Today’s mortgage rates are quite a bit higher than the rates that hovered near 3% in late 2020 and early 2021. But they’re also quite a bit lower than the 8% (or higher) interest rates from October 2023. So, depending on when you purchased your home, you may be wondering if now is a good time to refinance.
After all, if you purchased your home when mortgage rates were at their peak last year, refinancing now could lead to meaningful savings. On the other hand, there are costs involved with a mortgage refinance related to the appraisal, application, loan origination and more. Considering these costs, how much do mortgage rates need to drop to make refinancing worth it?
Compare your mortgage refinancing options now.
How much does mortgage interest need to drop to make refinancing worth it?
“This is the million dollar question, and it’s not the same for everyone,” says Earl Dell, SVP of national retail sales and acquisitions at Mutual of Omaha Mortgage. “A lot of this goes into what your current mortgage balance is at this time, and how long you plan to stay in your home.”
For example, let’s say you owe $250,000 on your home with a 30-year mortgage at 8.35%. You could refinance your home with a new 30-year mortgage with a lower interest rate of 7.25%, but doing so comes with fees that range, on average, from 3% to 5%. If we’re assuming 3%, that would equal about $7,500 in fees.
At the current rate of 8.35%, you would pay $433,433 in interest in total over the life of your mortgage loan. However, if you refinance your home with a 30-year loan at a 7.25% interest, you would pay a total of $364,365 in interest over the life of the loan. And, after accounting for the $7,500 in fees, refinancing would result in a total savings of $61,568 in interest over the life of your mortgage.
If you have a mortgage with a higher balance and rate, a drop of 0.5% interest could be worth refinancing, according to Dell. “For a lower balance, rate and term refinance, it may be at least 1% or more to be worth your time and money,” Dell says.
It’s also important to consider how long you plan on living in the home, according to Dell.
“If you plan on moving in the next two years, I would hold off from refinancing,” he says.
Find out how much you could save by refinancing your mortgage today.
Is refinancing worth it at a higher interest rate?
If your current mortgage rate is lower than today’s rates, there may be no long-term interest savings when you refinance. However, mortgage refinancing may still be worth considering in certain cases. For example, you could refinance from a 30-year loan term to a 15-year loan term at a slightly higher rate to pay off your mortgage loan quickly. Or, you could use cash-out refinance at a slightly higher rate to pay off high-interest debt if a home equity loan isn’t an option.
Tap into your home equity with a cash-out refinance now.
The bottom line
There are numerous factors to consider before refinancing your loan — but your new mortgage rate plays a large part in whether or not it makes sense to do so. And, while a 1% drop in mortgage rates nearly always makes sense to consider, in certain cases, even a slight drop in mortgage rates could make refinancing worth it — especially if you plan to stay in your home for the long term. Before you make any decisions, though, just make sure to understand the short- and long-term implications of refinancing your mortgage loan to ensure that it’s the right move for you.
Joshua Rodriguez
Joshua Rodriguez is a personal finance and investing writer with a passion for his craft. When he’s not working, he enjoys time with his wife, two kids, three dogs and 10 ducks.
Inside: Embrace financial growth with these top money mantras. Cultivate a wealth mindset, affirm success, and transform your finances for ultimate freedom.
Money mantras have been a game-changer for me, a morning ritual as integral to my day as a cup of steaming tea.
Rather than idly scrolling through my phone or mentally compiling to-do lists, I begin each day by affirming my financial goals and inviting prosperity into my life. This practice isn’t just some esoteric tradition—it’s a targeted strategy that’s led to a tangible increase in my bank balance.
Like the steady rise of the sun, these money mantras illuminate my path toward financial well-being. Each repetition is a step towards cementing a mindset of abundance.
Remember, wealth isn’t just about cash and coins; it’s equally about cultivating the right mindset. Let me tell you, it’s not just my bank account that’s noticed the uptick—the evidence is in the confidence with which I now manage my finances.
Plus with a growth mindset, you will improve your happiness.
Now, it is time to find money mantras that resonate with you!
Top 50 Money Mantras for Your Daily Routine
1. With the power of attraction, I will bring wealth and money into my life.
2. My income is constantly increasing.
3. I gratefully accept all the wealth and abundance the world has to offer me.
4. Money allows me to live the life I want and achieve my goals easily.
5. I am grateful for what I have been blessed with.
6. Money is just a form of energy that flows to me effortlessly and abundantly.
7. Money is a tool that lets me construct my life how I see fit.
8. Large sums of money come to me easily.
9. Every action I take takes me closer to financial success.
10. I am capable of achieving all of my financial goals.
11. Money flows to me effortlessly and abundantly.
12. I am a magnet for financial success and prosperity.
13. My income exceeds my expenses every month.
14. I am worthy of a prosperous life.
15. Financial abundance is my natural state.
16. Wealth constantly flows into my life from multiple sources.
17. Every dollar I spend circulates and returns to me multiplied.
18. I handle my finances with clarity and confidence.
19. My positive energy attracts lucrative opportunities.
20. I am grateful for the wealth and abundance in my life.
21. I make wise and profitable investments.
22. My bank account grows larger every day.
23. The universe is generous with prosperity and so am I.
24. I am financially free and independent.
25. I am aligning with the energy of wealth and abundance.
26. Money comes to me now and always.
27. Making money is easy and enjoyable for me.
28. My wealth is a positive force for good in the world.
29. Financial well-being is mine to claim and enjoy.
30. I am open to receiving all the riches life offers.
31. I am constantly expanding my streams of income.
32. My actions create constant wealth, prosperity, and abundance.
33. Every financial action I take increases my net worth.
34. I am deserving of financial success and security.
35. Money is a tool that enhances my freedom and choices.
36. My financial goals are achievable and realistic.
37. I am in control of my financial destiny.
38. Prosperity flows to and through me.
39. I release all resistance to attracting money.
40. I trust my ability to generate wealth.
41. I attract financial mentors who guide me to abundance.
42. I use money to improve my life and the lives of others.
43. I am empowered to create the prosperity I desire.
44. I am the architect of my financial future.
45. I am worthy of financial abundance and security.
46. Gratitude and generosity are at the heart of my financial affairs.
47. I am surrounded by abundance.
48. My prosperity is unlimited, and my potential is endless.
49. Every action brings me closer to financial freedom.
50. I am an excellent steward of my finances.
How to Integrate Your Money Mantra Chant Into Your Routine
Okay, now you must solidify your money mantra in your life.
Choosing to internalize and act upon these mantras requires discipline, but it is essential for their success.
Each small step taken is progress—whether it’s saving a small portion of your earnings, investing wisely, or learning new skills to increase your earning potential.
Here are some actionable ideas to integrate your money statements into your day-to-day:
Write down your chosen money mantras daily in a journal to solidify their presence in your thoughts.
Customize your phone’s wallpaper.
Use post-it notes on your mirror to keep your money mantras in constant sight.
Place your money mantras on the wall when you roll out of bed.
Keep your money mantra written on a slip of paper inside your wallet.
Put your money mantras all over as your vision board quotes.
Create real-life scenarios where you can live out your money mantras, like calmly budgeting over coffee or tackling financial to-do’s with confidence.
Post your money statement on your social media accounts including X (formerly known as Twitter).
Regularly reflect on your current beliefs, decide what needs to change, and persistently work to align your actions with your new mantra.
Recite your mantras aloud every day, be it during your morning routine or as part of your wellness practices, to constantly reaffirm your financial goals.
You want to be a money magnet as you are manifesting your goals.
The act of doing reinforces belief, and belief paired with action is an unbeatable combination. So select your mantras, make them visible, speak them aloud, and, most importantly, take consistent action toward your financial goals.
How Mantras Can Shift Your Money Mindset
Money mantras have the potential to significantly transform your financial mindset by embedding positivity and empowering beliefs about your interactions with money.
By consistently repeating these money affirmations, you reprogram your subconscious to prioritize healthy financial behaviors and decision-making.
With a mantra such as “I handle money easily and well,” you start creating instances to demonstrate this new belief in action, which serve as evidence to support the mantra.
Whether it’s as simple as calmly reviewing your budget or taking steps to reduce expenses, these actions reinforce the powerful narrative of financial competence.
As you confront and override old, limiting money beliefs, your new mantra gradually becomes second nature, profoundly influencing your approach to money management and fostering a culture of financial literacy within your family.
Integrating Mantras Into Your Financial Strategy
By repeating affirmations such as “I am financially savvy” during routine activities, you rewire your brain to adopt a more positive money mindset and proactive stance toward money management. Instead of focusing on “I am broke.”
For example, when reviewing your bank statements or setting up a savings account, declaring “I am a wealth builder” can transform the experience from mundane to motivational.
Furthermore, concrete actions back up these mantras; intentionally selecting cost-effective options at the grocery store becomes a manifestation of the mantra “I make smart money choices.”
Over time, these repeated positive affirmations, paired with deliberate financial actions, will reinforce a healthier money mindset and can lead to more informed and empowering financial decisions.
What is the best mantra for money?
The absolute best money mantra is one that resonates deeply with your personal financial aspirations and current challenges.
It should be a concise, yet powerful declaration that addresses your core limiting beliefs and transforms them into positive affirmations.
For example, if you’ve historically felt powerless over financial matters, a mantra like “I am in control of my finances and make wise decisions with ease” can be both empowering and personally significant. This is a small step to becoming financially sound.
FAQ About Money Mantras
In my experience, money mantras have proven to be an effective tool in shifting financial mindsets and attracting prosperity. Particularly to increase my liquid net worth.
By declaring intentions like “My income is constantly increasing,” I’ve witnessed the law of attraction work in my favor, with unexpected income sources materializing following my persistent use of these mantras. This practice has not only improved my financial outlook but also reinforced my belief in the power of positive affirmation to create real-world results.
For effective results, financial affirmations should be integrated into your daily routine, ideally twice a day.
Repeat your positive financial statements in the morning can set a constructive tone for your day
An evening repetition aids in reinforcing your goals before sleep.
Consistency is key, and it is often recommended to maintain this practice for at least 21 consecutive days to notice a significant impact on your financial mindset. This habitual action can help to create a powerful shift towards a more positive and proactive approach to your financial goals.
What are your money mantras?
In conclusion, adopting a set of money mantras is an empowering way to reshape your financial narrative and manifest a more prosperous future if you prefer to be financially independent.
These affirmations serve not only as daily reminders of your financial aspirations but also act as a mental reset to overcome deep-seated negative beliefs about money. It is important to take intentional action to reinforce these mantras, thereby transforming them from words on a page to lived truths.
Remember, your mantras are not quick fixes but foundational statements that require commitment and effort to bring about real change.
By steadfastly walking the path of positive financial practices, you will eventually embody the essence of your affirmations—a money-savvy individual who knows that abundance is within reach.
Your financial future is not solely determined by external circumstances; it is shaped by the mindset you cultivate and the actions you take every single day.
Now, make sure you have solid financial goals to go with your mantras.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
The professional and business services sector contributed strongly to January’s labor market growth, adding 74,000 jobs, with employment in health care rising by 70,000 and retail trade tacking on 45,000 jobs. The news marks a further indication of the US economy’s resilience amid high interest rates and an uncertain economic outlook, with job gains for … [Read more…]
Molly Armando closed 25 real estate deals in the last 12 months, and she hasn’t even hit her two-year mark in the industry! On today’s podcast, Molly shares the steps it took to start a successful real estate business and her plans to scale it moving forward. Shelby and Molly also discuss the marketing side of real estate, including why agents may not want to focus on just one strategy. Other topics touched on include real estate referrals, time blocking, and communicating with clients.
Listen to today’s show and learn:
What Molly Armando did before real estate [2:03
The steps it takes to get a real estate business started [6:38]
Ways to win business as a new Realtor [11:44]
Getting the most out of a real estate CRM [16:17]
Why real estate agents must time block [18:48]
How to mitigate interruptions when working other tasks [24:35]
Why communication is key in real estate [26:53]
What to expect when creating real estate content [29:37]
The keys to starting out successfully in real estate [32:44]
Molly’s contract-to-close process [32:59]
Molly Armando’s plans and goals for the future [35:51]
The importance of asking for referrals with every transaction [36:50]
The Real Estate Rockstars Mastermind and Tom Ferry events [37:57]
Where to find and follow Molly Armando [39:16]
Molly Armando
Molly Armando was born and raised in Dartmouth, Massachusetts and has stayed in love with the state’s Southcoast area ever since. As “The Southcoast Realtor” with Residential Properties Ltd., Rhode Island’s largest and most successful independent real estate company, clients rely on her native knowledge and unwavering commitment. Her year-to-date sales numbers have reached $12,011,065 with $3,100,500 pending as of October 2023, earning her a place as the #6 individual agent at Residential Properties out of 245, putting her in the top 3% of the company. She began her professional life at various digital marketing software companies, building a top-to-bottom approach to client success. Her background in business and digital advertising makes her an expert in marketing trends and sales strategy at its most cutting-edge. These capabilities serve only one purpose – to get results for her buyers and sellers. She lives by a simple yet powerful motto: “My goal is to help you reach yours.”
She is a leader throughout the Southcoast and deeply committed to giving back to her community. Residing with her family in South Dartmouth, Molly is recognized as the visionary behind the town’s annual Padanaram Buoy Tree, drawing visitors from all over New England. The Buoy Tree is made up of over 600 decorated buoys with 50 of the best entries auctioned off for local charities. This unique event has received wide acclaim and publicity, highlighted in publications such as The Boston Globe. She is also the founder of both the Dartmouth Mom’s Group and the Padanaram Community Coalition. Her professional memberships include the National Association of Realtors® (NAR), the Massachusetts Association of Realtors® (MAR), and the Realtors® Association of Southeastern Massachusetts (RASEM).
Related Links and Resources:
It might go without saying, but I’m going to say it anyway: We really value listeners like you. We’re constantly working to improve the show, so why not leave us a review? If you love the content and can’t stand the thought of missing the nuggets our Rockstar guests share every week, please subscribe; it’ll get you instant access to our latest episodes and is the best way to support your favorite real estate podcast. Have questions? Suggestions? Want to say hi? Shoot me a message via Twitter, Instagram, Facebook, or Email.
Louisville, like the nation, continues to see rising single-family home prices amid low inventory.
Rising interest rates in 2023 sidelined many potential homebuyers and provided little appetite to potential home sellers sitting on much lower interest rates.
Median home prices rose 3.6% last year in the greater Louisville area over 2022, according to the Greater Louisville Association of Realtors. New listings were down 10% and closed sales were down 15%.
“Brutal,” Mike Frank, a senior mortgage broker at Homestretch Mortgage in Louisville, said of 2023. “That was my worst year in the business last year. That’s because everybody was scared because the market turned so fast and rates were at 8%.”
it was likely done raising interest rates after more than a year of hikes meant to slow inflation. It also signaled three rate cuts could be coming in 2024.
Lowering this rate is expected to lead to lower mortgage rates, which hit a 23-year high in October 2023 at nearly 7.8%.
the typical down payment for first-time (8%) and repeat (19%) buyers, according to the National Association of Realtors), a 30-year mortgage with a 7% interest rate would mean monthly payments of about $1,600 (not including homeowner’s insurance or property taxes). Drop the interest rate to 6% and the payment falls to about $1,440.
“It going to get people off of the fence,” Frank said of potential home buyers. “I don’t think (the rates) are gonna go too much lower, but at least it’s gonna get people to go, ‘Ok, maybe this is the time.'”
More homes should hit the market and be sold. But will it balance the market?
Last year marked the worst year on record for home sales in the United States since 1995, according to the National Association of Realtors.
In the greater Louisville area, December 2023 marked the 24th consecutive month of year-over-year declines in existing home sales. Real estate agents compare months year-over-year instead of month-to-month because of seasonal trends in real estate.
Redfin. Nearly 60% have a rate below 4%.
“How do you convince those people that this is a great time to move?” he said.
He anticipates the more rates drop toward the rates that homeowners currently have, the more likely they’ll be to take the rising equity they have in their home and go shopping for a new one.
“If we can close the gap that we have between rates that homeowners got a few years ago versus current market rates, that could help push a few more homes into the market,” he said.
2024 will still be a seller’s market
An imbalance of buyers and available homes has made for a persistent seller’s market, a trend local real estate agents don’t see changing any time soon.
Those in the real estate industry consider three to six months of supply (how long it would take for the existing supply of homes on the market to sell at the current sales pace) to be a “balanced” market favorable to both buyers and sellers.
traced back to the Great Recession when many homebuilders went out of business and those that remained didn’t resume building at previous rates.
Even with a projected drop in interest rates, DeWalt said she’s not anticipating the frenzy of the 2020 and 2021 housing market that saw intense bidding wars and the waiving of contingencies, such as home inspections.
“I don’t see it being as crazy like that this coming year, even with more buyers coming on because of the interest rates,” she said. “They’re not gonna drop that low.”
national Realtors association, in a recent news release. “If price increases continue at the current pace, the country could accelerate into haves and have-nots.”
What does this mean for the real estate market in 2024?
Schuler said he anticipates 2024 will “be a more normal year of what real estate used to be like pre-pandemic,” with its most challenging aspect being expectation management for both buyers and sellers.
“From a home seller standpoint, they’ll need to understand … their property will not sell within three hours,” he said. “All they’ve heard for the past three to four years and all they’ve seen on social media and then the news are homes selling for above asking price, multiple offers, waiving any and every contingency. Whereas now that’s not the case.”
Buyers, meanwhile, may feel buoyed by news of interest rates dropping, but they’re still up against a challenging inventory issue.
“From a home buyer standpoint, they’re still gonna have to understand the fact that inventory levels continue to be historically low,” he said. “So if you have your list of everything you want and need in a home, you’re going to have to be understanding that you probably won’t get all of those items, and chances are you still will be paying 98% of the listing price.”
Even if rates fall, Schuler and Frank encouraged prospective home buyers to analyze their budget and focus on what a potential monthly payment would be.
“We instruct our clients that you live in your payment,” he said. “So try not to just focus so much on the price of the home or the rate. Let’s just look at the monthly payment. Can you comfortably live with this monthly payment? Yes or no?”
Different loan programs have varying parameters that will shape a monthly payment, Frank said, yet another consideration for people as they weigh entering the market.
“We would be naive to think that the rate doesn’t matter because it does,” Frank said. “But there are other factors that really come into play.”
Growth & development reporter Matthew Glowicki can be reached at [email protected], 502-582-4000 or on Twitter @mattglo.
At the outset of 2024 the housing market appeared ready to put last year’s unpredictability and stress behind it, with mortgage rates dropping from their 8% peak last October to the upper 6.7% range in early January and some industry watchers predicting lower prices. But now rates are picking back up, reaching nearly 7% as of Monday. And several housing forecasters have also made changes to their home price predictions, which now look as if they’ll continue to rise this year.
Indeed, Moody’s Analytics chief economist Mark Zandi tells Fortune that in December 2022 he had expected national home prices to decline by 2% by December 2023. Instead, prices grew 5%.
“The stronger-than-anticipated house prices is due to the severe lack of supply of homes for sale, as the lock-in effect on existing homeowners was more significant and persistent than anticipated,” he says. “Life events, such as death, divorce, children, or job change, should cause people to move, but people have delayed their moves as they have a mortgage with a much lower rate than existing rates, and moving would be too costly.”
Ultimately, mortgage rates and home prices have continued to lock many first-time homebuyers out of the market, and that will continue to be a problem, he says.
“For the two-thirds of Americans who own their home, the higher prices mean a massive increase in their wealth,” he posted on X (formerly Twitter) on Sunday. “But of course, this is a massive problem for potential first-time homebuyers. Given the collapse in affordability, buying a home is not even remotely possible.”
The housing inventory problem
Although recent reports by the U.S. Census Bureau show that new housing starts and completions are on the rise, the U.S. is still in the throes of a major housing deficit. Indeed, Moody’s Analytics estimates in a report published Friday that there is still a total housing deficit of 1.5 million to 2 million units in the U.S.
“One good year of ‘excessive’ supply was only in its relative term when compared with affordability-constrained demand,” Moody’s Analytics analysts Nick Villa, Christopher Rosin, and Lu Chen wrote in the report. “There is a long way to go before solving the chronical housing shortage.”
Although more than 1 million housing units were built each of the past two years, “there is still a significant shortfall in single-family housing stock due to years of underbuilding since the Global Financial Crisis,” they add. Privately owned housing starts in December 2023 were at a seasonally adjusted annual rate of 1.46 million, which is 4.3% below the revised November estimate, but 7.6% higher than the December 2022 rate, according to the U.S. Census Bureau.
Although housing starts were up year over year, there were still only 3.2 months of housing supply by the end of 2023, according to the National Association of Realtors. That’s “well below” the six months’ supply that “many economists equate with a balanced housing market, underscoring how a multiyear recovery process still lies ahead,” Villa, Rosin, and Chen wrote in the Moody’s report.
While there is still a major shortfall, Zandi says, the market is going to have to shift eventually.
“I do expect people with changing life circumstances will ultimately need to move, creating more inventory and putting downward pressure on prices, but that didn’t happen in 2023,” he notes.
Zandi, along with other economists and housing advocates, says that the key to solving the housing affordability crisis in the U.S. is to increase housing supply. Zandi suggests expanding the low-income housing tax credit to also include affordable single family homes for homeownership.
“This would provide single family homebuilders a meaningful tax incentive to put up more homes at price points that potential first-time homebuyers could afford,” he says.
Moody’s Analytics colleagues also said that fixing the housing shortage would require a “joint effort and creativity” from both the private and public sector, according to the report.
“Of course, there is no slam-dunk policy step that will solve the problem quickly,” Zandi says. “It would take a multifaceted and persistent policy response to do that.”
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Looking for the best jobs for single moms? Being a single mom can be hard because you have to manage both your job and taking care of your kids. There are not many hours in a day, so it’s probably important to you to find a job that pays you a good income and lets…
Looking for the best jobs for single moms?
Being a single mom can be hard because you have to manage both your job and taking care of your kids. There are not many hours in a day, so it’s probably important to you to find a job that pays you a good income and lets you take care of your children.
The good news is that nowadays, there are many stay at home jobs for moms. This means you don’t have to follow a strict 9-to-5 schedule, making it easier to balance work and family. There are also many in-person jobs that allow you to have a better schedule to match your children’s schedule (such as when they are in school!).
Whatever you may be looking for, there are many flexible jobs for single moms. Continue reading below to learn more!
Best Jobs for Single Moms
Below is a quick summary of some of the best jobs for single moms.
Bookkeeper – You can organize the finances for businesses and have flexible working hours. With quick training, entry-level bookkeeping jobs might start at around $20 per hour, but with experience, you could earn a lot more.
Blogger – Bloggers get to work from home and make their own schedule, which is great for anyone, including single moms.
Teacher – Teaching probably aligns well with your child’s school schedule. Whether full-time, substitute, or part-time, teaching can be a good choice.
Virtual Assistant – This job involves helping businesses with tasks online, and you can typically make your own schedule.
Childcare provider – If you enjoy taking care of children, providing childcare for others while watching your own can, at the same time, be a way to earn money.
Below, you can learn about each of these, as well as many more of the best jobs for single moms.
1. Blogger
Blogging is one of the best jobs for single moms, and this is because you can work from home, make your own flexible schedule, and be your own boss; these are all reasons why I think it’s one of the best jobs for single moms who stay at home.
Plus, to start, you don’t need a lot of stuff – just a computer and internet.
I do this myself while taking care of my daughter, Marlowe. Blogging lets me travel whenever I want, make my own work schedule, earn good money, write about topics I like, and I really enjoy having a blogging business.
I started Making Sense of Cents in 2011, and since then, I’ve earned over $5,000,000 with my blog. When I began, I didn’t know it would become one of the best jobs for stay-at-home moms. Now, blogging lets me have a flexible schedule and spend lots of time with my daughter. It’s been a great way to balance work and family for me.
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
In this free course, you will learn:
Why you should start a blog today
How to decide what you should write about
How to create a blog (this will go over the actual step-by-step process)
How to make income from your blog
How to get people to read your blog
And more!
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Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
2. Day care (and bring your kid)
Finding a job that lets you bring your child along can save you childcare costs and watching other people’s kids is one way to do it.
You could start your own day care or find a job at a day care.
If you want to start a home day care, then you will want to check your state’s rules for home day cares, such as if you need a license. You’ll also need a safe space for children, as well as toys and games.
You could also try to find a job at a day care in your local area. Many day care centers allow you to bring your child, or they will give you a discounted rate to have your child attend the day care as well while you work.
Another option is to become a nanny or babysitter for a family that allows you to have your child there as well.
Starting a day care, working in one, or becoming a nanny/babysitter can be a win-win. You earn money and don’t worry about finding someone to watch your kid. Plus, your child gets to play and learn with other children.
Recommended reading: How to Make Money on Maternity Leave: 27 Real Ways
3. Sell printables
Selling printables is a great work-from-home business idea for single moms. This is because you can do this while your kids are sleeping or at school and earn passive income too!
Printables are digital files that people buy, download, and print themselves. These can include planners, calendars, wall art, grocery shopping checklists, weekly meal plans that someone puts on their fridge, and educational worksheets for kids.
You can sell your printables on websites like Etsy. This is a way to make money from home because you only need to make one digital file for each product, and you can sell it many times. You don’t have to print or send anything to your customers. You make the digital file; your customer buys it, downloads it, and takes care of the rest.
I recommend reading about this further at How I Make Money Selling Printables On Etsy to learn more about one of the best jobs for stay-at-home moms.
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.
4. Virtual assistant
As a single mom, you may be looking for a job that fits into your schedule. Working as a virtual assistant (VA) could be your answer, as you get to work from home and choose hours that work for you.
I’ve worked as a virtual assistant before, and I also have virtual assistants who help me with my business. Many parents have told me that a virtual assistant job is one of the best jobs for stay-at-home moms because it’s very flexible, and I agree!
A VA is someone who works from home as an assistant for someone else. Nowadays, many businesses can be operated from home, so it makes sense that an assistant can also work from home.
A virtual assistant can do tasks like managing social media accounts, formatting and editing content, scheduling appointments, handling travel plans, managing emails, and overseeing Facebook groups, among other things.
You can learn more at How Kayla Earns $10,000 Each Month From Home as a Virtual Assistant.
5. Freelance writer
If you’re a single mom looking for a job you can do from home, freelance writing might be a good fit for you. It’s a job where you write articles, blog posts, and sometimes even books for money. You don’t have to work in an office; you can write from anywhere, even your own kitchen table.
I have been a freelance writer for years, and it can be a great career choice for someone who wants to work from home.
When you’re just starting as a freelance writer, you might begin by writing articles that pay around $50 each or even more. However, the amount of money you can earn can vary a lot. You may be able to earn around $50,000 a year, and I know several freelance writers who are moms who make over $200,000 per year.
Many people are searching for freelance writers, and this job has a lot of opportunities for growth. It could be a great career to begin with.
Learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).
6. Book author
If you love telling stories or sharing your knowledge, writing books could be an ideal job for you as a single mom. You get to create your own schedule and work from anywhere, even your home. Writing can be done at times that fit your schedule best, such as when your kids are at school or asleep.
For publishing your book, there are two options:
Traditional Publishing – You submit your manuscript to publishers. If a publisher likes your work, they will print, distribute, and market your book for you. In return, you’ll earn royalties from sales.
Self-Publishing – Platforms like Amazon Kindle Direct Publishing allow you to publish your book yourself. You control every aspect and get a higher percentage of the sales, but you also handle marketing and distribution.
The amount of money that you can make as a book author can vary by a lot. As a first-time author, getting published can be challenging, and earning substantial income takes time. If you self-publish and your book becomes popular, you could make a significant amount. But, this isn’t guaranteed.
Recommended reading: How Alyssa is making $200 a DAY in book sales passively
7. Graphic designer
Graphic design is a creative job that involves making artwork and visual designs. You might create designs for websites (like logos), advertisements, or printed materials like brochures and magazines.
Your work helps companies communicate with their customers through eye-catching and effective visuals.
This can be a great job for single mothers, as you may be able to find a work-from-home job as a graphic designer, or even start your own business where you can make your own flexible schedule.
Recommended reading: How To Make Money As A Digital Designer
8. Social media manager
Becoming a social media manager can be a great fit for single moms looking for remote work jobs.
Social media managers are in charge of social media accounts for businesses or people. Their job is to post on social media, reply to comments, and keep everyone interested.
This can include TikTok, Instagram, Pinterest, Facebook, X (formally known as Twitter), and more.
I have been a social media manager for companies, and it’s a great job that allows you to have a flexible schedule. That means you can work when it suits you – such as when the kids are at school or asleep.
9. Real estate agent
If you’re a single mom looking to balance work and family, becoming a real estate agent might be a great fit. As a real estate agent, you help people buy and sell homes.
To be a real estate agent, you just need a high school diploma and a license.
In 2021, the average pay for this job was $23.45 per hour, which is about $48,770 per year. But, there are many real estate agents who earn much more than this.
10. Proofreader
Proofreaders read documents and check for spelling, grammar, and punctuation errors, and they make sure everything is perfect before it gets printed or published online. They review books, articles, blog posts, social media content, newsletters, advertisements, and more.
If you want flexible work hours, proofreading is a good choice. Depending on your experience and the job’s complexity, you can earn between $20 and $50 per hour and more.
As a single mom, this job lets you balance work with looking after your kids. You can usually set your own schedule and work from home, which can make life a little easier.
You can read more at How To Become A Proofreader And Work From Anywhere.
There is also a FREE 76-minute workshop where you will learn more about how to become a proofreader with Proofread Anywhere. You can sign up for free here.
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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
11. Bookkeeper
If you’re a single mom, becoming a bookkeeper might be a good option for you. Bookkeepers manage money records for businesses by keeping track of all the money that comes in and goes out.
If you work as an online bookkeeper, you could make about $40,000 or more per year. Typically, this involves managing finances for around 12 to 16 clients.
Being an online bookkeeper is great because you don’t need to be an accountant or have any prior experience. Also, virtual bookkeeping is a service that many people are looking for, so there’s a demand for it.
Recommended reading: Online Bookkeeping Jobs: Learn How To Get Started Today
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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.
12. Transcriptionist
As a transcriptionist, your job is to listen to audio or video files and type out what you hear into text. This is a task that you can do from home, making it a good option if you’re a single mom looking for flexible work.
One of the biggest benefits of this job is flexibility. You can usually choose when and how much you want to work (such as when your kids are sleeping or when they are at school). This can make balancing work and family much easier.
You need to be able to type quickly and accurately and attention to detail is important because you need to catch every single word.
Recommended reading: 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.
13. Customer service representative
Customer service representatives help people by answering questions and solving problems on the phone or online, which means they can sometimes work from home.
On average, customer service representatives earn around $35,868 a year as an average salary. This will change depending on where you work and how much experience you have.
Some large companies like Apple, Progressive, U.S. Bank, American Express, and U-Haul hire customer service representatives who can work from home. This means you can do the job from the comfort of your own house.
14. Data entry clerk
Data entry clerks enter information into databases or spreadsheets. They type things like numbers and names into computers to keep everything organized and make sure records are correct.
Jobs in data entry usually pay about $15 to $20 per hour.
Recommended reading: 15 Places To Find Data Entry Jobs From Home
15. Dog walker or pet sitter
If you’re a single mom looking for a job that fits around your schedule, you may want to look into becoming a dog walker or pet sitter. This type of job lets you choose when you work, which is great for making sure you have time for your kids.
As a dog walker, you walk dogs for people who are busy or away from home. You might take them around the neighborhood or to a park. If you’re a pet sitter, you take care of pets while their owners are out of town or at work.
The money you make can vary. Some jobs might pay you each day, like $15 to $25 an hour or a flat rate per day like $75. How much you make could depend on how many pets you care for and how long you spend with them.
Rover is a great company that you can sign up with in order to become a dog walker and pet sitter.
16. BabyQuip
If you’re a mom looking for a flexible side hustle, BabyQuip might be worth looking into. It’s a service where you can rent out baby gear like strollers and car seats to traveling parents – starting is simple: apply online, and BabyQuip will guide you through the process.
As a mom after all, you probably already have a lot of baby gear that you can rent out to make money with.
With BabyQuip, you make money by renting out items you already own or plan to invest in for rentals. Because parents travel, the demand for clean and safe baby gear is always there.
People using BabyQuip can make about $1,000 a month on average, and some even earn more than $10,000 each month.
On BabyQuip, you can rent items like cribs, strollers, car seats, high chairs, toys, bouncers, books, hiking packs, and many other things.
17. Teacher
As a single mom, teaching can be a great career for you. As a teacher, you typically work while your children are in school as well, after all.
Most teaching jobs follow a traditional school year calendar. This means you usually have summers off, along with school holidays, which can help you spend time with your kids.
18. Doula
If you’re a single mom looking for a job, you may want to become a doula. A doula supports women during childbirth, but your work can also extend to helping moms after the baby is born.
They are there to give comfort, encouragement, and knowledge during the pregnancy journey, labor, and the postpartum period.
19. Tutor
If you’re looking for part-time jobs for single moms, then tutoring may be an option to look into.
If you’re a single mom who knows a lot about a specific subject like math, science, or a language, becoming an online tutor could be a smart choice. You can schedule sessions around your life and help students learn. You pick when you work, which is perfect when you have kids at home. You might teach early mornings, afternoons, or even nights.
You will need a quiet place to work, a computer, and a good internet connection.
Income as a tutor ranges, and you may be able to earn $20+ an hour. And, if you specialize in something more advanced, like SAT prep or college courses, you could make more, even up to $50 per hour or more.
20. Photographer
As a single mom, becoming a photographer can be a rewarding job choice for you. With a camera and some practice, you can start taking photos that people will enjoy.
To begin, you need a decent camera. Don’t worry, it doesn’t have to be the most expensive one. You also need to learn about lighting and how to frame a good picture. There are lots of free tutorials online, such as on YouTube, if you want to learn more.
One of the best parts about photography is that you can make your own schedule. You decide when to book photo shoots, which can be great for balancing time with your kids. It’s possible to do photo shoots on weekends or during special events like weddings.
You can earn money by selling your photos online or by working with clients directly. Graduations, weddings, family portraits, and even pet photos can be great opportunities. Pricing varies depending on the job, but as you gain experience, you can charge more for your work.
As you grow, you can invest in better equipment and editing software to enhance the quality of your photos. This helps you stand out and can lead to more jobs and higher pay.
I know many moms who are successful photographers, and they love having a photography business.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
21. Instacart shopper
If you’re a single mom looking for a job that fits around your schedule, becoming an Instacart shopper might be a good choice. Instacart is a service that lets people order groceries online, and shoppers like you do the shopping and deliver the orders to their homes.
When you’re an Instacart shopper, you can set your own hours. This means you can work when it’s best for you, like when your kids are at school or sleeping. As a shopper, you get a payment card from Instacart to buy the groceries at the store.
Shoppers usually earn about $11 to $20 per hour. It’s important to remember that as an independent contractor, you will have extra costs like gas and vehicle maintenance that you need to think about when figuring out your earnings.
You can learn more at Instacart Shopper Review: How much do Instacart Shoppers earn?
22. Paralegal
As a single mom, you might find the role of a paralegal interesting. It’s a job where you work in a law firm or legal department, helping lawyers by preparing legal documents and doing research.
Your typical work hours are most likely Monday to Friday, fitting well with a school-week schedule.
Paralegals earn around $30,000 to $35,000 a year.
23. Dental assistant
As a single mom, if you’re looking for a job that lets you help people and have regular hours, you might like being a dental assistant. In this job, you work in a dentist’s office and help the dentist with patients.
Your tasks could include getting the tools ready, making sure patients are comfortable, and teaching them how to care for their teeth.
Your week would be busy, but you usually wouldn’t have to work nights or weekends. This is great because it matches up with your kids’ school schedule.
24. Travel agent
As a single mom, you may find that being a travel agent is a job that fits well with your life. It’s a job where you get to plan and book trips for others. You could work from home or an office.
Travel agents plan vacations, business trips, and getaways for clients and they find the best deals on flights, hotels, and fun activities.
The money you earn can vary because some agents get paid hourly and others get a commission, which is a part of the trip cost.
25. Nurse
As a single mom, you might worry about balancing work with taking care of your kids. As a nurse, there are jobs that can fit your life.
Some examples include:
School nurse – You can work the same hours your kids are in school. You’ll care for sick children, keep track of health records, and help with health checks.
Doctor’s office nurse – Working here can be less stressful. Usually, the hours are regular, Monday to Friday, so you can be home with your kids in the evenings and on weekends.
Home health care nurse – You’ll visit patients in their homes, which can give you a flexible schedule.
Public health clinics – These places look after the community’s health. Hours can be more regular, meaning you won’t have to do lots of night shifts.
Nurse educator – If you love teaching, this lets you work in a classroom instead of a hospital. You’ll have a steady schedule, perfect for family time.
26. Speech pathologist
A speech pathologist helps people with speech and language issues. You would work to improve their communication skills, which can be very rewarding.
You need a master’s degree in speech-language pathology and certifications vary by state.
Your work may take place in schools, hospitals, or private clinics. Some speech pathologists work from home providing virtual sessions.
27. Sleep consultant
Sleep is really important for the growth and well-being of babies, and it’s important for parents too. But sometimes, parents find it hard to make sure their child gets the sleep they need.
Pediatric sleep consultants are very helpful in solving children’s sleep problems, making it easier for families to have peaceful nights. If you really enjoy working with kids and want to make a positive difference in their lives, becoming a sleep coach could be a great career option.
I have personally learned from sleep consultants in the past, and I know many others who have hired a sleep consultant as well. These are typically moms who have firsthand experience with improving a baby’s sleep.
Learn more at How To Become A Sleep Consultant And Make $10,000 Each Month.
28. Run a dog treat bakery
If you enjoy cooking, starting a home bakery could be a way to make money from home. It allows you to use your cooking skills to create dog treats and earn some income.
You can make dog treats, cupcakes, cookies, cakes, and more.
Starting a dog treat bakery business could potentially help you earn an extra $500 to $1,000 a month or even more. It’s a niche small business idea that taps into the love people have for their pets.
I also recommend reading How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).
Frequently Asked Questions
Below are answers to common questions about how to find jobs for single moms.
What should a single mom do to handle financial stress?
I get it – as a single mom, you may have a lot of financial stress. It is hard to be a single mom and manage everything all on your own after all. To manage financial stress, I recommend trying to find jobs that pay well but also have flexible hours or work hours that match up with your children’s school schedule. Jobs that allow you to work remotely can also help lower your childcare expenses as you can work from home.
How to work as a single mom without help or childcare?
If you don’t have help or childcare, then you may want to work during hours when your kids are at school or asleep. This may include looking for jobs or employers who understand your situation and have flexible schedules or the ability to work from home.
What are the best work from home jobs for single moms?
I think one of the best ways for a single mom to make money is to work from home. This is because you may be able to make your own schedule, and you may be able to find a job that allows you to take care of your kids at the same time.
The best work-from-home jobs include jobs like virtual assistants, freelance writers, and bloggers.
What are jobs for single moms without a degree?
Jobs for single moms without a degree include administrative support, customer service positions, and sales roles as these jobs usually give on-the-job training.
How can a single mom go back to college and what degrees are best?
You can go back to college by looking for online degree programs, or classes when your children are at school, that fit your schedule. Popular degrees that balance well with being a single mom could be in fields like education, business, or healthcare, which have the potential for career growth.
Best Jobs for Single Moms – Summary
I hope you enjoyed this article on how to find the best jobs for single moms.
Whether you are looking for full-time or part-time jobs for single moms, there are many options that may fit what you need.
As you probably noticed above, jobs for single moms vary and include different types of work. Some jobs are creative, like writing or graphic design, while others are more regular, such as customer service or bookkeeping.
If you enjoy telling stories and writing, you could be a blogger or a freelance writer. If you’re good with organizing and numbers, you might like being a virtual assistant or a bookkeeper.
If you prefer doing your own thing, you could start a home day care or sell printables online.
As you can see, this is a long list of the best jobs for single mothers! There are many different job ideas that you could try that have a good work-life balance.
What do you think are the best jobs for single parents?
It’s no secret that interest rates are high. Though that may be good news for savers, it’s a harsh reality if you’re in the market for a new home. After all, high mortgage rates result in high mortgage payments. And, every quarter of a point of mortgage interest could represent thousands of dollars over the life of the loan.
Today’s high interest rates are the result of the Federal Reserve’s work to temper inflation. But with inflation cooling, many experts predict that lower interest rates are on the horizon — a beacon of hope for homebuyers.
But when will mortgage rates start to fall? Will they drop below 5% in 2024? And is it even worth waiting for lower rates to buy a home? Here’s what you need to know.
Don’t wait. Learn more about your mortgage options today.
Will mortgage rates drop to 5% in 2024?
Current 30-year mortgage rates are averaging well over 7%. If it seems like it wasn’t long ago that rates were hovering below 3%, that’s because it wasn’t. Although sub-3% mortgage rates are likely a long way off, what are the chances that rates will fall to 5% in 2024?
Rates are currently high because the Federal Reserve has used increases in the federal funds rate target to combat inflation. That target sets the foundation for interest rates on loans.
The good news is that inflation is cooling, and many experts expect interest rates to move in a downward direction in 2024. Then again, a two-point drop would be significant, and even if rates fall, they’re not likely to get down to 5% within the next year.
After all, the Federal Reserve typically moves slowly when it comes to monetary policy changes. The central bank doesn’t want to shock the market by making moves too quickly.
Why you shouldn’t wait for 5% mortgage rates to buy a home
“Regardless of what the Fed does with respect to rates, I would never advise prospective homebuyers to try to time the market or trajectory of mortgage rates,” says Bob Driscoll, SVP and director of residential lending at Rockland Trust Bank. “Instead, they should focus on the factors they can control, such as the timing that works best for them in their unique financial and life circumstances and the values they are seeking in a home. Assessing these factors will result in a much higher pay-off emotionally for homebuyers in 2024.”
Here are a few other reasons why waiting for mortgage rates to drop could be a mistake:
Find out how affordable a mortgage loan can be now.
You could be waiting for quite a while
As noted, the Federal Reserve typically moves slowly when they make monetary policy changes. As a result, if rates do fall to 5%, it will likely take at least a couple of years to happen, barring some drastic, unexpected economic changes.
Ultimately, chances are you won’t be able to wait too long when it’s time to shop for a new home. You may need to move for a new job or because your lease is ending, or any number of other factors that might come into play. The simple fact is that you may not be able to wait the years it could take for mortgage rates to fall back to, or below, 5%.
Competition may get tougher
The housing market is a competitive one, but it’s not nearly as competitive as it was when interest rates were lower. After all, as interest rates rise, potential buyers leave the market. That means when interest rates fall, more buyers will likely enter the market.
When more buyers enter the market, it will be harder for you to make your offer stand out among the competition. Moreover, the law of supply and demand dictates that prices must rise alongside demand unless growth in supply keeps up — which isn’t likely in the housing market. So, if you wait too long, competition could drive prices higher.
You’re not building equity as you wait
If you don’t own your home, you’re probably renting. After all, you need to live somewhere. But there’s an inherent problem with renting. When you rent your home, you make monthly rent payments, but you don’t build a single dime in equity. As soon as the month is over, the value of your rent payment, at least to you, is spent.
Even if you purchase a home while mortgage interest rates are high, you’ll be building equity in your home with each mortgage payment. That’s equity you can fall back on in the future if times get tough.
Get on track to building equity by finding the right mortgage loan now.
The bottom line
Mortgage rates aren’t likely to fall to 5% any time soon, and waiting for them to do so could be a big mistake. Instead, consider buying a home now and taking advantage of a market with less competition. Then, when interest rates fall to a level you’re comfortable with for the long term, refinance your mortgage to take advantage of lower rates.
Joshua Rodriguez
Joshua Rodriguez is a personal finance and investing writer with a passion for his craft. When he’s not working, he enjoys time with his wife, two kids, three dogs and 10 ducks.
Are you looking for the best jobs for pregnant women? Pregnancy is a special and exciting time for moms-to-be, and you may be looking for ways to make money during this time period. Finding the perfect job when you’re pregnant can be a scary feeling, but it doesn’t have to be. The key is to…
Are you looking for the best jobs for pregnant women?
Pregnancy is a special and exciting time for moms-to-be, and you may be looking for ways to make money during this time period.
Finding the perfect job when you’re pregnant can be a scary feeling, but it doesn’t have to be. The key is to focus on looking for opportunities that suit your skill set, level of experience, and physical limitations during pregnancy.
For me, when I was pregnant not too long ago, I really loved being able to work from home. It made life so much easier, and the flexible hours helped greatly for when I wasn’t feeling up to it.
A good starting point could be looking for work-from-home positions or freelance opportunities that allow for more flexible schedules and the possibility of working at your own pace from the comfort of your home.
Recommended reading:
Best Jobs for Pregnant Women
There are 16 ways for pregnant women to make money listed below. If you want to skip the list, here are some jobs that you may want to start learning more about first:
Below are the top jobs for pregnant women.
1. Blogger
Blogging is exactly what I do for a living, and it is how I made money while pregnant as well.
Being a blogger means writing blog posts for people on the internet, just like with this blog post that you are currently reading.
You can write about things you like, such as money, travel, lifestyle, or family. Plus, you get to choose how you make money from your blog – there are lots of ways, like display ads or affiliate marketing.
Blogging is how I earn most of my money, and it has totally transformed my life. I can travel whenever I want, make my own schedule, be my own boss, and spend the whole day with my daughter. Plus, having flexible work hours helped me a ton while pregnant as I was able to choose my working hours.
Learn more at How To Start A Blog FREE Course.
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Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
2. Freelance writer
Similar to blogging, freelance writing gives pregnant women the opportunity to showcase their writing skills while working remotely. This job allows you to work on various writing projects, such as articles and ebooks.
Freelance writers create articles, website content, social media posts, or even ebooks for different people or companies.
I have worked as a freelance writer for many years. It’s a great career because you can work from home and set your own schedule, like writing only when you’re feeling good during your pregnancy or while your baby is napping.
Recommended reading: 14 Places To Find Freelance Writing Jobs For Beginners
3. Tutor
An online tutor gives academic support to students via video chat or messaging platforms. It’s a good option for pregnant women as it is flexible and can be done from the comfort of your own home.
Helping students with their studies can be a good way to earn money while pregnant. There are lots of ways to tutor from home, and you can make your own schedule and decide how much or how little you want to work.
Recommended reading: 11 Best Places To Find Online Tutoring Jobs (Make $100+ an hour)
4. Sell printables on Etsy
If you have a knack for design, you can create and sell printables on Etsy. This is a great work-from-home option for pregnant women who are creative and enjoy designing digital products.
Printables are digital products you can download and print at home, like checklists for grocery shopping, planners for your budget, invitations for weddings, printable wall art, and more.
I recommend signing up for Free Workshop: How To Earn Money Selling Printables. This free training will give you ideas on what to sell online, how to get started, and how to make printable sales.
Recommended reading: 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.
5. Virtual assistant
Virtual assistants give administrative support to clients (like an administrative assistant!), including managing emails, organizing calendars, arranging travel (such as booking hotel stays and rental cars), and scheduling appointments.
With the flexibility to set your work hours, this online job is perfect for pregnant women.
I have been a virtual assistant in the past, and I currently have a virtual assistant. It is a much needed job that just continues to become more and more in demand.
Recommended reading: Best Ways To Find Virtual Assistant Jobs
6. Transcriptionist
In this job, you convert audio files into written text. As a transcriptionist, you can work from home with flexible hours, making it one of the good jobs for pregnant women to work from home because you can work as much or as little as you want.
Transcription jobs are flexible, and you can do them right from home.
As an online transcriptionist, your job is to listen to audio or video recordings and write down exactly what is being said. The aim is to do it without making mistakes in spelling, grammar, or punctuation.
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
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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.
7. Answer online surveys
If you are looking for easy jobs while pregnant, then I recommend answering online surveys.
There is no set schedule, and you can do these while watching TV or in bed. No, you won’t get rich (nor will it be a full-time job), but it can give you a little extra spending money.
The survey companies I recommend for extra cash include:
Survey Junkie
Swagbucks
Branded Surveys
PrizeRebel
American Consumer Opinion
User Interviews – These are the highest-paying surveys with the average being around $60. I have personally done one of these, and I was paid $400 for an hour of my time.
Recommended reading: 18 Best Paid Survey Sites To Make $100+ Per Month
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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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Branded Surveys is one of the most popular survey sites that rewards you in cash and gift cards for sharing your opinion. You can get paid anywhere from $0.50 to $5.00 per survey.
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American Consumer Opinion allows you to express your opinions on products and services through surveys and product testing. You can earn $1 to $5 per survey taken.
8. Proofreader
If you’re good at noticing small details, you could offer your services as a proofreader or editor for various kinds of content. This means checking and fixing mistakes in writing.
People such as writers and business owners hire proofreaders and editors to make their work better.
I personally have a proofreader, and I know many, many others who have proofreaders as well. It is an in-demand job that you can do while pregnant at home.
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)
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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
9. Bookkeeper
If you’re good with numbers, you might try selling bookkeeping services online or for small businesses, either as a freelancer or part-time.
Bookkeepers are people who handle financial tasks for businesses and this includes keeping track of sales, managing expenses, and creating financial reports.
Plus, you do not need a bachelor’s degree to get started.
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
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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.
10. Sell Canva templates
A Canva template is a ready-made design that you can sell for things like social media graphics, ebooks, and presentations.
Businesses, advertising professionals, social media influencers, and more buy Canva templates because it’s a helpful starting point if you’re not great at designing from scratch. These templates have blank spaces where you can add your own words and pictures. You can also change colors and fonts to fit your preferences.
They’re really useful for making things look good without spending a long time on it.
And, this is where you can come in.
You can design templates and sell them to others to use.
With Canva templates, you can sell a single design an unlimited amount of times. If you’re looking for something passive, this is a great way to learn how to make money while pregnant.
Recommended reading: How I Make $2,000+ Monthly Selling Canva Templates
11. Data entry clerk
Data entry clerks input, update, and double-check information in lists or tables, typing things like numbers and names to keep everything neat and organized.
On average, data entry jobs pay around $15 to $20 per hour.
All you need is an internet connection and a reliable computer to get started too.
This is a low-stress work-from-home job that is good for pregnant women.
12. Write book reviews
Book reviewers read books and get paid to share their opinions in book reviews. There are websites that pay you (and sometimes give you a free book) to talk about what you think of the books.
Some companies that pay for book reviews include Online Book Club, Kirkus Reviews, and BookBrowse.
So, if you find yourself reading a lot of books while pregnant, this can be a great place to start to make extra money.
Recommended reading: 16 Best Ways To Get Paid To Read Books
13. Graphic designer
If you have design skills, you can make money while pregnant by creating logos, website designs, brochures, business cards, marketing materials, and more for clients as an independent contractor.
This is a job that you can do as a freelancer, which means you can make your own schedule and work as much or as little as you would like.
Recommended reading: How To Make Money As A Digital Designer
14. Social media manager
Social media managers and online community managers take care of a business’s social media accounts and online communities (such as forums) with the goal of bringing in new customers and helping the business grow.
They may post pictures or videos to highlight products or the company, and they might join in on popular social media trends, like on TikTok, to get more people to see them.
Social media managers also answer common questions that customers ask, such as on Twitter, in an Instagram Story, or in a TikTok video.
15. Search engine evaluator
A search engine evaluator, also called a Google Rater, is someone who gives ratings to websites based on how good and helpful they are.
This online typing job is perfect for beginners because you don’t need any experience to begin, and you don’t have to be an expert because Google prefers regular people to rate their sites.
Learn more at How To Become a Search Engine Evaluator.
16. 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.
For example, you may sell clothing, appliances, household goods, and more as a flipper.
You may be able to earn extra money by flipping items for resale or possibly earn a full-time income!
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.
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This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
Frequently Asked Questions
Below are answers to common questions about finding a job while pregnant.
Should I say I’m pregnant at a job interview? What are the rights of pregnant employees?
Legally, most employers cannot discriminate against you based on pregnancy, childbirth, or related medical conditions, as established in the Pregnancy Discrimination Act. However, you might wonder if you should disclose your pregnancy during an interview. Ultimately, it’s your decision. If you believe the job is a good fit for you and your pregnancy, you can choose to discuss it after receiving a job offer to determine the necessary accommodations.
It’s usually within your rights to only disclose your pregnancy when you feel comfortable doing so. You should prioritize your health and the needs of you and your child, and focus on finding a job that supports your situation.
What job should I get while pregnant?
When looking for a job while pregnant, you may want to look for jobs that are not physically demanding and have a flexible work schedule. Some job options for pregnant women include becoming a virtual assistant, freelance writer, or proofreader.
What are suitable jobs for women with high-risk pregnancies?
For women with high-risk pregnancies, it’s important to choose jobs that don’t have exposure to harmful chemicals or require heavy lifting. Remote jobs such as online tutoring, social media management, or bookkeeping are ideal in this situation, but you should always ask your doctor to see which jobs are best for your specific situation.
How can a pregnant woman earn money from home? What are the best remote jobs for pregnant moms?
I think working from home is the best possible job idea for pregnant women, and it’s exactly what I did while pregnant! Pregnant women can earn money from home by taking on remote work or freelancing positions. Some options include proofreading, virtual assistance, freelance writing, bookkeeping, and online tutoring.
Are there jobs available for women in their third trimester of pregnancy?
Yes, there are jobs for women in their third trimester of pregnancy. Remote jobs or freelancing in fields like writing, proofreading, or bookkeeping can be suitable during the third trimester, along with many others!
Can you start a job at 7 months pregnant?
The Pregnancy Discrimination Act of 1978 says that companies with 15 or more employees can’t make job decisions based on pregnancy or childbirth. As long as you can do the job, a company cannot refuse to hire you just because you’re pregnant. So, if you are 7 months pregnant and need a job, you can get one.
What jobs can you not do while pregnant?
Jobs that you may want to avoid while pregnant include those that involve exposure to toxic chemicals or heavy lifting. Also, some roles with high stress or long hours may not be suitable for some pregnant women. I highly recommend talking with your doctor about which jobs are safe for you during your pregnancy if you have questions.
Can I use FMLA while pregnant?
The Family and Medical Leave Act (FMLA) allows qualified employees to take up to 12 weeks off from work without pay for certain family and health reasons, like being pregnant.
Is it OK to not work while pregnant?
Yes, it is okay not to work while you are pregnant. If you can afford it, then saving money ahead of time can be very helpful.
Best Jobs for Pregnant Women – Summary
I hope you enjoyed this article on the best jobs for pregnant women.
Whether you are looking for permanent or temporary jobs while pregnant, you have many options.
If you are wondering what is the best job for a pregnant woman, then the list above is a great place to start. Everyone is different, and everyone’s pregnancies are different – so, you will want to think about what you are comfortable doing as well as what you can physically and mentally handle.
For me, I was so nauseous and sick for the first several months that it was too hard for me to do pretty much anything. Working online was all that I could handle, and even then, that was difficult.
So, do not feel bad if you are not able to handle much. Pregnancy is hard! You are growing a baby and that takes a lot out of a person.
I hope you are able to find the best job for you.
What do you think are the best jobs for pregnant women?
Recommended reading: How To Take Maternity Leave When Self-Employed
Are you longing for more beyond your current circumstances? To be more? To do more? To have more? Today’s guest, Dianna Kokoszka, helped countless Realtors become more while serving as the CEO of Keller Williams’ MAPS coaching program. And now, she’s striving to help more people, including listeners like you, reach their true potential. Listen and learn how Dianna took MAPS coaching from a program that was losing money to one that generated over $500 million per year by transforming real estate agents’ lives for the better. Dianna also shares several can’t-miss tips from her upcoming book, Becoming More: You Can’t Get to Better Until You Get to Different. Don’t miss it!
Listen to today’s show and learn:
Dianna Kokoszka’s first year in real estate: 104 homes sold [2:22]
The beginning of buyer’s agents [4:56]
How wrong things can go when you don’t watch your money [6:33]
Transforming KW MAPS Coaching into a $500 million business [8:42]
The power of the right mindset [9:52]
Advice on turning a failing business into a huge success [11:33]
Breaking out of your mental cage [15:00]
The difference between attitude and mindset [16:10]
The seven mindsets of limitation and the seven of liberation [17:22]
What dictates the decisions you make [19:38]
Bringing out the best in your people [23:51]
KW MAPS success stories [27:06]
The steps for scaling a real estate business [32:21]
Training your brain for success [37:21]
Learning from the leaders of thought [39:01]
What Blockbuster, RadioShack, and Sears taught us [40:43]
Get to better by getting to different [42:18]
Mentorship and adding value [42:35]
Where to find and follow Dianna Kokoszka [44:19]
Dianna Kokoszka
As CEO of Mega Achievement Productivity Systems (KW MAPS Coaching), Dianna Kokoszka was responsible for building the most powerful coaching and mastermind program in the industry. She led a team of more than 35 coaches, who provided coaching programs tailor-made to help their clients.
In 2009, Dianna created the BOLD (Business Objective: Life by Design) program, which instantly took hold and transformed the careers and beliefs about what was possible for thousands of real estate professionals.
Passionately committed to providing a high level of motivation and accountability to her clients, Dianna has over 30 years of real estate experience. Formerly as team leader of the Keller Williams Realty Denver-West Market Center, she pioneered documentation and accountability systems for real estate agents, helping others to draw upon her prior success as a mega agent.
Her entrepreneurial spirit and industry renown have resulted in many industry honors and awards, including the Stevie Award for the Best Sales Coaching Program; an appointment to the President of the United States’ Business Advisory Council; Denver Entrepreneur of the Year in 1984 and 1991; and Denver Businesswoman of the Year in 1986, 2003 and 2004.
Kokoszka’s tenacity and ingenious methods have not only brought her press coverage, they’ve brought her big business. She believes we are all creative, resourceful and whole. May we empower others to actively engage and participate in their own evolving transformations.
She is a founding member of the John Maxwell Team of Certified Coaches, an author of 19 system books for real estate offices, and loves to add value to others.
Dianna is the author to her new book Becoming More – published with the John Maxwell Publishing Company.
Despite her impressive achievements, Dianna believes that her greatest titles are wife, mother, and grandmother. She lives with her husband, Tony DiCello, on Lake Travis in Lakeway TX, where she loves to waterski or sit on the dock and read her Bible. She enjoys a good clean joke, traveling, reading, and spending her time with her 3 boys and 4 grandchildren.
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