A WOMAN has revealed that she makes £8,000 a month from her social media side hustle, and shared tips for those who want to do the same.
Becca, shared details of her money-making scheme via a video posted to her TikTok channel.
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She explained that she makes her money through social media site Pinterest.
Sharing tips on how others can do the same, she explained that the first thing you need to do is set up a Pinterest business account, which is completely free.
She said that having a business account allows you to be able to check the analytics of your posts, to help you to see which type of posts users interact with best.
Becca explained that Pinterest isn’t actually the platform that pays her, but instead explained that she makes money through affiliate marketing.
Read more side hustle stories
Affiliate marketing involves promoting other people’s products online, often through social media sites like Pinterest.
If someone makes a purchase after clicking on a link that you have directed them to, then you earn commission from the company selling the product.
Becca explained that she takes a photo of the product from the website and then uses SEO and keywords to make the post search friendly.
She then adds the link to the post and then when people click on the link and make a purchase, she gets paid.
Becca said: “Pinterest is such an underrated platform because follower count does not matter.
“I was making $5,00 a month with 100 dollars when I first started”.
Becca explained that followers don’t matter on Pinterest, as it is used more like a search engine rather than a traditional social media platform.
The savvy side hustler’s video, which was posted under the username @socialwithbecca, has likely left many people feeling impressed, as it has racked up over 162,000 views on the video sharing platform.
TikTok users raced to the video’s comments section to share their thoughts.
One person said: “Love it! Great info!”
Side hustles in numbers
Based on new research from Finder, an estimated 22.8 million Brits are using side hustles to top up their income.
Among those aged 18-23, 68 percent have a side hustle in 2024.
Those aged 24-42 aren’t far behind, with 65 per cent having an additional source of income.
Side hustles are less popular among older generations, with 40 percent of those aged 43-54 having one.
Whereas 23 percent of people aged 55-73 and just 7 per cent of those aged 74 and over are earning extra cash this way.
A second person said: “Thanks so much for sharing!”
A third added: “That’s awesome.
“Great tips.”
A fourth said: “Pinterest is the marketers dream!”
Fabulous will pay for your exclusive stories. Just email: fabulousdigital@the-sun.co.uk and pop EXCLUSIVE in the subject line.
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Our exclusive October in-person training event is just a few weeks away! Do you have your ticket booked? The very first AMLeaders Event is taking place on Monday October 23, during the week of PI Live Europe. The afternoon event is co-hosted by Affiverse and Hello Partner in London.
For full details of the workshop times and venue please click here.
Our Speakers – In Their Own Words
We have featured some of our ‘Speakers Shorts’ over on our YouTube channel, with each speaker offering insights into what the event is all about. You can catch up on those already posted, and look out for lots more to come, by heading to the Affiverse channel.
Who Is AMLeaders For?
The event is for Affiliate Program Managers. Whether you are working at an agency, advertiser, or network – this is for you! Perhaps you’re just starting out, or are looking to take your affiliate program to new heights? You can watch Lee-Ann and Matthew Wood, Founder of Hello Partner, explain more here .
The Workshops – What Will You Learn?
Four workshops have been scheduled for the afternoon of Monday October 23. These are in-depth practical workshops for Affiliate Program Managers. You will gain access to expert-led content from veterans in the field of affiliate and performance marketing.
Workshop 1: How to quantify and discover new affiliates to work with in a diverse traffic economy and stay ahead of your competitive marketplace
Workshop Lecturers:
Lee-Ann Johnstone (Founder of Affiverse)
Leanna Klyne (Agency Director, Affiverse)
In this workshop, you’ll learn the success framework we use to launch, scale and grow successful affiliate programs for our clients. Using our marketing flywheel approach you’ll learn how to continue to discover and grow new affiliate partnerships for your program, follow best practices and guides to move momentum forward, and discuss key areas that often get neglected when running an affiliate program in-house.
Workshop 2: How to market and sell your affiliate program and attract new publishers by leveraging the power of your own personal brand.
Workshop Lecturer: Dean Seddon (Founder of Maverrik)
Social Media has enabled us to connect and develop new business relationships directly, but how do you use your own social branding presence to influence your affiliate program and build stronger relationships? In this workshop you are going to learn a simple framework that, when implemented consistently, will help you build your connections and scale your affiliate program brand so that publishers WANT to be part of your business and come to you to to sign up!
Workshop 3: Triage your affiliate program with industry veterans
Q. What is a Triage Session?
A. A short sharp burst of expertise!
This is about finding workable improvements with stewards who have tactical experience. Triaging is highly interactive and collaborative and requires business focussed conversation. It’s about finding workable improvements and creates situational awareness.
This is your opportunity to ask the questions you have always wanted answers to, around these subjects:
Table 1: Reactivation tactics that will help your affiliate program grow
Hosted by Sarafina Wolde Gabriel (CSO, Rightlander and Non-Executive Advisor, Affiverse)
Table 2: Auditing your Affiliate Program – Finding areas of growth and bringing new partners into the mix
Hosted by Wade Tonkin (Director, Global Affiliate Marketing at Fanatics, Inc.)
Table 3: Embracing Influencers as part of your Affiliate Program
Hosted by Sanchit Sareen (EMEA Director, impact.com)
Table 4: Mitigating fraud and implementing better compliance practices
Hosted by Ian Sims (Founder, Rightlander)
Workshop 4: Panel Discussion – Future Affiliate Management trends and how to apply them to your daily routines
Moderated by: Lee-Ann Johnstone, Founder of Affiverse
Panelists will include:
- Anna Hecht (Editorial Director at Global Savings Group)
- Dan Staples (VP Client Development, CJ.com)
- Kevin Edwards (Founder of The APMA)
In this workshop we will be talking to industry experts from across the spectrum of the industry to share some of the tactical things they’re seeing and doing that are helping affiliate marketing programs and partnerships grow. We’ll also be looking ahead to define some future trends that managers need to be looking at to leapfrog their competitors for 2024.
And Finally…
Enjoy post-event networking together!
How to join us
Access this essential AMLeaders event by booking your ticket HERE.
Please be aware that the event is just 3 weeks away and seats are limited! Seize the opportunity to revolutionise your affiliate program and learn with the best. PI LIVE Europe delegates can also save £50 on their AMLeaders booking so go and grab your ticket NOW!
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David Olusegun has been branding consumer products and the entertainment industry for the last 15 years and has picked up some tips and tricks along the way for aspiring entrepreneurs.
Working with global brands such Warner Music, and Sony Pictures has allowed him to gain vast experience within his industry, and be able to coach others with building their own brands.
He has built his newsletter – Creators Blueprint – into a passive source of income, generating up to £5,000 a month.
He said: “My aim was to provide a comprehensive resource that could act as a blueprint for creators, entrepreneurs and leaders to learn from some of the most successful creators in the world to give.”
For any successful newsletter, Britons are encouraged to find a topic they have vast knowledge about that they can help others understand.
By picking a topic, Britons can develop and attract a loyal readership.
Mr Olusegun said: “I focused on creating high-quality content, targeting creators who were in dire need of strategies, insights, and tips to improve their business.
“I promoted the newsletter via organic and paid marketing through various channels such as social media, and other newsletters.”
Britons need to be able to promote themselves and get their product out to as many people as possible as the next newsletter subscriber could be anywhere.
Using social media platforms such as TikTok or Instagram can help people that may not have a large following reach a variety of people.
With a strong topic and delivery, Britons can create their own ads by making videos on these platforms explaining why people need to subscribe to the newsletter.
Mr Olusegun explained if people can gain loyal readership, they can build on this and offer exclusive access to certain information.
He introduced a paid membership plan. So, for a small fee, paid subscribers got access to exclusive content, including masterclasses, one-on-one consultations, and downloadable resources.
This not only allowed him to monetise but also helped create a sense of community among members.
He continued: “Once I had a dedicated subscriber base, I reached out to brands that aligned with the needs and interests of my readership. By collaborating with these companies, I was able to offer my subscribers exclusive discounts and benefits, which added value to their subscription. In return, I started earning a commission through affiliate marketing.”
However, he warned that before people think about monetising their content, they need to remember the most effective strategies are those that provide value to their audience.
Mr Olusegun added: “Always keep your audience’s needs and interests at the heart of your decisions, and success is more likely to follow.”
He gave his five key tips for monetising content. Following these tips has helped Mr Olusegun gain vast success and earn £5,000 a month through newsletters alone.
Master the Art of Affiliate Marketing: “Affiliating with brands relevant to one’s content and audience can be a profitable way to monetize. Promote products or services and earn a commission for every sale made through a referral. Just remember, credibility is key. Only endorse products one believes in to maintain trust with their audience.”
Create Premium Content: “Implement a membership or subscription model where your audience pays for access to exclusive content. This could include in-depth guides, webinars, or one-on-one consultations. This not only generates revenue but also helps build a loyal community around your content.”
Utilise Sponsored Content: “Partner with brands and businesses to create content that highlights their products or services. This can be a win-win situation as the brand gets exposure, and you receive payment. Ensure the sponsored content aligns with your audience’s interests and provides them with value.”
Launch Digital Products: “If you’re an expert in a particular field, consider packaging your knowledge into digital products. These could be eBooks, online courses, templates, or even mobile apps. Digital products can be sold unlimited times, creating a sustainable and scalable revenue stream.”
Offer Services: “Your skills as a content creator can be a lucrative source of income. Offer services such as consulting, content creation, design work, or coaching sessions. This personal interaction can significantly enhance your relationship with your audience, resulting in increased engagement and monetisation opportunities.”
Mr Olusegun has worked for/with many global brands including Warner Music, MTV, Nickelodeon, Nike, and Sony Pictures. His experiences inspired him to establish Creative Control Ventures (CCV), a venture builder that partners with purpose-driven celebrities to launch global Consumer Packaged Goods brands.
Since its inception in September 2021, CCV has shown remarkable growth, including the successful launch of Nala’s Baby, a brand stocked in over Boots stores across the UK.
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It’s sometimes thought that financial success comes down to luck. A person launches a business and hits it big coming out of the starting gate. Maybe that does happen – occasionally – but it’s not typical. One of the best ways to prove the point is by following up with someone several years after starting a business and finding success. That’s what I’ve done, and guess what I found?
More success, much more!
Back in 2019, I covered the incredible story of Kelan and Brittany Kline in How This 28-Year-Old Couple Quit Their Jobs And Make $100,000 A Year Working From Home. But after catching up with them recently, I knew it was time for an update. The Kline’s no longer make $100,000 a year working from home. They left that threshold in the dust and are now closing in on $100,000 per month – most of it through passive income streams.
How have they managed to continue their incredible success?
Kelan & Brittany Kline – A Quick Review of Their 2019 Story
In my first report on the Kline’s, Kelan and Brittany – each 28 at the time – and their blog, The Savvy Couple, was up and running for just three years. At that time, they had built the blog into a $100,000-plus income source.
What made this story truly remarkable was that neither had any previous experience running an online business, let alone one generating a six-figure income. Brittany had previously been a teacher, while Kelan had held a series of unrelated jobs including law enforcement. In addition, they live in a small community in upstate New York – hardly a location you might expect to launch a successful online business from.
The blog started out as a way for Kelan and Brittany to show others how to better manage their finances, based on their own experience in providing for their new family on a limited income. With $40,000 in student loan debts, their initial hope was that the blog would eventually produce at least $500 per month in additional income.
But as time went on, the popularity of the blog and the income it generated increased steadily. As it did, and the couple saw the income potential it presented, the Kline’s were eventually able to quit their respective jobs and turned The Savvy Couple into their primary occupations.
Having an online,work-from-home business brought tons of benefits. Free from the constraints of traditional, 9-to-5 jobs, the Kline’s enjoyed control of their schedules, more time with each other and their young daughter, Kallie, a truly creative occupation, and the prospect of unlimited income.
It isn’t hard to see how that combination wasn’t the end of their story. The blog, and its income, have continued to grow since.
Kelan & Brittany Kline in 2023
Kelan and Brittany’s family has expanded to four since 2019, with daughters Kallie, four, and Kennedy, two. Their business success has enabled them to split their business and parenting time. Kelan works mornings and then takes over the parenting role when Kallie comes home from preschool in the afternoon, enabling Brittany to work.
Kelan and Brittany Kline & Family
By their own reckoning, they’re living their dream lives. They wake up when they want, have breakfast with the girls, and set up their daily schedules. They have been intentional about setting up their lives to have as much freedom as possible. That includes taking plenty of days off and going on three or four vacations each year.
“This is definitely a different way for our kids to grow up than how both of us grew up with our parents going to work in the traditional 9-5 every day,” Brittany observes. “We’re working hard on teaching them you can create your own life of freedom with hard work, discipline, and dedication. Even though we work from home or online, we still have responsibilities and deadlines that need to be met.”
Kelan and Brittany Kline in one of their frequent trips to the beach
How the Kline’s have Grown their Business Over the Past Four Years
The Kline’s have implemented four specific strategies to keep their business growing steadily over the past four years.
Leveraging Talent by Building a Dedicated Staff
If you’re a solo entrepreneur, you’ll eventually bump up against the limit of time. After all, there are only so many hours in the day and the number and extent of responsibilities involved in running a small business are practically unlimited. As so many other small business owners have learned, the way to overcome this limitation is by hiring talented individuals to perform an increasing number of necessary tasks.
This has been one of the biggest revelations for the Kline’s, and a critical component of their ability to expand. They managed to add staff, while staying within budget, by employing part-time contractors.
That started, first and foremost, by hiring a virtual assistant (VA). That person functions as a jack of all trades, handling customer service and content writing, among other functions. The Kline’s also work with an editor, as well as a monetization expert who largely handles revenue-generating affiliate arrangements for the site. Tying it all together is an operations manager overseeing the big picture.
Employing these four specialists has freed Kelan and Brittany to only have to work 10-20 hours per week and to concentrate on expanding their business. That has enabled the couple to improve existing product lines, as well as add new ones. They can more easily maintain that focus knowing the day-to-day details of running the business are handled by their part-time staff.
Expanding Within a Very Specific Niche
The Kline’s have been careful to stay within their chosen market niche. For The Savvy Couple website, that includes topics like money management, budgeting, saving money, and investing. But the primary emphasis remains on ways to make more money, specifically through starting profitable side hustles. In an age of inflation, it’s easy to understand why generating additional income is such a popular topic.
“We’ve been writing content in the Making Money Online niche for almost three years,” Kelan reports. “We’ve also focused heavily on search engine optimization (SEO) and solving user intent within that niche. In the process, we’ve consistently attempted to rank for very competitive keywords that are lucrative and support our affiliate marketing channel. This has helped to scale our passive income.”
At the same time, Brittany has been working specifically on developing digital planners, organizers, and printables for their other brand, The Savvy Mama.
Those products include a bundle of planners and organizers that help moms organize, simplify, and generally better control the chaos in their lives. There’s now even a Savvy Mamas Membership Brittany created to help moms stay accountable, which has helped expand their business even further.
“Branching out into something of my own has been terrifying but very exciting,” Brittany reports. “As a mom myself, I know how mothers often face numerous challenges and struggles, as they juggle multiple responsibilities and roles. If I can help alleviate just a little bit of stress and help a mom feel more accomplished in her day, then I believe I‘ve made a positive impact and contributed to her well-being and overall happiness.”
Along the same line, the Kline’s developed another related site, The Savvy Kitchen. The site provides recipes, meal planning, cooking tips, and other resources to help homemakers save money while preparing healthier meals at home.
The Kline’s have also developed The Savvy Couple YouTube channel, which currently has 90 videos and more than 10,000 subscribers. Not only does the channel help generate additional revenue, but it also builds the brand name and provides visitors with additional resources.
Staying Focused and Tracking Time
The emphasis on outsourcing multiple responsibilities to staffers is providing the time for the Kline’s to get better control of their time and the income they generate with it. Unlike when they first started the blog, Kelan and Brittany now pay close attention to the hours they spend in the business, and where that time is concentrated.
“A rule of thumb that we use is to track our hours and how much we’re making on an hourly basis,” says Kelan. “That’s currently over $1,000 per hour for me. So I focus on activities within the business that are $1,000 per hour tasks. I’ve learned that everything I outsource is going to free up my time to focus on growing the business.”
Harnessing Artificial Intelligence (AI) to Grow the Business
When we think of artificial intelligence (AI), it’s almost natural to see it used primarily by large organizations. But Kelan and Brittany are an example of a small business employing AI to help grow their business.
“We came across AI tools back in 2020 while we were searching for ways to improve our content creation systems and processes,” Kelan reports. “We started using Jasper AI and Surfer to create article outlines, write the first draft, come up with titles, unique ideas and perspectives, expand on topics, and more. Our entire team now uses ChatGPT in the content creation process, including YouTube scripts, email marketing, customer service, social media, and more. Two new AI tools we are starting to use are Koala and Surfer AI.”
In fact, AI has become integrated within the business across the board in almost every system and process they have. Kelan reports that the tools continue to get steadily better allowing them to create more content and better serve their audience.
Adjusting to the Changes in Blogging Since 2019
Like virtually every other industry, blogging is an ever-evolving enterprise. And like any business with many success stories, the blogging field has become crowded and competitive in just a few short years.
AI has been one example of a major change in the industry, but there are plenty of others. For example, Kelan and Brittany have been intentional about avoiding the kinds of Google penalties that can torpedo a blog’s revenue. They’ve also increased their focus on creating high quality content.
“I think blogging has become significantly more difficult in the last few years,” reveals Kelan. “I think it would be very hard to get into the game now, especially in a very competitive niche. Google is now looking at ‘EAT’ – which is experience, authority, and trust – and you need to incorporate that into all content on your site.”
“If you’re reviewing products or presenting side hustles,” Kelan continues, “you need hands-on experience with the product, including testing it against others. In that way, you’re providing first-person reviews and experiences. We spend hours upon hours evaluating dozens of side hustles and ways to try various ways to make money online and documenting the process as we do. It’s no longer as simple as opening up WordPress, typing an article, and hoping people see it.”
The Road to Success Isn’t Always a Straight Line – What Hasn’t Worked
Starting a business of any size is a process of fits and starts. That’s as true of blogging as it is of any other business. Even though some efforts are producing positive results, others are heading in the other direction. Kelan and Brittany are now well acquainted with that reality.
While the couple has found success in building web traffic through a combination of SEO and social media and creating revenue streams from display ads and sponsorships, they found some sources work better than others.
For example, sponsorships were an early revenue generator. This is a process of endorsing third-party products and services on the blog. The Kline’s have learned to be much more selective in the products they sponsor on their sites. “We’re now very strategic with the brands we work with and turn down 90% of the offers we get,” offers Kelan. “We never work with a brand unless we personally have used them in the past or are allowed to test them out beforehand. This way we ensure our audience is getting the best-recommended products and services on the market to help them increase their income, manage their money, and reach financial freedom.”
They’ve also run into some rough sledding with some of the products they’ve created and offered. “We basically tried a bunch of different courses at higher prices,” reports Kelan. “We’re talking $100, $200 and $500 per course that we’ve launched to our audience. Many have failed. But that is how you learn and improve. I don’t believe in failure. The only way you can fail is if you don’t learn and improve from your mistakes.”
The Kline’s Income Picture – 2019 and 2023
The chart below presents a clear picture of the income progression of The Savvy Couple since it started earning revenue in 2017. As you can see, income has risen in each year, except 2020 – which as we all know was the year of the Covid-19 Pandemic and subsequent economic shutdown.
But notice that in July, 2019, when I wrote How This 28-Year-Old Couple Quit Their Jobs And Make $100,000 A Year Working From Home, the Kline’s income actually finished the year at over $250,000. It then resumed its growth pattern in 2021, then topped $500,000 in 2022.
Based on the current pace, the Klines expect their three brands under Savvy Media Marketing to earn nearly $1.2 million in 2023, or an average of $100,000 per month.
The Savvy Couple revenues from 2017 to 2023
The pie chart below breaks down the various sources of revenue for the site, as well as the percentage each generates. Revenue from affiliate programs and digital products sales together represent nearly two-thirds of total revenue.
The Savvy Couple revenue sources 2023
The Long-term Plan: Reaching Financial Freedom by 35
Up to this point, Kelan and Brittany’s plan has been to build The Savvy Coupe into a seven-figure business. Now that that’s becoming a reality, the new goal is to reach financial freedom by age 35. That gives them just a few short years to make it happen. But given the success they’ve enjoyed over the past six years, they’re an odds-on bet to reach their goal.
That doesn’t mean the Kline’s plan to ultimately retire from The Savvy Couple. Quite the contrary. The plan is to continue to build web traffic and revenue to all three websites. In the process, they’re working to increase passive income. That’s revenue generated by the blogs with little or no additional effort on their parts.
But as they do, and their income from blogging rolls in, they’re putting more money into the stock market. That’s another part of their ultimate goal of reaching financial freedom at age 35, at least partially from the passive income generated by those investments.
That will enable them to spend even more quality time with family and on personal pursuits. At the same time, they’re developing the blogs to help serve and impact as many people as possible with the mission of creating more time and money to build a life of freedom for the many regular visitors to their websites.
Bottom Line
Despite the increasing challenges in the blogging space, the Kline’s still believe the niche has potential for new entrants. After all, when they launched their blog in 2016 the field was already crowded. Despite that obstacle, they still hit pay dirt.
“Pick your niche, refine it as you move forward, and become an expert and an authority in the field,” advises Kelan. “Focus on SEO from the very beginning, stay connected with your audience, consistently provide new and useful content, and diversify your income sources, and you can still become a successful blogger.”
No, blogging is not as easy as it used to be. But it’s still one of the most popular ways to make money online – even a lot of it – and to achieve financial freedom in the process. The Kline’s are a living example of that.
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May help reduce temporary inflammation associated with physical overexertion or other lifestyle choices. This product is not intended to treat, prevent or cure inflammation associated with any disease. These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.
Product Dimensions : 3 x 3 x 5.25 inches; 0.04 Ounces
Date First Available : December 4, 2020
Manufacturer : AmazonUs/QUTEN
ASIN : B08PMVCJ7D
Country of Origin : USA
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HIGH QUALITY GUARANTEE: Qunol Turmeric is carefully sourced from the highest grade of curcumin available and is manufactured in a cGMP compliant facility
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Per Serving (1 Capsule): 3 mg Vitamin C, 0.38 mg Iron; 21 mg Proprietary Probiotic Blend: Lactobacillus acidophilus, L. rhamnosus, L. plantarum L. salivarius, L. casei, L. brevis, Streptococcus thermophilus, Bifidobacterium bifidum, B. lactis, B. longum, Saccharomyces boulardii and Bacillus coagulans; 80 mg Proprietary Enzyme Blend: 12,500 HUT Protease, 2,500 CU Cellulase, 250 U Chitosanase, 5,000 SPU Serrapeptase; Proprietary Prebiotic & Herbal Blend: Fructooligosaccharides, Alfalfa (leaf, stem), Papaya Juice, Fulvic Acid & Ionic Minerals. Other Ingredients: Maltodextrin‡, Hypromellose.
Package Dimensions : 3.78 x 2.17 x 2.09 inches; 3.84 Ounces
Date First Available : July 22, 2021
Manufacturer : MaryRuth Organics
ASIN : B09B2M34C1
Multiple Benefits: Support digestive health and immune function with our Gut Flora Health+ Enzymes. This unique blend of enzymes, prebiotics and probiotics has been formulated to support the maintenance of the integrity of the gut’s lining, which is important for a balanced immune response.
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From the Publisher
Apple Watch Fitness Planner
Have you ever set a goal for yourself, only to forget about it a few days or weeks later? It’s a common struggle that many of us face when trying to improve our habits and reach our aspirations. What if there was a way to keep yourself accountable and on track?
Enter the Apple Watch Fitness (AWF) 3-month planner, a physical tool designed to help you stay focused and motivated. When paired with the Apple Watch, you have the ultimate goal-setting and tracking duo. By utilizing both, you can tackle monthly and weekly challenges, track your progress, and ultimately achieve your goal.
How It Works
At the beginning of every month your Apple Watch curates a monthly challenge. Write that challenge on the monthly page and then write out small goals on how you will accomplish said challenge. If your challenge seems too easy, or ridiculous, feel free to create your own monthly challenge. Set your rings and start moving!
Inside the planner, you will see a coloring page with rings labeled 1, 2, and 3. These represent the 3 months of challenges that you will take on. Each time you accomplish a challenge- reward yourself by coloring in the appropriate ring.
Start tracking in the planner on the 1st of every month. There will be 7 daily trackers following the monthly challenge page. At the end of the 7 days, there is a weekly check in to reflect on how the week went and prepare for the next. There are also weekly affirmations included to remind yourself that you can do this.
Now ask yourself, are you ready to unleash your potential and start your goal-setting journey?
Accountability Coloring Page – color in a ring for each month you hit your goal!
Setting up for the month. Add the monthly goal your Apple Watch generates or create your own. Once the month is over- use this page to reflect on what worked, or didn’t work, to set up your next month.
Weekly reflection. Use this page to note what you enjoyed throughout the week and how you want to progress towards the next. Small goals will lead to bigger rewards.
Hold yourself accountable to your goals with a daily check in sheet. You can use the ring goals to enter in what goals you want to reach for those or what goals you plan on reaching that day. This is a tool to help set yourself up for success over time and learn how to see the positive in movement!!
ASIN : B0C2RPBK9Z
Publisher : Independently published (April 23, 2023)
Language : English
Paperback : 111 pages
Item Weight : 7.8 ounces
Dimensions : 6 x 0.25 x 9 inches
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]]>This story originally appeared on Business Insider.
Julia Lemberskiy has always been captivated by home design.
As a kid, “I would never watch any soap operas. I would just binge renovation shows,” the 30-year-old tech worker, whose career has consisted of founding start-ups and heading Uber Eats Russia, told Insider.
Currently, she’s the head of growth at Double, a start-up that connects executives with part-time assistants. Outside of her day job, she still makes time for her original passion: “As much as other people are scrolling TikTok I’m spending hours a day on Zillow.”
It gives her an edge as a real estate investor.
“After binging so many renovation shows, I have a really good vision for what a property could look like,” said Lemberskiy, who grew up in Europe, moved to New York City in 2018, and currently owns three investment properties in the States. “I tour a place and I immediately see which wall I would knock down. That’s really helped because I’m not competing with buyers who don’t have that kind of vision.”
Her overall investing strategy is to buy “undervalued properties” in “undervalued areas,” which she finds by looking at approved development projects in the community. If the town or city is investing millions of dollars into improving the area, that typically signals there’s upside potential.
She also would prefer to spend her cash on a bunch of cheaper, fixer-uppers that she could add value to rather than putting all of her money into one or two nicer, more expensive properties.
“It feels like the more we’re buying, the cheaper we’re going,” she said, referring to her and her husband, who currently rent in Midtown Manhattan. “Right now we’re looking at a bunch of properties in the $150,000 range.”
The way she sees it, “you can’t really go wrong if you buy something for $150,000 and it’s a livable house. It’s probably not going to go down in value.” Whereas, “buying in the $1 million to $1.5 million range would make me very nervous, having that much money sitting in one property.”
Plus, using her capital to acquire a handful of properties has allowed her to “play around in different areas and get a feel for different types of investments — multi-families versus single-family — to figure out with time what the long-term plan is going to be.”
Lemberskiy owns six units across three properties and rents five of her units on Airbnb. Courtesy of Julia Lemberskiy
Her strategy has evolved over time. When she first decided to buy property, she figured she’d own where she lived — in New York City — but a couple of Zillow searches “ruined my appetite for buying something in New York for quite a while,” she said.
For starters, the purchase prices in New York City are astronomical. Manhattan, New York is the most expensive housing market in the US, and Brooklyn and Queens, two of the other five boroughs that make up New York City, both cracked the top 15 priciest markets.
“When we looked here all we could afford was a little studio because even a decent studio is $400,000 to $500,000,” said Lemberskiy. “It’s crazy. But what’s even crazier is the maintenance fee. You’re lucky to find something under $2,000 a month.”
It’s also a hyper-competitive market, she added: “You pretty much have to go over asking.” On the few properties she and her husband have made offers on in the city, “we got outbid every time.”
Renting in NYC, buying in more affordable markets, and generating up to $20,000 a month in Airbnb revenue
Ultimately, Lemberskiy couldn’t justify buying anything in New York City, she said: “Thinking about it as an investor, prices are already so high. How much higher can it get?”
She and her husband decided to continue renting. It’s possible to find good deals in the priciest rental market in America, said Lemberskiy, who pays less than $2,000 a month for a studio in Midtown Manhattan: “There are sometimes really good deals if you spend the time. Some of it requires negotiation.”
While buying property in New York City was off the table, buying property in general was not, especially once Lemberskiy decided to settle down in the States.
“Once I got married and decided to stay in the US, I knew I wanted to invest in something,” she said. That was in 2020, right after the pandemic hit. The big question was where to buy. “Being new to the US, I had no idea even where to start.”
Lemberskiy and her husband closed on their first home during the early days of the pandemic. Courtesy of Julia Lemberskiy
She decided to buy a home in an area where she could see herself living. In the early pandemic days, that was upstate New York.
“I felt cooped up in Manhattan so every chance I got I would get on the Metro-North at Grand Central, exit a new station, and spend a day discovering,” she remembered. “I really got a feel for that entire upstate New York area.”
She found a real estate agent and started touring properties.
“This was early Covid when everyone was fleeing New York, working remotely, and the interest rates were super low, so it was extremely competitive,” said Lemberskiy. “Nothing was staying on the market for longer than a few days.”
The home she and her husband eventually bought was a 3-bedroom on a lake in Walden, which is about 70 miles north of New York City. In the 2.5 days that it was on the market, “it had 54 showings and 14 offers, including many cash offers,” she said. “So our chances were very slim. We ended up removing every contingency out of the contract, going above asking, and we wrote a long, tear-jerking letter to the owners. To our surprise, we got the property.”
They closed in March 2021 for $285,000 with the intention of using it as a weekend getaway home, but “this home was a complete disaster,” recalled Lemberskiy, who ended up living there almost full-time for six months doing renovations to make it “livable,” she said. “It was tough and expensive and after a while I was fed up with the house and didn’t want to be there anymore.”
That’s what led to the idea of only staying in it occasionally and renting it out on Airbnb, which she’s been doing since 2022.
She acquired two more investment-specific properties in 2021 and 2022: a $220,000 single-family home in West Palm Beach, Florida and a $185,000 multi-family property in Albany, New York.
She selected those markets similarly to how she chose upstate New York, “from personal motivation,” she explained. “Even if the business side of things doesn’t work out, it’s something where I can see myself and my family.”
Florida first came on her radar while rewatching “The Sopranos” with her husband, she said: “There was a scene where the uncle talks about going to Boca and we were like, ‘What is Boca?’ A few weeks later, I found a cheap flight, got an Airbnb, and fell in love with that whole area an hour outside of Miami.”
She closed on the beach house in September 2021. It was already occupied with a tenant and remained a long-term rental until January 2023, when she first started listing it on Airbnb.
As for Albany, that deal came about after she and her husband discovered the capital city on a road trip celebrating their anniversary.
“We spent some time there and went to some lovely restaurants and bars,” she recalled. “I started looking at Zillow and was pleasantly surprised about the cost for such a nice city.”
Lemberskiy and her husband got married in 2020. Courtesy of Julia Lemberskiy
In April 2022, she closed on a four-unit property in Albany. Three of the units are residential, which she rents out on Airbnb, while one is commercial, which she’s turned into more of an operational space.
Between the Walden lake home, the beach home in Florida, and the multi-family in Albany, Lemberskiy operates five Airbnb spaces that, in March 2023, brought in $19,828 in revenue, according to a screenshot of her Airbnb dashboard viewed by Insider. Each month in 2023 so far, her units have brought in over $10,000 in gross earnings.
What started as a quest to buy a home in New York City has evolved into a lucrative short-term rental business that has created financial freedom for Lemberskiy and her husband.
“I have a lot of peace of mind now,” she said. “Worst case: both me and my husband lose our jobs. We can go live at the lake house and have the other two properties cover all expenses. Having that level of financial independence makes me less eager to go through the whole setting up another short-term rental again.”
After all, buying and renting real estate is not for the faint of heart.
“There’s been a lot of tears,” she said. The Albany purchase was especially difficult when trying to secure a mortgage and “almost turned me off from real estate for good. You need to be very stress-resistant to do any of this, as well as very detail-oriented because there’s just so much paperwork.”
That said, she’s still looking for other “undervalued areas” to expand her portfolio in. She’s looking into areas like Bridgeport, Connecticut, Schenectady, New York, and even abroad in Madeira, Portugal.
Her top advice to rookie real estate investors is to buy in a place “where you want to be yourself. If you can see yourself there it’s likely that other people can as well.”
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Since starting my work at Copper Country Senior Meals two years ago, I have come to better appreciate the aging process and the complexities involved in living independently at home.
Through conversations and friendships that have developed, and as I watch my parents move into their 80s, I have a direct view of the behind the scene struggles our elderly face daily.
For instance, as seniors lose their spouse, siblings, and friends, social isolation becomes the norm. As memory and cognition fade, cooking becomes difficult or lacking altogether. As eyesight and hearing diminish and reflexes slow, driving becomes challenging. As fall turns to winter and the ground goes from ice to snow, a single misstep can shorten one’s life as the body heals and recovers, sometimes unsuccessfully.
The World Health Organization states that by 2030, 1 in 6 people will be over age 60. This statistic represents similar numbers to our area where 1 in 7 people in Houghton County are over 65 years of age and 1 in 6 in Keweenaw County. Further complicating the ability to live at home alone is the fact that 6 in 10 people live with chronic diseases like heart disease, diabetes, and cancer.
Each of these statistics reinforces the importance of the work we do at Copper Country Senior Meals. Through our home-delivered meal program, staff provide a daily check-in and are sometimes the only socialization a senior has that day or week. Staff also provide a nutritious hot meal and for some seniors, this meal is the only one they eat all day. These daily check-ins and meal deliveries are a critical service that helps area seniors live at home longer.
But Senior Meals struggles each year. We struggle financially to meet increasing food and fuel costs. We struggle to reach all of the seniors needing our services and often turn seniors away who desperately need our support.
Our lack of financial capacity to reach all areas in Houghton and Keweenaw Counties is truly heartbreaking, particularly in a rural area where seniors have no other option. Seniors who don’t receive our services struggle to live at home and many are forced to move into assisted living or nursing homes.
These moves are stressful, and expensive for our healthcare systems while also putting a strain on already stretched medical resources.
So how do we address our financial struggles and become better known in the community? Recently, I and others have been connecting with other Meals on Wheels organizations throughout the United States. On a recent spring break trip to Texas, I met with the San Antonio Meals on Wheels organization and saw how philanthropy and donor support enables that organization to serve 3,000 meals a day to seniors in 9 counties. I saw how subtle home improvements like fans, heaters, and microwaves help seniors live more comfortably at home.
Separate conversations with the Sheboygan, WI Meals on Wheels organization highlight the importance of working with local growers to obtain fresh produce donations.
Over the next few years, Senior Meals will be going through some significant changes as we make operational adjustments to produce more meals, reach more seniors, and increase donor support.
We will be increasing our fundraising efforts and expanding our community partnerships, specifically to better understand the links between food, social connections, and dementia. We will be exploring the health advantages and cost savings of providing medically tailored meals.
We are also partnering with the Portage Health Foundation to be part of a community wellness campus. Such a campus would benefit seniors with increased socialization, exercise opportunities, and even cooking classes.
The future is exciting as we look to better serve our seniors and expand our reach. I’m optimistic that Senior Meals will become a household name throughout the Copper Country and a leader in how we, as a community, care for our seniors.
Please consider being part of this journey and supporting us by donating and subscribing to our monthly e-newsletter. We would love to hear from you and work together to create a vision that supports all seniors in living at home with dignity.
Kathleen Harter, Executive Director, Copper Country Senior Meals
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