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unethicalEditor's note: This guest post was written by Jon Dulin of PennyThots.com.

We are not afraid to admit that there are thousands of ways to make money on the side that can help you with your budgeting and getting out of debt. But we are also not afraid to admit that a number of these money-making schemes are not on the up-and-up.

While there are some very legitimate ways to make money (delivering pizzas or newspapers, doing some freelance work online, starting a small business), there are some that are illegal (prostitution, selling drugs, robbing banks), and there are those which kind of toe the line between legit and not-so-much.

We all know that just because some scheme is legal doesn’t always mean it’s right. Working a business and making money can and should have an ethical and moral component to it. But there are times when the love of money overrules ethics, morality and common decency. Even if legally the person can get away with it.

This is why we always say if something seems too good to be true, you should always ask questions and do research before getting involved in something that might be a little loose with ethics if not the law.

Now, to be clear, while we advocate finding ways to make extra money to help get your financial house in order, we are not writing about unethical money-makers as an encouragement to you. This is more for educational and informational purposes that there are some unethical things out there, and you should be aware of these so you can decide for yourself if doing something similar will work for you or not. If you have ethics, then you will pass and not get involved in anything like these. However, are any of these things truly wrong, in your view? ...continue reading

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bed bath
Image: BedBathandBeyond.com

We are gathered here today to say farewell to the Bed Bath & Beyond 20% discount coupons, whose passing came on suddenly this week.

Oh, dear 20% off coupon, you touched so many lives in so many different ways. You’ve been the perfect companion through all of life’s biggest moments, including my own.

Your presence was always a welcome one — I’d see your blue and white amidst the bills and magazines, and it was like seeing an old friend. Your reliability provided a strong sense of comfort, whether you knew it or not.

I grew up with you and shared the big life-altering moments with you. I remember taking stacks of you to the store so I could load up on shower totes, laundry baskets and extra long sheets in the fall before starting college. ...continue reading

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good volunteerThe holidays are a popular time to volunteer, when charities need help during what can be their busiest time of the year. Being a good volunteer can be a big help.

If you’ve never volunteered before and are intimidated by where to begin there are a number of organizations that are looking for the following types of help:

  • Financial. Many organizations run fundraising drives at this time. Take time to figure out what causes are important to you and work on your budget to see what you can donate comfortably.
  • Your time. There are a number of clothing/food drives that can’t happen without volunteer hours. Volunteer at one of these events so that they can successfully meet their organization’s goals. According to The Nonprofit Times a volunteer hour is now averaging around $23.07 an hour. Volunteers save organization huge amounts of money on wages, tax contributions, and health care that they don’t have to pay for paid employees. This savings allows organizations to remain focused on the organization’s mission.

...continue reading