Categories
Food for Thought

JoClub Membership is Now A Thing

I’ve been wanting to develop this for a while. So I sat my a$$ down and developed it. We’ve built a nice little community on Instagram and some of you have been journaling for 100+ days! JoClub is growing, and so should the access to the community.

I’m officially rolling out the JoClub membership program where you get to choose from 3 different tiers based on your interest in making journaling a lifelong habit!

Psst: my favorite tier is the “Connected Journaler” because it includes 1 monthly live journaling event and a Discord group so you can meet your best friends from around the world you don’t know exist yet.

So what is this all about? Here’s a breakdown of all of the tiers!

Don’t worry, we’ll still be updating the JoClub Instagram account daily with free prompts, there’s a little something for everyone 😉.

Level Price  
Newbie Journaler $5.00 per Month. Select
Introspective Journaler $10.00 per Month. Select
Connected Journaler $12.00 per Month. Select

← Return to Home

NEWBIE:

Price: $5/month

This membership is for anyone who has been wanting to take their journaling to the next level but needs a little extra kick. We’ll help you turn journaling into a daily habit with the following perks:

  • 30 thought-provoking questions on a monthly basis via Google Drive doc (so you won’t have to wait for them daily on Instagram)
  • Access to a Facebook group exclusively for the JoClub community of all levels

INTROSPECTIVE:

Price: $10/month

This is the level for someone who’s been journaling for a while but wants to dig into themselves a little deeper. Members who purchase this tier will get access to the following:

  • 30 thought-provoking questions on a monthly basis via Google Drive doc (so you won’t have to wait for them daily on Instagram)
  • Access to a Facebook group exclusively for the JoClub community of all levels
  • Monthly newsletter with recommended reading

CONNECTED :

Price: $20/month

This membership is for anyone who wants to make lifelong connections with other people who want to dive into self-improvement, mental clarity, and journaling for life. We’ll help you turn journaling into a daily habit with the following perks:

  • 30 thought-provoking questions on a monthly basis to your inbox (so you won’t have to wait for them daily on Instagram)
  • Access to a Facebook group exclusively for the JoClub community of all levels
  • Monthly newsletter with recommended reading
  • 1 Monthly live journaling event/journal slam
  • Access to an intimate Discord group for this tier only

Can’t wait to grow this movement with you!

Categories
Money

9 Legit Ways to Make Money Online During a Recession

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.

Sign up for a Robinhood account and buy a la carte stocks like you know what you’re doing. Here’s a free stock on me.

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

Categories
Journal

30 Days of Journal Prompts

If you follow my Instagram, you know I’ve been posting daily prompts and entries. To avoid making you tap 100 times to get to each entry, here are the first 30 prompts. I’ll be releasing an article every month with all of the prompts, so stay tuned. As I write this, we’re already on day 42. Tons of self-discovery to be had. Comment your favorite prompt and what kinds of prompts you’d like to see more of. PS: If you’re not already a part of our journaling community, join us here.

Day 1: WHAT WAS THE FIRST THING ON YOUR MIND TODAY?
Day 2: WHAT DO YOU MISS THE MOST?
Day 3: WHAT’S SOMETHING YOU LEARNED THIS WEEK?
Day 4: DID YOU THINK YOU’D BE HERE?
Day 5: WHAT DO YOU NOW KNOW YOU REALLY NEED?
Day 6: WHAT WILL YOU BE PROUD OF?
Day 7: WHAT DO YOU THINK YOU’LL MISS ABOUT NOW?
Day 8: WHAT WOULD YOUR KID VERSION THINK OF YOU NOW? HAVE YOU CHANGED? HOW HAVE YOU STAYED THE SAME?
Day 9: WHERE DO YOU THINK YOUR DREAMS COME FROM?
Day 10: WHAT IS A SMALL JOY YOU CAN APPRECIATE ON THE WEEKEND?
Day 11: WHAT IS SOMETHING YOU WANT TO SEE MORE OF IN THE WORLD? HOW CAN YOU START CREATING IT ?
Day 12: WHAT DO YOU ACTUALLY CARE ABOUT?
Day 13: ARE YOU LIKE YOUR FAMILY? HOW SO? HOW NOT?
Day 14: WRITE ABOUT A TIME YOU LAUGHED REALLY DAMN HARD.
Day 15: WHAT IS HOME?
Day 16: WHAT’S SOMETHING THAT MAKES YOU INSTANTLY HAPPY?
Day 17: WRITE YOURSELF A LETTER TO BE READ IN THE FUTURE
Day 18: REMIND YOURSELF OF YOUR STRENGTHS
Day 19: DID THE PANDEMIC END YOUR LIFE, OR BEGIN IT?
Day 20: WHAT DO YOU WANT? LIKE, TRULY WANT?
Day 21: WHAT WOULD YOU DO IF MONEY WERE NO OBJECT?
Day 22: WHAT’S ONE GOOD CHANGE YOU’VE SEEN IN YOURSELF THIS MONTH?
Day 23: WRITE ABOUT A STRANGER YOU REMEMBER
Day 24: HOW DO YOU THINK PEOPLE PERCEIVE YOU? HOW DO YOU PERCEIVE YOURSELF?
Day 25: DESCRIBE YOUR YOUTH. WHAT WILL YOU WANT TO REMEMBER?
Day 26: WHAT’S ONE NEW HABIT (OTHER THAN JOURNALING) THAT YOU’D BENEFIT FROM? 
Day 27: HOW ARE YOU REALLY DOING TODAY?
Day 28: WHEN DO YOU FEEL MOST AT PEACE?
Day 29: WHAT’S A LESSON YOU’VE RECENTLY LEARNED?
Day 30: TELL YOURSELF ALL OF YOUR POSITIVE QUALITIES. CONGRATULATE YOURSELF.

Click here to find out about our JoClub Journal Slam.

Categories
Journal Mindfulness

Joclub is Poppin’

Day by day, we’re writing books together. I’m ecstatic and in disbelief that we’ve been journaling for 37 days straight. Shoot, I don’t think I’ve ever done something daily this consistently. A lot of you have admitted that having a community to journal with has helped you stay consistent. It’s a symbiotic relationship, we’re strangers, but we’re helping each other become better people. We’ve made The Journal Club, JoClub for short, a movement on Instagram.

WOW THE INTERNET – WHO WOULDA THOUGHT?!

On most days, I hop out of bed excited to make my homemade café au lait, light a candle, and answer the prompt from the night before. Other days, you’ll DM me asking me if I can post the prompts earlier… sorry y’all the quarantine sleep schedule has been bringing me back to summer vacation where the only important thing I had to do was wake up to watch reruns of I Love Lucy (I was an old soul, ok?)

Despite the prompts being posted at different times, it’s stayed consistent and daily. It’s become a habit that I can’t get myself to shake – only unlike refreshing Instagram 10 times a minute, this habit is healthy, and my 80-year-old self will thank me for it.

If you’ve been journaling with me on my personal Instagram, give yourselves a virtual hug. I posted this video to celebrate our 30 days together and announced that I’d be doing this challenge for another 60 days. And hopefully, we can outlast many of my recent relationships by journaling together all year long. But let’s start with baby steps, ain’t nobody got time to over-commit and under-deliver.

So for the next 23 days, check my story for the most updated prompts, and share your entries by taggin both @jo_franco and @joclub_ (can I ever win with IG handles?). One of the fellow journalers has put together this Google Doc that will be updated with new prompts often. I also need a logo, so if you know someone to bring the journaling movement to life with a visual, send me an email: jo@joannafranco.com. We’re building this together, and I couldn’t be happier about it.

 

For those of you who are such loyal fans of @joclub_, make sure you follow our dedicated Instagram account, and read fellow journalers’ prompts. Their words might just be what you need to read that day. And your words might be the catalyst to help someone change their lives for the better. CRIES TEARS OF JOY.

Now, sit back, play that Lo-Fi hip hop, we even have this epic collaborative playlist, and put your thoughts on paper so they stop plaguing your mind. You’ll thank yourself in the end.

Categories
Thoughts

Welcome to My New Site

I feel like I just gave birth to my third child. Hi everyone, I’m Jo. Maybe you know me from my YouTube channel, @damonandjo, or for creating Shut Up and Go, and now, here we are on Not Your Average Jo. This will be the platform for all of my crazy ideas, tips, and resources to make us all a little less average. If you want to take your life to the next level, if you want to grow your mind, your money, and your ambition, this is a site you should keep refreshing.

Glad you’re here.

Why am I doing this?

  • Because I’m making videos on my YouTube channel that have so much information, they’ll need articles for your reference. Plus, I love writing, so it’s just more practice.
  • And also, because I’m all about putting content on the internet that actually helps you change your life in a positive way.
  • Consider this a website that will take you to the next level. We’re not average up in here.

I started making content on the internet 10 years ago, holy shit. I’ve deemed myself tech department, and it’s pretty fun navigating the hairy back end of WordPress. I built this site within days, and it all seems too familiar. What’s exciting to me about this project is seeing a new community grow, a community that’s passionate about growing.

What will I be writing about on this site?

  • Journaling
  • Money Management
  • Fitness and Wellness
  • Language Learning
  • Books
  • And anything else you request that adds value

I’ll be counting on you to keep me accountable, it’s a symbiotic relationship. The world is too connected, and too abundant for anyone to feel alone.

So for starters, leave a comment below telling me what you want to see on this site! XOXO,

Categories
Money

Financial Spring Cleaning 2020

*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.

 

Categories
Mindfulness

5 Ways to Calm Down Right Now

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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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