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What is a Side Hustle? (And Why Everybody Needs One)

Have you ever looked at your paycheck and been frustrated with how much of it is taken out for taxes?

Have you ever thought what you could do with all of that extra money if you could actually keep more of what you are earning?

Have you ever wondered why you still have to pay more taxes in April, or why you’re not getting nearly enough money back on your tax returns?

You should get a side hustle.

A side hustle is any work you do “on the side.” Some examples are: cutting hair, mowing lawns, tutoring, or selling products. Side hustles are done on your own time for extra money.

You may already be involved in a side hustle and not even realize it.

But there’s more benefit to a side hustle than just earning a little extra cash.

Money you spend to fund your side hustle is tax deductible–AND some of your current expenses could also be tax deductible!

Did you know that you can also deduct expenses that you may not have thought of?

Some examples:

  • A portion of your rent or mortgage if you do any business or preparation for business at home
  • Mileage on your car if you ever use it to drive to and from places you do business or try to get new customers
  • Utilities
  • Internet bill
  • Cell phone bill

These kinds of expenses really add up. If you are paying these expenses anyway, and you can use a portion of them to deduct money from your taxable income, your tax bill not only shrinks, but you may bump yourself into a lower tax bracket.

We’re talking potentially thousands of dollars in tax refund money.

You might say:

“I don’t have time to do anything else.”

When you think about the tax savings, you can really see the potential: what if you were doing something that only took a few hours a week but saved you thousands of dollars on your taxes, PLUS the money you make doing what you’re doing?

Do you have time NOT to get a side hustle?

You might say:

“I don’t have money to invest in a new business.”

What if you could invest a couple hundred dollars and save a few thousand dollars on taxes, and make money on top of that? Do you have the money NOT to invest in that kind of side hustle? That’s a pretty great guaranteed return, no matter what business you are in.

Got Questions? Text “side hustle” to ‪(802) 227-7051‬

Here is a simplified example of the kind of tax savings possible with a side hustle:

Say you make $65,000 per year. According to your tax bracket, you’d pay 25%, or $16,250 in taxes over the course of one year.

If you had a side hustle, let’s say you could write off $15,000 in expenses per year (car mileage, part of your rent or mortgage, a portion of your cell phone bill, purchases and supplies for your business, start-up costs. If you take a trip for your business, the tax-write off numbers could easily be higher).

It is acceptable to take a “loss” in a new business for up to the first 3 years of the business. If you don’t make any money on your business the first year, here is your new taxable income:

$65,000 – 15,000 =  $50,000 taxable income. 

Now you’ve bumped yourself into a lower tax bracket, which only taxes 12% of your income. Now you’re paying only 12% taxes on a total income of $50,000

$50,000 x 0.12 = $6000 taxes.

Originally you would have paid $16,250 and now you’re paying $6000. 

You just made $10,250!

And that’s without doing anything other than starting the business– and not including any money you make for your business.

These are all estimates and would vary based on your specific circumstances, but you can see how this works. 

How would an extra $10,250 per year change your life? 

Maybe you could pay off that credit card bill. 

Make several mortgage payments. 

Take a family vacation… or four. 

Get your Side Hustle On!

 If you don’t already have a side hustle, you should definitely get one. But what kind?

There are lots of things you can do, from tutoring to babysitting to mystery shopping. The way to really make money, however, is to sell things. And you need to find something to sell that people really want. If you sell something you love, you can even deduct some of the products you use on your taxes as well! After all, if you are selling something to people, you need to try it out so you can tell them how great it is!

The great thing about a side hustle is that it’s flexible, and it’s based on effort (not hours).

Got Questions? Text “side hustle” to ‪(802) 227-7051‬

If you don’t have a lot of time and you don’t need to make a lot of money: perfect! Do a little here or there and make some extra cash while saving tons of money on your taxes.

If you dream of quitting your job and finally being financially free: PERFECT. You can totally do that.

A Slave to the J.O.B.

I love to talk about ways to save money, and even make a little money or bonuses doing things you already do–like shopping online.

Today I want to talk about something more powerful, though: residual income.

You know how….

…you go to work and you get paid for the time you spend doing things they tell you to do?

 …you can have a great job with lots of money and amazing benefits, but if you don’t show up to work, you don’t get paid (or lose your job)?

 …your boss (or your company) can make you do things you don’t want to do because they have the power to take away your livelihood?

 …rumors in the company about layoffs keep you up at night, worried what you would do if you lost your job?

The big corporations we work for have us at the end of a rope, and there isn’t much we can do about it. We need the money they are paying so we will do whatever it takes to earn it.

  • Hour-long commute in rush hour traffic.
  • Long days in a boring office sitting at a computer.
  • Eye, back, neck strain from sitting at a desk all day.
  • Doing the same thing every day.
  • Longing for that next vacation.

What choice do we have? We have to earn a living. We have bills to pay, kids to feed, Christmas presents to buy!

Where does all the money go?

Enter: Side Hustle

What if you could reduce your tax burden while increasing your income?

Most of us have jobs. A side hustle is an income “on the side.” Working for yourself! There are so many advantages to working for yourself: flexible schedule, tax deductions and extra income!

You can make your own hours–you can work as much as you want to, and you don’t have to quit your current job (unless you want to…).

There are so many benefits to getting a side hustle, you may be wondering why you don’t have one yet.

Here are a few questions to ask yourself when deciding on a side hustle:

  • If you could do something you love and get paid for it, what would that be?
  • How much money would you want to make to reach your goals?
  • What is your biggest motivation for finding a side hustle?
  • How could your family’s life change if you made an extra $1000 a month? An extra $5,000? $10,000?
  • What personal goals could be pursued or attained if you had financial freedom?

 The answers to these questions may bring you closer to the side hustle that’s perfect for you.

Of course, I have a couple of favorites, for very good reasons. I’d love to discuss with you why I chose them and why they are working for me!

Learn a little bit more about the ones I’m involved with here:

How Gut Health is Connected to Mental Health: the Mental Wellness Revolution

The Next Big Business Boom: The Microbiome

Salon-Quality, Anti-Aging (hair growing) “Magic” Shampoo! 

BUT WAIT, THERE’S MORE! 

 What do you think? What kind of side hustle would suit you best?

Questions? Text “side hustle” to ‪(802) 227-7051‬

Text “side hustle” to ‪(802) 227-7051‬ to learn more about the side hustles I’m involved in and the side hustle that is perfect for you.

New to Freedom & Coffee? Start here.

 

Disclosures:

Many of the product links in this post are affiliate links, which means I will receive a small commission from any purchase. I only recommend products that I love and this is at no extra cost to you. Thank you for supporting our mission with your clicks!

I am not an accountant, so please talk with your accountant or tax preparer for more details on the tax deductions for which you qualify. 

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To Drink or Not to Drink: A Coffee (Mate) Story

For a beverage, coffee is very controversial in the health community.

A few years ago as we were carpooling to a retreat, a friend of mine said, “Guess what?! I quit coffee!”

Knowing that I am in the field of natural health, she thought this would impress me.

She explained that she’d been getting terrible, migraine-level headaches and she quit coffee to see if that could be the culprit. The headaches stopped, and she was proud of herself for finding the answer.

I dug a bit further.

What kind of coffee do you drink? Do you make it at home? What do you put in it?

She told me she makes it at home and uses regular coffee from the store. She loves to put a flavored non-dairy creamer in it every day, because it “tastes so good!”

Ah ha! Yes, there it is.

I told her I thought it was great that she’d cured her headaches, but from my research coffee isn’t a terrible thing: there have even been studies that show protective benefits against cancer and other diseases.

The problem is probably the coffee creamer–look at those ingredients! No milk whatsoever: a laundry list of unpronounceable additives, colors, thickeners and flavors. I’d be willing to bet that’s your issue right there.

Try drinking coffee with just milk or cream and see if you still get a headache.

My friend has happily been enjoying coffee ever since, headache-free.

So, is Coffee Bad or What?

Coffee: people either love it or hate it. Most of my friends who don’t drink coffee are rather proud of themselves that they don’t need “that crutch” every morning. The Weston A. Price Foundation, who I respect for nutritional information, doesn’t recommend coffee at all (don’t even try to talk about coffee on one of their many forums: you’ll get a stern talking-to).

Some people do have an issue with the caffeine. My cousin loves coffee, but always drinks decaf because she can’t handle the caffeine. Personally, I have always loved the taste of coffee but didn’t drink it regularly until after my son was born. After that I began to crave the taste of it.

Some nights I want to go to sleep early so I can wake up and drink coffee. I just love it: the taste, the warmth, the feeling.

Like other foods that people have been enjoying for thousands of years, coffee is a traditional food. As such, I have no problem with it. In recent years headlines have gone to both extremes:

coffee is an addictive toxin–stay away! 
Coffee may prevent colon cancer!
 Coffee will kill us all–it’s a drug!

It’s fun to watch the media go back and forth on these issues, but I prefer to do my own research and see how a food affects me personally before I make a decision to give up something I really enjoy.

About a year ago I started to get anxious for no reason. My chest felt tight and I just felt stressed out, even though nothing was really going on. My neck was starting to hurt and my heart would sometimes beat irregularly.

I thought it was the coffee. I’d have to give it up.

So I stopped drinking it for awhile, and I felt better. But what do I drink in the morning? I’d sometimes drink a matcha latte or a cup of broth, but it just wasn’t the same. So I went to decaf, finding an organic water-processed one that I liked.

Did you know coffee is decaffeinated using a chemical cocktail that leaves a residue on the coffee beans? That’s why I always look for water-processed when I buy decaf.

In the end, I found a chiropractor that took some X-rays and showed me that I could benefit from spinal adjustment, and those symptoms of anxiety, tightness and irregular heartbeats have subsided, even while drinking my regular coffee.

Yay! Coffee wins again!

Now I am free to enjoy my morning cup without fear or guilt.

And if you like coffee and don’t suffer any ill effects, I think you should, too.

There are a some things to keep in mind with coffee, however. Here are a few:

Conventional coffee is loaded with pesticides.

Buy organic so you don’t get a nice swig of toxins with your morning Joe. There are so many options these days–you can find organic coffee in virtually every coffee option there is: ground or whole bean, dark or light roast, flavored or unflavored, caf or decaf.

 

For decaf: get water-processed.

The de-caffeination process typically involves harsh chemicals and solvents. If you want to avoid those chemicals, look for “water-processed” decaf–many of the organic versions are already water processed.

It’s also best to get single-origin coffee

Because coffee is such big business, most coffee is sold in “blends” and the coffee beans may have come from all over the world. So if any one of those batches of coffee was contaminated with a mold or other coffee crop blight, your whole coffee blend is affected. Getting single-origin coffee reduces the risk of that happening.

Buy whole beans and a grinder.

Freshly ground beans taste so much fresher than pre-ground; I can really taste the difference! Try it and I think you’ll agree it’s worth the extra few seconds to grind your beans every morning.

Grinders are inexpensive and easy to use. Lately I’ve been having fun grinding my own beans in this manual burr grinder.

Use real ingredients.

I love to add a lot of healthy things to my coffee: like whole raw milk, gelatin powder, coconut oil, butter, Ceylon cinnamon and Real Salt. Sometimes I even add a pastured raw egg. It’s a regular real-food smoothie by the time I’m finished–so much better than any coffee shop!

Get an immersion blender

Especially if you’re adding a bunch of ingredients to nutrition-out your coffee like I do–you’ll be so glad you have this super handy tool. It’s also great for mixing up soups, pancake mix, and other recipes–and very easy to clean.

 

Don’t drink it black or on an empty stomach.

The absorption of caffeine in coffee can be slowed by eating something and by adding some fat to your coffee, in the form of milk, cream, coconut oil, butter, gelatin, etc. So mix it up!

Here’s how I make my bullet-proof(ish) coffee every morning:

Tell me:

How do you like your coffee?

Or what do you drink instead?

 

New to Freedom & Coffee? Start here.

Disclosure: many of the product links in this post are affiliate links, which means I will receive a small commission from any purchase. I only recommend products that I love and this is at no extra cost to you. Thank you for supporting our mission with your clicks!

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No More B.O.! Going Natural With Your Deodorant (Recipe!)

Growing up, if anyone said to my dad, “I’m gonna go take a shower,” He’d say: “That smells like a good idea.”

Ahhh. Dad jokes for days.

 

Nobody wants to smell, and deodorant is big business. With breast cancer an ominous threat to women (and even men!) in the world today however, the chemicals in commercial deodorant and antiperspirant are getting more attention.

Is it a coincidence that the vast majority of breast cancer tumors are found in the upper-outer quadrant, closest to the armpit?

Armpits sweat a lot, and this makes them a toxin eliminator in the body. When we prevent our armpits from sweating we are preventing that toxin outflow as well. Those toxins get trapped, building up in that area. Since toxins are easily stored in fat, the fatty tissue around the breasts is the perfect breeding ground for mutated cells that can develop into cancerous tumors.

What we don’t want to do is add more toxins to the mix, by applying chemical-laden products on our skin. Did you know that the skin absorbs about 70% of what is put on it?

 I focus on what I can do to eliminate toxins in my own life, and this has included eliminating antiperspirant and switching to natural deodorants.

 

I decided to nix antiperspirant completely, because I don’t want to prevent the sweat from flowing–it’s getting rid of toxins, so why would I want to stop that?

Let that sweat flow!

My sister wears antiperspirant to work because she worries that she’ll have sweat rings on her shirts all the time. This may happen at first, as your body adjusts to the absence of the antiperspirant, but after a week or two your body will adjust and for most people this will not be an issue unless you are doing strenuous activity.

When I was in college I was alerted to the toxic ingredients in commercial deodorants, and I switched to a deodorant salt crystal, like this one:

I loved it. It was cheap, easy to use and travel with, and worked like a charm. Just wet it and wipe on your armpits. Plus it lasts forever. I probably still have the first one I started using in college; you literally might only ever have to buy one.

I’ve talked to people who say that the salt crystals don’t work for them, though.

Luckily, there are other options that work great as well.

I actually have been making my own for the past few years, because I like having a pasty texture (similar to conventional deodorant) and I can add whatever scents I like with essential oils.

Here’s my basic recipe:

Ingredients for Safe, Cheap, Effective Homemade Deodorant

Directions to make your Safe, Cheap, Effective Homemade Deodorant

  1. Add all of the ingredients into the jar and stir
  2. Allow to cool to room temperature, and use by applying with your finger
  3. That’s it! How easy can it be?

*The magnesium oil, jojoba oil and essential oils are not completely necessary: the essential oils are for scent, and the jojoba/Vitamin E are soothing. I like to add the magnesium oil because it’s a great way to absorb more magnesium and it gives the deodorant a fluffier texture that I really like.

 The active ingredient here is the baking soda: that’s what really neutralizes the odors. Some people are sensitive to baking soda. If that’s you, try using a lower quantity of baking soda relative to the other ingredients. Some people have recipes for “sensitive” deodorants that eliminate it, but for me those don’t work.

Even though it’s easy, inexpensive and totally customizable, I have friends who don’t want to make it. If that’s you, there are lots of natural options that use similarly safe ingredients, like these:

 

 

 Some people also recommend an armpit detox, like the one mentioned here. 

The main reason to do something like this might be to make the transition between commercial and natural deodorants easier, and possibly pulling toxins to the surface to be eliminated. If you want to do an armpit detox, it’s easy enough to do in 10-20 minutes after taking a shower, and there’s no harm in it.

I have taken a regular clay mask that I have for my face and spread it on my armpits, waited for it to dry, and rinsed it off. Another great way to detox your whole body, including your armpits, is to take an Epsom salt bath  a couple times per week.

Since you are already detoxing every time you sweat, I don’t think an armpit detox mask is super necessary. As long as you stop using the harmful, chemical-laden stuff and switch to something more natural, and allow yourself to sweat, you’ll be on the right track.

 

Resources:

What Is Armpit Detox? (And Why You May Need It)

https://www.cancer.gov/about-cancer/causes-prevention/risk/myths/antiperspirants-fact-sheet

New to Freedom & Coffee? Start here.

Disclosure: many of the product links in this post are affiliate links, which means I will receive a small commission from any purchase. I only recommend products that I love and this is at no extra cost to you. Thank you for supporting our mission with your clicks!

 

 

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Who I am

When I was 32 years old

I lost a baby. I remember laying on the stretcher on December 22, getting wheeled to the ambulance in the freezing cold at 3:00 am thinking, “Happy Birthday and Merry Christmas.”

Losing that baby at 23 weeks gestation was the most devastating thing that has ever happened to me.

 After that happened, though, I finally felt like a “real” adult for the first time in my life. As traumatic as it was, I rose out of that experience finally feeling like I had grown up. I was an adult. I was no longer afraid. I wasn’t intimidated by other people, no matter how “powerful” they are. It gave me a perspective on life that I value. It was a leveling field.

Every person has value,

and not only that: every person has the same value. Every person is strong, and every person is weak. Every person has influence, and every person uses it for good and uses it for bad. This maturing process happens at different times in life for everyone, and for some it never comes, but when it does, I suppose it is usually called wisdom.

Fear used to strangle me.

I was afraid of everything: afraid of risk, afraid of danger, afraid of other people. Fear ran my life. Since that pivotal moment in my life, fear no longer controls me. I’ve learned that fear is nothing: it’s just a perception, and it is all in my mind. It’s not real.

If I can go through the death of my child and come out strong, I can do anything. There is no longer anything in this world to fear. Even the most powerful person is just another person. What can they do to me?

”Don‘t be afraid of those who want to kill your body; they cannot touch your soul.”

In America we’re all about freedom.

So why do we feel stuck in our lives, unable to change anything? Maybe you feel stuck in your job, your income level, your lifestyle. Maybe you were diagnosed with cancer or diabetes and you think it’s a death sentence. Maybe you feel cornered in a marriage that isn’t what you thought it would be. Maybe you feel trapped by your body and want to break free of your weight, or your fatigue, or your pain.

Come with me and break free.

Freedom: where you don’t have to be afraid! Cancer is not a death sentence and you take back control of your health and your destiny. Where you don’t care what anyone thinks; you can work for yourself and make MORE money. Where you are not afraid of anything and . Where you don’t depend on any person, any thing or any company to give you what you need.

Let’s find Freedom.

Health Freedom. Financial Freedom. Coffee Freedom. Freedom Freedom.