We are a few days away from shouting “happy new year”. That is great right? As we all know, 2020 was not the best year (and yes I am talking in the past tense) and we can’t wait for it to be finally over.

The pandemic made a lot of people lose their jobs, lives, loved ones, and also money. Almost everyone around the world was affected. Some say no amount of preparation could prepare anyone for what we all faced. True, but that doesn’t mean we will not take some precautions. There are some habits I already had that helped me a lot during the pandemic. These habits and goals are what I will be sharing with you guys. Fifteen of my yearly goals and habits that always improve me.

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Before we start with all the New Year resolutions, the do’s and don’ts of the New Year, let’s check out some popular memes;

A lot of memes have been flying around. People are saying “what if 2020 was the trailer and 2021 is the movie” well if that is to happen (which won’t hopefully) we will be ready and face it head-on!

Fifteen goals and habits for self-improvement in 2021

1. Saving;

I belong to the percentage of people who believe money can solve a lot of problems. And the only way to have abundant of it even when the paycheck isn’t coming is to save. The pandemic taught us all the importance of saving. I don’t need to tell you to buy a piggy bank and save a penny. I was able to go through the pandemic with ease because I had savings. We need to save for rainy days. Read this post on tips and tricks to save money easily and fast.

2. Have a mantra for the New Year;

I don’t know about you but mantras always help me overcome fears and self-doubts. It boosts my confidence sixty per cent of the time. Here are some ideas;

1. There is no limit to what I can achieve.
2. I am the best version of myself
3. My mistakes and failures make me stronger, braver, and wiser

If it helps you, you can also add your full name and chant it in your head. Trust me it will boost your confidence.

3. Stay away from bad energy; 

If you really want to be your best self, stay away from people with negative vibes. When you move with people who are always negative about things your decision-making process begins to waver. Negative people are the absolute worst. Do not share your dreams or ideas with them, they will kill it before it even starts to grow.

4. Shop once in a while; 

We all know that the shopping mall is the remedy for most girls’ emotional distress. Take a few hours off your day and go shopping. Remember to buy only the things you need. Lift up your spirit always.

5. Celebrate small achievements; 

Whether you finally cleaned up your closet or finished a good book, celebrate it. Achievement doesn’t have to be about starting a business or making your first six figures. 

6. Have a hobby;

Most extroverts had a lot of problems during the pandemic because they loved to go out.  If you have a hobby that can keep you inside for hours then you should pick it up.

Introverts didn’t have that much of a problem because they stay inside a lot. Choose a DIY craft to learn each month until you find what catches your interest. Hobbies help takes your mind off your problems for a while.

7. Try an art or cooking class;

I am definitely far from artistic but one thing I enjoy doing is cooking new meals. There are a lot of YouTube channels for that. I am not talking about a professional chef in a standard kitchen. Just regular people cooking with regular stuff you have at home.

8. Have a short or long term projects;

This doesn’t have to be work-related. You can pick up challenges like getting 10,000 followers in 30 days on Instagram, or even academic wise. This will give you something to be thankful for after it is completed.

9. Take online courses;

Online classes are like the new norm. There are a lot of free courses you can take online and improve yourself. Like leadership courses, self-motivation courses, public speaking courses. They will be taught by professionals. I did this during the ease of the lockdown and I actually enjoyed it.

Remember learning is a continuous process.

10. Do workout challenges;

This is a little something to start your day with. Join fitness Facebook groups and connect with people. Workout from home.  There are lots of fitness challenges on YouTube. Pick one and start. You can do it every morning before heading out. The workouts are like fifteen minutes short and helpful.

11. Go for a scheduled medical checkup;

I am no medical personnel, but we all know we need to visit the man on a white coat once in a while. You can just go for checkups. Having good mental health gives you peace of mind. You need to cultivate this habit.

12. Plan your self-care routine;

Take care of yourself. Don’t pump junk foods into your body and think you will live a long and healthy life. Eat your vegetables. Take care of your skin and glow up!

13. Be your own cheerleader;

Always support yourself, when you set your mind to do something, cheer yourself on to finish it.

14. Avoid toxic relationship;

If you are in a relationship and it is not working well or you two are from two different worlds, then do you first. Put your happiness and mental health first. Say no to toxic relationships.

15. Have a strong relationship with God;

You can’t get through a year without committing it into God’s hands. Ask him to guide, protect, and lead you through the right path.

I hope you got some goals and habits you can use to improve yourself in 2021. We don’t usually see changes immediately but continue this daily and you will be able to overcome some hurdles 2021 will bring your way.

Happy New Year.

 Our Vision and Goals

You are the greatest investment you can ever make in your life. You determine whether you incur a profit or a loss.

The Final Guide is a blog ran by a person whose vision is to see people make it amidst their unfavorable financial position and location. Our aim and goal is to bring to you topnotch articles on how you can grow financially, improve yourself and also follow the nonstop trends on digital marketing.  The world is going digital and we do not want you left out on that train.

Everyone has a choice in life. Choose which side you want to belong to. Do not let your present circumstances determine your future. Have dreams, dreams set everything in place for your success.

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1. We save for unforeseen problems.
2. Saving helps people make rational decisions when it involves money.
3. Saving teaches people the value of money.

What makes these saving tips good?

1. They are easy and fast.
2. You haven’t heard of most of them before.
3. You can start immediately.
4. You don’t have to change your current lifestyle.
5. It can be done by anyone.

• 14 days period; this is one of my favourite methods of saving money. This method is best implemented when you want to purchase an expensive commodity. You wait for about fourteen days before you make that purchase. Why?

1. It saves you from unnecessary spending.
2. It curbs your impulse buying.

• Double the price; this is one of the methods I also love doing. This means in our own words, saving double the amount of something I want to get. For instance, if I want a particular gadget, I will save double the amount so one goes to the savings account and the other is spent on the gadget. This is done so I do not feel the amount of money taking out of the account. This method is easy and will help you save money fast.

• Sell your old clothes; you can save fast and easy by selling your old clothes for up to $50. If you have your old clothes still in good condition, you can sell them for cash and make money off them. This might sound like a lot of work but it isn’t. There are websites made specifically for this. All you have to do is;

1. Take a clear photo of your old to clothe in good condition
2. Give a proper description of the outfit.
3. Wait for sales.

1. You skip a meal, which makes you save money on the skipped meal.
2. You experience weight loss.

• Reduce the amount spent on bills; if you want to save money easily and fast, you need to reduce the amount you spend monthly on paying bills. This includes mortgage, transport, electricity, and water.  If you are lost on where most of your income goes to, check your monthly bills. Walking once in a while will save you some cash on transport bills. For electricity bills avoid using hair electronically appliances all the time. In general, appliances that produce heat use a lot of power, thus increase in your electricity bill. It is advisable to use LED lights as they need little power supply. 

1. First, you don't have to wait for anyone before getting anything you want.
2. You don't have to babysit thousands of babies before you can get the latest I-phone.
3. The most important and most embarrassing one is exchanging chores for money. Every teenager's dream is to live in a chore-less world. (That is if it exists).

The good news is you can have all the things you want at your own time by following any of the six easy ways to make money online and yes it is legit!

Busy to read now, pin the image to read for later;

NOTE; THIS IS NOT A GET RICH QUICK SCHEME. REMEMBER GOOD THINGS HAPPEN TO THOSE WHO WAIT.

Before we look at the ways to make money online for free as a teenager there are somethings we need to make them happen;

• Laptop; if you want to make money online you need to have your own personal computer. It makes everything easy. Using your smartphone can be a bit troublesome, I highly recommend getting a laptop.

• Internet connection; it is no news that if you want to make money online you need a stable internet connection. Make sure you need provision for a fast internet connection as slow ones get really annoying.

• Means of receiving payments; This is having an account number or a Paypal account. most of these methods will require you submit one. Make sure you have an active account number(dollar account) and a PayPal account.

As lame as it sounds, blogging is a very good way of making money online. It doesn't take much of your time if you know what you are doing. Starting a blog is like a longtime investment that is very fruitful and worth the hassle at the very beginning. Sara from gathering dreams shared her success story of how she made $3,878 three months after blogging. The fun part of blogging is that you can blog about absolutely anything. Including pets! 

You ask yourself, I am just going to be writing, how will the money come about? Easy!

Affiliate marketing! Affiliate marketing is referring a product through your special link while you get a cut after a purchase is made or signup is made.

Imagine blogging about skincare and then putting special links on your blog encouraging your readers to buy a recommended skincare product, for every purchase made through your link, you get a percentage of the product price. Brilliant right!. You can get this affiliate programs from, Clickbank, share a sale, commission junction, max bounty….

You can also make money blogging by selling ads spaces. This is done through Google Adsense. Adsense is a trustworthy network that makes selling advertising space easy, it preferable better than selling advertising spaces yourself.

Get your very first hosting for just $3.95 click here to get it.

RELATED; HOW TO START A MONEY MAKING BLOG IN 2021

2.Social Media; 

This may seem news to you but a lot of people make money through social media. They are called social media influencers or personalities. We all login on Instagram liking pictures, reposting and all that. We are helping them make money. 

You can make money from social media through social sponsored posts. But before you can get noticed you need to be different. How?
Your page needs to look different. I don't know who needs to hear this, but most influencers pages look like spam!!! Be original, be creative and be different in a good way.

You need to grow your following, engagement rate and also your credibility. You need your followers to trust you that you will only bring products worth their money and time before them.

Be consistent if you want to be noticed by YouTube, Instagram or any social media platform.

Under social media, YouTube is a very common platform. The great thing about YouTube is it is free to sign up and easy to do. You vlog about anything whether your life, games or even gadgets. You can also share affiliate links on your YouTube videos description and make extra cash.

RELATED; HOW TO MAKE THOUSANDS OF DOLLARS PINNING ON PINTEREST

3.Freelancing; 

This is one of the easiest ways to make money online as a teenager. Are you good with coding, creating apps or writing jaw-dropping articles, then this is for you. Freelancing sites like Fiverr and Upwork are online platforms where services are bought and sold. Only this time the commodities are your services like building apps, designing logos, creating infographics, writing a blog post and anything you can think off. Freelancing sites are generally where people come to find solutions to their problems.  

The great thing about Freelancing sites are;

1. They are free to join.
2. You get paid for a good job done
3. You are allowed to set your price rating
4. There is a job for everyone.

4.Print on demand; 

Have you ever heard of it? Maybe not. Don't worry about it. This very easy and stress-free. Did you ever travel to Europe and took nice pictures of ancient buildings or are you a graphic artist, then this is for you.

Print on demand is uploading images on merchandise which are then printed, packaged and sold to the public.

You can use free editing tools like canva or pic monkey to resize your images to a perfect size and then upload your photo on print on demand sites like Redbubble or Teespring.

1. You have only one job, upload images and the sites will do the rest.
2. Years later you will still make money from your designs.
3. It is free to sign up
4. You can join more than one site.
5. You are allowed to set your prices
6. You don't need to be eighteen to join.
7. You don't need a PayPal account to receive payments.

NOTE; Read the terms and conditions properly before signing up. If you decide to use a free image on the net, read the terms of use properly so your account doesn't get closed for copyright issue.

5.Creating an online store; 

Selling online is one of the most popular ways to make money. If you have read the blog post from the beginning you will notice most of the way to earn money blogging included selling online with having no stock or goods to sell. The world is changing so much that you can have an active online store with having no goods at all. This is made possible through affiliate programs like amazon and Esty. 

All you have to do is to create an E-commerce website with WordPress, pay for hosting from Bluehost and then open an e-commerce widget account with Ecwid. An example of an online store like this is wirecutter. 

Wirecutter is an online store that makes its money through amazon affiliate marketing program.

 6.Selling your Photos; 

If you are a photographer who takes nice photos and would like to make money off it, read this properly! You can sell your photos for cash to different sites like Istock and shutter stock and get a good price from them anytime someone pays for your photos. Before you venture into this you need to read about it properly as a lot of legal terms come with it. What do you have to do to sell your photos;

1. Create high-quality photos.
2. Upload your content easily.
3. Make money every time your content is downloaded.

WHAT MAKES THESE METHODS OF MAKING MONEY ONLINE AS A TEENAGER EASY?

1. You can work from absolutely anywhere.
2. There are different methods of receiving payment, choose the one that is good for you.
3. They do not take much time and are stress-free.
4. It can be carried out by anyone around the world. Whether you live in Europe or even Africa.

RELATED; HOW TO MAKE LOTS OF MONEY SELLING PHOTOS.

DON'T FORGET;

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2. End of the year sales: