EPISODE 58 ~ MAKE MORE: Turn Your Passion for Music into a Lucrative Career

Is music your talent and your passion? If so, I’m here to tell you that it IS feasible to make money as a musician. From playing weddings on up to recording and selling your own albums, it’s all possible. And it’s our featured “make more” segment of this podcast. My guest is Rebecca De La Torre, a singer, songwriter, pianist and savvy business woman. Welcome to Easy Money, Rebecca.
Since you’re a performer, let’s set the stage. You come from a musical family and yet you were encouraged to be more practical in your career. Do I have this right?
I was always a singer. Started to read music in preschool. My grandmother is piano teacher and professional pianist. Everyone in my family plays an instrument or did at one time. I played trombone in hs and wanted to go to school for music but was encouraged to do that as hobby. I was good at computers and so I went into computer science/engineering.

In fact, you got your degree in electrical engineering and you landed a prestigious job at a major defense contractor, right?
Ten years ago I left a full time engineering job making $102,000 to do music full time. I was working on my PhD in electrical engineering at the time and only making about $600 a month playing piano and singing at churches in town. I realized if I was a full time scientist then music will always be my hobby and that scared me. So I dropped everything and decided I wanted to do music full time. I started planning how to get out.

Don’t tell us yet how much you make now in music. We’ll save that for later. But do tell us the first job you got in music and what it paid.
I speak Spanish and decided to get a job at a church. There was a church 7 miles from me in Mesa, AZ. Music Director job became available. Job paid $36,000 – went from $102,000. But I did it.

It may sound to people like you leaped before you looked, but that’s not the case at all. You had a plan. What was it?
The first year I made $40,000 but then I kept growing it. I realized I needed private events and to advertise and put videos and recordings online so people would see what I could do. I still made about $40k my first year as a musician because I set a BUDGET and had a PLAN that I stuck to.

A strict budget is important for you and something you would recommend to other musicians and creatives, am I right?
I have no debt besides my mortgage and I NEVER buy something I don’t have cash for.  This is SO crucial to being a successful business?person. One time I had $20,000 in credit card debt.  I DID used to have debt, but I paid it off BEFORE leaving engineering – so I’ve made that mistake, too. Back in the day I bought stuff I didn’t have money for. Not any more! I don’t have the latest fashion. I cook rather than eat out. I don’t live extravagantly. I don’t spend what I don’t have.

In fact, because you’re frugal AND because you’ve learned ways to make money as a musician, today you own several properties and have the luxury of splitting your time between 2 different cities, right?
As of right now I own 4 properties in 3 states. My job and the money I make allows me to leave town for the summer. It allows me to be a sunbird and get out of this heat in the summer. It allows me to make my own schedule but I work a lot.

We’ve got their attention now! So what are your revenue streams as a musician?

  • I still have my small salary as music director at a church, which pays the mortgage and groceries.
  • I perform at private events.
  • I do live shows
  • I sell albums at my live shows all the time.
  • I have also sold albums online but I’m still trying to figure all that out.
  • I write music for other people’s lyrics.
  • I perform at wedding ceremonies and receptions. At one times weddings were 30% of my business. Now about 20%.

I know you love it, but is it easy or hard to make a living as a musician?
It’s not easy money. It’s not easy. You have to hustle. It’s not for everyone. I think there are certain personality types that are good for it. You need to be resourceful. You need to be outgoing or have someone on your team who is outgoing. If you can do anything else, anything else in the world to make a living and be happy then do that because music is that hard. But if you have to do something with music, then be ready to work every day, master your instruments. Be humble. And always promote yourself.

How do you promote yourself as a musician?
I mainly use the internet and social media for building up my community of fans, promoting my gigs, and advertising for private events. In this day and age it’s all about the connection economy. People want to feel connected to where they spend their time.

So you’ve stitched together a career combining your own music and other people’s music, your own gigs and gigs for hire. Now, the big question: What kind of money are you able to make at it, Rebecca? And, thank you in advance, for being direct about this because it’s an inspiration to others.
Five years in I started making over six figures gross. Las year I grossed $106,000 with my music business.

Wow, 6 making 6 figures as a working musician, that is going to be a revelation to people. And yet, you say, try NOT to be a musician! Why?
If you can do anything else, anything else in the world to make a living and be happy then do that because music is that hard. But if you have to do something with music, then be ready to work every day, master your instruments. Be humble. But always promote yourself.

Well, Rebecca De La Torre, singer, songwriter, pianist and musician who actually makes money at it, it’s been my pleasure to promote you a little bit. And thank you for sharing your knowledge with my listeners on Easy Money! And folks, I will link you to Rebecca’s website, her You Tube Channel and so on, where you can hear more of her music. Just go to EasyMoneyShow.com/58 for those links.

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EPISODE 57 ~ MAKE MORE: Make FIVE figures reselling goods online!

We’ve talked before on the Easy Money about how it’s possible to make money by buying used goods cheap and then reselling them online. But you probably never imagined you could make 5 figures doing that? It’s true and it’s our featured “make more” segment of this podcast.
My guest is Glen Zubia, a master reseller and host of Hustler Hacks on You Tube. Welcome to Easy Money, Glen!

Glen, explain the financial position you were in when you got out of college and how that prompted you to look around for creative ways to make money.
I was at about $23,000 in school loans with my car and credit cards. For credit cards I had paid for books. All that together ended up being a little over $50,000. I graduated in Dec 2009. I got a full time job and I started off at the bottom and I figured off quickly I didn’t know how to pay off the loans and make a living and eventually get a house. I didn’t see it happening with how much I was making.

I know you were scraping to make just the minimum payments on your loans. How did you get the idea to buy stuff at garage sales and discount stores and then sell it online?
I contacted one of my friends and said have you been going to garage sales because I would see them Sat morning. So I said let’s get up at 5AM and start going and see what happens. I started off with things I somewhat knew like sneakers and video games and that is what I recommend. Start with what you know. We hit up as many garage sales as we possibly could. Getting up at 5AM. We would map them out and look on Craigslist.

This business wasn’t always easy or intuitive. Talk about some of the hard times early on.
Time management was hard in the beginning. You are so drained from work 8 to 5 at a full time job I thought how will I do this. I stayed up late listing things. But that was what I had to do to put in the work. I made minor mistakes in the beginning. I didn’t know shipping details. Things I thought wouldn’t cost much ended up being more. I spent low in the beginning though with low risk high reward.

There was sort of a turning point when you knew the business would work. Talk about your “Disney moment.”
Over time we stayed consistent with it and then sometimes you get a really special find. For me it was some Disney statues that used to be in Disney stores. The Dumbo one sold for $1800. Mickey Mouse for $1200. Those big heavy finds happen every now and then but most of the time it is consistent.

One key is when you know something has value but the seller doesn’t realize, right? You really scored with some hats because of that.
Garage sale wise a few years ago a lady was selling a bunch of sports team Snap Back Hats. They were a vintage throwback thing that came back as a fashion fad. They were re-selling for $40 to $50 each. Lady sold for $1 each. I bought 5 to test out and they sold very quickly for $40 each. So we went back to her house to ask if she had any more. She had had a store that didn’t work out so she had boxes and boxes full of these hats. We bought all of them from her. I think we ended up spending $250 a box for 4 boxes. Over time we sold every hat. On Craigslist, Ebay etc. We ended up making $10,000 from just those hats.

Some of these products you yourself knew were valuable, but you also do your homework, right?
Having a Smart phone, you can look at things while you are shopping. I use the Amazon Seller app to scan items and compare prices while in the store. You can scan bar codes to see the current rate on Amazon so I started using that. “We spent time on Ebay to see what was selling. We noticed Coach purses were selling well so we would sell those. Same with vintage video games or brand new box toys. A lot of it came from researching on Ebay.

And eventually you graduated from just hitting garage sales to other sources, right?
I look for deals wherever I can find them, including at thrift stores, pawnshops and garage sales. But these days I also shop a lot at Ross, Marshalls, Burlington, Tuesday Morning and T.J. Maxx.  Of those three stores, I visit Ross most frequently. I go three to four times a week — hitting several locations — because you never know when new merchandise will arrive.

Jeez, this sounds like a full time job! Is it your main gig these days, or do you have a quote unquote “real” job?
I still consider this a side hustle, but I knew it was time to quit my full time job as a graphic designer when this side hustle made more money than that other job. Now I help my family business which gives me flexible hours, so that I can spend about 20 to 30 hours a week on this side job.

Well, now that we’re talking money, tell us how much you made as a reseller in the first couple of years and what happened to that debt of yours?
When I really started getting serious about re-selling, it took me 2 to 3 years to pay off the $50,000 in debt. After eliminating student loans, my car payment and my credit card debt in less than five years, I got married and bought a house. Now my new goal is to pay my house in less than 10 years. That keeps me going. Right now I am doing well with that. Without re-selling I don’t think I would have paid the debt and been able to put down such a good down payment and have money to reinvest and for savings. I never thought I would get to that point.

Wow! So how much are you able to make per month as a reseller?
When I first started I was just trying to make an extra $1500 a month because I was working full time at the university. At this point now after several years doing it across several platforms I am consistently at $7,000-$8,000 a month.trying to get $12,000 to $15,000 a month profit.

Well, now you’ve got people’s attention. Let’s give listeners some advice if they want to try this themselves. I’ll state your tip and you explain it. You suggest people start by selling their own stuff. Why?
If just starting out, instead of spending money, get rid of things in your own house. When you don’t have much, it’s a good place to start. Start slow and go with low cost.

Second, you say, buy things you know.
I suggest that beginners focus on what they know. While I buy many things, I have always been interested in sneakers, so my knowledge about shoes helps me determine whether to pick up something or pass on it.  For example, once I bought a pair of Air Jordan shoes for $49.99 at Ross and sold them for $350 on eBay.

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EPISODE 56 ~ MAKE MORE: How Job Hopping Can Increase Your Income

Did you know that you can make more money just by switching jobs? Many thanks to Business Insider where I first saw this research. The conventional wisdom has always been that it’s a bad idea to move from one firm to another too often because it makes you look flaky. BUT a study showed that people who stay put for too long end up making less money than people who switch fairly frequently.

The researchers delved into the data and found that job switchers make about 1 percent more per year than those who stay the course. That does not sound like an impressive statistic, but picture it spread out over years and years. Thanks to higher re-set points every time you change employers, that 1% a year could add up to hundreds of thousands more by the end of your career. It’s particularly helpful to snag big salary hikes in your 20s and 30s because statistics show our incomes level off in our 40s, so you want that money to level off at a high level.

Bottom line: people who job hop a bit have more bargaining power when negotiating with a new employer than people asking for raises at their current job. Oh, and a positive trend the researchers noted: employees are going for it, quitting their jobs and taking new ones at pre-recession levels now. Woohoo! Sounds like freedom and flexibility to me!

Wage growth chart for job hopping: www.businessinsider.com/earn-more-money-switching-jobs-2017-7

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EPISODE 55 ~ MAKE MORE: Get Paid to Test the Newest Video Games

Video game testers play the game looking for errors. Whey they find one, they have to reproduce it to show it wasn’t just a one time fluke. Then they fill out a form reporting the bug and submit it.
How much money can you make playing video games? $10 to $100 an hour depending who hires you. There are even full-time quality control pros who make about $55,000 a year —more if they’re experienced. That’s right, if you test lots and lots of video games, people will pay you even bigger money to test more of them!
So… which video game companies hire people to play and test their games? Here’s a list: Nintendo; Rockstar Games creator of Grand Theft Auto; Blizzard, which makes World of Warcraft and others; Big Fish Games, Electronic Arts, Ubisoft, Epic Games, Gearbox Software and the list goes on.
Some of these companies hire through the big job sites like Indeed, GlassDoor and LinkedIn. Just use the search term “Game Tester Jobs.” Others actually have their own job pages on their websites or hire through employment agencies that have internet listings. I will link you to those from EasyMoneyShow.com/55.

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EPISODE 54 ~ MAKE MORE: Another Man’s Trash is Your Treasure: How to Make Money Dumpster Diving

You could make six figures a year …as a dumpster diver! It sounds crazy —but it’s not— and it’s our featured “make more” segment of this podcast. The secret is choosing the right dumpsters and we’re going to tell you how to do that.
My guest is Matt Malone who stumbled across the buried treasure in dumpsters by accident and now makes big bucks selling his finds. Welcome to Easy Money, Matt.

In “real life” you’re an internet security guru. Explain how that led you to dumpster diving.
An old boss assigned me to dig through a company’s trash to show them how much sensitive information I could gather about their operation. While I was digging up their confidential information, I came across all sorts of nice —sometimes brand new— stuff that had been thrown away.

What kinds of dumpsters do you target primarily?
Mostly retailers’ dumpsters, but also apartment complexes near colleges and dumpsters inside storage facilities.

Describe some of the biggest finds you’ve come across in dumpsters?
Building materials, brand-new stereos, GPS devices, cameras, flatscreen TVs, power tools, HEPA filters, vacuums, power tools, furniture, carpeting, industrial machines, assorted electronics. Some of them need a little work, but many are brand new, in the box.

How do you convert this trash into cash?
I started by holding yard sales, but then realized I needed to go online to sell the big ticket items.

OK, Matt: The question everybody’s been waiting for: how much money do you make per year from dumpster diving?
$100,000 or so.

And you estimate you could make even more if quit your day job and did this full time?
Yes, I once did the math and I could bring in $600,000 year if I did this full time —WITH a month’s vacation every year.

Well, hearing that, some listeners are going to want to try this for themselves. So let’s give them some tips. I’ll state the tip and you explain it, alright? First, talk about the proper gear a dumpster diver needs.
Headlamp, gloves, boots, magnetized flashlight you can attach to the inside of the dumpster.

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EPISODE 53~ MAKE MORE: Solar Panels Not Only Save You Money But Can Make You Money

Solar panels can now pay for themselves in as little as five years, depending where you live. I will link you to an article of mine that helps you figure out if you live in a good location for solar panels. If you do, you won’t need much, if any, power from your electric utility. And, in fact, that mammoth utility might even buy power from little old you!
First question to ask: Does my state have net metering? This is government speak for any state where if you generate more electricity than you need, the power company will buy it back from you. This can be a nice little money maker for you. And fortunately, it’s pretty common. 38 states and the District of Columbia offer net metering. I will give you the link to Look up whether yours is one of them.
Second key question: is my state a SREC state? SREC stands for Solar Renewable Energy Certificate. About 30 states plus the District of Columbia mandate that electric utilities must generate part of their power from renewable sources like —bingo— solar. And yes, power companies will pay you to help them do this. For every 1000 kilowatt hours of solar power you generate, you earn one SREC. Your utility will buy that credit from you —for as much as $480 in some areas. The value of these SRECs varies dramatically from one state to another, and DC where I live, is one of the most generous, but I can tell you that my neighbor Mark makes about $2500 a year by selling these solar credits back to our local power company. Nice!
I promised you SEVERAL links as part of this “make more” segment and I will have those for you at EasyMoneyShow.com/53.

Good locations for Solar panels: www.washingtonpost.com/lifestyle/home/considering-getting-solar-panels-here-are-the-right-questions-to-ask/2018/03/09/3190c71a-20c0-11e8-94da-ebf9d112159c_story.html?noredirect=on&utm_term=.f0b735ccd311

Net metering policies in your state: www.ncsl.org/research/energy/net-metering-policy-overview-and-state-legislative-updates.aspx

Solar renewable energy certificates: www.energysage.com/solar/cost-benefit/srecs-solar-renewable-energy-certificates/

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EPISODE 52 ~ MAKE MORE: How Lawn Care Apps Can Make You More Money!

How did you get the idea to mow lawns and do other landscaping work through GreenPal?
I did maintenance work for 17 or 18 years. I did lawn care when I was younger and then I started doing it on the side Worked first few years through Craigslist and word of mouth.. I wanted to be outside and honestly I was getting tired of punching a clock. I decided I wanted to do it full time.
Bryan – the founder of GreenPal was with Peachtree lawn care, which I knew of. I didn’t know him personally but he was all around. His company was very large. Just this year I found GreenPal and when I found out he started it I knew he was successful.

Explain what GreenPal is.
The days of knocking on doors are gone. People want a simple app and to have it done. I jumped on board. I thought if you don’t you will get left behind. It has been blossoming ever since.

You were already mowing lawns. What did it take to get started on GreenPal?
Was harder at first. I bid what I charge and I wasn’t getting anything but I didn’t have any reviews or ratings. I had to underbid in the beginning to get started. I started doing that and now I have 30 to 35 5 star reviews. One person said doesn’t give 5 stars but mostly I have all 5 star reviews which really helps. Now I can bid my normal price. A lot of them I bid on jobs and won the bids. Some of them just contact me through the app though by account.

One of the biggest benefits is introductions to clients, right? At this point, how many direct clients do you have and how many do you have through GreenPal?
My direct clients are 40-50. And through Greenpal, last time I checked was about 121 clients.

You also do some landscaping through Greenpal. Is that a nice change of pace?
Hedge trimming, cutting small trees down, mulch jobs, planting plants..

Did you quit your regular job? Is this your entire living now?
In the off season I help my father in law flip houses.

What’s your favorite part about mowing lawns and doing landscaping through GreenPal?
I enjoy being outside. I have the best office you can find out there! Outside! I love that I can get up in the morning and I can have a cup of coffee before I start but I know what I want to get done. I am so much happier! I am happy just to be outside.

You also have more freedom and flexibility for your family, right?
I am able to spend time with my kids. If I want to go have lunch with kids at the school or spend time with them, I know what I have to do. I may try to get everything done so I can spend all day Friday with them. It is very meaningful. When you are punching a clock you can’t leave and you miss out on a lot. I have 2 step kids and 2 of my own – one is 2 and oldest is 22. We have a granddaughter born in December.

And now, the question people have been waiting for me to ask: What kind of money can you make doing yard work through GreenPal?
They could make as much money as their heart desires as long as they get out and go for it. You can make a living at it. You can make 6 figures. Easily! A hundred grand! 200 grand!

Has the money made a difference in your life?
Lots of things. You can start saving for things. A lot of families want to go on vacations but sometimes it’s hard when you get strapped down with bills. I am able to go out. We are taking the kids to Disney for a surprise this year. They have no clue. We knew what we needed so I went out and made it from mowing. We are leaving in 3 weeks – end of June. We will be there for 4th of July. My 2 year old will be so shocked. He loves Mickey Mouse.

You’ve got some tips for other people who might want to try this. I’m going to name the tip and you explain it, OK? First, you say invest in a commercial mower. Why?
You can start off with anything but if you are doing several lawns a day, get a commercial lawn mower. They are built better to withstand things. This is my 3rd season with mine. I bought mid-grade commercial – not even top of the line. You can spend $20,000 on mowers and there are times I wonder what that would be like. But that is where the wife steps in and says, let’s think about this. Take care of your equipment. I clean it once a month and keep the blades sharp.

What about pricing your services. How can people be strategic?
I have made some mistakes as far as learning the whole bidding process. Sometimes I bid too low and have to learn from that. I have done work for people and they say this looks amazing are you sure this is what I owe you. Some offer to pay extra but I just charge what I charge. Pricing jobs can be tricky. In the beginning I undercut my normal prices to get business and good reviews. That helped me get started.

There are lots of people doing lawncare. What do you suggest people do to stand out?
I pay attention to detail. One of the lawns I take care of. I saw a bigger company mowing a yard and the guy went around the soccer ball and kept mowing. I would have picked up the ball and taken it and put it on the porch but that guy just mowed around it. I wouldn’t do that and my customers know that. I pick up trash if it is in the yard. I pay attention to detail and do the best I can.

And finally, what would you say to those who would love to make a change like you did, but have to overcome their fear of change?
It is very scary when you step outside a job you are used to and not knowing if you will make it and can support your family. But stick with it. You think how can there be that much grass out there but there is.

The Uber of Lawn and Garden care app:

greenpal.com

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EPISODE 51 ~ MAKE MORE: How To Have A Career As A Digital Nomad

Let’s talk about living life —and succeeding in a career— as a digital nomad, somebody who travels around and works remotely from wherever they are.
Many thanks to Entrepreneur.com where I first saw this topic. One of my guests on Episode 46 was a digital nomad, Tara Smith, who works from the road as an interior designer with Modsy. So we know it can be done. But how?
First of all, if you want to do this, know that you are not alone. Data from Flex Jobs shows that 43 percent of Americans work remotely at least part of the time, so the trend is going in the right direction for digital nomads.

Here are the basics:
First, get out of debt if you’re in it. It’s hard to become a digital nomad if you’re weighed down by credit card debt.

You are not on vacation. You need to respond quickly to client requests, which means having WIFI access at all times.

Ideally you would work for yourself. Or, if you work for a company and like it, you will need to “train” your manager to accept you n to being in the office. TIm Ferris’s 4 Hour Work Week is the classic step-by-step guide on this.

Now, what sorts of jobs do other people do successfully as digital nomads? Here’s a list: Blogger, Coder, Copyeditor, Consultant, E-Book Author, Graphic designer, Social media manager, Online course creator, Translator, Transcriber, Affiliate Marketer (In other words, somebody who promotes products on their blog and gets money for click-throughs), Video Editor, Virtual Assistant, Writer, Resume Writer. (My guest on Episode 6 makes 6 figures as a resume writer and often takes her work on the road.) and one more: Tutor. What other job titles could you add? All of these have a common thread: they can be done on a computer over the internet. Easy peasy.
Still not sure you could take the leap? I’m happy to tell you that there are also now job sites devoted to digital nomads, including one called Working Nomad and also remote.co and Outsourcely. I will link you to these digital nomad resources from EasyMoneyShow.com/51.

Links:
Jobs sites for digital nomads:
Working Nomad
Remote.co
Outsourcely

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EPISODE 50 ~ MAKE MORE: How To Make it —And Make Money— In A Creative Career

Are you a creative person, full of talent but also full of fear about becoming the stereotypical “starving artist?” I’m here to tell you that It IS possible to make it as a creative. That is our featured “make more” segment this time. My guest has made it as a creative despite some real-life challenges early in her career. In this episode I interviewed author, poet, selfcare and wellness consultant and fellow podcast host Alex Elle. Here are some of the questions I asked her. Alex’s insights can help YOU take your creative career to the next level income-wise.

I think people believe you have to focus on one thing career-wise. But you are thriving doing a long list of things. Do people have to choose?

Some of your books have traditional publishers and some are self published. Any advice for aspiring authors on which to choose and how to succeed at either?

Your other main focus is as a wellness and self care consultant. How did you get into that field and how do you make a living at it?

I know you didn’t set out to become a popular presence on Instagram. But you are. You’ve got nearly half a million followers. How did it happen and what do you try to do with this platform for yourself and your followers?

Links:
Guest: Alex Elle
Website: AlexElle.com
Instagram: www.instagram.com/alex_elle/
Blog: AnotherSunday.me
Podcast: districtproductive.com/hey-girl/

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EPISODE 49 ~ MAKE MORE: Wedding Officiant Could Be Your Next Side Hustle!

It’s wedding season as I record this and did you know you can make extra money performing weddings? Thanks to Refinery29 where I originally saw this “make more” idea. Think about it: this is a great option if you are good at public speaking, if you were a drama geek in high school, if you’re a romantic. Or if you look the part of the wise wedding officiant.

AND In many places, you do not have to be a minister or a judge to be a wedding officiant.

One option is to get ordained online as an officiant or a celebrant. The latter is a bit higher, more involved level. This can be a low or no cost process. Just google it and lots of options pop up. Then be sure to cross reference these online certifications with the state where you want to perform weddings to make sure everything is in order legally. A handful of states do not recognize online ordination.

Another possibility, in some places, like California and the District of Columbia —the cool place where I grew up and the cool place where I now live— is to pay $25 to $35 to the state for permission to perform weddings for a single day. If you did multiple weddings a day —or expensive weddings— this fee could be worth it. However you make it official, it’s important that you’ve dotted i’s and crossed t’s because if the marriage isn’t legal, the couple’s home ownership, health insurance and even future possible divorce could all hang in the balance. EEK!

People who have tried performing weddings quickly wised up to additional services you can add that are helpful to the couple and money-makers for you.
•If you meet with the couple and/or their family to plan the ceremony, you can charge for your time.
*The more you personalize or customize the ceremony for them, you can charge for upgrades that take additional prep time on your part.
•You can provide marital advice, just like a minister often does. If you’ve been married a long time yourself OR if you’re a good researcher, you can come up with legitimate, well-founded words of wisdom to share.
•You can also give guidance or even help write people’s personalized wedding vows. OR at least help them choose among the standard vows that are out there.
•Another service that comes to mind: helping couples find great, meaningful readings for their wedding. There are so many bad or overdone ones out there.
•You can also charge for travel time and mileage, if you have to go to a remote wedding location.

So, what kind of money can you make performing wedding ceremonies? Wedding officiants I researched made between $300 and $500 per basic ceremony, If you do 2 weddings a weekend, that’s as much as $4000 a month, $50,000 a year. Plus
additional fees for the add-ons I mentioned. Not bad for a “workplace” where everybody’s in a good mood!

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