One of the safest states in the U.S., Utah has a lot going for it. The weather gives you solid seasons, with warm summers and cold (ski-friendly) winters. Outdoor activities abound beyond the mountains, with plenty of rivers and lakes to explore. Low unemployment rates and a growing stake in the tech industry provide ample opportunities. There’s also a large population of young professionals seeking Utah out as their new home, so the community is energetic, educated and ready to go.
The list can go on, but already with so many traits recommending Utah, we bet we’ve piqued your interest. But, don’t pack your bags yet. Before you can call Utah home, you’ve got to make sure you can afford to live here. By looking at some key cost of living components, in a few central Utah cities, we can help you with figure out if your budget matches up.
Utah housing prices
Most Utah cities recommend themselves as some of the best places to live in the state. There’s not much that isn’t interesting and scenic. However, everything appealing about Utah has a price tag, and most cities have costs that exceed the national average. Thankfully, when it comes to the cost of living in Utah for housing, you’ll never go too far over, but on the whole, expect to have to pay to call this state home.
Cedar City
Combining a small-town feel with an urban setting, Cedar City changes things up with as many ranches and farms as there are college residences. It’s a great combination of the best parts of Utah and at an affordable price. Housing prices in Cedar City are 7.3 percent below the national average.
The average rent for a two-bedroom is affordable, at $775 per month, and home prices are even going down. The median home price in Cedar City is $322,00, down by 6.7 percent over last year.
Ogden
Known for its professional opportunities, Ogden is the place to go if you’re looking for a government job. The professional stability combined with the city’s proximity to ski resorts means it’s all about working hard and playing hard. This explains why housing prices in Ogden are 6 percent above the national average.
Rents in Ogden are rising pretty significantly year-over-year, keeping prices up. The average one-bedroom apartment saw a 26 percent increase over last year and is currently $1,305 a month. Two-bedroom apartments are rising at a slower rate, up only 14 percent over last year. The current average rent per month is $1,499.
Home prices are also rising, up 17.1 percent over last year. The median home price in Ogden is $410,000.
Provo
One of many college towns in Utah, Provo is home to Brigham Young University. Run by the Church of Jesus Christ of Latter-Day Saints, both the student population and many of the city’s residents are members of the church. Provo has a heavy focus on family life and is full of many young people and new families.
This popular city has housing prices that average 15.8 percent above the national average. The average rent for a two-bedroom is $1,495, and home prices are up 17.6 percent. The median home price in Provo is $450,000.
Salt Lake City
Perhaps the best-known city in Utah, Salt Lake City has it all. It’s the perfect package of a place to live, with a strong city center, plenty of jobs, fun things to do and the great outdoors to enjoy. You’ll never be without something to do or see here, whether you’re going to a free summer concert, cheering on the Utah Jazz at a basketball game or simply exploring the city. For all its popularity, Salt Lake City housing prices aren’t too high, but they do hit above the national average by 26.3 percent.
Steady growth in the rental market has led to some pretty high prices in Salt Lake City. A one-bedroom apartment has an average monthly rent of $1,513, up 20 percent over last year. A two-bedroom will set you back an average of $1,831 per month, which is 16 percent higher than last year.
Home prices are rising even faster, up 36.2 percent over last year. The median home price in Salt Lake City is $613,000.
Utah food prices
Another cost of living in Utah is food. Utah residents spend an average of between $200 and $233 per month on groceries. Judging by the local favorite foods, a large portion of this could be on fresh produce. Yes, the state is famous for fry sauce and pastrami burgers, but it’s also well-known for honey, tomatoes, raspberries, corn and Green River melons. Yum.
Compared to the national average, most Utah cities hit very slightly above average.
Ogden is 4.4 percent below the national average
Provo is 0.1 percent above the national average
Cedar City is 0.9 percent above the national average
Salt Lake City is 6.3 percent above the national average
This could impact your overall grocery bill, but might not make everything you buy more expensive in one city over another. Lettuce, for example, costs 20 cents more in Cedar Lake than Salt Lake City. Peaches are 20 cents more in Ogden, the only city with food prices below the national average than in Cedar City.
Where food pricing gets predictable is when you look at the average cost for a romantic dinner for two. A three-course meal, for two, costs $72.50 in Salt Lake City, but only costs $35 in Ogden. That means you’re paying 52 percent more to eat the same meal in Salt Lake City.
Utah utility prices
Across the state of Utah, you’ll be happy to hear, utility prices are all below the national average. That’s good news for the cost of living in Utah.
Provo is 10.9 percent below the national average
Ogden is 7.5 percent below the national average
Salt Lake City is 7 percent below the national average
Cedar City is 2.7 percent below the national average
This means energy bills typically range between $140 and $165 per month, coming from both electricity and alternate energy sources.
Utah transportation prices
Although utility prices are on the lower side when compared to the national average, transportation prices in Utah do the exact opposite. They’re all slightly above.
Cedar City is 1.4 percent above the national average
Provo is 3.3 percent above the national average
Ogden is 4.5 percent above the national average
Salt Lake City is 5.9 percent above the national average
Even though Salt Lake City tops the list in cost, it also gets the highest scores when it comes to walkability (67) and bike friendliness (73).
Although it’s easy to get around Salt Lake, and Provo is often considered somewhat walkable itself, living in Utah most likely means you’ll need to either own a car or rely on public transportation (or both.)
The Utah Transit Authority
Stretching well beyond a single city, this network of vehicles really goes the distance. Yes, there are solid transportation networks throughout Utah that cover smaller areas, but the UTA takes the cake. It encompasses Salt Lake City, Ogden and Provo through its commuter rail service.
In Ogden, specifically, UTA buses cover the downtown area, Weber State University and routes to major employment centers. There’s also a ski bus that gets you to Snowbasin and Powder Mountain.
In Salt Lake City, a bevy of buses come regularly, with special routes during rush hour. There are also buses heading up to Snowbird Alta and Solitude Brighton for skiing.
Fares vary based on transportation type. For the local bus or streetcar, a one-way fare is $2.50, and a monthly pass is $85. If you want a premium pass, to have access to all types of transportation UTA offers, except the PC-SLC Connect, you can get a monthly pass for $170.
Utah healthcare prices
Shifting gears to look at healthcare, a tricky area for anyone’s cost of living total, all of our Utah cities fall below the national average.
Cedar City is 10.5 percent below the national average
Ogden is 9.9 percent below the national average
Provo is 8.5 percent below the national average
Salt Lake City is 5.7 percent below the national average
Healthcare costs include doctor’s visits, medications, getting your eyes checked and those two annual visits to the dentist each year. Individual prices won’t always align with how overall rank, though. The least expensive city, on average, for a doctor’s visit isn’t Cedar City, but Provo, the only city with a doctor’s visit bill under $100.
Utah goods and services prices
Goods and services are a wide category when it comes to the cost of living in Utah total. All the extras, that maybe don’t feel so extra, fit here. These are things you want but don’t necessarily need, and in Utah, they’re all slightly above what you pay on average.
Cedar City is 2.8 percent above the national average
Ogden is 4.8 percent above the national average
Salt Lake City is 6 percent above the national average
Provo is 9.9 percent above the national average
To better understand how these averages impact specific goods and services you might partake in, this chart breaks things down.
Provo may have the highest combined prices, but that isn’t the case for every individual service. A vet visit, for example, will be more in Salt Lake City on average, and a movie ticket is more in Cedar City.
Another key service in this category, with a high price tag, is childcare. Even if you don’t need to use this service now, prices can vary greatly, making it something you might want to think about. For a full-day, private preschool, you’ll pay $362.50 in Cedar City, but $783.33 in Salt Lake City. That’s a 54 percent difference that could easily stretch your budget.
Taxes in Utah
When it comes to taxes, Utah residents pay both individual income tax and sales tax. The income tax rate is 4.85 percent, and the state sales tax rate is 4.85 percent. Localities can then add up to 3.35 percent more onto the sales tax, which means the most you’d pay in any Utah city is 8.2 percent. That means for every $1,000 you spend shopping, $82 goes right to taxes.
None of the cities on our list max out the sales tax.
Cedar City has a 6.2 percent sales tax rate
Provo has a 7.25 percent sales tax rate
Ogden has a 7.25 percent sales tax rate
Salt Lake City has a 7.75 percent sales tax rate
At 7.75 percent, when you shop in Salt Lake City and spend $1,000, $77.50 is what you’ll pay solely in taxes.
How much do I need to earn to live in Utah?
To effectively calculate how much you need to earn to afford the cost of living in Utah, and if it will work with your ideal budget, plug in specific numbers to our rent calculator.
For some quick estimating, you can look at how much you need to earn to afford the average rent in the state. Rent should only take 30 percent of your annual income. So, with the average rent in Utah at $1,571, you’d need to make $62,840 per year.
This is highly likely to work out since the average salary in Utah is much higher, at $89,300. That means you’ll not only be fine looking at average-priced places to live but have wiggle room to get something with more amenities (or square footage).
Living in Utah
Utah is growing in population, so there are a lot of people out there, like you, who’re discovering this beautiful place full of activity and opportunity. To really get the ball rolling on deciding if Utah fits your budget, it’s best to look at the cost of living across the state.
Could you afford to live, eat and play in any specific city? If the numbers align, it might be time to start packing those boxes and preparing for a new adventure.
Related articles:
The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of June 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.
We think we know what will make us happy, but we don’t. Many of us believe that money will make us happy, but it won’t. Except for the very poor, money cannot buy happiness. Instead of dreaming of vast wealth, we should dream of close friends and healthy bodies and meaningful work.
The Psychology of Happiness
Several years ago, James Montier, a “global equity strategist”, took a break from investing in order to publish a brief overview of existing research into the psychology of happiness [PDF]. Montier learned that happiness comprises three components:
About 50% of individual happiness comes from a genetic set point. That is, we’re each predisposed to a certain level of happiness. Some of us are just naturally more inclined to be cheery than others.
About 10% of our happiness is due to our circumstances. Our age, race, gender, personal history, and, yes, wealth, only make up about one-tenth of our happiness.
The remaining 40% of an individual’s happiness seems to be derived from intentional activity, from “discrete actions or practices that people can choose to do”.
If we have no control over our genetic “happy point,” and if we have little control over our circumstances, then it makes sense to focus on those things that we can do to make ourselves happy. According to Montier’s paper, these activities include sex, exercise, sleep, and close relationships.
What does not bring happiness? Money, and the pursuit of happiness for its own sake. “A vast array of individuals seriously over-rate the importance of money in making themselves, and others, happy,” Montier writes. “Study after study from psychology shows that money doesn’t equal happiness.”
The Happiness Paradox
Writing in The Washington Post last June, Shankar Vedantam described recent research into this subject. If the United States is generally wealthier than it was thirty or forty years ago, then why aren’t people happier? Economist Richard Easterlin of the University of Southern California believes that part of the problem is the hedonic treadmill: once we reach a certain level of wealth, we want more. We’re never satisfied. From Vedantam’s article:
Easterlin attributes the phenomenon of happiness levels not keeping pace with economic gains to the fact that people’s desires and expectations change along with their material fortunes. Where an American in 1970 may have once dreamed about owning a house, he or she might now dream of owning two. Where people once dreamed of buying a new car, they now dream of buying a luxury model.
“People are wedded to the idea that more money will bring them more happiness,” Easterlin said. “When they think of the effects of more money, they are failing to factor in the fact that when they get more money they are going to want even more money. When they get more money, they are going to want a bigger house. They never have enough money, but what they do is sacrifice their family life and health to get more money.”
The irony is that health and the quality of personal relationships are among the most potent predictors of whether people report they are happy — and they are often the two things people sacrifice in their pursuit of greater wealth.
Why aren’t rich people happier? Perhaps it’s because many of them are workaholics, because they’re more focused on money than on the things that would bring them joy. A brief companion piece to The Washington Post story notes that researchers have found that “being wealthy is often a powerful predictor that people spend less time doing pleasurable things, and more time doing compulsory things and feeling stressed.”
In general, rich people aren’t much happier than those of us in the middle class. Yes, money can buy happiness if it elevates you from poverty, but beyond that the benefits are minimal. So why do so many people believe that money will make things better?
Stumbling on Happiness
In 2006, Harvard psychology professor Daniel Gilbert published Stumbling on Happiness, a book about our inability to predict what will really make us happy. Here is is a 22-minute video of a presentation Gilbert made at TED 2004, in which he compresses his ideas into bite-sized chunks.
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Gilbert says that because humans can plan for the future, we naturally want to structure our lives in such a way that we are happy, both now and later. But how do we know what will make us happy? We don’t. In fact, we’re surprisingly bad at predicting what will bring us joy. Gilbert asks:
Which future would you prefer? One in which you win the lottery? Or one in which you become paraplegic? Which would make you happier? […] A year after losing their legs, and a year after winning the lotto, lottery winners and paraplegics are equally happy with their lives.
The problem is impact bias, the tendency to overestimate the “hedonic impact” of future events. Put another way, the things that we think will make us happy usually don’t make us as happy as we think they will. Winning the lottery isn’t a panacea. Having an affair with your hot new co-worker won’t be as thrilling as you imagine. And losing a leg isn’t the end of the world.
It turns out that humans are able to synthesize happiness. Many people look outside themselves for fulfillment; they expect to find it in things, or in relationships, or in large bank accounts. But true happiness comes from within. True happiness comes when we learn to be content with what we have.
13 Steps to a Better Life
What does all this mean to you? If money won’t bring you happiness, what will? How can you stop making yourself miserable and start learning to love life? According to my research, these are the thirteen actions most likely to encourage happiness:
Don’t compare yourself to others. Financially, physically, and socially, comparing yourself to others is a trap. You will always have friends who have more money than you do, who can run faster than you can, who are more successful in their careers. Focus on your own life, on your own goals.
Foster close relationships. People with five or more close friends are more apt to describe themselves as happy than those with fewer.
Have sex. Sex, especially with someone you love, is consistently ranked as a top source of happiness. A long-term loving partnership goes hand-in-hand with this.
Get regular exercise. There’s a strong tie between physical health and happiness. Anyone who has experienced a prolonged injury or illness knows just how emotionally devastating it can be. Eat right, exercise, and take care of our body. (And read Get Fit Slowly!)
Obtain adequate sleep. Good sleep is an essential component of good health. When you’re not well-rested, your body and your mind do not operate at peak capacity. Your mood suffers. (Read more in my brief guide to better sleep.)
Set and pursue goals. I believe that the road to wealth is paved with goals. More than that, the road to happiness is paved with goals. Continued self-improvement makes life more fulfilling.
Find meaningful work. There are some who argue a job is just a job. I believe that fulfilling work is more than that — it’s a vocation. It can take decades to find the work you were meant to do. But when you find it, it can bring added meaning to your life.
Join a group. Those who are members of a group, like a church congregation, experience greater happiness. But the group doesn’t have to be religious. Join a book group. Meet others for a Saturday morning bike ride. Sit in at the knitting circle down at the yarn shop.
Don’t dwell on the past. I know a guy who beats himself up over mistakes he’s made before. Rather than concentrate on the present (or, better yet, on the future), he lets the past eat away at his happiness. Focus on the now.
Embrace routine. Research shows that although we believe we want variety and choice, we’re actually happier with limited options. It’s not that we want no choice at all, just that we don’t want to be overwhelmed. Routines help limit choices. They’re comfortable and familiar and, used judiciously, they can make us happy.
Practice moderation. Too much of a good thing is a bad thing. It’s okay to indulge yourself on occasion — just don’t let it get out of control. Addictions and compulsions can ruin lives.
Be grateful. It’s no accident that so many self-help books encourage readers to practice gratitude. When we regularly take time to be thankful for the things we have, we appreciate them more. We’re less likely to take them for granted, and less likely to become jealous of others.
Help others. Over and over again, studies have shown that altruism is one of the best ways to boost your happiness. Sure, volunteering at the local homeless shelter helps, but so too does just being nice in daily life.
Remember: True wealth is not about money. True wealth is about relationships, about good health, and about continued self-improvement.
Related >> Is it More Important to be Rich or to be Happy?
Inside: Working mothers face many challenges when balancing work and family life. This guide offers the best jobs for moms. Find out how to maximize your career opportunities while raising children.
Moms often feel like they can’t have a successful career and be a good moms at the same time.
I completely feel that way too. I struggled to be a stay-at-home mom when my kids were little because I wanted to help out financially to help pay down debt. It took me a few years, but I soon realized there are great ways to make a mom and be a great mom!
I have uncovered plenty of jobs for moms with no degree that offers flexible hours, good pay, and satisfying work.
The best jobs for moms with no degree are ones that offer flexibility, good pay, and room for growth.
It can be tough to balance family and career, but it is possible to find a job that fits your lifestyle.
Here are the best jobs for moms with no degree or with a degree.
What jobs are good as a mom?
As a mom, finding a job that allows for flexibility and growth can be challenging, especially if you don’t have a college degree.
However, there are still plenty of opportunities out there that can help you balance your family and career.
Most importantly, you need to find a job that you LOVE! An environment that you thrive in!
With flexible schedules, remote work options, and potential for growth, these jobs can provide the stability and income moms need while still being able to prioritize their families.
Whether you’re looking for a part-time job or a full-time career, there are plenty of opportunities out there for moms.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
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What are the best careers for current stay-at-home moms?
Stay-at-home moms face the challenge of balancing their family responsibilities with the desire to pursue a career.
With the high cost of child care, you need to find a job that allows you to take your kids or one that offers flexibility to work around your kid’s schedules.
Hello- that is me! I am a blogger and day trader when I’m not taxing my kids around.
Your best bet is to check out how to make money online for beginners. That is where you will find the most job options that can be done from home or offer flexible schedules, making it possible to have the best of both worlds.
What are the best careers for former stay-at-home moms?
Returning to the workforce after being a stay-at-home mom can be a daunting task, but there are many careers that are best suited for moms.
You still want careers that offer flexibility, high earning potential, and a good work-life balance.
You need to consider your previous employment, any education or certificates you hold, or skills and/or interests.
As such, the answer will vary for each person reading this post. So, consider any one of these past ideas.
Best Jobs for Moms
There are plenty of great jobs for working moms.
The key is to find a position that offers the right mix of income, hours, and flexibility.
Preferably, you want a low-stress job that pays well without a degree.
Here are jobs to consider if you’re a working mom with no degree.
1. Web developer
Web development is a highly flexible and lucrative career option that is ideal for working moms who may not have a college degree. With the ability to work remotely or part-time, web development is a perfect fit for moms who need a flexible schedule.
This field is rapidly growing and in high demand, making it an excellent choice for those looking for a career change.
To become a successful web developer, proficiency in programming languages like HTML, CSS, and JavaScript is essential. Additionally, knowledge of website design and development tools is crucial to create visually appealing and functional websites.
The skills required for web development can be learned through online courses or boot camps, making it accessible to anyone with an interest in technology and design.
Benefits:
Many web developers work from home or have flexible schedules, making it easier for moms to balance work and family life.
The demand for web developers is expected to grow, making it a stable and secure career option.
Web development is a field that allows for creativity and self-expression.
Pay: The salary for a web developer varies greatly on experience, but it is possible to make six figures.
2. Customer Service Representative
Customer service representative is an excellent career option for working moms who do not hold a college degree.
As a customer service representative, you will be the primary point of contact between customers and the organization, providing information about products and services, taking orders, responding to customer complaints, and processing returns.
You can work from home part-time or full-time, and many times the work takes place remotely. To succeed in this role, you will need to have strong communication and negotiation skills, patience, and the ability to multitask.
Benefits:
The work environment is flexible, and you can work from the comfort of your home.
Job offers great work-life balance and schedule options, making it an ideal choice for working moms.
Pay: As a customer service representative, you can expect to make from minimum wage to $20 an hour.
3. Proofreader
Being a proofreader can be a rewarding and fulfilling career for individuals who have a way with words and a keen eye for grammar. As a proofreader, your primary responsibility would be to review and correct spelling, grammar, and punctuation errors in various types of written content, such as books, websites, and social media posts.
Moreover, the earning potential as a proofreader can be quite lucrative. For instance, Caitlin Pyle, a successful proofreader, made $43,000 in one year working part-time.
To get started as a proofreader, it is important to develop the necessary skills. You can start by attending a free introductory workshop or enrolling in a course that teaches the skills needed to become a freelance proofreader.
Benefits:
Great flexibility as you work on a project basis.
The significant earning potential in the field of proofreading, especially for those who are dedicated and skilled in their craft.
Rewarding career path for individuals with a passion for language and a meticulous eye for detail.
Pay: In terms of salary, the median pay for a proofreader ranges from $15.22 to $26 an hour, depending on experience and the project you are working on. Many other proofreaders earn between $1,000 to $4,000 per month.
4. Flight Attendant
A flight attendant is a career that does not require a college degree but extensive training and certification. It is an ideal job for working moms due to its non-traditional scheduling that allows them to work part-time, take extended periods off, and get out of the house.
Flight attendants can take on trips when they know they have child care covered, and stay at home for days at a time.
Benefits:
Enjoy the perks of travel.
Flexible schedules.
Great health benefits.
Pay: The pay ranges by airline, but the median salary is $65000 per year.
5. Blogger
For moms who are looking for a flexible work-from-home job that doesn’t require a degree, becoming a blogger could be the perfect fit.
With the rise of the internet, there is an increasing demand for content writers and bloggers. These jobs allow you to work from home, set your own schedule, and choose the topics you want to write about. Additionally, these jobs don’t require a degree, making them accessible to anyone who has a passion for writing and a way with words.
Blogging is another option for those who want to write about specific topics they are passionate about and share their insights with others.
Benefits:
Be your own boss.
Flexibility blogging offers – work as much or as little as you want.
Work from home.
Choose the topics you want to write about.
Pay: As a blogger, you are creating passive income through ads, affiliating marketing, and paid sponsorships.
6. Engineer
Returning to work as a mom can be a challenging transition, but leveraging your engineering degree can open up a range of opportunities for you. With your technical skills and problem-solving abilities, there are several career paths that can offer a healthy work-life balance and flexibility to accommodate your family responsibilities.
Here are ways to utilize your degree and still have the flexibility you crave:
Pursue freelance work in your field. As a freelance engineer, you have the freedom to determine your own schedule and take on projects that align with your interests and availability. Platforms like Upwork provide a space for engineers to connect with clients and offer their services on a project basis. This allows you to work on engineering projects from the comfort of your own home, giving you the flexibility to balance work and family life.
Explore part-time or remote positions with engineering firms or companies that value work-life balance. Many engineering firms recognize the importance of accommodating working parents and offer flexible work arrangements. With your engineering background, you can contribute to projects and collaborate with teams remotely, allowing you to work from home and adjust your schedule to meet the needs of your family.
Pursue a career in technical writing or content creation. Many companies and organizations require technical documentation, manuals, and instructional materials to accompany their products or services. With your engineering background, you can leverage your expertise to create clear and concise technical content.
Work as an engineering consultant. As a consultant, you can offer your specialized knowledge and expertise to clients on a project basis. Consulting also provides the opportunity to work remotely or have a flexible work arrangement, making it an ideal option for moms returning to work.
By expanding your knowledge and skill set, you can position yourself for more opportunities and increase your marketability in the engineering field.
Benefits:
This can be done on a freelance basis or as a remote employee, allowing you to work from home and have more control over your schedule.
Take on projects that align with your skills and interests.
Have a fulfilling career that allows you to balance work and motherhood successfully.
Pay: Additionally, engineering offers high earning potential, which can help support a family and provide financial stability. Most engineers earn over $100000 a year.
7. Virtual Assistant
For working moms with no degree, finding a job that balances well with their family life can be a challenge. However, virtual assistant jobs can be the perfect solution.
As a virtual assistant with no experience, you can work from home, set your own schedule, and earn a good income.
A virtual assistant provides administrative support remotely, handling tasks such as email and social media management, scheduling appointments, data collection, customer service, and event planning. The skills required for this job include strong multi-tasking, organizational, and time-management skills, as well as basic computer skills.
Here is a virtual assistant checklist to see if you would enjoy this job possibility.
Benefits:
Be the boss of your own schedule.
Build your own small business if you desire.
Earn significant income
Pay: Most virtual assistants can earn $21 an hour or more pending experience.
8. Teacher
Teaching can be an excellent option for moms who want to work in a field that values education and have the same schedule as their kids.
Plus you can take on one of these summer jobs for teachers to extra cash.
Another option is to become a teacher’s aide that assists teachers in the classroom, helping with tasks such as grading papers, supervising students, and preparing materials. To become a teacher’s aide, you need to have a high school diploma or GED.
Benefits:
Same work hours as your children.
Work in a field that values empathy and care for children, while also providing financial stability and work-life balance.
Most teacher retirement plans are well worth working your full 30 years for that ongoing income post-retirement.
Pay: Unfortunately, teachers are one of the lowest paid salaries for the fantastic work they do. Find out if teachers get paid in the summer.
9. Substitute teacher
Substitute teaching can be an excellent job option for working moms who don’t have a degree. It offers flexibility, a chance to get teaching experience, and a decent daily rate of pay.
A substitute teacher fills in for full-time teachers when they are absent.
This experience can be helpful if you decide to pursue a permanent teaching position in the future.
Benefits:
Allows you to work when your schedule permits. You can note your availability and work as much or as little as you like.
Gain teaching experience without committing to a full school year.
Rewarding job option for some.
Pay: As of right now, there is a shortage of teachers, so the pay for substitute teachers has increased immensely. Substitute teachers can earn a daily rate ranging from $60 to $200, depending on the school district and the region with most substitutes making $22 an hour or more.
10. Consultant
As a consultant, you can use your prior work or life experience to offer solutions and advice to clients in a wide range of areas, including sales, marketing, operations, and management.
Furthermore, consulting can be an ideal way to transition your prior work or life experience into a new career and shorten the time spent in school, making it a great option.
To become a successful consultant, you need to have strong communication skills, the ability to work independently, and experience in your field to run a successful business.
Benefits:
As a consultant, you can enjoy flexible work hours.
The potential to work from home.
Ability to control your schedule.
Pay: The hourly rate for consultants varies depending on the type of consultant and the industry, with some earning high salaries.
11. Day Trader
Swing or day trading is a popular option for individuals who want to work from home and make a living from the stock market. Day traders buy and sell securities within the same day, aiming to make a profit from small price movements.
This job requires a certain set of skills and investing knowledge, as well as specific equipment and software.
It is possible to make money with stocks fast.
Day trading can be a good option for working moms with no degree because it offers flexibility and the potential for high earnings. Personally, I love trading stocks and options. I learned from Teri Ijeoma.
Benefits:
Unlike traditional jobs, day trading allows individuals to work from home and set their own schedules.
Successful traders can make a significant amount of money, with some earning six-figure or seven-figure incomes.
While a degree is not required for day trading, I highly recommend taking this investing course to jumpstart your learning.
Pay: Widely variable as it depends on your risk. You can lose money or make $1000 a day.
12. Claims adjuster
As a claims adjuster, you will be responsible for investigating insurance claims, negotiating settlements, and collaborating with other professionals such as lawyers and medical experts. To become a claims adjuster, you will need to possess relevant experience, strong communication abilities, and proficiency in data analysis.
The work environment can be fast-paced and stressful, but the potential for career growth and the flexibility to work remotely make this an attractive option for many working moms.
Claims adjusters must also maintain accurate records and documentation of all claims activities.
Benefits:
While the work environment can be fast-paced and stressful, the potential for career growth is likely.
Flexibility to work remotely make this an attractive option for many working moms.
Pay: Claims adjusters can advance to higher positions within the insurance industry, such as senior claims adjuster or claims manager. Additionally, many claims adjusters work as independent contractors or consultants, providing even more flexibility and potential for career growth.
13. Bookkeeper
As a bookkeeper, one is responsible for monitoring a company’s cash flow by keeping track of transactions and preserving copies of receipts. The job requires great attention to detail, excellent organizational skills, and an ability to analyze and interpret financial data.
This job can be done virtually, making it an excellent position for moms who want to improve their work-life balance.
Bookkeeping does not require a degree and one can earn a decent hourly pay or salary. To become a bookkeeper, one must have bookkeeping skills, which can be learned from online courses.
Benefits:
Flexible working hours, allowing them to work whenever suits them.
Great for someone who loves analytics.
Pay: Most bookkeepers enjoy relatively high hourly salaries. They can work as independent contractors or be paid as a salaried employee.
14. Nanny
Being a nanny is an excellent option for moms who want to balance work and family life.
As a nanny, you would be responsible for taking care of children, cooking, cleaning, and running errands. The best part about being a nanny is the flexible hours, which allow you to work part-time or full-time while still being present for your family.
Finding a job that allows moms to work while still being present for their families is crucial, and being a nanny provides the perfect solution.
Benefits:
Be able to care for your own children at the same time.
Find a nanny job that works for your circumstances.
Stay young and playful while working with kids!
Pay: The pay varies widely for a nanny, but once you have experience and great references, you can earn good money.
15. Marketing Specialist
Marketing can be an excellent job choice for moms looking for flexibility, potential job growth, and the opportunity to work remotely. With the advancement of digital marketing, moms can now pursue a career in marketing without having to leave their homes or work in a traditional office setting.
As a digital marketer, there are various specializations and skills that can be honed to advance in the field. These include SEO (search engine optimization), web development, content creation, and marketing strategies.
By continuously learning and improving these skills, moms can enhance their professional reputation and open doors to new opportunities within the marketing industry.
Benefits:
Ability to work from home.
Work flexible work hours that can be adjusted to fit their family’s needs.
Digital marketing also offers potential job growth and career development.
Pay: As a marketing specialist, the pay can vary greatly if you work as a freelancer or a bigger corporation.
16. Financial Advisor
Financial advising can be an excellent career path for working moms without a degree, offering flexibility and opportunities for growth.
Honestly, I know many people who have successfully entered the workforce as financial advisors.
The first step towards becoming a financial advisor is to obtain relevant certifications and licenses, such as the Certified Financial Planner (CFP) designation. Once certified, financial advisors can work for a firm or start their own business, providing financial advice to clients.
Pursuing a career as a financial advisor can offer a good salary and work-life balance, making it a great option for working moms.
Benefits:
Help others pursue a life of financial independence.
Perfect for someone who loves numbers!
Pay: The pay for a financial advisor varies greatly, but the median salary is $75000 a year.
17. Writer
Becoming a writer can be a great career choice for moms who want to work from home and have a passion for writing. With flexibility, the potential for a decent income, and no degree required, it’s an accessible and rewarding career path.
Highly recommended to take this writing course to jumpstart your networking opportunities.
As a writer, you can work as a content writer, staff writer, or freelance writer.
Content writers produce content for websites, such as blogs, news aggregators, and e-commerce sites.
Staff writers write articles for publications, such as magazines or newspapers.
Freelance writers write for clients without being permanent employees.
What’s more important is having a way with words, strong research skills, and a passion for writing.
Benefits:
Flexibility to work on a story when you are able to.
For those with a love of English, this is a great way to express yourself.
Pay: While the average hourly rate for writers and bloggers varies, it’s possible to earn a decent income in these fields.
17. Social Media Specialist
As a social media specialist, you will manage social media accounts, create and post content, increase engagement, analyze data, and monitor social media. This role requires skills such as graphic design, writing appealing content, an eye for design, and flexibility.
Moms possess many of these skills naturally, such as multitasking, creativity, and communication. These skills can be applied to social media management, including content creation, scheduling, and community management.
Social media management is also a growing field. As a result, this job can provide moms with a stable income and career growth opportunities while allowing them to prioritize their family life.
Benefits:
Great for those who personally love social media.
Easy to work anywhere.
Pay: With an average salary of $52000 a year, this job can be done from home, making it a perfect fit for moms.
18. Human resources manager
Work-life balance is crucial for working moms, and a career as a human resources manager can provide just that.
Human resources managers are responsible for managing employee benefits, overseeing hiring processes, and handling employee relations. This job offers flexibility, including the ability to work remotely or part-time.
A career in human resources management can positively impact a working mom’s family life by providing a consistent schedule that doesn’t involve weekends or holidays.
Benefits:
HR managers are in high demand in many industries, as every organization requires HR expertise to manage its workforce effectively.
Opportunities for personal and professional growth.
Make a positive impact on employees’ lives.
Ample networking opportunities with employees, upper management, and external stakeholders.
Pay: Human resource managers often receive competitive salaries, with average annual earnings exceeding $120,000.
19. Sell on Printables on Etsy
In recent years, the demand for printable products has grown tremendously, making Etsy a great platform for working moms without a degree to earn a steady income from home.
Printables are digital files that customers can download and print at home, such as wall art, planners, calendars, and invitations.
The best part is that once you create a printable, you can sell it repeatedly without having to invest more time or money.
Check out the list of the most popular printables you can create.
Benefits:
A flexible job that allows you to work from home and set your own hours.
Earn a steady income from a single printable, which means you can focus on creating new products and growing your business.
Able to start s small business.
Pay: This is a passive income. Learn how much these sellers have made.
20. Retail associate
Many moms become retail associates to get a discount from the retailer!
Working in retail can be a rewarding and dynamic career choice. Retail jobs are generally physically demanding, as employees are often on their feet for long periods and may need to lift and move heavy items.
The nature of retail work can also be stressful, especially during busy periods such as holidays or sales events. However, it can also be an opportunity to develop and utilize various skills, particularly when interacting with customers.
Benefits:
Working part-time hours while your children are at school.
Discounts to the retailer you work.
Flexible scheduling hours.
Pay: This is a minimum wage job earning $13 an hour to $18 an hour.
21. Nursing
Nursing is a fulfilling career for moms who enjoy taking care of others.
While most nursing positions require a degree, there are also entry-level jobs available for those without a degree. Certified nursing assistant (CNA) and licensed practical nurse (LPN) are two such positions.
Both positions require certification and training, which can be completed in a matter of months. Pursuing a career in nursing as a working mom without a degree offers the flexibility to balance work and family while also providing the opportunity for career advancement.
Benefits:
Flexible scheduling around what works best for your family.
Ability to work part-time or full-time.
Great career option to take fewer hours while your children are little and more hours when they are in school.
Pay: The average hourly rate for nursing varies depending on where you work. Most certified nurses make between $32 an hour to $50 an hour.
22. Transcriber
As a transcriber, you will listen to audio files and create a document that contains an accurate record of what was said. This is one of the best jobs for moms with no degree, as most transcription companies just require you to pass their test before they give you work.
To become a successful transcriber, you will need fast typing skills, attention to detail, and the ability to sit for long periods of time. You may also need to purchase special transcribing equipment, depending on the company you work for. Most transcription jobs will require the ability to type 75 WPM or more.
This is a great non phone work from home job.
With the right skills and tools, you can become a successful transcriber and earn a decent income. So if you are a fast typer with an eye for detail, consider taking a free mini-course to find out if this is the right job for you.
Benefits:
Transcription jobs from home are available remotely and work as many hours as you want.
Set your own schedule.
Make money by meeting deadlines.
Pay: Generally, transcriptionists earn around $19 per hour in the US, but this can be more depending on your employer.
23. Graphic Designer
Graphic design is an excellent job for working moms with no degree, as it allows for significant flexibility in working hours and can be done from home.
As a graphic designer, you will be responsible for creating logos, designing websites, and developing marketing materials such as brochures and flyers. To succeed in this field, you’ll need to be creative, detail-oriented, and able to work with clients to meet their specific needs.
Benefits:
Balance their family responsibilities with a fulfilling and rewarding career.
Perfect to showcase your creative side.
Pay: With a median annual wage of $48000 per year, graphic design is a lucrative career that offers plenty of room for growth and advancement.
24. Online Coach
Being an online coach is a great job for individuals who are looking to earn money online without a degree. While some online coaches do gain certifications, it is not always necessary.
There are several types of coaching fields to enter, including career coaching, life coaching, health coaching, family coaching, and fitness coaching. It is advisable to choose a field that you have experience in or feel comfortable handling.
As a life coach, for example, you can assist clients in achieving their goals, dealing with self-esteem issues, or working on relationships.
Benefits:
Freedom to set your own schedule and work from home, which allows you to balance work and family responsibilities.
Potential to earn a good income, especially if you specialize in a high-demand niche and build a strong client base.
Viable career option for working moms without a degree.
Work remotely from their computers and communicate with clients online.
Pay: Most coaches make between $30 an hour – 100 an hour pending experience.
25. Counselor
Counseling is indeed a vital service that plays a crucial role in helping individuals and families overcome difficult challenges.
As a counselor, you work closely with clients to address various issues and support them in achieving their personal and professional goals.
Counselors can work in diverse settings, including private practices, mental health centers, schools, substance abuse centers, or government institutions. This allows for a wide range of opportunities and flexibility in terms of work environment and schedule. Additionally, advancements in technology have made it possible for counselors to provide their services online, further expanding the accessibility and convenience of counseling.
Benefits:
Flexibility to work part-time or full-time.
Making a positive impact on the lives of others and contributing to their well-being is a significant aspect of counseling that attracts many individuals, including moms, to pursue this profession.
Offers a fulfilling and financially rewarding career path.
Pay: The average hourly rate for counselors is $39 an hour.
Other Jobs Options to Consider:
Home Health Aide: Care for patients in their own homes. Many opportunities for part-time work.
Personal Care Aide: Assist clients with daily tasks such as bathing, dressing, and grooming. Flexible schedules are available.
Event Planner: Plan and organize events such as weddings, conferences, and parties. Can often work on a freelance or contract basis.
Photographer: Take photographs for a variety of purposes such as weddings, events, or marketing materials. Can often work on a freelance basis.
Personal Trainer: Help clients achieve fitness goals through exercise and nutrition coaching. Can often work on a freelance or contract basis.
House Cleaner: Clean homes or businesses on a regular basis. Offers flexibility in terms of schedule and workload.
Online Tutor: This job involves teaching students online in various subjects. Skills required include teaching ability, subject expertise, and communication. To balance work and family life, set a schedule and prioritize family time.
Translator: This job involves translating written or spoken content from one language to another. Skills required include fluency in multiple languages, attention to detail, and communication. To balance work and family life, set a schedule and prioritize family time.
Pet Sitter/Dog Walker: This job involves caring for pets while their owners are away. Skills required include love for animals, responsibility, and time management. To balance work and family life, set a schedule and communicate with clients to ensure availability.
Personal Shopper: This job involves shopping for clients and delivering their purchases. Skills required include organization, communication, and time management. To balance work and family life, set a schedule and communicate with clients to ensure availability.
What to consider when choosing a job for working moms without a degree?
Working mothers without a degree face many challenges when it comes to finding a job.
They need to find a balance between their family and career commitments, and they also need to find a job that is flexible enough to accommodate their schedule. Here are the things to consider when looking for a new job.
1. Hours and Shiftwork
For working moms being able to control their own schedules allows them to be present for their children’s needs while also earning an income is extremely important. It is important to consider the hours you have available to dedicate to a job along with the shiftwork necessary when choosing a job.
Think about whether you want to go part-time or full-time.
Also, weekend shifts are also an option for those who need to work around their family’s schedule. Even better, remote work has become increasingly popular and offers even more flexibility.
2. Salary
Salary considerations play a significant role in achieving this stability a mom desires.
It is essential to explore different salary options and negotiate to ensure that you are being fairly compensated for your skills and experience.
Consider starting salary, the potential for growth, benefits packages, and negotiation when exploring job options.
3. Responsibility and Stress
As any working mom can tell you, being a working mom can be an incredibly stressful experience. Mothers often have to balance their work responsibilities with household chores and childcare, which can be overwhelming.
Finding a job that balances responsibility and stress is crucial for working moms to maintain their mental and physical health, and to be able to provide for their families.
4. Level of Education Required
As a working mom, it is important to consider the level of education required when choosing a job.
Plus, it is crucial to research job requirements and considers personal interests and skills when selecting a job. By doing so, working moms can find a job that offers flexibility, decent pay, and job satisfaction.
5. Professional Licenses and Certifications
Obtaining, professional licenses and certifications is an excellent way for working moms without a degree to increase their job opportunities, earn higher salaries, and improve job security.
These certifications and licenses are often required for specific industries, such as healthcare, education, and law enforcement.
With so many options available, it’s important for working moms to explore the various certifications and licenses that are relevant to their industry and career goals.
6. Work-Life Balance
Balancing work and family life is a challenge for anyone, but it can be particularly daunting for working moms.
However, there are several factors to consider when choosing a job that can help achieve a work-life balance:
Flexible Work Hours: A job with flexible work hours can help working moms without a degree balance their work and family responsibilities. This can include part-time work, remote work, or jobs that allow for flexible scheduling.
Remote Work Options: Remote work can be an excellent option for working moms without a degree who need to work from home.
Company Culture: A supportive company culture can make all the difference for working moms. Look for companies that offer family-friendly policies such as paid time off, flexible work schedules, and on-site childcare.
By prioritizing work-life balance, working moms can achieve success in both their personal and professional lives.
7. Vacation and Time Off
For working moms without a degree, vacation and time off are crucial benefits to consider when evaluating a potential job offer.
Here are three factors to consider when reviewing a company’s vacation and time off policy:
The number of vacation days offered, including paid time off for sick days and personal days.
The flexibility of the policy, such as the ability to take time off for family emergencies or unexpected events.
The potential for extended leave, such as maternity or paternity leave.
8. Career Advancement
When considering a job as a mom, career advancement is an important consideration. It is essential to choose an employer and a job that offers opportunities for growth and progression in your chosen field.
Advancing in your career not only allows you to achieve personal and professional goals but also provides financial stability and job satisfaction.
Don’t underestimate the power of setting clear career goals and actively working towards them.
By investing in your skills, building a strong network, and setting clear career goals, you can pave the way for a successful and fulfilling career as a mom.
9. Job Security
Job security is especially significant for working moms, who may face more challenges in finding and keeping a job.
Typically, working moms are limited in their job options.
So, look for careers that provide financial security as well as companies with a solid track history.
This is the perfect side hustle if you don’t have much time, experience, or money.
Many earn over $10,000 in a year selling printables on Etsy. Learn how to get started by watching this free workshop.
If you’ve ever wanted to make a full-time income while working from home, you’re in the right place!
This intensive training combines thousands of hours of research, years of experience in growing a virtual assistant business, and the power of a coach who has helped thousands of students launch and grow their own business from scratch.
FAQ
You can search for remote jobs, part-time jobs, or freelance gigs.
You can also look for companies that have flexible policies in place. Also, reach out to your network and ask if anyone knows of any openings that are flexible.
Stay-at-home moms can find a variety of jobs that can be done from home and offer flexibility to work around their schedule. Here are some of the options available:
Working from home offers the benefit of having a better work-life balance and the ability to be present for their families while still earning an income.
Which Job for Moms will You Choose?
For moms who want to balance family and career, finding a job that offers work-life balance and career growth is crucial.
Not only can working increase income, but it can also lead to career advancement and personal fulfillment.
Above, we listed many great jobs for moms. You can choose a job that allows you to work from home, or one that provides flexible hours. Also, many moms like me prefer one of these early morning jobs.
Whatever you choose, make sure you find a job that you enjoy and that allows you to spend time with your family.
Know someone else that needs this, too? Then, please share!!
United Home Life Insurance Company has been in the business of offering life insurance coverage to its clients for nearly 70 years. Its parent company, United Farm Family Life, initially began in the insurance industry in 1937. The firm’s headquarters are located in Indianapolis, Indiana.
Unlike many other life insurers requiring coverage applicants to undergo a medical exam prior to approval, United Home Life Insurance Company is primarily known for offering simplified issue life insurance coverage. This means that those who apply for coverage will be approved – even if they have some type of adverse health condition. This is because these types of policies may not require the applicant to take a medical exam, and may not even require them to answer a great deal of health-related questions.
United Home Life Insurance Company has the motto of “Simplified Products – Faster Results” – and the company abides by this in both its life insurance coverage products and in its customer service. This is because the company believes buying life insurance should not be a long, drawn-out process; it should be as easy as possible for customers. This is one of the things that has made United Home Life Insurance Company so successful throughout the years – especially in this particular product niche.
United Home Life Insurance Company Review
United Home Life Insurance Company also abides by the rule of “life insurance made simple.” The goal of the company is to offer life insurance coverage that is easy to understand and that will provide financial security for the loved ones of insured policyholders.
The company offers a nice selection of different types of life insurance coverage – and many of their plans may be further custom-tailored to meet more specific insurance needs via riders, some even at no additional cost to the policyholder.
In addition to being known for its simplified underwriting products, the company is also known for its top-notch customer service. This comes from both its home office staff as well as the independent agents offering the company’s policies.
Combined, United Home Life and its parent company, United Farm Family Life, have more than $2 billion in assets, as well as more than $20 billion of life insurance in force. For this reason, these companies are in a good, solid position to meet the financial promises they have made to their policyholders.
United Home Life Insurance Company Rating
A- (Excellent) from A.M. Best Company
The parent company of United Home Life – United Farm Family Life – is also very strong financially. It, too, has been given a high mark, including:
A (Excellent) from A.M. Best Company
Types of Life Insurance Available
United Home Life Insurance Company and United Farm Family both offer a wide array of life insurance coverage. This can help clients to better meet their protection needs, as well as assist clients in changing or adding to their coverage as their needs change over time.
The insurers offer both term and permanent protection. With term life insurance, the insured is covered with pure death benefit coverage only – and because of this, the life insurance can often be less expensive than a comparable permanent policy. They are especially more affordable for those looking for a larger policy, such as a million dollar life insurance policy. Term life insurance is purchased for a certain number of years.
Permanent life insurance coverage offers both death benefit protection, as well as cash value build up. The death benefit protection is guaranteed to last for the insured’s lifetime, as long as the premium is paid. Cash value inside of a permanent life insurance policy is allowed to grow tax-deferred. And, the cash may be either borrowed or withdrawn for whatever reason the policyholder sees fit.
Term Life Insurance Coverage
The term life insurance coverage offered through United Home Life Insurance Company and United Farm Family Life provides a defined amount of coverage for a set amount of time. At the end of this “term,” the premium will increase each year until the policy ends, which is typically at the insured’s age of 95.
There are three primary products offered, including:
Express Issue Term 20 – This 20 plan is a level death benefit term policy featuring a 20-year initial level premium guarantee period. The premium will increase on a yearly basis after the 20-year period is complete. The policy features four supplementary riders so the insured has the ability to further customize coverage if he or she would like.
Express Issue Term 30 – This 30 plan is a level death benefit term policy featuring a 30-year initial level premium guarantee. Then, the premium will go up annually. There are also four supplementary riders the insured may add for further customization.
Premier 20 with ROP – With the Premier 20 ROP policy, there is a 20-year initial level premium guarantee period. At the close of the 20-year period, premiums go up annually. There is also a return of premium feature on this policy. There are two supplementary riders available with this type of policy.
Because these are all simplified issue policies, there is no routine medical exam required as a part of the underwriting process, and the coverage cannot be canceled during the term period as long as the premium is paid.
Permanent Life Insurance Coverage
Provider whole life is a permanent life insurance policy that offers both death benefit protection, as well as cash value build up. This cash is allowed to grow on a tax-deferred basis, meaning that there is no tax due on the gain unless or until it is withdrawn.
This is a graded benefit whole life insurance policy, which means that during the first two years of policy ownership, the benefit for death of the insured by natural causes will be a refund of the premiums paid in, plus interest. However, starting day one of policy year three, the full amount of the policy’s death benefit will be paid to the beneficiary should the insured pass away for any reason. There are also several no-cost riders that may be added to this policy.
Final Expense Life Insurance Coverage
United Home Life Insurance Company and United Farm Family offer several simplified issue final expense whole life insurance policies, too. These plans offer a death benefit that never decreases, as well as premiums guaranteed never to increase. They also offer cash value build up that is allowed to grow on a tax-deferred basis.
There are three final expense policies offered, including:
Express Issue Premier – This is an immediate death benefit whole life insurance product offering additional riders and benefits to help in customizing the product to the policy holder’s needs.
Express Issue Deluxe – The Express Issue Deluxe also offers an immediate death benefit, as well as numerous additional riders that can help to offer more customized protection.
Express Issue Whole Life – This graded benefit whole life insurance policy also provides several no-cost riders designed to provide additional value – including an Identity Theft Waiver of Premium Rider.
Accidental Death Coverage
The company also offers the Protector AD accidental death plan. This accidental death coverage is an inexpensive addition to existing life insurance coverage, and it doubles over 20 years. The premium is level and guaranteed for 20 years, followed by guaranteed increasing annual premiums. There is also a return of premium feature. This plan only has one non-health question on its application.
Other Products Sold
United Home Life Insurance Company and United Farm Family also offer an Express Issue Deluxe Whole Life insurance policy that provides an immediate death benefit to qualifying insulin-dependent diabetics. This means that there is no need to wait for two or three years of policy ownership in order for the full amount of the death benefit to be paid out.
A home is the most important part of keeping your family safe and secure.
It protects your family from the weather, keeps you safe as you sleep at night, and is the center of some of the happiest family memories you’ll have.
Getting a mortgage is one of the ways many families find their perfect home, but complicates their lives beyond need.
Family Life Insurance Company specializes in mortgage protection life insurance policies, helping your family through the tough times following a loss and ensuring you don’t lose your home in the process.
Keeping your family safe and secure is the entire reason for a life insurance policy, and Family Life Insurance has exactly the policies you need to not only provide for your family, but also keep the roof over their heads.
What is Family Life Insurance?
Working with some of the top mortgage companies in the world is what gives Family Life Insurance Co. the ability to offer a unique policy to help take care of your mortgage while also getting a dependable life insurance policy. Combining your life insurance premium and mortgage bills together is a convenience you won’t find with other insurance companies, and can help pay off your mortgage faster for companies willing to work with you.
Taking care of expenses after a family member has passed on can be difficult, and most life insurance policies are meant to take care of that problem, but a mortgage life insurance policy also helps pay on whatever is left of the mortgage on your home as well.
A little extra can go a long way is adding security for your family when you’re gone, and the same policy available to you and your spouse is also available for your children as well. Protecting your family and your home doesn’t have to be two separate jobs, and Family Life Insurance Co. makes taking care of them both much simpler.
How Long Has Family Life Insurance Been in Business?
With a history of dependable mortgage life insurance policies since 1949, Family Life Insurance Co. has the experience and expertise you’d expect from any top-notch company. They know what rates work to ensure you get the best premium and can help you select the best policy, whether you want a term life, whole life, universal life, or variable universal life policy.
Providing security and peace of mind for your family means having a life insurance company you can trust and depend on, and Family Life Insurance Co. is exactly that. Check out our page for a company reviews to learn more about what other great companies have to offer, such as Banner Life Insurance.
Mortgages and Life insurance
If you think about it, your salary and your house are two of the biggest financial aspects you have have, income and expense-wise. These are two of the biggest financial decisions of your life, and you need the company that is going to give you the best products for these decisions.
More than likely, a mortgage payment is one of the biggest debts you’d leave to our dependents. Having a policy which covers, at a minimum, this amount, can help you leave your family in the home they already feel most secure.
Every year there are countless heartbreaking stories of a family that has lost a loved one unexpectedly. What makes these stories worse is the part where the deceased didn’t have life or mortgage protection, which means that their family was stuck with a pile of new bills they have little to no way of paying.
Have enough coverage will give you the peace of mind knowing that whatever happens in the future, your family will have the resources they need to get through.
Family Life Insurance Co.
The insurance company offers several products to choose from to fit your family’s needs. One of the most notable products is the Mortgage Protection Insurance and Family Protection EZ. This plan will provide a plan with $250,000 of insurance coverage.
One notable benefit to this policy is that you can name the lending company the beneficiary of the plan, which reduces the amount of stress and additional work your loved ones will have to do.
As an additional bonus to this plan, you can also add several riders that can provide life insurance coverage. Combining these two plans will make your payments rolled into one bill. The less paperwork that your family has to deal with after the passing of a loved one is better. When people are going through a difficult time in their lives, simple things can become overwhelming. Dealing with insurance isn’t the easiest thing, especially for a grieving spouse or child.
Aside from their Mortgage Protection Insurance and Family Protection EZ plan, Family Life Insurance Co. offers several basic and premium life insurance plans for you and your loved ones.The company has been providing coverage to families across the United States for years. In most cases, applicants are surprised to see how affordable their coverage is.
If you don’t have an adequate plan that will cover the costs of your mortgage and other final expenses, don’t wait any longer. You don’t know what is going to happen tomorrow.
Even if Family Life Insurance Co. isn’t the company that works perfectly for you, we would like to help you find the one that does.
Simply fill out our quote form and we can provide you with the lowest quotes for your particular situation.
Apparently, our loft has nine lives. Just when you thought we couldn’t redecorate yet again – I got pregnant! My first thought upon hearing that le bebe was on the way after the initial shock wore off!?? How the heck would we cram a baby in our loft! With our new/old house months away from completion, I knew we had to find a way to make our 1-bedroom space work for our suddenly growing family. Thankfully, I think we’ve managed to do it, and quite well if I do say so myself!
In order to make way for baby, we did have to say so long to the Apartment 34 Studio wah!!. It was in the only room in our space that has a door that closes other than bathrooms of course. I also decided climbing up and down from our loft bedroom to the nursery two flights below would be less than ideal – so we decided to combine the two. I’m rather thrilled with how our bedroom + baby room turned out – but quickly, here’s a reminder of where we started:
And here’s how the room is looking NOW!
If we’d had room for a separate nursery I would have been all for it, but since we had to go with co-sleeping, I set out to create a combined master bedroom/nursery that was functional for baby, but also aesthetically pleasing for us grown-ups! The key was to keep the space from feeling too childlike. This was accomplished in three ways: 1) sticking with neutral color palette, 2) using black as our accent color and 3) relying on modern pieces throughout the space – even the stuff for the baby.
The room really started around the alphabet print above. We stumbled upon it in a shop in St. Helena. I immediately loved the muted tones and unique animals narwal anyone?!. Confession: we actually originally bought it as a baby present for some friends, but then one thing led to another and it never got sent! Whoops! So it became the main inspiration for our color palette and overall vibe.
I was also thrilled I could repurpose many of the existing design elements in the room, including our floating Ikea shelves that once served as our office bar as you may have noticed in the before pics above. They are now our changing table. Carter loves looking up at his Ladies & Gentlemen Chime from his changing pad. Diapers and all other changing accoutrements are at arms reach but incognito in the woven basket. Everything else – wipes, onsies and burp clothes are all tucked neatly away. Fun side note: I’ve had that felt Mariners mini-pennant since I was about six!
My favorite creative idea in the room? Using a chic modern towel ladder designed by Norm Architects to hang swaddle blankets you go through a ton! and display modern books and toys. My killer woven leather basket that used to house my magazine collection organized, now holds all of Carter’s little stuffed friends. I used sheepskins throughout the room to add warmth and a cozier feel – since we have a concrete floor!
I also tossed some DIYs into the room. Yes I said DIY! For example, rather than hang faux stuffed animal heads or a baby-themed gallery wall above the crib, I found a set of geometric metal sculptures on Amazon. I simply spray-painted them white with one left black to pop and tacked them to wall. It’s a completely malleable art installation that cost less than $25! I love that it gives some visual interest without being overbearing.
I did have to say good-bye to one of my favorite DIYs – our gorgeous gold bookcase see the before image for reference. It was just entirely too girly for my hubby – and even for me these days. So back to bright white the bookcase went. Instead of office supplies, I styled out the shelves with a mix of grown-up elements like design books and my collection of Kinfolk Magazines. I combined those with some childhood treasures like my collection of Mariners bobbleheads and my husband’s Boy Scouts rally car. I can’t wait to see Carter play with it one day!
Sure, there are a few whimsical touches in room. My clouds and stars mobile by Baby Jives came from my similarly themed baby shower. Yes, there are some overly sacchrin stuffed animals in the room. But other than that, we intentionally kept the baby decor as paired down as possible. It is only temporary after all. And it’s amazing how quickly things you “must” have for baby can accumulate. But now that we’re almost three months into this whole parenthood thing, I’ve narrowed down my newborn nursery must-haves to the absolute essentials. When you’re dealing with a small space, I highly recommend sticking with the basics. Baby stuff will take over if you’re not careful! Thankfully, I found quite a few of my favorite well-designed baby accessories from Munchkin. Carter particularly loves their Latch bottles – which was great because I surprisingly had a lot of anxiety about bottle selection. They even make a travel bottle warmer, making naps on the go so much easier! So many new things to worry about as a lady with a baby… But I digress.
Here are the rest of my nursery faves. I think they’re as aesthetically pleasing as they are functional!
GET YOUR SHOP ON:
> Latch Bottle by Munchkin > Nuna Leaf baby Lounger > Wipes Warmer by Munchkin > White noise, Baby Log & Wonder Weeks iPhone apps > Diaper Pail > Video Baby Monitor > Crib > Latch Pacifier
So do you like?? I bet you didn’t think we could switch things up any more after this office makeover, and then this one, and this living room makeover and then this one but I was determined to make the loft as functional and fantastic as I could for the short time that we’ll continue to be here. A space I love is SO critical to my sanity. And let’s be real – I’ll jump at any excuse to redecorate! I’m dying to hear what you think of the space! And if you like what you see be sure to come back. We updated what was our bedroom and made a few changes to our living room too. I’m going to be revealing those spaces next week!
Nursery/Master Bedroom Resources:
west elm platform bed // cedar & moss sconces // h&m linen bedding // jm generals wool bed throw // original art by bianca sotelo // stokke mini crib // aden & anais baby bedding // jessie black felted sheepskin // baby jives mobile // menu towel ladder // serena & lily stool // sheepskin rugs // vintage turkish rug & felt rug pad // ladies & gentlemen studio chime // onefortythirty wall lamp // pottery barn kids nesting floor baskets
Original photography for Apartment 34 by Aubrie Pick
This post is in partnership with Munchkin. Munchkin rids the world of the mundane by developing clever, innovative solutions that make family life safer, easier, and more fun. You can find Munchkin products at Munchkin.com, Target, Babies’R’Us, Walmart, and Amazon. It’s the little things! All opinions expressed in this post are 100% my own. Thanks for supporting collaborations that we’re excited about and keep the Apartment 34 doors open!
For past generations, “growing up” meant getting married, buying a home and starting a family.
That’s not necessarily the typical path anymore.
[find-an-apartment]
Nuclear families (those defined as a husband, wife and an average of 2.3 children) used to be the majority. These days, in many cities, living solo is common and may well be the new normal.
Read on to learn more about what it means to be in charge of your own apartment household of one!
Quickly-changing times In 1950, the majority of Americans who lived alone were male migrant workers, taking jobs in sparsely-populated rural areas like Alaska or the mid-West. For these workers, living alone represented a temporary situation — one that eventually made way for a typical married life.
Fast forward to 2011. The Census from that year showed that more than 30 million people live alone, compared to the 10 million living alone in 1950. Those 30 million people represent a whopping 28 percent of all United States households. These numbers show that traditional attitudes towards family life and its milestones are changing.
Should You Live Alone or with a Roommate?
The family of one According to Eric Klinenberg, a professor of sociology at New York University who has written a book on the solo living trend, the appeal of living alone will continue to grow in our tech-obsessed society. Klinenberg suggests that because our smartphones and computers connect us to one another on a 24/7 basis, many people crave alone time. Solitude provides the much-needed respite that many use to recharge their internal batteries.
Census data on marriages also suggests a reason for so many “family of one” households. According to a 2010 Pew Research study, Millennials (the name for the current generation of 18 to 29 year olds) just aren’t in a hurry to get married. Only 21 percent of them are married, in fact. By comparison, 42 percent of Baby Boomers were married by that age, and 29 percent of Gen Xers. It seems, for younger Americans, that living alone is the new definition of “grown up” — an important milestone to cross before moving on to the challenges of adult life, including – perhaps — marriage.
Single Serving: Tips on Cooking Smart for One
Solo in the city The majority of people who choose to live by themselves find urban centers. In fact, New York City and Washington, D.C., are half-populated by single households. In cities, where resources are accessible and transportation is more communal, the stage is set for individuals to carry out their lives without the same need for at-home support that used to be almost a necessity. It’s arguable, also, that the rise of the Internet has connected people in a way that mediates the need to share a home. For some, the city becomes their home.
“Living alone” and “being alone” are definitely not the same thing. Klinenberg actually found that those who live alone are more likely to be actively social than their married counterparts. He notes that living alone tends to make people seek out more social interaction, shattering the stereotype of the “lonely single guy/girl” and reinforcing that living alone can actually be liberating.
Christina Hall and her husband Josh have a busy summer ahead.
An all-new season of “Christina on the Coast,” the Southern California-based HGTV docuseries that chronicles Christina’s home renovation and design business and family life, is set to debut June 29. In addition to transforming a new slate of clients’ coastal-inspired homes, Christina will also tackle a remodeling project inside the ultra-modern Newport Beach, CA, mansion she purchased in 2022 for $12 million.
“Now that Christina is settled in a new home closer to family and friends, the busy mom of three, author and entrepreneur also will tackle her own kitchen overhaul alongside husband Josh Hall,” according to a press release.
The property, built in 2021, is chock full of luxury touches like floor-to-ceiling windows, an “interstellar” home theater, and a lap pool. And although we have yet to get a good view of the kitchen, it’s hard to believe a home this new—and this deluxe—is worthy of a renovation. But that’s all the more reason to tune in.
Prior to buying in Newport Beach, Christina and Josh, who tied the knot in September 2022, put down roots in a modern farmhouse on 23 acres in Franklin, TN. The southern suburb of Nashville was their home base while filming the first season of “Christina in the Country,” the countrified spin-off that chronicled the HGTV stars expanding their business on the other side of the country.
Just in case you’re keeping track, Christina separated from her second husband, Ant Anstead, in September 2020, and their divorce became final in June. They had been married since December 2018, and stayed together for just under two years.
Christina explained on Instagram that she and Josh had been dating in strict privacy for “several months” prior to her going public with their relationship in July 2021.
“I met Josh when I wasn’t in a state of fear or fight-or-flight … I had taken time off social, hired a spiritual coach and smoked a Bufo toad (which basically reset my brain and kicked out years of anxiety in 15 mins),” Christina said on Instagram. “When we met this past spring, the synchronicities hit us so hard and fast they were impossible to ignore.”
In any case, Christina seems to dig romantic relationships with men in the real estate industry. Her first marriage, to her “Flip or Flop” co-host, Tarek El Moussa, lasted over ten years, and their TV series ended in 2022 after 10 seasons.
Ahead of the sixth season of “Christina on the Coast,” here are a few surprising facts every HGTV fan should know about Josh Hall.
1. He’s a real estate agent in Austin
Hall is a real estate agent at Spyglass Realty, having relocated to Austin, TX, in 2017 “after visiting and falling in love with its beauty,” he explained in his bio. “I just could not leave without buying a home of my own in this little slice of heaven. I was actually born not too far from Austin, at Ft. Hood Army base where my father was stationed.”
Yet while his bio and contact information used to be proudly displayed on Spyglass, all that’s there now is his square-jawed headshot. Could this mean that he may soon be moving into Christina’s gorgeous new Newport Beach home, and getting his real estate license in California? Perhaps. In fact, we wouldn’t be at all surprised if we soon see him in cameos (or more) in “Christina on the Coast.”
2. He’s not a real estate snob
A review of his Realtor.com® profile reveals that he was responsible for 15 home sales in the past two years, representing either the buyer or seller. The market in Austin has been feverish over the past two years, and Hall appears to have specialized in homes in the $200,000 to $900,000 range. Most are traditional, two- to four-bedroom houses, some on sizable lots measuring an acre or more.
No Instagram, no Facebook, no Twitter feed, not even LinkedIn for business purposes! Believe us, we looked. He may be the last remaining real estate agent of his generation who doesn’t at least promote his listings somewhere online.
Christina seems to like it that way, and we can’t blame her.
“The internet and social are great for businesses or staying up to date on fam / friends but also can be toxic and (let’s be real) pretty fake,” she wrote on Instagram. “Josh doesn’t have social media.”
4. He was formerly a cop—for all the right reasons
Hall’s bio also reveals this: “While living in southern California, I realized my passion was to help others and I became a police officer at the age of 21. Before my 16 year career was cut short due to injuries sustained in the line of duty and ultimately leading to an early retirement, I took great pride in helping people with everyday difficulties and putting them at ease.”
It seems he’ll once again be protecting Southern California properties and citizens, at least in a more personal way, as his future wife and three stepchildren all call Orange County home.
5. He loves dogs
In Hall’s spare time, he says, “You can find me exploring with my two dogs, floating on one of Austin’s many bodies of water or flying to rescue puppers from kill shelters.” Talk about a noble cause!
Since Christina already has two pups of her own, a Rottweiler named Biggie and a French bulldog named Cash, her Newport Beach home is already pet-friendly. But the question is, will Hall and his pack all fit inside their home—and on the family bed?
6. His sisters are reality TV–famous
Something else Hall and Christina have in common is reality TV. In fact, Hall’s younger sisters are deeply steeped in it. His sister Stacie Hall Adams appeared regularly on “The Hills” as Stacie the bartender. His sister Jessica was a former Playboy model, hosted the MTV reality series “Burned, and made regular appearances on “Kendra” and “Kendra on Top,” as the close friend of fellow Playboy star Kendra Wilkinson.
7. He has an uncanny link to Tarek El Moussa’s fiancee, Heather Rae Young
Hall’s sister Jessica now hosts the podcast “Flashbacks” solo, but she formerly hosted it with bestie Heather Rae Young of “Selling Sunset” fame. Yes, that Heather Rae Young, the one who’s engaged to El Moussa, Christina’s first husband. Hollywood is such a small town!
8. He’s inked to the brink
Oh, the tales Hall’s tattoos could tell, like what’s up with that hatted man adjacent to his left pec, and why the spiderweb on his left knee? He must have his reasons for them all, and he could spend countless hours in the telling.
9. He’s already close to Christina’s kids
He appears to already be fully accepted by Christina’s kids, at least her two oldest, Taylor and Brayden. A recent Instagram post revealed that the four of them spent a quick, kid-friendly weekend in Las Vegas: “24 hours in Las Vegas with the big kids—wave pool, aquarium, steak dinner repeat ❤️🎰.” Cheers to that!
10. Christina has his back
Don’t you dare be all judgy about Christina’ third engagement on social media, or Christina will come out swinging.
She’s posted several Instagram tirades, including this one: “People are way too concerned about other people’s lives. They spend so much time judging others to avoid working on their own sh*t … Life is short. Do what you love with the ones you love. For me, that’s Josh, my kids and a few close friends and co-workers. ✌🏼”
Life insurance coverage is an essential financial tool.
The proceeds from these policies can often make the difference between loved ones dealing with long-term financial hardship or being able to move forward with paying off debts or paying their everyday living expenses in the case of the unexpected.
When considering the best life insurance policy for you, it is important to determine the type and the amount of coverage that you require, as you don’t want those you care about to be underinsured.
An equally important part of the equation is the life insurance carrier from which you purchase your plan. Something to consider as well is whether your prospective insurance company provides key person insurance.
It is often overlooked or not considered when planning for the future, but it can be the difference between a business making it or not upon death or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company. Take the time and see if it’s something you need to get for your business or firm.
You will want to be sure that the carrier is strong and stable from a financial standpoint. Another key criterion is that the carrier has a good reputation for paying out its claims. One company that meets these factors is Aflac.
The History of Aflac Life Insurance Company
Aflac (American Family Life Insurance Company) began offering insurance coverage to its customers more than 60 years ago. The coverage that this company is considered to be “voluntary” in that the policies can supplement other insurance coverage that an individual may already have.
The founders of Aflac are three brothers – John, Paul, and Bill Amos. In starting this company, the brothers saw a need for financial protection if a medical need occurs. Aflac had its beginning in Columbus, Georgia, and it started with just 16 employees and 60 sales agents.
In just the first year, Aflac had more than 6,400 policyholders and roughly $388,000 in total assets. Over time, the company grew and expanded its list of coverage offerings to its policyholders.
One way that the company grew exponentially was by offering its products to the workplace. Here, large numbers of employees of a company could sign up for protection at one time. As the company grew, it started to offer its products internationally, and in 1974, the products were offered in Japan. Within just one year of this occurrence, Aflac has written roughly $25 million in insurance premiums. During that same year, the company also started trading on the New York Stock Exchange.
The 1980s were a time of substantial growth for Aflac – and in 1982, the company had more than $1 billion in assets. In the decade of the 1990s, the company began its now-famous advertising campaign, which features the Aflac duck.
In the mid-1990s, the company also introduced a SmartApp. This allowed agents to issue insurance business electronically – which sped up the process a great deal and allowed customers to be covered much more quickly as well.
Due in large part to its innovative advertising strategy, 9 out of 10 people recognize the Aflac name and the brand. Ever since its beginning back in 1955, Aflac has put the customer first. It does so primarily by paying out its policyholder claims in a timely and efficient manner.
Today, Aflac – a Fortune 500 company – has more than 50 million policyholders. In addition to just offering protection products, Aflac is also involved in the communities in which it serves. For example, in 2011, the company contributed more than $1 million to the Red Cross for tsunami relief in Japan. And, in 2012, the company was rated as number 69 on Newsweek’s “Green Rankings” of the largest 500 companies. By the year 2013, Aflac had appeared on Fortune magazine’s list of the World’s Most Admired Companies for the 13th time.
The company continues to grow and prosper, due in large part to helping its customers protect against the loss of income and assets, as well as helping them to pay supplemental medical expenses. Aflac has a wide reach in terms of attracting potential customers. Its key distribution channels include individuals at the work site, in retail locations, and in their home. Presently, Aflac is the number one provider of voluntary insurance at the worksite in the U.S.
Aflac’s Insurer Ratings and Better Business Bureau Grade
Aflac has very high life insurance company ratings that are provided by the insurer rating agencies. These ratings are indicative of the company’s overall financial strength, as well as its timely benefit payout to the company’s policyholders. These ratings include the following:
A+ from A.M. Best
A+ from Standard and Poor’s
As3 from Moody’s
In addition, Aflac is also an accredited member of the Better Business Bureau (BBB). It has been a member of the BBB since January 1, 1958. Also, the company has been given a grade of A+ from the Better Business Bureau (on an overall grade scale of A+ to F). This puts them on par with other top life insurance companies like Transamerica or Banner.
Throughout the past three years, Aflac has closed a total of 497 complaints through the BBB. Of these 497 complaints, 357 had to do with problems with the company’s products or services. Another 96 of these complaints were concerning billing or collections issues, 25 had to do with advertising or sales issues, 11 were about delivery issues, and eight were in regard to guarantee/warranty issues. There are also 20 customer reviews that have been posted on the Better Business Bureau’s website in regard to Aflac.
Life Insurance Products Offered by Aflac
Aflac offers several options for life insurance coverage. These include both term and permanent protection. With term life insurance, a policyholder is covered with death benefit protection only, without any type of cash value or savings build-up. Term life insurance is purchased for a certain period, or “term,” such as ten years, 15 years, 20 years, or even for 30 years, depending on the policy holder’s needs.
Permanent life insurance coverage offers both death benefit protection, as well as cash value, build up. With a permanent life insurance policy, the coverage can last throughout the policy holder’s life, provided that he premiums remain paid.
This type of life insurance protection will also allow tax-deferred growth of the funds that are inside of the cash value component. This means that there are no taxed due on the growth of these funds unless or until they are withdrawn.
A permanent life insurance policyholder may be able to borrow or to withdraw these funds for any reason at all – including the payoff of debt, the supplementing of retirement income, or the assurance that a child or a grandchild will be able to pay for their college expenses.
There are no medical questions to be answered on the Aflac life insurance policies. This means that even those individuals who may have certain health conditions can still qualify for life insurance coverage.
The plans offered by Aflac are also portable. This means that if an individual purchases a plan as a part of his or her employee benefits package if they leave the company, they may still take their life insurance coverage with them.
Aflac also offers juvenile life insurance coverage. With these plans, a child may be protected by providing insurability as an adult, as well as by providing them with a jump-start on the road to financial independence.
The company also offers AD&D coverage (accidental death). With the Aflac accidental death coverage, if the insured passes away due to injuries that are sustained from a covered accident, then an additional amount of proceeds will be paid out to his or her named beneficiary.
On the insurance plans that are offered through employers by Aflac, there is typically no direct cost to the company. Rather, employees can pay for their coverage via direct payment of the premiums through their weekly paychecks.
Aflac offers a life insurance calculator directly on their website. This can help an individual with determining just how much life insurance coverage they may require based on their specific situation.
Other Products Offered
In addition to just life insurance coverage, Aflac offers a wide range of other protection and supplemental products. These include the following:
Accident insurance – The accident insurance plan via Aflac offers cash benefits to help provide financial support during the various stages of accident care, as well as recovery. These proceeds may be used by the policyholder to help with paying for emergency treatment, or for treatment-related lodging and transportation.
Cancer insurance – The cancer insurance coverage that is offered via Aflac can help to provide a lump sum of proceeds that may be used for a wide variety of needs, such as treatment, living expenses, or uninsured medical procedures.
Critical illness insurance – Critical illness insurance protection can help to provide funds for helping with the cost of treatment of a covered illness. Having funds available can provide the peace of mind that may be required for helping an individual to recover.
Hospital intensive care insurance – Charges from a hospital stay can often be substantial – and in some cases, these may or may not be covered through a regular health insurance policy. With that in mind, a supplemental hospital insurance plan through Aflac can help. With Aflac, these funds can be made available very quickly, as the company has a one-day payment of claims.
Hospital indemnity insurance – With hospital indemnity insurance, policyholders can also be assured that uncovered expenses from their regular health insurance can be fully or partially taken care of.
Dental insurance – The dental insurance coverage that is offered through Aflac provides a wide variety of benefits, with no networks, deductibles, or pre-certification requirements to deal with. Just go through your local dentist and have your insurance information with you.
Vision insurance – Regular eye exams can do much more than just help with correcting one’s vision. These can also help to point out other health-related issues, such as high blood pressure or cholesterol, diabetes, or even a brain tumor. Having this coverage can be well worth the premium cost.
Also, Aflac also helps its client/employers with setting up benefits, such as through cafeteria plans. COBRA administration is also available through Aflac.
How to Get the Best Quotes on Life Insurance Coverage
When searching for life insurance coverage, it is important to work with an independent company that can help you in finding the very best rates. An independent company or agency will not be associated with just one single insurance carrier, but rather with multiple carriers. Because of this, you will be much better able to compare life insurance policies, benefits, and premium rates – and from there you can determine which of these will be the best for you and your specific needs.
If you are ready to begin the process of finding the best life insurance plan, then we can help you. We work with many of the top-rated life insurance carriers in the marketplace today, and we will assist you with obtaining all of the details that you require for making an informed purchase decision. We can do so for you very quickly, easily, and conveniently – all from your home computer, and without the need to meet in person with a life insurance agent. When you are ready to being, just fill out the quote form on the aide of this page.
We understand that the purchase of life insurance can be somewhat overwhelming. There are a number of variables that you need to be aware of, and you want to be sure that you are choosing the proper type and amount of insurance coverage.
The good news is that today, there are many options that are open to you. We will assist you with finding the one that best fits your specific coverage needs. So, contact us today – we’re here to help.
Here on Making Sense of Cents, I talk a lot about different ways to make money on the side and the many great side hustle ideas. I do this because I truly believe that making money on the side can change a person’s life.
After all, learning about different ways to make money on the side changed my life.
My main side hustle a few years ago mainly consisted of me blogging here on Making Sense of Cents. Then, it quickly grew, my income matched and then exceeded my day job income, and I actually made the decision to leave my day job in order to pursue my side hustle full-time.
As you can probably tell, starting a side hustle significantly improved my life and it’s something I will ALWAYS be extremely happy about. My side hustle income allowed me to pay off my debt quickly, leave the job I disliked, start working towards my passion, and travel extensively.
Taking part in the many different ways to make money on the side can allow you to:
Pay off your debt;
Save for things such as a vacation;
Stop living paycheck to paycheck;
Reach retirement sooner;
Not feel as stuck at your job;
Become more diversified.
Many others believe in the amazing power of side hustle income as well. I recently interviewed many side hustlers, freelancers, business owners, and more about the different ways they’ve made money on the side and compiled them into one extremely informative blog post to help all of you. Plus, they share their tips on how to manage side jobs better so that you can make money on the side while not going crazy.
Below are over 40 different side hustle ideas and tips from the experts. There are many different ways to make money on the side and I’m sure you’ll find one below.
Related articles on side hustle ideas:
Here are over 40 ways to make money on the side:
Start a blog.
Blogging is how I make a living and just a few years ago I never thought it would be possible. I now make a great living online, I travel full-time, and I enjoy the work I do.
I made over $300,000 last year by blogging and will make more than that in 2016 (I’m hoping to double my income this year).
There are many ways to make money on the side and one of the top ways I recommend is to start a blog. You can create your own blog here with my easy-to-use tutorial. You can start your blog for as low as $3.49 per month plus you get a free domain if you sign-up through my tutorial.
Become a Brand Ambassador.
“A side hustle that I absolutely love is being a Brand Ambassador. A Brand Ambassador quite simply shares talking points and usually free swag with the public in order to build brand awareness. Brand Ambassadors typically work on the weekends at different events so the trick is to manage family time if you have a family. For more information on how to become a brand ambassador check out the following post: How To Become a Brand Ambassador.” – Michelle Jackson
“Love meeting new people? Many cities have active brand ambassador Facebook groups that are constantly looking for product demonstrators, trade show spokespeople, tour managers, and more! And brand ambassadors can expect to earn $15-20 per hour.” – Kate Dore
Related: Become A Brand Ambassador And Make Extra Money
Write a book.
“Self-publish a book on Amazon that focuses on a topic at the intersection of 3 things: 1. your passion; 2. your expertise; 3. a need in the marketplace How much a person could make would be based on how much they want to charge for the book, but I would say you could make anywhere from $50 – $300 / month, depending on your book content / audience.” – John Lee Dumas
“Anyone can be a self-published author now and it is one of my favorite side hustles. Whether you want to share tips on how to do something or want to write a fictional story, any topic can be published. How much you make depends a lot on how much competition there is for the same type of book. I make between $300 and $500 a month for a crowdfunding book I wrote last year while my investing books make between $100 and $250 a month. The best thing is that, once published, they will keep making money year after year.” – Joseph Hogue
“Publish a book. It is easier than it used to be. You can self publish or if you have a platform such as a blog with associated social media you can pitch to publishers and generate interest there. Publishing a book increases credibility and leads to other opportunities such as speaking, course, freelance writing, judging, presenting awards, launching events and a lot of media exposure. Depending on how you do, what niche it is, how well you market it you can make anywhere from nothing right through to millions. Personally, getting asked to publish a book back in 2010 changed everything and was a pivotal turning point for me. Quite a few friends of mine earn a few hundred thousand a year from their books and associated content, others a couple of million. Most authors only make a few thousand if they are lucky though. It is all in how you market and how much of a following/community or tribe you have.” – Kylie Travers
Become a virtual assistant.
There are many ways to make money on the side online, and one of them is by becoming a virtual assistant.
“My favorite way for someone to make extra money from home (and what I would personally do if I needed extra money FAST is to be a virtual assistant. Specifically, I would be a VA to bloggers. There are so many ways to do this, including assistant with social media, creating images, writing content, etc. There are lots of Facebook groups set up specifically for people to sell content to bloggers. Really your income is only limited to the time you want to invest in it. Some VAs charge per hour and some charge per project/post. With a few hours per day, I’d say you could easily make $50-$100 extra per day.” – Lena Gott
“I’ve made most of my money by working as a VA and blog manager for busy blog owners. I fit my side hustle in alongside my full-time job by reminding myself that I was making a temporary sacrifice of sleep and free time in order to build my business to the point I could quit my job. I now make over $5,000/month online with my business.” – Kayla Sloan
A virtual assistant helps a business run more smoothly. You can be contracted for one project (such as collecting data for research) or it can be a continuing job such as replying to e-mails and comments. Virtual assistant work can range widely. There are many, many tasks that people hire virtual assistants for.
Related: How To Become a Virtual Assistant and What Does a Virtual Assistant Do?
Become a coach.
“Coaching is a great way to make side income. It needs practically no monetary investment… just time. Just be mindful of what you charge per hour, as almost everyone starts way smaller than they really should. When pricing your coaching services, if in doubt, double it!” – Chris Ducker – ChrisDucker.com
“One on One coaching is a really simple and fast way to start earning income fast for yourself. While people who’ve been doing this for a while will typically earn around $300, $500 an hour, someone just getting started could expect to earn $50 a $100 an hour. The benefit with this side business is that you can earn more per hour starting out which means you won’t have to work as much to earn as much. Also, consider offering package deals, this will allow you to sell at a higher price point and this gives a definite start and end date to things.” – Chris Holdheide
Sell on eBay or Craigslist.
“I go through twice each year and pick up items I’m not using to sell on craigslist or ebay. I make about $3-400 each time I do it. That’s an extra $800 for something cool!” – Lauren Bowling
“One of my favorite ways to make extra money is to go around my house and find one thing to sell on Craigslist every week (particularly on Fridays right before the weekend when everyone loves to get rid of their money ;)). It not only helps you de-clutter and get rid of stuff that’s no longer important to you, but also make some good side money that you can then bank towards something you do care about! I made over $1,200 doing this last year and it helped fund a Roth IRA. Give it a shot!” – J. Money, BudgetsAreSexy.com / RockstarFinance.com
“One way that a person can make side income is by selling items on eBay. The amount of money varies. It depends on how many items you are selling and also the type of items. I’ve had months where I’ve made $300 (part-time), but I’ve also had months where I’ve only made $50.” – Jason Butler
Whether you have old clothes you want to sell, a car, electronics, or something else, eBay or Craigslist can be a great way to sell many different types of items.
Related: How To Sell On Ebay
Edit for others.
“One way a person can make a side income is to provide edits to authors. The amount they can make depends on the type of edits they provide and the number of projects they take on. I primarily take on larger projects that involve either developmental edits or line edits (or both!) but short story projects can also be a good way to work on brief projects while making a side hustle and break up the monotony of projects that are the same length. How much a person can make can also vary based on how they charge; for example, I charge per word in order to provide a better estimate, but some people charge per page. ” – Megan Harris
Get paid to search online.
Did you know that you can take paid online surveys to make extra money?
Swagbucks is just like using Google to do your online searches, except you get rewarded points called SB for the things you do through their website. You can also earn points by taking surveys, watching videos, and shopping. Then, when you have enough points called SB, you can redeem them for cash, gift cards, and more. You’ll receive a free $5 bonus just for signing up through my link!
InboxDollars is another online rewards website I recommend. You can earn cash by taking surveys, playing games, shopping online, searching the web, redeeming grocery coupons, and more. Also, by signing up through my link, you will receive $5 for free just for signing up!
Another one you may be interested in related to this one is Nielsen Digital Voice. Digital Voice is a part of Nielsen, which I’m sure you’ve heard of. All you have to do is surf the web and you may be able to start earning money.
Become a proofreader for court reporters.
In 2014, Caitlin made slightly over $43,000 by being a freelance proofreader, while also going on several fun vacations. If you are looking for a way to make money on the side, this may be something you want to look into.
“Court reporters use digital stenography machines in combination with computer-aided transcription software to write verbatim records of various legal proceedings. They report depositions, trials, hearings, arbitrations, case management conferences, compulsory medical examinations, examinations under oath, and pretty much any other type of legal proceeding. Because of the sensitive nature of legal proceedings, it’s imperative that as many errors as possible be eliminated from transcripts — an especially major error could ruin an entire trial! A fresh set of eyes will 99% of the time catch more errors than the same eyes who saw the text from start to finish, too. An excellent proofreader is a huge asset to a court reporter — especially a court reporter who wants to make more money.” – Caitlin Pyle – Make Money Proofreading By Becoming A Freelance Proofreader
Answer surveys.
You can get paid to answer surveys and to test products all from the comfort of your home. Due to this, I think it’s one of the easy ways to make money on the side as you don’t need any experience, skill, inventory, or anything like that.
Survey companies I recommend include VIP Voice, American Consumer Opinion, Survey Junkie, Clear Voice Surveys, Pinecone Research, Opinion Outpost, Survey Spot, Prize Rebel, and Harris Poll Online. They’re free to join and free to use! It’s best to sign up for as many as you can as that way you can receive the most surveys and make the most money.
Clean homes.
“One great way for a person to start making some side hustle income is to clean houses. It’s a chore that’s always in demand (I personally hate having to clean), and it’s pretty easy to get into. You can make anywhere from $100 a job and up, all depending on the time and level of cleaning you do.” – Glen Craig
Find a part-time job.
There are many, many part-time jobs out there that may be able to work along with your schedule at your full-time job. You can find a job on sites such as Snagajob, Craigslist (yes, I’ve found a legitimate job through there before), Monster, and so on.
Start an e-commerce store.
“A great way to make a side income is with an e-commerce store. Unlike a blog or an info site which does not actually sell anything, an online store allows you to quickly scale and generate revenue immediately after launch. My wife and I made over 100K in profit in our first year with our shop.” – Steve Chou
Drive a taxi or become an Uber driver.
“Drive a taxi at night. I’m reliably told that on Friday and Saturday a taxi driver who owns his/her car can make up to $300 per night. Nothing to be sniffed at! But what you decide to do as ‘side hustle’ depends on what you like to do and what you are really good at. If you like dogs, start a dog walking/sitting hustle.” – Maria Nedeva
“I’m always looking for new ways to make a few bucks so that I can then share the results with my readers. I wanted to test out Uber so that I could see if it was worth it. I drove part-time (weekends and evenings). The first week of driving generated me $651.60. Since the article went live, many of my readers have started driving on the side. You won’t get rich, but the extra money adds up. The other positive is that you save money by not going out. This side hustle will help you pay off debt and save up for your major goals. Good luck on the road and cheers to your new friendships that you’re going to create.” – Martin Dasko
Related: How To Become An Uber Driver
Write online.
“Freelance writing is an excellent side hustle because you can commit your time “per article,” and work at any time of the day or night. Most people can expect to make $50 per article and up. However, a lot of people – including myself – make considerably more as a professional freelancer.” – Holly Johnson
Test websites.
“One cool way to earn money on the side is by testing websites. There are a number of sites out there, but UserTesting.com is the best. You get paid $10 for testing websites and apps and following their instructions. It’s simple, easy, and you can earn about $30/hour with this. The work is not guaranteed, but it’s a great way to maximize any of your downtime with earning extra cash.” – Grayson Bell
Prepare taxes.
“One great side hustle most people can easily learn is preparing taxes. If you start your own tax preparation firm, your potential is unlimited. However, if you’re just learning, try getting a part time job at a place like Liberty Tax or H&R Block or a local CPA firm. At the big brands, like Liberty Tax or H&R block, you can probably expect to make between $10 to $15 per hour depending on your location and experience. This job is generally only seasonal, so it allows you to have summers and the holidays off from your side hustle.” – Lance Cothern
Become a photographer.
“Photography! Most people only think to hire a photographer for big events like weddings and baby announcements because photographers are expensive. Charge $100-$200 for an hour package at a local park, and in one weekend by booking your friends and family, you can easily make $2k with just family portraits. With the popularity of photo cards from sites like Shutterfly, you can be a saving grace for families on a budget and you’d be surprised at how many folks you know who would hire a photographer in budget!” – Shannyn Allan
Create a website.
“I’ve created several simple websites about apps and websites that I like and use. I write about how the apps work, pros/cons, other similar apps, etc. Some of the apps or websites give me credits or money when I get new users to sign up or use their service. I’ve made about $4,500 over the last three years, and I haven’t spent more than a few hours working on the sites during the last two years. I’d say overall I only put in 20-30 hours.” – Louis DeNicola at Saveful.com
Become an online tutor.
Online tutoring has become an open market place for the gig economy. This is a great option to make money on the side, or even convert it to full-time. Studypool provides a great platform for tutors to simply answer student’s question and get paid (no video chat required). You can earn up to $500/week tutoring part time or potentially up to $60,000 a year tutoring.
Take part in research studies.
“If you live in a city, or near a university or teaching hospital, you can make money participating in research studies that need human subjects. Just go to craigslist, click on “volunteers”, and type in “research”. There are a wide variety of studies out there: some are medical (if you’re generally healthy, you can often be a control subject), and some are more about psychology or other related disciplines. You can make anywhere from $10-$20 for a short, one-time study to hundreds or even thousands of dollars for longer, more involved studies. Another benefit is that you get to learn about the research that’s being done, which is often fascinating.” – Sarah from The Yachtless
Make money online.
“The best way that I know how to make side income is online. Specifically, by freelance writing and blogging. The amount of make you can make online is unlimited. If you’re just starting, maybe you’ll make $500/month. But over time, you can increase your earnings to $5,000/month and before long even more than that. I don’t know another side gig where the income growth potential is so high.” – Natalie Bacon
Film weddings.
“One way that my wife and I made $5,000 in the past year on side income has been filming weddings. A year and a half ago we had no video experience. Once we bought a camera and posting videos, we’ve had friends and friends of friends start asking us to film their weddings. Most everything we learned about video came from asking other film peeps to show us the ropes or looking up “how-to” videos on Youtube. Since weddings are typically on the weekends, they really are an ideal side hustle. They don’t get in the way of our typical work week at all and they pay high margin. Once you have some film experience under your belt, you can charge $3-5k per wedding film, easily. If you’re interested in getting started filming weddings, I would recommend tagging along with an experienced shooter. From my experience, they are always looking for good help if you’ve got an eye for good shots and can work well under a little stress (there will be brides after all). This past fall we apprenticed and was well worth the long weekend shoots. We learned so much about shooting good wedding film and made a good amount of money in the process.” – Heath Padgett
Create a product to sell.
“I’m biased, but I think creating an online product and selling it is one of the best side hustles a person can do. But people shouldn’t be scared for the term “product”. A product can be anything – an idea or content, a course, a widget, a downloadable printout, anything! And there are so many different avenues to sell today: create a blog, start an Etsy shop, sell on eBay or Amazon. The great thing about the Internet is that there is somebody out there that is looking for something and everything. If you’re a teacher, sell your classroom notes. If you’re an engineer, share your though processes. Anything can be turned into content, and anything can be packaged and sold.” – Robert Farrington
“The ways to make a side income are really endless. I’ve encountered so many ways entrepreneurs are able to make a side income. Although blogging has been the most lucrative way for me to make a side income, my favorite way is creating courses. Creating a piece of content showcasing your expertise in a specific are and people paying you for it is a great and rewarding feeling.” – Jeff Rose
Manage databases, apps, and more.
“Managing, designing or configuring cloud-based apps- ranging from social media and content management systems (like WordPress) to databases. I learned to administer salesforce.com databases for nonprofits and last year made $6,000-$15,000/month pretty consistently working from home. (The going rate for these services is $50-$200/hour) What helped me was going through a self-study course on the platform, getting a couple of certifications, doing some spec work, then going out and asking clients if they needed my services. I call it “Learn, Slay It, Sell It.” Find out about growing trends, get up to speed then see if people will pay you to do it. If you become enough of an expert at it, they will! The nice thing is that it doesn’t have to be anything you studied in school, just something you studied on your own and mastered enough to be marketable.” – Aja McClanahan
Build websites.
“One way to make side income is to build websites for people and for businesses. The first website I ever built I charged $1200. Even if you dont know programming, it is easy to learn by watching free tutorials on Youtube. I think it would be very realistic to make $2,000 – $3,000 on the side building websites.” – Deacon Hayes
Become an alcohol demonstrator.
“Back in college, I made extra money on side side pouring alcohol samples for people in grocery stores. It was easy and paid well, considering how I don’t even know how to open a wine bottle (If I wasn’t using a product in a bottle that had a twist top, I asked someone else to help open it). The job paid $20 to $25 per hour and I could choose when I’d like to work and what job opportunities I’d like to accept. If you like to talk to people and prefer a laid back and good paying side job, being an alcohol demonstrator is definitely worth looking into.” – Chonce at My Debt Epiphany
Become a consultant.
“Become a consultant in your spare time doing some of the same work you might do in your full time gig. This works best with white collar office type roles where you can do your work at home at your computer. Just make sure you don’t compete with your current employer.” – Jim Wang
Tips from the experts on ways to make money on the side.
Along with the many different ways to make money on the side above, I also asked experts for their top tips when it comes to managing a side hustle.
“One of the best ways to think about how to make extra money is to identify what people are already paying for. I, for example, recently hired someone to manage my Pinterest account. That’s a great hustle you can master through a course or ebook, then execute from anywhere on your own time. Make someone else’s overwhelm your opportunity.” – Stefanie O’Connell
“Set boundaries. If you don’t you will get pulled in every direction and your health, personal life, finances, everything will suffer. Set boundaries for times you will work on your side hustle, what you are willing to do and stick to it. Don’t let checking social media creep into time you are watching your kids play sport or time you were going to work out. No money makes up for lost relationships or lost health. ” – Kylie Travers
“To accommodate a side hustle that makes a serious second income one ought to re-organise their life. I’d say that keeping a time/task diary helps. For a week write down all you do and how long you do it for. Analyse it and decide to stop doing anything that is: a) not productive; and/or b) doesn’t give you a lot of pleasure. You’d carve up a lot of time. You can also start looking for activities that you can combine to save time; e.g. running and commuting to work.”- Maria Nedeva
“My favorite (and least-favorite at the same time) way to manage everything (four kids & four blogs) is to work when our kids go to sleep. I will do some things during the day, but nothing that will require my attention for more than just a few minutes. My husband and I work from home, on our blogs, so we spend around 4 or more hours every night working side by side on them. We also try to squeeze in two hours during the preschool hours. This allows us to spend our time with our kids during the day and work together at night. While we might be a little more tired than usual right now (haha!) we figure that we can make up this time when our kids are older and in school. 😉 It is all about balance and finding time when we can. We can’t give 100% of ourselves to everything at the exact same time, so setting aside time for family and time for working is what works best for us – so we can give 100% to our family during the day and then 100% to our blogs in the evenings.” – Becky Mansfield
“My best tip for finding time to make extra money on the side is to give up watching tv. I used to watch one or two shows each evening, and now I spend that time working on my blog. I also stay up a little later than usual some evenings to get work done so I can spend my days with my kids. I’ve found that if you make it a priority, you will find time.” – Lena Gott
“You can make extra income in many ways – the only real limit is the limit you put on yourself. If you’re technically inclined, you can monetize that in your “off” hours. If you’re knowledgable about a certain topic you can freelance write in that area. Even if you have no skills, which I don’t believe, you can do something as simple as work around your neighborhood to walking/sitting for dogs while people are away from home. The opportunities really are endless to make extra income, you just need to want it and think outside the box.” – John Schmoll
“As someone who works full time and runs a blog on the side, I am a master at time management and planning. The best advice I have to managing both a job and a side hustle is to prioritize. If your job is number one and your side hustle is number two, then you may have to say no to anything that interferes with these two priorities (e.g. events with friends or family). Personally, prioritizing my goals and creating a plan to achieve them, have been the two most important factors to succeeding with a job and a side hustle.” – Natalie Bacon
“Organization of your time. I work a 9-5 job, I come home and walk my dog, then cook dinner. As you can imagine that doesn’t leave a ton of time for your side hustle. It means organizing your time for your side hustle. After I finish eating dinner, I budget an hour to my side hustle. Now that doesn’t seem like a lot, but if you do it every weekday that adds up to 5 hours you spent on your side hustle. You might have missed “Making a Murderer” but you added $100 to your pocket.” – Even Steven Money
“Because I was writing for my full-time job and also freelance writing/blogging as a side hustle, the last thing I wanted to do after an 8-hour day was come home and grind out more copy. Because of this, I leaned heavily on my weekends and my evenings became sacred. Every Sunday evening from 4-8 I’d work on my blog or any projects I had in the pipeline. Writing on Sunday evenings became so routine I find myself doing it now even though I work for myself full time and can write whenever I want! So that’s my advice: pick out a chunk of time that’s just for you and keep the date with yourself religiously. No one ever likes to hear it, but the truth of the matter is that it takes sacrificing in other areas of your life to truly side hustle and make it worth your time.” – Lauren Bowling
“Top tip: manage your time smarter. Managing your time has everything to do with FOCUS. Tasks will expand to the time you allot them, so schedule the things that are important to you, and stick to that schedule. It’s not about finding more time, it’s about leveraging the same 24 hours we all have in a day, and focusing on ONE goal at a time for your side income will help you accomplish that goal. Better yet, The Freedom Journal will guide you through setting and accomplishing your #1 goal in 100 days, so my top tip would be to grab The Freedom Journal and start taking action! :)” – John Lee Dumas
“The best way to find more time for side hustles is to eliminate things you thoughtlessly do that add no value. Consider how often you look at the same news feed updates on Facebook over and over again. If you just check Facebook once per day, you’ll get the same info and save a bunch of time.” – Lance Cothern
“My top tip for managing a side hustle is to be very organized. Every week, I have a “planning night” where I put actionable items on my calendar and then I follow through with them. I also use Trello to manage projects and outline what “steps” they are in and keep checklists in Trello so I make sure I don’t miss anything. A person can find more time for side income pretty easily – devote half an hour over lunch, or take time away from your favorite TV show to look for ideas, and then do them!” – Megan Harris
“The number one thing you can do to manage your life and your side hustle is to simply schedule time for it and have your family hold you accountable to it. You can make time for anything you set your mind to. You somehow manage to watch your favorite show each week, make dinner as a family, etc. Well, if making extra money is important, you’ll find the time. Maybe it’s before work or after the kids are asleep? There’s always time. The trick is, set a designated time, ask your spouse and tell your kids that this is what the time is for, and then use that time to make things happen!” – Robert Farrington
“Managing a side hustle is like any other aspect of your life. If you want to succeed at it, you need to prioritize it. So, allot the time, work through the time, make your side income and then get back to the other aspects of your life.” – Chris Ducker – ChrisDucker.com
“I’d suggest starting small with just a few hours a week. It’s easy to look at your free time outside of your job and think you can easily add 20+ hours of work per week. This can easily lead to burnout, and which might kill any motivation you had for side gigs.” – Jeffrey Trull
“One of the best things you can do for your goals is to wake up an hour early and *only* spend time working on what’s truly important to you. Sure you can watch less TV at night or hustle on your lunch breaks, but I find a single hour in the morning when everyone else is sleeping to be much more productive. And then you’ve started the day off with a major accomplishment no matter what else happens the rest of the day! It’s a beautiful thing!” – J. Money, BudgetsAreSexy.com / RockstarFinance.com
“Find something you enjoy doing that you don’t normally get to do otherwise. Turning it into a side hustle will offer incentive to make time for it. For instance, if you love pets and aren’t currently a pet owner, you can sign up with Rover and dogsit, or maybe work as a dog walker. That way you’re killing two birds with one stone.” – Jackie Lam
“The best way to make time for a side hustle is to learn to manage your time better. If you’re watching three hours of television each night, for example, you may need to give that up to work on your side hustle instead. If you’re still too busy, consider getting up at 5:00 or 6:00 a.m. I did that for over a year before I was able to quit my 9-5 job to pursue my side hustle full-time.” – Holly Johnson
“You need to make time for your side hustle. I would work on it during lunch, at morning before I went to work. Sometimes I would do it when on nights and weekends. I think most people could find 1 – 3 hours per day to work on a side gig.” – Deacon Hayes
“First, make a weekly calendar of all the events in your life. On that same calendar, enter in the blocks of time you plan on working on your side hustle. Treat those times like anything else that is important on your calendar. If you schedule time from 8-9pmon Wednesday and you forgot your favorite show is on, no excuses! Commit to these times and don’t let anything interfere that isn’t a family emergency.” – Jeff Rose
“My top tip for managing a side hustle is work at a scheduled pace. Set aside a certain number of hours every week and make sure that you make consistent progress. To find more time, I’ve replaced television and YouTube surfing for more productive activities.” – Steve Chou
“I used to struggle with finding extra time outside of my work and family life. The one tip I recommend is use your down-time more effectively. Instead of watching an hour of TV, take that hour and work on a side hustle. If you’re a night owl, use that when everyone else is asleep to create a business or develop a product. We don’t use all time effectively, but just taking chunks here and there and building a side hustle can change your life.” – Grayson Bell
“Choose your side hustle wisely. Choose to market your skills and talents instead of just looking at it from a financial standpoint. Earning a lot of extra money sounds nice, but if you don’t enjoy what you are doing, you will start to dread it quickly and it will take up more of your time. I’m able to work quickly and efficiently on side projects I enjoy so I can make the most of my time. I also try to cut out mindless tasks that take up time like binge watching television or browsing aimlessly through social media.” – Chonce
“The opportunities to earn extra money are endless. But your time and energy are finite. Prioritize a health diet, exercise, socializing, and relaxation. You will be rewarded with extra energy for a side hustle on top of your day job.” – Kate Dore
“You don’t have to make it a part-time job. Make it a hobby first and don’t stress out about getting it done immediately. Find five hours a week to work on the book. Spend a couple of months learning everything you can about the subject or developing the characters/idea. Books can be as short as 40 or 50 pages or as long as you want to write them.” – Joseph Hogue
“If you really see a future in what you are doing, invest in your “side-hustle” by creating systems and ways to duplicate yourself i.e. subcontracting work when possible. Since we are a debt free family, our “personal burn rate” was low enough where I didn’t have to pocket all the business revenue. I eventually began to subcontract workers to fulfill client requests. It was a huge time saver for me and kept it a part-time gig for me that was relatively stress-free.” – Aja McClanahan
“Choose a side hustle that you also get some sort of personal benefit out of, in addition to the extra cash. For example, you might choose a side hustle that helps you get more exercise, or that gives you the chance to earn a new skill, or that allows you to meet new people, or just something you find really interesting. You’ll be more likely to stick with it if there are multiple benefits.” – Sarah Noelle
“You need to make it a priority. The best way to make it a priority is to understand why you need this extra income – pay off debt? Save more for retirement? That goal will drive you. Then make sure you list all the non-essential tasks you do and rank them, your side hustle will be above some tasks… make sure you hustle before you do those tasks.” – Jim Wang
Hope you enjoyed this expert roundup on different ways to make money on the side. Do you want to make side hustle income? Why or why not?