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Whenever someone tells me they want to get started working from home my answer is almost always the same – start on the side.

And these 10 flexible, part time work from home jobs are perfect for getting started on the side.

They’re also perfect if you’re already working a part time job and need another to pay the bills, are looking to supplement your current income, or just want a job you can do when you feel like it.

Some of these jobs allow you to work whenever you want while other wills require a specific amount of part time hours.

Teach ESL with VIPKID

VIPKID is a company that contracts teachers to teach Chinese kids English. The schedule is flexible and you get to pick what times you want to work.

Teachers are recommended to be available at least 7.5 hours per week which would be the equivalent of teaching fifteen 30 minute sessions. There are no caps on the maximum amount of hours you can work – but it may take a little while for you to build up a good flow of students to teach.

(VIPKID will provide lesson plans for you.)

The pay ranges from $14-$22 per hour. Teachers are paid via direct deposit between the 10th and 15th of every month.

Here are the requirements to become a teacher with VIPKID:

  • Must have a bachelor’s degree in any field
  • One years’ experience in teaching or relevant experience such as tutoring, mentoring, or alternative education
  • Must be eligible to work in the US or Canada

If you’re hired you do have to sign a six month contract. After the six months is up contracts can be renewed. You can apply to be a teacher here.

Transcription, Captioning, and Translation with Rev.com

Rev.com is a transcription and translation company that is almost always hiring freelancers.

With Rev you can apply to be a transcriptionist, captioner, or a translator. The schedule is completely flexible with work being done on a first come, first serve basis. Payment is made weekly via PayPal.

The pay for the different job options are as follows:

  • Transcription – $0.40 – $0.60 per audio minute
  • Captioning – $0.40 – $0.75 per video minute
  • Translation – $0.05 – $0.07 per word

You can apply for a position with Rev.com here.

Search Engine Evaluation with Leapforce

Leapforce hires independent agents to quality check search engine results. The job requires a familiarity with Google and its products and good research skills.

You must take and pass a three part qualification exam to become an agent with Leapforce. Payment is made on a net-30 basis.

According to GlassDoor average pay for this position is around $13-$14/hour.

You can submit an application to become a search engine evaluator here.

Virtual Assistant Work with Fancy Hands

Fancy Hands is a company that connects US based virtual assistants with people and businesses needing help. This site is great for anyone who wants to be able to work on a moment’s notices without any type of set schedule at all.

With Fancy Hands you’re paid on a per task basis. Pay starts at $3-$7 per task, depending on the task.

Some of the common tasks you’ll find are:

  • Data entry
  • Making phone calls on behalf of someone
  • Making reservations
  • Finding the best price on something

You can sign up to be an assistant with Fancy Hands here.

Drive for Uber or Lyft

If you live in a city and have a dependable car that meets the minimum standards of Uber or Lyft you can drive as a part-time gig.

The beauty of driving with Uber and Lyft is that it’s 100% flexible to your schedule.

You can sign up to be a driver with Uber here and with Lyft here.

Become a Stylist for Stitch Fix

Stitch Fix is a subscription company that hires stylists to pick out clothing for its customers. Stitch Fix’s stylists are from-home contract workers!

To become a Stitch Fix stylist you will have to go through some in person training so you’ll need to reside near one of these cities:

  • Austin
  • Cleveland
  • Dallas
  • Minneapolis
  • Los Angeles
  • Pittsburgh
  • Sacramento
  • San Diego
  • San Fransisco

Hours generally range from 15-30 per week with pay around $14-$16 per hour. You can read more about working with Stitch Fix here or apply here.

Test Websites

Website testing is when someone records themselves using a website for the first time. This helps companies get an idea of what user experience is like and what needs improved.

Website testing can be a fun way to earn extra money and for the time it takes it’s a pretty good paying gig.

Average pay is around $10 for a 20 minute test. The downside is that the work is not consistent.

If you’re interested in testing websites you can sign up with these companies:

  • User Zoom
  • User Testing
  • UserBrain
  • UserLytics
  • Enroll App
  • User Feel
  • U Test

You can read more about the specific pay and criteria you need to meet for each of these companies here.

Achieve Test Prep (Multiple, Varied Positions)

Achieve Trest Prep is an online program that helps college students test out of college courses.

They offer both full time and part time, flexible work from home jobs in a number of different areas. Some of the part time openings they currently have are:

  • Transcriptionist
  • Nursing Prep Instructor
  • Administrative Assistant
  • PHP Moodle Programmer
  • Operations Specialist

Hours, schedule, and pay will vary depending on the position. You can see a full list of their available job openings here.

Answer Questions with Wonder

Wonder is a site where people can ask questions that normally need researched before answered. As an analyst with Wonder you’d be performing the research to answer those questions.

With Wonder you can work whenever you want. The pay is per question and varies depending on the complexity of the question.

To get started with Wonder you can put in an application here.

Freelance Jobs that Are Very Flexible

Freelancing is working for someone on a contract basis rather than as an employee. As a freelancer you’ll generally need to find your clients. However, freelancing can have a MUCH higher earning potential than many of the other work at home jobs you’ll find.

Also, freelancing is super flexible as you can generally set your own hours and work whenever you want as long as you get your work completed.

Here are three good options:

Writing – There are TONS of writing opportunities available online. I personally got started by finding my own clients using this method. You can also check out the Pro Blogger Job Board for writing openings or look at one of these sites that pay per article.

Virtual Assisting – Virtual Assisting is another fun and very flexible job you can do part time. Here’s how I got started.

Proofreading – Proofreading can be a great supplemental gig (or even a full-time job.) My friend, Caitlin Pyle, has a free Webinar on general proofreading if you want to learn more.

Other Ways to Find Part Time Work from Home Jobs

There are many companies who hire for part time work from home jobs. If there’s nothing on this list that quite fits your skillset I recommend checking out Indeed.com and entering “remote” in the location section.

You can also check out these job boards to find freelance job openings.

The post 10 Flexible, Part Time Work from Home Jobs appeared first on Single Moms Income.

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Paying off debt is a major undertaking. It’s a huge commitment that requires planning and making sacrifices. Trust me, I understand.

My husband and I have dealt with student loans, car loans, credit card debt, you name it. It’s been quite the journey but we are finally getting ahead and enjoying the fruits of all our hard work.

We’ve had some really bad days. Sometimes it can feel like you’ll never pay off your debt and everywhere you turn, experts will be telling you to make sacrifices. The Dave Ramsey’s of the world will preach against dining out, going on vacation, buying a new car, and just living your life.

It’s not the nicest thing to hear but it’s completely understandable. In order to become debt free, you’ll have to cut back and live differently. You can’t continue living the lifestyle that got you into debt in the first place.

However, paying off debt can be stressful and draining. It’s important to hold on to some things for your mental health, comfort, and sanity. Here are 6 things you don’t have to give up to pay off debt.

1. Fun

Everyone defines “fun” differently, but depending on your preferences and creativity, it doesn’t really cost much to have fun so why cut it out just because you’re in debt?

Make a list of all the things you like to do for fun, then figure out how you can make some hobbies and activities more affordable. If you like to attend sporting events, you can look at tickets to see local teams instead of professional ones.

If you like bowling or going to the movies, figure out when the discount days to stretch your dollar. Go to free events in your area, get outside during the summer, or check out free or discount days for museums and the local zoo.

I’m not going to lie, during my aggressive debt pay-off days, I spent many nights at home even on weekends. I still made it fun by hosting friends and family, renting movies from the library, or playing video games with my son and husband. Our apartment has a pool so during the summer, we’d spend some afternoons there or ride bikes.

2. Happiness

Many people believe that paying off debt means they have to lead an unhappy life. Some may fear that if they seem happy during this stage, they may not crave debt freedom enough.

Give yourself permission to be happy no matter what your situation looks like. Happiness is a choice and you are
free to be happy or miserable. Make the most of each day. Treat yourself every now and then, especially when you hit a financial milestone.

I like to adopt the concept of ‘enjoying the journey’. This involves having a more positive attitude and being grateful for the good and bad. Find happiness in the people and world around you and realize that your debt doesn’t define you.

3. Health

Debt often brings a lot of stress and anxiety into your life. You will need to take extra good care of your body so it can deal with the stress.

Does this mean you have to run out and buy a gym membership? No. Do you have to purchase your groceries at fancy organic shopping marts? Nope.

You can still exercise and eat healthy meals without spending lavishly. Start by getting in more daily movement whether it involves going for a bike ride or taking brisk walks around the neighborhood. Be conscious of your portion sizes and incorporate more fruits and veggies into your diet.

Be mindful that what in (or not in) your bank account doesn’t matter if you don’t have your health. You can’t provide for your family or be around long-term if you don’t take care of yourself first.

4. Your Dreams

Dream big. I know that sounds like a corny poster, but it’s true. Don’t ever let debt or any other obstacle stop you from going after your dreams. Money is a common dream-killer. Debt doesn’t have to be forever.

If your dream is to become an entrepreneur, realize that you can start an online business for cheap these days.

Even if you can’t afford to invest much in your dreams due to debt, start small and spend time doing your research and developing your skills. Volunteer or barter your time and services for resources or mentorship.

Get creative and only allow debt to slightly change your timeline and not discourage you from fulfilling your dreams entirely.

5. Adventure

If you’re deep in debt, people may tell you not to even think about traveling. You don’t need to jump on an airplane and spend two weeks in a foreign country to have an adventure.

There are plenty of great adventures to be had. Look around you. Explore your neighborhood, go on a hike, stop by a national park or visit a family member in a nearby state.

6. Laughter

You may be hustling hard to makes extra money to pay down more debt, but don’t forget to slow down and enjoy a few laughs. This goes right along with being intentional with your happiness no matter what.

Make sure you find humor and joy in your life. Laughter is a gift and it can be very therapuetic.. As Robert Frost once said, “If we couldn’t laugh, we would all go insane”.

What’s the biggest sacrifice you’ve made while paying off your debt? What have you learned or discovered while paying off debt?

The post 6 Things You Don’t Have to Give Up to Pay Off Debt appeared first on Single Moms Income.

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Last week I had a no spend week and it’s obviously the absolute best way to save money and reset your finances. Being able to save money is crucial if you want to improve your finances, pay off debt, and build wealth.

While I feel so many people get consumed with digesting unique saving hacks or tips and downloading the top ranking financial apps, they tend to overlook one of the easiest solutions – stop spending money.

Having a no spend week, no spend weekend, or even a no spend day can significantly impact your money management habits while allowing you to hold on to more of your hard-earned money.

Yet and still, it can be difficult to go cold turkey with your spending for several days. Here are some of my top tips for having a successful and effective no spend week.

Set Your Goal

It helps to have a clear goal in mind when considering a no spend week. What do you hope to achieve? You’re probably looking to save more money but why?

Narrowing down your goal can help motivate you during tough moments of temptation during the process. For my recent no spend week, my goal was to reel in my spending so I could save more for some exciting goals.

For starters, we are getting closer to getting a house this year and only have to find one we like and get our offered accepted to move forward. I’m also planning some trips later in the year and would like to get back into playing the drums which is something I did a long time ago.

These exciting interests and activities have motivated me to want to save more. After tracking my spending recently, I noticed that I’d been wasting quite a bit of money on frivolous spending so taking some time off from making those purchases sounded like a great idea.

Set Your Rules

Once you have your goal(s) in place, you want to set your rules for your no spend week. Some people misinterpret what a no spend week is. Sure, it’s a period of time when you don’t spend money but that doesn’t have to apply for every expense.

For example, during my no spend week I allow myself to spend money only when it’s for bills, gas for my car, or other necessities that I budget for.

I avoid non-necessity spending, but if my rent or car insurance happens to be due during a no spend week, I simply pay it. I also try do my regular grocery shopping before the week starts so I won’t have to worry about going to any stores.

Your preferences might be different and that’s why you should set rules that make you feel comfortable and bring you closer to meeting your goal.

Work on Mindset and Avoiding Triggers

You must have the right mindset to succeed with a no spend week. You’ll be committing to doing something that may seem unnatural in the beginning. As humans, we are generally faced with expenses every day and tend to freely spend money throughout the day.

It’s definitely a challenge to have a no spend week but you can’t go into it thinking you’re going to fail. If you tell yourself it’s too difficult, you will start to dread it and give in quickly.

Instead, embrace the experience with positivity and think about the benefits of successfully completing the no spend week. I like to track my spending for 2-3 weeks prior before getting started so I have an idea of how much I’ll save by not spending on extra expenses.

It also helps to identify and avoid your spending triggers. If it’s easier for you to spend at a certain store, avoid it for the time being or unsubscribe from certain retailers if you tend to shop excessively online.

Also, consider taking your debit cards out of your wallet and only carrying a small amount of emergency cash when you go out so long as you have enough fuel in your car and aren’t traveling too far.

Eliminating the option to spend money will make it easier on you and allow you to realize that you can get through the day without spending a dime.

Get Creatvie

The one thing I love about no spend weeks is that it allows me to get more creative with how I do things and rely on the tools and resources I already have.

My husband is one of those people who likes to rush out and buy things we may already have at home without looking. I’m one of those people who likes to whip out my card to make an impulse purchase because I didn’t plan or prepare well in advance.

Having a no spend week eliminates those options so you just have to be creative and work with what you have. This could mean trying out new recipes to diversify your meals, making gifts, and finding new ways to entertain yourself.

I usually come up with a few new recipe ideas after cooking up whatever is in my pantry and we embrace free entertainment or keep busy by working on other projects.

The creative ideas you come up with during your no spend week will continue to help you save money long after the week is over.

Make It a Fun Challenge

If you believe doing a no spend week is hard, you’ll never be successful with it. It helps to make it more fun and tolerable.

You can do this by turning it into a challenge and inviting other people to join. My husband and I usually do no spend weeks together so we can support each other and hold each other accountable.

My last no spend week was run as a challenge with several other people in my Facebook group so we could share tips and ideas. Telling other people about what you’re doing and inviting them to join in is an easy way to make the time more enjoyable.

Have you ever had a no spend week? What rules would you set for your next one?

The post How to Successfully Have a No Spend Week appeared first on Single Moms Income.

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Chances are if you’ve ever read Rich Dad Poor Dad or browsed through early retirement blogs, you’ve thought quite a bit about passive income! I know I surely have.

The thing I like about passive income is that contrary to what many believe it’s NOT limited to just investing in stocks and bonds. There are plenty of ways to earn online passive income for those of us willing to put in the work.

If you’re looking to build up a passive business model here are some online passive income ideas. But first, let’s be clear about what we mean when we say passive income……..

What Passive Income Is and Is NOT

Passive income is money that you earn without trading your hours directly for dollars. You can earn it after either putting up a substantial amount of money or time.

For instance, if you invested $10,000 in an index fund that earns 8% you’d make $800 per year without lifting a finger. But to do this you had to put up the $10,000. This example would be using money to earn passive income.

Here’s another example – you wrote 5 eBooks on related topics. You put those eBooks up for sale on Amazon’s Kindle publishing program. You spent 200 hours writing those books and they’re now for sale for $5.99/piece. Over the next two years you earn $500 per month from your books without ever having to do any more work. This example would be investing upfront time to earn passive income.

Now that’s out of the way let’s look at some ways to make passive income happen.

Write Books

If you have a knack for writing, selling eBooks is one possible passive income source.

The thing I love about selling eBooks is that after a book is written it can potentially keep earning you money for years down the road. However, it seems that the most successful self-published authors write many books on related topics.

Steve Scott for example earned $30,000 – $50,000 per month selling eBooks in 2014. (This is when he was still publishing income reports.) To get to this number he wrote many eBooks on related topics. (At the time his two main topics were habits and internet marketing.)

Writing ebooks is not just limited to non-fiction writers. I have a family member who makes a living self-publishing novellas in the young adult category. (Check her books out here.)

Here are some places you can sell eBooks or print on-demand books online:

  • Amazon KDP
  • Your Own Website
  • Clickbank
  • Audible (Audio versions of your book.)
  • Barnes & Noble

If you decide to try your hand at writing eBooks it’s important to remember that you’re going to have to put in a lot of work upfront. This work will include writing the book, having the book edited, having a cover design created, uploading the book to online stores and possibly marketing as well.

If you want to get started with eBook creation I recommend you read Write.Publish.Repeat. or checkout Steve Scott’s Authority Publishing Podcast.

License Photos

Have a passion for photography or thousands of photos sitting on your hard drive? If so, you can license your photos.

There are 1 billion websites on the internet. (Yes, billion with a “b.”) And a good majority of these sites use some type of stock photography. Because stock photography is in demand there are plenty of places for amateur photographers to sell stock photos.

Here are just a few:

The money you make per photo isn’t going to amount to very much. That’s why when it comes to selling stock photos you’ll generally need to have a bunch of high quality images for sale.

Buy an Existing, Profitable Website

The hardest thing about making money with a website is getting it to a point where it actually makes money. It takes a TON of time and hard work. (This is why I don’t really consider blogging to be passive which you can read about below.)

However, you can bypass much of the hard work and time needed by purchasing an existing, profitable website. To make this passive you’d need to hire independent contractors to handle the operations of the website. (Some websites will require work on a daily basis while others can get away with weekly work. It all depends on what type of site you’re wanting to buy.)

The cons of buying an existing website is that nothing is guaranteed. You could buy a profitable website and then next week Google could change its algorithms and all of your traffic and profits could be gone. This is why I only recommend buying websites to those who have plenty of experience in this field.

If you’re interested in buying a website a great place to check out is Flippa.

Create an Online Course

Online courses can be a great way to earn semi-passively if you have knowledge in a specific area and are comfortable creating videos and lessons.

There will be a good amount of work upfront to get the material for your course created. The amount of work going forward will depend upon whether you hold live Q&A’s and how much interaction you’ll need to make with your course recipients.

You can sell your course through a platform like Udemy.com or Teachable.com or do so on your own website.

Create an App (Or Have Someone Else Create It)

Just a few years ago creating an app could cost hundreds of thousands of dollars or more. Today, though, app creation has become less expensive if you’re willing to hire a freelancer or do it yourself.

Like anything else, if you have a great idea creating an app could be a great way to earn passive income (or could completely flop.)

Here’s a very in-depth article from Code with Chris detailing seven ways to create an app or have one created for you.

Design T-Shirts

Back in 2015 I was listening to a podcast on Side Hustle Nation where a man, Benny Hsu, had earned six figures in six months designing t-shirts on Teespring. And I loved what he was doing.

In case you’ve never heard of it, Teespring is sort of like a Kickstarter for t-shirts. Anyone can go in and design a t-shirt and then put it up for sale. If the t-shirt you designed reaches the minimum number of sales it will be printed and shipped (at no cost to you.) You’ll then receive part of the profit for each shirt. If the t-shirt doesn’t reach the minimum order then no one who opted to buy the shirt will be charged.

Getting started with Teespring will require you comping up with different t-shirt designs and then promoting them so you can get sales. (Benny used Facebook ads to promote his t-shirt designs but his first 21 designs were total flops!)

Creating a t-shirt business will require a lot of upfront work learning what designs sell and how to best market them. After that’s figured out this could be a very profitable business that needs just a few hours per week dedicated to it.

Start a Drop Shipping E-Commerce Business

Owning a drop shipping business involves setting up an e-commerce online store and allowing customers to purchase products from certain manufacturers on your site.

When an order is placed, the manufacturer will receive it and ship the product to your customer. As a result, you won’t have to go through the trouble of creating several products yourself. Your main responsibility will be legalizing your business first and taking care of the all marketing and getting the website up and running. Again, you can outsource these tasks to buy back your time.

You can read more about how Chonce’s sister set up a drop shipping business here.

Sell Digital Downloads on Etsy and Fiverr

If you’re good with Photoshop, Excel, or any other type of online image or editing software there are a number of different things you can sell on Etsy or Fiverr.

Budget binder printable, planners, wall art and more are all popular items to sell on these platforms. The beauty of selling digital downloads is that you can create them once and sell them over and over again.

FAQ: Is Blogging Passive Income?

What about blogging? Blogging is often touted as passive and parts of it are but it still requires a lot of work on a weekly basis. Because of this NO, I do not consider blogging to be passive.

I spend about 20 hours per week on this blog. Last year I earned an average of $6,250 net profit per month. (My income after all expenses but before taxes.)

There are certain ways that you can incorporate passive income into blogging:

I think one of the main reasons that blogging is often put on passive income idea lists is because you don’t have to directly trade your time for money.

While I love making a living through blogging there are only small parts that I’d consider passive. If you’re interested in blogging you can read the top five ways to earn from a blog here.

Let’s Remember, Passive Does Not Mean Easy to Get Started

Let’s be real – I love the idea of passive income just as much as the next girl. BUT just because the sound of passive income is nice (and it is) doesn’t mean that it’s easy.

Creating passive income will take either a big financial investment, time investment or a little bit of both. And it’s important to remember, that at the end of the day there are no guarantees.

By all means go out and create yourself some passive income just perform your due diligence beforehand. Don’t go out and invest your time or money on a whim. Do your research first.

What type of online passive income ideas have you tried out?

The post 9 Online Passive Income Ideas appeared first on Single Moms Income.

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There is no doubt that Fiverr is the largest source of outsourced services and micro jobs on the web right now. Thanks to good marketing and advertising, it is hard to find someone who doesn’t know about Fiverr yet.

Thousands of businesses and individuals go to Fiverr in search of different services including graphic design, content writing, translation, video and audio editing, consulting, and more.

As Fiverr continues to grow, the client base continues to increase, leading to more demand for various services. Due to this, there is a great opportunity for you to make some real money selling your services on Fiverr. And yes, you can make much more than $5 per gig.

However, if you are going to be successful, there are some things you should know first to optimize your experience.

Offer an In-Demand Service

You need to offer a service that is in high demand if you want to start booking lots of work. While some services are very over-saturated, you also don’t want to offer a service that has low competition but no demand.

Examples of profitable service offerings include: copywriting, SEO, editing, programming, graphic design, and web design.

If you possess a highly demanded skill and are good at it, you’re off to a really good start and just need to work on marketing and include the quality of your work.

Offer High Quality Work

Quality is the key to succeeding on Fiverr. While the services may be affordable, customers really want quality work and are willing to pay extra or wait longer for it. Don’t allow yourself to feel rushed or skimp on quality because you won’t get good reviews that way.

If you have one client and you offer good work, chances are that he/she will come back to you. If you offer a better service the second time, your client will tell his/her friends about your incredible services. Offer good work, and you are guaranteed of earning a decent income on Fiverr.

Get Lot’s of 5-Star Reviews

Reviews are very important on Fiverr. If you don’t have any or have an average rating, people may be reluctant to buy from you and will go to your competitors instead.

By providing a high-quality service, you can get more 5-star reviews. Reviews are everything on Fiverr and your seller’s page will be ranked in your niche based on the amount of 5-star reviews you have. This is why it’s always best to respond quickly to customers and offer to provide a revision after completing the project to ensure they are 100% satisfied with your work.

Proper communication and making sure you understand the directions will help ensure you get a positive review each time.

Keep Your Gigs Quick

This is a great point that most people tend to ignore. If it takes you hours to do a $5 or $10 task, then you are going to earn very little money on Fiverr. Whatever service you wish to offer on Fiverr, it should take you less time to complete and you should be really good at it so you don’t have to sacrifice quality.

By keeping gigs short and to the point so you can solve one specific problem, you can make more money and have a better workflow.

Don’t Be Afraid to Upsell

Upselling on Fiverr is allowed. This means you can sell extra services to add to your gigs in order to charge more.

This is why the most successful sellers on Fiverr offer a basic gig for $5, then they add on services and revisions for extra. For example, if you’re an editor, you can offer to edit 300 words of content for someone for $5 but charge more to edit longer forms of content.

Another easy way to upsell is to offer a standard package and a priority package where customers can pay more to receive faster delivery.

Pitch Well on Your Profile

Look at your Fiverr gig as an advertisement. You need to ensure that it is well-written. Your title should be unique and captivating. Your gig description should ensure that the person reading it is well informed about your service.

When writing your pitch, be professional and don’t make petty spelling and grammatical mistakes. Try adding nice photos or even a welcome video to your profile along with a few samples of your work if applicable.

For example, if you create logos for brands and businesses, people are going to want to see some samples of your work before hiring you.

At the end of the day, Fiverr can be a massive goldmine if you set yourself up for success. You must use the right skills, strategies, and mindset along with implementing the specific strategies mentioned above to get seen and maximize your earnings.

Remember to take pride in whatever you do because referrals are gold. You can easily beat out the competition and subpar Fiverr sellers by simply doing a good job and being professional so customers can refer you to their friends.

Have you ever thought about selling a service on Fiverr? Why or why not?

The post The Ultimate Guide to Making More Money on Fiverr appeared first on Single Moms Income.

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It’s become quite clear to me that my kids, especially my oldest daughter, have developed entrepreneurial spirits. They become super excited by just the thought of setting up lemonade stands, preparing for yard sales, selling their old belongings and even extra (not-so-fun) chores they can earn money for.

There are huge benefits to getting kids thinking of ways to creatively earn money, even at a young age.

This creativity can help them with their earning potential clear into adulthood. On top of the earning side it also helps them develop people skills, problem solve, and learn how to manage money once they’ve earned it.

If you’re ready to spark an entrepreneurial interest in your kids or are just looking for some ideas here are 16 ways for kids to make money.

For Younger Kids

Right now my kids are still young(ish) at 7 and 8 years old. These are things we do or have done for them to earn extra money.

Have a Lemonade Stand

One of the most classic and perhaps, favorite among young kids is the lemonade stand. If you have a high traffic area where your kids can sell lemonade, cookies, cakes, or really, anything this is a fun option.

As a bonus having a lemonade stand will also teach your child math and customer service skills.

Sell Old Toys/Clothes

If your child is ready to let go of some of his belongings why not have him help you sell them? Sorting, organizing and then selling can be a fun project for you to do with your younger child. (If you have an older child they can still do this and you can take a slightly more hands-off approach.)

Here are some of my favorite places to sell kids clothes.

Perform Age Appropriate Chores

Chores – they may be boring but they’re still a way for kids to make money.

At my house my kids do NOT get paid for all chores. They’re expected to do the basics like keep their rooms clean and pick up after themselves. However, when they’re wanting to earn some extra money I’ll give them extra chores.

These chores might include:

  • Watering Flowers
  • Sweeping/Mopping Floors
  • Folding a Load of Laundry Every Night
  • Cleaning Bathrooms
  • Loading Dishwasher Every Night After Dinner

The chores and pay that you give your kids will vary depending on age and complexity.

My one big tip is not to overpay your kids. Ultimately what you pay your kids is up to you. However, if you give your kids way more money than a chores is worth (let’s say $20 for watering flowers) then that’s what they’ll come to expect from you every time they do a chore. If you pay a reasonable rate from the beginning your child will have better expectations in the long run.

Sell Produce

Grow a large garden? If so, you can set up a produce stand.

Even if you don’t normally garden you could set up a small garden this year with the help of your child and see if you get enough yield to sell extra. This can be a fun process for the family even if the garden flops.


Another tried and true way for kids to make money is by recycling! It doesn’t take much for kids to collect aluminum cans but doing so can give them a sense of pride and a way to earn a little cash.

For Older Kids/Teens

Older kids or teens might not be so into setting up a lemonade stand…. However, there’s plenty more ways for older kids to make money!

If you are a teen or a parent of one here are some money-making ideas. (If you are a teen reading this please get your parents’ permission before trying any of these ideas!)

Babysit/Be a Mother’s Helper

For older, responsible teens babysitting can be a fabulous way to earn extra money. If you can set yourself up as reliable and responsible babysitter you’ll be in high demand. Parents are always looking for good babysitters they can trust.

Mow Lawns

Mowing lawns is a great way to earn some extra cash in the summer. You can offer your services to your neighbors and have friends and family members help you locate new clients.

If you’re really dedicated to it you could some serious money with a landscape business this summer.

Shovel Snow

Along the lines of mowing lawns we also have shoveling snow. This is another service that can be offered to neighbors and family members.


Do you excel in a certain area of school? If so you can offer tutoring services. You can do this in person or online at place like Enroll if you are at least 15 years old.

Walk Dogs

Animal lover? Walking dogs or even pet sitting could be a great way for you to earn extra money. If you establish yourself as dependable and responsible you could build up a great business.

Manage Social Media for Businesses

Many small business owners are clueless as how to run their social media channels. If you’re good at social media you could make a nice income providing services to small businesses.

Sell Stuff

When it comes to selling stuff there’s really a lot that you can do.

First off, you can go through your old items and try selling them online. This, of course, will only earn you money one time around.

The second option is to help family members sell their stuff online – this is a great service you can offer to not so tech-savvy family members. (Just make sure you ALWAYS have a parent with you when dealing with and meeting potential buyers.)

Your third option is to find things at yard sales and thrift stores and try selling for a profit on sites like eBay.

Wash/Detail Cars

If you’re into cleaning and pay attention to detail then cleaning and detailing cars could be a good fit. If you do a good job you shouldn’t have a hard time finding additional clients.

Online Options (13+ Years Old)

Looking for online options? Here are some easy ways to earns for kids who are 13+. (Parents’ permission will be needed for all of these!)

Search & Watch Videos with Swagbucks

Swagbucks is a site that rewards it’s users with “SB.” These SB’s can be cashed in for gift cards or Paypal cash.

There are several ways you can earn with Swagbucks. You can use their search engine (just like you would Google,) complete special offers, take surveys, watch videos, play games and more.

Swagbucks is one of my favorite easy ways to earn online and is 100% legit. You can sign up here.

Complete Offers with CashCrate

CashCrate is another fun and easy way to earn. With this site you can get paid to try new products and services, participate in research surveys, shop online and refer friends.

You can sign up with CashCrate here.

Become a Reviewer with Slice the Pie

Slice the Pie is a company that pays reviewers to review music, clothing, commercials and more, all before they’re released to the public.

The pay you receive from Slice the Pie depends upon how detailed of a review you leave. You can also earn extra money by referring your friends. You can sign up here.

Help Your Kids Sharpen Their Earning Skills

Whether your kids are younger or older there are plenty of ways for them to earn.

By helping your kid start her own business or looking for easy ways to earn you’re helping to teach entrepreneurial and money management skills that can last a lifetime.

What ways have  you helped your kids earn money?

Photo Credit: ruthblack and oksun70

The post 16 Ways for Kids to Make Money appeared first on Single Moms Income.

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Running an online business can be super flexible and easier to start because start-up costs tend to be lower. However, if you have a great online business idea or even want to start freelancing on the side, don’t get the impression that you’ll be able to start and maintain your business for next to nothing.

There are still quite a few expenses to consider when you launch an online business like licenses and certifications, setting up your website, branding, inventory and office materials, etc.

On top of that, there are quite a few hidden costs that you have to consider as well as costs you might underestimate. I’m well over my first year of running an online business and here are 4 hidden costs you need to know about.

1. Administrative

It’s a given that you’ll have to pay some administrative fees when you start your online business, but it’s easy to forget some of the key expenses you’ll have to cover.

Hidden administrative expenses I’ve had to deal with include invoicing and accounting software. You may be able to track your income and expenses and use PayPal to invoice for free in the beginning, but paying for these services as you grow your business will help you manage your finances better and get more organized.

Other expenses can include your phone, printer, office supplies, and utilities.

2. Tech Expenses

Tech expenses can be huge since you’re running your business entirely online. For starters, you’ll need a quality computer if you’re going to be working online 100% of the time. Believe it or not, when I first started blogging and freelancing, all I had was a Microsoft tablet with a keyboard attached.

Tasks were doable at the time, but after my workload increased I knew I needed to get a laptop in order to keep things afloat, I made a $700 investment and bought one brand new.

For the first few months it was fine, then it started having issues and the battery was dying out quick since I’d spend around 10 hours a day on the computer doing various things. A few weeks ago, I finally broke down and purchased a MacBook Pro when Best Buy was having a Black Friday sale.

This was a huge investment but well worth it considering I need a computer that will be able to handle all the work I need to do.

IT and technical support is another tech expense I’ve had to cover since my business is online and I’m not a tech expert. I needed help setting up my website, updating it, and backing up my content.

3. Fees, Permits, and Licensing

Depending on what industry your business falls under and what products you sell, you might need various fees and permits to be considered legal. Many entrepreneurs don’t realize this and find themselves spending thousands on something they didn’t know they needed to pay for.

Your best bet is to inquire about these expenses ahead of time and ask other business owners in your niche. You may need to work with a lawyer to copyright things and set up an LLC or S-Corp. You don’t necessarily need to form an LLC (limited liability company) when you start an online business and can just work as a sole proprietor.

However, if you plan on keeping your business for a long time, an LLC or S-Corp can help protect your personal assets and separate them from your business’ assets. In Illinois where I live, forming an LLC costs $500 just in-state fees. Other states are cheaper or possibly higher so you’ll need to check the options in your state and prepare for this expense if it’s something you think you’d want.

4. Taxes

Finally, taxes can really put the nail in the coffin if you aren’t prepared. Taxes aren’t really a hidden expense because it’s obvious that you’ll have to pay Uncle Sam a portion of your business earnings.

However, if you don’t realistically project how much taxes you’ll have to pay, it could result in a rude awakening around the start of the year. Ideally, you’ll want to set aside anywhere from 15% – 30% of your monthly income. You can discuss your situation with your tax professional and send the IRS quarterly estimated tax payments but sometimes they will feel like a huge hit to your income so you’ll have to adjust your spending accordingly.

Why so much? When you work for yourself, you don’t have the benefit of an employer paying a portion of your taxes for you. So while you’ll have the freedom and flexibility to earn more money, you’ll need to in order to cover your bases with tax payments.

This year, I expect to pay around $15,000 in taxes for my business. I feel crazy even typing that out, but it’s the reality of being a business owner. Don’t let it blindside you.

(Here’s a free business income and expense tracker that can help you get a handle on your taxes.)

In fact, don’t let any of these expenses blindside you and try to budget for them ahead of time. The key is top save up a large enough emergency fund and business savings account before you take the leap and launch your online business.

Unexpected expenses may still pop up, but you’ll be equipped to handle them with ease.

Did any of these expenses surprise you?

The post 4 Hidden Costs of Running an Online Business appeared first on Single Moms Income.

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I wasn’t sure what to title this post. Common Facebook money making scams/schemes? Random money making “opportunities” from Facebook? Stuff not to do?

The truth is there are a TON of scammy money making posts on Facebook. I see them all the time – especially on yard sale and rummage sale groups. There are also an equal number of posts for multi-level marketing companies which aren’t exactly scams. (We’ll cover that a bit more at the bottom of the post.)

For now let’s focus on the stuff that you should absolutely, positively stay away from.

Posting Ads on Facebook for Money

Wouldn’t it be a dream come true if we could all spend 20 minutes per day posting ads on Facebook and earn $397 for doing so? Sign me up.

Only that’s NOT how this works.

I’ve covered posting ads online before because it’s a huge money making scam, not just on Facebook, but all over the internet. Here’s how it works:

  • You pay anywhere from $27-$400 (depending on who you sign up with)
  • You’re given a special link, code, or access to a website.
  • You then plaster posts all over Facebook telling other people how they can make money posting ads on Facebook.
  • Once you sucker someone in you have them use your referral link or code and get a portion of the sign-up fee they paid.
  • Now, if they want to make money they repeat these same steps. If you want to make money you see how many more people you can sucker into signing up.

There’s no product. There’s no actual ad you’re posting.

If you sign up for this you’ll have to spam Facebook telling people they can make money posting ads or you’re just out of your sign up money. (The latter of the two scenarios seems to be the most common!)

Getting Paid to “Process” Emails

This is exactly the same thing as above only worded differently. Processing emails entails you telling people to email you to find out how to make money processing emails.

Repeat all steps from posting ad scheme.

Investment Scams

I actually saw this one for the first time the other day. Here’s how it works: you give a complete stranger $1,000, they’ll do some binary options trading, and within 14 days you’ll have (“a guaranteed”) $8,500. Magic.

Also, never give a complete stranger ANY amount of money. Ever. (Unless you’re donating, of course.)

Selling of an Opportunity Rather than a Product/Service

Another common scenario you need to be wary of is when people are promoting a money making opportunity rather than an actual product.

(For the record I am NOT against multilevel marketing or direct sales, at all. If there’s a product you love and believe in and want to sell, go for it. I believe the big mistake people make in this area is signing up for something they don’t use or believe in just to make money. That’s almost always a recipe for failure as it’s really hard to convince someone to buy a product from you if you don’t use it/have visible results or benefits from it.)

Let’s look at an example of what I’m taking about:

This woman is selling an actual product. It’s a roadside service company like AAA only with a few more benefits and an $80 referral fee. (So you earn $80 for each person you sign up.) It’s totally legit.

The problem is almost everything else she posts about it comes off super scammy and she doesn’t even mention the actual product again.

And another:

This is something I would avoid like the plague. If you think the product you’re promoting is not worth mentioning then it’s not a good fit.

When It Sounds too Good to be True, It’s too Good to be True

That’s the golden rule when it comes to earning money from home. There are a TON of legit ways to earn a full time living from home but that means doing actual work. (You know, just like a regular job.) Here are more than 50 ways to work from home with actual, real companies you can put applications in with.

If you’re looking to work from home you can do it, just know that it’s not likely to consist of posting ads on Facebook.

The post Facebook Money Making Scams to Avoid appeared first on Single Moms Income.

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As you work to organize and better manage your finances, you will find that you start having multiple financial goals at the same time. It can be overwhelming to juggle at first, but you must get used to it sooner rather than later.

Whether it be saving for a home down payment, building an emergency fund, or setting money aside for an upcoming vacation, keeping track of your financial goals can become complicated if not done right. The best way to reach your financial goals is to set up multiple savings accounts. This way, you can separate your money accordingly and track your progress on each goal.

Your Best Option For Multiple Savings Accounts

I use Capital One 360 for my savings accounts. Capital One 360 is an online-only bank that offers a competitive interest rate compared to the national average which is only a sorry 0.06%.

There are no account maintenance fees and no minimum balance requirement plus, you can open up to 25 different online savings accounts. I currently have 1 online checking account and 11 online savings accounts with Capital One 360.

Their interest rate on savings account has been at a solid 0.75% for the past few years which is good but recently, now it is being increased to 1.00%.

I nicknamed all my online savings accounts so I could better tell them apart. Some of my accounts include:

Emergency fund – It’s no surprise that this account holds all my savings for unexpected or emergency expenses. My goal is to keep about 3-6 months of living expenses in this account.

Christmas – This is where I keep all my savings for the holiday season. I try to start funding this account as early as possible so I can have a debt free Christmas each year.

Business Taxes – As a freelancer and online business owner, I have to set aside a portion of my income to pay taxes each quarter. The money in this account is off limits for any other purpose.

Insurance – Luckily, I’m covered under my husband’s health insurance plan through his employer but I like to save up for my 6-month auto insurance premiums in this account.

Travel – I like to take a trip at least once or twice a year saving for this in advance helps me to so without running up a balance on my credit cards.

Pet Emergency Fund – Yes, I chose to have a separate emergency fund for my cat. She is apart of the family but I wanted to keep her savings separate from the family savings so I can use them accordingly if she ever gets sick and needs to go to the vet. I only have $150 in this account so far, but I hope to get it to $500 especially as my cat gets older and may need more medical care.

These are just a few of my account but as you can see, separating them helps me stay organized and know exactly what I’m saving for. Also, when it comes time to spend the money, I don’t feel guilty when using it for a designated purchase. I fear if I just had one big savings account, I would have a hard time deciding whether or not to use the funds for certain expenses.

For example, you probably wouldn’t want to withdraw money from your emergency fund to pay for a vacation which is why it’s best to keep those two savings goals separate.

Plus, earning 1.00% interest on EACH account whether it’s for a short-term or long-term savings goal is pretty nice.

Manage Your Savings Goals

Another feature I like about Capital One 360 is that they have a “My Savings Goals” tool that enables you to track your saving journey. Setting up savings goals is simple:

    • Select the savings account for which you would like to set a goal
    • Select a Goal Type (the options are: Baby, Car, Education, Emergency/Rainy Day, Fun Fund, Gifts/Holiday, Home Improvement, House, Taxes/Insurance, Vacation, Wedding, and Other)
    • Give your goal a name (optional)
    • Set your target goal amount

The My Savings Goals tool provides you with two calculations:

Amount – enter a start and end date, the tool will show you how much you need to save monthly to meet your goal
End Date – enter how much you plan to save monthly, the tool will show you when you’ll reach your goal by

Automatic Savings Plan

One of Capital One 360’s perks is that you don’t have to ditch your current bank in order to bank with Capital One 360. I still have my accounts at my traditional bank.

To transfer money to my Capital One 360 savings accounts each month, I use the Automatic Savings Plan tool.

You simply select which external account you’d like the money to be transferred from and which Capital One 360 savings account you’d like it to go to. Then, enter an amount and set a frequency. The options are Weekly, Every Other Week, Twice a Month, Monthly, and Quarterly.

You can also transfer manually which is what I choose to do sometimes. I like this tool because it provides me with the best of both worlds: I get to keep my traditional checking account for easy access to short-term cash and I get to keep multiples savings account in an online account that earns interest each month.

Give It a Try

Having multiple savings accounts is the BEST way to reach your financial goals. It lets you separate your money so that you can visually see the different things you want to accomplish with your money. Capital One 360 makes it easy to use multiple savings accounts to reach your financial goals.

With Capital One 360, you can create up to 25 different savings accounts. This online bank offers a goal tracking tool and automatic transfers to make it even easier to stay on track. Have financial goals you’re eager to reach this year? I recommend you give it a try!

The post How to Reach Your Financial Goals With Multiple Savings Accounts appeared first on Single Moms Income.

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The delivery side hustle economy is booming right now. Many people are using their cars to bring in big bucks by either delivery packages, food, and other supplies or driving people around locally through a rideshare company.

Last year, my husband earned $10,000 from driver side hustles and it was a big help to us financially. We were able to pay off his car loan and some other debt while also saving for a vacation.

While driver side hustles like Uber, UberEats, Lyft, PostMates, Amazon Flex, TaskRabbit, and Door Dash can be a great way to bring in some extra cash, like all opportunities, you need to carefully consider the pros and cons before deciding if it’s right for you.

Pros One Simple App

Most modern driver side hustles allow you to start earning money fast with just one simple app. Programs like Uber, Lyft, TaskRabbit, and DoorDash and others all have secure and user-friendly apps that you will use to do business with paying customers.

Once you apply and get your application processed and approved, all you have to do is complete the necessary hiring requirements then log into the app to find work near you.

You will “clock in” on the app by making yourself available to accept jobs. Customers will request orders or rides all on each specific app and they will pay safely for the app so you don’t have to worry about collecting payments.


Driver side hustles are super flexible because you can often choose when you wish to work and don’t have to commit to set hours. For my husband, he liked to drive during the evenings after working at his full-time job or even on off days and weekends. During busy weeks, he didn’t drive much and had the freedom to slow down as needed.

If you’re bored and have some spare time to kill, you can simply log into the app and look for jobs. You can even do this work full time and work around your school schedule or kid’s school schedule if you wish.

Frequent Payments

Another benefit of driver side hustles is that you often get paid every 7 days or even less sometimes. Some side hustles will provide you with a bi-weekly paycheck or payout in 30 days or longer.

Uber and Lyft both pay drivers weekly. Postmates pays delivery drivers 4-7 business days following each delivery. Amazon Flex processes payments each Tuesday and Friday for delivery drivers.

Cons Safety Concerns

One of the top concerns for anyone considering a driver side hustle is often safety. This is especially true if you’re considering a rideshare apps like Uber or Lyft. You may have reservations about driving strangers around or even delivering food and packages to them.

I know for rideshare apps, passengers have to identify themselves in order to be picked up and you can communicate with them via the app and even call or text to discuss the pick-up location if needed all while your number is blocked and protected by the rideshare company.

If you’re driving passengers around, you can share your tips with friends and family and there is also the option to file reports if you encounter major issues or you can even charge them a fee if they do any damage in your car. Yet and still, bad experiences have been rare for the most part and you would have to overcome the awkward feeling of having a stranger in your car.

Some people will crank up a conversation and be friendly while others may be more reserved. If you really don’t want to deal with people, you can choose to deliver food or packages instead.

Car Maintenance and Repairs

If you’re going to be using your car a lot more for work, odds are your auto expenses will noticeably increase. You may have to start paying more for gas, get frequent oil changes, and pay for regular maintenance and repairs more often.

The best way to deal with the added expenses is to budget for it. You will also need to make sure you’re taking good care of your car and investing in preventative tools and resources. Finally, be sure to take advantage of any perks that might be available to you via the company you’re working with.

For example, Uber provides drivers with discounts for servicing their car at certain shops. If you have to drive through toll roads for deliveries or passenger trips, you can also be reimbursed for any money you spend on tolls.

Taxes Are All On You

As with any side hustle that pays you as an independent contractor, you need to set aside money to pay estimated quarterly taxes. Factor in that you may have to set aside anywhere from 15% – 30% of your income for taxes.

Be sure to speak to your accountant to determine how much of your earnings you should set aside each month as it will depend on your tax bracket.

Also, don’t forget to track your mileage and deduct qualifying expenses to lighten your tax burden each year. You can deduct expenses like fuel used when you were driving on the job, car repairs and maintenance, and tools and materials you purchase as a result of your side hustle.

At the end of the day, driver side hustles would be an ideal option for you if you think the pros outweigh the cons and if you’d be generally interested in the work. It’s pretty easy and many of the jobs pay more than minimum wage. Plus, you can work whenever it’s convenient for you.

Just be sure to make sure you feel completely comfortable doing the work, take good care of your car, and plan accordingly for taxes.

What do you think about side hustles that allow you to use your car to earn extra money?

The post Pros and Cons of Driver Side Hustles appeared first on Single Moms Income.

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