Day 3: Money-Making Challenge Continued

Earnings: $6.05 for 55 minutes of work. 

This evening, I dedicated two hours to my 30-day challenge to earn $100. I earned $6.03 from doing transcriptions and $.02 cents from Survey Junkie.

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Transcription Earnings
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Survey Junkie Earnings

In an effort to earn money from the other sites I identified in yesterday’s blog post, Day 2: Online Jobs That Pay Via PayPal, I did additional research and figured out what steps to take to start earning money from them.

Survey Junkie

Survey Junkie often shows up in recommended online job articles so I was curious to test it. This site gives you the opportunity to complete surveys in exchange for cash. Once you have reached 1,000 points, the equivalent of $10.00, the money will transfer to your PayPal account.

Each survey is assigned a specific number of points which translates into cents. For example, if you complete a 100 point survey, you get $1.00. A 50 point survey would be 50 cents. In the upper right-hand corner of the survey, you will see the approximate time it takes to complete a survey. See below screenshot. If you did three surveys worth 100 points each that take you 20 minutes, you would earn $3.00 for that hour. This might not be the best use of your time unless, of course, you’re sitting in front of the tv or traveling somewhere as a passenger, and don’t mind answering survey questions while you wait to get to your destination.

I accessed Survey Junkie and did one survey for a whopping $.02 cents.

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Transcription Services

QuickTate: The application process for this company requires three references, a quiz, typing test, and a background check for which you have to pay them $20.00 by PayPal or credit card. One of the guidelines for my challenge was to avoid paying money for classes, background checks, etc. For this reason, I did not apply to this company. To view the QuickTate employment requirements, click here.

TranscribeMe: I provided the basic information to become a transcriptionist. I’m at the stage where I need to take exams in the languages I plan to transcribe. I will save these for another night. To apply to TranscribeMe, click here.

Rev: I passed their grammar and transcription exams last month when I started exploring online work options. Tonight, I earned $6.03 for transcribing a 12-minute, 4-second interview in 53 minutes. The faster you type, the better. I type 60 to 70 words a minute; however, I often have a hard time hearing what is being said which significantly slows me down. You will not become rich doing transcriptions but you can earn extra money. To become a transcriptionist, click here.


Ibotta is a free mobile app that gives shoppers the opportunity to earn cash back on purchases after uploading a copy of their receipt. Tonight, I signed up for Ibotta. I still need to add the mobile app to my phone and explore this option further. To access Ibotta, click here.


You can use Foap to turn your photographs into money. The first step is to download their app to your phone which I will do later in the week. Tonight, I read through their site, watched the video, and learned a bit more about the company. Photos are licensed to buyers for $10.00. $5.00 goes to Foap and the other $5.00 is yours to keep. I have yet to try this; however, I am curious to see if any of my photos would sell. To access Foap, click here.


I read through the requirements to become an eJury member which you can access here. I will fill out the application process another night since it is almost 11pm here. This site is area dependent. If lawyers in your area do not use eJury, you will not have access to any cases. I will sign up and give it a try though.

Let the challenge continue. Until tomorrow …


Day 2: Online Jobs That Pay Via PayPal

Today, I reviewed all of the links in the blog post, How to Make Money Online: 45 Recommended Ways to Earn Extra Cash.

I eliminated the companies that do not pay via PayPal from my 30-day challenge.

I started with 45 ideas and ended with the following five sites:

  1. Survey Junkie
  2. Ibotta
  3. Transcriptionist (TranscribeMe, Quicktate, Rev)
  4. Foap
  5. eJury

I was surprised to find that most of the companies pay via gift cards. Several of the ideas in the article were investment companies or actual jobs, which I was not looking for so I eliminated those from this challenge.

I have decided to pursue the challenge with the above sites. If, after a week, I don’t have enough options, I will do more research and add other online jobs that pay via PayPal.

I hope to start testing these sites in the next day or two.



Day 1: Earn $100 Online by 13 November 2018

In an effort to earn $100 online by 13 November 2018, I worked on my overall plan for the next 30-days.

I chose the above link because most of the suggestions meet my criteria for this 30-day challenge which I discussed in yesterday’s blog post, Are Money-making Ideas on Facebook Too Good To Be True? Let’s Find Out.

I will work on this challenge again tomorrow night.

Have a great Tuesday!





Are Money-Making Ideas on Facebook Too Good To Be True? Let’s Find Out!

Let’s find out if money-making ideas from sponsored advertisements on Facebook are possible or too good to be true.

30 Day Challenge

Over the next 30 days, I will try to earn $100.00 using online sites.

If I am successful with this small challenge, I’ll move on to bigger and better challenges.

I created some guidelines to ensure I stay focused on my goal.


  • The site has to pay via PayPal.
  • I will not accept visa rewards, gift certificates, or vouchers.
  • Must be online.
  • I have to be able to do the work after 8pm or on the weekends.
  • No out-of-pocket expenses allowed for special accesses or classes.
  • No resumes. Who has time to update a resume anyway?

Many of the Facebook ads I have seen over the last few months suggest becoming an Uber driver, drop shipper, pet sitter, marketer, etc.

While these ideas may work for some people, they don’t work with my busy schedule. If you are going to do a challenge like this, it is important to know what your limitations and skills are.

Like many of you, I lead a busy life. In addition to the hobbies listed on my About Me page, I also work full-time and have a lengthy commute. My three kids have activities three nights a week and one to two soccer games on the weekend.

Despite my busy schedule, I have learned that you can make a lot of progress in a short amount of time if you start small, think big, and stay consistent.

Let’s earn $100!!! The challenge officially starts tomorrow.


Have You Ever Wondered How People Make So Much Money Online? Me too!

If you’re a Facebook user who loves to blog and you’re intrigued by making money online, you likely receive daily sponsored ads that go something like this:

  • Click here to rock your business. Last week, I had my best week to date. Six figures in the bank!
  • This is way better than a second job. Need 100? 500? We found 50 ways to earn a stack of cash before the end of the month.
  • Looking for extra side income? Here’s how I made over $85,000 working part-time in 2016…
  • How this 25-year old freelancer made $150,000 in 6 months of Fiverr.
  • How regular people are becoming independently successful every day.
  • We had NO IDEA how blogging would completely 180-degrees turn our lives around…We went from frustrated, young professionals working 9-5 jobs and basically hating our lives to making over $100,000 online in our first year of blogging. Since we’ve started a blog, we’ve been able to quit our jobs, work whenever we want, and even travel the world!

Many of the ads boast incredible numbers such as $150,000, six figures, $200,000, etc.

Are these ads legitimate?

In an effort to answer the above question, I am going to take at least one of the ads to see if I can replicate the results. I’ll let you know in the coming days which one I chose to test.

I can’t wait to keep you updated on my progress.

Enjoy the rest of your weekend!



Sign Up For Piano Lessons Before “Later” Becomes “Never”.

If you were going to buy yourself a present, what would it be?

red ribbon on brown cardboard box

A friend asked the above question on her Facebook page last night.

One of the responses was, “Piano lessons! My parents couldn’t afford a piano or lessons and at 51 … I still want to learn how to play!”

I learned that the lady was financially able to take lessons and had a nice quiet room for a piano yet whenever she found an inexpensive or free piano, she suffered from “cold feet”, as she put it and, “… was afraid to just jump right in!”

Can you relate to this? I definitely can since I started taking piano lessons at the age of 39 after wanting to learn for 20 years.

Don’t Wait For Twenty Years Like I did

When I was 19, my Mom’s friend Cathy who was in her forties purchased a black, baby grand piano and began lessons. I was in awe and vowed to do the same thing. I had never heard of anyone taking lessons “so late” in life. Now that I’m forty-something, I know better. Forty, fifty, or even sixty is not too late to start piano lessons.

In the years that followed, I toyed with the idea of taking lessons. So many thoughts went through my mind.

  • What if it takes 20 years to be able to play anything meaningful?
  • I’ll be so embarrassed taking lessons as an adult.
  • I can’t do it.
  • I can’t learn as fast as a child.
  • Maybe I’ll just teach myself.
  • What if it doesn’t lead to anything? At the time, I never did anything that didn’t lead to some sort of outcome (e.g. a new job, more money, etc).
  • I don’t have the time.

When I turned 39, I pushed aside my worries and purchased a used upright piano 10659152_796057933750699_691111222085942797_non Craigslist for $300.00 and began lessons. After a year of lessons and almost daily practice, I  proved to myself that I was dedicated enough to upgrade our first piano to what I actually wanted—a baby grand piano.

The year I turned 40, I sold our upright piano (see photo. It is buried under my birthday cards) and our third car so I could purchase a better piano in cash.

After visiting all the major piano retailers in the area, scouring Craigslist and the classifieds for a used grand piano, I finally found her—a 4’9″ Sojin grand piano. She had a few scratches on the left side likely from a previous move; however, I loved the way the piano sounded.

Three years later, I play nearly every day. I have progressed to the point where I can learn an intermediate four-page piece within a couple of weeks.

Perfection Isn’t The Goal

Below is a recent video of me playing Pachelbel. I learned the piece in less than two weeks for a 40-piece-per-year challenge.

I’ll be the first to admit that it isn’t “perfect”. It is nowhere close to being ready for a recital, the timing is off just a tad here and there, and my technique needs improving. In this case, perfection isn’t the goal. Playing my best and continuous learning are my goals.

By sharing this video, I hope to show how much progress you can make in four years. This time last year, I couldn’t learn a four-page piece in two weeks. That was unthinkable. With daily practice and dedication, you can make a lot of progress in relatively little time.



If I had not started lessons four years ago (my four-year anniversary was on 9 October 2018), I wouldn’t be able to play anything at all. I would still be wishing that I could play.

Imagine how much progress I could have made if I started when I was 19.

Imagine how much progress you will make if you start now and play for 5, 10, 15+ years.

What is holding you back from taking piano lessons? Or pursuing other dreams?

Four Ways to Create Your Ideal Life

Read time: 6 minutes 8 seconds

85% of employees are not engaged at work, according to a 2017 Gallup poll.

You probably know employees like this. I know I do. They ebb and flow through the waters of life complaining about their day jobs while waiting for the weekend, the next vacation, or retirement. This Gallop poll has always fascinated me, so I explored strategies that anyone can use at any age to create their ideal life. The four themes that surfaced the most during my research were:

  • Have a vision
  • Think BIG!
  • Invest in yourself
  • Work harder than you ever worked before

Dani Johnson, now a multi-millionaire, who was raised on welfare, pregnant at 17, and homeless at 21, calls the first theme, “The Law of vision“. She encourages readers of her book, First Steps to Wealth: A Revolution to Increase Your Income, Improve Your Relationships and Expand Your Influence, to write down any dreams you have, no matter how big or small, even if they start out as seemingly selfish, monetary goals. At this point, you don’t need to know how to accomplish them. You simply need to write them down.

When writing your vision on paper, think BIG!! Don’t hold back! Norman Poole said, “Shoot for the moon. Even if you miss, you will still end up in the stars.” Let me give you an example. If you’re tired of shaking, and sweating profusely before, during and after a work-related meeting, join Toastmasters. If you are already a member, don’t quit. To expand this goal, you could:

  • Aim to finish your first pathway in one year.
  • Schedule your speeches in advance so you are continually moving forward at a steady pace and never, ever cancel a speech, even if you don’t feel ready.
  • Compete in a Toastmasters competition.
  • Become a club officer.
  • Another idea is to work toward giving a TED talk. That is my ultimate goal. One day, I hope to speak from TED’s signature round, red carpet.

We’ve all heard the phrase if your goals don’t scare you, they aren’t big enough. Grant Cardone, a bestselling author and owner of several multi-million dollar companies, says in his book, The 10x Rule, that you should push yourself to be scared. The more you push yourself, the less scared you’ll be.

I have found Grant’s advice to be true. As a seven-year-old, I loved ballet but I was paranoid at recitals. As soon as I got on stage, I stood there frozen looking around at all of the girls not knowing what to do even though I knew the routine. Within two years, I quit.


Fast forward over 30 years, my daughter asked me to join her tap class last year. Even though I was nervous, I said “Yes, let’s do it!” because I didn’t want her to be scared like me when she is my age. In the first year, we participated in two dance recitals. Three weeks ago, we started our second year of lessons.

Can you believe that I actually love the recitals now? When one is over, I can’t wait for the next one. So many people have come up to me afterward and said, “I could never do that!” to which I say, “Yes, you can! If I can overcome my fears, so can you!”

When you have your vision on paper, and your dreams are as big as they can be, ask yourself, “How are you going to get from point A to your final destination?” You are going to need a plan. Linda, a fellow Toastmaster, would tell us to build a door. The best way to build that door is to take Dani Johnson’s advice and invest in yourself.

  • What can you do to increase your skills?
  • What classes can you take?
  • Who do you know that is successful? Go and talk to them.
  • If you want to be a writer, talk to a successful writer.
  • If you want a successful marriage, talk to a couple that has been married for decades.

When you start thinking big, you will notice that opportunities are all around you.

To achieve your goals, you will have to work harder than you have ever worked before. Arnold Schwarzenegger is a great example. As a young boy growing up in Austria after WWII, he desperately wanted to come to America. One day, he read a bodybuilding magazine article about Reg Park who grew up dirt poor in England. As he flipped through the magazine barely able to put it down, he learned that Reg Parks worked out for five hours a day. He went on to become Mr. Great Britain, then Mr. Universe twice, and finally secured the leading role of Hercules.

After that, Arnold’s vision was clear. He was going to move to America, become a champion like Reg on that same stage and become a movie star. Like Reg, Arnold weight lifted for 5 hours a day, took acting and language classes. Despite all the odds against him and directors telling him that nobody would ever hire an actor with such a strong accent, he was finally offered a few small roles. He got his big break with the move The Terminator. We all know who Arnold is. To view Arnold’s Five Steps to Success speech, click here.

If you don’t like where life has taken you, push yourself away from the bank, and swim towards a brighter future. You will encounter rough waters and naysayers, but know that if you have a vision, think big, invest in yourself and work harder than you ever have before that you will find yourself amongst the stars, and you may even end up on the moon.

P.S. The above blog post was my second Toastmasters speech from 19 September 2018 which took 6 minutes and 8 seconds.