Cam Fairbairn was working in restaurants when he started a side hustle — work he did on top of his regular job — making and selling his own jam.

Making jam was a hobby, but he'd been encouraged by a friend to make it an extra source of income.

However, he soon stopped enjoying it when his hobby became a business. He went back to focusing on his day job.

But not everyone is so lucky. For some, a side hustle is not just a good way to make extra money from something you love — it's a necessity.

Shonnita Leslie had big education debts to pay, so while she was working at a university during the day, her side hustle was delivering food. She needed the extra money to pay off those debts.

And according to new data, Leslie is not alone.

A survey by Bankrate found that more than one third of Americans have a side hustle. Among those aged between 18 and 27, it's 48%.

Of the Americans with a side job, 36% use that extra money to pay for daily necessities like housing and food. And 32% said they think they'll always need a side hustle to make ends meet.

"People are telling us they're side hustling because they have to, not because they want to," Ted Rossman from Bankrate told CNBC.

The survey of more than 2,300 Americans also found that about 28% of people with a side hustle make at least $500 per month from their second job. Around 9% of people said they make more than $2,000.



Practice Listening, Reading & Comprehension

36% of Americans Need Side Hustles to Pay the Bills

You just got into bed after a long day, and you're exhausted. You plan to spend a few minutes on your phone — maybe scrolling Instagram or TikTok — and then sleep.

But when you try to sleep, it's not as easy as you thought it would be. You were so tired — what happened?

According to a new study, your phone may be the problem.

The study, done by researchers at New Zealand's University of Otago, involved 85 kids aged 11 to 14. They each spent a week wearing a body camera on their chest starting from three hours before they got into bed.

A second camera was also placed in their bedrooms to monitor their phone use once they were in bed. They also wore a device that tracked their sleep.

The researchers found that 99% of the participants used their phones in the two hours before bed. More than half used their phones while they were in bed, and about a third used their phones after trying to go to sleep.

The results showed that screen time in bed affected participants' sleep — it stopped them from going to sleep for about half an hour, and also reduced the amount of sleep they got.

The impact was larger when participants had a more interactive experience — such as playing a game — or if they used more than one screen. For every additional 10 minutes of this type of screen time, sleep time was reduced by the same amount.

Interestingly, phone use in the two hours before bed had little impact on sleep.

According to lead researcher Bradley Brosnan, the results suggest that, while current guidelines recommend no screen time in the hour or two before bed, keeping phones out of the bedroom might be enough for a better night's sleep.

Keep Screens Out of Bed for Better Sleep


You just got into bed after a long day, and you're exhausted. You plan to spend a few minutes on your phone — maybe scrolling Instagram or TikTok — and then sleep.

But when you try to sleep, it's not as easy as you thought it would be. You were so tired — what happened?

According to a new study, your phone may be the problem.

The study, done by researchers at New Zealand's University of Otago, involved 85 kids aged 11 to 14. They each spent a week wearing a body camera on their chest starting from three hours before they got into bed.

A second camera was also placed in their bedrooms to monitor their phone use once they were in bed. They also wore a device that tracked their sleep.

The researchers found that 99% of the participants used their phones in the two hours before bed. More than half used their phones while they were in bed, and about a third used their phones after trying to go to sleep.

The results showed that screen time in bed affected participants' sleep — it stopped them from going to sleep for about half an hour, and also reduced the amount of sleep they got.

The impact was larger when participants had a more interactive experience — such as playing a game — or if they used more than one screen. For every additional 10 minutes of this type of screen time, sleep time was reduced by the same amount.

Interestingly, phone use in the two hours before bed had little impact on sleep.

According to lead researcher Bradley Brosnan, the results suggest that, while current guidelines recommend no screen time in the hour or two before bed, keeping phones out of the bedroom might be enough for a better night's sleep.

With both a European and Asian side, Istanbul really is where East and West meet. Here are some of the city's top tourist attractions.

Sultanahmet
Many of Istanbul's most famous buildings are in Sultanahmet on the European side. Tourists can enjoy the beautiful Blue Mosque, built by Sultan Ahmet I in the 17th century. Or they can take a trip to the city's past in the Hagia Sophia — which has been both a Christian church and a mosque before being made into a museum.


Collage of two images showing the Hagia Sophia and the area around it.
Spice Bazaar
While the Grand Bazaar is the most famous Istanbul market, the Spice Bazaar offers a more fun and colorful shopping experience. Almost any spice can be found in the Spice Bazaar, as well as Turkish candies — and the shops will let you try a little bit of everything!



Kadiköy
The Kadiköy neighborhood on Istanbul's Asian side is popular with young people for its pubs, cafes and music venues. Chat with artists and writers in the tea garden of the Nâzım Hikmet Cultural Center, which celebrates the life of one of Turkey's most famous poets. After that, shop for antiques on Tellalzade Street.



The Bosphorus
The Bosphorus is between Istanbul's two sides. There are many Bosphorus boat tours to choose from, including ones with meals and entertainment. For the best price, take one of the city's public boats — tickets cost less than $1, and they offer the same sights.



Food
Istanbul is famous for its food. Enjoy some meze — many small plates of food — with fish and the local spirit, raki. Or buy a simit — a round bread covered in seeds — from the street sellers. Don't forget to try a cup of Turkish coffee or a glass of black tea with lots of sugar.




East Meets West: Istanbul's Top Attractions

The Democratic vice president Kamala Harris began the first — and possibly last — TV debate before the US presidential election with a power move, walking across the stage to shake Donald Trump's hand.

The two candidates had never met before the September 10 debate in Philadelphia, aired by ABC News.

"Let's have a good debate," Harris said.

"Nice to see you. Have fun," the former Republican president responded.

The exchange set the tone for the 90-minute debate to come: Harris controlled the conversation at times, tackling Trump on economic policy, crime, abortion rights, his refusal to concede his 2020 election loss and even his performance at his rallies.

Trump was measured at the start but grew more annoyed as the night went on.

Harris took the fight to Trump in a way that Joe Biden could not.

"You did in fact lose that election," Harris said of the 2020 race that Trump lost to Biden but still insists he won. "Donald Trump was fired by 81 million people," she said, referring to Biden's winning vote total.

A smiling Harris frequently shifted her message from Trump back to the American people.

"You will not hear him talk about your needs, your dreams and your needs and your desires," Harris said. "And I'll tell you, I believe you deserve a president who actually puts you first."

Trump was often on the defense, but he did push the main message of his campaign: inflation and immigration are causing Americans to suffer.

As he often does in his rallies and on social media, he made several false or unproven claims about migrants — including a debunked rumor that Haitian immigrants in Springfield, Ohio, are hunting and eating pets. Officials in Springfield say they have no evidence of this happening.

"Talk about extreme," Harris said after Trump talked about dogs and cats being eaten.

Trump also tied Harris to Biden, falsely claiming the Biden-Harris administration caused the "worst inflation" the country has had.

Trump and Harris Face Off in Presidential Debate

One of the common goals for people in their 20s, 30s and 40s is to "get on the property ladder."

The idea is that when you buy your first home you're taking your first step on that ladder. In time, you may be able to climb higher by selling your property and buying a bigger or better one.

But taking that first step can be difficult — and scary. So what do you need to know before you go from renting or living with family to becoming a homeowner?

Writing for CNBC, real estate reporter Celia Fernandez shared a number of things she wished she'd done before buying her first home.

One thing she mentioned was making sure she had all the necessary paperwork in one place so she could easily show it to banks or lenders. This is good advice for anyone buying a property — you'll probably need to share things like your payslips, bank records and tax returns several times!

Fernandez also advises people to look for "free money." Your country or region may have grants or other programs to help home buyers. Look out for things like tax breaks for first-time home buyers, or grants for refurbishing older homes.

She also suggests asking for financial help from family members. "My biggest regret is not talking to our loved ones right at the beginning of our search," she said.

Of course, not everyone will have this option. But some parents may want to give money to their children during their lives rather than waiting to pass it on as an inheritance, for example.

Finally, Fernandez says it's important to take into account the costs of closing a sale. That might include taxes, legal fees, inspection fees or fees for a real estate agent — and don't forget that you may also have initial refurbishment costs.

You don't want an expensive surprise just as you get your first home!