Digital Courses That Are Worth the Investment | My Debt Epiphany (2024)

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Over the past few years, I’ve taken quite a few digital courses. I love learning new things. Most importantly, I love learning from people who have been in my shoes, reached the goals I want to reach, and have achieved stellar results.

When I first started this blog and began my financial journey, I resolved that I would reach out to more people for help and learn from them. I’m usually a pretty introverted person and in the past, I hated asking people for help.

Ever since I got rid of that limiting mindset, I’ve been able to grow and flourish. The best thing I ever did when I got started was getting a mentor for my side hustle. Mentors and one-on-one coaching can be great for accountability, but it’s also usually more expensive.

A cheaper option that is still just as effective, is buying digital courses. Some courses even come with bonuses like one-on-one coaching. Nevertheless, a quality digital course can be just what you need to get out of a rut, start making progress, and hit your goals.

Here are some of my favorite digital courses that are worth the investment.

Table of Contents

Personal Finance

Love Your Budget

Time for a shameless plug! Seriously though, if you struggle with budgeting and trying to manage your money, this course is for you. If you feel like you’re stuck financially even if you’re making a decent income, this course is for you.

I created Love Your Budgetbecause I saw a need in the personal finance community that was not being fulfilled.With 5+ hours of video content, a downloadable course workbook, coaching, bonus worksheets, and step-by-step instructions, you’ll learn how to create a realistic budget that you love and can stick to while living comfortably.

Aside from creating a budget, you can enjoy sticking to, this course will also show you how to use your budget as a tool to help you save more and make more. Learn more about Love Your Budget here.

For Bloggers

Start a Money-Making Blog in 10 Days

This is my free course for new or current bloggers looking to monetize their blog. If you’re going to blog for a hobby, you can totally do that. However, you can also make money with your blog too. I know several bloggers who are full-time.

In my free 10-day email course, I show you how to start a blog the right way, product quality content, get more traffic and implement different proven monetization strategies.

I also share my top resources that have allowed me to make money blogging over the years. Blogging has truly been a blessing because it allows me to do what I love and still earn an income to support my family.

Since I launched this email course last year, my blogging income has grown so I’m thinking about creating another course about how to scale your blog income and take it to the next level. You can sign up for my free course here and stay tuned for updates!

Making Sense of Affiliate Marketing

One of the best ways to make money with blogging is through affiliate marketing. It’s hard work upfrontbut can become a semi-passive income stream if you do it the right one.

One person who’s an expert at affiliate marketing is Michelle from the blog Making Sense of Cents. She has been blogging since 2011 and earned $1 million from her blog last year. It’s been verified that Michelle earns anywhere from $40,000 to $50,000 per month in affiliate income alone (check out her latest income report here). That’s more than I used to make in one year.

The value definitely exceeds the price of the course and I’ve never heard a bad review on it since it’s been released.

Learn more about Making Sense of Affiliate Marketing here.

Flourish with Facebook Ads

Using Facebook ads is one of the best ways to market your blog whether you’re looking to gain more traffic promote, build your email list, or even sell a product. I took Flourish with Facebook Ads when it first came out and now I’m retaking it so I can step my Facebook Ads game up.

I love this course because it demystifies Facebook ads for bloggers who aren’t experts in technology and marketing like me. I struggled so much with just figuring out how to add the Facebook pixel to my site before taking this course.

I love how straight-forward the lessons are along with the worksheets and screenshots to help guide you. Monica’s Facebook group for students is also super helpful.

Check out Flourish with Facebook Ads here.

For Side Hustlers

Earn More Writing

Freelance writing has changed my life and took me from low-income and struggling to student loan debt-free and thriving. One thing that shocked me, in the beginning, was how much freelance writers can make.

Growing up, people always told me that I couldn’t make any money writing and it was more of a starving artist profession. After college, I figured I’d have to settle for $30,000/year at the local paper.

Thankfully, I started this blog and started exploring freelance writing. One person I’ve been inspired by is Holly Johnson. She writes for a living, travels the world with her family, and makes good money on her own terms.

In her course, Earn More Writing, Holly teaches students how she went from $0 to $225,000/year as a freelance writer. Again, if someone who’s super successful and legit offers to teach you their secrets, take them up on the offer. Holly has helped many writers grow their income and improve their lives through this course. Learn more about it here.

Related: 22+ Websites that Pay Writers For Guest Posts

Become a Pinterest VA Today

Become a Pinterest VA Todaywas created by Kristin Larsen and Gina Horkey who are two of the most successful virtual assistants I’ve ever come across. This course only opens up a few times per year, but it’s well worth the investment if you want to make money helping people with Pinterest.

This course gives you EVERYTHING you need to start your own Pinterest VA business on a part-time or full-time basis. You can check out my interview with a Pinterest VA who makes $1,200/month here.

Click here to learn more about the course and see if it’s right for you.

Make Money in Your Spare Time With eBay

Have you ever thought about selling items on eBay for extra money? This is something my friend Jason does and he’s been very successful with it.

Jason has been able to make a minimum of $400 per month selling things on eBay over the past two years while only working 6-7 hours per week. That’s a consistent extra $4,800 per year.

If you’ve ever thought about selling on eBay but didn’t know where to start, this course will help you get up to speed and start making money fast.

Learn more about it here.

$10k VA

I fell into VA work after starting this blog and getting into freelancing. I have a few clients and now earn a few thousand dollars a month from my virtual assistant services. For all 3 of my VA clients, I edit and schedule blog posts and for one I also schedule social media posts but you can choose to offer whatever services you want.

One person who’s been killing it as a virtual assistant these past few years is my friend Kayla. If you’re a longtime reader of this blog, you’ll know I used to podcast with Kayla and she’s one of my first blog friends.

I’ve watched Kayla quit her job to grow her virtual assistant business, pay down a ton of debt, and start earning 5 figures per month. That’s right, VA work is definitely work, but it’s scalable and you can make $10,000 per month if you want to.

That’s what Kayla teaches people to do in her course, $10k VA. Her course teaches you how to fast track your way to VA success including everything from getting started and pricing your services to gaining clients and creating an efficient schedule and system for your business.

Related:Side Hustles Explored: How to Become a Virtual Assistant

Digital Courses That Are Worth the Investment | My Debt Epiphany (1)

When It Makes Sense to Buy a Digital Course

Digital courses have been rising in popularity in recent years. It seems like everyone has one and there is literally a course on everything. To me, digital courses are a relatively cheap way to learn something new in comparison to tuition rates at local colleges or universities.

Some digital courses have helped me earn thousands extra each year. Others have improved my life in other ways. If you’re thinking about taking a digital course, I’d highly recommend you make sure:

  • You’re willing to go through it in the next 30 – 60 days. You don’t have to finish it in this time but you should at least start it and be actively taking it.
  • You’re committed to completing all the action steps and homework the course assigns
  • You know what type of ROI you wish to receive from the course

When It Makes Sense to Not Buy a Digital Course

While I love digital courses, I don’t think they’re always a good option for everyone. I wouldn’t recommend taking a digital course if you’re:

  • Buying impulsively. Some people buy course after course just for fun and don’t even soak in the material. Before buying a course, read through the sales page in full, check out reviews, look at the curriculum and even sleep on it. You want to make sure you’re buying the course for the right reasons and not just emotional impulses.
  • Not willing to do the work. If you’re willing to sit down and spend time working through the course, you’re not going to get any results and it will be a waste of money.
  • Playing around with the idea of getting into debt. I personally wouldn’t buy a course if it were going to put me in debt. Every course I bought has been paid for with cash. I’ve also bought some pretty expensive courses for my business (some totaling more than $2,000). My opinion is that if you really want to take the course, you’ll find a way to pay for it even if it means you have to move bills around or save up for the next launch.

What are your thoughts on digital courses? Have you heard of any of these from my list? Let me know in the comments!

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Digital Courses That Are Worth the Investment | My Debt Epiphany (2)

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Digital Courses That Are Worth the Investment | My Debt Epiphany (2024)

FAQs

How do I get out of debt and invest? ›

Getting out of debt can put you in better financial health and open more opportunities.
  1. Understand Your Debt. ...
  2. Plan a Repayment Strategy. ...
  3. Understand Your Credit History. ...
  4. Make Adjustments to Debt. ...
  5. Increase Payments. ...
  6. Reduce Expenses. ...
  7. Consult a Professional Financial Advisor. ...
  8. Negotiate with Lenders.

How do I get out of enormous debt? ›

If you're ready to get out of debt, start with the following steps.
  1. Pay more than the minimum payment. Go through your budget and decide how much extra you can put toward your debt. ...
  2. Try the debt snowball. ...
  3. Refinance debt. ...
  4. Commit windfalls to debt. ...
  5. Settle for less than you owe. ...
  6. Re-examine your budget.
Dec 6, 2023

How can I get out of debt smartly? ›

Pay off your debt and save on interest by paying more than the minimum every month. The key is to make extra payments consistently so you can pay off your loan more quickly. Some lenders allow you to make an extra payment each month specifying that each extra payment goes toward the principal.

How do you learn to use debt to get rich? ›

Strategies for Building Wealth with Debt
  1. Know your credit score. This is a wise place to start. ...
  2. Analyze your cash flow and long-term goals. ...
  3. Pay off high-interest debts first. ...
  4. Take advantage of various debt-use strategies. ...
  5. Develop an effective investment strategy. ...
  6. Diversify your investment portfolio.
Aug 3, 2023

What is the 50 30 20 rule? ›

Those will become part of your budget. The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes money you will need to realize your future goals.

What are the three biggest strategies for paying down debt? ›

Decide which debt-repayment method is best for you — the snowball method, the avalanche method, or debt consolidation. Establish a budget to determine how much money you'll allocate to repaying debt each month. A debt repayment calculator can help you plan your payments.

How do I get out of debt with no money? ›

How to get out of debt when you have no money
  1. Step 1: Stop taking on new debt. ...
  2. Step 2: Determine how much you owe. ...
  3. Step 3: Create a budget. ...
  4. Step 4: Pay off the smallest debts first. ...
  5. Step 5: Start tackling larger debts. ...
  6. Step 6: Look for ways to earn extra money. ...
  7. Step 7: Boost your credit scores.
Dec 5, 2023

What is the best debt relief program? ›

  • Best for credit card debt: National Debt Relief.
  • Best overall: Money Management International.
  • Best for customized options: Accredited Debt Relief.
  • Best for all unsecured debt types: Americor Debt Relief.
  • Best for customer support: Pacific Debt Relief.
  • Best in availability: Century Support Services.

Does the government offer debt relief? ›

There aren't any free government debt relief programs for credit card or personal loan debt other than bankruptcy. Many types of government debt relief exist in the form of grants and low-interest loans for specific purposes.

How can I get money if I'm struggling? ›

Facing financial hardship
  • Food assistance. ...
  • Unemployment benefits. ...
  • Welfare benefits or Temporary Assistance for Needy Families (TANF) ...
  • Emergency housing assistance. ...
  • Rental assistance. ...
  • Help with utility bills. ...
  • Government home repair assistance programs.

Who is the best debt consolidation company? ›

Summary: Best Debt Consolidation Companies of 2024
CompanyForbes Advisor RatingLearn More CTA text
SoFi®5.0Compare Rates
Upgrade4.9Compare Rates
Happy Money4.4Compare Rates
LendingClub4.4Compare Rates
2 more rows

How do you clear debt you can't afford? ›

An individual voluntary arrangement (IVA) is an alternative to bankruptcy. It is a formal arrangement to pay an agreed amount off your debts over a shorter period, such as five years, or through raising a lump sum. The rest of the balance you owe on those debts which are included in the IVA is written off.

What is the only place you should keep your emergency fund money? ›

Bank or credit union account — If you have an account with a bank or credit union—generally considered one of the safest places to put your money—it might make sense to have a dedicated account where you can keep and maintain these funds.

How to turn debt into an asset? ›

Borrowing to Create Wealth

This is called “gearing.” Providing you invest wisely and your assets increase in value, gearing helps you create wealth, as the income (and capital growth) from the investment pays off the debt and exceeds the costs of servicing that debt. Property or shares are often a good strategy here.

What is your greatest tool to building wealth? ›

Your income is your most important wealth-building tool. And when your money is tied up in monthly debt payments, you're working hard to make everyone else rich.”

Can investing get you out of debt? ›

And as long as you've got part of your paycheck going to student loans, credit cards or car payments, you can't truly build wealth. So, if you're wondering whether to pay off debt or save for the future first, the answer is always pay off your debt. Investing while you're in debt is a zero-sum game.

Is it better to pay off debt then invest? ›

If the interest rate on your debt is 6% or greater, you should generally pay down debt before investing additional dollars toward retirement. This guideline assumes that you've already put away some emergency savings, you've fully captured any employer match, and you've paid off any credit card debt.

Should I be investing if I have debt? ›

Pay off high-interest debt before investing.

There's a big difference between your 5.05% federal student loan and 16.99% to 23.91% credit card debt. High-interest credit card debt costs more over time making it much more difficult to pay off.

How do you pay off debt and build wealth? ›

Here are seven of the best:
  1. Debt Consolidation. Servicing multiple debts is costing you way more than you need to pay in interest and fees. ...
  2. Making your Savings Work Harder. ...
  3. Better Cash-flow Management. ...
  4. Borrowing to Create Wealth. ...
  5. Using Lump Sums Wisely. ...
  6. Debt Recycling. ...
  7. Invest in a Geared Managed Share Fund.

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