U.S. Bank is offering 70,000 miles after $5,000 in spend within the first 90 days on the Korean Air SKYPASS Select Card
Card Details
Annual fee of $450, not waived fist year
$200 annual statement credit on travel purchases (this is based on a card member year, not calendar)
TSA PreCheck/Global Entry Credit of up to $100
10,000 bonus miles on card anniversary, must spend $35,000 in the prior year or 5,000 miles when you spend $15,000
Get 5% off Korean Air tickets 2X yearly, available for you and a companion
Card earns at the following rates;
3x miles per $1 spent on Korean air purchases
2x miles per $1 spent on Airline ticket, Car Rental & Hotel purchases
1x mile per $1 spent on all other purchases
Discount coupon for $100 off Korean Air ticket
2 Korean Air In-Flight Duty Free coupons of $25 each
2 KAL Lounge coupons each year
Our Verdict
Benefits aren’t really worth it for the $450 annual fee, but it could be worth getting the first year just for the miles but even then it’s hard to justify. Think this is an easy pass for most people but better than the standard 60,000 miles offer. We won’t be adding this to the best credit card bonus page.
Are you looking for the best side hustles for moms? Being a mom is a full-time job, but that doesn’t mean you can’t make extra money on the side if you need to. Balancing work and family life can be tough, but finding a side hustle that fits your schedule can make it easier. Whether…
Are you looking for the best side hustles for moms?
Being a mom is a full-time job, but that doesn’t mean you can’t make extra money on the side if you need to. Balancing work and family life can be tough, but finding a side hustle that fits your schedule can make it easier.
Whether you need to make money to pay the bills, if you’re looking to save for a vacation, or if you simply want to save more money, there are many side hustles that may fit what you’re looking for.
I am a mom and I have done many of the side jobs listed below. Some can be part-time, others full-time, so there is probably something on the list below that can work for you.
Best Side Hustles for Moms
Below are the best side hustles for moms.
1. Blogging
Blogging is a great way for moms to make money from home. It is what I personally do so that I can work from home and spend more time with my daughter.
For me, blogging lets me travel whenever I want, work on my own schedule, make good money, write about topics I enjoy, and I really love having a blogging business.
I started Making Sense of Cents in 2011, and since then, I’ve made over $5,000,000 from my blog. When I began, I had no idea it would turn out to be one of the best jobs for stay-at-home moms. Now, I am extremely grateful for this – and it all started as a side hustle!
One way to earn money with a blog (and this is my favorite way) is through affiliate marketing. This means you recommend products and get paid when someone buys through your link. It’s like earning a commission for sharing products you use and enjoy.
Another way to make money is by placing ads on your blog. As your blog gets more visitors, you can earn money from the ads.
Writing sponsored posts is another option. Companies pay you to write about their products or services (it’s a good idea to choose products that you believe in and that fit your blog’s theme).
Blogging takes time and effort, but it can be very rewarding. You get to be creative, connect with others, and make money doing something you love.
You can learn more about how to begin in my free How To Start a Blog Course here.
2. Sell printables
Selling printables on Etsy can be a great side hustle for moms. You can make extra money by creating and selling digital items like planners, calendars, and worksheets.
All you need is a computer and some design software, and you can work on it at your own pace and from the comfort of your home.
You don’t have to spend any money to start selling printables either.
This is a great way to make money from home because you only need to create one digital file for each product, and you can sell it as many times as you want. You don’t have to print or ship anything. Instead, you create the digital file, and the customer downloads it and handles the rest after buying it from you.
You can learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
3. Proofreading
Proofreading is a great way to make some extra money from home. If you have an eye for detail, you can get paid to spot errors in text.
You don’t need a special degree to start proofreading. Many online companies hire beginners and this means you can get started without lots of experience. Plus, you can build up your skills and portfolio as you go.
The pay can vary. Some proofreaders earn $1,000 a month, while others make six-figure incomes. It depends on how much you work and your experience level. You can do this full-time or just as a part-time gig.
I know several proofreaders (who are moms) who started proofreading as a side hustle, and now it’s their full-time job. So, you can spend as little or as much time as you want growing this job.
You can learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
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This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
4. Bookkeeping
Bookkeeping is a great side hustle for moms. It’s flexible and can be done from home.
Bookkeepers keep track of financial records for businesses. This includes recording transactions and balancing accounts.
Before you pass this by because you think you’re not qualified, you might be surprised to know that you don’t need to be an accountant or have any experience. Becoming a virtual bookkeeper is something you can learn from home.
You can learn more at How To Find Online Bookkeeping Jobs.
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This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
5. Print-on-demand
Print-on-demand is a great side hustle for moms.
You can create your own designs and sell them on items like T-shirts, coffee mugs, and tote bags. Websites like Etsy make it easy to set up your own shop.
There’s no need to buy supplies or handle shipping. The print-on-demand company (like Printify) takes care of that for you. This means you can focus on being creative and taking care of your family.
Many moms find this side hustle to be simple and rewarding. You can work on it during nap times or after the kids go to bed. If you love designing, this can be a perfect fit for you.
You can learn more at How I Make $1,500 Monthly With My Print-On-Demand Business.
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This freebie will teach you about print-on-demand as well as give you a list of 17 hot-selling products you can sell via print on demand.
6. Run a dog treat bakery
Starting a dog treat bakery can be a fun and profitable side hustle. You can begin this business right from your kitchen so it’s perfect for moms looking to make some extra money.
This side job can be very flexible. You can choose to keep it small and earn $500 to $1,000 a month. Or, if you have more time, you can scale it up and make even more.
You can learn more at How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).
Plus, you can sign up for this free training workshop that teaches you the small business plan for starting your own pet bakery.
7. Online survey taker
If you’re a mom looking to make some extra money from home, taking online surveys could be a side hustle.
Companies pay for your opinions on their products or services, which helps them improve and stay competitive. This side hustle is flexible, allowing you to fit it around your busy schedule, whether during nap times or after the kids go to bed.
No, you will not get rich taking surveys (this is not a lucrative side hustle, but it is very flexible!), but you may be able to earn around $50 to $100 per month by answering several surveys each week.
Surveys are almost always done online, and you’ll usually be answering multiple-choice questions or typing in quick answers about your daily life, like where you last shopped. To get started, you can sign up for several survey sites.
Some popular survey sites include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Prime Opinion
Five Surveys
PrizeRebel
IncomeFindr
User Interviews
While some surveys pay just a few cents, others can pay up to $20 or more, depending on how detailed and complex they are. This makes it a convenient way for moms to earn a little extra income in their spare time.
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Swagbucks is a site where you can earn points for surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.
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Once you complete five surveys, you’ve earned $5, which you can cash out using the payout options offered by the site (such as PayPal cash and free Amazon gift cards).
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Prime Opinion is a survey website that helps people to earn extra money by sharing their opinions at home. It’s a simple survey site to use: you share your thoughts, and they pay you for them.
8. Virtual assistant
A virtual assistant (VA) can do many tasks from home and this is a popular side hustle idea for moms. They may manage emails, set up appointments, create social media posts, handle customer service, and more. Many small businesses need help with these jobs.
Becoming a VA doesn’t require a lot of training. You just need good organizational skills and a reliable internet connection.
A big advantage of being a VA is flexibility. You can set your own hours and work when it’s best for you, so this makes it a perfect side hustle for busy moms.
You can learn more at Best Ways To Find Virtual Assistant Jobs.
9. Social media manager
Being a social media manager is a great side hustle for moms.
Many businesses need help with their social media accounts because they don’t have the time to keep up with posting and replying to messages, or they simply don’t have the expertise.
Tasks might include creating posts, scheduling them, and interacting with followers. Social media managers might also run ads and analyze their performance.
It’s a flexible job you can do from home, making it perfect for busy moms.
10. Affiliate marketing
Affiliate marketing is a great way for moms to make extra money.
With this side hustle, you promote products or services online. When someone buys through your link, you earn a commission.
You can get started by choosing products you like and trust. This makes it easier to talk about them. People will feel your enthusiasm and trust your recommendations.
Many moms start with their own blogs. You can write about things you know and enjoy. Topics like parenting, cooking, or fashion are good choices. You can add affiliate links in your blog posts where they fit naturally.
Social media is another place to use affiliate marketing. Sharing links on Instagram, Facebook, or Pinterest can reach a lot of people.
Affiliate marketing is flexible. You can do it at your own pace and schedule, so this is perfect if you have kids and need to work around their needs.
For me, I love affiliate marketing and I think it’s one of the best ways to make money online. I especially like how I can do work up front and make money years down the line from older blog posts. So, it is kind of like a form of semi-passive income.
If you want to learn more about affiliate marketing, I recommend signing up for Affiliate Marketing Tips For Bloggers – Free eBook.
11. Online tutoring
Online tutoring is a great side hustle for moms. You can teach different subjects from your own home and this flexible job allows you to set your own hours.
If you love math, science, or another subject, there are students looking for help. You don’t need to be a certified teacher, but having a good grasp of the subject is important.
Online tutoring also pays well. Average rates can range from $10 to $30 per hour, depending on the subject and your experience.
12. Pet sitting and dog walking
If you love animals, pet sitting and dog walking could be the perfect side hustle for you.
Pet sitting is when you look after a pet while the owner is away. This could mean feeding, playing with, and sometimes even staying overnight with the pet.
Dog walking is a bit different. You take dogs for walks, making sure they get exercise and fresh air.
Both of these jobs are flexible. You can take on as many or as few clients as you want. This makes it easy to balance with other responsibilities.
My husband’s mother is a dog walker and pet sitter on Rover (the popular dog walking app), and it always seems like she loves this side hustle. She really likes dogs, so it looks like fun to me.
You can learn more at 7 Best Dog Walking Apps To Make Extra Money.
13. Sell handmade crafts
Selling handmade crafts is a fun and creative way to make money as a mom. You can use your skills to create unique items that people love.
There are many types of crafts you can sell. Items like handmade jewelry, painted mason jars, or knit blankets can be very popular. If you’re good at sewing, you can make and sell upcycled clothing or custom pieces.
Selling classes or workshops is another option. If you’re skilled at a particular craft (like knitting), teaching others can be a rewarding side hustle.
You can learn more at 16 Best Things To Sell On Etsy To Make Money.
14. Transcribing
Transcribing is a great side hustle for moms working from home. This is where you transcribe audio files into text for clients.
To start, you only need a computer and good listening skills. Some companies hire beginners, so you don’t need experience.
The pay can vary. Some jobs pay per audio minute, while others pay per audio hour. Usually, though, you can make around $10 to $20 per hour.
Platforms like Rev, Scribie, and CrowdSurfWork are good places to begin.
Transcribing can be done at any time of day, making it flexible for moms. This makes it easy to fit around your family’s schedule.
You can learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
15. Photography
Photography can be a great side hustle for moms, and I personally know a few photographers who have very successful photography careers and are also mothers!
This is something you can learn, such as by shadowing another photographer or by taking classes in person or online. As you get better, you can sell your services to others. Portrait photography is a popular choice, such as with taking photos of families, kids, or even pets.
Event photography is another option. Birthdays, weddings, and parties usually need a photographer.
You can also sell your photos online. Websites like Shutterstock or Etsy allow you to earn money from your images. This way, you can work from home and on your own time.
You can learn more at 18 Ways To Get Paid To Take Pictures.
16. Clean homes
Cleaning homes can be a good side hustle if you enjoy tidying up. Many people need help keeping their houses clean but don’t have the time to do it themselves.
You can set your own hours, making it easy to fit into your daily schedule. You can start by selling your cleaning services to friends and family. Once you get some experience, you can expand your client base.
You don’t need much to start. Basic cleaning supplies and a positive attitude can go a long way. You can also charge by the hour or by the job, whichever works best for you and your clients.
I know several mothers who clean homes in their free time, and they like how they can find homes to clean that fit into their schedule (so, it can be flexible!).
17. Baby equipment rental
Renting out baby equipment can be a great way for moms to make extra cash. Many mothers likely already have a bunch of different baby items at home, so they can make money with them when they are not being used.
Platforms like BabyQuip help connect you with families who need baby gear when they travel. You can rent out items such as strollers, cribs, car seats, and even toys.
You earn money based on how often your items are rented. The more popular the equipment and the busier the travel season, the more you could earn.
Some top providers make over $10,000 a month by renting out baby gear (at this level, they are definitely buying things with the sole purpose of renting them out, though, and not just renting out things they have just laying around their homes).
18. Book author
As a mom, becoming a book author can be a great side hustle. You get to share your stories or knowledge while working from home.
You can write about anything that interests you. Whether it’s a children’s book, a novel, or a guide on something you know a lot about, there’s a place for your work. You could even write romance novels!
Income from book sales can vary. New authors might see $0 to $500 a month, while experienced authors can make between $1,000 and $10,000 per month.
Writing a book does take time and effort. You might need to write during nap times, after the kids go to bed, or when they are in school.
19. Real estate agent
Becoming a real estate agent can be a great side gig for moms. You get to help people buy, sell, or rent properties. You can set your own hours, which is perfect for balancing work and family time. Plus, the more properties you sell, the more money you can make.
You can start part-time and grow your business as you gain experience. Real estate agents usually earn commissions, so your income can vary. It’s possible to earn a lot if you work hard and build good relationships with your clients.
20. Travel agent
Being a travel agent from home is a great side hustle for moms. You help people plan their trips, find the best deals, and book their vacations.
It’s ideal for moms who love to travel and know how to find great deals. If you have experience planning trips, this can be a rewarding way to earn money.
21. Freelance writing
Freelance writing is a great side hustle for moms, and I think it’s one of the most realistic jobs for stay-at-home moms. It lets you work from home on your own schedule, so if you love to write, this could be a perfect fit.
You can write many things like blog posts, articles, or website content. The pay can start from around $50 per article but can go up to over $1,000. As you gain more experience, you might earn even more.
One big advantage of becoming a freelance writer is the flexibility. You can work when your kids are napping or busy with activities. This makes freelance writing great for busy moms.
You don’t need a lot to start either, which is nice. A computer and internet connection are enough.
I have been a freelance writer for years, and I think it’s a great way to make money as a mom.
You can learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).
Time Management Tips for Moms
As you may have noticed above, there are a lot of different side hustles for moms.
But, how can you fit them into your already busy schedule?
I get it. Being a mom is hard work, and you may feel scattered already.
Managing time can be tough for moms who have a lot to handle. Here are some simple tips to help you stay organized and use your time wisely.
Creating a schedule
I recommend that you start by creating a weekly schedule. Write down everything you need to do, like work, family time, and personal tasks. You may want to use a planner or a digital app to keep it all organized.
Then, allocate specific times for your side hustle. It could be during your child’s nap time or after they’ve gone to bed. Consistency helps in sticking to your plan.
Don’t forget to schedule some “me time.” Whether it’s reading a book or going for a walk, taking breaks can help you recharge.
Review your schedule at the end of each week. Adjust what didn’t work and keep improving. This way, you’ll find a rhythm that suits you best.
Balancing work and family
Balancing work and family is important. I recommend that you set clear boundaries between work time and family time. Let your family know when you’ll be working on your side hustle so they can respect that time.
You may want to find activities for your children that don’t need constant supervision. This can give you pockets of time to focus on your tasks.
Another way is to prioritize tasks based on importance. Use to-do lists to keep track of what needs to get done. Tasks with tight deadlines should come first. For me, I have a constant to-do list on my phone, and I find that helps me remember everything as well as prioritize everything that I have going on.
To balance work and family, you will want to remember to have family activities. Movie nights or game days can strengthen family bonds and make up for the time you are working. Quality time with family is just as important as work.
Time management is about finding balance and being flexible. What works for one mom might not work for another, so keep adjusting until you find what works best for you.
Frequently Asked Questions
Below are answers to common questions about side hustles for moms.
How can moms make money on the side?
There are many ways for moms to make money on the side, such as starting a blog, selling handmade crafts, selling printables on Etsy, proofreading, bookkeeping, freelance writing, tutoring, dog walking, photography, and more.
What are some flexible ways for moms to earn money at home?
There are many ways for moms to earn money from home. They could start a bookkeeping business, sell online courses, start a blog, transcribe, or even work with print-on-demand services to sell custom-designed items.
Can you list creative side jobs for stay-at-home moms?
Some creative side jobs for moms include blogging, making and selling printables, baking (and selling) dog treats, graphic design, voice-over work, and starting a YouTube channel.
How do working moms find time for side jobs?
Working moms can find time for side jobs by finding small pockets of time during the day, like when the kids are napping or after they go to bed. Using a planner can help organize your time and set achievable goals to keep on track.
What’s the easiest side hustle for moms with no previous experience?
Taking online surveys or becoming a virtual assistant are great options for moms with no prior experience. These jobs are easy to start and require little to no training.
How can a stay-at-home mom make $2,000 a month?
To make $2,000 a month, a mom could sell multiple services like bookkeeping, proofreading, or selling a range of products such as printables and crafts. Combining several side hustles can help you reach this goal. Or, you could focus on a single side job and spend more time on it.
How can a SAHM be financially independent?
A mom can definitely become financially independent. This is possible by diversifying their income streams. They can sell products online, sell freelance services (like writing or bookkeeping), or even invest some time into building a successful blog or YouTube channel.
How To Find Side Hustles for Moms – Summary
I hope you enjoyed this article on the best side hustles for moms.
Finding the right side hustle can make a big difference for moms who want to earn extra money while still focusing on their families.
Many of the side hustles for moms above have a lot of flexibility, the chance to work from home, and the opportunity to do what you love.
Whether you start a blog, sell handmade crafts, or become a virtual assistant, there’s a side hustle that can fit into your busy life.
What do you think are the best side hustles for moms?
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When you’re thinking about earning more money in the quickest way possible, you might consider targeting a certificate program. Certificate programs have a major added benefit in that once you have your credentials in hand, they can help you boost your financial situation, sometimes significantly.
Graduates of all levels can take advantage of certificate programs, whether you’re a high school graduate or whether you have completed graduate school. (You may have come across information about paying for graduate certificates in your graduate school program.)
Keep reading to learn the definition of certificate programs, whether you’re eligible for student loans with a certificate program, funding options for certificate programs, the pros and cons of taking out a student loan for certificate programs, and more.
What Are Certificate Programs?
Certificate programs can help you specialize in a specific trade or update your professional skills. These programs teach practical skills and training related to a specific career field — you don’t take general courses toward a degree.
Why might you want to tap into a certificate program? In addition to increasing your salary potential, you may want to get updated career training or learn about technological advancements or updates in your field.
Students who have a high school diploma or general educational development (GED) can use undergraduate certificate programs to go straight into the workforce with an entry-level position within a specific field.
Students who have already earned bachelor’s or graduate degrees may be interested in enrolling in certificate programs related to their field and level. Certificates could also give those who have already earned a bachelor’s degree an option to advance their career while avoiding graduate school altogether. (However, it’s important to distinguish the difference between a certification and a certificate. A certification usually means a stepping-stone credential that you must have for certain career paths. This article primarily discusses certificate programs, but some careers may require a certificate, even after getting a bachelor’s or graduate degree.)
Recommended: Is a Post-Grad Certificate Program Worth It?
Cost of Certificate Programs
The earning potential relative to the low cost of a certificate program can pay off. For example, consider that in the 2023-2024 academic year, students at private nonprofit four-year institutions paid $41,540 on average for tuition and fees.
Students can spend far less on a certificate program — around $5,000 per program (or more or less, depending on the type of program you choose to complete). The variations in cost depend on the college, program, and credit requirements. For example, an online program at a community college will most likely cost less than through an in-person state or private college certificate program.
Let’s take a look at a few types of certificate programs and potential earnings:
• Surgical technologists: Earn a median income of $60,370 per year as of 2023 and will see 5% job growth through 2032, according to the Bureau of Labor Statistics (BLS).
• Construction and building inspectors: Earn a median income of $67,700 per year as of 2023, according to the BLS, though it is anticipated the industry will see a 2% decline through 2032.
• Plumbers, pipefitters, and steamfitters: Earn a median income of $61,550 per year as of 2023, according to the BLS. This job is expected to experience a 2% increase in growth through 2032.
• Court reporters: Earn a $63,940 median income per year as of 2023, according to the BLS. The industry will see a 3% increase in job growth through 2032.
• Sheet metal workers: Earn a $58,780 median income per year as of 2023, according to the BLS. The industry is expected to see no increase in job growth through the year 2032.
Are Certificate Programs Eligible for Student Loans?
Yes, you can get a student loan to help you pay for a qualifying certificate program. As long as you attend an eligible school, you may qualify for a federal or private student loan to pay for a certificate program.
However, certain certificate programs may not qualify for federal student aid, depending on the nature of the certificate program. For example, if you need to take a class to boost your credentials as a criminalist in the DNA section of your state’s crime lab, you may not be able to borrow student loans to cover that class. In some cases, your employer may cover the fees for your course.
We’ll dive into the exact funding options for certificate programs below.
Funding Options for Certificate Programs
Before embarking on a certificate program, you need to figure out how you’re going to pay for it. Talk to the financial aid office at the college, university, or career school you plan to attend. Options for paying for certificate programs include:
Private Student Loans
Can you get student loans for certificate programs, or more specifically, private student loans for certificate programs? Answer: Yes!
A private student loan refers to money you borrow for educational expenses and pay back over time, with interest. You can get a private student loan to cover the cost of a certificate program. Private student loans can come from a bank, credit union, or another financial institution.
Interest rates are usually slightly higher for private student loans compared to federal student loans. Federal loans also come with borrower protections and forgiveness options. In general, it’s best to exhaust your federal student loan options prior to tapping into private student loans, if you’re eligible. The amount you can borrow depends on the cost of your degree and personal financial factors like your credit score and income.
Check out the private student loan guide for more information about student loans.
Federal Grants
You may qualify for federal grants to cover the costs of a certificate program. Federal grants are typically free money, assuming you meet the obligations.
In order to qualify for a federal grant, you must file the Free Application for Federal Student Aid (FAFSA®). The FAFSA will also verify whether your certificate program qualifies for federal student aid under the U.S. Department of Education.
You may qualify for a Pell Grant , the largest program under the Department of Education. Pell Grants are awarded to students with financial need and no prior degree. You may also be able to tap into Federal Supplemental Educational Opportunity Grants (FSEOG).
Recommended: FAFSA Grants & Other Types of Financial Aid
Federal Student Loans
Just like federal grants, you must file the FAFSA in order to qualify for federal student loans. The difference between federal grants and federal student loans is that you must repay the money you borrow for loans. You must also meet some basic eligibility criteria to qualify for federal student loans.
Undergraduate certificate students who show evidence of financial need may qualify for a Direct Subsidized Loan. Undergraduate, graduate, and professional students can qualify for a Direct Unsubsidized Loan, but eligibility is non-need-based. It’s important to discuss both of these options as well as Direct PLUS Loans for graduate or professional students with financial aid offices to determine whether you can get any one of these loans to cover the costs of your certificate program.
You must go through entrance counseling to make sure you understand your loan repayment obligations to get a federal graduate student loan or undergraduate loan, as well as sign a Master Promissory Note. The Master Promissory Note states that you agree to the terms of the loan.
Recommended: Types of Federal Student Loans
Personal Loans
It may also be possible to borrow money from a bank, credit union, or online lender in the form of a personal loan. You’ll pay back a personal loan in fixed monthly payments or installments, usually over the course of two to seven years.
Just like a student loan, a personal loan is an unsecured debt. This means that it isn’t backed by collateral. If you stop making payments, none of your assets will be seized by the lender.
Interest rates may be higher for personal loans compared to private student loans and federal student loans, however. Do your homework before selecting one option over the other.
Employer Funds
If you’re currently employed and a certification relates to your current job description, your employer may pay for a portion or all of the cost of your certificate program. Companies like Starbucks, Google, and Target all have tuition assistance programs. Many companies will offer tuition assistance for college courses and some may even cover professional certifications.
Explore your options with your human resources office or ask your supervisor for more information.
Recommended: How to Pay for a Grad Certificate Program
Pros and Cons of Taking Out Loans for Certificate Programs
What are the pros and cons of taking out loans for certificate programs? Let’s walk through a few.
Pros of Taking Out Loans for Certificate Programs
• Offers career change opportunities: You may want to branch out or change your career completely, and getting a loan for a certificate program may allow you to do so.
• Costs less than a traditional degree: A certification usually costs less than pursuing a four-year or even a two-year degree. You may quickly pay off a loan, particularly because it may take you only a few months to attain a certificate.
Cons of Taking Out Loans for Certificate Programs
• You owe money with interest: The obvious downside to taking out a loan is that you’ll owe money at the end of your program — with interest. Because a certificate program can generally be completed in a relatively short time frame, though, you may be able to repay your loan (and minimize the interest rate impact) in a short period of time.
• Choosing the right option can be complicated: You may feel as if you’re in a maze with so many different options at your disposal. It’s a good idea to reach out to a financial aid professional at the school you’ve chosen to go over all your financing options. They can also guide you through the scholarships and grant opportunities that you can obtain.
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It’s almost impossible to ignore the allure of a quick certification that can result in a lifetime of job satisfaction. Options for paying for certification include cash savings, grants, scholarships, federal student loans, and private 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.
FAQ
Can federal student loans be used for certificate programs?
Yes, in certain cases, you can get federal student loans to cover the cost of certificate programs. However, your school and program must qualify under the Department of Education rules. Talk to the financial aid office at your college or career center for more information about your eligibility for federal student loans.
Can grants and scholarships be used for certificate programs?
Yes, you can obtain grants and scholarships to cover the cost of certificate programs. Talk to the financial aid office at your college or career center for more information. Your school may offer specific scholarships, but don’t forget to check into professional organizations or local chapters for the certificate program of which you plan to enroll.
Do some companies pay for employee certifications?
Yes, many employers pay for employee certifications to help boost employee retention and put employees at the top of their field. These may differ from certificate programs, however, so make sure you understand how your career-based certification may differ from a certificate. Ask your human resources office for information about continuing education or certification training.
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Looking for ways to make money on a consistent monthly basis? Monthly service business ideas might be just what you need. A monthly service-based business is where you sell a service to clients every month, instead of selling products. For example, you might sell cleaning, bookkeeping, or meal prep services that people need regularly. The…
Looking for ways to make money on a consistent monthly basis? Monthly service business ideas might be just what you need.
A monthly service-based business is where you sell a service to clients every month, instead of selling products. For example, you might sell cleaning, bookkeeping, or meal prep services that people need regularly.
The goal is to create a steady income by getting clients who pay you every month for your service. This business model is helpful because it lets you predict your income, build long-term client relationships, and grow your business as you add more regular customers.
The best part? Many of these ideas can be started with a low amount of money and have great potential for a full-time regular monthly income or extra money.
Best Monthly Service Business Ideas To Start
Below are the best monthly service business ideas to start.
1. Virtual bookkeeping
Online bookkeeping is a great way to earn a consistent income each month. Many small businesses need help managing their finances but may not need a full-time bookkeeper.
This is where you come in. By selling your services online, you can help businesses keep track of their books from anywhere.
You can provide monthly services such as tracking income and expenses, reconciling bank statements, and preparing financial reports. This work can all be done remotely, so you can work from the comfort of your own home.
I have a few friends who sell monthly bookkeeping services to small businesses, and they all really like what they do. Plus, you don’t need a college degree to get started – this is something you can learn.
You can learn more at Online Bookkeeping Jobs: Learn How To Get Started Today.
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This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
2. Pet grooming
If you love pets, starting a pet grooming business can be a great monthly service idea. Many pet owners need regular grooming for their animals, making it a steady source of income.
You can sell services like bathing, haircuts, nail trimming, and more.
Mobile pet grooming is also an option. This involves driving to clients’ homes to groom their pets, and many people love this because it is convenient for pet owners.
I have seen many mobile pet grooming businesses at people’s homes over the years and it looks like a really helpful service to get started!
Starting this business can cost around $10,000 to $15,000 for a van and equipment (at the minimum, usually). You may be able to make a profit of $40,000 to $60,000 per year.
3. House cleaning
Starting a house cleaning business can be profitable, and many people need this done on a regular basis, so you may have the same client for years.
Many people don’t have the time or energy to clean their own homes, so they look for professionals to do it. You can sell home cleaning on a weekly, bi-weekly, or monthly basis.
You can charge by the hour, flat rate, or even per room. Many people are happy to pay for regular cleaning to keep their homes tidy. If you do a good job, you’ll likely get repeat business and new clients through referrals.
4. Personal trainer
Starting a personal training business can be a great way to earn a good monthly income. You can sell sessions in person or online, depending on what works best for you and your clients.
By setting up a monthly service, clients get a fixed number of training sessions each month. This gives you a stable income and consistent progress for them.
Think about setting a monthly fee based on the number of sessions. For example, if you charge $50 per session and offer four sessions a month, your monthly service fee would be $200.
5. Lawn care
Starting a lawn care business can be a great way to earn some extra cash with a service business idea. You can sell services like regular lawn mowing, trimming, and garden maintenance. Many homeowners are willing to pay for these services to keep their yards looking nice.
You will need some basic equipment, such as a lawn mower, trimmer, and garden tools. Depending on the size of the lawns you work on, you might also need a leaf blower or other specialized equipment.
Lawn care can be a reliable way to make money, especially when the grass is growing (like in the spring and summer). It’s also rewarding because you get to help people keep their yards looking nice.
I have paid for lawn care many times in the past, anywhere from weekly to bi-weekly landscaping services. It is a very helpful service that many households enjoy paying for (because it can be such hard and sweaty work!).
6. Pool maintenance
Starting a pool maintenance business (pools and hot tubs, actually!) can be a great monthly service business idea. Many people with pools need regular cleaning and upkeep, such as on a weekly or monthly basis. In areas where there are a lot of hot tubs and swimming pools, there is a huge demand for this service.
You can sell services like cleaning, checking the water’s chemical balance, and minor repairs.
You’ll need some basic equipment to get started. This includes a pool skimmer, pool vacuum, water testing kits, and chemicals for balancing the pool water.
Selling monthly service plans can help you earn money consistently. Customers will like the convenience, and you’ll have a set schedule to follow.
7. Tutoring
Tutoring is a great way to earn extra money every month. If you enjoy teaching and helping others, finding online tutoring jobs could be a perfect fit. You can tutor in many subjects like math, science, or even music.
Tutoring can be done online or in person. Online tutoring can many times have flexibility, and tutors teach and reach students all over the world. In-person tutoring lets you connect face-to-face and build local relationships.
You can charge different rates based on your experience and the subject. Rates usually range from $20 to $100 per hour. The harder the subject you teach, the more money you can usually make. For example, college-level subjects tend to pay more than elementary school math.
Many times, tutoring is done on a weekly basis, but there are also options for bi-weekly or even monthly tutoring.
8. Dog walking
Dog walking is a great monthly service business idea, especially for animal lovers who want to earn money while spending time with pets.
Many dog owners have busy schedules and need help making sure that their dogs get the exercise and attention they need.
As a dog walker, you can sell regular walking services (as well as pet sitting!). These services can be set up on a daily, weekly, or monthly subscription basis, which means that you can earn consistent income.
This business requires minimal startup costs – just some comfortable shoes, a leash, and a love for dogs.
You can start by offering your services to friends and neighbors, and as your reputation grows, you can expand your client base through word-of-mouth or online advertising.
My mother-in-law is a dog walker and has many consistent clients. It’s a job that looks like fun, especially if you like spending time with cute dogs.
You can learn more at 7 Best Dog Walking Apps To Make Extra Money.
9. Meal prep services
Meal prep services are an increasingly popular monthly service business, perfect for those who enjoy cooking and want to help others eat healthier and save time. Many people struggle to find the time to prepare nutritious meals during their busy weeks, so selling a meal prep service can be a really helpful solution.
You could sell meals weekly, bi-weekly, or even make frozen meals that your clients could heat up later to eat.
You can customize your services to cater to different dietary preferences, such as vegan, keto, or gluten-free, making your business more appealing to a broader range of clients.
This business can possibly be started from your home kitchen with a few basic tools, and as demand grows, you can scale up by hiring additional staff or renting a commercial kitchen.
10. Laundry services
Starting a laundry service can be a good monthly business idea. People are always in need of clean clothes, and some households don’t have the time to do laundry themselves.
By selling a laundry service, you can pick up, wash, dry, fold, and deliver clean clothes back to your clients on a regular schedule, such as weekly, bi-weekly, or monthly.
This business requires minimal startup costs, mainly involving a reliable washing machine, dryer, and transportation for pickup and delivery. As your business grows, you can expand by adding specialized services like dry cleaning, stain removal, or ironing too, so there is room for more growth.
11. Tech support
Starting a tech support business is a great idea. Many people and small businesses need help with their computers and devices. Selling a monthly tech support subscription can be a steady source of income.
You can help with troubleshooting, fixing issues, and doing regular maintenance. This means that your clients’ technology will stay in good shape, and they won’t have to worry about tech problems.
You can sell services like virus removal, software updates, and data backups. You can even help set up new devices or networks.
By selling your services monthly, your clients will always know who to call when they have a problem. Plus, it can help you build strong, long-term relationships with them.
This is a service business idea that I personally currently pay for on a monthly basis, and I have for many, many years. It’s one of the best monthly expenses I have, and I am so grateful for this service.
12. Subscription boxes
Subscription boxes are a fun and profitable way to start a monthly service-based business. You get to put together a collection of items and send them to your customers every month. These boxes can include all sorts of goodies depending on your chosen niche.
Whether it’s beauty products, snacks, books, or fitness gear, there’s a subscription box for just about every interest and hobby. As a business owner, you can create a subscription box that caters to a specific niche, allowing you to tap into a passionate customer base.
The recurring nature of subscription boxes provides a steady stream of income, with customers signing up for monthly deliveries. You can start small by assembling boxes at home and gradually scale up as demand increases.
You can learn more at How I’ve Made Over $1,000,000 With A Subscription Box Business.
13. Elder care services
Elder care services are a great business idea if you love helping others. You can provide regular check-ins for seniors to make sure that they are safe and well.
Helping with daily tasks like grocery shopping, light housekeeping, and transportation can make a big difference too. Some elderly people may find it hard to get around or complete chores.
Providing companionship is another important part of this job. Spending time with seniors, chatting, or playing games can greatly improve their quality of life.
14. Power washing
Starting a power washing business can be a great idea. You can clean driveways, sidewalks, decks, and more. It’s a service people need regularly to keep their homes looking good.
You’ll need some equipment to get started. A good pressure washer, nozzles, and hoses are important, of course.
With a power washing service, you can sell regular cleanings on a monthly or seasonal basis (sometimes longer, though – maybe every 6 months or even once a year), making sure that clients’ properties stay in top condition.
15. Window cleaning
Window cleaning is a great business idea and many businesses and homes need their windows cleaned once a month.
You can start with just a few supplies. A bucket, squeegee, and some cleaning solution are the basics, so you don’t need a lot of money to begin.
You can sell your services to both homes and businesses. Many people don’t have the time to clean their windows. That’s where you come in.
When I worked at a retail store, we would do light window cleaning. But, about once a week or once a month, we would also have a professional window cleaner come in. They would make the windows look amazing with their better equipment, and they could also do it in a fraction of the time.
Frequently Asked Questions
Starting a monthly service business can be a great way to earn a steady income. Below are commonly asked questions to help you get started and grow your own service-based business.
What are ideas for monthly service business ideas from home?
Some great ideas for monthly services you can run from home include virtual bookkeeping, online personal training, online tutoring, selling subscription boxes, SEO (search engine optimization) help for small business owners (with their blog posts), and more. These businesses don’t need a lot of space and can usually be managed with just a computer and some simple tools.
What are some monthly service business ideas for students?
Students can sell tutoring, lawn maintenance, pet walking, event planning, car washing, carpet cleaning, golf club cleaning (yes, you can even do something that specialized), and other services. These jobs are flexible and can fit around your class schedule.
What services do people always need?
People always need house cleaning, lawn care, and pet grooming. These services help manage everyday tasks and are always in demand.
How can I get more customers for my service-based business?
You can get more customers by having promotions or discounts for new clients. You can also use social media to promote your services and ask your current customers to refer others. Make sure you provide great service so happy clients will tell others about your business, as word-of-mouth is huge in monthly service-based business ideas.
Best Monthly Service Business Ideas – Summary
I hope you enjoyed this article on the best monthly service business ideas to start.
A monthly service business is great because it gives you a steady income. Since customers pay regularly, you can better predict how much money you’ll make. This helps you manage your money and plan ahead.
For example, if you sell cleaning services or meal plans, you’ll know exactly when and how much you’ll get paid. Having a reliable income makes it less stressful and lets you focus on growing your business.
The most profitable service businesses depend on the demand in your area and your expertise/skills (how fast can you do the job?). Luckily, there are probably many on the list above that you can learn (with proper training) and get started with pretty quickly.
Plus, they typically have low overhead costs so you can get started quickly and affordably!
What monthly service business idea are you interested in starting?
Mortgage rates held mostly steady during the week ending Aug. 22, as mortgage lenders rolled with the punches. The biggest hit came from revised employment numbers hinting at a weaker economy, but that was far from a knockout.
The 30-year fixed-rate mortgage rose 10 basis points, averaging 6.38%. A basis point is one one-hundredth of a percentage point. But daily movements have been mostly downward, and for the past two days, the average rate on a 30-year fixed has been more than one percentage point lower than a year prior.
Looking at the bigger picture, we’re finally starting to see the lower mortgage rates that home buyers — and plenty of refi-curious homeowners — have long been waiting for. Will one percentage point (or more) be enough to get the housing market moving?
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The difference 1% makes
Let’s see how much a slightly lower interest rate could help a hypothetical home buyer. Last year at this time, the average 30-year fixed rate was 7.33%, just under a percentage point higher than our current average of 6.38%.
A buyer who borrowed $300,000 for a 30-year fixed loan a year ago, with an interest rate of 7.33%, would be making monthly principal and interest payments of $2,063. A buyer borrowing the same amount at this week’s average of 6.38% would have monthly payments of $1,873, a savings of almost $200 per month.
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Lower rates vs. higher prices
While rates may be going down, home prices in most markets have continued to rise. In July, the median price of an existing home was $422,600, according to data released this morning by the National Association of Realtors. That’s a 4.2% increase compared to one year ago, when the median price was $405,600 — a sum that’s also nothing to sneeze at.
Do lower mortgage rates help to cancel out that cost difference? Let’s take a look. We’ll assume an 8% down payment, which was the typical first-time home buyer down payment in 2023, per NAR data. A home buyer who borrowed $373,152 — last year’s median price minus 8% — at a 7.33% interest rate would be making monthly principal and interest payments of $2,566. This year’s buyer, with an interest rate of 6.38% and a borrowed sum of $388,792 would face monthly principal and interest payments of $2,427.
This week’s lower average rate just manages to give today’s hypothetical buyer an edge, with a savings of $139 per month despite higher home prices. Lower mortgage interest rates don’t help buyers as much as lower home prices would, but every bit helps.
That’s an outlook shared by Left Coast Leaders broker/owner Amir Nurani (pictured), who cautioned brokers against advising clients that the Fed’s rate will post a dramatic immediate fall. “The Fed still has PTSD from what happened during the COVID era when they smoked rates down to nothing and made money really, really cheap,” he told … [Read more…]
“Applications were lower last week, led by a 15% decrease in refinance activity despite the 30-year fixed mortgage rate declining for the third consecutive week,” Kan said. He noted that refinance applications, though lower, were 23% higher than a month ago, and recent weeks have shown the strongest readings since 2022. FHA refinance applications, however, … [Read more…]
NAR chief economist Lawrence Yun commented on the implications of these record prices: “It’s terrific news for homeowners who are moving ahead in wealth gains. However, it’s difficult for those wanting to buy a home as the required income to qualify has roughly doubled from just a few years ago.” Price appreciation in cities In … [Read more…]