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When finances are extra tight and a Total Money Makeover seems impossible, sometimes we need to look at ways to earn extra money! It very well could be we have an income problem, not a budgeting or spending problem.
Discouraging, I know! Especially as busy moms, with a lot on our plates, finding ways to earn extra money can seem pretty daunting.
Little bits of extra money you earn here and there add up over the months and years! It really can make a difference in your finances. I know it has in mine. It’s how we paid off our house early, saved up for house projects, and, just this last year, took a trip to Disney World. Has it always been easy? Nope. But all the work really has been worth it. Promise.
Here is a list of ways to earn extra money that will hopefully help get your brain going so you can find something that works for you and your family! Don’t give up – it might take some experimenting!
Another resource to check out is Crystal Paine’s book Money Making Mom!
Ways to Earn Extra Money
There are several ways to earn with Swagbucks – everything from surveys, games, watching videos, and searching on the internet. You can see some of the details on earning Swagbucks here and here. Sign up using my link and you can get 300 Swagbucks!
When you earn Swagbucks you can purchase gift cards from many retailers. Amazon is one of my favorite ones to buy. I love that you can start buying gift cards with 300 Swagbucks so no waiting for an exorbitant amount of time. Use them for gifts or even supplement or food items!
Part Time Job
I know this one is hard, especially for us moms with little kids. But it is worth looking for a part time job you can work around your husband’s hours. Maybe something as simple as delivering pizza one or two nights a week or finding a seasonal weekend job at a retailer.
Watch the classifieds, ask around, and also pay attention in Facebook groups. You might be surprised with what you find.
Can you write, edit audio or video, record voice work, do graphic design, or any of numerous other things? Check out Fiverr! No start up cost and low time commitment to start up, so it will be easy to experiment with and see what you can offer. My husband does voice on Fiverr periodically.
Skilled at organization, writing sales copy, running social media, editing? There is probably someone out there that can use your help! Check out Moms Work Hard for information.
Watch your friend’s kids a couple hours after school until she is off of work. Have date night babysitting you offer monthly.
Present Wrapping Service
I can’t be the only one that is horrible at wrapping presents and gets absolutely no enjoyment out of it. But I know that some of you love it. Sell your gift wrapping skills! Christmas time you could pick up a lot of business and during the year advertise your services for birthdays.
Sell Baked Goods
I enjoy baking and cooking. Some people don’t. If you are skilled at baking bread, Christmas cookies, dinner rolls, fudge and so forth considering selling your goodies. Please research Cottage Food Laws for your state before you get started. Rules and regulations greatly vary. You will also need to register with your state to file sales tax.
Rake Leaves/Shovel Snow
Get your kids involved and depending on the season rake leaves or shovel snow. Weeding would be another option. Print up flyers and hand them out around your neighborhood.
Do you have cleaning down to an art form? Clean a few houses (or businesses) on the side each week. Businesses you could likely do during the evening hours.
Help with Parties and Events
Especially during the holiday season, but also through the rest of the year, Individuals and business are both hosting parties. If you are a skilled organizer and hard worker, market your services as either an event planner, event host, or an event assistant. Christmas or New Year’s parties, baby showers, birthday parties, work events and retreat and more could use your services.
Are you skilled behind a camera? Look into doing photo shoots! I know the market can be hard to get into in some areas, but start with your friends and family and give them a discount as you build your portfolio. Even if you just do this once or twice a month, it will add up.
Teach Music Lessons
Can you sing or play an instrument well? Considering giving weekly lessons! Set aside one afternoon each week to teaching. My sister gives lessons each Tuesday afternoon and evening. If you are just getting started make sure your prices are competitive.
If this is your talent, there are so many people that need you! Whether an individual designing an invitation or large or small businesses. Businesses needs logos, graphics for social media, business cards, presentation and so forth done with a professional look all the time! You can save them time and give them a better result with your services.
Sell Another Skill
Think about what other skills you have. Are there ways you can market your skill and sell it to others? We’ve already talked about babysitting, baking, photography, graphic design and cleaning. That is just the beginning. I know people that are talented artists and get hired to paint murals on bedroom walls. Think about what excel at doing and how you can market that talent.
I dare say the majority of us have too many things. What do you have that is quality and something that others will want? Places to possibly sell are Ebay, Facebook groups, declutter.com, or even a garage sale. This is an immediate way to earn money and you will also be organizing and decluttering items you don’t use – win win! Some people take this a step further and find things on clearance or at thrift stores or garage sales that they know they can resell on Ebay for a decent profit.
I’ve never done this but I have a sister that has sold plasma to save money for gifts and other fun items she wanted.
This won’t make you rich but would allow you to save up a dollar here and there as you take surveys. Swagbucks, as I mentioned above, has surveys but also check out places like Pinecone Research.
Here comes some bonus tips that save/earn you money. Try using Fetch Rewards (use referral code: XF5MX to get 2,000 points for signing up) to scan your grocery receipts and earn a few extra pennies each time to head to the store. Check out Ibotta (receive a welcome bonus for using my link) and Checkout 51 for coupons on items you are already purchasing.
We love Ebates. Don’t go and buy something you weren’t already planning on but anything you are buying online, check and see if you can go through Ebates. We use it when booking hotels through Hotwire, when we need to make purchases from Lowe’s, Wal-Mart, Vitacost etc! It’s nice to get even the small percentage back.
Join Ebates through my link and spend at least $25 and you’ll get $10!
Remember to check every time you are going to order something online! (Or see if you can order online and do in store pick up.)
Find Ways to Save Money
One of the best ways to “earn” money it to find ways to spend less and rework your budget! I’d say it’s one of the easiest ways as well – because it doesn’t involve finding extra hours each week to work. But it does take discipline to say no to those little splurges. Make a menu plan and spend less on groceries, say no to coffee, drink water, have a no spend challenge. Here are some ideas on ways to save even on a tight budget!
What ways to earn extra money are your favorites? Anything else to add to this list? Pick a few of these small ideas and one of the bigger ones and give them a try! See how much money you can earn in the next 6 months.