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Who wouldn’t love some extra pocket money? Here are six ideas for easy side hustles. Maybe one or more of them is right for you.  
article preview image Six Side Hustles Anyone Can Do

Who wouldn’t love some extra pocket money? Here are six ideas for easy side hustles. Maybe one or more of them is right for you.  

1.) Play with dogs

When you offer your services as a dog-walker or pet-sitter you can charge as much as $25 an hour, depending on the going rate in your area. Hang flyers to advertise your services, post on the Nextdoor app or sign up with a dog-walking app like Rover or Wag. These Uber-like services match pet owners with sitters or walkers for a small fee.

2.) Social media guru

Offer your services to local and remote businesses as their social media brander. Depending on your skill set, you can write the company blog posts, manage their social media presence or focus on graphic design. 

3.) Yard work

Do you enjoy landscaping or gardening? Are you an expert lawn mower? Get paid for tending to people’s yards. You can charge by the hour or per job. Check out some other local yard workers to get an idea of fair asking prices.

4.) Take online surveys for pay

Make the time you spend online count by taking surveys on sites like Survey Junkie and Swagbucks. Most of these sites will pay you as soon as you complete a survey. It’s an easy way to pad your wallet with extra cash.

5.) Work for a rideshare service

These services allow you to set your own schedule and decide how many hours you want to devote to driving passengers. If you don’t like the idea of strangers riding in your car, consider a similar service but for food ordering and delivery. With this side hustle, you get paid to pick up fast-food meals and deliver them to customers, with the same flexible terms.  

6.)  Tutor

Are you a geometry whiz or a science buff? Offer your services as an individual tutor for school-aged children and you’ll have a meaningful way of earning some extra money.

Use this list to find the side hustle that works for you and start boosting your income!

 

article preview image Advancial mourns the loss of longtime volunteer
Advancial is saddened by the loss of Carl Young, longtime credit union advocate and Advancial’s Chairman of the Board, who passed away on July 24, 2019.
 
Carl joined Advancial in 1963 when he was a young executive at Atlantic Richfield. He began his service to the credit union more than 40 years ago when he was asked to serve on the Supervisory Committee in 1977. A few years later, he transitioned to the Board of Directors and rose to Chairman where he has served ever since.
 
Carl’s dedication and commitment to Advancial and our members has been a vital part of our growth and success. His wisdom and long-term perspective helped guide and shape Advancial through many transitional moments in our history. We have been privileged to have his service for more than four decades and he will be forever remembered as a great leader, colleague and friend.
 
Advancial extends its deepest sympathies to Margaret, his beloved wife of nearly 62 years, and the entire Young family.  Thank you for being part of the Advancial family and for sharing Carl with us all this time. We are honored to have known him.
 
Steep cab fees and car rentals are some of the best ways to kill a vacation budget. Read on for five ways to get around for less while on your dream vacation. 
article preview image 5 Ways to Save on Vacation Transportation Costs
Steep cab fees and car rentals are some of the best ways to kill a vacation budget. Read on for five ways to get around for less while on your dream vacation. 
 
1.) Share a ride 
Ridesharing companies, like Uber and Lyft, are changing the way people get from point A to point B all around the world. If you haven’t already done so, download each service’s app and input your information so you can order and pay for a ride in just seconds while on vacation. To compare prices from both services at a glance, check out apps like RideGuru and RideshareApps. 
 
2.) Hop on a bus or board a train 
Buses and trains can be an affordable, convenient and enjoyable way to get around in many countries. Western Europe, in particular, is famous for its super-efficient public transportation system. 
Do your research before using public transportation. It may be worth your while to purchase a daily or weekly pass for unlimited rides on the city’s bus or train system. If you’ll be visiting several different countries in Europe, consider purchasing a Eurail pass to help you get from country to country in an easy, inexpensive way. 
 
3.) Rent or borrow a bike 
Pedaling your way through town is becoming increasingly popular in major cities throughout the world. For a nominal fee, you can explore the city up close, help keep the air clean and get a wonderful workout at the same time. 
 
4.) Take a walk 
Instead of calling a cab or Uber, consider walking. In many crowded cities with an impossible traffic problem and expensive parking fees, this can actually be a faster way to get around. 
 
5.) Rent a car 
Sometimes, the best way to get around when on vacation is by rental car. This is especially true if you’re traveling to a city that is not known for its efficient public transportation system and/or if you’ll be staying in your vacation spot for a while. 
 
Before you sign up for a rental, keep these tips in mind: 
 
  • Book early. For the best deals, keep a watch on car rentals in the area you’ll be visiting in the weeks (or even months) leading up to your vacation. Car rentals sometimes offer random deals on their rentals, but only for tourists who book during a specific window.
  • Don’t rent a car at the airport. On-the-spot car rentals at the airport tend to inflate their prices according to demand.
  • Go small. A compact car will be cheaper, easier to maneuver through narrow roads and simpler to park in crowded spaces.
     
Happy travels! 
 
SOURCES:
https://travelmamas.com/tips-saving-money-vacation-transportation/
https://ordinarytraveler.com/save-money-travel-transportation
https://www.mintnotion.com/travel/10-travel-expenses-youre-forgetting-vacation-budget/
 
 
In honor of National Love a Tree Day we are sharing our Lafayette live oak survivor story.
article preview image The Advancial Lafayette Oak is “Live” and Well
In honor of National Love a Tree Day we are sharing our Lafayette live oak survivor story.

Advancial served members in the Lafayette area for a number of years, but finally took formal roots with our first branch in 1985. We relocated to 306 E. Kaliste Saloom Road in 2006 and, after much success, a second location opened in South Lafayette in 2012. Acadiana is the foundation of Advancial’s business in Louisiana and we’ve made a name for ourselves in the community, being voted Best Bank in the Times of Acadiana Best of 2018 and being nominated in 2019.

When Advancial began strengthening our roots in Lafayette in 2005 and started the process of building our new branch, part of the lot we chose was already occupied by a large live oak tree estimated to be 288 years old. An arborist was called out to examine the condition of the tree and reported that the tree was sick and would be dead in a couple of years if left alone. Despite the tree’s grim prognosis, cutting it down didn’t sit well with the local Advancial team. With commitment to community and business strategy in mind, Advancial saw no reason to cut the tree down immediately.  

Fast forward to 2019 and not only is the oak still standing, but it is alive and well! It provides a fitting metaphor because much like Lafayette, this beautiful tree carries its long and rich history into the future, thriving and growing stronger every year.
 
If you’re hiring a contractor to make improvements on your home, be alert! Home improvement scams are more common than you may think, and they can cost you a lot. 
a man feet dangling through the ceiling after falling through Eight Ways to Spot a Home Improvement Scam
If you’re hiring a contractor to make improvements on your home, be alert! Home improvement scams are more common than you may think, and they can cost you a lot. 
 
Read on for eight ways to spot a home improvement scam:
 
1. The contractor insists on being paid up front
Be wary of any contractor demanding that you pay most of the fee up front. This is likely a scammer who is trying to cover their bases in case of shoddy work or even a no-show. 
 
2. The contractor refuses to supply references
Never hire a contractor without speaking to someone who’s used their services. If a contractor is in middle of another job, ask if you can check out their work yourself. If a contractor refuses to furnish names and contact information of previous clients, move on to other options. 
 
3. There’s negative information about them on the Better Business Bureau (BBB) site
Before hiring any business you’ve never used before, check them out on the BBB website. You’ll be able to read reviews and ratings and see if complaints have been filed against the company. 
 
4. The contractor demands payment in cash
Cash leaves no trail and makes it easy for scammers to walk away without doing much–or any–work. 
 
5. The contractor will work for an insanely low price
If you’re offered a bid that is a lot lower than the going price, ask questions. There’s a good chance you’re dealing with someone who will cut all corners. If you only get evasive answers, look elsewhere. 
 
6. They show up at your door … uninvited
Don’t fall for every contractor knocking on your door and claiming to have done recent work in your neighborhood. If the contractor does seem legit, look them up on the BBB site and ask for references. 
 
7. The contractor refuses to put anything in writing
Never hire anyone to do work on your home without a written contract. Include as many details as possible in the contract, like payment terms, a definitive date for the work’s start and completion, warranty information and a clear description of the job. 
 
8. They try to avoid permits
A contractor who tries to convince you there’s no need to pull permits is one who wants to avoid the authorities. You’re likely dealing with an unlicensed worker or one who will cut corners. 
 
 
SOURCES:
https://www.aarp.org/money/scams-fraud/info-2019/home-improvement.html
https://www.experian.com/blogs/ask-experian/the-ultimate-list-of-the-years-worst-scams/
https://www.thespruce.com/common-home-improvement-scams-4163354
 
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Make a Plan to Reach Your Financial Goals
Think about your financial goals for a moment. Do you picture yourself buying a home or taking a much-needed vacation? Are you focused on building a financial safety net or saving for retirement? Although challenges and setbacks may throw yo…
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More Than Your Average Checking Account

The average adult has used the same checking account for over 14 years. That’s good news if people are happy with their accounts. But the fact is that many people are losing money thanks to fees and other charges. In fact, the average checking account holder pays $7.69 in fees per month.1 If you’re also paying fees on your checking account, know that there are other options out there, including at Advancial.

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Shop safe, save and reap the rewards

This year, skip the malls and enjoy the benefits of holiday shopping from home. Shopping online for holiday gifts can save you time and money – and help you earn rewards. Here are some tips to shopping safely, saving money and getting rewarded for your efforts.

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Your Guide to Auto Refinancing

Love your car, but not your loan? Many Americans are paying way too much on their auto loan each month, averaging about $550 per month on new car payments.* If your loan payments are too high for your budget or you’re overpaying on interest, then refinancing might be right for you.

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