The Meaning Of “Always Be Hustling” & Why It’s Important

Always be hustling a second income

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As a salesperson, I understand the importance, of constantly selling. The phrase “Always be hustling” is what comes to my mind. So when I took on my boring corporate job I realized quickly that this company: 1) only saw me as a number and 2) only cared about my output in terms of dollars. At first I didn’t realize the importance of having a second source of income.

The first two years I did everything… EVERYTHING to make sure I was recognized as a hardworking employee. When the company asked me, “please work 6 days a week while we work to hire extra staff,” I jumped at the opportunity to show off my hard work and determination. But in reality, there were things outside of my control that hurt me in my job: my manager was badmouthing me, my personality didn’t scream “go getter”, I was too quiet, etc… And once these perceptions were set in place, it was impossible for me to turn around.

Despite being a good performer and getting great evaluations, I was overlooked and my talents were unnoticed. When an opening came up that I could be promoted to, I wasn’t even considered. I learned the hard lesson in life that sometimes you just don’t get credit or recognition you deserve. And working hard for a company doesn’t always translate to dollars. It’s now very clear to me that even if you have a secure and reliable job, you should always have a side hustle. Life is just too unpredictable.

Then my worst fear came true, my company added another agent for us to share commissions with but didn’t adjust our base salary. Three people are now sharing a pie that used to only feed two. Now we’re squabbling over deals like our lives depend on it.

Moral of the story is that things can always change at work financially for you, the income you have today can easily be changed tomorrow if the company so chooses.

Good thing I have a side hustle going on. I’ve been reselling like crazy. Doing the whole buy cheap as possible at liquidation auctions and selling as high as possible. Poshmark, Mercari, EBay, Depop, Facebook Marketplace, Vinted; you name it, I’m on it.

My motivation comes from my favorite entrepreneur: Gary Vanderchuk. If you don’t know him, he’s hustled his way into millions. First with his father’s wine business, then building a content marketing and social media management agency. He does these YouTube episodes called “Trash Talk” where he goes to all these garage sales and finds things to flip. I felt inspired that a self made millionaire would be so humble to take the time to show how easy it is to make money online.

So here I am spending my nights and weekends trying to build something real so I can get out of my 9-5 job that only gives me a 3% raise every year, if that.

Today I’m here to remind you that IF YOU’RE NOT HUSTLING A SECOND INCOME, THEN YOU’RE ONE EVENT AWAY FROM POVERTY.

I don’t know about you, but even with a solid income and array of benefits, even with a partner who contributes to the finances: I still find it hard to save money for a house or save for retirement. THIS IS WITH ME BUDGETING AND TRACKING EXPENSES EVERY MONTH! It seems like I’m either going to have to work twice as hard now, or twice as long. Personally, I’d rather work twice as hard while I’m young and still have the energy.

I think about what if I lose my job? That’s easily a possibility. I mean, they’ve already cut into my commissions without remorse. What if my husband or I become disabled? Of course no one wants to think about these terrible scenarios but let’s be honest, tragedy hits families every day and then they have to figure it out.

For me, the biggest reason to have a side hustle is to save enough of my second income and create a barrier to protect my family from financial tragedy.

If I lost my job, it would only take a total of 3 months before I had to go in the red and start relying on credit cards. Having worked since I was 18, I just don’t find that acceptable at my age to feel that insecure. So here I am, trying to rub two dollars together and make a twenty.

You don’t necessarily have to resell to have a side hustle but I consider it to be a pretty fast way to build capital. Here are some other ideas on how to make money and always be hustling:

1)Uber driving
2)Tutoring children and babysitting
3)Blogging and monetizing the traffic
4)moonlighting and taking on extra shifts at work or a 2nd job bar tending
5)Social Media- becoming a content creator and monetizing the following once you reach 100K followers.

I like reselling because it’s flexible, easy and fairly cheap to get into. If you have a thousand dollars to spare, that can buy you a lot of inventory. And, if you’re smart, at least 200 pcs.

Side hustles aren’t meant to be glamorous. They’re meant to create financial buffers to keep you from ruin and help make a plan for the future. A lot of people make the mistake, because they make $25 or $30 an hour, of thinking that making less per hour at a side hustle as not worth your time.

That’s a huge mistake because even if you only make an additional $100 a week for your effort, that will easily translate to $5000 a year and over the course of 10 years that adds up to $50,000! I don’t know about you but I could use an extra $50,000. That would pay off the balance of my student loans and would be a sizeable enough down payment for a home. That kind of money can do a lot! Or, if you invest it wisely, it can grow even more!

Impatience tends to be the killer of dreams and keeps you from the “always be hustling’ mindset. For many, the thought of spending their nights and weekends building a business or saving some money is too hard of a commitment. Impatient people are too dependent on their guilty pleasure like reality tv, candy crush games and mindless social media scrolling. Seeing the long term game in life and playing to win long term will be the difference between living with wealth and living on the edge of poverty.

So I definitely believe that being a forever hustler is key to having stability, changing your life, meeting your financial goals and overall happiness. A healthy second income won’t buy happiness but it can definitely solve some problems. So always be hustling.

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How To Resell Clothes: Ebay, Poshmark and Mercari

How To Resell Clothes and Get Rid Of Clothes
How To Resell Clothes and Get Rid Of Clothes

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I’ve been going through a phase of cleaning out my closet to get rid of extra clothes. OBSESSIVELY. I literally wear maybe 10% of my clothes. And I think most of us are like that. We buy something maybe we wear it once, or there’s some feature that we just didn’t like about it and then we never wear it again. We hope we might but we never wear it again. I have so many things that I do this with it’s not even funny. Clothes, shoes, jewelry, random knickknacks, you name it. I’m also the type of personality that enjoys going to fleamarkets. I enjoyed sifting through racks for hours and then trying to get the best price. So of course I really enjoy the whole reselling used clothes/items thing that’s going on right now and wanted to learn how to resell clothes on eBay, Poshmark and Mercari.

And it seems like there’s more people buying used clothes. The public is more aware of how devastating the fast fashion industry has been on our environment as well as the wastefulness of constantly buying clothes. So in a way, buying used clothes, as long as they’re in good condition, is fine.

So here is my review on the three platforms (ebay, Mercari, Poshmark) and how to resell clothes on them. So far I’ve sold 3 items in 2 weeks!

eBay

eBay, oh eBay how I love you. Literally the OG of all reselling companies. I started dabbling with online selling in 2016, just selling a few things that were in my closet. Now here I am again, trying to learn how to resell the clothes out of my closet and maybe more if it works out.

The positive of selling on eBay is that it is a MASSIVE platform to sell to people. Since it’s older than both Mercari and Poshmark, it has more pull in terms of being the most familiar. The only issue I have with it is the auction feature. Of course eBay sold itself as being an online auction house first for basic things like electronics, games, clothes etc. And people are very used to getting REALLY good deals from this. In other words, the users are really cheap. Which is fine if you have the right product and can price it low enough.

For me, I’m selling clothes and some jewelry that I’ve already worn so I don’t need such a high markup. I’m pricing most of my clothes at $10-$40 depending on how worn they are or if it’s new with tags.

I didn’t use Ebay’s auction feature but did use it’s “buy now” feature. Here I can set the price, determine shipping costs and describe the item. They have this new option to “promote” where for an additional 10% fee you can get the listing promoted. They also take 10% fee when it sells. After 50 zero insertion fee listings, the insertion fee is $.35.
For the most part, this seems reasonable. I don’t opt to promote it because traffic on eBay is wonky. Sometimes an item will be priced well and sit, or sometimes priced high and move. If someone wants your product, they’ll buy it or at least send you an offer.

The one item I sold on eBay, someone submitted an offer. And since I wasn’t losing money, I took it. I just wanted to get rid of the clothes.

Shipping is probably their best feature. After you’re done selling, you just ship it off using their prepaid shipping label. Their vendor is USPS, it comes with tracking and I find their rates VERY competitive. So for the most part you don’t have to worry about shipping. I don’t include shipping in my listings but I never charge higher than $4.99. Pretty much the best place to start if you want to learn how to resell clothes.

Mercari

This is a very similar website to eBay. I mean, other than not having an auction feature, they’re almost identical. It’s basically the “Buy Now” feature only.

I did find that the traffic there is a little bit better for clothes whereas, EBay it was limited. Views kind of trickle in on eBay.

One main difference is in promoting your listing- just lower the price. The new listings show up on the top of the search but discounted ones get kind of a refresh button and show up on the top too with a down arrow indicating prices are dropped. This type of promoting definitely encourages people to kind of wait and see if prices lower. HOWEVER, there is a “like” feature similar to eBay’s “watching” feature that allows buyers to know if there are other interested buyers. This can create a sense of urgency that could help move a listing along and get rid of clothes that you’re selling.

I sold one item on Mercari and would rate the the shipping as fair, not too expensive but not as good as eBay. For some reason, I feel compelled to offer free shipping on products. That probably plays into why I get a little more views on Mercari than I do on eBay. Sales-wise they’re pretty equal. Fee-wise similar to eBay with 10% commission and no listing fees.

Payment processing is a bit different. eBay indicates the payment has been made immediately, and if there are any issues buyers can dispute after. Mercari only shows payment once the buyer has received the item. And then they have 3 days after delivery to confirm the product is as described and it was delivered. If they don’t, the funds get automatically deposited to the seller’s account.

Honestly not sure how I feel about this. Because I’m only selling small items and clothes, this doesn’t feel too risky. If I was selling electronics, I think it would cause issues to delay payment like that.

Overall a good platform that compliments eBay.

Poshmark

I have yet to get a sale here, but I’m giving it an honest chance because I really want to know how to resell clothes on this website.

Overall, it’s definitely a more social platform. Poshers (aka sellers) have to share each other’s listings as part of the platform’s structure. There’s also a follower and following section of your profile that is above your listings. I’ve been on Poshmark for less than 2 weeks and I have over 4K followers. It’s customary to follow back here. There are tons of sellers that have over 100K followers and following.

Because of this social aspect, it’s more time consuming.

But there’s definitely a hustle to this platform.
Like both eBay and Mercari, you can cover shipping, offer discounts, etc., but on Poshmark you can suggest an item if someone has something of yours in their bundle (shopping cart). This is how you can sweeten the deal. You can offer an addition item be taken with a 5% discount and also offer to cover part or all of the shipping. It’s a sweet deal for them and sweet for you.

However, Poshmark has to be the more expensive platform of the 3 with a 20% commission fee and a buyer shipping cost of $6.79. That $6.79 shipping cost the buyer has to pay will in turn make them more price conscious and the 20% cut that the seller has to pay makes the products more expensive.

I do believe that the clientele on Poshmark is willing to spend and, in a way, they’re more stylish. Unlike eBay and Mercari where you can sell anything, Poshmark is only clothes, shoes, accessories, makeup, and perfumes. It’s rare to see anything outside of that there. Since the clientele is more stylish, they’re going to appreciate good marketing and will likely pay more for it. At least you can get rid of clothes and make a pretty penny from it.

I don’t know much about their shipping because I haven’t sold anything yet.

I will definitely keep Poshmark in my pocket as a contending selling platform.

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Overall I think you can make a killing reselling and get rid of clothes in the process. The most important thing is to work all 3 of these platforms. The likelihood that an item will sell on 2 or all platforms at the same time is rare (as long as you price correctly), in which case you can cancel a sale on one of them, but using all 3 makes it easier to get your items to a buyer who will love it.

Hope you enjoyed this guide on how to get rid of clothes by reselling. Happy selling!

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What To Do When You Dislike Your Job

 

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I’m going back to work in less than a month, my maternity leave is over and I really wish it wasn’t ending. Though it would be nice to earn real money again, short term disability and paid family leave is really nothing in terms of compensation.

During my time of just being at home with family, I realized why I’m always so on edge and why I’ve been so unhappy with my career. I finally have the job that I’ve been looking for for so long, but it’s the people that make it miserable.

You see, I thought I would be happy doing challenging work with competitive pay but I was wrong.

There’s not a single one of my bosses that I’ve liked. You can follow all my blog posts and see just how miserable this job has made me. Yet I stay because of the benefits; because I have to put food on the table.

  • I’m Beginning To Realize It’s Just Me.

I’m not a team player and organizations don’t like that. They want someone who’s going to do what they’re told, follow the pack, play fair and be nice, all while being trampled on. And I don’t know how to be a team player in that kind of environment.

Ever noticed whenever you question something at work or you you realize that you’re taking on more work than you should, they always throw out “be a team player?” Like that propaganda is going to make me forget that I am being used beyond my compensation. If I already know that I have no chance of being promoted mainly due to the culture of the company, why would I do more and why would I want to be a team player on a team that doesn’t recognize hard work and excellence?

The truth is I work better on my own. I like to solve my own problems, have my own system and have autonomy over the quality of my work. With team environments, generally, jobs want a systematic approach that’s not necessarily most efficient, consistency across the board and groupthink where everyone has the same opinion. And that’s just not me and that’s not going to change, I’ve tried.

So here I am, a black sheep in a white flock, trying to stay inconspicuous.

I Haven’t Met A Manager I Respect

I honestly have rarely met a manager I can respect. Just because you’re above me in rank or in compensation doesn’t mean you own me; the corporate world kind of forgets that.

The only manager that I have ever been able to respect was one that looked out for their employees, mentored them and wanted to see them succeed. Plenty of managers will pay lip service to that kind of idea but actions always speak louder than words with me. And someone who doesn’t walk the walk is less than a manager in my eyes.

So right now my manager is someone who complains a lot, wants to get things his way, a brown noser and someone who pretends to be nice but really isn’t. I’ve worked with him for about a year and a half now so I have low hopes that things will get better. I just can’t get myself to respect him.

So what do I do? When I’m working at a job that has no growth with a manager I don’t respect?

My goal for when I come back to work is to just keep my head down and take it day by day.

I’m not going to pretend like I love my job or that I respect my manager or that I’m even friends with my coworkers, because I’m not. What I can do is control my attitude and realize that I’m at this job for a reason. I can quit any day I want. But I don’t. And that’s because I still need to keep this job for whatever reason whether it’s benefits or pay.

A lot of career advice will tell you to just talk it out with your boss or change directions at work or put everything in emails, but sometimes that advice is just full of shit.

I’m giving real world advice here and that is: work’s not fair and work’s not always right. You have to keep a long-term goal in mind even when you’re doing something you hate because you’re not going to be at that job forever. And I want to say that there’s nothing wrong with you just because you can’t fit into corporate culture; it’s really not for everyone. It’s not for me either but you need to use it as an opportunity even if it’s only a short-lived one.

Worst than being at a job that you dislike is being the person who’s constantly jobhunting for the perfect job, which I don’t believe exists unless you’re your own boss and can control your work environment.

So my main point is to make an exit plan, find out what you love and find a way to monetize that. Then make a deadline on how you’re going to make that your full-time job and do it. Your day job can just be a steppingstone, something that can get you to the next place in life.

Maybe I’m not corporate made, it’s not who I am but somehow I’m going to find a way to make my job work for me and help me grow into a career that I can be proud of and love.

It’s OK if you’re failing at work or just getting by, as long as you treat it like an opportunity and a stepping stone to help get you the kind of work you love.

Amazon’s “Subscribe And Save” Program Will Save You So Much Money

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Photo by Christian Wiediger on Unsplash

I’m a huge lover of Amazon. It’s probably the place I shop most. My bank account statements are literally lined with Amazon, Amazon, Amazon.

The Amazon Prime subscription is pretty awesome and I find myself relying on it more with every year that passes. I secretly hate trips to Target and if I know what I want to buy, why not just buy it online?

A bit of a caveat, not everything on Amazon is a worth buying. One of my most recent Amazon mistakes was buying food type items. No I haven’t tried Amazon Fresh, I think that’s a completely separate category, but I have tried buying in bulk Miss Vicky’s jalapeño chips from a 3rd party vender. I love them so much! I ended up buying like 40 in a box and tell me how they ended up with expiration dates that ended the following month? How am I supposed to eat 40 bags of jalapeño chips in a month? ??

I also made the mistake of buying 16 kinder eggs because my daughter loves them and I want to give them as a reward for doing homework. Tell me how their expiration date was for the following week? Why would I buy these from that seller again? I’m not going to give my daughter 16 Kinder Eggs in a week!

So you have to be careful with certain things because Amazon is still a place where people sell wholesale and sell leftover inventory when they can’t sell in their brick and mortar store. It’s just one caveat.

But I still opt for the Amazon “Subscribe and Save” purchases. These items are not going to expire as easily as food stuff so it makes sense for me to buy them in bulk or buy them on a regular schedule so I can get the discounts. When you do Amazon “Subscribe and Save” you can get either a 5% discount for subscribing to buy an item or you can get 15% off if you have five or more items subscribed for delivery that month.

For example, May I ordered five different household items so I was able to get the 15% discount that whole order. But in June, I had only three household items subscribed for delivery to so I was only able to get the 5% discount.

Any discount is better than no discount, but I usually try to arrange my purchases so that I can get 15% off my order every month. That means every month I’m getting five different items that I can subscribe to through Amazon. The nice thing is that you can move orders around so that you can meet your 15% discount with the five item minimum easier.

I would recommend going for items that are not going to expire easily, that you need on a regular basis and are easy to ship. Things like soap, diapers, baby wipes, shaving cream, lotion and shampoo are great examples.

So what am I ordering every month? On my subscription list are the following items:

Those are just some of the things that I like to buy from Amazon. Just know that they’re mostly household items that can fit in your closet for a few months and non-perishables. The subscribe featured items are also constantly being shipped to other people, so they’re less likely to be stale.

And of course this is all predicated on the fact that I have Amazon Prime, which I think I pay $13 a month to get free shipping on all Amazon Prime items. Totally worth it especially with the new Subscribe and Save feature. With a 5%-15% discount, these items are highly competitive with any other store pricing.

If you don’t have it already, definitely sign up for Amazon Prime, right now they’re offering a 30 day free trial for those just starting out! I would recommend giving it a try and mixing it with buying items through the Subscribe and Save program, it basically pays for itself! I hate making Target runs mainly because of how busy the store near me usually gets and how disorganized they are. Amazon is a deliver to your door type of service.

I used to worry that someone would steal my package but I honestly never had a bad experience with ordering through them. Their customer service centric policies are what make them an amazing business model. And they have no issues with refunding if you have a bad experience.

So would definitely recommend using Amazon as part of your grocery/household shopping arsenal. You can definitely work it so you’re saving on things you need and in bulk. At which point, the cost of Amazon Prime pretty much pays for itself.

Happy Shopping!

How To Find An Attorney For Civil Suits And What To Expect

It looks like my mold saga is coming to an end. We seriously considered finding an attorney to help us negotiate with our landlord. It was a frustrating process, but my eyes are definitely more open to the reality of what it’s like to work with an attorney.

Last month I was at a kindergarten graduation and I was talking to one of the moms. The topic of lawyers came up because she had been through a divorce. She said, “all they want to do is bill you.” I didn’t think much of it but after looking for representation of my own I realized she was right.

I Learned A Few Things About Lawyers And The Law This Week:

  • The Purpose Of Tort Law

Tort law, according to Wikipedia, is a civil wrong that causes a claimant to suffer loss or harm resulting in legal liability for the person who commits the tortious act. Its purpose is to right a wrong that has been made and put that person who was harmed back as if they were whole again.

So if someone negligently drives under the influence and ran someone on the sidewalk over and then that person lost their legs, tort law tries to find a monetary amount that would be equivalent to losing your legs. In other words, how much are that man’s legs worth?

So even though we were exposed to mold in our apt, which could have dangerous health effects on us and our 2 month old baby, the fact that we weren’t dead or dying didn’t give us much of a case.

  • Lawyers Aren’t Going To Do All The Work.

I don’t know why I have this image in my mind of lawyers wanting to jump at the opportunity of righting some injustice, but that’s not even close to how they work.

They don’t want to have to prove you have a case. YOU have to go to them and prove that you have a case under the law. That means you have to do a bit of digging on what laws apply to your issue.

From there you might get a consultation and if the attorney feels you have a good enough case, then he’ll take you on and start the process of the lawsuit.

  • It’s All About The Benjamins

Even if you have a case, that still doesn’t mean you have a case worth taking on. Because attorneys need to get paid one way or another. It’s going to be either hourly billing or contingency.

For contingency fees, they usually run 33% if you settle and 40% if it goes to trial. Zilch if the case doesn’t settle or win. So what they’re really looking for are cases that can settle or win.

For most attorneys, the question on their mind is, “If I take this case, how likely will it be to win and how much will I make.”

If they can’t make money off the case, they won’t take it.

  • Personal Injury Attorneys

Our first attempt to resolve this was to find a personal injury attorney. And they are the worst. I could not get a hold of a single one of them. They all had these bulldog secretaries that just took information and messages. Whether the attorneys actually got the messages, we don’t know, but I never heard back from anyone.

I thought it was really ridiculous that they spent all this money on advertising, to bring clients in, but they couldn’t be bothered to meet with us or respond. I guess we just weren’t dead or dying enough to make a case that was worth the money.

  • Find An Attorney That Specializes On What You Need.

At first it felt like we were taking shots in the dark. I would call personal injury attorney’s and ask, “Do you do mold litigation?” I didn’t have any referral attorneys that I could turn to. If someone said no, I would ask for a referral. It seems no one wants to give another attorney a referral.

None of the lawyers would help me so I had to rely on information from the legal secretaries. One straight out told me I would have to be severely injured for them to take me. Another referred me to the state bar association. The state bar can refer me for a $35 fee. Another secretary was more helpful and told me I would need a landlord/tenant attorney and to check AVVO.

AVVO is basically like the Yelp for attorneys, they sort by area and specialty and can help you find an attorney that has the experience you need. There are also a lot of reviews, so you can choose a top rated attorney.

  • Be Prepared To Drop Your Case Before It Even Started.

“I’ve always found the legal system to be disappointing” That’s what my dad said when I told him I wanted to sue over the mold.

Well, he was right. After I finally found a landlord/tenant attorney to meet with me for a $150 consultation, we learned we wouldn’t recoup much in damages. Maybe one months rent.

The attorney was very knowledgeable but basically laid it out for us that to pursue this in court would cost more than we could get and that basically we need to negotiate with our landlord to fix the problem permanently or to allow us to break the lease. I felt a little jipped, of course I can negotiate with my landlord directly and they already told us we could break the lease. What we wanted were damages for the costs of moving and furniture!

Our search for an attorney was long and stressful. In the end we did get enough information to make an educated decision on what to do about our apartment. I honestly hope I never have to consult a lawyer again or use an attorney’s services. Because at the end of the day, getting injured from mold or anything isn’t worth a large settlement.

We learned a lot from our situation. In case you ever need legal advice, here are the questions you’ll need to ask:

  1. Have you ever dealt with cases like this before?
  2. What is your success rate
  3. What is your retainer?
  4. Do you work hourly or by contingency basis?
  5. How will you keep me in the loop about the progress of my case?

Good luck and thanks for reading!