How Not to Go Broke As A Cammodel/Sex Worker: A Mini Guide

[kortneykay]

Budget: Figure out the payment schedule for each site, and aim to make all bills the first 2-3 weeks of each month. By week 4, you should have already secured your earnings and can relax knowing you'll have rent on time by the 1st or 15th. Don't forget to pay yourself, pay your taxes, invest, and save for a rainy day. Your future self will thank you. Financial 'fee'dom!

My budget: I include everything as per my adviser. Please feel free to use it as a base for your own.

If you have $1,800 due in bills, working 5 days a week with a minimum goal of $120 per day, you will have made $1,800 by the 23rd of every month. This will leave you with 2 days off per week, and an extra week off at the end of the month should you choose. $120 a day is doable for everyone if you know how to hustle, and all of your money should be in your account well before the 1st. Also, there's always dailypay.

But bb, iz slowwwww out hurrrr. It's not slow everywhere! If you have the internet and a phone, you can work.


Just. Hustle.: Just do it. It's as simple as that. Log the fuck in, and sit there until you make it. Period. If you're logged into a ton of eggs at once, you will get there. Should you fall behind, camathons, and the 30 day challenge will get you back on track.


Work multiple eggs| Texting$0.17-1.20+) Arousr, Talktome, Chatfunn, dreamlover, sext panther, independent texting, adultwork, phrendly.
Phone Sex: ($0.35-$2.99+) Arousr, talktome, chatfunn, phrendly, adultphonepal, niteflirt, dispatch, direct dial, independent calls, adultwork, etc.

Work smarter, not harder: You can most certainly make as much money phone boning and sexting as you make on cam. If you need time off, just switch it up. I and plenty of bbs have made their daily goals just logging into phone sex and texting sites. Sometimes you just don't feel like camming or you're burnt out which is understandable. Log into 3 texting sites and 3 PSO sites simultaneously and watch the money pile up running errands or lying around the house. It takes very little effort.

Cam: ($1-infinity) Arousr, talktome, chatfunn, niteflirt, streammate, cams, chaturbate, mfc, imlive, adultwork, independent skype shows, cammodeldirectory, skyprivate, etc.

Other: Pic sets ($1+ per pic), affiliate marketing, custom videos ($100+ a pop and can be resold), extralunchmoney, manyvids, clipvia(sp), clips4sale, ebanned, etc. Stripping, bodyrubs, escorting, domination/bdsm, nude modeling, custom audio, custom stories/erotica, panties, socks, used clothing, etc.


Most sites pay weekly. Working several of these sites a few times a week will land you a deposit or a check on several days of the week. Tuesdays(Arsr), Weds (TTM) Friday (SM) Sunday (CMD) with many on dailypay or sent the following day directly to your paxum or first choice debit card.

You can pay your bills on time! You can prevent shut offs, disconnections, and evictions from happening. All that is missing is you. JackAlexander says "Work is like an ATM. You show up, and it spits out cash." Her grandmother says, if you have tits and ass, you shouldn't be broke. It's an every day struggle, but you can do it! You chose to work from home instead of getting a civilian job, so only you can force yourself to show up. Work is like a scratch card. You've already invested, scratch it/show up and you're going to get something, even if it's just $1.

You can have everything you want in this life and are blessed to be able to work from anywhere in the world with a phone and or internet connection. If you don't work, you don't get paid, and that internet/phone will get disconnected causing you to lose your ability to work. Been there, done that, it sucks. Don't let that happen!

ETA: I am not perfect and this isn't meant to be offensive, I just want bbs to avoid going down the dark paths I have previously.

[itsnightlight]

Girl, thank you. I needed to see this today. May the cam gods rain cash on you

[seashell]

I love this. Thanks! I've been hustling my ass off for camming/online work, and this is really motivating.

[MsHoni]

Thanks for the motivation ��

[PlayfulDesire]

There is never no one spending money! Add those eggs and perfect them.


You can find the answers or the excuses. The effort is the same!

[Ca$$4Ca$h]

Thank you so much for posting this!! I have been living paycheck to paycheck for too long. I've only got one "internet" egg and this is something I have wanted to change for a while, but haven't yet. Thank you for the extra boost! Need to get my sexy ass on some new sites and get that $$$

[Scorpio Girl]

Thank you! Need to start seriously researching other eggs than the one site I cam on. Tired of never making ends meet and it's my own fault!

[LadyGodga]

Thank you so much for this! Totally needed all of this just as a reminder. You're amazing.

[Teddy_Bear]

Yes girl preaaaccchhh it all night long! As long as I stick to what you have said above and don't sway from my convictions when it comes to camming I always hit goal. The only time I don't hit goal is... funnily enough when I rage quit and log off early or don't log on at all! If I stick out my shift I hit goal without fail... strange that

[Marina Starr]

Hoe Anthem

🎶 ♬ if you have tits and ass, you shouldn't be broke ♬
♬ if you have tits and ass, you shouldn't be broke ♬
♬🎶 if you have tits and ass, you shouldn't be broke 🎶
♬ if you have tits and ass, you shouldn't be broke ♬

[whirlerz]

Marinaaaahhh!

[JaceyLynn]

Amazing advice. Thank you.

[maddiebabe]

Incredible guide thank you.

Keep in mind that there's a difference between pretax and after tax income. If your bills are $1800/mo that does not mean you can get away with only making $1800 off the camsites. Your camsite money is not taxed- you must pay the IRS directly. So you need to take that $1800 of bills (or w/e your bills are) and come up with a pretax amount of money you need to make to pay your bills.

These rules only apply to American ladies.

You ladies need to pay
FEDERAL https://taxfoundation.org/2017-tax-brackets/
SELF-EMPLOYMENT (social security+medicare) 15.3% https://www.irs.gov/businesses/small...medicare-taxes
STATE income tax(if applicable)
Other misc state business taxes if they apply to you. Research that. My state has a small B&O tax.

So add your federal rate+self employment 15.3+ your state income tax rate (google that yourself)+other misc state taxes if they apply.
So based just on that alone most of you will be taxed at 30.3% minimum at some point. If your monthly NET needed for bills is $1800 you need to see how much you need to make so you can keep at least $1800 after taxes. For simplicity sake I am assuming you are taxed minimally which in many of our cases is not the truth, please adjust your numbers as you see fit- this is just an example. You can plug in your own values, it is very simple.

You go 100-30.3 (whatever govt is raping you out of)= and you get 69.7% which you keep in this example
so now you go and $1800/0.697 and you see that you need to make at least $2583 for the month so you can hold onto $1800 to pay your bills.

Kortney here has the right idea. I am just trying to give you all a reality check on the numbers you need to pull.

DISCLAIMER I'M NOT AN ACCOUNTANT.

[sexysusie]

Best.post.on.here.in.months!!

[LolaLu]

Thanks so much for this. You are awesome. I've got a few eggs but been putting off setting up the PSO profiles. I just need to stop procrastinating

[DIAMONDLOVER]

Thanks!!! This is exactly what I needed to hear!!!

[DIAMONDLOVER]

Hoe Anthem

🎶 ♬ if you have tits and ass, you shouldn't be broke ♬
♬ if you have tits and ass, you shouldn't be broke ♬
♬🎶 if you have tits and ass, you shouldn't be broke 🎶
♬ if you have tits and ass, you shouldn't be broke ♬

OMG I LOLed soooo hard @ this!! I can totally hear that song in my head now 😂😂😂😂

[IvyAdams]

THIS.

[Magical_Hoohah]

To add on to what KK said, I've met a lot of people that don't know how to create a realistic budget. Most likely, your bills aren't the only thing you spend money on and need to take into account. You have shit like food, transportation costs, entertainment costs (netflix, eating out), whatever funds you spend on your pets, child expenses, etc. People tend to either wildly overestimate or (more commonly) severely underestimate how much they spend on things that aren't fixed bills.

You also need to keep in mind periodic expenses, for example if you see your hairdresser irregularly, take your pet to the vet once a year, have to pay yearly property taxes/insurance, have significant fluctuations in your utilities depending on season, or have occasional car/home repairs. You may not need that stuff immediately, but some of it can really add up, so you should ideally have a savings account that you treat like a monthly bill - add something every month, and then you'll have it when one or more of those things comes due.

If you want to take some time to really make a full budget, I recommend sitting down with at least 6 months worth of credit card statements, bank statements, and receipts for cash purchases. Go through every line and classify it into a budget category. An individual bill is what it is, but for things that aren't, try to tell if it was groceries, medication, dog food, clothing, whatever. See over time how much you really spend on things.


Here's an example of the things that are in my budget:

• Fixed bills:
  
  • Mortgage (rent),
  • car payment,
  • health insurance,
  • dental insurance,
  • car insurance,
  • internet,
  • phone bill
• Bills that may change from month to month:
  
  • electric,
  • water,
  • (I don't have gas, but it would go in this category),
  • credit card minimums
• Monthly discretionary spending (I'm going to spend it, but have some control over when and how much I spend):
  
  • groceries,
  • gas for my car (or public transport, if you don't drive),
  • eating out (this could also be lumped in with your groceries or your entertainment budget),
  • entertainment costs (in my case, Netflix, Crunchyroll, video game sub),
  • dog food/treats/toys,
  • medications,
  • lawn care
• Semi-regular non-monthly spending:
  
  • vet bills,
  • out of pocket medical expenses (non-emergency doctor's visits),
  • hair stylist,
  • property taxes/registration on my car,
  • "mandatory" gifts (xmas, birthdays)
• Irregular spending:
  
  • home repairs/furniture/home decor,
  • car repairs,
  • clothes (if you like shopping more than I do, this could be monthly or semi-regular),
  • travel
• Things that aren't currently listed in my budget, but could/should be, and might need to be in your budget:
  
  • work needs/upgrades,
  • child related expenses,
  • student loan payments,
  • paying more than the minimum on various debt,
  • retirement savings,
  • emergency fund savings (which isn't the same thing as saving for the inevitable expenses you know are coming),
  • play money

[JackAlexander]

If you want to take some time to really make a full budget, I recommend sitting down with at least 6 months worth of credit card statements, bank statements, and receipts for cash purchases. Go through every line and classify it into a budget category.

YUP! This is so true!!

I use Quickbooks Self Employed online, it is around $10 a month w/ a free trail. It will help you classify these things (personal and Business) and help you know how much you need to pay in taxes and it links up to TurboTax.

[caramelcraze]

Multitasking is key! When I turn on my phone lines, I also get my couponing binder out, stack of coupons, and pull up tabs for some related websites. http://thekrazycouponlady.com/ is my favorite and you can do it by store. Even if you save $15 per week on household and food items (which is pretty easy to do with a little practice), you're putting just under $800 back in your pocket per year.

[laurielegs]

Awesome advice but I would like to add also - don't beat yourself up if you have had trouble with this in the past.

It's not easy to get into a rhythm when you don't have a boss MAKING you work. Being your own boss is sometimes difficult especially at first and even after doing it for years sometimes you get hit with a personal crisis or depression or any number of things and it's easy to get into a cycle of "ill just take off today and make it up tomorrow" forgetting that it's not so easy once you get behind.

also wanted to add - try your best to get equipment that will run a few sites at once, making the most of your time. I run phone sex sites, 1 to 3 free chat sites and 2 to 4 private based sites with no free chat at a time and it has helped my income so much. I start out with my favorite sites and if it's slow keep adding them till I'm busy enough to make it worth my time. Sometimes it's so slow I have to run them all and sometimes it's so busy I can only run one. Try all legit sites - I have whales on some sites that don't work for others and some sites that are busy for others barely work for me - never know till you try.

Just keep working at it till you can get into a rhythm that works for you and when you do - congratulate yourself! and realize this is a huge accomplishment!! Running your own business and being successful is something to be proud of. Once it starts working though, it can be an awesome life. I wouldn't go back to the corporate world at this point ever.

[sweetandnaughty]

This! I'm just starting to make about 1\3 of my income goal on TTM and NF. Having trouble getting on with arousr..but PSO is paying off. Keeps me busy and by end of day I'm in the mood to do my 3-5 hours on streaming sites. I'm just going to start the film clip content. One thing I haven't tried.
Excellent advice Kourtney!!

[thatgingercamgirl]

Thank you so much for this! I'm just coming out of a long bout of depression and realizing that I need to up my hustle, so this was perfect timing

[maddiebabe]

This is something I personally do: overestimate my bills and underestimate my earnings. I know some of you like to aim for the sky with your goals- I don't really do that. It helps me more to have my goals lower, but just because I made $x in a day does not mean I am done yet.

Examples of how I overestimate my bills- I take my higher electric bills and act like that's my electric bill every month. I will add like $5 or $10 to smaller fixed bills just because I can. I way overestimate how much I spend on food lmfao (I guess that's how I count in excessive misc spending if I have it that month). I also like to game the credit card system like hardcore, but I don't recommend anyone to do that unless you are extremely disciplined with money and paying bills, which is how I was raised.