Dovenmuehle Mortgage, a mortgage sub-servicing company, has informed authorities in Illinois that it will impose a layoff affecting hundreds of employees next year.
The company has decided to cut 212 jobs in its Lake Zurich site starting on Feb. 16, 2024, per a Worker Adjustment and Retraining Notification Act (WARN) filed with the Illinois Department of Commerce and Economic Opportunity.
“This action is a partial reduction in the company’s workforce at the site above; the company intends to continue operations at this site; this action is expected to be permanent,” Lisa Herrmann, assistant vice president of human resources at Dovenmuehle, wrote in the document sent on Dec. 14 to the state authority.
A spokesperson for the company wrote in an emailed response to HousingWire that, as a private company, “Dovenmuehle does not comment on internal matters, including workforce details.” The spokesperson did not provide more details, such as the reasons for the workforce reduction and the jobs affected.
However, higher mortgage rates this year led mortgage origination volume to decline to $1.6 trillion, compared to $2.2 trillion the previous year, according to the Mortgage Bankers Association (MBA). Volumes are expected to increase 22% in 2024 to $2 trillion.
Dovenmuehle, founded in 1844, provides a private-label mortgage sub-servicing solution, per its website. It is a sub-servicer for commercial banks, credit unions, independent mortgage lenders, MSR investors and state housing finance agencies nationwide.
Its services include portfolio, government, and Fannie Mae and Freddie Mac loans.
In September, it appointed Robert Howerton as chief information officer to oversee the company’s IT infrastructure. Before joining Dovenmuehle Mortgage, Howerton was IBM’s leader platform security engineer.
Phone interview questions often cover a lot of ground, from your professional motivations to your preferred style of being managed. Phone interviews also typically include several behavioral questions, too, in which you’re asked to recount specific experiences from your previous jobs.
They can seem intimidating, but phone interview questions are a lot less scary when you’ve rehearsed your answers and prepared stories that demonstrate your strength as a candidate.
Below, you’ll find 20 questions commonly asked during phone interviews, as well as advice on how to best answer them.
Phone interview questions
In preparing for your phone interview, set aside a few hours to reflect on how you’d answer each question. Write or type out your answers, then practice answering each question out loud.
Focus on speaking slowly and clearly, and run through your answers several times — that’ll help you eliminate filler words and speak comfortably when you’re talking to the interviewer.
When you’re on the phone interview, smile while speaking, recommends Robert Half, a human resources consulting firm. Even though the interviewer can’t see you, you’ll sound more enthusiastic and confident.
You can also keep a cheat sheet with key dates, sales figures or other information you want to easily access. Don’t overly rely on them, though, and be prepared to complete the interview without having to visit your notes.
Question about the company or position
1. What are your qualifications for this position?
If you’re asked this question, talk about your hard skills or competencies learned through training or education, says Heather Livingston, a career advisor at University of Phoenix.
Bring up any specific qualifications you have that were in the job description. Such qualifications might include knowledge of a specific software, coding language or experience working with a certain type of customer.
Be sure to mention any professional certificates or licenses relevant to the position, too, Livingston says. You can also mention any college courses or professional training you’ve completed that relate to the role.
2. Why do you want to work for us?
To effectively answer this question, you’ll need to research the company, Livingston says. Familiarize yourself with its history, mission statement, purpose and leadership.
Mention explicit parts of the company’s mission that you agree with, and how helping the company achieve that mission aligns with your overall career goals.
3. What do you know about the company?
Similar to the question above, you’ll need to research the company to answer this question. Spend some time on the company’s website and read the “About Us” page. You can also visit the company’s LinkedIn page and see if it’s recently been in the news.
You don’t need to memorize every part of the company’s history, but make sure you’re aware of any major events — such as mergers, acquisitions or product launches — and can speak confidently about the company’s main product or service.
4. What do you see as the biggest challenge coming into this role?
It can be tough to answer questions that require you to admit your vulnerabilities. But employers know that even the best employees inevitably struggle with one or more aspects of any job.
“The key is to be honest,” Livingston says.
There’s a fine line between being honest and undermining yourself as a candidate, though. Avoid mentioning challenges that relate to critical components of the job.
For example, if you struggle with time management, and the job requires you to manage multiple deadlines, sharing that struggle might give the hiring manager pause. Similarly, sharing that you aren’t detail oriented might not be a great idea if you’re interviewing for a data-focused role.
On that note: If several key parts of the job sound like significant challenges, do some soul searching and think about whether the job is a good fit for your skillset.
Also, offer solutions to any potential challenges you foresee, Livingston says. If you tell the interviewer you might find a particular software challenging, for example, share your plan for overcoming that challenge.
5. Why should we hire you?
This can be a tricky question to answer; you want to sell yourself, but don’t want to appear cocky or entitled. Write and practice an elevator pitch for yourself as a candidate, Jennifer Preston, an HR consultant, told U.S. News and World Report.
Highlight your work experience that most closely aligns with the role and your strongest skills related to the job. Talk about the job objectives you’re most excited to accomplish, and tell the interviewer how you’d achieve those goals.
You can also mention the little things that distinguish you from other candidates, too — whether that’s your passion for building relationships or your long-term career goals that make you a good fit for the company.
Behavioral questions
6. Tell me about a tough decision you’ve had to make in the past.
Behavioral questions are designed to predict a candidate’s future job performance, according to the Journal of Business Research. So, for this and the remaining behavioral questions, answer with a workplace anecdote that illustrates how you behave in certain situations.
Think about difficult decisions you’ve made on the job. Have you ever been asked to mislead a customer? Has a manager ever acted inappropriately, leaving you to decide whether to report them? Share a story that shows your integrity, work ethic or another quality that makes you a desirable employee.
7. Tell me about a time you failed.
This question isn’t meant to highlight your failures or mistakes. Instead, it’s a chance for the interviewer to see whether you learn from your mistakes, Livingston says.
“Failure is how we learn. And good employers, good bosses and good managers know this,” Livingston says. “Nobody’s perfect.”
Don’t be the candidate whose biggest failure is that they care too much. Be honest and candid, and talk about a genuine error you made on the job.
Avoid dwelling on the mistake itself — or the panic and consequences that followed — and instead emphasize the insights you gained, and how you grew from the experience, per the Harvard Business Review.
8. Tell me about a time you didn’t get along with a coworker or colleague.
The interviewer knows that nobody gets along with every person they encounter. They’re trying to see if you’re able to work with people you don’t particularly like, Livington says.
Don’t spend too much time explaining why you disliked a particular colleague. Focus on how you were able to put your differences aside and accomplish the task at hand.
9. Tell me about a time you had to work under pressure or stress.
Can you handle the heat, or do you collapse under pressure? That’s what the interviewer is trying to determine.
Talk about a time when you worked under tight deadlines or external stress. Specifically list the ways you handled that stress, whether it was by staying organized, building small mental health breaks into your day or eating well and getting plenty of sleep during busy weeks.
10. Tell me about a time when you took initiative.
Finally, an opportunity for a positive story! Share an instance in which you proactively completed a task or contributed to a project — ideally, without being instructed by your manager — that benefited your employer or made things easier for your team.
Work style questions
11. Do you prefer working on a team or alone?
There’s no right or wrong answer to this question. But given that most jobs involve some form of collaboration, your answer should make it clear that you’re able to work on teams, according to the Harvard Business Review.
You can also list the instances in which you prefer working alone or collaboratively, recommends the Harvard Business Review. For example, you could say that you love brainstorming ideas and developing sales pitches with your colleagues, but enjoy the freedom to work independently when on a deadline or during certain chunks of the day.
12. How do you manage stress to avoid burnout?
The interviewer isn’t looking for a specific method of stress management; they’re just making sure you know how to handle stress and won’t crumble under tight deadlines.
Share a work experience that illustrates how you effectively manage stress, recommends the Harvard Business Review. Feel free to get specific: If you utilize tools like meditation, journaling or morning runs to manage day-to-day stresses, say that.
13. How would people you’ve worked with describe you?
To effectively answer this question, first consider the qualities that might make someone successful in the role you’re interviewing for.
If the job requires a lot of collaboration, for example, say that your coworkers would describe you as communicative, accountable and a team player. If the job involves number-crunching, you could say that your colleagues would call you detail-oriented and conscientious. Think of past experiences you can mention that illustrate those qualities in action.
You can also use this question to highlight a few of your unique characteristics that aren’t directly tied to the role. Knowing that your coworkers would describe you as personable or funny, for example, can paint a more well-rounded picture of you as an employee.
14. What kind of management style works well for you?
Like many of these questions, you’ll want to answer honestly while keeping things relatively broad. Make it clear that you can work effectively under any manager, according to multiple career experts.
For example, instead of saying, “I prefer to work under managers with a hands-off leadership style, and can’t work well if my boss is always looking over my shoulder,” you could say, “While I prefer a hands-off managerial style, I’ve worked well with plenty of supervisors who prefer frequent check-ins and close collaboration.”
15. What are you passionate about? What motivates you?
Are you externally motivated by rewards, growth opportunities or bonuses? Or are you intrinsically motivated by doing work you believe in? Reflect on what motivates you in the workplace and honestly answer the question. You want your employer to understand what motivates you, according to BetterUp, a behavioral career coaching company.
To kickstart your reflecting, here are some potential motivators:
Promotions and leadership opportunities.
Contributing to a team.
Solving problems for customers and clients.
Learning new things.
Developing certain professional skills.
Making a difference.
“You can be passionate about things in your personal life, but whatever this answer is should show relevance to how it will enhance your success at this position in this company,” Livingston says.
16. What is your experience with remote work?
This question may not be relevant to you, depending on the job you’re interviewing for. But if you’re interviewing for a remote role, the employer may want to know if you can effectively manage your time and responsibilities.
Describe your experience with remote work — or lack of experience, if you’ve never worked from home — and make it clear that you can perform the job’s functions without reporting to an office or workplace.
Logistical questions
17. Are you currently employed, and why are you thinking about leaving your current job (or why did you leave your previous job)?
This can feel like a tricky question to answer. The key is to answer honestly without getting into too much detail. Saying that you’re looking for a job that better aligns with your goals, values and growth plans is typically a safe bet, Livingston says. Be prepared to talk about those goals and values, as the interviewer may ask follow-up questions about them.
Don’t badmouth anyone from your previous employer, though. It’s an unprofessional look. If you quit your job (or are planning to leave) because you don’t get along with your manager or another coworker, keep things broad, Livingston says.
“Say something very general to the effect of having different values and different goals,” Livingston says. “That way, you’re not saying something bad about the previous employer or manager. You never want to do that.”
18. Are you interviewing with other companies?
Most candidates in the job market are applying for and interviewing with multiple companies. If you’re interviewing with other companies, you should feel comfortable sharing that, Livingston says. You don’t need to mention which companies or roles you’re interviewing for, though.
Also, be sure to emphasize your excitement for the role you’re discussing with the interviewer. You can say something like, “At this time, I am interviewing for other positions, but this is the role that best aligns with my interests and career goals.”
19. What salary range are you looking for?
There are a few ways you can answer this question.
First, you can provide an ideal salary range. To avoid giving a range that’s unrealistically high (or lower than you could get), research salaries for similar positions in your industry and city. Then, provide a salary range with around $10,000 of wiggle room, Livingston says. If your ideal salary is $75,000, tell the interviewer you’re looking for compensation between $75,000 and $85,000.
If you’d like to buy some time before sharing an ideal salary, another option is telling the interviewer that you’d like more information on the role, according to U.S. News & World Report.
You could say something like this: “Until I learn more about the job and its responsibilities, I’d rather not decide on a fair salary range. Could we discuss compensation at a later date, perhaps after I’ve spoken with other members of the team?”
When you do share an ideal salary range, ask for more money than you’re currently making. Changing jobs is often an effective way to significantly increase your salary.
Half of the American workers who switched jobs between April 2021 and March 2022 saw their wages increase 9.7%, according to a July 2022 Pew Research Center report. Meanwhile, the median worker who stayed in their job over that same period saw their wages fall 1.7%.
20. When can you start working?
Ideally, you want to give your interviewer a firm date. But if you’d have to submit a two weeks’ notice at your current job, simply tell the interviewer that.
Say that, out of respect for your employer, you’d like to help transition your responsibilities and complete any outstanding tasks before your departure. In most cases, the new employer will be fine with figuring out a start date later in the interview process.
Working with a recruiter can speed up a sluggish job search and help you find roles that aren’t listed publicly.
Here we’ll discuss, with templates, how to reach out to a recruiter on LinkedIn. We’ll also cover how to find a promising recruiter on LinkedIn and in other ways.
1. Prepare to pitch a recruiter
Before contacting a recruiter, update your resume, cover letter and LinkedIn profile. Also practice articulating your accomplishments and certifications, suggests Jauné Little, director of recruiting services at Insperity, which sells human resources services to companies.
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Depending on their industry, recruiters are often managing dozens of candidates and open positions, and sifting through hundreds of job applications. So Little also suggests identifying skills or experience you have that other candidates don’t. That might look like experience at a massive company in your industry, a unique degree or an unconventional work history.
Practice spelling out that distinction, and think about how you’d talk about those attributes to a recruiter.
“You really have one shot at making a lasting impression,” Little says. “So make it a good one.”
2. Find a recruiter on LinkedIn
To find recruiters on LinkedIn, search “recruiter” alongside your desired industry or job in the search bar. If you can, get specific; a search for “medical devices sales recruiter” will offer better results than “sales recruiter.”
You can also search for recruiters by city and company; for example “Dell recruiter” or “Oklahoma City recruiter.”
To filter your search results to only people’s profiles, click the “People” button at the top of the search results. Scan the results carefully; if you search “Lyft recruiter,” for example, some of the profiles in your search results will belong to former employees who list Lyft on their profiles.
3. Reach out to the recruiter on LinkedIn
Once you find a recruiter, request to connect. LinkedIn doesn’t allow users to directly message people they aren’t connected with, but you can include a message in your connection request.
Keep your message short and simple. Recruiters are busy people; if your message is too long, they’ll often skip it entirely.
“Iheard a recruiter from Google say that the worst thing he sees on a resume is a text brick,” says Lisa Severy, a career advisor at University of Phoenix.
Here’s an example of what you could include in a LinkedIn connection request:
Hi, [name]. I hope this finds you well. I’m a [position] with [X years] experience in the industry, and am based in [city]. I’m searching for opportunities to [get specific; list what jobs you’re interested in, or what industry you’d like to work in]. I’d love to connect and discuss this further with you. Thank you!
4. Follow up with your resume and another message
If the recruiter accepts your connection, you’re then able to directly message the recruiter. If you included a message in your LinkedIn connection request, wait a day before sending them a direct message.
Attach your resume to your message. Keep your message straightforward and to the point. It should look something like this:
Hi [name],
Good to connect with you! My name is [name], and I’m a [position] in [city] looking for new opportunities [in industry or at a specific company].
I have [X] years of experience in [your industry]. [Include 1-2 sentences listing your accomplishments, certifications or unique job responsibilities that distinguish you from other candidates.]
I’d love to chat with you about any open positions for which I may be a good fit. Are you available on [date] for a phone call?
Thank you,
[your name]
Once you’ve sent your message, give the recruiter a few days before following up with another message. If your second message goes unanswered, it’s probably best not to follow up again.
There’s a good chance that’ll happen to you, and it’s not personal — Severy warns candidates that a lot of messages to recruiters will go unread. That’s why it’s a good idea to reach out to several recruiters. It’s a numbers game. Eventually, you’ll find your match.
Other ways to reach out to recruiters
Experts agree that, in most cases, the easiest way to find a recruiter is on LinkedIn. If you don’t have a LinkedIn profile, get one, and use these tips to make a compelling page.
Not having a LinkedIn profile these days is “questionable,” Little says.
If you don’t want to use LinkedIn, search online for recruiting agencies that focus on your industry. It may be harder to find an individual recruiter’s contact information that way, though.
Additionally, check a company’s job listings to see if a recruiter’s contact information is listed on the postings.
It can be more than a little nerve-wracking to submit an application for an apartment, then have to wait around to find out if the powers-that-be deem you worthy enough to live there. This tense period is known as the apartment approval process.
Fortunately, most people have nothing to worry about. If you’ve lived a clean, relatively scandal-free life, you’re probably going to get the unit (provided there isn’t a ton of competition). Still, it helps relieve some of the waiting-related tension to know what’s going down during the all-important apartment approval process.
What’s the point of the apartment approval process?
The whole point of the apartment approval process is for the landlord or property manager to determine if the applicant is reliable, able to pay bills on time and otherwise just a good neighbor. You know, someone Mr. Rogers would like to live near.
How to start the apartment approval process
The first step in renting the unit of your dreams (or the next best thing) is to fill out a renters application. There’s usually a non-refundable application fee per person associated with this (an average of $30), so make sure you and any roommates love the place and stand a chance at getting it before you fork over any cash. This is how they cover the cost of using staff time to check references, credit and so on.
The application submission process varies depending on the property. Many modern communities do the whole thing online, from application completion to the upload of necessary files. However, some places do still prefer the whole in-person, pen and paper thing, so be prepared to follow whatever steps are necessary.
Come armed with all necessary documentation, or else the process could get delayed. The requirements vary depending on the property, but here’s a pretty standard list:
Photo identification
Vehicle information
Pet information (if applicable – they’re looking for type, age, breed, weight and vaccine records/health information)
Letter of current employment
Two most recent pay stubs
Three most recent bank statements
Two most recent tax returns
Two most recent W-2 forms
Any other documents that state asset information
Reference contact information for any previous landlords, as well as personal/professional acquaintances (this may be optional)
You can also choose to include a cover letter to explain any extenuating circumstances that might result in a rejection. This can include details about a criminal past and how you’ve made reparations, information on your projected career path if you’re still relatively new to the professional game and don’t have much credit history or info about credit issues stemming from special circumstances, like medical bills, divorce, etc.
How long does the apartment approval process take?
It’s a multi-step process, so it can take a few days to complete. Try not to cry into your latte or craft beer or whatever if you don’t hear anything by the time you get back home. Take steps to facilitate the process upfront and quickly provide detailed, accurate information and all requested documentation. The longer you take to supply the deets, the longer it’ll take to get that lease in your name. The time frame varies by property, so go ahead and ask upfront when you can hopefully expect an answer.
What the application approval process looks like
A few phone calls need to be made and internet searches must be run. Fortunately, it’s usually a pretty cut-and-dried process.
They check your income
The ability to make rent is a pretty important tenant quality. Clearly, the landlord or property wants to know that you’ll be able to do this, so it’s customary for a prospective renter to provide recent pay stubs, bank statements and other financial documents. Ideally, the property wants to see that your monthly take-home pay is three times as much as the monthly rent.
If you’re relatively new to the workforce or recently accepted a new position, the employer can provide a proof of employment letter to satisfy the property’s needs. Just request one from human resources. It’s also not unusual for properties to call your place of business, just to make sure everything’s on the up and up. People try to pull some pretty crazy stuff.
They check your credit
Once they know that you make enough money to afford the place, the landlord needs to know that you’ll actually pay rent when it’s due. This is accomplished by checking your credit history. When you fill out the apartment application, you give them permission to do so.
In a nutshell, a person’s credit score is figured out by various credit bureaus. This is based on a number of factors, like whether you pay your bills on time, how many credit cards are in your name and so on. The credit score range is a dismal 300 all the way up to a picture-perfect 850. A good credit score for renters is 670 or above, which is higher than the national average. However, a score that falls between 600 and 650 usually does the trick, as well.
Most people, even young professionals, have some sort of credit history. If you’re new to the workforce and don’t yet have much to show for it, many rentals will look the other way on this as long as you have proof of employment and income. However, if you have bad or low credit you might want to head it off at the pass by offering to co-sign on the lease with a person who has good credit, like a parent. That way, if you default on payments, the property can get the payment from the co-signer. They don’t care where the rent comes from, as long as they get it.
They check your background
The potential landlord will also conduct a background check to make sure you don’t have any prior convictions. They also want to know if there are any pending issues to be concerned about. So, if that’s the case, it’s best to disclose the information upfront because it will end up coming out anyway. If you’re 45 and you had a DUI in college, but nothing dicey since then, your app is probably not going to be denied.
They check your references
Not all properties do this, but in case they decide to, it’s good to have the information pulled together. If you’ve rented before, provide the name and contact information of all previous landlords. If not, consider providing a reference who can speak to your character. Someone like a previous employer, teacher or professor fits the bill there. Give each person a heads up that someone might be getting in touch so that they make sure to return the call or email in a timely fashion.
When they speak to a previous landlord they’re trying to find out if you’ve ever committed any violations of your lease agreement, garnered noise complaints or done damage to property. They also want to know if any previous neighbors filed complaints against you, or if there are any reports of illegal activities on the property.
Probably more than anything, they want to know if you have ever been evicted. Those proceedings cost a lot of money for a property to pull off — and can take ages — so landlords want to avoid evictions at all costs.
If approved, get ready to move!
Be ready to sign quickly on the dotted line once your approval comes in. No sense in letting someone else swoop in and steal that perfect unit from you! Remember to keep up your stellar reputation, so that the process is every bit as smooth the next time.
The information contained in this article is for educational purposes only and does not, and is not intended to, constitute legal or financial advice. Readers are encouraged to seek professional legal or financial advice as they may deem it necessary.
A freelance writer based out of the Atlanta area, Alia has penned articles during her decade+ career for such sites as HowStuffWorks, TLC, Animal Planet, Zillow and many more. Her favorite things to write about include fitness, nutrition, travel, healthcare and general lifestyle topics. A graduate of the University of Georgia, Alia’s an avid Dawg, but she also loves reading, sewing, eating all things chocolate and playing sports with her husband, three boys and beloved border collie, Flash.
Inside: Are you looking for ways to make money quickly and easily? This guide has you covered with tips on how to double your money in 24 hours.
Doubling your money is an aspiration many investors feasibly target, and it’s critical to your future financial stability.
This enticing objective involves transforming a small amount of money and doubling it for tomorrow. You need cash fast, so that is why you are reading this post.
You will quickly learn there are easy ways to double money in 24 hours and others that over time you can be skilled at and easily double your cash.
Given that 58% of borrowers struggle to meet basic monthly expenses and 70% of borrowers are using loan money for rent and other basic expenses. 1
You want to learn how to double your money before you actually need to, so by inevitably secure financial confidence for upcoming expenses.
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.
How can I double my money quickly?
Doubling your money in less than 24 hours isn’t straightforward, but it is possible if you’re willing to take high risks.
These are popular methods to double your money:
Engagement in day trading. It’s risky but one of the fastest ways to double your investment.
Try your hand at gambling. Remember, the house typically has the upper hand. This is not recommended as you are more likely to lose more money than you prefer.
Consider investing in digital real estate. This is similar to real-life property flipping.
Most importantly, avoid get-rich-quick schemes; they’re mostly scams. So, do your homework before diving in!
20 Easy Ways to Double Money in 24 Hours
As inflation rises and people are struggling with their budgets, the question of how to double money in just 24 hours often comes up.
While it may sound like a lofty goal, there exist strategies that can significantly boost your financial growth in a surprisingly short time.
However, keep in mind these are not risk-free endeavors, and they each require a good understanding and judicious implementation to yield profitable results.
1. Invest in Stocks
If you’re hunting for opportunities to double your money fast – investing in stocks could be your ticket, especially with the current volatility.
Although there’s a risk factor involved, it’s a time-tested strategy for impressive returns. Learn how fast you can make money in stocks.
Honestly, one of the best ways to improve your net worth is learning how to invest in the stock market. Yet, many people shy away from the idea.
By not investing in stocks, you are slowing your pace to financial freedom. So, why not learn how to invest in stocks for beginners?
The choice entirely depends on your risk appetite, investment horizon, and personal preferences. Start by evaluating your risk tolerance. Personally, I can tell you this is one of the ways I double money in 24 hours consistently.
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2. Options Trading
Options trading can double your cash in a mere 24 hours, thanks to its inherent rapid return benefits. However, with the potential for high returns, it also poses significant risks.
Options trading is an advanced strategy for buying stocks with an option contract. Thus, you get the right but not a duty to buy (call options) or sell (put options) a stock at a specific price.
It presents the possibility of doubling, tripling, or quadrupling your money.
This is an avenue to pursue if you want the potential for huge profits, but you must take this investing course to learn the proper way to trade options.
However, you run the high risk of losing the entire investment! So, this is risky for novice investors and you need a brokerage for this type of trading.
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3. Flip Items for Arbitrage
Retail arbitrage, essentially the practice of buying and reselling goods, is a beneficial way of doubling one’s money in a short time. This can be particularly effective by taking advantage of clearance sales in mainstream stores like Walmart and Kohl’s, and then reselling the products on online marketplaces.
Notable items often flipped include apparel, books, electronics, and toys. You can check a full list of popular items to flip.
According to the Flea Market Flippers, you can use a variety of platforms to sell your flipped items.
4. Rent Out Your Property
Renting out unused property or space can be a lucrative form of passive income. This may include a spare room, or underutilized sections like a garage, with various platforms facilitating such financial transactions like Neighbor or VRBO.
Another example is it is financially beneficial to rent out items, like a lawn mower which costs $500 but brings in $15-20 for each rental. Thus, paying for itself in a short amount of time.
Despite the potential risks associated with property investments, including unpredictability in the real estate market and tenant issues, leveraging a good understanding of the local market can make it quite possible to double your investment over time.
5. Become A Side Hustles Expert
Becoming a side hustle expert requires a clear understanding of your goals and the willingness to trade your time for money. You can identify profitable opportunities which can range from ridesharing to teaching English as a second language (ESL) online.
Honestly, this is best to set up BEFORE you are desperate for cash.
Patience is key as nurturing a side hustle often takes time before it becomes an efficient income-generating endeavor.
To help you out, here are specific side hustles based on your stage of life:
6. Rent Out Your Skills
Renting out your skills is a smart quick-fix to double your money within 24 hours. It’s all about capitalizing on what you can do best and offering it to those who need it.
Start by identifying a skill or knowledge you’re proficient in. Are you a wizard in web design? A maven of SEO?
Select the right platform. Websites like Fiverr, Freelancer.com, and TaskRabbit are excellent for freelancers.
Promote your services. Reach out to your networks or use social media to boost your visibility.
This is a great way to earn $300 fast if you know what you are doing.
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7. Deliver with DoorDah or GrubHub
Double your income in a day by delivering with platforms like DoorDash or GrubHub. As a courier, you get paid for each delivery – so the more you do, the higher your earnings.
With a smartphone and transportation, you can start making extra cash immediately. Some top delivery options:
Working with DoorDash
Serving with GrubHub
Remember, it’s all about completing as many deliveries as possible. Every order increases your day’s earnings, potentially doubling them if you put in enough hours.
8. Invest in Cryptocurrencies
Invest in cryptocurrencies like Bitcoin, Ethereum, and Bitcoin Cash holds the potential to double your money in 24 hours due to their volatile nature.
To start:
Keep tabs on crypto trends through monitoring websites or apps.
Buy popular or promising cryptocurrency during their low-cost phase.
The trick to doubling your funds is selling at peak prices.
Remember, trends can change rapidly, so only invest what you can afford to lose. For newbies, it’s beneficial to seek advice from a financial advisor knowledgeable in the crypto market.
9. Take Surveys
Looking to double your money in a day? Consider taking paid surveys. However, you will have to take quite a few surveys to make a significant amount of cash.
To boost your earnings:
Seek high paying surveys – Survey Junkie could bring in up to $3 per survey.
Use free time efficiently – complete quick tasks on Swagbucks.
Refer friends – earn 10% of their earnings on Swagbucks.
Remember, more effort equals higher rewards!
Swagbucks
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Earn points when you shop at your favorite retailers, watch entertaining videos, search the web, answer surveys, and more!
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10. Lend Money on Peer-to-peer platforms
Lending money on Peer-to-Peer (P2P) platforms can be a profitable strategy, offering a unique method for individuals to loan and borrow money without traditional financial institution interference.
Users can sign up as lenders on recognized P2P platforms like LendingClub, Prosper, and Upstart, and yield high-interest returns based on their borrower’s creditworthiness.
However, this process also poses risks such as potential defaults, making it important for the lenders to do their research and diversify their loans across multiple recipients.
11. Do Odd Jobs
Engaging in odd jobs is a practical approach to earning additional income. Whether it’s mowing neighbors’ lawns or offering handyman services, these simple tasks can often pay upward to $30 per hour.
Digital platforms, like TaskRabbit, even allow you to list your talents locally, extending your reach for potential earnings.
All in all, odd jobs provide an accessible door to financial gain without requiring a significant starting capital.
12. Selling High Demand Printables
Selling printables online is a viable way to generate income. It’s important to create a follower base or an email list to successfully promote and sell your products.
With strategic pricing and high-quality content, you could potentially double your initial investment in a short span of time.
Here are the digital products that sell on Etsy that are in high demand.
By creating high-demand printables, you can buy low, sell high, and double your money all within 24 hours!
13. Max Out you 401(k) Match
Maxing out your 401(k) match can double your money in no time. While this may not happen in 24 hours, it can happen the next time you get paid and greatly increase your retirement savings.
When you contribute to your 401(k) plan, your employer might match it by 50% or 100%. You will have to check your Human Resources department to see what your company offers.
Contribute the maximum amount your employer is willing to match. This is free money for you. For instance, if you’re making $100,000 and your employer’s match is up to 3.5% of your salary, put in at least $3,500.
Are you one of the 5 people making this costly mistake? 2
14. Sell Courses and Subscriptions
Selling courses and memberships online is a highly profitable low-risk venture that requires just a small initial investment of your time and money. Once the course is developed, it can continue to generate passive income every month.
Tools such as Podia or Teachable allow you to easily sell and manage your courses, while also offering additional benefits such as digital downloads, subscription plans, and an opportunity to begin selling directly to your followers.
15. Work for Employers
In case you haven’t heard, time is money. And you can trade your time for money at any point.
Working for employers often ensures a steady income which can be supplemented by various benefits.
One of the greatest advantages is the employer match on a 401(k) account, which allows employees to double their contributions effortlessly. This means that if an employee contributes 5 percent of their salary to the retirement account, the employer adds another 5 percent.
Expert Tip: Continually upgrade your skill set to increase your value to employers. More demanding or specialized tasks often command higher pay, propelling you towards your double-money goal quicker.
16. Sell Your Goods
Selling goods online provides a dynamic platform for entrepreneurs, allowing them to reach a wider audience. This involves identifying high-demand products, purchasing from a reliable supplier, and selling them on popular e-commerce platforms like Amazon, eBay, and Etsy.
Get involved in flea market flipping. Hunt for undervalued items at yard sales or flea markets and resell online. Facebook Marketplace could be a goldmine.
Unload used or vintage items. These platforms can help you earn huge profits, especially from expensive items. Don’t let seller fees deter you; big profits are still achievable.
Books are an easy sell. Buy used ones from local or online stores and sell them in different areas or on different platforms. Diversifying the categories you offer can potentially boost your profits.
Pricing is set considering the purchase cost, overheads, and the competitive market.
17. Invest in Collectibles
Investing in collectibles presents a thrilling opportunity to generate significant profit in a short span. The key is identifying profitable niches, such as vintage comic books, rare coins, or baseball cards.
The rarity and condition of an item directly influence the price it can command.
The strategy involves buying low, often from garage sales or online platforms like eBay or Etsy, and selling high. However, one must perform diligent research and be aware of market trends, as failure to do so can lead to risks.
18. Get Rid of Your Most Valuable Items
Selling your own possessions is an effective way to declutter your home while also generating a potential cash flow.
This is one way to accumulate over $1,000 in cash earnings.
This may not be what you want to do, but your possessions are worth money and it may be necessary.
19. Save Money and Increase It
You’ve heard it said: a penny saved is a penny earned. This principle isn’t just about saving but also growing your money as an effective way to double your income.
Here’s how:
First, begin with saving. The more you can put away, the better. Remember, your coffee can strategy may not earn interest, so consider a deposit into a savings account.
Next, let’s talk about compound interest. Suppose you invest $1000 at a 5% interest rate. After a year, your money grows to $1050. The next year, you earn interest on this increased amount. Over time, the effect snowballs, significantly augmenting your investment.
Lastly, protection against inflation is key. Always aim for an interest rate higher than the rate of inflation. This means, in real terms, your money is consistently growing.
Done right, these steps can effectively increase your savings rapidly.
Raisin
Simply select one of the high-yield savings products offered by their network of federally insured banks and credit unions to begin your savings journey.
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20. Game or Bet on A Sport
While it’s often overlooked, betting on sports or games could be a fast track to doubling your money in less than a day. This risky Vegas plan may be worth the potentially rewarding pursuit.
Beware – while some have been successful, this method is heavily debated due to the significant risk factors. As such you may be better off becoming a referee for youth sports, which is a popular side hustle for men.
Remember, it’s all fun and games until the cash is lost – don’t stake what you can’t afford to lose.
FAQ
Doubling $1,000 quickly calls for some calculated risks and smart choices.
One way is investing in stocks, potentially high-return yet high-risk assets. Another route could be starting a side hustle, like an online course or freelance work, where initial investment is low but returns could be impressive.
This is a hard ask given many people this month. However, doubling $3000 fast can be achieved through smart investments and income diversification.
Using online platforms and flipping high-demand items may yield quick profits. Additionally, utilizing skills for a freelance portfolio or selling an online course can quickly boost initial capital.
Doubling your $5000 swiftly may seem like a daunting task, but with strategic planning, connection establishment, and careful investments, it’s more achievable than you might think.
Here’s how you can try it:
Start by investing in stocks. Rapid-growth stocks or volatile currency pairs can double your money. Invest wisely based on market analyses.
Try real estate flipping. Buy undervalued properties, renovate, then sell.
Entrepreneurship is another avenue. Turn your skills or ideas into a profitable business.
Peer-to-peer lending platforms yield high return rates with the right borrower.
Playing the lottery or gambling could work, but highly risky.
Remember, to double up money quickly, ensure you are knowledgeable in your chosen method and anticipate potential downsides. Do comprehensive research first.
Is Doubling Money in 24 Hours Possible?
Yes, you, dear reader, can indeed double your money in 24 hours! It won’t be a cakewalk though, requiring specific skills, solid strategies, and of course a pinch – maybe a handful – of luck.
You could tap into high-growth potential fields like day trading, selling high-demand goods online, or capitalizing on your skills as a content creator. Remember, this quick win has its fair share of risks too.
Now, make sure to do proper due diligence and check the integrity of whatever way you choose to make more or dive into the gig economy.
Now, learn how to double 10k quickly.
Source
Federal Reserve Bank of St. Louis. “Fast Cash and Payday Loans.” https://research.stlouisfed.org/publications/page1-econ/2019/04/10/fast-cash-and-payday-loans#:~:text=However%2C%207%20of%2010%20borrowers,difficulty%20meeting%20basic%20monthly%20expenses. Accessed November 7, 2023.
Motley Fool. “1 in 5 Americans Are Making a Terrible 401(k) Mistake.” https://www.fool.com/investing/2018/02/09/1-in-5-americans-are-making-a-terrible-401k-mistak.aspx. Accessed November 7, 2023.
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Want to learn how to make money on maternity leave? Parental leave can be a time of joy and excitement with a new baby around, but it can also mean money stress for parents. While you spend time taking care of your newborn, you may also need to find ways to make extra money to…
Want to learn how to make money on maternity leave?
Parental leave can be a time of joy and excitement with a new baby around, but it can also mean money stress for parents. While you spend time taking care of your newborn, you may also need to find ways to make extra money to pay for your expenses.
I had a baby not too long ago (she is currently 1.5 years old – time flies!), and being able to work while taking care of her has been a lifesaver. So, I understand why you’re reading this article – because I also had to work with a newborn.
The good news is that there are plenty of ways to make extra money while still being present for those early months with your new baby.
Why You May Need Extra Money On Maternity Leave
Many families have to take unpaid maternity leave, and others may find their leave is simply not long enough and want to extend it longer (many families in the U.S. get 3 months or even much less time).
Not only that, but maternity leave is an expensive time with medical bills coming in, the cost of baby essentials (diapers aren’t free!), and everyday living costs.
Also, there might be unexpected costs that weren’t part of your maternity leave budget. Perhaps your baby needs special formula or medication, or maybe your car broke down. These unplanned costs can put a dent in your finances, especially when your income may already be reduced during your maternity leave.
Or, you might also be looking to create a financial cushion for the future such as by saving for vacations or even starting a college fund for your baby. So, finding ways to make extra money during your maternity leave can be very helpful.
Recommended reading:
How To Make Money On Maternity Leave
When trying to earn money during maternity leave, here are three things to think about:
Flexibility is key – Choose work that can adapt to unexpected baby-related needs. It should let you manage your time effectively.
Think about earnings and growth – Think about how much you can make, how quickly, and if there’s room to grow.
Pick something you like and fits your goals – Do you enjoy the work? You may want to find work that matches your interests, skills, and future plans.
Read further to learn how to make money on maternity leave.
Top ways to make money on maternity leave
There are 27 ways to earn extra money on maternity leave listed below. If you want to skip the list, here are some jobs that you may want to start learning more about first:
1. Start a blog
Blogging is my favorite way to make money from home, and this is what I do while also raising my daughter.
Being a blogger involves creating content for online readers. You have the freedom to write about a topic you’re interested in (such as finance, travel, lifestyle, or family,) and freedom to decide how you want to make money on your blog – there are many different ways available such as affiliate marketing or displaying ads.
Blogging is my main source of income, and it has completely changed my life. I have the freedom to travel whenever I want, set my schedule, be my own boss, and I can spend all day with my daughter.
Learn more at How To Start A Blog FREE Course.
2. Sell printables on Etsy
Creating and selling digital printables on Etsy is a great way to work on your own schedule and earn money.
Plus, it is fairly passive income as you only have to make one digital file for each printable, and you can sell it as many times as you like. Another positive is that you can start it very affordably because you only need a laptop and internet.
So, what is a printable? They are digital items that you can download and print at home, such as grocery shopping checklists, budget planners, wedding invitations, wall art, and more.
I recommend signing up for Free Workshop: How To Earn Money Selling Printables. This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
Recommended reading: How I Make Money Selling Printables On Etsy
Other than printables, there are many other things you can sell on Etsy as well, such as soap, candles, jewelry, and more.
3. Transcription work
Transcription jobs are flexible and can be done from home. By turning audio files into text, you can earn money when it’s most convenient for you.
An online transcriptionist listens to audio or video recordings and writes down exactly what is being said. This process is called transcribing. The goal is to do this without any errors in spelling, grammar, or punctuation.
If you want to learn how to make money on maternity leave, this can be a great option as you can do this at home.
I recommend watching Free Workshop: Is a Career in Transcription Right for You? to learn more.
Recommended reading: 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly
4. Freelance writing
Freelance writers write articles, website content, social media posts, or even ebooks for clients.
I was a freelance writer for many years before switching to working full-time at writing here on Making Sense of Cents. It is a great career path where you can work from home and make your own schedule, such as writing while your baby is sleeping.
Recommended reading: 14 Places To Find Freelance Writing Jobs For Beginners
5. Virtual assistant
One of my first side hustles was working from home as a virtual assistant. This is a great way to work from home and have your own schedule.
Virtual assistants do many different kinds of tasks for clients, such as answering emails, scheduling appointments, managing websites, sending invoices, and so much more. It simply depends on what the person who is hiring you needs done.
If you want to become a virtual assistant, I recommend watching the free training 5 Steps To Become a Virtual Assistant.
Recommended reading: Best Ways To Find Virtual Assistant Jobs
6. Bookkeeper
If you’re good with numbers, you could sell bookkeeping services online or for small businesses, either on a freelance or part-time basis.
Bookkeepers are individuals responsible for managing financial things for businesses. This includes recording sales, tracking expenses, and generating financial reports.
If you want to become a bookkeeper, I recommend watching the free training How To Become A Bookkeeper.
Recommended reading: How To Find Online Bookkeeping Jobs
7. Freelance graphic design
With design skills, you can create logos, website designs, business cards, marketing materials, and more for clients and make money even during your maternity leave.
Recommended reading: How To Make Money As A Digital Designer
8. Data entry
Data entry clerks are like computer organizers. They enter, update, and double-check information in lists or tables. They type things like numbers and names to keep everything neat and organized.
Data entry jobs pay around $15 to $20 an hour, on average.
9. Create Canva templates
A Canva template is a pre-made design you can sell for things like social media graphics, ebooks, and presentations. It’s a handy starting point if a person is not great at designing from scratch.
Businesses, advertising professionals, social media influencers, and more all buy Canva templates all the time.
Canva templates have blank spaces where you can add your own words and pictures. You can also change colors and fonts to suit your preferences. They’re really useful for making things look good without spending a long time on it.
With Canva templates, you can sell a single design an unlimited amount of times. If you are looking for something passive, this is a great way to learn how to make money on maternity leave.
Recommended reading: How I Make $2,000+ Monthly Selling Canva Templates
10. Tutor
Tutoring students can be a great way to make money while on maternity leave, as there are many options to tutor from home. You may be able to create your own schedule and pick how much or how little you would like to work.
You can find online tutor jobs on websites such as Tutor.com. If you’d prefer to do in-person tutoring, you can call or email local tutoring companies in your area or share your tutoring services on social media or in local Facebook parent groups for your area.
Recommended reading: 11 Best Places To Find Online Tutoring Jobs (Make $100+ an hour)
11. Rent out your baby gear
Since you have a baby, you probably have a lot of baby gear.
Did you know that you can make extra money by renting it out?!
Renting out your baby gear on sites like BabyQuip can be a game changer when it comes to making extra income during maternity leave. This site allows you to share your baby items with families in need (such as a person on vacation), turning your baby gear into a source of income.
From strollers and cribs to high chairs and toys and more, you can list many different items on BabyQuip’s site.
Plus, you don’t need to have a lot of baby gear in order to get started – you can start with as little as a crib (which is the most commonly rented item).
According to BabyQuip, the average person can earn around $1,000 a month, and some are able to make over $10,000 per month.
12. Baby sleep consultant
As you already know, sleep is so important for a baby (and for the parents!).
You can earn a living while on maternity leave by becoming a sleep consultant. This is where you help other parents by helping them improve their baby’s sleep habits and routines.
Pediatric sleep consultants are experts in helping children sleep better and they make a big difference in families’ rest.
Read more at How To Become A Sleep Consultant And Make $10,000 Each Month.
13. Deliver groceries
If you want a flexible side gig while on maternity leave (and you also have someone to watch your child), then you may want to look into delivering groceries and food.
This can be a flexible side hustle because you can choose your hours and how much you’d like to work each week.
Services like Instacart need grocery shoppers, and the average shopper makes $15 to $20 an hour to deliver groceries. Drivers are paid per order, and you get to keep 100% of your tips. With Instacart, you would be physically going into grocery stores, picking out the food items yourself, checking out, and then delivering the groceries to your customer.
You can also learn more at Instacart Shopper Review: How much do Instacart Shoppers earn?
There are other food delivery gigs that you can do as well, such as GrubHub, Uber Eats, and DoorDash.
14. Airbnb host
If you have a separate space to rent in your home, such as an in-law’s quarters or an apartment above a garage, then you may be able to make money during your maternity leave by renting this space out.
You can learn more about this at What You Need To Know About Renting A Room In Your House.
15. Pet sit
If you are a pet lover, consider pet sitting for friends, family, or through an online service. It’s a great way to make some extra cash while you’re home and can be a fun addition to your day if you already have pets and babies at home.
If you’re interested in watching pets or dog walking, Rover is a platform where you can list your services and find clients.
16. Answer surveys
While answering online surveys and focus groups isn’t a way to make a ton of money, it can be a way to earn some extra money with whatever spare time you have from your newborn (such as when they are sleeping).
You simply share your opinions and answer simple questions, and in return, you can get cash or rewards like Amazon gift cards.
The survey companies I recommend include:
Survey Junkie
Swagbucks
Branded Surveys
InboxDollars
PrizeRebel
American Consumer Opinion
User Interviews – These are the highest paying surveys with the average being around $60.
Recommended reading: 18 Best Paid Survey Sites To Make $100+ Per Month
17. Affiliate marketing
If you want to learn how to make money while on maternity leave, one of my favorites is affiliate marketing.
I have been an affiliate marketer for years through this blog, and it is what allows me to stay at home with my daughter.
Affiliate marketing means making money by sharing a referral link on your website, YouTube channel, social media account, and more. When people use your referral link to purchase something, you then earn money.
For instance, consider sharing books from Amazon on your blog. You give your readers a link to a particular book and encourage people to buy it through your affiliate link. Companies like Amazon value affiliates who bring in high-quality traffic because they appreciate the extra support in helping them make more sales.
If you want to learn more about affiliate marketing, I recommend Affiliate Marketing Tips For Bloggers – Free eBook.
18. Proofread and edit
If you have an eye for detail, you may be able to sell your services as a proofreader or editor for different types of content.
Writers, business owners, and more hire proofreaders and editors to improve their work. There’s a big need for these types of positions, and you can find jobs through many different platforms.
If you want to become a proofreader, I recommend joining the free 76-minute workshop – Learn How to Become a Proofreader…and Start a Freelance Proofreading Business.
Recommended reading: 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year)
19. In-home childcare
One great way to make money while on maternity leave is to provide childcare services for other families in your area, either part-time or full-time.
This is one of the best stay at home jobs for someone on maternity or paternity leave because it allows you to stay home with your kids while making money at the same time.
Depending on your location, you might need specific licenses. But you could potentially begin without the extra legal steps by working with just one or two children. Just be sure to verify with your local city or state regulations beforehand. It’s also very important to make sure that your home is safe for children and that you are CPR certified.
20. Sell baked goods
Do you like to cook? You may be able to make money at home by starting a home bakery for people and/or pets. You can sell homemade baked goods at local farmers’ markets or online too.
You can read more at How To Make Extra Money By Starting A Home Bakery. Here, you’ll learn about the equipment you need to start a home bakery, food laws, how much to price your baked goods at, and more.
If you are interested in baking goods for pets, then I recommend reading How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).
21. Stock photo photography
Selling stock photo photography can be a great way to learn how to make money on maternity leave. This is because you would be working for yourself and can take pictures in your free time.
Stock image sites are popular sites for photographers to sell their photos. These sites allow customers to purchase pictures for various uses like websites, TV shows, books, and social media.
One great thing about stock photo sites is that they can be a great form of passive income. You can take pictures, upload them, and earn money from an older photo for months or even years in the future.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
22. Social media manager
Social media managers handle businesses’ social media accounts with the goal of attracting new customers and helping a business grow.
They might share images or videos showcasing products or the company, take part in popular social media trends (like on TikTok) to increase visibility, and respond to common customer questions.
23. Book reviewer
Book reviewers read books and share what they think through paid reviews.
Yes, there are websites where you can receive payment (as well as a free book) for sharing your thoughts about books. Some companies that pay for book reviews are Online Book Club, Kirkus Reviews, and BookBrowse.
Recommended reading: 16 Best Ways To Get Paid To Read Books
24. Flea market flipper
A flipper buys items from places such as garage sales, Facebook Marketplace, or thrift stores and resells them online for a profit.
You may be able to earn extra money by flipping items for resale or possibly earn a full-time income! You can even be able to make this a more flexible gig, such as only working during nap times.
A helpful free training that I recommend is Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days.
25. Rent out storage space
If you have unused space in your home, you can sell it as storage for rent to people in your local area. This can be a garage, driveway, closet, basement, or even an attic.
You can use a site called Neighbor to list any extra space you have available for rent and have the potential to make up to $15,000 per year.
You can sign up at Neighbor for free here and list your space.
You can also learn more about Neighbor at Neighbor Review: Make Money Renting Your Storage Space.
26. Sell an online course
Selling an online course is a great option for stay-at-home moms and dads who want to have control over their schedule and earn a somewhat passive income.
Some topics that you can teach in a course are:
Fitness and exercise programs
Time management and productivity hacks
Parenting
Arts and crafts
Languages
Programming
Personal finance
Traveling
Photography and photo editing
Plants and gardening
Baking and pastry making
And so much more!
You can sell a course in many different ways, such as through Udemy or Teachable.
27. Rent out your unused RV
Instead of letting your RV sit in your driveway unused, you can list it on RVshare and make some semi-passive income. My sister has rented a few RVs from this site, and she has had a great experience each time!
Renting out an RV can earn you anywhere from a couple hundred dollars to a couple thousand dollars each month.
How To Manage Your Money On Maternity Leave
Managing your money while on maternity leave can be tough at times. If you are looking for more things that you can do other than only learning how to make money on maternity leave, you do have some options.
Below, I will be talking about how to cut your budget so that you can save money, as well as your rights and benefits on maternity leave.
Cut your budget
During parental leave, cutting your budget can be a great way to manage your finances while adapting to life with a newborn.
Here are a few ideas to help reduce your expenses during this time:
Evaluate your current spending habits to determine where you can make adjustments – This might involve tracking your spending for a month or looking back at bank statements. You’ll likely find areas where you can save, such as dining out, entertainment, or shopping.
Cut back on subscriptions and memberships – Assess each subscription and determine the must-haves and those you can temporarily suspend or cancel.
Batch cook freezer meals before the baby comes – This is where you make a bunch of meals before the baby is born and freeze them. This can give you an easy meal to pop in the oven before the baby comes.
Cook at home – Getting food delivered can be convenient, but it’s usually more expensive than making your meals at home. Plus, cooking allows you to control ingredients and portion sizes.
Buy in bulk – When possible, get the items you use most frequently in bulk. Items like diapers, baby wipes, and nonperishable foods have a longer shelf life, and buying them in larger quantities can offer considerable savings.
Get secondhand and borrowed items – Instead of buying new baby gear and clothing, try borrowing from friends or family, or shopping at thrift stores like Once Upon A Child. Babies grow quickly, and they often outgrow items before they wear out.
Negotiate medical costs – If you have medical bills, you can try to negotiate them. Medical providers may be open to setting up payment plans or giving discounts for paying up front.
Short-term disability insurance
You may want to look into short-term disability insurance options before your maternity leave starts to help cover lost wages during your time off.
In some cases, your employer may provide this benefit, or you can purchase a policy separately. These policies typically cover around 60% to 80% of your regular income and may have a waiting period before benefits start (so, you will need to have the policy before you get pregnant).
Government assistance programs
There are government assistance programs that could help you during your maternity leave. For example, the Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) has nutrition education, breastfeeding support, and healthy food benefits for eligible families.
You can also check to see if you qualify for financial assistance from your state or other programs related to maternity and family support.
Find charities for help
During maternity leave, managing money might be tricky, but there are places that can help, like charities and groups that want to support new parents. You can find them online or at local community centers. Libraries, online parent groups, and special organizations are also great places to get help.
Remember, asking for help is a strong and smart thing to do, and there are lots of resources out there to help parents during this special time.
I recommend reading:
Know your state and federal law rights
I recommend learning about relevant state and federal laws governing maternity and family leave. The Family and Medical Leave Act (FMLA) allows eligible employees to take up to 12 weeks of unpaid, job-protected leave for the birth or adoption of a child. The law also says that you cannot be replaced or overlooked for pay raises and other promotions during your leave.
However, paid maternity leave policies differ by state and company. Some employers may offer a certain amount of paid leave, while others may offer none. Make sure to review your state’s laws and your employer’s policies to understand your rights during your maternity leave.
By knowing your rights, insurance options, and the benefits available to you, you can better plan your financial strategy during your maternity leave.
Frequently Asked Questions About How To Make Money on Maternity Leave
Below are commonly asked questions about how to make money while on maternity leave.
Can I make money while on maternity leave? Are you allowed to make money while on maternity leave?
If you are in the U.S., then yes, you should be able to make money on maternity leave. If you are unsure, check your employment contract or talk to your employer’s human resources department to be positive.
Before starting any side income streams, if you’re worried about whether or not you are allowed to make extra money while on maternity leave, then double-check your company’s policies and your leave agreement to make sure that earning money during your time off is permissible. Some employers may have restrictions on outside work or income during your leave.
How do I survive financially during maternity leave?
To survive financially during your maternity leave, you may need to find ways to cut your budget as well as learn how to make money on maternity leave.
Does unpaid maternity leave qualify for unemployment? Can you collect unemployment after having a baby?
This depends on why you are no longer working at your job. If you simply stopped working because of your pregnancy, then you may not be able to receive unemployment pay.
However, if you are pregnant or recently had a baby and were fired or laid off, then you may qualify for unemployment pay.
What are some ways to make money while on maternity leave? How can I make money while taking care of my baby?
There are many ways to make money while on parental leave, such as by working online, selling photography, renting out storage space or an RV, and more.
How can new mothers use their time efficiently while working from home?
Time management is important for new moms working from home. I recommend creating a routine, setting realistic goals (if you are working and watching your baby, it won’t always go perfectly), and designating work hours during the baby’s nap time to help manage work alongside childcare responsibilities. It’s also important to take regular breaks to avoid burnout and feeling stressed. Working while also taking care of a child can be very tiring.
How to Make Money on Maternity Leave – Summary
Federal law, specifically the Family and Medical Leave Act (FMLA), does not require employers to give paid maternity leave. Eligible employees are allowed to take up to 12 weeks of unpaid leave, and because of this, you might be worried about money during your maternity leave or feel like you can’t afford to take the full 12 weeks.
There are many ways to make money while on maternity leave, which may help you to pay your bills without sacrificing quality time with your new baby.
For example, you can sell handmade items or even sell consulting services. Remote jobs and work-from-home jobs are also an option (and my favorite), allowing you to use skills like graphic design or writing to make money.
Remember, it is possible to make money while on maternity leave. Yes, it will most likely be very hard at times and even feel impossible. But, you do have many options to try and make it work.
Do you want to learn how to make money on maternity leave?
Feeling guilty shouldn’t stop you from taking care of yourself and your career. In today’s economy, switching jobs is often the surest way to get a significant pay raise, and it’s common to do so every few years.
“We all kind of grow out of things, and that’s a really normal process,” says Emily Frank, a Denver-based career counselor and coach who helps clients through her private practice called the Career Catalyst.
If you’re feeling guilty about leaving a job, experts recommend keeping the following points in mind.
Quitting may be better than staying
Think of it this way: Once you know you’re ready to move on, you probably notice a change in your attitude that makes work feel more like a drag. Is that a good thing for your coworkers and your employer?
When you’re feeling bored or unchallenged, it’s time to start looking for your next job move, Frank says. “Boredom isn’t good, and we don’t do our best work when we’re feeling unengaged.”
It’s normal to feel a sense of loss
The guilt you’re feeling about leaving your job may indicate that you care. You’ve invested time and energy into your work, as well as into your work relationships, says Jackie Cuevas, an Orange County, California-based human resources professional known on TikTok for giving career advice from “your friend in HR.”
“Obviously there’s a sense of guilt, because you’re like, ‘man, I’m leaving a lot behind,’ or ‘I have a lot of projects that I haven’t finished and they have to hire my replacement,’” Cuevas says.
“You have developed a bond with people that you work closely with. So it’s only natural and human to feel this feeling of guilt whenever you leave anyone behind.”
You can help with the transition
Channel your feelings of guilt into helping your coworkers and boss prepare for your departure. While it’s common to give two weeks’ notice that you’ll be leaving, standards vary depending on your industry and role. Give enough notice so that you have time to hand off projects, record any important notes or procedures and delegate responsibilities.
Bear in mind that you probably won’t answer every conceivable question before you leave. While it’s kind to offer to stay in touch if the team you’re leaving behind has questions after you’re gone, it’s not required. And you shouldn’t leave that door open just because you feel bad.
Focus on doing your best to help with the transition and then let the rest go, Cuevas says. “It’s up to management and the team to be able to really be solutions-focused and essentially figure it out.”
Your next chapter needs your attention, too
Wrapping up at an old job can be stressful. But your next phase needs your energy, too. Perhaps you’re moving to a new city or taking on a new level of responsibility.
If you can, take some time between ending one job and beginning another so you can decompress from the stress of your exit and shift your attention to what’s ahead of you.
It doesn’t have to be a lot of time — it could be a few days or a week. If, in order to get a bit of that transition time, you must give little notice at your old job, that’s a valid choice to make.
“You want to be able to close the door and get your mindset ready for this new, exciting position,” Cuevas says.
Should you feel guilty for quitting your job without notice?
Sometimes, circumstances require you to quit a job without notice, and you shouldn’t feel guilty about that.
It’s true that giving some notice before quitting your job would be the preferred route. It could help you maintain a professional relationship with your boss or coworkers. You never know when you might need help from people in your network.
But giving notice is not required and, in some instances, it may not be advisable, says Frank of the Career Catalyst.
You may decide to leave your job immediately because your new job starts right away or you are facing some kind of personal emergency. In those events, you may not be capable of doing your best work at your old job, and it’s probably better for everyone that you resign without notice.
If the fault is not on your end but lies with a harmful work culture, leaving immediately could be a way to protect yourself.
“If a workplace has gotten really bad, if there are bullying behaviors or sort of abusive treatment going on, then those are the times when you should throw professionalism out the window,” Frank says. “You just need to get out of there.”
Going through a job interview and hearing nothing from the company afterward can fill you with doubt and confusion.
But in most cases, the holdup has nothing to do with your candidacy. Your best bet is to wait for an appropriate amount of time to pass — more on that in a moment — and send a follow-up email to the interviewer or recruiter.
When to follow up after no response
In an ideal world, candidates would hear from the company within a week or so of an interview, says Ayanna E. Jackson, a career coach based in Washington, D.C.
That timeline can vary, though, depending on who you ask. Kyle Elliott, a career coach based in the San Francisco Bay Area, says candidates can expect to wait up to two weeks to hear from a company after an interview.
So, if it’s been at least a week since you’ve interviewed with a company, and you haven’t heard from them, send a follow-up email. (Note: This is separate from a thank-you email that you should send within one day of every interview.)
How to write a follow-up email after no response
If you’re emailing a recruiter, specifically mention which position you interviewed for, who interviewed you and the date the interview took place.
Recruiters are “often juggling 20, 30, 40 open roles,” Elliott says. “By following up, you’re simply helping them do their job.”
Even if you’re emailing the interviewer themself, mention what position you interviewed for, because that person could be conducting interviews for multiple roles.
Once you remind the recruiter or interviewer who you are, ask if there are any updates on the interviewing process. You can also ask when the company expects to have an update for you.
Keep the email friendly and succinct. Remember: You’re trying to reach somebody who’s busy, so make your email easy to read and answer.
Here’s what a follow-up email may look like:
Hi [Name],
It was great getting to speak with [Name] about the [role] on [date]. Do you have any updates regarding the interview process? I’m extremely interested in the role and would love the opportunity to further discuss my qualifications.
If there aren’t any updates on the interview process right now, when should I expect to hear from you?
Thank you,
[Your Name]
And don’t be afraid to pick up the phone. If your interviewer or recruiter includes their phone number in their signature, give them a call. It’s not overly pushy, experts say.
“Sometimes, you gotta do what other candidates won’t do,” Jackson says.
If your initial follow-up email or phone call goes unanswered, wait between three and four days before reaching out again, Jackson says. But after three unanswered emails, you may want to move onto other job opportunities.
Why you may not be getting a response after an interview
Companies rarely ghost candidates on purpose. In most cases, they don’t get back to candidates in a timely manner because of the same day-to-day minor disorganizations that affect all businesses, says Jackson, who spent 20 years working in human resources at companies like NPR, Starbucks and General Electric.
“Candidates think the recruiting process is all buttoned-up and timed and organized — and it’s not,” Jackson says.
Jackson has first-hand experience with the circumstances that keep companies from prompt communication: employees being out sick, on vacation or inundated with other deadlines; and managers juggling multiple interviews. Many businesses also experience seasonal slowdowns during summer and winter holidays, or become preoccupied with annual planning at the end of the fiscal year, around August or September.
“I’ve seen that pretty consistently at just about every organization I’ve worked at,” Jackson says.
So try not to read too much into the delay. “Very rarely is it personal that people are ghosting,” Elliott says. “It’s usually some other factor that has nothing to do with you as a job seeker or as a person.”
When you make the decision to continue your higher education beyond an undergraduate degree, you likely think about the payoff: Will the education, such as a Master’s degree in Business Administration (MBA), help you secure a well-paying job? Will you be able to quickly pay off your graduate loan?
If you’re wondering what you can do with an MBA, you’re not alone. While there are many different jobs for MBA graduates, the important thing is identifying which you’re interested in so you know you’ve got a promising career ahead of you on the other side of that MBA program.
What the MBA Prepares You For
Because an MBA exposes you to many different aspects of business, from finance to marketing to economics, it can help you qualify for a wide range of business-related MBA careers. Because you aren’t focused in a single niche, you can apply the leadership, accounting, and communication skills you have learned in your MBA program to your future career, no matter what industry it’s in.
Some prestigious MBA programs (that also come with a hefty price tag) may have an alumni network that can help you find a good job right after graduation. But even if you’ve opted for a more affordable MBA program, the simple fact of you possessing an MBA may be appealing to employers and could help you command a higher salary than you could have earned with just an undergraduate degree. 💡 Quick Tip: Private student loans offer fixed or variable interest rates. So you can get a loan that fits your budget.
The Current Job Market
Despite recent layoffs in a variety of industries, particularly in technology, there are still a lot of industries that are growing and even the ones doing the layoffs are still hiring MBAs. Finding a great job, however, may require using your networks to your best advantage. Human resource experts also advise MBA grads to highlight skills that are especially marketable today, including training in artificial intelligence, project management, business analytics, and supply chain management.
Recommended: Is Getting A Degree In Marketing Worth It?
The Best Jobs for MBA Grads
This leads us back to that question: What jobs can I get with an MBA?
The good news is, no matter what the economic climate and your particular skill set, there are typically many jobs for MBA graduates.
Jobs in Finance
If you aced your finance, statistics, and accounting courses, your future may lie in finance. For someone with an MBA, you’ve got several possibilities.
A financial advisor provides financial planning and advice for clients, and may specialize in certain niches, like estate planning or high net worth clients. Financial advisors may continue to pursue additional certifications or licenses. The median salary for financial advisors is approximately $94,170.
A financial analyst is attuned to the stock market and may make forecasts about the behavior or stocks and bonds for clients. The median salary for a financial analyst is around $81,730.
If you enjoy managing a business’ finances, becoming an accountant may be a good fit. You may be in charge of accounts receivable and payable, as well as filing taxes for a business. The median salary for an accountant is around $77,250.
If you have a little technical skill, a budget analyst might be a good fit. You’ll prepare financial reports, evaluate budgets, and help the business manage its finances. Median salary for a budget analyst falls around $79,940.
Recommended: 9 Top Online MBA Programs
Jobs in Marketing
If numbers aren’t your thing, but you love the idea of promoting a brand and connecting with its customers, a career in marketing could be up your alley.
A marketing manager is involved in overseeing marketing campaigns for a company. You may be involved in the strategy, and/or actual execution of tools like social media, content, and advertising. Median salary for marketing managers is around $135,030.
If you want to get more hands-on with digital marketing, consider applying to become a digital media strategist. This role taps into analytics and data to build marketing and ad campaigns to build relationships with customers. The average salary for a digital media strategist is approximately $62,947.
If you’re a born salesperson, being a sales manager may come naturally to you. They develop sales and promotions and oversee sales teams for a company. The median salary for sales managers is about $130,600.
Jobs in Management
If you’re highly organized and have leadership skills, a career in management might be a good fit, particularly if you also have technical skills.
Management consultants often work in technology fields, and help companies solve problems or facilitate transitions. The average salary for management consultants is around $99,655.
Or you could become an operations manager, who is in charge of making sure a company runs smoothly. This role could be involved in finance, supply chain, hiring, and overall strategy, and the median salary is roughly $97,970.
HR managers are also involved in the company’s operations, though from the human resources perspective. This role recruits, interviews, and hires employees, as well as onboards them and trains them. The average HR Manager salary is around $116,792.
If you like keeping projects running smoothly, you might make a great project manager. You’ll be involved in assigning tasks to team members, communicating with company leaders, and facilitating the success of a project. Average salaries fall around $87,129.
Another option is a product manager, who is involved in creating and marketing new products. The average salary for this role is $114,028.
Jobs in Technology
If your skill set lies in IT, there are several jobs to consider once you’ve graduated.
As IT manager, your role would be to manage and upkeep a business’ IT hardware and software, as well as build strategies and protocols for IT security. The median salary is around $159,010.
Business intelligence analysts assess business data and trends to find ways that a business can become more efficient and profitable. The average salary for a business intelligence analyst is around $87,267.
Recommended: Tips on How to Pay for MBA School
How to Stand Out from other MBAs
Now that you have a sense of your career options post-graduation, the question is how to get hired.
Start by networking. There likely are organizations in your community that cater to a general business audience, or even a specific niche, like IT professionals. Your university may have an organization to connect students with employers.
As you build relationships with people through these groups, you can put feelers out for potential jobs. Remember: Networking isn’t about what you can get out of it but rather what you can give. So contribute what you can and connect people when appropriate, and the favor may be returned.
Update your LinkedIn profile to reflect your education as well as any internships or organizations you have been involved with. It’s also a great place to search for jobs and connect with people who work at companies you’re interested in.
Finding a job will take time, so start early and have patience. Have a few versions of your cover letter that you can modify, and customize the letter you send specific to the job and company you’re applying with.
If you make it to the interview phase, send a handwritten thank you note to the person who interviewed you. This is not only polite, but might help you stand out, since few people send physical mail anymore.
After all your hard work, you will likely be rewarded with a career that allows you to utilize the knowledge you gleaned in your MBA program, and ideally offers a competitive salary that can help you repay any MBA loans you took out to finance your education. 💡 Quick Tip: Would-be borrowers will want to understand the different types of student loans that are available: private student loans, federal Direct Subsidized and Unsubsidized loans, Direct PLUS loans, and more.
The Takeaway
Getting your MBA can open doors for your career. MBA programs aim to teach students a broad range of skills that can help them thrive in a wide range of roles and industries, including tech, HR, marketing, and more.
MBA programs can be pricey. If federal aid, scholarships, and savings aren’t enough to fill the funding gap, private school loans could be one option to consider.
Private student loans are available through private lenders, including banks, credit unions, and online lenders. Loan limits vary from lender to lender, but you can often get up to the total cost of attendance, which gives you more borrowing power than with the federal government. Interest rates vary depending on the lender. Generally, borrowers (or cosigners) who have strong credit qualify for the lowest rates.
Keep in mind, though, that private loans may not offer the borrower protections — like income-based repayment plans and deferment or forbearance — that automatically come with federal student loans.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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The tenant screening process is stressful, but you need to know that the people living in your properties can cover their monthly rent. If they can’t and a breach of contract leads to eviction, it’s a traumatic and emotional event for both you and the tenant. And, it’s definitely a costly headache for you. Evictions can cost a landlord many thousands of dollars in legal fees and court costs, lost rent, property turnover costs, etc. For the screening process, you’ll need to know how to verify employment, as well as do a full background and credit check. Knowing a would-be tenant’s income means you’ll see if they can afford their monthly rent. A traditional rule of thumb is to calculate that their rent would be 30 percent or less of their gross monthly income.
Keep in mind that in high-rent markets like San Francisco or New York City, this rule is difficult to follow. In fact, a Harvard Joint Center paper on housing affordability found that the number of renters paying more than 30 percent of their gross income on rent comprises more than half of all renters.
Your ultimate goal with income verification is just to see that the prospect has a steady source of income and will likely pay the rent in full and on time.
How to get started verifying a prospective tenant’s income
You could either ask for documentation or call a prospective tenant’s employer to verify income. But it’s worth your while to do both. For one, employers are not obligated to answer your questions. They may choose not to respond for legal reasons or to protect themselves from a possible breach of employee privacy.
You should do the employment verification once the rental application is completely filled out and you can see the self-reported income, at least, is going to cover monthly fees. Do the verification before heading into a background check in case there are any red flags. If there are, you might skip the background check and save yourself some time and money.
What to ask if you call your prospective tenant’s employer
First, make sure the tenant has given you the name of the correct person to contact. In a larger company, it’s likely the human resources department or payroll. You might take a quick check on the company website to make sure. In a smaller company, you might just speak with a direct supervisor. In some cases, there will be a specific phone number or email address for information on who handles employment verification.
Once you introduce yourself to the person on the phone let them know who you’re calling about and why you need the following information: job title/what the person does for the company, date of hire, employment status, salary. Be sure to document the name and contact information of the person you ultimately receive the information from. In fact, you should document the entire screening process by keeping all your notes and emails.
Note that some employers may only acknowledge employment status and dates of employment.
What documents will verify employment?
Pay stubs are the most common proof-of-income document. Ask to see several months since many people get paid twice a month. But there are other documents that a prospective tenant may use to prove income:
Income statement
People who work for an employer can verify their income by showing a W-2, which is the federal government’s form for showing wages and taxes. Self-employed people (freelancers and contract workers) will have 1099-Misc or 1099-NEC (non-employee compensation) statements. From these, you can glean how much pay your prospective received by various clients, which will give insight into monthly or yearly income.
Employer letter
You can ask a prospective tenant to send you a salary verification letter written and signed by his or her employer. It’s possible that the prospect could fake a salary verification letter. Require a work phone number and relevant employer contact information.
Social Security benefits statement
If a prospective tenant is on Supplemental Security Income (SSI) or receives disability payments, you can ask to see a benefit verification letter from the Social Security Administration.
Worker’s compensation letter
Perhaps a tenant receives income from a current or previous employer because they suffered an injury on the job. While you can see the tenant has steady wages, keep in mind this form of compensation is likely short-term.
Unemployment statement
Yes, this does prove income, but just as with worker’s compensation, it will likely end after a certain amount of time.
Bonus and incentive payments
If your renter has a commission-based job, he or she may receive bonus checks periodically. While their income may seem inconsistent, look at their income over time to see if they will be able to pay the rent each month.
Income tax returns
Looking at a return will show you how much your renter earns regardless of whether they’re a salaried employee or have 1099 compensation.
Bank statements
While this may seem intrusive, this form of income verification works well for a tenant who’s self-employed. You’ll be able to see monthly income deposits, which can help you determine if the person can afford the unit.
How can I tell if a prospective tenant is not being honest about employment verification?
It’s possible that a would-be tenant might give you a fake reference. They may have someone offer false employment verification. Or, they may even create fake wage statements.
Look closely at all the documents you’re given. For example, fake income statements may have all-around numbers, something that’s atypical. Look for typos, and these documents should look professional and not messy. Check that the letter “O” hasn’t been used for the number “0″ and vice versa. Make sure the Social Security numbers match. And, of course, verify the information on the document with the employer.
Verification is good for all
Knowing how to verify employment of a prospective tenant’s income is just one element in your arsenal as you prepare to allow someone to rent your property.
Checking a would-be tenant’s background and making sure they can afford the monthly payments is important for you as a landlord, as well as for the tenant. A tenant buried by rental payments can lead to all sorts of headaches.
Stacey Freed is an award-winning writer and former senior editor for Remodeling, a trade publication focused on the business of the remodeling and construction industry. As an independent writer, she continues to write about the building, design, architecture and housing industries. Her work has appeared in Better Homes and Gardens and USA Today special interest publications, Realtor magazine, This Old House, Professional Builder and online at AARP, Forbes.com, House Logic and Sweeten.com among other places.