mobility can make housing inventory even tighter and cause home prices to continue escalating.”
However, the median-priced home is worth about $80,000 more than in 2020 and $200,000 more than in 2012. “Thus, having positive equity in one’s home may ease the effects of rising mortgage rates on mobility.”
Where is the housing market heading?
Looking ahead, loan officers have started to expect mortgage rates at the 7% level, a sign that the housing market correction will bring even greater affordability challenges in the year to come.
“After the Fed raised rates yesterday, we now see the 10-year Treasury up today at 3.697%. My guess is that traditional lenders will most likely be charging points to stay in the high 6’s or pushing into the 7’s now,” said Blake Bianchi, founder and CEO at Boise-based brokerage Future Mortgage. “Mortgage brokers like us are most likely in the low-mid 6s on a primary residence.”
Bianchi said that in the current landscape, rate shopping has become more critical than ever, as saving half a percent or paying no points can financially impact buyers in this market. “The good news is that we see it is driving down prices, so buyers can get into a home for a better price and less competition and hopefully refinance later to improve their loan situation,” he said.
Sean Grapevine, a branch manager for UMortgage based in Atlanta, said Wednesday’s Fed decision pushed rates up by 50 to 75 basis points over the last couple of weeks, which is not entirely bad for the housing market.
“Rising rates from the Fed do cause some temporary pain as people adjust to the differences, but a few years of 5-7% interest rates on mortgages are going to be good for the economy, great for buyers, as demand becomes less insane, and more sustainable long-term,” he said.
Content marketing is a strategy that focuses on the creation and sharing of blogs, newsletters, videos, podcasts and other content that is useful to a business’s target audience. Business websites, social media platforms and email are often used to share this content, either directly or through embedded links.
When done correctly, content marketing can drive results that will ultimately boost a business’s sales and revenue. Here’s what you need to know when creating your content marketing strategy and how it fits into your business’s larger marketing goals.
What is content marketing?
Content marketing is a type of online marketing that uses written text along with video and audio media to capture the interest of a target audience. To do this, the content needs to be relevant and also offer something of value to readers, viewers and listeners. Content marketing can help a business develop and support its brand, demonstrate its expertise in the industry and keep its name in front of potential customers.
Benefits of content marketing
A business may want to consider including content marketing in its overall marketing strategy as a way to help:
Increase brand awareness.
Improve rank on search engine results pages.
Drive more visitors to its website.
Build stronger customer loyalty.
Add contacts to its database.
Generate new sales leads.
Increase sales and revenue, indirectly.
Types of content marketing
Written, visual and audio materials are all generally used in a business’s marketing efforts. What makes the materials used in content marketing different from other forms of marketing is that they don’t directly promote products or services, but instead focus on providing something useful to the target audience.
Blog articles
Articles are a staple of many content marketing plans. In addition to being available on a business’s website, articles can be highlighted and shared through social media posts and emails. Choosing topics that relate to your business can help to highlight your expertise in the industry, improve rank in search engine results and differentiate you from the competition.
Newsletters
Newsletters are a strong digital marketing method that’s often coordinated with email marketing. Email campaigns can be developed with the sole purpose of sharing a business’s newsletters. Social media platforms are popular ways to highlight your newsletter and share links to it. Newsletters can also be used to grow your contact database through sign-up forms offered on your website.
Social media posts
Posts on social media platforms can be used to highlight your industry expertise through relevant quotes and thoughtful comments and observations. Sharing behind-the-scenes photos of your business and employees can help demonstrate your culture and give your audience a better understanding of your unique business. Posts can also be a way to share links to new blogs, newsletters, videos and other types of content marketing.
Videos
Content marketing videos can be created to demonstrate products, provide step-by-step instructions and offer expert interviews, among other things. They can be as short as 15 to 30 seconds or run for a number of minutes. Checking a platform’s recommendations can help you choose an appropriate length. In addition to being posted on video-sharing sites, videos can be shared through other social media posts, email, newsletters and on your website.
Email
Emails can provide relevant industry news and other information that would be of interest to your target audience — in addition to introducing and providing links to other content such as newsletters, videos, surveys and e-books. When using email for content marketing, common call-to-actions such as “buy now”, “purchase here” and “order now” will typically be replaced with text such as “learn more,” “share” and “join.”
Infographics and other types of written content
Infographics, a visual representation of information and data, can grab your audience’s attention and are easy to share. Surveys, quizzes, checklists, games, calculators and tools are just some of the other types of written materials that can be created to share in content marketing — as long as they have value to your target audience and relate to your business.
White papers, e-books and presentations
White papers, e-books and presentations offer more in-depth content that can help establish the industry expertise of your business. They are often used to educate the audience on a particular topic and may be especially appealing to your ideal customer. It’s common to offer these materials free in exchange for the readers’ contact information. They can be shared through social media posts, emails and your website.
Podcasts
Podcasts, another type of content that can be used to demonstrate your expertise, can also help build brand loyalty, increase traffic to your website and add contacts to your database. Picking important topics that offer a learning experience for your audience can help establish you as a thought leader. Good audio quality is important when using this type of content, and your podcasting schedule can be shared through social media, email and other channels.
Webinars
Webinars can be used in ways similar to podcasts such as to raise brand awareness and generate leads for your business. However, live webinars can also provide an opportunity for you to engage directly with attendees. Again, select an interesting topic for your webinar that will offer a learning experience for your audience. Live webinars can be recorded, then shared through email, social posts and on your website.
Content marketing strategy
Focusing on the following elements can help you develop a content marketing strategy that prioritizes the needs of your audience but still falls within your marketing budget.
Goals: Keep them realistic
The primary purpose of content marketing is to attract and engage your target audience. Increased brand awareness and stronger customer loyalty are some benefits of content marketing, but they are also difficult to measure and take time to fully develop. Keep this in mind when setting goals. For example, a goal to have three videos “go viral” to build brand awareness would be difficult to measure and generally unrealistic for a business that doesn’t have a large social media presence. A more realistic and measurable goal might be to increase traffic to your website by a set percentage.
Budget: Factor in all the costs
Some types of content are more expensive to use than others once you factor in all the costs associated with creating, sharing and managing it. For example, committing to the creation of a weekly podcast and outsourcing the production would likely be quite expensive. In contrast, if you already have a writer on staff and an email marketing platform to engage your audience, creating a blog article can be a relatively inexpensive way to increase your outreach.
Audience: Review your target audience
Review the characteristics of your target audience and use the information to guide the types of content you want to create and your selection of channels for sharing. When your customers are primarily other business owners, for example, you might use email to share links to webinars, white papers and presentations. Or, if your target audience is predominantly young, then you may want to share links to infographics, surveys and quizzes through social media posts.
Content: Focus on quality
Engaging content is important to a successful marketing strategy. Prioritizing quality over quantity can lead to better results. Keep this in mind when determining what to create and how frequently. Marketing software with features such as artificial intelligence writing assistants, prebuilt templates and digital design tools can help you create content. If you choose to use these tools, include the additional cost in your budget.
Tracking: Identify key metrics
Some of your goals may not be tied to metrics, but you do want to track the success of your efforts where possible. Increased website traffic, higher search rankings for keywords associated with your business and a growing contact database can confirm the effectiveness of your efforts.
Google Analytics, social media platform tools and other marketing tools can help you track key metrics and identify successes that you may want to replicate in the future. For example, if an infographic shared on social media received a high number of likes, then creating additional infographics might also be well received.
Tips when creating content
Here are some tips that can be helpful when creating content for your marketing efforts.
Stay true to your brand
Your brand is composed of a number of elements, and the content you create should reflect those elements. Following your brand guidelines as far as colors, fonts, imagery and logos helps in building and maintaining a brand. Your brand voice, the language and personality used in communications, also needs to be clear and consistent in content and other marketing assets.
Keep it relevant, useful and authentic
Content that has value to your target audience is vital to successful content marketing efforts. Selecting topics that are relevant to your target audience gives you the opportunity to provide information they can use. Because content marketing is about building a relationship with your audience, steer clear of content that directly promotes sales, doesn’t deliver on its promise and isn’t helpful to your audience.
Customize your content for each channel
Sharing similar content on all your social media platforms, or crossposting, can save time and help you streamline your efforts. However, making a few edits to customize the content for each channel can help keep your audience engaged. Also, make sure the post is also appropriate for the channel. For example, a post for LinkedIn may not work well on Instagram.
Fully utilize content
Crossposting is not the only way to maximize the use of content you’ve created. Direct quotes from a blog article can be included in the email and social media posts used to share it. Blog articles could be created to summarize the information in white papers and podcasts. And inspiration can be drawn from webinars and other presentations to create related infographics, quizzes and tools.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Yep, you are reading this because you need an extra $300 ASAP.
In this post, you will learn the exact ways I have made 300 dollars fast or other methods that I truly know that work. Around here at Money Bliss, we research everything! That way we know you can put in the hustle and make it happen, too!
But with so many ways of making money on the internet these days, which one is best for your situation?
Hey, do you ever wonder how some people seem to make money the way they do?
It’s not by getting lucky–you’ve got to be smart about it.
I’ve looked at different options and ranked them from my favorite method all the way down to what I think is least desirable in terms of time investment and return.
Let’s get started…
How can I make $300 right now?
There are multiple ways to make $300 in a day.
You have to decide what works best for you! Preferably it would be a way that you naturally find enjoyment.
Even better, if you find a way to make 300 dollars fast that you can do repeatedly – that is called passive income.
What are ways to make money fast?
With so many ways to make money, sometimes figuring out what you should do can be a little overwhelming.
There are plenty of ways to make money fast.
You have to decide what you want to do.
35 Specific Ways on How to Make 300 Dollars Fast
Let us break it down for you with some of the most common and well-known methods of earning money.
For each way to earn 300 dollars in 24 hours, we will provide tips on how you could go about doing it.
1. Get a part-time job
One way is to get a part-time job.
You can look online or walk around any business for job postings.
Right now, there are SO MANY places that are DESPERATE for workers! You can easily find a part-time job making $15 an hour to $20 an hour.
2. Do a No-Spend Challenge – Budget to Find $300
A no-spend challenge is a great way to save money fast. I guarantee you can find $300 from your spending.
During a no-spend challenge, you commit to not spending any money on non-essential items for a set period of time. This can be anything from a week to a month.
There are a few different ways you can approach a no-spend challenge. One option is to cut out all non-essential spending for the duration of the challenge. This includes things like eating out, entertainment and shopping for new clothes. Another option is to allow yourself a set amount of money to spend each day during the challenge. This could be $10 per day or $50 per week.
No matter which approach you take, a no-spend challenge can help you save money fast. It’s also a great way to get creative and find new ways to have fun without spending money.
3. Open A New Bank Account & Get a Cash Bonus (Yes, get 300 dollars free)
A simple way to make money fast is by opening a new bank account. In fact, I just did this and received $300!
One way is to sign up for a new account and receive a sign-up bonus. Many banks offer these bonuses, which can range from $25 to $500, just for opening an account and meeting certain requirements. For example, you may need to deposit a certain amount of money within the first month or maintain a minimum balance.
Another way to make money fast with a new bank account is to take advantage of interest rates. Many banks offer higher interest rates for new customers, so you can earn more on your deposited funds.
Finally, some banks offer cashback or reward programs when you use your debit card or credit card for certain purchases. For example, you may get cash back when you use your debit card at grocery stores or gas stations.
4. Hop on TaskRabbit
TaskRabbit is a great way to make some quick money in one day. You can sign up to be a Tasker and choose from a variety of tasks that need to be completed in your area. Once you complete the task, you’ll get paid.
TaskRabbit is great for people who are looking for extra income and don’t mind doing odd jobs. Some of the tasks you can do on TaskRabbit include:
Cleaning
Yard work
Furniture assembly
Grocery shopping
To become a Tasker, you’ll need to create an account and fill out your profile. Once your profile is complete, you can start applying for tasks. Once you’re approved for a task, you’ll need to complete it and submit proof of completion in order to get paid.
5. Sell items you no longer need for quick cash
There are a few things you can do to make some quick cash if you find yourself in a bind and selling items that you no longer need ranks at the top.
This could include clothes, furniture, electronics, or anything else that you have around the house that you don’t need.
You can list these items for sale on websites like Craigslist, Nextdoor, or Facebook Marketplace.
6. Join an in-person or online focus group
Focus groups are a great way to make some extra money fast. You can join a face-to-face focus group or an online focus group. Online focus groups are usually conducted via Skype or a similar video conferencing platform.
In a focus group, you will be asked to provide your opinions on various topics, products, or services.
The company conducting the focus group will use your feedback to improve its offerings. Focus groups usually last for 1-2 hours, and you will be compensated for your time with cash or gift cards.
Typically, I have made $50-300 for each focus group I completed. The exact amount will depend on the company conducting the research and the topic of the focus group. Learn more.
7. Move to freelance work
The best way to make money fast is to find a need that you can fill and then fill it. For example, if you’re good at writing, you could start offering content writing services. If you’re good at design, you could start offering design services. There are always businesses and individuals who need help with things like this, so if you can provide it, you’ll be able to make money quick.
There are a few different ways to offer freelance services. You can offer your services through a freelancing platform like Fiverr, or you can reach out to businesses directly and offer your services. You can also set up a website and promote your services through that.
Of course, the amount of money you can make will vary depending on the quality of your work and the size of the projects you’re working on. But if you’re able to deliver high-quality work quickly, you should be able to make decent money doing freelance work.
Also, this is a great way to start building consistent income from work from home jobs without investment.
8. Advertise On Your Car As Easy Ways to Make Money
There are a few companies that will pay you to advertise on your car. You can usually sign up for a short-term contract and get paid per month, or sometimes per week or day.
This can be a great way to make some quick cash if you have a car that you don’t mind driving around with ads on it.
Here are a few companies that offer this service:
To sign up, you’ll need to provide some basic information about yourself and your car, and then you’ll be able to browse the available campaigns and choose the ones you want to participate in. Once you’ve been approved for a campaign, the company will send you the materials you need to apply the wrap to your car, and then you’ll be on your way!
Double bonus if you do this while driving for Uber or Lyft!
9. Become A Virtual Assistant:
There are many ways to make money fast, but becoming a virtual assistant is one of the most viable options.
Virtual assistants provide administrative, secretarial, and clerical support to clients from a home office. They can perform tasks such as scheduling appointments, handling customer inquiries, managing social media accounts, and more.
To be a successful virtual assistant, you will need to have strong organizational and time management skills. You will also need to be comfortable using computers and various software programs. Additionally, it is important to be able to communicate effectively with clients via email and phone.
If you have the necessary skills and qualifications, becoming a virtual assistant can be a great way to earn money fast. Check out this free virtual assistant training!
10. Clean Houses
Cleaning houses is a profitable business and most people charge from $35 dollars to $45 an hour, so you can quickly make $300 by cleaning houses. You could start by advertising your services on platforms like Craigslist orNextdoor.
Once you get a few clients, you could start a Facebook group or Instagram account to showcase your work and attract more customers.
You could also look into joining a local house cleaning company as an independent contractor. This would give you the benefit of having a regular income, while still being able to set your own hours and work as much or as little as you want.
10. Give Blood OR Sell Plasma:
There are a few ways to make money fast, and giving blood or plasma is one of them – especially if you live in a college town.
You can usually make around $50-75 for giving blood or plasma. Also, many centers offer first time donors a big bonus!
The process takes around an hour, and you can usually donate once a week.
11. Do Grocery Shopping With Instacart:
Instacart allows people to shop for groceries and other items from the comfort of their own homes. As a shopper, you would be able to set your own hours and work as much or as little as you want.
For someone who loves shopping, this is perfect because you are not spending your own money!
You would also be able to earn tips from satisfied customers. If you are looking for a flexible way to make money, then becoming a shopper with Instacart could be a good option for you.
12. Test Websites for UI/UX
Testing websites for UI/UX is a great way to make money fast. Here are a few things to keep in mind when testing websites:
Make sure the website is easy to navigate
Check for broken links
Test the forms and checkout process
Provide feedback on the overall design and user experience
Companies want their online experience to be great, so this is a top gig.
13. Tutor Online
There are a few different ways you can tutor online, and each has its own benefits. You can use a platform like Chegg or Wyzant to connect with students who need help in your area of expertise. If you’re more of a self-starter, you can also look for online tutoring gigs on Upwork or Fiverr.
Benefits of tutoring online include:
You can work from anywhere with an internet connection
You can set your own hours
Tutoring is a great way to make $30 an hour
If you’re looking for ways to make money fast, tutoring online is a great option. You can work from anywhere in the world, and set your own hours so that you can fit tutoring into your busy schedule. Plus, tutoring is a great way to make extra money.
14. Writing Skill? Become a Freelance Writer
Also, making money is becoming a freelance writer. There are many websites and online publications that are always looking for new content, and a freelance writer can easily provide this. In addition, a freelance writer can often command a higher rate than other types of writers because of the specialized nature of their work.
Another way to make money fast as a freelance writer is to offer services such as ghostwriting or editing. This can be especially helpful for businesses or individuals who need assistance with their writing but do not have the time or resources to do it themselves. By offering these services, you can still earn a decent living while helping others improve their own writing skills.
Check out this course on how to Earn Money while Writing.
15. Manage Social Media Accounts to Make $300 a Day
There are a few different ways you can make money by managing social media accounts. You can offer your services to businesses or individuals who need help with their social media presence. Here are a few ideas:
Offer to help businesses with their social media strategy. This can include creating and scheduling posts, engaging with followers, and monitoring analytics.
Offer to manage an individual’s personal social media accounts. This can include anything from posting updates to responding to comments and messages.
Start your own social media management company. This will require more work upfront, but you can potentially earn a lot more money in the long run.
If you’re looking to make some quick cash, managing social media accounts is a great option. With a little effort, you can easily make $300 or more per day!
16. Become An Uber Or Lyft Driver:
If you’re looking to make some quick cash, becoming an Uber or Lyft driver might be a good option. This past weekend, we met a driver who would not tell me the exact amount he makes, but it was hovering six figures.
You can work on your own schedule and earn money by picking up passengers and taking them to their destination. Plus, you can get paid even more if you’re willing to pick up additional passengers or drive during peak hours.
Key Tip… Learn the routes and areas in which you are more likely to make more money. This may mean driving outside your hometown.
17. Ask for Extra Hours
A simple way to make $300 fast is to ask for extra hours at work. If you’re able to put in the extra work, you’ll likely see a boost in your paycheck.
This can be a great way to make some quick cash if you’re in need.
Many employers will be happy to pay overtime hours or just under the requirements of a full-time position.
18. Rent Your Car
Have you ever thought about renting your car out?
You can do this by signing up with a car rental service like Turo or Getaround. Once you’re approved, you can start renting out your car for quick cash.
Typically, you can earn around $30/hour for each rental, and you can get paid weekly. This is a great way to make some extra money if you have a car that you don’t use often.
19. Rent out a spare room in your house
Renting out a room in your house is a great way to make money fast.
You can charge daily, weekly, or monthly rates, and you’ll get the money right away.
This is a great option if you have an extra room in your house that you’re not using. Just make sure to list the room on a site like Airbnb so people can find it.
20. Open a Shopify Store and Sell
Opening a Shopify store is one of the quickest and easiest ways to start making money online. Shopify is an eCommerce platform that allows you to create an online store in minutes, without any prior experience or technical knowledge.
There are a few things to keep in mind when opening a Shopify store:
Choose a niche: When choosing what products to sell, it’s important to pick a niche that you’re passionate about. This will make it easier to market your store and stand out from the competition.
Research your products: Once you’ve chosen a niche, it’s important to do your research and make sure you’re offering quality products that your customers will love.
Set up your store: The next step is to set up your Shopify store. This process is relatively simple and can be done in just a few minutes.
Start promoting your store: Once your store is up and running, you’ll need to start promoting it through social media, blogging, and other marketing channels.
Once your store is up and running, you can start selling products and making money right away.
21. Events Assistant
Thankfully, large events are making a comeback, and thus it is now one way to make money fast is to work as an events assistant.
Events assistants help with the planning and execution of events, such as weddings, corporate functions, and parties. They may be responsible for tasks such as booking venues, arranging transportation, and decorating the event space.
Working as an events assistant can be a great way to earn quick cash, as many events take place on weekends or evenings. You may earn tips in cash, too.
22. Apply For A New Credit Card & Get a Signup Bonus
Applying for a new credit card is one of the easiest ways to make money fast if you have a good credit score.
You can often get a sign-up bonus just for applying, and if you use the right card, you can earn cash back or points that can be redeemed for free travel.
Just make sure to pay off your balance in full each month so you don’t get hit with interest charges.
23. Get Paid To Walk
There are a few ways to make money by walking, including becoming a pet-sitter or dog-walker, delivering food or packages, and even participating in research studies.
Pet-sitting and dog-walking are great ways to get some exercise while making some extra cash. You can advertise your services on websites like Rover or Care.com, or even on local community Facebook groups. Once you build up a clientele, you can set your own schedule and rates.
If you don’t mind doing a little bit of extra work, you could also sign up to deliver food or packages for companies like DoorDash, Postmates, or Amazon Flex. You can typically set your own schedule and rates for these gigs.
24. Wait tables
Working as a waiter or waitress can be a great way to make some extra money fast. In fact, it is easy to net over $300 if you are personable and do your job well!
In most cases, you will be able to keep all of the tips that you earn, which can add up to a significant amount of money over time.
Additionally, many restaurants offer their employees discounts on meals, which can further increase your earnings. If you are looking for a way to make some quick cash, waiting tables may be the perfect solution for you as you can start within days.
25. Provide Yard Work Help
Another way to make money fast is by providing yard work services. This could involve mowing lawns, shoveling snow, trimming hedges, or any other type of outdoor work.
You can use online platforms such as TaskRabbit, Nextdoor or Craigslist to find clients, or you can reach out to local businesses or individuals who need help with their yards.
From personal experience, my kids have averaged over $300 a day – just for snow shoveling! Good hustle for those preteens!
This is yet another way to make some quick cash by doing odd jobs for people in your community.
26. Read Books and be Paid as a Reader
There are a few ways to make money by reading books. You can start a book blog and get paid to review books, you can work as a freelance book editor, or you can even get paid to read books!
If you want to start a book blog, you first need to find a niche. What kind of books do you want to review? Once you’ve found your niche, the next step is writing reviews. You can use sites like Amazon and Goodreads to find books to review, and then post your reviews on your blog.
If you’re interested in working as a freelance book editor, there are a few things you need to know. First, you need to have experience editing books. Second, you need to be able to showcase your work. And third, you need to be able to market yourself so that potential clients can find you.
One way that you can make money by reading books is by becoming a beta reader. Beta readers are people who read manuscripts before they’re published and provide feedback on the story and the writing. If you’re interested in becoming a beta reader, the best way to find work is by networking with authors and editors who might need your services.
27. Sell a Skill on Fiverr
There are many ways to make money fast, but one way you can monetize a skill you have is to sell it on Fiverr.
Fiverr is a marketplace where people can buy and sell services starting at $5.
If you have a particular skill or talent, you can create a gig offering that service. Once your gig is created, buyers can purchase your service and leave a review.
If you deliver quality work, you will get repeat customers and your gigs will start to rank higher in the search results. This will help you make more money faster.
28. Profit from Baked Goods & Get Rewarded
Cake pops are hot! As most professional bakeries, charge between $1-4 per cake pop, you would need to sell 75 cake pops to make your goal of $300 a day.
Same with sourdough bread! people are selling homemade sourdough bread for $5-8 per loaf. So, you need to sell around 40 loaves to hit 300 dollars fast.
Another option is to offer baking classes in your community to make extra money. This is a hot thing to do for couples and kids.
There are many delicious ways to make money fast from baking.
29. Flip Stuff Online and Be a Reseller
One way to make money fast is to resell items on eBay, Facebook Marketplace, or Craigslist.
You can find items to resell at garage sales, thrift stores, and even online. Once you have found an item to resell, list it on eBay and set a starting price. Be sure to research the item so you know how much it is worth and what similar items have sold for in the past. You can also offer to ship if you are selling a larger item.
Check out this free training from Flea Market Flipper!
30. Negotiate a Pay Rise
There are a few key things you can do to increase your chances of successfully negotiating a pay rise:
Do your research: find out what the average salary is for your role in your area, and what other people in similar roles at other companies are being paid. This will give you a good starting point for negotiations.
Build a case: put together a document or presentation detailing your successes and value to the company. This will help you make your case in a clear and concise way.
Be prepared to walk away: if the company isn’t willing to meet your demands, be prepared to walk away. This may mean looking for another job, but it’s important to stand up for yourself and not accept less than you’re worth.
This is a great way to increase your paycheck!
31. Do odd jobs for people
One way to make some quick cash is to do odd jobs for people in your neighborhood.
This could be anything from mowing lawns and shoveling snow to painting fences and washing cars. If you have a knack for handyman work, you can list your services on websites like TaskRabbit or Craigslist.
You can also sign up with a local home improvement store, such as Home Depot or Lowe’s, to find customers who need help with small projects around the house.
You can house sit for people in your community who are going out of town and need someone to watch their home while they’re gone. Check out a great place with Trusted Housesitters.
32. Start Copywriting
Copywriting is a skill that can help you make money fast. If you can write persuasively, you can earn quick cash by writing articles, sales letters, and web copy.
Here’s how to get started:
Find a need. Look for businesses that are in need of content and start pitching them your services.
Write a great proposal. Your proposal is your chance to sell your services, so make sure it’s well-written and persuasive.
Get paid! Once you’ve landed a client, get to work and start earning money fast!
Check out where to find copywriting jobs.
33. Play with Dogs with Pet-sitting Services
If you love animals, you can offer pet-sitting services to earn some extra cash.
Pet owners often need someone to watch their pets while they’re away on vacation or business trips. If you love animals, this can be a great way to earn some extra cash.
You can also dog walk or pet sit for neighbors or friends.
34. Invest in Stocks or Cryptocurrency.
If you’re willing to take on some risk, you could make money by investing in stocks or cryptocurrency. However, these investments can also lose money, so be sure to research before investing.
This is one way I consistently make an extra 300 dollars a day.
However, this is after I took an investing course and months of practice. If you are analytical and enjoy patterns, this could be for you.
35. Complete online survey and earn extra cash
This is probably my least favorite, but you can make cash fast for very simple work. The amount of money you can make depends on the amount of time you’re willing to spend, and some other factors like your demographics.
Join a paid survey panel.
These panels usually work with marketing research companies who pay panelists for their participation in online and offline surveys. To join a paid survey panel, you’ll typically have to fill out a short sign-up form and provide some basic information about yourself. Once you’re signed up, you’ll start receiving survey invitations by email.
Here are the top legit survey platforms:
How much money can you make with each method?
The goal is to make 300 dollars fast, right?
It depends on the way you want to make money and the effort you put into it.
Some like virtual assistants or active trading will take longer to build up and get your experience, but it will be more lucrative as you go. On the flip side, pet sitting or house sitting is quicker to start but could be less consistent with clientele.
What are the pros and cons of each method to make money today?
There are a few different ways to make extra money, and each has its own pros and cons. For example, you could get a part-time job, start a side hustle, or take on some freelance work.
Idea #1 – Another job or More Hours
Getting a part-time job is one of the most common ways to make extra cash. The main pro of this method is that it’s relatively easy to find a part-time gig these days. You can use sites like Indeed or Craigslist to find open positions near you.
The main con of this method is that it can take up a lot of your time, which might not be ideal if you’re already working full-time or taking care of other obligations.
Idea #2 – Start a Side Hustle
Starting a side hustle is another popular option for making extra money. The biggest pro of this method is that you can often make more money with a side hustle than you would with a part-time job.
The biggest con of this method is that it takes time and effort to get your side hustle off the ground.
Idea #3 – Freelance Work Online
Taking on some freelance work is another option for making extra cash. The main pro of this method is that you can often set your own hours and rates.
The main con of this method is that it can be tough to find consistent work.
Best Way to Earn Money Fast
Ultimately, the best way to make extra money is the method that works best for you and your situation.
If you need to make some quick cash, a part-time job might be the way to go. If you’re looking to consistently make a bit more money, starting a side hustle is best.
Top ways to make money fast online
There are many different ways you can make money online.
Some of the most common include affiliate marketing, selling your own products or services on social media platforms like Instagram and Facebook, using your blog as a source of passive income, and creating e-commerce stores.
In fact, learning how to make money online for beginners is a hot topic!
Which methods are best for making long-term income?
There are a variety of methods you can use to make 300 dollars fast. While some methods may only provide you with temporary or one-time earnings, others have the potential to provide you with more long-term income.
Some of the best methods for making long-term income include:
Finding a high-paying job: If you’re looking for more sustainable earnings, then finding a job that pays well is one of the best options. While it may take some time to land a high-paying position, once you do, you’ll be able to earn a steady income that can last for years.
Starting your own business: Another great option for earning long-term income is starting your own business. This can be a great way to earn a passive income, as well as give you the flexibility to work on your own schedule.
Investing in real estate or stock market: Another option for those looking to make long-term earnings is investing in real estate or the stock market. This can be a great way to earn passive income and build up wealth over time.
What are some tips for making money fast?
These are just a few ideas to get you started.
Remember, the key is to be creative and think outside the box. There are many opportunities out there for those who are willing to look for them. With a little effort, you can find a way to make money fast.
Do you need to know how to make 2000 fast?
Tips to Earn Real Money and Make Extra Money Fast
How can you make sure you make the most money possible?
There are a few key things to keep in mind if you want to make the most money possible:
1. Be Clear On Your Expectations
If you want to make extra money, you need to be clear on what you want. Specifically how you are looking to make and how many hours you are going to commit.
Also, you need to communicate this to others around you like friends, family, or kids.
2. Set Prices People Make in Reality
Making sure that you have a clear understanding of the services you’re offering and what the going rate is for those services is crucial.
If you don’t know how much your time and effort are worth, it’s easy to undervalue yourself and end up making less money than you could have. Likewise, if you overprice yourself, people are less likely to use your services.
3. Negotiate a Ton
Don’t be afraid to negotiate. If you feel like you’re worth more than what the other person is offering, try to negotiate for a higher price.
Don’t be afraid to negotiate when it comes to prices. If you feel like your time is worth more than what the other person is offering, try negotiating for a higher price. It never hurts to ask, and often times people are willing to pay more than they initially offered if it means getting better quality work.
4. Work Hard and Make Real Cash – Not Free Cash
Be willing to work hard. The more effort you put in, the more money you’re likely to make.
If you’re not willing to put in the extra effort, you’re not going to make as much money as you could have.
Free cash won’t just happen; that isn’t someone you strive to be. Work hard and be paid.
Start Earning 300 dollars and Make Money Quickly
There are a lot of ways to make 300 dollars fast.
You just have to be creative and resourceful.
With this guide, you now know 35 ways to make 300 dollars fast. You can start earning extra cash today by following these methods.
You can start by looking for ways to make money in your free time, at home, or online. With a little effort, you can make 300 dollars in no time. Then, on to make 500 dollars fast.
Remember to have fun while you’re earning money! Thanks for reading and good luck!
Then, your next goal will be how to turn 10k into 100k.
Know someone else that needs this, too? Then, please share!!
The biggest complaint in today’s housing market might not be the high prices or even rising mortgage interest rates. It’s that there aren’t enough homes for sale, a situation that appears to only be getting worse.
So why aren’t sellers selling? Their top concern is putting their current residence on the market before finding a new one to purchase, according to a recent Realtor.com® survey. About a third of sellers in February were worried about finding a new home they can afford.
The insights are based on a series of surveys of 2,400 to 3,000 visitors to Realtor.com over a three-month period. Only responses from visitors who are homeowners, including active and prospective sellers, were included in this report.
“Sellers may not want to buy first, but in reality, they may need to sell first to get the cash for their next purchase. They may need a larger down payment to control the size of their mortgage, because mortgage rates are so high,” says Jiayi Xu, an economist at Realtor.com. The more money they put down, the lower their mortgage payments will be.
Many homeowners who would have traded up into larger, nicer homes or downsized into smaller ones have been reluctant to sell and let go of their record-low mortgage rates. That’s resulted in about a fifth fewer new home listings in April than there were a year earlier, worsening the housing shortage, according to the latest Realtor.com data.
Since many homeowners either bought their properties at a lower rate or refinanced during the COVID-19 pandemic, when rates fell to as low as mid-2%, they’re understandably reluctant to buy a home at today’s rates in the mid-6% range. That has been the main financial reason stopping homeowners from listing their homes since 2022.
Sellers are also worried about the state of the housing market. While it’s still not a buyer’s market, the days of homes selling moments after they went up for sale and buyers waiving all contingencies appear to be over. About a fifth of homeowners in February reported they were concerned about slowing buyer demand in their area and that sellers aren’t receiving good offers. That was more than double the worry that potential sellers expressed a year earlier.
“A lot of sellers want to wait until home prices go high again,” says Xu. “Given all of the uncertainties in the housing market, I don’t [think] that’s going to happen soon.”
Other concerns include the work—and cost—involved in getting their homes ready to list. High inflation driving up costs was a particular concern.
“A lot of people overlook the cost of repairing of their homes and getting them ready for market,” says Xu. “The costs are much higher [than] the same time last year.”
Watch: Mortgage Rates Are a ‘Wild Card’ for Both Homebuyers and Sellers: April 2023 Real Estate and Economy Update
A poll released today by Rasmussen Reports revealed that 31 percent of respondents said they were underwater on their mortgages, meaning they owed more than the homes were currently worth.
Since April 2009, this number has ranged from 28 percent to 36 percent, so the negative sentiment is below its peak.
Meanwhile, 53 percent of those polled said the the value of their home exceeds their current mortgage balance, up from 51 percent last month, which was the lowest reading since May 2009.
This reading has ranged from 49 percent to 61 percent over the past two years.
Another 16 percent of respondents said they were unsure as to where they stood.
Most Believe Home Values Won’t Rise Soon
Unfortunately, fewer than half of homeowners polled believe home values will go up over the next five years, which does little to instill hope of a recovery any time soon.
However, only 13 percent of homeowners now believe they are at least somewhat likely to miss or a make a mortgage payment late over the next six months.
And 84 percent say they are unlikely to miss or be late for a mortgage payment, including 44 percent who say it is “Not at all likely.”
Nine percent of homeowners said they have missed or been late on a mortgage payment in the past six months, while 88 percent have not.
All of the mortgage payment readings are in line with previous surveys for the past several months.
Finally, 22 percent of those polled say it’s better for the government to assist them with their payments than it is for them to be forced to sell their home.
Women were found to be more supportive than men, while the unmarried favor government mortgage help more than those who are married.
Opposition to government assistance is highest for those who earn $75,000 or more a year.
This is relevant, given the fact that several government mortgage assistance programs are on the chopping block.
Mortgage application volumes continued their up-and-down trend from April, rising as interest rates dropped and showed signs of longer-term stabilization following the latest Federal Reserve meeting, the Mortgage Bankers Association said.
The MBA’s Market Composite Index, a measure of weekly loan-application volumes based on surveys of the trade group’s members, increased a seasonally adjusted 6.3% after coming in lower by 1.2% seven days earlier. On a year-over-year basis, activity finished 36.5% under 2022’s level.
“Mortgage applications responded positively to a drop in rates last week, as the Fed signaled a potential pause at the current level for the federal funds rate in anticipation of inflation slowing and tightening financial conditions,” said Joel Kan, MBA vice president and deputy chief economist, in a press release.
Mortgage rates fell across all categories among MBA lenders, with the most commonly used 30-year contract average for conforming loans with balances below $726,200 edging down 2 basis points to 6.48% from 6.5% the previous week. Points for conforming 80% loan-to-value ratio loans also decreased to 0.61 from 0.63.
The 30-year jumbo mortgage average for balances above the conforming amount saw a slightly larger drop to 6.33% from 6.37%, while points decreased to 0.51 from 0.54.
Both purchases and refinances contributed to the week’s surge. The Refinance Index experienced a notable uptick, with new applications growing at its most rapid seven-day pace since January.
“Refinance activity jumped 10% to its highest levels since September 2022, although there is only a small pool of borrowers who can benefit from refinancing with rates at these levels,” Kan said. In comparison to the same week in 2022, weekly refinance volumes were still lower by 44.5%. But thanks to the elevated activity, refinances grabbed a larger 28% share of overall volume, increasing from 27.2% during the previous survey period.
The seasonally adjusted Purchase Index, meanwhile, increased 4.8% on a weekly basis, but application numbers still stand 32% year over year. “Lower rates from week to week have helped buyers in the market, but limited for-sale inventory remains a challenge for many home buyers,” according to Kan.
Scarce housing supply has kept prices from falling significantly, reflected in the average purchase-loan sizes seen in 2023. While the mean purchase amount remained virtually the same compared to the previous survey, slipping by a small fraction to $440,700 from $441,100, it still sat more than 13% higher from its mark to start the year.
The average refinance size, though, headed in the opposite direction, rising 4.4% to $277,900 from $266,200. The overall average, inclusive of all new mortgage applications, inched up 0.4% to $395,000 from $393,600.
Federally backed loan applications played a big part in lifting weekly volume, particularly refinances, which surged 23.7%. The Government Index outpaced overall activity, leaping 11.9% on a seasonally adjusted basis.
The share of federally guaranteed mortgage applications relative to overall volume, likewise, took a jump primarily thanks to new VA loans. Applications sponsored by the Department of Veterans Affairs accounted for 12.9% of activity, rising from 11.3% a week earlier.
Shares of other government loans took a step down, though, with the portion of Federal Housing Administration-sponsored applications dropping to a 12.1% slice from 12.5%, while U.S. Department of Agriculture-backed mortgages decreased to 0.4% from 0.5%.
The contract average interest rate for 30-year FHA-backed loans, meanwhile, dropped to 6.41% from 6.43% the prior week, with points used on the mortgages edging down to 1.01 from 1.02.
The 15-year average took a steeper dive compared to other fixed loans, falling 10 basis points to finish under the 6% threshold. The rate finished at 5.91% compared to 6.01% in the prior survey. Points for 80% LTV loans increased to 0.58 from 0.55.
The hybrid 5/1 adjustable-rate mortgage average dropped 13 basis points to 5.35% from 5.48%, with points decreasing to 0.79 from 1.14. Interest in the loans, which stay at a fixed rate for the first five years before adjusting to market values, generally move in the same direction as fixed rates. The trend held true last week, with ARM shrinking to 6.8% from 7.3% in the prior survey.