Make your home your office. At one point our society placed high value on how many hours you logged in the office. Increasingly though now, more and more people are opting to spend more time at home and with family. Working from home presents many benefits - from reducing/ eliminating commuting costs, more time with the kids, more personal freedom. Majority of people aren't adverse to work, however the dredges of the workplace are what results in high turnover rates. Digital globalization has broke open the doors to all sorts of new income streams for people, allowing folks to be able to work from home or wherever else they'd might like. If you've got the skills you can command your hours and your price. Here is a list of 3 clerical jobs you can do from home.


Wholesale and Manufacture Sales Rep

This is a growing industry, and depending on your skill level you can make bank. You work from home, selling goods for a manufacturer or wholesaler, government agency, or other organization. You contact customers, explaining to them product features, answering any questions they may have, negotiating prices, and closing the deal. Best part is that you don't have to buy and sell/ store any of the product. With as much as a high school diploma you can earn up to $57K per year, and if you have specialized skills, certifications, and depending on your degree you can bring in upwards of $78K.

Bookkeeper/ Accountant

Depending on you and your client, there may be times when you are needed on site, but most likely you can set or negotiate the terms. Aside from that, the majority of your workflow can be accomplished from a home based office on your terms as you see fit. As a bookkeeping, accounting, and/or auditing clerk your job is to produce financial records for organizations, record financial transactions, update statements, and check financial records for accuracy. With the advent of technology, unfortunately the demand for this line of work is declining, however highly specialized skills and knowledge are still valued and can earn you and annual income of up to $64K in certain industries.

Farmer/ Agricultural Manager

For some this may be considered the ultimate work from home job opportunity. There aren't really specific educational requirements as the true skill set is obtained in the field, however higher education does pave way for roles more on the managerial side of things. While it is true that farmers are increasingly able to produce more with fewer workers, demand for this workers industry is in no steady decline. Average annual income is over $66K.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.