No matter how much income you bring in every month, most moms feel they could can use a little more cash. Or, a LOT more cash. Most of us could use more spending money, and there’s always debt to pay off or college tuition to save for. If you don’t have any other uses for more money, then hell, might as well splurge for something you want, amiright?
One of the best things about being alive today, is there are more ways to make money than ever these days. The internet is a treasure trove when it comes to finding side hustles or new ways to sell your product or service, and there are money-making apps you can use as well.
Best way to make more money
The fastest, surest way to make more money is to ask for a raise and/or promotion. Here is my advice (with videos!) about asking for that raise:
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Wondering how to make money using your creativity, time, or skill in your spare time? We’ve outlined all the best ways to score some cash below.
- How to make money selling products
- How to make money selling services
- How to make money fast
- Easy ways to make money
- How to get free money
- Start a side hustle today to make more money
- The bottom line: There are more ways to make money now than ever, and many of them don’t require any education or training.
How to make money selling products
You can absolutely make money selling products, although you’ll want to be careful you don’t get sucked into a multi-level marketing company, or MLM. Research shows that most who join MLMs never earn real money anyway, and they even wind up spending their money on products and marketing by the time they quit.
But you can sell products and make more money. If you’re crafty, for example, you could earn money selling homemade goods on Etsy.com. You can also sell items you already have (think old clothes from your closet, electronics, and more) online through craigslist.com, eBay.com, or local Facebook groups.
How to make money selling services
You can also earn money selling your talents and abilities in the form of a service. You could mow lawns, clean houses, help people with bookkeeping, or teach piano lessons, for example. Other ways to earn money selling your services include:
- Tutor kids through VIPKID
- Teach courses through Udemy
- Tutor kids with Wyzant
- Work as a virtual assistant or social media manager
- Start a virtual business as a virtual bookkeeper
- Become a freelance writer
- Teach kids through Chegg
- Drive for Uber or Lyft
- Perform tasks through TaskRabbit.com
- Find a money-making gig using SteadyApp.com
How to make money fast
If your goal is making money in a hurry, you need to find ways that don’t require long waiting periods or a bunch of hoops to jump through. Here are some of the best ways to earn money in a hurry:
- Rent out your car through ZipCar
- Use GetAround to rent out your car for the day
- Rent out your home or a room in your home on Airbnb, VRBO.com, or HomeAway.com
- Sell jewelry you no longer wear on Worthy
- Sell old smartphones, laptops, and video games on Gazelle.com or DeCluttr.com
- Sell your gently used clothing on ThredUp.com
- Get paid to take surveys online
- Use money-making apps like SurveyRewardz.com, SwagBucks, Inbox Dollars, Prize Rebel, and Media Barn
If you need to earn more money than you’re making now, you may face an even bigger challenge than many working moms: How can you possibly increase your earnings when you have so little free time already?
Fortunately, the Internet makes it easy to learn how to make more money and also make money online in your spare time, affording you the flexibility to control your time, and build your work around the rest of your life. Keep reading to learn some of the best ways to earn cash online without putting yourself out.
Related: Find a high-paying, work-at-home job
Before you sell products online, check these topics out:
- How to make money selling products online
- How to make money selling services online
- How to make money as an online influencer
- Find legitimate, work-from-home jobs
How to make money selling products online
Have you ever bought something at a discount only to find out it’s worth way more than you thought? If you are able to sell it for more than you paid, you could make a quick buck.
Online resale sites make it easy to turn this concept into a business. You’ve heard of eBay, right? If you have a knack for sniffing out great deals, posting an item for sale online is easy with your smartphone.
If you’d rather not deal with the hassle of keeping track of physical products, dropshipping might be a good fit. By partnering with a dropship wholesaler, you can sell products online without keeping up with inventory yourself.
With dropshipping, a customer orders from your site and the wholesaler packages and ships it directly to them. The best part? You get to keep the profit.
How to make money selling services online
Selling your skills is one of the most sustainable ways to make money online, and can grow into a full-time career, or even a scalable business. This is how Wealthysinglemommy founder Emma Johnson started — by freelance writing, and then by starting a blog.
One of the best ways to start growing an online service-based business is with freelancing gigs.
The benefits of freelancing, opposed to having a j-o-b, is that rather than following someone else’s rules as an employee, you have control over your schedule and the work you do.
Most types of freelancing don’t require any formal education. You don’t need an English degree to be a successful freelance writer. And if you can answer emails, manage social media, or do other administrative tasks, the role of virtual assistant could be perfect for you.
There are also excellent online courses that can help you learn the basic skills to launch your new career, plus support for finding clients. Bookkeeper Business Launch is a popular first step for many successful freelance, work-at-home bookkeepers who can earn multiple six-figures.
Coding, or programming, is a high-demand, highly paid industry that is especially short of female workers. This work can be done remotely, online.
Don’t panic if you can’t write code. There are many online resources for how to get started, as well as online communities of other coders from whom you can learn.
How to make money as an online influencer
Imagine making money online just for being yourself. That’s exactly what it means to be an online influencer or blogger.
YouTube makes posting videos and earning money from your channel a real possibility — even if you only use your smartphone. Setting up ads and offering channel memberships can generate cash flow. Super Chat is another way to make money. It lets viewers pay a fee in exchange for their message to be highlighted during a live chat.
Just how much can you make? On average, most YouTubers earn anywhere from 7 cents to $5 per 1,000 views. That might not sound like a lot, but some YouTubers have turned those meager earnings into millions.
Don’t believe me? Keep these stats in mind:
Ninja, known for his online gaming, earned $10 million in 2018 with YouTube. And PewDiePie averages $21,000 per video — that’s $11+ million a year.
If being on camera gives you stage fright, making money blogging or with your Instagram account is another option.
When it comes to blogging, it’s as easy as sharing your thoughts or expertise. And you can monetize your blog right from the start through ads, affiliate marketing, or selling your own products.
Instagram opens up opportunities to make money as an influencer, too. Sharing your favorite products, sponsored posts, and ads can all help you earn some cash. Growing your Instagram account into your own business and charging for one-on-one consultations or selling your own products can also help you earn real income online.
One of the best apps to make money is Swagbucks. It gives you the most ways to earn money: watching videos, answering surveys, playing games, searching the web, and online shopping. Plus, you get $10 free just for signing up. (See also: How to make money with online surveys)
InboxDollars offers a signup bonus, too. The initial free offer is for $5, and you can earn even more money once you start opening emails and answering simple surveys.
If surveys aren’t your cup of tea, it’s pretty easy to earn cashback with a money-making app like Ebates (now Rakuten). This website dishes out a $10 bonus right away, but you can also earn cash back for shopping or completing simple tasks.
Related: How to save money on a low income
Find legitimate work-from-home jobs
Maybe you want to find a way to earn a real living from the comfort of your home — giving you the flexibility to manage your life, eliminate a commute, spend a lot of time with your kids, and have real balance in life.
FlexJobs is an excellent (paid) job board that researches deeply each company it works with, as well as jobs listed, to ensure they truly are quality, high-paying positions that are either work-at-home, telecommute, or otherwise flexible. The founder, Sara Sutton Fell, created FlexJobs (from home!) once she became a mom and saw the need and opportunity for working parents to stay in the workforce in a meaningful way.
Thankfully, technology and cultural changes mean there are countless ways to earn a high income, while also enjoying a flexible schedule.
This guide outlines 13 high-income work-at-home careers that are great for moms. Only a couple of them require a special degree — the rest you can teach yourself, or learn on the job. These include:
- Virtual assistant
- Social media manager
- Programmer / coder / web developer
- Clinical research coordinator
- Child care provider
- Corporate event planner
- Corporate travel consultant
- Graphic designer
- Grant writer
FlexJobs.com is a membership job board created by a mom to help other moms find legitimate, telecommute, flexible and work-at-home opportunities in every niche. This membership site can help you find jobs in your field, whether that’s writing or editing, childcare, human resources, programming, data analytics, and others.
Read: FlexJobs review
Signing up for FlexJobs is easy, and you can use it to find freelance jobs or long-term work.
Easy ways to make money
Sometimes you want your income-producing activities to be as easy as possible, and there’s nothing wrong with that. Fortunately, the internet makes it simple to earn some quick cash without too much work, hassle, or stress. Here are some of the best ways to earn money with ease:
- Take online surveys with websites like ePoll.com, MySurvey.com, Opinion Outpost, Harris Poll, and Survey Junkie (Read: Survey Junkie review)
- Join focus groups using websites like 20/20Panel, FocusGroup.com, and FindFocusGroups
- Play games with CashDazzel
- Review music on Music Xray
- Test new apps using Erli Bird
Earning more money can solve myriad financial problems, but it can make sense to look for ways to spend less, too. A penny saved is a penny earned, after all, and any money you can keep will leave you better off.
Some ways to get free money without any real “work” include:
1. Creating a budget to track spending (and cut expenses)
Take a close look at your monthly income and expenses so you can plan a budget that limits how much you spend in fluctuating categories like food and entertainment. Look for ways to save each month, such as cooking at home instead of dining out and limiting your girls nights out to just once a month. (Read: How to create a single mom budget you will stick to)
2. Cut the cord on subscriptions to save money
Speaking of cutting your expenses, you may also want to cut the proverbial cord — as in, cancel your cable television subscription! Doing so could easily free up $100 or more in cash for you to save, and you’ll have more free time to earn money, too. Learn more about the awesome services that will negotiate your utilities and cancel unused subscriptions on your behalf.
3. Open a savings account
Consider opening a high-yield savings account so you can earn interest on the money you manage to save. The CIT Savings Builder account lets you earn high interest if you have $25,000 saved or transfer at least $100 per month to your account. Or consider opening a high-interest savings account with CIT Bank >>
4. Shop around for insurance rates
Compare rates among different lenders for auto insurance, homeowner’s insurance, and other insurance products you buy. Policygenius is a great site to help you find the best rates on health insurance, and here is a list of the best life insurance for single moms.
Save money on life insurance
Check out Bestow, a top-rated life insurance provider that offers policies for as little as $5 per month, including those with terms starting at 2 years — perfect if you are going through a divorce, breakup, job change, unemployment, or other life changes.
Save money on car insurance
You are likely overpaying for auto insurance. Call your current insurer and ask if they can offer a discount for safe driving, or if you are like me and live in a city or otherwise drive less than the average 12,000 miles per year, are a low-mile driver. Also, check out Gabi, which promises to save you an average of $865 on car and home insurance >>
Start a side hustle today to make more money
Finally, don’t forget the prospect of starting a side hustle — or a temporary job you can take on in addition to your full-time work. Side hustles look different for everyone, but they can include concepts like driving for Uber or Lyft, babysitting kids, painting houses, mowing lawns, and more.
Online side hustles include some of the ideas we’ve mentioned already — jobs like tutoring kids with VIPKID, taking online surveys, working as a virtual assistant, or finding online freelance bookkeeping work.
Some side hustles you can do from home also overlap; for example, you can work as a virtual assistant or freelance writer online and from your couch, just like you can write freelance articles anywhere with an internet connection.
In this episode, I discuss…
- Why you need a side hustle
- How to get one
- What makes a good side hustle
Maybe you need a little extra cash (or a lot – hello, savings account!), maybe you’re bored with your current career, or you want to safeguard yourself against a recession or an industry crash by having a fall-back plan. Or maybe you’re interested in pursuing your passion project, but you’re not quite ready to make the leap into full-time business ownership. Whatever your reason is, you NEED a side hustle.
The bottom line: There are more ways to make money now than ever, and many of them don’t require any education or training.
These include starting any one of the quality side gigs, getting a raise or promotion, or finding a new, higher-paying job.
Start with updating your resume. This not only keeps you ready for any new opportunity that you hear of, or find on a job board, but updating your CV or resume helps you assess your skills, goals and helps you talk about your new, high-earning ambitions with anyone who will listen!
Holly Johnson is a financial expert, award-winning writer, and Indiana mother of two who is obsessed with frugality, budgeting and travel. Her personal finance articles have been published in the U. S. News, Wall Street Journal, Fox Business, and Life Hacker. Holly is founder of of the family finance resource, ClubThrifty.com, and is the co-author of Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love. Learn more about Holly here.