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Everyone wants to earn a good income. Might be you are looking for a new home or you want to buy a new car, you definitely need some more money every now and then. With a few adjustments to your lifestyle and your finances, you will be able to increase the amount of money you bring in every month and maintain a healthy income, so that you are able to fulfill your dreams faster.

1. Talk to your employer for a raise:
This is one of the easiest ways to get more money for the same work that you do. Several companies give small increments say 10 to 11% every year to their employees, which might be very low as per the requirements and the expenses. So it is always a good idea to have a talk with your employer or HR Team for a better hike in your performance year.

However, you may have to do a bit of research yourself and find out what the hike is given by other companies in your industry and also if your work explains or justifies the hike you want. I remember getting a minimum of a 10% hike every year, even though other companies in my industry were giving a 25% hike even to the new joiners, and I was a top performer. 

Therefore, I used to have a talk with my management and HR Team about the hike, and they used to increase the percentage to one or two points. It wasn't much but even small amounts matter when you are trying to make a living out of your paycheck.

2. Work as a freelancer:
If your work is not going to give you much return, then consider working as a freelancer by selling your skills and talents. Take odd jobs for family or friends that will add funds to your bank account. Remember that every penny you earn is one more dollar towards your overall income.

For example, you can try driving your car as a taxi at night for people going to airports. Airports are far away from cities and people require taxi or cab drivers that are available at odd hours for airport pickup and drop. This is a considerable way to supplement your job. You can even increase your income by working on weekends and driving cars to get some more income to fulfill your dreams.

3. Start a Side Business:
If you have good skills you can channel them into a viable side business. This could be as simple as cooking or gardening or even writing as a freelancer for companies. In our society, there are some ladies, that provide services like;

• Ironing of Clothes
• Selling of Food Batters like Pancakes or Dosa batters
• Selling of Tiffens/Lunch and Dinner Services, etc

4. Create Sources of Passive Income:
Passive Income Sources are those sources, that require some initial effort and provide regular income after some time. These income sources might not seem effective during the initial days because the effort to create a passive income stream is really hard, but once it is set up, you can enjoy your life without any tension of money.

For example, start a blog or youtube channel. This way you can share information, articles, and videos and get rewarded as money. Some people around the world are making good amounts of money using this method, but it requires initial investment to set up a blog and publish articles on a daily basis and then these streams help you make money, and that too isn't guaranteed.

Well, nothing is guaranteed if you haven't started working. If you work then at least you have some hope, but if you don't start, then you won't get anything and that's or sure.

5. Consider investing in rental property:
Consider investing in a rental property, preferably several multifamily units rather than one single-family home. Though a rental property can be a large upfront investment, the potential income generated from this investment could be substantial. Ask a friend or business partner to invest with you in a rental property and create passive income to supplement your existing income.

6. Start cutting down your expenses:
It is rightly said, "A penny saved is a penny earned", and that stands true even today.

If you are renting a luxurious apartment that is taking 50% of your take-home salary, then consider cutting down by moving to s a smaller rental apartment. Or if you have some subscriptions online, then consider getting rid of them. For example, I don't buy things online regularly so I have just removed Amazon Prime from my account, and also got rid of Netflix as those cost me my time and money on a regular basis.

Focus on stacking savings on top of one another to add up to a large amount of money saved. This means embracing a frugal and not spending money when you do not need to.

7. Invest in a good Health Insurance:
This is one of the most important parts of your saving journey so that you can increase your income. These days healthcare services are so expensive that one trip to hospital can make you broke. Therefore, always consider having Good Health Insurance which provides cashless mechanisms.

This is important to ensure that when you need medical emergency services, then you are not in any trouble from the money front, and after the medical treatment is over, then you should not become broke and enjoy your life as you were doing before the medical treatment.

8. Exercise Regularly and Eat Healthy:
Now this is one of the important steps as well because if you are healthy and fell sick less, in that case, you are able to save a lot more money and as you know anything that you save is an add-on to your take-home salary. Therefore, always exercise on a regular basis and eat healthy food.

For example, you can ensure that you walk at least 10,000 steps every single day and do some weight lifting exercise to keep yourself fit for life.

9. Take a bicycle or walk to work:
One of the biggest expenses is likely your car. Form the car itself to its maintenance and insurance, it can bring big expenses. When possible, bike to work or to run errands rather than pay to fill up your gas take and using your car. Walking will also keep you fit for a longer time and hence you will have less medical expenses.

10. Have a do it yourself lifestyle:
A do it yourself lifestyle means that you take care of your things yourself. For example, if you have to renovate your home, consider working on your home yourself rather than outsourcing painting and decoration work.

This can be a big time expense saver for you because home renovations and other tasks like maintenance might be a big expense loop holes to get rid of.

Conclusion:
Increasing your income might seem a bit of work, but once you are able to do so and earn some more cash, then you will be able to save big time and achieve your goals, which will motivate you to become a better person by utilizing your money in a better way. If you follow above steps, you should be able to save some money for your leisure and to fulfill your dreams fast.

Jammu is a city in the Jammu and Kashmir UT in India.

It is one of the few places where you will find several temples and also scenic beauty. Although Kashmir has always been one of the attractions of Jammu and Kashmir region, still there are several places in Jammu that are scenic and beautiful.

People from different parts of India come to Jammu specifically for Mata Vaishno Devi, which makes it one of the popular religious tourist destinations, and they usually also visit places like Patnitop & Nathatop, which are at a bit higher altitude because of which tourists are also able to see snow.

As most of the southern regions of India don't see much snow and cold during winters, people from southern regions come to Jammu and Kashmir region to spend their vacation time in this part of India.

Is there any terrorism in Jammu?
Several people who want to visit Jammu and Kashmir, usually ask me if there is any terrorism in Jammu as such. To every one of you who wants to visit Jammu, there is no terrorism in Jammu City and other adjoining cities or districts, and usually, the place is more secure than any other border state in India.

Still, terrorism is a global issue and borders are close, there may be some infiltration but most of the time it is a safe place for any tourist.

You can even be standing on a bus or train station at around 3 or 4 AM and no one will touch you. Even the language is similar to Punjabi, and most people like to speak Hindi as well if there is someone from another part of India to guide them. But it is always a better idea to have some local contacts wherever you go.

The purpose of writing the above paragraph was to let you know that Jammu is as safe as any place in India, and you should not be afraid to visit. I have several of my relatives and friends from other states that visit the Jammu region every year to visit Mata Vaishno Devi Temple and explore other parts of Jammu as well.

What all places are there to visit in Jammu?
Most of the time people that visit Jammu and Kashmir, go for Mata Vaishno Devi Temple, but there are several different places that you can explore in the Jammu region. Below is a list of places where you can visit in Jammu:

1. Shiv Khodi
2. Siyad Baba Waterfall
3. Swarg Ashram in Talwara
4. Patnitop
5. Nathatop
6. Aap Shambhu Temple
7. Raghunath Temple
8. Bagh-E-Bahu
9. Bahu Fort
10. Aquarium at Bagh-E-Bahu
11. Hanuman Temple at Rehari
12. Jaggar Kotli
13. Sulla Park
14. Mansar Lake
15. Hill Sides around Kotbalwal
16. Salal Dam Project
17. City Market

There are several other places also that I will be adding to the above list, and most of the places are nearby Jammu. Although these might not be exactly in Jammu but places like Reasi and other districts.

Still, most people are unaware of these places and always end up in well-known places, which are always crowded. 

It is also good to have a local person with you that can take you to these places, and you can also do shopping in the City Market. I will try to mention areas where you can shop for awesome items and clothes.

From my childhood we used to go to the same market for buying our clothes may be school or party wear. Also, you will be able to find several dry fruit shops nearby the Raghunath Temple that you can explore.

So, what is it like to live in Jammu?
Jammu is a beautiful place, and maybe because of the need for more development it looks a bit old, but for people like me that have grown up in areas of Jammu and surrounding cities, it is one of the best places to be in.

During summer, Jammu is really hot, so it is always better to go there after August or September when the weather starts becoming a bit cool.

I love the weather in Jammu after August, we are able to see the chillness of winds like nowhere in India and are also able to enjoy those small lanes and roads where I used to walk to go for tuition.

You will also love the simplicity of the town and will be able to enjoy the weather as well.

Having said that living in Jammu is like living in the past and in Nostalgia when we had our independent houses that we used to explore in our childhood. Also, walking in the morning at Jammu is a great experience. You usually don't see the same monotonous streets. You see several ups and downs on the roads because of which you are able to exercise your legs in a better way.

Also, the facilities in Jammu are good, like any other city, although there used to be electricity cuts when I was a kid. We used to have electricity for 4 hours and then there used to be a cut for 2 hours. I think the infrastructure has improved, still, there are some times when electricity cuts happen, so most of us have invertor at our homes.

Voltage fluctuations are normal, so we usually have huge voltage stabilizers at our home and our fridges and ACs also have stabilizers attached to them.

The education system in Jammu is also good, and most of the schools and colleges are having good faculties that helped us in becoming what we are today, still, improvements can be made, and I am not sure if the same is being followed after I completed my 10+2.

Talking about food, initially, it was only about panipuri that was famous, but these days I am able to see several restaurants and dhabas also opened and do sell momos and spring rolls.

Jammu also is famous for Kandur Wans, which are typical Kashmiri Bakery Outlets, that are famous among Kashmiri Pandits. You should definitely try the breads that are baked in those outlets.

As a normal life of Kashmiri Pandits in Jammu, we used to take our bags and used to buy Bread two times a day. For breakfast and for evening tea as well. I used to love Katlam and Telwor during evening tea.

There are different types of bread that are being sold in those outlets like;

1. Kulcha
2. Telwor
3. Katlam
4. Choch
5. Gird
6. Khatai
7. Lavas
8. Bagirkhani
9. Tak Tich
10. Roth

These were some of the bread that I remember right now. I will try to add some more as soon as I remember them. Khatain out of those was the favorite of several kids as those were sweet cookies like, but big in size.

So if you are living in Jammu, you will also love to relish these breads at least 2 times a day.

It also depends on which area of Jammu are you residing in because if you are more towards Janipr, Durga Nagar, Muthi, and Bantalab, then you will have more Kashmiri Pandits, having said that you will also be able to find more shops that cater to our community.

When you go more toward Bantalab, Akhnoor, or Kot Balwal, then you will find more open lands and areas with lush green surroundings. It is more like being in a countryside area.

Most houses are huge with private gardens which are usually used by kids to play sports. This is mostly because the apartment system is not that famous in those parts of Jammu and new apartments have just started coming. Also, because there is less exposure to industries like IT or Cosmetics, therefore for employment most of the youth of Jammu is now moving towards others.

I also started my career in Chandigarh then moved to Pune for higher studies and now settled in Hyderabad.

But I usually think of gaining good experience and moving back to Jammu to live a more leisure life. Although hard work is more in terms of electricity and water, still living in a place like Jammu has its own perks.

You feel more connected to nature and also the culture that surrounds you. You feel as if the whole city is your neighborhood, because Jammu city is not that big, still if you have a nack for exploring surrounding areas, then it is one of the most unexplored areas in India.

If you own a large farmhouse in Jammu, you can easily make good money through the tourism industry especially in the winter season, because during winter Jammu is one of the best places to explore.

As Jammu is comparatively a small city, therefore, most of the people you see are always there. You will be able to recognize everyone in the city once you start living there and everyone will know that you exist. It's not like a big metro city where you will not see your friend the next day you travel. You are bound to bump into each other in Jammu no matter what, and this is amazing because you start having trust in the people you see on a daily basis, and this in turn creates a more humble relation with each other.

When you go to tuition, or school, and then college, you end up seeing everyone every day and you are also traveling in the same buses every single day. Those buses or matadors are always taking their time for a few more passengers and you can even ask the driver to wait as your friend is coming from his home, and they will wait indeed.

It's not like other cities, where time is a constriant. We know that we will have to take some time in advance because the transport especially the intracity buses or matadors move as per their own convenience. Although you can ask the driver or conductor to drive fast if you are getting really late and they usually oblige as well.

Sometimes back when I used to travel to tuition and school, we even used to stand on the back of buses on the railings because the busses used to be full inside and there was no other space to stand. So, we used to climb on the stairs at the back of the matador or bus and wait there until the bus stops because we cannot shout and tell the conductor or driver to stop the bus.

But I believe now it is illegal to do so, as there would have been some accidents also, still, it was a fun part as we were young and it was not considered taboo in Jammu City. This was how it was considered to travel in Jammu City as Normal. Let alone the thought of having seat belts in busses or ACs.

When buses used to get stuck in heavy traffic, especially in Janipur Chowk, it was suffocating for me as well. If there was someone from another state, they would faint in those busses because they were cramped with so many people that each one of us had only one leg space to stand.

Travelers were pushed onto buses and the conductor used to climb on the door and kept everyone inside. There were no stops as such and the conductor used to whistle to indicate the driver to stop.

It was kind of effective as well because they were really good in understanding those signals and used to stop correctly anywhere they found space. They would even come to your house as long as it was on main road. :D

Last time I visited Jammu it was still the same, but there were some infrastructure upgrades happening and the roads were more connected to each other. Although there was enough work to be done, but the upgrade of the city was on a pace. 

I bet most of the people who lived in Jammu would be able to connect with the information that is in this blog and maybe able to share similar experiences.

Conclusion;
Jammu is one of the best places to live in India and you should definitely visit this place, but I will recommend you guys to visit it after August or September because before that it is just too hot to deal with the sun.

You can really have a great retro relish in this city of temples and also be able to gain experiences that many of the travelers are not able to do during their trip to Jammu and Kashmir. 

Last but not the least, don't forget to eat Chole Kulche or Kaladi Kulche in Jammu City (Old City) at the Sardar Ji's shop. I will add the address soon. :)

Although you are studying in school, it is always fun to earn while you learn. You can make money in several ways even when you go to school, and it even feels great when you start making money early in life as it teaches you real marketing skills, and how you can use your talents to make a fortune when you study. Below are some of the ideas by which you can make money while you are studying in school.

1. Give your comics or movies on rent:
As a school-going student, you may be having some comics and story books or even movies that you may have watched several times. When I was a kid, I used to get one new movie CD on my birthday, which I used to watch and then those were just part of my collection.

You can rent out those comics or movies to your friends or your neighborhood for cheaper rates. This will help you earn some bucks without even investing anything upfront. You can even keep late fees or rent your comics and movies on a day-to-day basis, and hence you will end up having a constant flow of passive income.

This is awesome because you also learn how to manage inventory. For this, you can use a simple pen and paper to track your clients or can even create a spreadsheet on your laptop.

2. Check the stuff you don't need and sell them:
As a school-going kid, you usually have piles of notebooks or study materials that you may not need because you may have been promoted to new classes. You may even have clothes or some items that are of no use to you. In that case, you can sell them at a cheaper rate, which will help some needy students to get hold of those important study materials and you will also earn a few bucks.

Just ensure not to sell something that you may be attached to or your parents may be attached to. You can take permission from your parents before selling your stuff.

3. Create a blog:
Blogs are one of the best ways to build your empire as a student, and that is because as a student, you are always learning something new. Therefore, you can add those details to a blog or website. This may require you to ask for some funding from your parents if you are going for a professional website, or for some time you can also use free blogging websites like thewiki Network.

You can easily register and start writing blogs on your new learnings or your day-to-day experiences. This will be like a guiding star for new generations, as they may also have similar situations like you, and your solutions can help them, hence making their life easy.

To monetize this, you can either set up advertisements or can also write sponsored posts once your blog starts getting good traffic. To get more traffic, you can share your blogs with your friends and connections, and this will also encourage local vendors to connect with you for advertisements.

4. Sell newspapers or cans in scrap:
Usually, households have a lot of newspapers and cans or even glass bottles that get accumulated over time. You can sell those items into scrap and can make a few cents that you can save to buy something in the near future. This is one of the most efficient ways because most countries have scrap buyers in the locality, and you can always take your parent's help in doing so, and they will also be happy to help you.

This is because usually newspapers, plastic bottles, glass, and even cans get thrown into garbage collection bins in apartment or societies, which is not of any value to you, but if you are able to sell them, then you can make a few cents to meet some of your school requirements as well.

5. Take Tuition of Students in Lower Classes than You:
If you feel you are good in any of the subjects, you can take the tuition of the students that are in lower grades or classes for some tuition fee. I used to go for my maths tuition to one of my friends who was good in maths, and for that, he used to charge me around $5 per month, which was reasonable, as it helped me a lot and I was also able to pass the examination with flying colors.

6. If you are good with pets, then work as a pet sitter:
Pet sitting is one of the most underrated jobs. These days in societies and apartment groups, most of the families have pets and they need to take pets for a walk. If you love dogs, you can also work as a pet sitter or a dog walker, and this will actually fetch you some good amounts of money.

Also, it will help you make some new furry friends and you will always be happy and healthy as you will also make a habit of walking every day to take dogs for a walk.

7. Car Cleaning Services:
These days, car cleaning services have sky rocketed, and hence you can come to the rescue. You can advertise in your local groups that you can clean some cars in the morning or evening time for a set amount of money, and people usually are happy to pay a few dollars to get their cars cleaned on a daily basis. This will not earn you a lot of money, but at least you will have something for yourself and you will also be strong as it takes a bit of hard work to clean cars.

8. Check in your school for any open positions:
Schools usually have activity clubs or editorial boards, where they usually take students. You can apply for those positions and that can also help you make some money while you learn new things in your day to day life.

Someone has rightly said, saving a penny is equivalent to earning a penny.

So you can always try to save some money by;

• Shopping on discount - You can go to stores that offer good discounts, or can even look for coupons and promo codes online. This will again help you save some bucks every month.
• Open a Savings Account - If you already have some money or if you get some pocket money, then you should open a savings account, as banks provide some interest on your savings also. So if you have some money, you can actually make some interest on the save while it is kept in your savings account. It is not much, but it is still enough to get a new pen every month.
• Having a piggie bank - Piggie Banks are one of the best tools to save the coins and extra change that seem worthless and may fall down. So, what I usually do is that, I always put my change and coins in my piggie bank and after a few months when it is full, then I break it down and take all that money to buy the things that I want or I simply add them to my savings account to earn more interest.

Conslucion:
There are several ways by which you can make money as a student, you just need to figure out ways by which you can sell or market a service or product. This will eventually help you in making some money and also enhance your interpersonal and marketing skills, which is a mandate for most of the jobs these days.