JoClub

How Dina Transformed Her Life with Our 21-Day Program

Dina test — Mon, 03 Jul 2023 17:45:12 +0000

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Ultrices tincidunt arcu non sodales neque sodales ut etiam sit. Urna porttitor rhoncus dolor purus non enim praesent elementum facilisis. Lacus vel facilisis volutpat est. Lacus vel facilisis volutpat est. Eleifend mi in nulla posuere sollicitudin aliquam ultrices. Massa ultricies mi quis hendrerit dolor magna. Volutpat commodo sed egestas egestas. Scelerisque eu ultrices vitae auctor. Porttitor eget dolor morbi non arcu. Hac habitasse platea dictumst quisque sagittis purus. Cras adipiscing enim eu turpis egestas pretium aenean pharetra. Risus nullam eget felis eget nunc lobortis mattis aliquam. Pharetra sit amet aliquam id diam maecenas ultricies.

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How Dina Transformed Her Life with Our 21-Day Program

Dina test — Mon, 03 Jul 2023 17:45:02 +0000

The post How Dina Transformed Her Life with Our 21-Day Program appeared first on JoClub.

How Dina Transformed Her Life with Our 21-Day Program

Dina test — Mon, 03 Jul 2023 17:43:26 +0000

The post How Dina Transformed Her Life with Our 21-Day Program appeared first on JoClub.

Self-Awareness Ebook

Jo — Fri, 16 Apr 2021 21:46:06 +0000

Self-Awareness Ebook

You guys get to be the guinea pigs for the new JoClub prompts ebooks!

This ebook is a part of a series of guides designed to get your mind and soul thinking about their respective themes. Each prompt was selected to take you on a journey, and in this case, we’re talking about matters of the heart.

Here’s a preview of the goods:

The book contains an introduction section
36 handpicked prompts in the theme of self-awareness
12 questions about your “roots”
10 questions about your “wings”
6 questions to keep you balanced
9 questions about self-love
A review section once the prompts are completed
each prompt includes a provocative “food for thought” paragraph to get your mind going

Price: $7.99 for priceless introspection

If completed, this ebook will help you uncover gems locked within you, and will shed away insecurities for the real growth the begin.

Perfect for someone who’s just getting started with journaling, or someone who’s been on the journey for a while. The questions are designed to be used time and time again.

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9 Legit Ways to Make Money Online During a Recession

Jo — Sat, 20 Jun 2020 03:11:46 +0000

The National Bureau of Economic Research has announced a week ago that the U.S. economy is officially in a recession. We lost 22 million jobs in March and April. Some people even say that this is worse than the Great Depression.

The main difference is now, we have the internet. *cue angelic sounds*

We’re in the era of getting CRAFTY to make that schmoneyyyyy. I just posted a video on this, but if you’re more of a text person, here’s an article.

I’ll be giving you some tips on how to earn money even if you have no skills, but of course, if you’re skilled you make more money. The good news is that this is the internet, you can always learn skills.

Who am I to speak about this?

Y’all already know the drill, I was an immigrant kid trying to make my momma proud, so I decided that I’d try and find my secret talent that would make me really successful and rich.

And when I couldn’t find it I kept trying it.

I tried playing instruments, learning languages, nothing screamed THIS IS IT, but in attempting to find my talent, I realized that I had learned the one thing that’s better than talent: skill.

I learned how to learn skills.

And it’s like the saying “teach a woman how to fish, she’ll fish for a lifetime.” So I’m gonna show you ways you can make something out of nothing. All you need is a computer, internet, and that big ol’ head of yours. Alright let’s get into it. This is HOW TO MAKE MONEY ONLINEEEEE (with little to no skills).

Start a YouTube channel and make passive income
- Here are the requirements to make money:
- Have more than 1,000 subscribers or more than 4000 public watch hours within the last 12 months
- Create an Adsense account let the DOLLARS ROLL IN (only, it’s not that much when you first start. The beauty with this method is that you’re making money on all of the videos you ever made over time. So the more you post, the more cash money you’ll make while you sleep).
Make content, get sponsors. YouTube takes 45% of all the Adsense money you make, people aren’t happy about it. You can and should start making money through sponsorships to make up for shortcomings.
How do you get sponsorships?
- You can go wild like me and start stalking people on LinkedIn seeing if they have a budget for influencer marketing, or you can sign up for an influencer market place. Tons of companies are seeing the value in micro influencers, so don’t worry about having a massive following. In fact, it’s probably better if you don’t.
- Here are some marketplaces to check out.

Teach English online:
- If you speak English, odds are, you can teach English as a second language. This company, VIPKid, is a platform that connects online teachers to children in China for the ultimate nomadic teaching job with a cultural twist. They pay the equivalent of $15 to $22 per hour (which you set based on your availability). As long as you have high-speed WiFi you’re good to teach: hello tropical island workplace.
- Eligibility to become a teacher on VIPKID platform:
- Teacher applicant must hold a bachelor’s degree
- Have at least two years’ experience with children
- Eligibility to work in the United States or Canada
- Sign up to be a teacher here.

Make your own website:
- You can easily start a website and post articles, drive traffic to your site, and connect your ads to it by applying for an Adsense account. This model is similar to YouTube, more views, more ad dollars. You can also pitch sponsorships as your traffic grows. Additionally, there are affiliate platforms like CJ.com, Amazon Affiliates, and more where you can sign up and generate affiliate links. More clicks, more conversions, more money.

Freelance
- If you have any skills, you can list yourself as a freelancer on Fiverr or Upwork. Whenever I need any sort of freelance work done, I usually go here. You can even look up how to be a virtual assistant and data entry if you’re not a master at Photoshop.
- It’s a review system too so it’s pretty legit and you can browse around and see how much other freelancers are charging to get an idea of what your fees should be.

Freelance write:
- Shelby Church just made a really dope video about how she made $6000 from freelance writing on Medium.
- Medium makes money through memberships at a tag of $5/month. When members read a story and clap for it, a portion of their membership dollars goes to the writer of the story. This ratio of claps to dollars is unknown; the algorithm is kept secret by Medium, so that nobody can “game the system.” – The Write Life.
Or you can become a copywriter:
- A copywriter gets paid to write the meat that becomes the perfect base for an advertising sandwich. In simple terms, you write “copy,” and it can range from newsletters to social media copy. The options are endless.
- I found this site to become a copywriter, but I’d recommend Googling additional sites to compare income potential!

Sell your old clothes:
- If you’re more of a hands-on person, you can easily sell things on eBay, Postmark, or Thredup. The customers usually pay for the shipping, so all you have to do is print the label, pack it up, and ship it! Money in your pocket.
Sell your old electronics:
- This site promises to pay you cash money for those old phones you forgot you had in the back of your drawer.

The point is there are so many ways to make money even in a recession. Hopefully this article and video have taught you how to fish for THAT COIN. Leave a comment below with other ways you know of to make money online! Let’s be the generation that bridges the massive payment inequality gap.

Additional Sources:

Financial Spring Cleaning

Start investing your $ in stocks with Acorns: the Frappuccino of investing. Here’s $5 to get started.

https://thewritelife.com/how-to-make-money-on-medium/

https://peertopeermarketing.co/influencer-marketplaces/

Unemployment rose higher in three months of COVID-19 than it did in two years of the Great Recession

Don’t forget to subscribe to the channel and follow me on Instagram, Twitter, and Tiktok for daily learnings ?.

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Financial Spring Cleaning 2020

Jo — Thu, 09 Apr 2020 21:30:10 +0000

*advertising disclosure*

If you watched my last YouTube video, then you know this isn’t just a quick fix. Finance is just like fitness, you need to work on it every single day, and let’s be honest, some days you want to hide out under a blanket with a chocolate bar and avoid that ish all together. But the most important thing to keep in mind is that if you know what you’re up against, you can make a better plan to tackle the problem. If I paid off $70,000 of debt within five years of graduating from college, from a job I created traveling the world, anything is possible.

Where do you begin?

GET YOUR CREDIT REPORT: You should always start your financial clean-up by getting a copy of your credit report. You’re entitled to one every year, and check to see if you still have that Victoria’s Secret credit card you opened when you were 18. PS: Worst cards to get. Go to www.annualcreditreport.com to get your deets.

GET YOUR CREDIT SCORE: This shouldn’t be confused with your credit report – your credit score is a number that reflects your total credit health ranging from 300 to 900. You want to aim for the high 700’s, because when it’s time to do any kind of serious adulting, buy a car, a house, get a loan, or open a credit card, you’ll need to show lenders you’re good for your money. You can find your magic number by going through Equifax (one of the three major credit bureaus) or by signing up for something like Credit Karma (it’s user friendly and gives you alerts that makes you feel good for paying your bills on time). Your credit score changes anytime you apply for more credit, forget to pay your bills, or max out cards. Don’t stress, you can always revive it over time.

MAKE A LIST OF EVERYTHING YOU OWE: This is something I’ve done since I started owing money. It’s important to confront your own truth, running away from it will only make it worse. So grab a beverage of your choice, put on some Lo-Fi hip hop, and look at your credit report to see everything you have in your name. Make sure you put the dollar amounts next to each account, and the APR (annual percentage rate), so you can weigh which debt is costing you the most. Here’s something to keep in mind: high APR is not good news.

YOU SHOULD START BUILDING CREDIT THOUGH: The system isn’t designed for the average Jo(e) to win. That’s why you’re on this site educating yourself. Here’s what you need to know about credit: you can only have good credit if you pay your bills on time and if you have credit history. In other words, you need to master the art of only borrowing money that you owe. If you’re new to credit, check this out.

PUT EVERYTHING ON AUTOPAY: Let’s be real, there’s no way we’re capable of remembering to pay every single bill we have manually. You want to avoid those sneaky little late fees by putting all of your payments on autopay. You can always adjust payments if you’re unable to pay that month, but committing to consistently paying your bills will reward you. The highest impacting factor in your credit score is payment history at 35%. And bad credit ain’t cute boo boo.

ALWAYS PAY MORE THAN THE MINIMUM: Ideally, you want to pay all of your bills in full. What that means is that you’ll rarely ever borrow more money than what you have in your bank account. The only exceptions should be for huge, life-changing purchases like a car, college (questionable), and a house. But you should not open up a new credit card to buy a lip kit you can’t afford. It’ll bite you in the booty when you end up paying more than it’s worth because of high APR fees (AKA interest rate you’ll be cursing out). Get this: average APR rates in the USA are around 16%. That means you’re paying almost 20% more for whatever you don’t pay in full. Bish. No. If you can’t pay in full, always pay more than the minimum.

GO PAPERLESS: Save the planet, click “go paperless” in the back-end of all your accounts.

STOP UNNECESSARY RECURRING PAYMENTS: Since I was a kid, I realized that it took pennies to become a millionaire. Maybe because all I could get a hold of were pennies in couch cushions while cleaning homes. Been financially savvy from the start. The concept of small amounts of money adding up has always been real to me. As we’re approaching these economically uncertain times, it’s important to check in with any recurring payments that might not be adding much value to your life. And yes, you can go without your 10 streaming subscriptions.

Gotta act broke to stay rich.

DON’T FORGET YOUR USERNAMES AND PASSWORDS: Nothing makes me want to pull out my hair more than trying to remember my 7000 usernames and passwords. Use a secure password manager like 1Password, RoboForm, or NordPass.

FIGURE OUT YOUR MONTHLY SURVIVAL NUMBER: I’ve been doing this ever since I started making money. Do the math on how much money you need each month to survive. Put all of your bills, rent, credit card payments, loan payments, etc. in one column. On the next column, do the math to see how much money you make a month. You’ll be able to see how much money you have leftover to save. And if you don’t have any money left over, it’s time to find a remote job boo boo.

OPEN A HIGH YIELD SAVINGS ACCOUNT: Even with the fed cutting interest rates, it’s still a good idea to look into opening a high yield savings account with an online bank. Big banks give us pathetic APY rates (annual percentage yield, AKA how much money you make by leaving your money in their savings accounts). I checked my APY from my old savings account, and I was receiving .01% on all the money sitting in my account for years. PATHETIC. High yield savings accounts are safe and conveniently online. If you need to physically deposit checks, this isn’t for you. But if you’re living in modern times, put your money in a modern bank account. Here’s a HYSA to consider with 1.55% APY *compared to the average .09% from standard banks).

OPEN A CD IF YOU WANT TO GET AN A+: I’ve always heard of a CD and thought they were just as out of style as an actual CD – dad joke. Turns out, they’re still poppin’ and they’ve become less limiting. Here’s what you need to know: banks will incentivize you for committing your money in an “off limit” bank account. The longer you lock up your money, the better your APY will be and the interest is compounded daily. But since uncertain times means we can’t be putting money away without being able to access it, there are now no penalty CDs that give you the best of both worlds. Keep in mind that CDs often require a minimum deposit – the more money you put in, the more that APY will work in your favor.

AUTOMIZE YOUR SAVINGS: The same way your bills should be paid with autopay, so should your savings. Set up a recurring transfer from your checking account to your high yield savings account so you’re saving money without even noticing it.

CONSOLIDATE YOUR CREDIT CARDS: Having too many credit cards is a recipe for disaster. Your best strategy is to either get a balance transfer credit card or apply for a 0% APR card that will give you peace of mind when paying off your debt. Read the fine print to see how long you get that 0% APR – it won’t last forever. Here’s something else to know: credit cards offer a lot of rewards, but some come with a high annual fee. Here are some cards with no annual fees.

GET CASHBACK REWARDS: We’re in the middle of a pandemic, and spending is happening for essential things like groceries, booze, and exercise bands on Amazon. So while normally, I’d recommend a travel credit card, right now, it’s all about cashback credit cards that will give you cash back for every purchase you make. Here are some cashback cards to consider.

IF YOU DON’T KNOW WHAT CREDIT CARD TO GET: You might be in the market for a new credit card, and with so many options and spammy snailmail coming to your mailbox, here’s a tool that can help:

CONSIDER STARTING INVESTING: If you really want to get an A++ on your financial spring cleaning, start dabbling in investing. I’ve read dozens of finance books and they all say the same thing:

The earlier you invest, the better

That’s because of compounded interest, time grows your money while you sleep. If you don’t know where to get started, I recommend signing up for Acorns. It’s an app that rounds up all of your purchases to the nearest dollar amount and automatically invests it for you in a risk portfolio of your choosing. This is the gateway drug to investing, like a that milky drink you thought was coffee that got you to drinking a nitro brew with a splash of oat milk. (And unfortunately only available in the USA, but google “Robo Investing” in your country). Here’s my referral code to give you $5 to get started.

Investing is like a dance, you have to see how your money moves. Once you notice trends, you’ll be ready to go the more manual route and pick your own stocks. Robinhood is my favorite robo investment app right now. It’s sleek, has news, and you can buy cryptocurrency as well as traditional stocks and ETFs (index funds – more on that soon). Here’s a free stock to get you started. They also have an amazing podcast and newsletter that I fangirl over called Snacks Daily.

Editorial Disclosure: opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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5 Ways to Calm Down Right Now

Jo — Thu, 09 Apr 2020 17:30:09 +0000

Different times call for different measures.

If you’re like me, you’re staying awake until 4 am watching trash television that isn’t worth losing your precious sleep over. You wake up feeling as crusty as your eyes, and your motivation is at negative 100. You’re not alone. We’re all feeling this uncertainty and it’s eating away at our motivation.

How to stop the vicious cycle:

Make yourself a wake up playlist: if you’re having a hard time getting up, do as the champions do and create your own hype playlist that will have you rolling out of bed and dancing into productivity. Here’s my “Enjoy your life” playlist that gets me up. You’re welcome.
Make your to-do list the night before: If all of your tasks are buzzing in your mind keeping you awake for way too damn long, lay them to rest in a to-do list before bed. That way, your brain can rest knowing that your tasks are safe and sound in a piece of paper that won’t go anywhere come morning. Plus, this is a habit of some of the most successful people in the world.
Journal your way to sleep: If you follow me on Instagram, you might have seen my 30-day journal challenge. It’s my way of bringing the world into a habit that I’ve done for over 15 years. If you’re stressed out and unable to get all the thoughts out of your head, write them down. If you’re looking for extra inspiration, go check out my highlights for daily prompts.
Download a meditation app: Maybe you just need to relax and breathe your way into unconsciousness. Download a meditation app like Headspace, Insight Timer, or Simple Habit.
Make sure you’re getting exercise: Being stuck in the house means our bodies are getting WAY less movement than it normally would if we could…. well, leave our damn houses. Make sure you’re doing a workout or going for a walk (if you’re allowed outside). Your mind might be restless because your body is actually restless.

Want to hear from me more often? I’ll go straight to your inbox! No spam, promise.

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