#1. Always be aware of how much money you wish to earn
Simply wishing to become rich without having any idea what level of income you actually want hardly makes any sense. Make sure to write down the exact figure. It doesn’t necessarily have to be some astronomical amount of money. Set realistic goals you can achieve, especially early on.#2. Focus on what you want
It’s not enough just to want to earn more while doing other things. You need to actively think about it. The more you do this, the faster you’ll come up with an actual plan on how to make it happen.#3. Write down your ideas
Whenever a money-making idea strikes you, or you read or hear about it somewhere, write it down. After some time, you’ll have a whole list you can go through, revise, and remove irrelevant items in order to pick the best option for you.#4. Master the art of saving up
Make it a rule to split your income across categories. That way you’ll see how much money you need to set aside for basic and secondary expenses, and what portion of what you earn goes toward savings. Analyzing your expenses will put things into perspective for you and reveal what you spend your money on and how you can cut back without having to put your family on a strict financial diet.#5. Learn new things
You can always complete training courses or get a second degree to become a truly irreplaceable employee or even start your own business. The best workers are those who walked the whole path on their own and know all the ins and outs of what they’re dealing with.#6. Monetize your skills
If you have certain skills or expertise, put them to good use. Advise, write books, teach, or create something valuable you can offer, to name just a few. You can be self-employed or partner up with somebody else. There are currently plenty of freelance platforms or coworking opportunities to help you get started.#7. Take a long, hard look at your social circle
Get to know successful people. By interacting with those who made it big, you will subconsciously want to be one of them. Plus, you can learn a lot from them and their hands-on experience while also making some useful acquaintances which can help you further down the line.#8. Keep an eye on the wage levels in your segment
Nowadays, it is not uncommon for two people with the same jobs to have different salaries. Interestingly, the reason for it may have nothing to do with their actual experience and qualifications. It can be simply because one of them agreed to a smaller figure, while the other one was bold enough to negotiate a higher salary.#9. Make money work for you
Invest the money you save up after you get your paycheck every month. As you are dipping your toes into investing, you can try investing smaller amounts in different businesses. This approach will help you figure out what is happening and pick the investment strategy that’s right for you. If you still have no idea where to invest, some of the basic investment options are currencies, real estate, securities, and business.#10. Buy and sell what you know
Everything revolves around demand. You must know what people want and go from there. For instance, if you know what types of wristwatches are in demand, and which ones are rare, buy and sell them. Do you know everything there’s to know about cars? Get into the car business then. This applies to pretty much anything. Stick to these ten rules and you’ll see how your mindset and the way you approach money change. And a year from now, you will already know where to invest and what to do in order to grow your income multifold!Most of these routes end with the same practical question: where does the money from a foreign client actually arrive. A personal IBAN in euro answers it — you give the payer normal bank details instead of asking for workarounds. SharPay opens the account online, and the card to it comes from the same balance.
How to earn more money: four routes that actually work
Advice on making more money usually collapses into slogans. In practice there are only four levers, and each has a different time horizon:
- Earn more per hour. A raise, a change of employer, or a skill that moves you into a better-paid bracket. The fastest route for most people, and the most underused — the market rate for your role is public information.
- Sell more hours. Overtime, freelance work on the side, weekend projects. Immediate, but capped: there are only so many hours, and burnout is a real cost.
- Sell something that is not hours. A product, a course, software, rental of something you already own. Slow to start, then it earns while you sleep.
- Keep more of what you earn. Cutting a recurring cost by 50 EUR a month is worth exactly as much as earning 50 EUR more — and it works from the first month.
The practical part nobody writes about: where the money lands
Any of the four routes ends with a payment that has to arrive somewhere. Two frictions cost real money at that point: currency conversion when the payer is abroad, and fees on incoming transfers. Both are fixable in advance.
A euro account with an IBAN lets a foreign client pay by ordinary bank transfer — incoming SEPA 1 EUR + 0.35 %, account opening 10.00 EUR, maintenance 3.00 EUR a month — and a card on the same balance means the money is spendable without another transfer. Small things, but they apply to every payment for years.