One question that I receive nearly every week from readers is what I do about taxes since I am now a full-time freelancer/blogger. This is a topic that I have been promising for quite some time now, so I’m glad I can finally publish it!
Tax advice/tips for bloggers isn’t exactly the most exciting topic in the world, but it is something that needs to be talked about.
As a blogger/freelancer, I have noticed that there are not many articles out there about the subject.
Why is that though? As a blogger, taxes can be a scary thing to think about, especially if you haven’t been saving for taxes as you go. Or, maybe you are not saving enough and didn’t realize this until now.
Read further on Diversified Finances.
She thinks that he won’t take it the correct way, but she wants to protect herself in case anything were to happen.
Does this mean she doesn’t believe in their relationship? I don’t think so at all!
These days, with all of the statistics you hear about divorce and the crazy stories you hear about exes taking them for everything that they have, it may make sense for some couples.
A prenuptial agreement (“prenup” for short) is what a couple signs to lay out and figure out their assets and finances. This contract is usually made before the couple gets married (however, it can be created afterwards) to protect themselves in case the marriage ends badly.
A prenup will help you in cases where:
I have also heard of couples putting a cheating clause into their prenup. I’m not sure if this is true but I heard gossip that Jessica Biel has one of these contracts where if Justin Timberlake cheats then she will get around $500,000.
Other celebrities have put drug clauses where if the person relapses then the other will receive $1,000,000 for each year that the person was drug free.
One of the main reasons why couples say that they do not want a prenup is because they consider it extremely unromantic and almost like you are saying that your marriage is doomed from the very beginning.
I don’t believe that is the case. I think each relationship is different, and prenups work for some, whereas they may not work for others. I do not think there is a right or wrong answer for all.
What about us? Before anyone gets snarky about what I’m about to say, I want to say that I don’t care What we did works for us, but I do realize that it does not work for many, many others. We do not have a prenup, mainly because we started everything together when we were very young (when we had absolutely nothing), bought a house together when we were 20 (yes, 20!) and already have combined finances.
No matter what you decide to do, I always think that you should discuss finances with your significant other until there is absolutely nothing left to talk about.
I have seen so many relationships where finances are not discussed anywhere the amount that they should be, and this is just scary to me. I know people where:
My side hustle is selling group cruises. I plan cruises for organizations, weddings and private groups. Family reunions, scrapbooking clubs, photography clubs, spring break – you name it.
I didn’t make any money from the first cruise I planned, but in the year since I’ve been a group cruise planner, my side hustle income has almost exceeded my full-time income.
I got started with my side hustle by accident. I had never intended to get into the travel business, I simply loved to travel to new tropical destinations. I planned a group cruise for a few friends, and while the planning was stressful and hard work, everyone had a great time.
After planning that trip, I decided that I wanted to break into cruise travel sales.
Since I love to take cruises, making money for selling dream vacations to other people was a natural extension. I never knew how complex the cruise industry was or how far they go to train their sales agents. While selling is hard work, seeing the enjoyment of my group members is well worth the effort.
I plan group cruises. I put together custom itineraries for groups, set up their amenities, plan their onboard and land-based activities and keep everyone excited throughout the process.
I manage the hard parts of the process so that my group members can just have fun and enjoy themselves. Because I handle everything, group leaders don’t have to worry about collecting payments, selecting activities or planning meals. I do everything.
Owning a business is hard work. I often get up before dawn to start working and don’t stop until well after midnight.
I am the marketing department, the billing department and the sales department. While it can be tough at times, the rewards make it worth the effort.
The biggest lesson I’ve learned as a small business owner is not to try to do everything. If you pick one thing that you’re good at and specialize in that, you’ll make more of an impact. I’ve also learned not to believe in scarcity. Even if there are 1,000 other people out there who do what I do, there are enough customers who want my service.
My start-up costs were $75 for business cards, a website and a domain name. I partnered with a host agency to become a travel seller, so I received free training and certification.
The most positive thing about my job is the opportunity to continually learn and grow. I love hearing about new ships, touring cruise ships and attending cruise trade show events. I also enjoy the free and reduced price travel.
My business goals are to grow and expand my business. I hope to take on another agent to help with business growth and sales. I also hope to increase my marketing efforts and capture more niches in the cruise travel industry.
My Bio: Alison Moxley is a professional writer and group cruise planner from Brooklyn, New York. In her free time, she enjoys non-fiction writing, photography and of course—travel. She also serves as a workshop presenter in New York City and a non-profit consultant. Her side hustles have included cake decorating, blogging and grantwriting. Alison Moxley is in the process of publishing her first book where she details her clever plans to pay off her student loans.
Would you like a side job in the travel industry? What do you want to do?