Why we need Community Gardens?

Farming is often considered as exclusive for rural areas but that is changing with community gardens. Because rural areas have enough space. Nevertheless, we can observe a growing presence of community gardens around major cities in the country and in the world. They utilize available space to build green meeting points. Consequently facilitating and promoting urban farming as an evolving movement to encourage social awareness around issues like healthy lifestyle and community involvement.

ave money with community gardens


Community garden gives access to fresh, healthy and affordable food. When you join a community garden you have a piece of a shared plot where you can grow your own season vegetables and fruits.

Advantages to save money with community gardens:

The math:

Break down your grocery budget and estimate how much goes into fresh produce such as tomatoes, carrots, basil, onions, green pepper, etc…

  1. Cost:
  • Most community gardens are free but you have to pay a small maintenance fee very negligible. However admission is random and at a base of first come first serve.
  • Educational materials on how to grow fresh vegetable: free YouTube videos
  • Seeds: $40
  1. Revenue: a conservative approach
    • By leveraging a community garden and optimizing the space you can reduce your fresh produce budget by up to 10%
    • Excess harvest could be sold to your neighbors, friends or family at a small cost.

Profit: You can except in the worst case scenario to break-even or reduce your budget by at least 10%

ave money with community gardens

Check near you to save money with community gardens:

This useful link will greatly help you. In addition, the website will prove to be very resourceful: https://communitygarden.org/find-a-garden/

ave money with community gardens

How To Earn Money With Your Car

When many hear of the expression earn money with your car, Uber or Lyft immediately come to mind. Indeed, they are probably the best ride-sharing services right now. But, there are many companies that are providing better alternatives. Thus providing more options for people like you looking to make extra money on the side.

Takeaways: Make money with your car

There are tons of opportunities to earn money if you hold a driving license by leveraging the power of the community. Turn it into a full time or just picking up some few hours it is up to you.


A. Drive for a ride-sharing app

Demand for ride-sharing apps is soaring especially in urban cities. But chances are even in suburb, traditional rural or semi-urban areas such services have been growing steadily.

By the far, the known are Uber and lyft in the USA. But they are other players such as Via that does 1 million of ride-hailing a month. Another player is Juno. However, the industry is preparing for the entry of big automakers such as GM and Ford.

    • Eligibility

For the most part, to join a ride-sharing app, you will need to be at least 21 years old with a year of driving experience in the USA  or at least 3 years of driving experience if you are under 21. In addition, you need to pass a background check and own a car made in 2007 or later. Then your car must be four-door seat and four-door passengers(excluding the driver) be register in State and be covered with insurance.

    • Schedule

It is probably one of the most flexible jobs you’ll ever come across.  You can work days, nights, weekends, after work, before work, during your break, on your way for grocery, on your way to a dentist or on your way to a date. It is up to you. More, you can register as a driver with multiple apps and switch them as you wish.

    • Location

You can drive for a local ride-sharing app, regional, national and even for a global ride-sharing app,

    • Money

Typically if you drive as a full-time driver, you can expect to take home $750 a week as shared by this article published in Pennyhoarder. But the total amount you can take home depends on your ability to put in more hours.

B. Delivery

You make money doing delivery whenever you want, whatever you want and make $20 or more an hour. You can focus your delivery attention to food, packages, industrial supplies, furniture. The list is endless. Or you can do a mix of everything.  You can deliver locally, regionally, and even nationally if you believe you have availability.

    • Eligibility
  • You must be at least 18 years old, or 21 if delivery alcohol
  • Valid driver’s license if a vehicle is required
  • Working smartphone
  • Pass a background check
  • In some cases, a minimum level of experience will be required.
    • Schedule

You can work days, nights, weekends, after work, before work, during your break, on your way for grocery, on your way to a dentist or on your way to an appointment. It is up to you.

    • Key questions:

Because the market is in high demand, you need to choose which delivery best works for you. Look into factors like:

  • The kind of delivery you are comfortable doing
  • Assess your availability
  • Analyze the area where you live
  • Decide whether you want to long haul or short-haul.
  • How much is the service paying you
    • Money

Normally, you can expect to take home at least $20 an hour. But the total amount you can take home depends on your ability to put in more hours. The type of delivery you are doing also play a big role. For example, if you register as an independent delivery contractor to delivery sensitive products for the healthcare industry. You will make more money.

C. Renting your car

Buying a car is certainly a great investment but it is also one of the most annoying. That is because you will tight money in an asset that will be sitting there. While you are not actively using them. Similar to the opportunity given to homeowners to rent out their unused space in their property by renting them out. You can do the same with a car.

Turo is definitely one of the most active in the market. This service uses the same model such as Airbnb but for cars. Nonetheless, the car needs to be from 2005 or newer, have a clean title and have less than 130,000 miles on it. The best part on the company website you can input some basics and find out how much money you can earn.

Another alternative model is Getaround. The company allows you to rent out your parked car. You can not only avoid parking lot fees but even make some money. Getaround covers insurance, vets renters and installs a device that lets people get into your car. Obviously how much money you can take home depends how nice your car is.

Finally, they are a group of people that miss the car aged requirement to either join a ride-sharing service such as Uber or Lyft. This service let you rent your car out to Uber or lyft drivers. The service is called Hyrecar.

Make money with your car additional opportunities


D. Drive people around

Some people need help drive around either because they are too old, too young or have a sort of disability. Companies like eldercare can help you find those opportunities.

    • Eligibility
  • You must be at least 18 years old, or 21 years old.
  • Valid driver’s license
  • Working smartphone
  • Pass a background check
  • In some cases, a minimum level of experience will be required.
  • Additional information might be required depending on the company.

f. Carpool to work

Some cities will now pay you for sharing a ride with a friend or a coworker. The trend is gaining momentum across the country as a result of traffic congestion and pollution. Depending on where you are you can make up $130 over 90 day period. In addition, to making money, carpooling has numerous advantages. Learn more

G. Put ads on your car

This is a great passive income. All you have to do is to let companies display on your car. Then you drive through your normal route each day. Although to qualify you need to drive regularly in areas in high traffic. Check out opportunities from companies such as Carvertise. The money you will make will depend on the terms and conditions of the company.


However, before you jump-start find out if peer to peer car business model is good for you.

Advantages :

  • Earn passive income: List your car, set your hours, price and conditions. Then wait for a person to contact you.
  • Community-centered: Because some people will rent your car to do a ride-sharing or logistic business, they will earn money and you will earn money. It is a win-win.
  • Off-set your car payment: The revenue can help you pay back your car payment.
  • Facile: No effort required.


  • GM: General Motors
  • Independent contractors: is a person or entity contracted to perform work for—or provide services to—another entity as a nonemployee. As a result, independent contractors must pay their own Social Security and Medicare taxes.
  • Carpooling: The activity of making a regular journey in a single car with one or many people


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How to set up an investment club

An investment club is a group of people who pool their money to make investments. Join or creating an investment club could be the single best decision of your entire life.  The group decides to buy or sell based on a majority vote of the members. Club meetings may be educational and each member may actively participate in investment decisions. Nevertheless, as it is with all community-centered program, finding people who you trust is paramount.

Join or creating an investment club could be the single best decision of your entire life


Investments clubs can be compared to mutual funds, which are investment securities that enable investors to pool their money together into one professionally managed investment. However, with investment clubs, the members of the club invest their own money and act as the management team. They are both manager and investor at the same time.

If you have a couple of dollars lying around every month, joining or creating a club could be a viable option to leverage that resource. Yet, you can start with a minuscule amount like $10.

Forming or Joining an Investment Club

  • Form a legal entity, such as a partnership or Limited Liability Company (LLC). So financial contributions can follow standard accounting rules.
  • There’s no real minimum or legal limit for the investment club membership but one club usually consists of 10 to 20 members.
  • To join the investment club, a new member will usually contribute a lump sum, then pay a pre-agreed amount, every time they meet.
  • Members will normally meet periodically, such as once per month, to discuss investment opportunities and which, if any, securities should be bought or sold. In addition to exploring investment opportunities, members will use the meeting to discuss general mater of interest.
  • It is highly recommended to work with an established investment professional or a brokerage firm.
  • Finally, the investment club should have a lawyer.
  • Always make sure you have absolute trust in all members. Do your reach and eventually hire a professional to get a better assessment of all members.

Advantages of setting up or joining an investment club.

  • Growing wealth: The club is a wonderful way to grow your wealth.
  • Social connection: It is a great way to create and reinforce social connection as the members of the club are each liable to one another.
  • Opportunity for all: There is no prior requirement. Literally, everyone could set up or join a club.
  • You get to do some investments that otherwise you will never do yourself.
  • Education and knowledge sharing is one of the best benefits.
  • Investment clubs are recognized by the Securities and Exchange Commission.


SEC: Securities and Exchange Commission,

The U.S. Securities and Exchange Commission (SEC) is an independent federal government agency responsible for protecting investors, maintaining fair and orderly functioning of the securities markets, and facilitating capital formation. It was created by Congress in 1934 as the first federal regulator of the securities markets. The SEC promotes full public disclosure, protects investors against fraudulent and manipulative practices in the market, and monitors corporate takeover actions in the United States.


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What is Grocery Group Buying?

Grocery Group buying, works like any group buying program. In essence, the model combine the purchasing buying power of many to get up 50% discount for all your produce. However, the deal usually have a limited time.


Takeaways : The program is a great way to save big on your grocery budget. But you need genuine people to join your program. You can start one with your family members, roommates, neighbors, or close friends.
Advantages of setting up or joining a Grocery Group buying program:
  • Savings : You can save up to 50% on your grocery budget, it can go up to 80% if you have a very high volume.
  • Social connection : It is a great way to create social connection.

What is a lending club and how does it work ?

Lending clubs also refers to lending circles are networks of people who borrow money from each other on a rotating basis.  Yet each member pays the loan back on a rotation base. The loan is interest-free and can sometimes represent a very healthy amount. Specifically when the circle is very strong. As a result, it helps their members buy cars, make down payment for a house or completely pay for the house, pay tuition fees and run businesses.


Lending clubs build financial inclusiveness and foster economic empowerment. In addition, they are thriving among immigrant communities. That is because generally those communities typically find themselves shot out from the traditional social system. However, because the model is entirely based on trust, members are carefully vetted and in some case, you must be co-sponsored or referred by an already member to join.

When to join a lending club?

Typically before you join a lending club, numerous steps have to be done.

  •  Have a goal: This is probably the most important aspect of the lending club. As a new member, they want to know what your goals are. You can join to help you buy a house, a car or to prepare for a vacation.
  • Members of the lending club: Never join a lending club if you don’t know anybody. Exceptionally you can pass through an agency. But make sure you trust and know each member very well. That is because you are building a strong community and relationship. If necessary do a thorough background check without any complaisance.
  •  How much is the minimum periodic contribution: The minimum period contribution is the amount of money you are supposed to contribute at every meeting.
  • Find out how many people: You need to know how many people are in the circle and appreciate the extent of your engagement.
  • The meeting period: This information is critical because it is associated with your commitment. Indeed at every meeting, you have to contribute the minimum amount required, be present. Also if you are the host depending on the type of program you might have to host all members.
  • Rules and regulations: it is important to read, understand and appropriate yourself with all the rules and regulations that govern the circle and how do you fit in?

Advantages of Lending circle:

  • Build wealth: Lending circles are not exclusively for people with no access to financial services.  In fact, most successful businessmen and women are all part of a Trusted lending circle.
  • Raising fund: The programs are a great way to raise zero interest rate fund hassle-free. Lending circles collect and lend from a hundred to thousands per day.
  • Empower communities: They help build, rebuild and improve communities because all members have the same motive and nobody is left behind.
  • Financial inclusion: The service provides banking services to people often shut out of the financial system because of bad credit or no credit. In addition, the program helps improves their credit score by reporting to the 3 major credit bureaus.

Inconvenient of a lending circle:

Like any venture, it comes with some drawbacks.

  • Lost of your money: if you happen to join a program with people who are not trustworthy. Everything you put in can be lost. You might lose a really big amount of money.
  • Untrustworthy people: depending on the power of the circle, people can really bring you a lot of trouble. Because you are essentially inviting them to your house.

How it works

  • The lending circle is formed between a group of people. The number is not set stone and it depends on the members.
  • The loan amount also depends on the members, there is no minimum amount. The members decide based on the quality of the members.

Case study:

  • Number of members: 4 people
  • Profile: all family members and relatives
  • Amount: $500 every month
  • Circle:  Every 4 months a specific person goes with $1500  that is $6000 per year. That is a loan giving away at 0%.



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How to buy nothing

Save money buy nothing more than a mantra is among our top priorities. But finding opportunities to do so could be hard. As a result, gift economy movements and communities can provide great relief. Hence, the buying nothing project is one of those communities. Its members are tight by shared beliefs and driven by the desire to reduce waste and limit their exposure to the consumer society we live in. Started a couple of years ago the project is gaining momentum across the globe.

It is a Social Movement Promoting Gratitude, Connection & Community. Everything is free. Learn more about the initiative by watching Jamie Carbaugh.


The initiatives offer a meaningful way to build strong communities where people can give and receive, share, lend and express gratitude. Thus reducing the need for buying. Save money buy nothing is easy said than done. But if done right it can yield great benefits.

Advantages of saving money buy nothing movement:

  • Building connection: By joining the movement, you make great connections, know your neighbor more and leverage the power of the community.
  • Free: Everything is absolutely, totally free and you can find anything. Just imagine how much money you can save every year.
  • Social good: Some people in need of things they can’t afford, will appreciate the project. Consequently, the movement facilitates access to a large variety of products and services.
  • Waste reduction: The amount of waste we throw away is ridiculous. By giving them to others we reduce our environmental impact and give a second life to those products.
  • Food: This is one of the best value of the project. The members donate excess food or crops available.

How to join the movement?

To join the project simply check the website: https://buynothingproject.org/ or check on social media notably Facebook to find out if there any group near you.

How 6 People Bought a House

Buying a house is very expensive. Consequently, very few people can afford to be homeowners. However, community ownership or co-buying could be a credible alternative. In this video, 6 people leveraged the power of their community to buy their dream house in their dream city.


The concept definitely comes with some challenges but if done right with the right people, the advantages are enormous. Moreover, the option is probably one of the last chances many have left to be a homeowner.

Advantages of co-buying a property:

  • Loan eligibility: One of the biggest advantages of co-owning a property is that it increases loan eligibility.
  • Loan repayments: It is easier to repay the loan if there are two people or more paying off.
  • Tax Benefits: In order to claim tax benefits all-owners must apply for a joint home loan to claim a deduction.
  • Savings: The down payment is less
  • Wider Choice of Homes: When you pool your cash with a friend or family member, you’ll find that your options for where you can live increase considerably.
  • A good way to build wealth: If the operation is successful it would enable co-buyers to build up home equity and possibly expand the operation to other properties.
  • Shared expenses: Monthly utility bills, annual taxes, and insurance payments, and maintenance costs among other bills are all shared.
  • Fight loneliness: Socially provided you all get along well, you will always have someone to hang out with and provides support.

The math:

You want to live in a good and safe neighborhood. Trendy with social activities and positive vibes.

  1. Cost:
  • The property will cost you a fortune
  • Down payment
  • Mortgage Fees
  • Home maintenance fees
  • Home remodeling and renovation to provide privacy to all. For example multiple exit doors and private bathrooms.
  1. Savings: a conservative approach
  • Shared bills
  • Home equity can soar because of the location of the property, thus providing some loan equity to all.

Total savings: 50%

Learn more :