Welcome to Gravy Income.  Here we will talk about personal finances and how to reach long term goals of becoming financial independent.  

Investment Online

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Some things are better waiting for thou; Starbucks doesn’t need to see you every day of the week.  Make it a weekend thing or the dreaded Monday morning before work…. to start your week off write.


How to start a Christmas tree farm on the side, set your own hours!!!!!!!

By Phillip Walters | January 23, 2018

Are you the type of person that is jollier then most around Christmas. You should turn that jolly into paying off the credit cards or paying your mortgage off early? follow these simple steps and learn how to start a Christmas tree farm. Your first step will be choosing the right type of Christmas tree…

Get Cash Back With Ibotta

By Phillip Walters | January 22, 2018

Get back Money for shopping.

Making Money With Craigslist

By Phillip Walters | January 21, 2018

So you want to make Extra Money, Follow these steps and make money on Craigslist. 1.  Buy & Hold Find a good deal on an item, buy it, bring it back to your home and re-post it for a Profit. This is Buy & Hold do not get discouraged if the item sits in your back room…


By Phillip Walters | January 21, 2018

Rakuten   Find coupons and earn cash back at over 2,000 stores when you shop at Rakuten!!Save with online rebates, deals, promo codes and discounts.   Sign Up Now And Start Earning Cash Back Every Time You Shop. Get Your $10 Bonus! Find coupons and earn cash back at over 2,000 stores when you shop at…

Saving For The Future Like A Squirrel

By Phillip Walters | January 20, 2018

ACORNS Acorns automatically invests your spare change.  Every purchase you make becomes an investment in your future. Join over 2 million people who have started. Sign up now and receive $5 Free A lot for a Little, just $1 a month Automated Investing Round up your purchases to effortlessly Invest the Change®. Link Unlimited Cards…

Robinhood Online Stock Free Money

By Phillip Walters | January 20, 2018

Renting Out Your Home Or Bedroom With Airbnb

By Phillip Walters | January 20, 2018

RENTING OUT YOUR HOME OR BEDROOM USING AIRbnb Airbnb is one of the largest and most popular marketplaces in the United States. Rent out Your entire room, private room, or shared rooms. Secure online payments to your bank accounts. Why host on Airbnb? Choose the Price, Set Availability, & Control Your Listing to Fit Your…

Dog Walking For Extra Cash

By Phillip Walters | January 20, 2018

  DOG WALKING, DOGGY DAY CARE, DROP-IN VISITS, HOUSE SITTING, DOG BOARDING……. ROVER, JUST GOT BETTER…. Join the nation’s largest network of pet sitters and dog walkers.  You’ll get Click on this link to receive your free $20 gift from us!!!! • Freedom to choose your schedule, services, and rates • Automatic, secure payments and insurance for…

Washing for Dollars

By Phillip Walters | January 20, 2018

PRESSURE WASHING FOR DOUGH The upfront cost for pressure washing is relatively low.  All you need is a pressure washer, surface cleaner, chemicals, hose’s and nozzles.  Most pressure washers are small enough to put in the back of a car if needed. I do recommend not getting the cheapest one out there to start.   I’ve used the…

Old Pickup Truck Could Equal Lots Of Cash

By Phillip Walters | January 20, 2018

Got a old pick up truck? maybe even a new one and you’re looking to make some extra cash. Try recycling, you’ll be surprised what people throw it away and maybe even pay you to get rid of that you can take to the scrap yard and get paid cash on the spot. Tell your…


Its never to early or to late to start saving for your future and retirement.  There are many ways to grow your money 10% a year.  10% may not seem like a lot, compounded with time it adds up quick.  Think of a Simple Penny!!  Would you rather have a million dollars or a penny that double everyday for a thirty days.

Watch What Happens To This Penny Over Thirty Days

  1. Day 1 $.01             Day 16 $327.68
  2. Day 2 $.02             Day 17 $655.36
  3. Day 3 $.04             Day 18 $1,310.72
  4. Day 4 $.08             Day 19 $2,621.44
  5. Day 5 $.08             Day 20 $5,242.88
  6. Day 6 $.32             Day 21 $10,485.76
  7. Day 7 $.64             Day 22 $20,971.52
  8. Day 8 $1.28           Day 23 $41,943.04
  9. Day 9 $2.56           Day 24 $83,886.08
  10. Day 10 $5.12         Day 25 $167.772.16
  11. Day 11 $10.24       Day 26 $335,544.32
  12. Day 12 $20.48       Day 27 $671,088.64
  13. Day 13 $40.96       Day 28 $1,32,177.28
  14. Day 14 $81.92       Day 29 $2,694,354.56
  15. Day 15 $163.84     Day 30 $5,368,709.12


These are the effects of compounding, do I have your attention now?



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your spare time.

 A penny saved is a penny earned

It's a timeline expression, meaning money not spent, is money in your pocket!

The little things count a lot when it comes to saving money.  Try packing your lunch for a full month.  You will save money, track your results and compare it to the month before.

Early Morning Coffee

Are you making that stop at the gas station every morning? Picking up that coffee that's already made and only cost $1.35. That's nothing right? Compare to your monthly Mortgage. It's pieces of a penny, .001% to be exact for one coffee a month. Buy a coffee every day of the month and you're looking at 4% of your mortgage literally sipped away. Do this every day of the year and you've lost 40% of a mortgage payment. For you premium coffee drinkers Starbucks or Dunkin' Donuts I don't have to do the math you're washing a whole mortgage payment down the pipes for the year.

This is called The Compound Effect, we all know what we're doing but we never take the time to sit down and compound it together. Read the Book The Compound Effect

by Darren Hardy.  "if you are hungry to be successful, this is it.  The fundamentals of all the success you ever wanted to achieve condensed into one book.  Don't read this; consume it, study it, make it your operation manual for life" says Les Brown, coach and author of Live Your Dreams.  No one wants to get up early and make a pot of coffee these days.   this and you had the time to go in your kitchen and preset your coffee maker for the morning and save yourself some cash. If you don't have a programmable coffeemaker you can pick up a Cheap, Medium, or Top Rated Coffee Maker by clicking these links.

Remember successful people do things that other people don't want to do!

Looking to save Money? Buy used gift cards at a discount price, up to 30% off your local stores. We have the top sites to start saving now.

Want to make extra money online or with odd side jobs? Check out these top articles.

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Financial freedom can be achieved

"Never spend your money before you have earned it"

Thomas Jefferson