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40 Flexible Ways for Stay At Home Moms and Dads to Earn Real Money

40 Flexible Ways for Stay At Home Moms and Dads to Earn Real Money

Being a stay-at-home mom or dad is a full-time job, but it doesn’t pay a full-time paycheck. This makes it difficult for some one-income families to earn enough money to pay for things they need, let alone grow their savings. Good news is, there are ways to earn money without leaving the house or sacrificing your time with the kids. These opportunities enable you to make some cash while your children are at school, asleep, or even while they’re home and wide awake!

Keep in mind that working from home requires self-discipline, organization, and focus (here are my favorite books on getting it all done with less stress). It’ll take a bit of trial and error to figure out what works best for you, and you must be driven to keep going even when you feel like giving up, or if others question your decisions. But the effort is worth it. I know this because I’ve been working for myself since 1996, and it’s rubbed off on my son, who recently started experimenting with ways to earn money from home; without interfering with his school or activities! If you have a teen looking to make some extra cash, check out this list!

So without further ado, I present to you the big list of flexible ways for stay at home moms and dads to earn extra cash on the side… or if you’re really motivated, earn a full time income!

Make money by flexing your creativity:

1. Make Money With Your Blog

Just about everyone’s got a blog now, right? Heck, I have more than I can count with both hands! But for good reason… it’s where I make most of my hands-free income from affiliate commissions, Google AdSense, and sponsored advertisers. You get to choose what your blog is about, when to write, what products to promote, and what types of ads to feature. Have you been curious about starting a food blog? Maybe a parenting blog? How about a marketing blog? Or a fashion blog? The possibilities are endless and getting one set up is easy as one, two, three! Check it out!

2. Affiliate Marketing

Did you know that you don’t even need to have your own products or services to earn a hefty paycheck? This is the beauty of affiliate marketing. You promote other people’s stuff and when someone buys, you collect a cut of the sale price! That’s it. No need to carry an inventory, deliver the product, or provide support to the customers! Where do you promote affiliate products? On your blog, social media, articles you write… pretty much anywhere! Here are some popular networks that offer ad links to earn some cash from:

  • Rakuten Linkshare – My favorite network. You can promote popular brands such as Starbucks, iTunes, and Walmart, as well as products offered by smaller companies
  • Amazon – They’re tied with Linkshare as my favorite network. You can promote books, audio books, video games, clothing, kitchen tools, even car parts! You can earn up to 10% commission on majority of what’s being sold on their website! They pay their associates like clockwork, which I love.
  • Clickbank – Their online marketplace contains tens of thousands of products to choose from, and you can earn commissions as high as 75%!
  • JVZoo – Huge variety of products to promote; from business, cooking, and education, to foreign language, gambling, and travel!
  • Shareasale – These guys have over 3,900 merchants to promote from including: Beachbody, Zazzle, Craftsy, Juleep, and Weebly. They always pay on time too!

3. Sell Custom T-Shirts

Teespring allows you to create & sell custom t-shirts with zero hassle, zero upfront costs, and zero risk! You design and promote it, and they produce and ship it! Great for reunions, sports teams, clubs, and parties!

4. Listen to Music for Cash

If you listen to music all day like I do, you’ll love this program. All you need to do is listen to unsigned bands and artists online and submit a review at Slicethepie. Active users with high reputations are earning an extra $50+ per month for just 5-10 min a day listening to some aspiring music talents. It may not seem much, but stick it in a savings account and that’s $50 more than what you had before!

5. Set Up an Online Store

You can now profit from your own online store from the comfort of your home, and setting it up is extremely easy! Many people make decent part-time and full-time income with online storefronts. Here are a few of my favorites:

6. Get Paid for Freelance Writing Work

Elance has thousands of job listings available for freelance writers. If you love writing and are able to provide unique articles and content, this could be a perfect fit. There’s a husband and wife team who runs their freelance writing business on the site, and they’ve made over $468,000 in the last 12 months. Check it out!

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7. Sell Articles for Cash

If you have a knack for writing articles on various topics, this is for you. All you need are writing skills, unique articles to submit, and a Paypal account to receive payments! Check out ArticleSale.com and Constant-Content.com to get started!

8. Have a Garage/Yard Sale

How about having an good ole fashioned garage sale? Advertise it on Craigslist and make some extra cash clearing out all that clutter!

9. Find and Post Odd Jobs on Craigslist

Local peeps are looking for help with things like walking their dogs, clearing out their email inbox, landscaping, and house painting all the time! Do a search at Craigslist and you’ll surely find a job you can easily earn cash from in your spare time. If you don’t see anything that’s right for you, post a service of your own.

Make money by selling what you have:

10. Sell Your Old Books

Do you have books laying around, collecting dust? BooksCouter.com helps you sell your books for the highest price by comparing prices from 58 book-buying sites so you can quickly find who will pay the most for your books. Once you’ve found the right buyer, you choose how you’d like to get paid, download a free shipping label, and send your books out!

11. Sell Crafts, Trinkets, Graphics, and More

Become an Etsy seller to earn money for your crafts. It takes less than 30 minutes to get setup and going and costs just 20 cents to list each item for 4 months. But open a shop now and your first 40 listings are free!

12. Sell Your Closet

Have like-new clothes you no longer wear? Turn them into cash with thredUP. For items listed under $60, you get paid as soon as they’re processed, and items over $60 are put on consignment and paid once they’re sold. All you need to do is pack up your clothes and ship (they even cover the cost of shipping!).

13. Sell Your Photos

You no longer need to open a studio to make some extra cash as a photographer. There are plenty of sites looking to buy digital photos. Of course, the better you are at it, the more money you will make, but it can be nice passive income. I have friends who have earned a few hundred dollars for a single photograph! Here are some of the more popular photo buying sites to check out:

14. Sell Your Old CDs, Movies, and Games

Declutter will pay you from a few cents to over ten dollars for your old CDs, movies, and games. If you need to clear out your space of old items you no longer use, you might as well get paid doing it!

Make money by doing simple things:

15. Get Paid to Shop Online

You earn cash back just for shopping like you normally would with Ebates.com. Can’t get easier than that! Join free now and receive $5 cash.

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16. View Text Ads on Your Phone for Cash

FreeEats.com pays you $1.00 to register and 25 cents (or more) for most messages. Payments are deposited straight to your Paypal account. Registration is a cinch and you can stop at any time.

17. Offer Any Kind of Service for $5 on Fiverr

You can sell all sorts of things from logo designs and resume writing services to writing breakup letters and pranks calling a friend. You have to check out their marketplace yourself to believe what people buy on there! Create your $5 gig (tack on a few “add ons” and earn even more!) on Fivver, promote it, and start earning some real cash!

18. Get Paid to Try New Products

Companies pay top-dollar to have users try their products and services for free! Simply complete free offers and Cashcrate pays you!

19. Get Cash Back by Scanning Your Receipts

We all buy groceries on a regular basis, so why not get back some extra cash from it? Ibotta makes it simple. Shop for products at your favorite store (Over 146 supported stores including: Walmart, Target, Best Buy, and Walgreens!), scan your product barcodes, submit a photo of your receipt, and get cash back within 48 hours! Online rebates are also available from stores including: Macy’s, Sephora, Nordstrom, and The Body Shop.

20. Become a Field Agent

Get paid to do various tasks around town for clients. Assignments at Field Agent usually involve checking prices, scanning barcodes with your mobile phone, and conducting surveys. Your earnings vary and depend on the assignment and locction. For example, one listing offers $9 for 4 pictures of any products in the toothbrush section at your local Target, while another pays $5 for one picture of a $19.99 & under game display from any Toys “R” Us.

21. Get Paid to be a “Looker”

Perform tasks both online and off for WeGoLook clients who need an item verified by taking photos, videos, or other custom tasks. Tasks can pay from $25 to $200, depending on the project. You must have a smartphone to complete each job and pass a criminal background check.

22. Become a Mystery Shopper

As a Market Force mystery shopper, you’ll get paid to eat and shop for free at your favorite brands. Mystery shoppers are independent contractors posing as “shoppers” paid to visit local brands as a regular customer and report back on various aspects of their experience for market research. You set your own schedule and it’s free to sign up!

23. Get Paid For Taking Selfies

It’s true! Stylinity is a new site that pays you to take selfies of your outfits! It’s simple. You sign up, take selfies of your outfits and tag the photo with the product info. When other users click to buy any of the items you’re wearing, you get paid! Signup for free right now and get a $10 bonus!

24. Get Paid to Complete Simple Tasks With Your iPhone or Android

Download the Gigwalk app and start making money right away in your own neighborhood. I registered for an account and the first gig I received paid $8 to take 20 photos of several different bags of Cheetos sold in a local store. That would’ve probably taken me about 10 minutes to do. I’ve read that some others have gotten gigs taking photos of restaurant menus and street signs. The more gigs you complete, the more “Gigwalk Streetcred” you earn. This helps unlock higher paying jobs, which can pay up to $90!

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25. Get Paid to Type

As a SpeakWrite typist, you take one hour shifts where you simply type out spoken audio. You set your own hours and from the comfort of your own home. Fast typists can earn upwards of $15/hour!

Make money by using your knowledge and skills:

26. Get Paid to Host a Dinner

Do you have impressive cooking skills? EatWith gives you a platform to showcase your creativity by connecting you with locals and travelers from around the world! You set your rate per guest, choose the time and dates, and indicate the number of people you are ready to invite. You are the boss!

27. Get Paid to Help People Learn a Language

Teachers on Italki set their own prices, teach only when they’re available, and work from home! And you’re not limited to only English. They’re also looking for people to teach Japanese, French, Italian, Spanish and more. You’re free to focus on teaching because the service handles scheduling, marketing, payments and so on.

28. Teach an Online Course

Transform your knowledge and expertise into an online course and get paid well for it! You can teach anything you like… from computer programming and Photoshop tricks, to creating mobile apps and expert photography! You set the price! Here are my favorite sites that offer online courses:

29. Get Paid to Test Websites

Companies as well as individuals (myself included) routinely look for feedback on the usability of their websites. And now you can make money doing just that! My favorite service, UserTesting pays their testers $10 for every 20 minute session they complete! Click here for a list of sites where you can create an account and start earning cash right away.

30. Write Product Reviews for Cash

Do you always have an opinion about everything? Well, now you can make some extra cash sharing it! Epinions.com and ReviewStream.com are two sites that will pay you to write product reviews.

31. Tutor or Give Lessons

Are you fluent in another language, a math genius, talented chef, a gifted harpist, or a professional skateboarder? Whatever you’re a pro at, there’s always someone out there who could use your help! Advertise your skills on Craigslist and make some extra cash doing what you’re already great at!

32. Get Paid to Share Your Opinion

Earn cash and rewards for taking surveys! It may not make you a millionaire, but that’s extra cash you can earn for just a few minutes of your time! Here are three sites I’ve successfully registered to report back on this article, and have earned a few bucks already:

  • Swagbucks – There is no limit to the amount of Swagbucks you can earn, and they can be redeemed for gift cards to just about anywhere.
  • Opinion Outpost – They offer rewards via Amazon or iTunes Gift Cards or cash deposited into your Paypal account. Plus every entry enters you into a $10,000 quarterly prize draw!
  • Vindale Research – Review products and take simple online surveys. They pay up to $75 per survey/review!

Make money by helping the world:

33. Rent Out Your Car

Make extra cash renting out your car with Turo! Perfect if you have a second car that’s usually sitting in the garage. Even better… get paid for renting out your car while you’re away on vacation! You control the price and availability and you decide who rents your car. Your car is covered by their $1,000,000 liability policy during every rental, covering any damage to or theft from your car, with no out-of-pocket expenses. Each renter is thoroughly screened for your safety.

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34. Rent Out Your Driveway or Garage

I had no idea my driveway could be a source of income! If you have space in your garage or driveway, JustPark might be for you. Listing your parking space is totally free, and you choose the dates your space is available, as well as the amount you would like to receive per day, week, and month.

35. Rent Out a Room in Your Home or Apartment for Cash

Listing your space on Airbnb is free. You set the price, your availability, and reservation requirements for your guests. You can also set custom prices to earn more during popular travel seasons! You can review each potential guest’s profiles and the reviews they’ve received to help you accept a booking only if you’re 100% comfortable. Their support team is available 24 hours a day, and every eligible booking is covered by their Host Guarantee at no additional cost to you.

36. Get Paid for Being a Friend

Whoever said money can’t buy friendship has never heard of Rent a Friend! I’m not even kidding. You go to their website and offer your friendship for $10 to $50 per hour. You set your own price and what types of activities you’re available for! The website clearly states that it is NOT a dating site, but a service offering companionship; someone to show you around an unfamiliar town, for example.

It’s not something you can really do from home, unless what you’re offering is home-based, such as teaching your “new friend” to bake or scrapbook from your home (not something I’d personally recommend). However, earning money to show someone the best local restaurants for a few hours or helping them shop for gifts isn’t such a bad way to make extra cash while the kids are at school! Some users claim to earn over $2000 a week full time, and others who just work on the weekends and make $500.

37. Drive People Around for $35/hour

That’s how much you can make with Lyft, a service that eliminates the need to use taxis. You drive your own car, set your own working hours, and earn $35 per hour.

38. Drop Shipping = No Inventory and No Overhead

This is such a simple and cost effective solution for bringing in some extra cash. I’ve personally tried this in the past, and will probably have my teenage son experiment with this too! Here’s how it works:

  1. Choose a product to sell online, like Ebay (let’s say it’s a computer mouse that costs you $2)
  2. Mark up the price and list it for $15
  3. When it’s sold, you send the drop shipper your buyer’s information, including the $2. You keep the remaining $13!
  4. Drop shipper ships it directly to your customer!
  5. Rinse and repeat!
  6. Here’s a big list of drop shippers for a huge variety of products that you can search through!

39. Babysit

Yes, I know you have kids of your own, but look at it as getting paid to host a playdate! You’re a terrific parent and a wonderful caregiver, so if this is something you think you might enjoy trying, why not get paid for it? Advertise your babysitting services for free on SitterCity and Care.

40. Recycle Your Old Mobile Devices

Did you know that you can actually get cash for your old cell phones? You know you’ve got a couple hidden somewhere. I dug up an old iPhone, a couple of Motorolas, a Nokia, and a Blackberry… let’s see what you can find! Check out how much your ancient phone is worth on Gazelle!

There you have it! This list should be more than enough to keep you busy making money! Happy earning!

More by this author

Carmen Sakurai

Mental Declutter, Stress Management & Burnout Prevention Coach. Feeling Stuck? Overwhelmed & No Energy? Let's Talk!

35 Books on Productivity and Organizational Skills for an Effective Life 40 Flexible Ways for Stay At Home Moms and Dads to Earn Real Money 20 Common Habits Successful People Consciously Reject 24 Signs You’re An Introvert- Not Shy 10 Compassionate Ways to Support Loved Ones Suffering from Depression

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Last Updated on July 10, 2020

The Definitive Guide to Get out of Debt Fast (and Forever)

The Definitive Guide to Get out of Debt Fast (and Forever)

Debt can feel crushing, like a weight that is always weighing you down. Looking at those numbers, it can feel as if you’ll never get out from under it. However, if you really want to learn how to get out of debt, it is possible with a great deal of focus and self-control.

Getting out of debt isn’t impossible. Like any big goal, all that it takes is an action plan to identify where you are and creating a plan to zero out your debt.

Identifying All of Your Debts

The first part of paying off your debt is getting a complete picture of what you owe. When you have everything written out in front of you, it makes it much easier to create an action plan. Depending on how much you owe, it might also help you realize it’s not as bad you might have originally thought.

Here’s how you can get started identifying your debts:

1. Own Your Debt

Before you start identifying all of your debts, take a moment to process that you have debt but want to get out of it.

Forgive yourself for any past mistakes, missed payments, or overspending. It might be painful to accept how much debt you have at first, but you must own it.

2. Make a Debt Tracker

It’s astonishing how few people ever created a tracker to understand their total debts. Most likely, it comes from not wanting to accept the guilt of having debt, but, if avoided, it can make it nearly impossible to get out of debt.

Open up a new Google or Microsoft Excel sheet and list out all of your debts. Start with the name of the creditor, interest rates, total balance, loan term length (if any), and the minimum amount due each payment. This will include student loans, credit cards, and any other type of debt owed.

3. Get Your Debt Number

Once you’ve made your debt tracker and taken the other steps, identify your total payoff number. This is crucial, as you will have a starting point and a clear goal that you are trying to achieve.

Prioritizing Your Debts

All debt is not created equal. It’s imperative to understand that there are different types of debt.

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1. Understand Bad and Good Debts

Bad debts are usually paying for things you want instead of always need. While there might be some emergencies that max out your credit cards, often times it’s excessive spending[1].

There are three main types of bad debt:

  • Credit Card Debt: The average American household owes over $16,000 in credit card debt!
  • Auto Loan Debt: According to CNBC , the average auto loan in the US is $30,032!
  • Consumer Loan Debt: Consumer loan debt isn’t as common as credit card and auto loan debt, but it’s still considered bad as interest rates are usually between 10-28%.

Good debt is identified as investments in your future. Here are three common types of good debt:

  • Student Loan Debt
  • Mortgage Loan
  • Business Loans

2. Decide Which Debt to Pay off First

Once you know each type of debt and their interest rates, you can begin to pay off debt quickly.

Focus on paying off bad debt first, regardless of if it is a credit card or auto loan. Start by paying off the loan with the highest interest rate first.

If you have several credit cards with different interest rates, you want to focus on the one with a higher APR. You will actually save more money by eliminating the card with the highest interest rate.

3. Don’t Pay the Minimum Amount

Paying the minimum amount digs you into a hole as interest rates will offset your payment. Even a small amount more than the minimum can help you pay off debt much faster.

Removing Obstacles to Pay off Debt Quickly

Creating a debt tracker and prioritizing a plan is simple, but avoiding temptation can be difficult.

1. Set a Reminder to Track Your Debt

“If you can’t measure it you can’t manage it.” -Peter Drucker

It’s so important to track your debt to ensure that you get it paid off quickly. Similar to working out and measuring your results, you need to track your debt constantly. Start with a weekly reminder, where you sign on and log your updated number. Did you increase, decrease, or stay the same?

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Regularly tracking your student loan balance can be incredibly motivating, as well. You will get a huge confidence boost each time you see your total debt amount decreases.

Set weekly and monthly goals so you can have short term wins and keep the momentum going.

2. Hide Your Credit Cards

If your biggest debt is credit cards, you need to eliminate temptation and remove them from your wallet.

Some people have gone to extreme measures by freezing their credit cards. Why? This would create an ice block around your card, which would require you to chip away at it slowly. This will give you time to think if it’s the best idea to buy that thing you’re about to buy.

3. Automate Everything

Willpower can be a huge downfall to paying off your debt. By automating your bills each month, you will ensure that willpower isn’t involved.

4. Plan Ahead

Getting out of debt will require some sacrifices, but with enough planning, you can make it work.

For example, if you know that you have a friend’s birthday or family dinner coming up, plan ahead for the costs. Whether you need to cut back on spending the week before, pick up a side job, or meet them after dinner, do what is needed.

5. Live Cheaply

The only way to get out of debt is to make some sacrifices on your spending habits. Find ways to save money each month so you can apply that amount to your outstanding debts. Here are some ways to save money each month:

  • Live with roommates
  • Cook dinners and prepare lunches for work instead of eating out
  • Cut cable and choose Netflix or Amazon Prime
  • Take public transit or bike to work

Finding the Lowest Interest Rates

The higher your interest rates, the harder (and longer) it will take you to pay off any debt.

If possible, you want to find ways to lower your interest rates to help get out of debt quickly. Here’s how you can get started:

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1. Maintain a High Credit Score

Your credit score will have a large impact on your ability to refinance your loans and receive a lower interest rate. If you have a low credit score, it’s unlikely you will be able to refinance your loans. Use these credit tips to increase and maintain an excellent score:

  • Never miss a payment
  • Don’t exceed 30% of your credit limit
  • Don’t sign up for more than one card at once
  • Limit hard inquires, like auto-loans and new credit cards
  • Monitor frequently with free credit-tracking software

2. Find Balance Transfer Offers

Start by opening a free account on credit.com. Credit.com offers you the chance to open a free account and see what type of balance transfer offers you can receive. Some of your existing credit cards might already have 0% or lower APR balance transfer offers available.

Contact each of your credit card providers to ask about lowering your rate for a one-time balance transfer offer[2].

If you do take advantage of this option, make sure that you use a balance transfer and not a cash advance. Cash advances have a ton of high interest fees (15-25%, depending on your credit card) and will only compound your debt problem.

How to Get Rid of Debt Forever

Setting up a plan, removing temptations, and getting the lowest interest rates is the first step to get out of debt.

1. Keep Monitoring and Adjusting

Once you have a plan, don’t get comfortable. Track your debt payoff plan and make the necessary adjustments when needed.

Monitor your credit scores with a free site like CreditKarma. The higher your credit score climbs, the more likely you will be to secure a new, lower-interest loan.

2. Earn More Money

There are only so many ways to save money. Instead of clipping another coupon or making sacrifices for your morning coffee, find ways to earn more money!

Think about it…it is much easier to find ways to earn an extra $1,000 per month than find $1,000 to cut from your budget.

Here are some examples of ways to earn more money:

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Talk to Your Boss

Have a conversation with your boss about current salary and/or commission rates. If you’re not satisfied or want a change, don’t be afraid to look around at other positions. Some of them might even have a student loan debt reimbursement plan!

Start a Side Hustle

This could be coaching students on the weekends, driving for Uber, or taking paid online surveys. There are tons of ways to make money outside your 9-5. Now that you have a clear plan to pay off your debts, you’ll be more motivated than ever to figure out creative new ways to earn money.

Build an Online Business

There are so many websites and blogs that earn money from ads, affiliates, and other online products. Find your niche and get started.

3. Celebrate Your Wins

As you progress in your debt payoff journey, don’t forget to celebrate your wins. You need to always reward yourself for the hard work and discipline that is required to get out of debt.

While you shouldn’t celebrate so big that it increases debt, make sure to factor in little rewards to keep you motivated.

4. Set New Financial Goals

Eventually, with a plan and these steps, you can rid yourself of your debt. Once you do, make sure to celebrate your monumental achievement, but don’t stop there.

Now, you can focus on acquiring wealth and increasing your net worth. Set new financial goals so you have a new target to aim toward. Here’s how to set financial goals and actually meet them.

These could be anything now that you are debt free! Think about where you want to travel, buying your first home, or saving for your future retirement. Just like before, make sure that your goals are specific, measurable, and achievable.

Conclusion

Congrats, you can now set a plan in motion to finally pay off your debt quickly (and hopefully forever)!

Remember, if you want to get out of debt quickly, it’s not always easy. Just like any big goal, there will be sacrifices, challenges, and problems to overcome.

More Tips on Getting out of Debt

Featured photo credit: Pepi Stojanovski via unsplash.com

Reference

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