(Family Features) Making money from everyday items in your home may be easier than you think. With a growing number of companies simplifying the process, turning unused items into cash has never been simpler.

Making Cash

These companies are part of the circular economy, where you get to make money from your items and feel good about it at the same time. By reselling items you don’t use, you can give these items a second home or repurpose them into something that has practical applications.

For example, unused gold and precious metal jewelry can be given a second home to or repurposed for vital technology sectors like health care. This reduces the need for environmentally taxing mining operations and gives these valuable resources a second purpose.

Whether it’s clothing, jewelry or tech, consider these simple ways to make extra cash by selling items online.

Sell Used Clothing

Some newer platforms offer a less hands-on approach to selling used clothing online. Unlike popular online platforms that require you to take pictures or create listings for your items, look for outlets that allow you to simply package your items and send them out with an insured label. This makes selling clothing online a breeze and reduces the potential headaches of dealing with buyers directly and managing listings.

Sell Unworn Jewelry
For precious metals like gold jewelry or silver jewelry, selling directly to a trusted buyer can provide a fast, secure way to unlock their value. Consider TheAlloyMarket.com, a company featured in trusted outlets like Forbes, NBC and US News & World Report that offers a streamlined process with free, insured shipping and no hidden fees or commissions. Unlike platforms that require complex listings or charge extra fees, you keep 100% of the quoted price. On average, customers earn $1,700 or more for gold jewelry and other precious metal items, offering a straightforward, easy and rewarding way to sell unused valuables.

Sell Designer Bags
If you have any designer bags at home, look for platforms that let you sell handbags directly to them and provide upfront estimates before you ship your items. Some platforms provide free insured shipping and marketplaces where you can buy designer handbags at discounted prices.

Sell Books You’ve Already Read
While this likely won’t make you a fortune, selling used books is a simple way to make some extra cash and help preserve the environment. College students in particular can benefit from upfront estimates and free shipping or the ability to trade in used books for ones they’ll need next semester. Plus, some platforms also offer books for purchase at heavily discounted prices.

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Sell Tech After Upgrading
If you upgraded phones recently or have a used phone just collecting dust, get an upfront estimate for your phone from a trusted site. Some buyers provide free shipping and, with upfront estimates, you know exactly what you will get for your used phone before sending it in.

Sell Old Furniture
Turn your unused furniture into cash by listing items like sofas, tables or chairs on local marketplaces or apps. Clear photos and detailed descriptions can help attract buyers nearby, saving you the hassle of shipping. Selling old furniture not only earns extra money but also helps reduce waste by giving items a second life.

To learn more about how you can get a free, no-obligation estimate for gold jewelry or other precious metal items, visit TheAlloyMarket.com.

SOURCE:
Alloy Market

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(Family Features) Saving money is a critical financial practice that nearly everyone strives to accomplish. Yet, it is often easier in theory than reality. If you are anxious or concerned about your financial situation and your ability to save, know you’re not alone.

More than one-third (36%) of the general U.S. population feels anxious about their current financial situation. Further, many households across the country do not feel in control of their finances, with 11% reporting they’ve “forfeited contributions to their retirement accounts,” potentially impacting themselves later in life. These figures from the World Financial Group paint a concerning picture of how people across the country feel about their current and future finances.

Consider these savings tips.

Create a Budget
Every budget begins with your net income. Ensure you subtract deductions like taxes, workplace benefits, insurance or retirement plan contributions. This way, you know exactly how much money is available each month. Next, calculate all fixed expenses, including regular monthly payments or bills. These include utilities, cellphone bills, rent or mortgage, vehicle payments and anything that remains static month-to-month. Subtract those fixed expenses from your net income to create your monthly budget.

Track Your Expenses
Once your budget is in place, it’s much easier to keep track of expenses that vary month-to-month, like gas, groceries and entertainment costs such as dining out, seeing a movie or going to a sporting event. Tracking minor expenses may seem tedious initially, but logging each purchase can help set a foundation for financial accountability.

Set Savings Goals
Tracking your expenses for a few months should give you a good idea of how realistic it is to save a set amount of money each month. Before you set a goal, or if you’re struggling to consistently reach savings goals, take a financial literacy quiz to test your knowledge and then consider meeting with a financial services expert.

Pay Down Debts
Debt is one of the largest barricades people face when trying to save more money. If you feel debts are stopping you from reaching your financial goals, know it is possible to pay off debt while saving at the same time. Make sure to prioritize debts with higher interest rates that lead to compounding costs in the future and then, if possible, make more than the minimum payment to pay them off faster. It may limit you in the short-term but can equate to more financial freedom – and the ability to save more – in the future.

Find more expert savings advice and test your financial literacy by visiting WorldFinancialGroup.com.

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Photo courtesy of iStock

SOURCE:
World Financial Group

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

Civil Legal Issues

(Family Features) Your landlord is threatening to evict you, while maintenance issues in your apartment complex have been ignored, making it difficult to get to work and pay the bills. That’s a civil legal issue.

You know you’re qualified for Veterans or Social Security benefits, but you can’t seem to get through the red tape. That’s a civil legal issue.

The mobile home park where you lease a space for your manufactured home is kicking you out, and you may lose your investment in the home as well as a place to live. That’s a civil legal issue.

A survey from the Legal Services Corporation (LSC) found many Americans who experienced a civil legal matter within the past three years (59%) didn’t seek legal help from an attorney who could have been pivotal in getting their issues resolved.

A misunderstanding found in the survey is that more than half of American adults (56%) wrongly believe they have a right to a lawyer in a civil case. In fact, Americans only have a right to a lawyer when they have been accused of a crime. This misperception means some people may end up in civil court at a big disadvantage in a complex legal system because they don’t have legal representation.

Civil legal issues can be life-changing. Even though people do not have a right to a lawyer in these cases, free help is available for many low-income people who cannot afford to hire a lawyer. Celebrating its 50th anniversary this year, LSC supports 130 independent, nonprofit legal aid programs in every state, the District of Columbia and the territories. It launched the Protecting the Promise outreach campaign, aimed at ensuring legal aid is available to low-income Americans who need it.

Legal aid attorneys help with the most common civil legal issues people in the national survey said they faced in the last three years, even if they didn’t recognize them as legal issues. Those were debt collection (63%), job loss (56%) and issues surrounding natural disasters (52%).

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In addition to these issues, legal aid organizations supported by LSC also help with family law issues like divorce, child custody and domestic violence.

Many Americans don’t realize when they could benefit from legal assistance. A significant portion of Americans (1 in 3) who didn’t seek legal help for civil matters in the past three years said they thought they could deal with the problem on their own or didn’t think the problem was serious enough for legal help. Additionally, almost one-quarter didn’t reach out for legal assistance because they didn’t think an attorney could help with their problems.

More than three-quarters of women didn’t seek legal help when contacted by creditors or collection agencies compared to fewer than half of men who didn’t seek help.

Money is a big barrier. Among those who did not seek legal assistance, nearly one-third did not do so because they were worried about the cost.

Unresolved civil legal issues can pile up, hurting individuals, families and even entire communities. For people with low incomes, getting help can be difficult. Hiring a lawyer can be expensive, and most people don’t know where to start.

To see if you’re eligible for civil legal aid or to find a legal aid organization in your area, visit lsc.gov.

Photos courtesy of Shutterstock

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SOURCE:
Legal Services Corporation

The Bridge is a section of the STM Daily News Blog meant for diversity, offering real news stories about bona fide community efforts to perpetuate a greater good. The purpose of The Bridge is to connect the divides that separate us, fostering understanding and empathy among different groups. By highlighting positive initiatives and inspirational actions, The Bridge aims to create a sense of unity and shared purpose. This section brings to light stories of individuals and organizations working tirelessly to promote inclusivity, equality, and mutual respect. Through these narratives, readers are encouraged to appreciate the richness of diverse perspectives and to participate actively in building stronger, more cohesive communities.

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