Clearly, being a parent is a full-time job in itself. And if you’re a single parent, it’s like working overtime, 24/7. Of course, no matter how busy you are with your kids, bills still need to be paid, which is where the best jobs for moms with no degree come in! Keep reading to learn more.

Not having a college degree is not a deal breaker

Working to support your children is a common stress factor for almost all parents. Particularly, if you don’t have a degree, you may worry about what this will mean for your career opportunities, your earning power, and your ability to support your family.

But no matter what you’ve heard, there are plenty of career opportunities that don’t require a college degree. Even if you’re a mom without a degree, you can still make a good living to support your family.

It’s possible to juggle work with childcare

Clearly, trying to find a good work-life balance is hard for everyone. Notably, it’s a particular challenge for women since we often take on more childcare responsibilities than men.

In fact, the Sydney Morning Herald reports that women do an extra hour a day of chores and child care than men do!

Unfortunately, this challenge of work-life balance is further compounded if you’re a single mom. But don’t worry, this list includes the best jobs for single moms with no degree!

Above all, it’s important to remember to not put pressure on yourself to be perfect. Instead, remind yourself that you can find a way to make things work for you—even if you have just a high school diploma.

That said, let’s get into these best jobs for moms.

15 best jobs for moms with no degree

College isn’t for everyone—and that’s okay. Whether you haven’t gone yet or never plan on going, there are plenty of ways to make a living without having a college degree.

These are the best jobs for moms with no degree:

1. Childcare provider

Average salary: $30,000/year

A childcare provider takes care of children—and there are many different ways to do this. For example, you can work for an agency, work as a nanny for a specific family, or even turn your own home into a daycare center.

However, bear in mind that doing so may require obtaining specific licenses depending on which state you live in.

Most importantly, childcare providers often have opportunities to receive discounted child care for their own children, which is a huge win.

Requirements:

• Love for taking care of children
• Licenses if opening own daycare center

2. Customer service representative

Average salary: $39,000/year

Above all, a customer service representative acts as the direct point of contact between customers and a company.

Specifically, you are responsible for helping answer all their questions about a product or service via phone, email, or chat.

Requirements:

• If working from home, will need a strong Internet connection
• Ability to multi-task

3. Sales associate

Average salary: $60,000/year

One of the perks of working in sales is that you can work in almost any industry, e.g., insurance, real estate, medical devices, cars, etc. Moreover, the sky really is the limit when it comes to how much you can earn each month.

Many sales associates work on a combination of a wage and a commission, which means that if you’re good at what you do, then you can really bring home the big bucks!

Requirements:

• Strong communication skills
• Some employers may require sales associate certifications

4. Hairstylist

Average salary: $29,000/year

A hairstylist can shampoo, cut, dye, and style hair. Like many jobs that require no degree, there is a lot of variability in a hair stylist’s salary.

For example, while you may start out at a low salary, with experience, you can end up working at very high-end salons where clients pay three or four figures for haircuts and coloring.

Requirements:

• Haircutting and styling skills
• May require a state cosmetology license

5. Fitness Instructor

Average salary: $46,000/year

In general, a fitness instructor is someone who provides physical training, either in a class setting or one-on-one.

More specifically, a fitness instructor can teach yoga, pilates, weight lifting, aerobics, and basically any kind of physical exercise.

Usually, fitness instructors work for gyms or fitness centers, but you can also start your own business and work as a freelancer.

Starting a business offers a lot of options, so any job that allows you to do that is one of the best jobs for moms with no degree.

Requirements:

• Physical fitness skills
• Relevant certifications

6. Interpreter

Average salary: $57,000/year

First, it’s important to understand that an interpreter is different than a translator. A translator usually translates written texts, which then must be notarized if they’re legal documents.

Conversely, an interpreter translates information out loud in real time. In addition to other places, you may work at a hospital or in a government or education facility.

Requirements:

• Fluency in language(s) other than English
• May require a certification

7. Social media manager

Average salary: $71,000/year

A social media manager must plan, develop, and execute a marketing strategy across different social media platforms. You can work for an agency, just one company, or for yourself as a freelancer. With our go-go-go society and the fast-growing number of social media users, knowing how to use social media effectively is a skill that’s in high demand.

As a freelancer, you can work with almost anyone, including local small businesses and individuals.

Requirements:

• Tech and pop culture savvy
• Familiarity with different social media platforms

8. Graphic designer

Average salary: $49,000/year

Graphic designers combine art and technology to create visuals. Once you start thinking about it, you’ll see the work of graphic designers everywhere!

For example, graphic designers create brochures, logos, advertisements, social media graphics, eBook and book covers, etc. Like many creative jobs that don’t require a degree, you can work for an agency, a company, or for yourself as a freelancer, making this one of the best jobs for moms.

Requirements:

• Technology and design skills
• Special (and often expensive) design software, e.g., Photoshop, InDesign, etc.

9. Writer

Average salary: $59,000/year

If it’s something you’ve read on the Internet, chances are, a writer wrote it. Just think of all those blogs, articles, newsletters, ebooks, and other written content that you see every day… someone has to write it!

Best of all, as a professional writer, you can work with companies to produce content in almost any category, from lifestyle to cooking, fashion, health, tech, etc.

Requirements:

• Writing savvy
• Research skills
• Grammar know-how

10. Photographer

Average salary: $76,000/year

Traditionally, people imagine photographers being hired to work at weddings or take family portraits. But today, the opportunities for photographers are near limitless!

For example, you can work with bloggers, journalists, event planners, fashion designers, and many others. Usually, photographers work as freelancers, so this is also a great side hustle to consider alongside your day job.

And any job that’s a side hustle is among the best jobs for moms with no degree because of how easy it is to make money and have a flexible schedule.

Requirements:

• Photography equipment
• Editing software
• Photography skills

11. Bookkeeper

Average salary: $44,000/year

Basically, a bookkeeper is responsible for monitoring a company’s cash flow. For example, this can mean keeping track of transactions, preserving copies of receipts, etc. As a bookkeeper, you can work directly for a company or start your own business as a freelancer.

Here’s a tip: When it comes to being a freelancer, think local! All businesses need a bookkeeper—and that includes your local, small, mom-and-pop shops.

Requirements:

• Bookkeeping skills (can learn from online courses)
• Attention to detail

12. Data entry clerk

Average salary: $41,000/year

A data entry clerk adds and updates data information in databases. Additionally, you may also be responsible for other clerical activities, like compiling and sourcing data.

Requirements:

• Fast typing skills
• Attention to detail
• May need certain computer programs, e.g., Microsoft

13. Transcriptionist

Average salary: $49,000/year

A transcriptionist listens to audio recordings and transcribes the information, usually into a word processing program, like Word. These are called transcriptions. It’s worth noting that transcriptionists are most often in demand in the medical industry.

Plus, like many other jobs that don’t require a degree, you can choose to work for an agency, for a specific company, or for yourself as a freelancer.

Requirements:

• Fast typing skills
• Attention to detail
• May need to purchase special transcribing equipment

14. Virtual assistant

Average salary: $51,000/year

The virtual assistant market is experiencing rapid growth—and it’s only expected to continue. For this reason, becoming a virtual assistant is one of the best jobs for organized moms with no degrees.

As a virtual assistant, you provide administrative support. For example, typical duties include phone and email management, note-taking, customer service, data collection, event planning, etc.

Of course, these duties will vary depending on your specific employer and whether you work for an agency, one company, or as a freelancer.

Requirements:

• Strong multi-tasking, organizational, and time-management skills
• Basic computer skills

15. Proofreader

Average salary: $58,000/year

Proofreaders are the last set of eyes on text before it gets published. They make sure that everything is grammatically correct, free from errors, properly formatted, etc.

Proofreading is a great job option for moms who love to read. It can also be a good side hustle for stay-at-home moms who are looking to support their families.

Traditionally, proofreaders work in-housing for publishing companies. But with the rise of self-publishing, there are more opportunities for proofreaders to work as freelancers for independent authors.

Requirements:

• Excellent grammar
• Word processing software

16. Shopper

Average salary: The national average is $18.95/hour, though it varies. (Instacart shopper)

Average salary: $33,000/year (personal shopper)

You can work full-time as a personal shopper, and out of the best jobs for moms with no degree, it’s one of the more fun and versatile careers.

For example, you may work as a personal shopper and help clients choose outfits, shoes, and other items like furniture.

Or you can work with a service like Instacart. Essentially, people place their orders online and you are responsible for going to the store, picking up the items, and delivering them to the client. Usually, these orders are for groceries.

Unfortunately, being a shopper gives you little control over how often you can work, so you can’t predict how much you’ll make in a single day. But if you’re looking for a part-time gig, this could be a great option among the best jobs for moms.

Requirements:

• Reliable transportation
• Driver’s license

Finding flexibility in your career as a single mom

Undoubtedly, work-life balance is a challenge for everyone—but you’re playing on an expert level when you’re a single mom.

In fact, according to Harvard Business Review (HBR), “Single mothers who lived alone with their children were more likely than mothers in multi-adult households to say that their work productivity had decreased as a result of their care responsibilities (57% to 47%).”

If you are a single mom struggling with work-life balance, finding flexibility in your work can help make things more manageable.

Additionally, having the option to decide to work from home makes things a lot easier—especially if you can control your own hours and make your own schedule.

A short list of the best jobs for single moms with no degree

Out of the above job options, these are the best jobs for single moms with no degrees who want a flexible schedule:

• Child care provider
• Customer service representative
• Social media manager
• Graphic designer
• Freelance writer
• Bookkeeper
• Data entry clerk
• Transcriptionist
• Virtual Assistant

Expert tip: Look for job opportunities that require professional credentials vs a college degree

Even if you don’t plan on attending college, it’s still a smart idea to continue your education to increase your earning potential. One way to do this (even if you only have a high school diploma) is by pursuing professional certifications.

For example, if you want to become a social media manager, you can bolster your resume with online credentials, such as the Certificate in Social Media from Georgetown University or the SMM Certificate from Cornell University.

While no certificate can guarantee you a job, it can help improve your resume and open the door to new job opportunities.

How do single mothers survive financially?

Life as a single mom definitely comes with certain struggles—especially dealing with living as a one-income household. For this reason, to survive financially, it’s important for single moms to pay close attention to their income and spending.

Start by creating a single-mom budget. If you’re struggling with tracking your money, try using different budgeting tools, budgeting templates, or budget challenges to help you stay focused on your goals.

What career is best for a single mom?

There’s no one best career for everyone. But as a general rule of thumb, the best careers for single moms are ones that offer a lot of flexibility.

On the other hand, the most flexible jobs are often freelancing careers or independent contracting gigs. While these can be great jobs for moms, they also mean you don’t have a steady paycheck every month—or work-sponsored healthcare.

For this reason, more secure but flexible careers for single moms could include being: a sales associate, a customer service representative, a social media manager, or a bookkeeper.

What job has the most flexible hours?

When you’re a do-it-all working mom, flexibility is important—and that goes for your job, too. Some of the jobs with the most flexible hours include being: a customer service representative, a fitness instructor, a graphic designer, a writer, or a virtual assistant.

Plus, if you decide to start your own business, then you can create your own hours and work when you want.

Articles related to the best jobs for moms

If you enjoyed this article on the best jobs for moms with no degree, check out this related content!

• The 30 Best Jobs For Stay At Home Moms
• 8 Ways To Create A Winning Single Mom Budget
• How To Afford Being A Stay At Home Mom
• 16 High Income Skills Without A Degree Needed!
• Making Time For Your Finances As A Working Mom

You don’t need a degree to support your family!

You can certainly find flexible, stable work that will help you support your family—even if you don’t have a degree. There are plenty of resources out there to help you get started in your search for the best jobs for moms.

So start thinking about ways to save money as a mom and be sure to learn how to make a great budget. Finally, check out our list of more jobs that pay well even if you don’t have a degree.

The post The 16 Best Jobs For Moms With No Degree appeared first on Clever Girl Finance.

If you are seeking jobs for stay at home moms, it is completely possible to find the right fit. As a mom, you are already juggling a wide range of responsibilities, and the last thing that you want to do is commute to a job on top of everything else that’s causing you stress. That’s where finding the right job as a stay at home mom can help. Keep reading!

The best part about working from home as a mom is that there are dozens of jobs to choose from. With some determination, you can find a job that will suit your schedule and your income needs. That means  you can stay home with your kids while earning an income and minimize any mom struggles with your finances. 

In this article, I’ll be going some of the best jobs for moms. You might be surprised at the variety of options available! 

Jobs for stay at home moms: 30 Best ideas 

If you are looking for a stay at home mom job to earn extra money, look no further. We have curated a list of jobs that might be a good fit for you. 

As you peruse this list of the best jobs for stay at home moms, consider the income potential and the time commitments involved. If you see something that grabs your interest, then do some more research to find out more about the opportunity. 

Here is a list of our favorite stay at home mom jobs! (p.s. These jobs are applicable to all stay-at-home parents) 

1. Freelance writer 

Average pay:  $65,000 per year 

As a freelance writer, you have the ability to earn an amazing income.  Personally, I make more than the average income each year as a writer. And I know many writers that completely blow that number out of the water.

Another benefit of this job is having control over your time, with the ability to work from anywhere. You get to make your own schedule, which is one of my favorite things about this job! 

Freelance writer job details 

A freelance writer can write about various subjects for many different people. You can take on odd jobs that you find on sites like UpWork, or you can choose to send your resume to hiring managers and interview as you normally would for a job. 

The best part about this option is that there are minimal start-up costs. If you have an internet connection and good typing skills, you can start freelance writing today. 

If you are interested in becoming a freelance writer, then check out our step-by-step guide. 

2. Virtual assistant 

Average pay: $75,000 per year 

If you have basic computer skills, you could be a successful virtual assistant. As a virtual assistant, you’ll be able to set your own hours and choose your hourly rate. As you gain more experience, you can work your way up to command a higher hourly rate. 

Virtual assistant job details 

As a virtual assistant, you can answer emails, make phone calls, act as a travel consultant, create schedules, and more for your clients. 

Virtual assistant jobs are great for moms who are highly organized and love to cross things off their to-do lists. To find your first job, seek out opportunities on sites like FlexJobs. 

3. Online ESL tutoring 

Average pay: $10-$20 per hour (depending on experience) 

If you have a love for teaching children, then teaching English online could be a good fit. Each company has its own set of rules for its teachers.

For example, some companies will require that you have a college degree but others do not. 

ESL tutor job details 

For this job, you’ll teach your students how to communicate in the English language. Check out companies like VIPKid and Teach Away to get started. 

P.S. We also have a list of great side hustles for teachers. 

4. Proofreader 

Median pay: $28 per hour

If you have a great eye for grammar, then you might be a perfect online proofreader. Since proofreading is another job that you can do on your own time, it’s something I’d recommend as a good fit for stay at home moms.

Sometimes, you may have to negotiate your hourly rate with clients and give examples of previous projects you have worked on.  

Proofreader job details 

A proofreader checks written work for errors, like grammar and spelling. Typically, this is the last stage of editing. 

If you want to try this out, I highly recommend checking out Proofread Anywhere. It is a great resource for becoming a freelance proofreader. 

5. Start a blog 

Average pay: $45,000 per year 

Building a successful blog is not an easy task. Although it can be demanding, it can also be very profitable, and you can pick a niche you love writing about. 

The income potential of a blogger is essentially unlimited. But you’ll need to be willing to put in hours of hard work before seeing the fruits of your labor.

There are a lot of variables when it comes to earning money as a blogger. You can make much more by using affiliate marketing links, selling your own products, or running ads. 

Blogging job details 

If you aren’t sure where to get started, then check out our step-by-step guide on how to become a blogger. You could get your own site up and running today and start writing your blog posts! 

The great thing is you can make this a part-time or full-time job depending on how big you want your blog to become. It’s another one of the best jobs for stay at home moms. 

6. Social media manager 

Average pay: $70,000 yearly 

Almost every business today has social media accounts that need maintenance. That’s where you can step in. You will create social media posts, engage with the audience, and more. 

If you have the skills to manage a social media presence effectively, many business owners are willing to pay you. 

Social media manager job details 

As you get started, you might want to familiarize yourself with various social media platforms.

For instance, Facebook, Instagram, Pinterest, Twitter, etc. 

Hootsuite advises that you get experience and network to get jobs. 

Make sure you are comfortable before you start selling your skills as a service. It’s one of the best stay at home mom jobs for those who enjoy social media. 

7. Data entry clerk 

Average pay: $15 per hour 

Data entry is fairly straightforward. You add data and information to the correct digital location. But many are willing to pay someone else to tackle this often tedious task. 

You can start earning money quickly without needing to get a lot of additional training, making it a top job for stay at home moms.  

Data entry job details 

If you are detail-oriented and willing to deal with data, you can find many opportunities as a data entry specialist.

However, you’ll need to be careful to avoid the massive amount of scams. 

But there are also a number of places to find legitimate work if you are patient. It can be one of the most flexible jobs, which is a huge bonus. 

8. Resume writer 

Average pay: $82,000 per year 

Being a resume writer can be one of the best jobs for work-life balance, as the hours are flexible. People at all stages of life need help with their resumes. 

Fresh graduates and those looking for better opportunities and career success will jump at the chance to polish their resumes. You can help them craft a resume that will stand out from the crowd. 

Earning money as a resume writer can be fairly lucrative because you can take on as many resumes as you want to write. 

Resume writer job details 

Start by building a portfolio of resumes by helping family and friends. Once you have a few success stories under your belt, you can command a higher rate. 

9. Graphic designer 

Average pay: $60,000 annually  

If you have a creative spark and computer skills, then graphic design is a perfect job. With the right skill set, many business owners would be ready and willing to hire you. 

Graphic design is one of the most lucrative and creative jobs, but you’ll need to build a portfolio before you can enjoy such a high rate.  

Graphic design job details 

If you want help getting started, check out the Graphic Design Bootcamp. You could sell your designs on sites like  Zazzle. 

10. Sell crafts 

Average pay: variable  

If you love crafting, why not make a business out of it? You can sell your crafts on Etsy and other platforms for a profit. It may surprise you what people will pay for a handcrafted item. 

Although you may find that crafting comes easily, not everyone is so lucky. You can help people create special gifts and memories while doing what you love. 

It’s actually pretty difficult to say what the typical pay is for this job because there is no typical pay! The amounts you can make on Etsy, for example, are quite varied. While there will be some startup costs, you will have unlimited income potential. 

Crafting job details 

Selling crafts is one of the best jobs, in my opinion! You’ll need crafting skills, obviously, a creative idea, and a place to sell your items. Many people opt for Etsy, but you could also try others like Handmade Amazon or Cratejoy. 

Check out our list of top money-making crafts you can do at home! 

11. Website designer 

Average pay: $53,000 a year 

In today’s world, most businesses need a website.

However, not all business owners are prepared to build their own. With your help, they can create a beautiful website. Teaching web design and creating a course to sell can earn you more than the average salary.  

Website designer job details 

Of course, you’ll need to learn more about the setup of a website before getting started. But this can be a very lucrative job. 

When you’ve acquired all the skills you’ll need, Skillcrush advises that you create a striking portfolio of work and then apply to jobs. 

12. Sell photos 

Average pay: $37,000 per year 

If you love taking pictures, then consider selling your photography. You could sell prints, conduct photo sessions, or photograph events. 

Photographers can easily make thousands of dollars for a single event.

For example, many wedding photographers are able to charge several thousand dollars for a single evening. 

Photographer job details 

To begin with this career, you may want to take courses and then spend time building your portfolio and website before looking for jobs. 

With the right skills and an investment in solid equipment, you could earn a great living as a photographer.

However, you’ll need to decide whether or not this would fit into your schedule. But it can be one of the highest-paying stay-at-home mom jobs you can do! 

13. Childcare 

Average pay: $32,000 yearly  

As a mom, you have plenty of experience with childcare. Why not provide childcare services to others? You would essentially become a babysitter for hire. 

Childcare job details 

Before you get started, make sure to review government childcare regulations and licensing. You can check out a site like Care.com to find childcare opportunities. 

You could also require that you babysit all children at your house with your kids. Since you are already caring for your own children, adding a few more could be a profitable addition to your day. 

14. Remote customer representative 

Average pay: $19 per hour  

There is an abundance of online customer service representative jobs out there.

To excel in this job, you’ll need to be able to deal with customers in a friendly way. You can get started with this type of job fairly quickly, making it a great career option to consider.  

Customer service representative job details 

Not everyone who calls in will be nice to you, but you need to be able to handle their request with ease. If you don’t mind this type of work, it can be a great opportunity! 

You can find jobs available on FlexJobs or Monster. Be sure to check out our in-depth list of the best remote jobs that pay well and companies to work for. 

15. Bookkeeper 

Average pay: $44,000 per annum 

Bookkeepers help business owners manage their day-to-day finances. You might be managing invoices or tracking income. You’ll need to be very detail-oriented and ready to tackle the numbers of a business. 

Ultimately, you can earn a decent salary for a job that allows you to work from home! 

Bookkeeper job details 

To become a bookkeeper, you’ll need to understand accounting software, tax returns, and more, and you should get some bookkeeping experience and then get certified. Bookkeeping is one of the best online jobs for moms who are good with numbers! 

16. Transcription 

Average pay: $21 per hour 

You can make money transcribing audio files into text. I’ve personally tried this one out, but it wasn’t my favorite way to earn a paycheck. You’ll need to have a knack for understanding sometimes jumbled words and writing them down neatly. 

Typically, you will be paid based on the length of the audio clip. Although there is a steep learning curve, you could earn a decent amount of money with transcription jobs if you have a good eye for this.  

Transcription job details 

You must be very patient for this job. At first, it might take you an extremely long time to make a clean transcript, but you’ll get better over time. 

If you’re looking for transcription work, a site like Rev is a good place to start. 

17. Search engine evaluator 

Average pay: $65,000 yearly  

Have you ever wondered how a search engine can pull up exactly what you were looking for? Part of the answer is through the help of search engine evaluators. 

The biggest issue you’ll run into is finding work when you need it. If this is a career you choose to pursue, you’ll need to put some effort into finding the gigs. 

Search engine evaluator job details 

A search engine evaluator looks over the results you get when using a search engine, then determines how accurate or good the results are. A good way to find this sort of job is to check out job sites online. 

18. Tutor 

Average pay: $24 per hour  

If you excel at a particular subject, then becoming a tutor can be a great option when it comes to jobs for stay at home moms.

However, you’ll need to be a great teacher. If you have the skills, though, the pay is pretty good, so this could be a great opportunity for you. 

Tutor job details 

The good news is that teaching is typically easier in a one-on-one setting. With that, you should be able to learn how to be a great tutor. 

To find a tutoring gig, you could find online tutor opportunities through sites like  Tutor.com. Or you could seek out students in your local area. 

19. Try dropshipping 

Average pay: $40,000 per year  

Building an online store can be one of the fun and worthwhile stay at home mom jobs. Although it is most definitely a lot of work, it opens up the door to unlimited income possibilities. 

Whilst the average pay is just over $40k per year, you can earn much more than this by regularly introducing new products and selling to the local market.  

Dropshipping job details 

When you choose to drop ship for your online store, you’ll let a third-party seller handle the shipping logistics. There is a process for starting this, and Forbes explains that you’ll need to choose suppliers and build your store. 

This option can have a steep learning curve, but it offers the opportunity to build a relatively hands-off source of passive income. 

20. Flip flea market finds 

Average pay: $100-$5000 per month  

If you, like me, love bargain shopping, why not turn that into a job? With an eye for high-quality items and a knack for repairs, I can flip many flea market finds and start flipping furniture into a healthy profit, and so can you! 

There are many variables in how much you earn, so an exact estimate depends on you and the items you flip. A few of the most profitable items to flip are power tools, furniture, and vintage clothing.  

Flipping items job details 

You can check out thrift stores and flea markets to find items you can repair and sell. Then put them up for sale on sites like Ebay. 

When you start this strategy, consider starting with a set budget. That way, you can get your feet wet without committing too much money. 

However, if you are searching for one of the most fun jobs online for moms, then you may want to give it a try! 

21. Become an interior designer 

Average pay: $70,000 yearly  

A sharp eye for design can help you build an interior design business. You can also help others to start loving their homes and maximize form and functionality. 

You may need to do home visits for this job, but you could also consider conducting video consultations. You’ll get a chance to be creative and help others with their homes while getting paid!  

Interior design job details 

You may need to obtain a degree for this job, as well as create a portfolio and gain work experience.

However, it is possible to have this career without a degree if you have the right skills. It’s one of the best jobs for stay at home moms if you enjoy designing and decorating. 

22. Editor 

Average pay: $60,000 per year  

One of the best flexible jobs for the at-home parent is a job in editing. I think this type of job is ideal, and I found that I need excellent grammar skills and a good understanding of SEO and keywords when working for an online publication. 

It’s possible to earn more than the average salary with expertise and hard work! 

Editor job details 

There are many types of editors, as well. So you’ll need to decide what sort of editor you want to be and ensure you have the right skills for the job. 

One of the simplest ways to get started in editing is by freelancing. You can use this list of places to search for online editing work. 

23. Become a coach 

Average pay: $60k+ per annum, depending on specialism  

There are many types of coaching, from health and fitness to life coaching. A coaching business is one of the best work-from-home jobs because you can choose your hours. 

It’s important that you pick something that you’re skilled at before coaching others and obtain all necessary certifications and education. 

The average pay will depend a lot on the type of coach you decide to be.

For example, an athletic coach will make $64,000 per annum, while a life coach usually makes $68,000 per year, and a business coach earns an impressive $70,000 per year on average. 

Coaching job details 

A coach will typically help their clients to achieve their goals. They help motivate them and guide them. It’s a great job for people with a positive outlook and a lot of patience to help others. 

In addition, you can do this from home by working online. You can create your own coaching business and work from wherever you want. 

24. Translator 

Average pay: $49,000 annually  

If you speak multiple languages fluently, you can get a job as a translator. It’s one of the best jobs because you can help people and make a great income simultaneously. 

Translator job details 

A translator changes the text from one language to another. You can do this job online. You can check out sites like Unbabel to find jobs. 

25. Event or wedding planner 

Average pay: $58,000 per year  

One of the really fun stay-at-home jobs is planning events such as parties and weddings. If you’ve planned either of these before and have a knack for organization, this could be the gig for you. It’s a really great job that allows you to use organizational, communication, and creative skills. 

Event planner job details 

While you will need to attend the events you plan to ensure everything is organized, you can likely do most of the planning, phone calls, and meetings online or on the phone. 

To get started with this career, you’ll need to build a portfolio and network. 

26. Professional organizer 

Average pay: $45,000 per annum  

Another of the best jobs for moms is to become a professional organizer. You may already feel like you do this all the time in your home, so why not get paid for it? It’s not a bad salary, and it’s a fun job! 

Professional organizer job details 

You will probably need to visit clients’ homes to organize them, but the hours are flexible. 

To begin with, you can get a certification or use your organizing experience. Then, find clients by reaching out to people you know. 

27. Start a YouTube channel 

Average pay: $49,000 a year 

A YouTube channel can be started anytime from anywhere, making it the perfect job for stay at home moms. And you can pick what subjects and content you talk about on your channel, so you can use the knowledge you already have. 

Whilst the average earnings are around $50k, there is unlimited potential in this career. Some YouTubers make millions of dollars, so if you become really great at this job, you could make a lot of money! 

YouTube job details 

You can create content and then monetize your channel. While this isn’t the easiest job to get started with, it can be done, and it includes a flexible schedule and the chance to be your own boss. 

28. Try travel consulting 

Average pay: $57,000 yearly 

If you are passionate about traveling and enjoy chatting with people, working remotely as a travel consultant could be the perfect job for you. You won’t need any previous experience to get started; you just need to excel at organization and communication skills.  

One of the most exciting things about being a virtual travel consultant is that your earnings aren’t capped, meaning you can make as much as you want! 

Travel consultant job details  

Your day will be spent planning travel services and booking holidays, transport, and excursions for customers via email, phone, or video conference.  

Keen to get started? There are two paths to this career. You can either apply for remote positions with a travel company or start your own travel agency business.  

29. Become a brand ambassador  

Average pay: $39,000 annually 

Does getting paid to spend your time on social media selling products sound like your dream job? Well, it’s a legitimate way to make money, and it can be very rewarding! The role would suit people with a background in retail, sales, or marketing, but anyone can do it.  

You may earn more or less than the average pay, but the more effort you put into selling, the bigger your financial rewards will be. Remember that your pay will fluctuate month-to-month as you will be paid a commission on your sales. 

A big perk of the job is receiving free stuff (often related to your promotion) and special discounts.  

Brand ambassador job details   

Your main job as a brand ambassador is to promote a brand, product, or service. You may be asked to interact with customers online or devise new marketing strategies.  

You can find brand ambassador jobs on job platforms directly on a company’s website. Demand tends to increase during holiday periods, so keep your eyes peeled during the summer and festive seasons.  

30. Create and sell training courses  

Average pay: variable ($100-$1m+) 

Do you have skills that are in demand? If so, you could make money from them by creating a course! Online training is continually on the rise, with no signs of slowing down.  

It isn’t a make-money-quick job, though. Creators typically will start making a few hundred dollars but the potential is huge. The exact amount you can expect to make per course will depend on the price you sell your course for and its intended audience.  

Creating and selling training course details  

If you want to give this way to make money a try, the first thing you need to do is find a topic that will sell. If you’re stuck for ideas, consider what you are good at. You’ll then need to create the content and decide on a price.  

You can sell your course on marketplaces such as Udemy or learning management systems such as Thinkific. These will offer different benefits, such as marketing, and help with course creation, so it’s important to research which avenue is best for you.  

Expert tip: Plan your work/life schedule in detail to create balance

When it comes to working various jobs for stay at home moms, it’s important that you plan your work and life schedule to ensure you have time for yourself and your kids. 
When I first started working from home as a freelance writer, I found it hard to separate work and caring for my 12 month old daughter. I would often try to do both at the same time, which never worked well! Then I tried only working while she was asleep, which left little to no time for myself.

I knew that I needed to organize my time better before I suffered from burnout.  So I started creating a daily routine schedule and it made a huge difference to my work and mental health. I would set my alarm for 5.30am to take time for myself before my family woke up. Some days I would do some Pilates or yoga and other days I would sit with a hot cup of coffee and a book and enjoy the quiet. I’d then plan the rest of my day around my daughter’s routine and daily chores, scheduling writing time in during her naps.  

Creating this routine helped me be the best version of myself and avoid any feelings of mom guilt. My best piece of advice for creating a schedule that works is to make it flexible and revise it from time to time to ensure it remains effective. Also, I had separate daily, weekly and monthly schedules which allowed me to plan my workload and other commitments in the short and long-term.  

 What is the best job for a stay-at-home mom? 

The best job for a stay at home mom is ultimately one that suits you and your lifestyle. It should be flexible, something you can do from home, and require no experience to get started.  

The best thing is that there are so many to choose from, so you can get paid to do a job that matches your interests and skills. Whether you have a way with words, enjoy talking to people, or are good with technology, there is something for everyone! 

A popular side job for a stay at home mom is copywriting, but there are many more! Becoming a virtual assistant, online tutor, or YouTuber are other great job ideas to consider.  

How can a stay at home mom get a job? 

Start by determining what kind of job you’d be interested in. Then, it’s time to dust off your resume and update your skills and experience, and start applying to companies. Practice interviewing and if necessary be prepared to explain any job gaps on your resume. 

If you prefer to work for yourself, you must lay out a business plan and set up an online brand and presence. Leveraging social media is a great way to market and promote your business. 

How can a stay at home mom make money realistically? 

To make money realistically as a stay at home mom, decide on what skills you can leverage to get a job or start a side hustle. For example, tutoring, becoming a virtual assistant, doing graphic design, etc. 

Next, it’s important to have a clear understanding of your income and expenses and create a budget that helps you track both. The key is to widen the gap between your income and expenses, so you have extra money to put aside toward your financial goals. 

Related articles for stay at home moms

If you enjoyed this article on the best jobs for moms, be sure to check out this related content:

• How To Afford Being A Stay At Home Mom
• Making Time For Your Finances As A Working Mom
• 8 Ways To Create A Winning Single Mom Budget
• Real Advice And Encouragement For The Struggling Mom

There are plenty of great stay at home mom jobs for you to try! 

There are many available jobs for stay at home moms. Regardless of if you are a single mom, looking for additional income, or getting back into the workforce. Hopefully, you’ve found something on this list that has piqued your interest. 

If so, take the time to pursue that opportunity. If not, brainstorm some ideas that would work for you. 

It is completely possible to earn an income as a stay at home mom. Take advantage of opportunities whenever you can. And be sure to have savings goals and a solid financial plan for the money you make. 

The post The 30 Best Jobs For Stay At Home Moms appeared first on Clever Girl Finance.

If you feel you are shopping too much, you aren’t alone. Many people look at their spending habits and decide that more money should stay in their bank account. Wondering how to stop shopping? Keep reading!

With all the spending temptations out there, it can be challenging to stop shopping. Luckily, it can be done. Let’s take a look at the ways that you can stop overspending starting right now.

1. Define your money goals

If you want to discover how to stop shopping, the first thing to do is define your money goals. 

Financial goals can be any objective or milestone you want to achieve with your money in the future. A few good examples include getting out of debt, retirement planning and saving, or setting out on a journey of homeownership.

Only you can determine what money goals matter to you. Take some time to consider what you want your future to look like and what money moves will make that dream a reality. It is likely that your money habits are not supporting your goals if you are shopping too much.

Once you define your money goals, you may be less tempted to splurge on unnecessary purchases and put those funds towards your money goals instead.

2. Take a closer look at your budget

With your money goals in mind, set up a paycheck budget that works for you. As you map out where you want your money to go, you’ll likely find that unnecessary shopping is not high on your list of priorities.

Instead, you can tailor your budget to include what is important to you.

Of course, you can and should include a budget for shopping fun. But don’t let this category run wild. Keep your spending desires balanced with your long-term money goals.

If you need help crafting a budget that works, then check out our free course!

3. Track your spending to stick to the plan

Creating a budget is a good jumping-off point. But without tracking your spending, you won’t know if you are sticking to your budgeting plan. That’s why you need to track your spending regularly.

You can use a budget app or stick to a simple spreadsheet or budget binder. Choose the strategy that works best for you. Personally, I prefer tracking my spending in a simple spreadsheet to keep myself on track.

4. Remove shopping temptations

When I struggled with overspending, I realized that many of my purchases were made on impulse. And it was especially true for online shopping, with a constant deluge of store newsletters hitting my inbox.

When I received too many deliveries one day after a shopping binge, I started searching for how to quit shopping. Eventually, I decided to remove my shopping temptations by unsubscribing from store newsletters that crowded my inbox. With that, I was quickly able to curb my spending tendencies.

Take a few minutes to unsubscribe from the store newsletters you receive. It may be difficult to hit “unsubscribe” from your favorite stores, especially if you think you’re getting a bargain from coupons or sale notifications. But remember, you can always check out their website when you actually need something. 

Without the constant temptation, you may be able to become more mindful and stop shopping for unnecessary purchases.

5. Delay your purchases

Many of us struggle to stop shopping due to buying things on impulse. 

For example, I might throw a few extra items in my cart while Amazon shopping or pick up an extra candle or two while I’m out. But I really don’t need these things — but at the moment, it feels like I absolutely need another candle.

Luckily, you can curb impulse purchases by delaying your decision. For small purchases, waiting 48 hours is a good timeframe to reconsider. For larger purchases, waiting 30 days is usually a good option.

When you step away from the store and have time to think, you’ll often realize that you don’t need the item. Or you may forget about it altogether! Either way, you can stop the urge to shop in its tracks.

Take a minute to set up some delayed purchase rules for yourself.

For example, you might decide that items over $20 require a 24-hour delay. Find a system that works for you. You will be surprised how often you forget about the item entirely!

6. Only go shopping with a list

Many shoppers may walk into a store with only a vague idea of what they need. But a list can be a key way to stop unnecessary spending. Before you head to the store, create a list of everything you need. 

Once you arrive, only buy what is on the list. I find that this tip is especially useful for avoiding unnecessary grocery store spending by shopping frugal.

If I arrive at the grocery store without a list, I always walk away with snack items that I don’t need. But with a list, I can stick to the plan and gather only what I need.

7. Tuck away your savings in a separate account

If you like to make spending decisions by checking out your bank account balance, keeping all your savings in one place can easily lead to over spending. 

After all, you don’t want to use your emergency savings on an impulse buy. But if your account has the money, it can be too difficult to resist.

With that, tucking away your savings into a separate account can be the perfect solution. When your savings are safely stored in a savings account, you can spend more freely from your checking account. You won’t have to worry about accidentally spending your emergency savings.

The best way to ensure that the money you intend to save makes it into your account is to set up an automatic transfer with each paycheck and automate your finances.

8. Try a shopping ban

An extreme way to stop shopping is to institute a shopping ban for a particular period of time. 

Although it might seem too challenging, this can be an effective way to stop shopping sprees. You could quit shopping completely for an entire week, month, or year.

Of course, not shopping can be very challenging. But you’ll be able to set the rules and timeframe. 

If you are interested in this strategy, I highly recommend reading The Year of Less. The author, Cait Flanders, shared her experience with a shopping ban for an entire year.

Alternatively, you could also try a low-buy year!

9. Focus on gratitude

An attitude of gratitude can truly change your perspective on many things, including shopping. 

Take some time to consider what you already have. Take a look around your closet and home. You might find that you have everything you truly need already.

If you are struggling to stop shopping, you may need to examine your relationship with money further. Unfortunately, negative emotions surrounding money are very common.

But if you cannot recognize these emotions in your life, you might struggle with financial decisions such as overspending.

Focus on creating a positive money mindset, which starts with gratitude for what you already have. Try out the 30 days of gratitude challenge to encourage thankfulness.

10. Avoid going to stores

I’ve always gone to stores as part of social plans. I’ve met friends at the mall and walked around the stores with them for hours. 

However, if you want to quit shopping, you need to minimize how much time you spend in stores. Let your friends know that you are trying to cut back.

Instead, look into ways that you can have fun outside of the store. Meet up for coffee or lunch, or even go for a healthy walk or hike together.

When you stop spending time in stores, you remove the temptation to spend money. It is simply a case of out of sight, out of mind. 

11. Embrace minimalism

Embracing minimalist finances helps you to change how you view spending money. To do this, you need to cut out all of the unnecessary things in your life. If you don’t need something, you don’t have to buy it. 

When you adopt this mindset, it will help you declutter your life and change your habits. Rather than buying loads of things you don’t need, you can only buy things of value. It makes a huge difference to how you feel about the things that you own.

Expert tip: Track your shopping behaviors

Shopping habits can be hard to break. Before cutting back, you need to understand how, when, and, most importantly, why you shop. While you should already be tracking your finances, it may also be helpful to keep track of your everyday shopping behaviors.

Kick things off by creating a shopping journal — you can do this on your smartphone or on paper. Write down everything you buy and when you bought it. You may also want to note down whether you used a credit card, cash, or another form of payment.

Visually seeing how much you spend on certain things will help you understand each shopping behavior. Perhaps you’ll find that you tend to overspend the most on your wardrobe or that you only overbuy when you use your credit card. You can use this resource to transform how you spend money and learn how to stop shopping.

Why is it difficult to quit shopping?

If you’ve tried to quit shopping before now, you know the drill. I’ve found that it can be extremely difficult to avoid temptation when trying to quit.

But wait, why is it so tough? Let’s take a look at some of the core reasons that you may struggle to make fewer purchases.

It has become a habit 

Once you have formed habits, they can be hard to break. A habit is usually made up of a trigger, an action, and then a reward.

For example, you might feel sad, buy something, and then feel happy. Since you get a “reward,” you will keep repeating that habit when you are sad. 

For that reason, it’s important to understand what your personal triggers are. When do you shop, and why do you do it? What are you gaining from this experience?

Answering questions like these will help you to avoid spending money when you don’t want or need to. And it may help you figure out if you have a shopping habit or a shopping addiction.

You are avoiding something 

Does shopping work as a distraction for you? If so, you need to think about what you are avoiding.

Whether it’s debt stress, worries, or other problems, shopping will not solve them. Look into why you are using shopping as a distraction and take things from there.

It gives you instant satisfaction

When you shop, it gives you a hit of dopamine, which makes you feel happier. If you have been relying on spending money to bring you joy, it can be hard to quit the habit. 

It’s important to look at other ways to lift your mood that don’t involve shopping. Learning how to find happiness within yourself — through healthier means — will help you overcome this habit.

How do I stop shopping as a hobby?

If you think of shopping as a hobby, it can be incredibly hard to stop. And so with that in mind, the first step here is to reframe how you think about shopping. It is about buying the things that you need, rather than being a fun activity that you do during the weekends. 

I’ve found that it is helpful to look at other ways to have fun without excessively spending money.

For example, you might choose to join a sports club, start a new creative project, read a book, or even binge-watch a TV series.

Replace your shopping habit with something new or try out stress relieving hobbies. You may also try to limit social media, Instagram, emails from stores, and other things that can make you want to shop.

Why can’t I quit shopping?

If you want to quit shopping but can’t, you may experience a load of guilt and shame, but before you can go cold turkey, you need to figure out what your personal shopping triggers are. 

For instance, you might shop more frequently when you’re stressed, tired, or simply looking for a distraction. Take the time to figure out what makes you want to buy new things. When you have that information, you can deal with the root of the problem first.

And know that many people struggle to stop shopping and it’s okay, you will learn how to manage your money better.

Articles related to quitting shopping

If you found new ideas for how to quit shopping so much, check out these posts next for more great information!

• Need To Go On a Shopping Ban? How To Start and Stick To One!
• How To Survive Being On Shopping Ban Island
• 8 Tips For A Successful No Spend Month
• How To Stop Spending Money: Curb Your Over Spending

You can learn how to stop shopping and save money!

It can be difficult to stop shopping. But it is completely possible. Give these strategies a try as you look for ways to cut back on shopping.

You might be surprised how quickly you can make a change when you get started today. And remember, there are many ways to spend time other than shopping, such as trying out hobbies that make money or starting a side hustle.

The post How To Stop Shopping: 11 Strategies To Succeed appeared first on Clever Girl Finance.

Meeting in person is one of the best ways to make important connections that can help take your career to the next level. There are so many benefits, even if you work remotely. Once you see all the great things about meeting with colleagues and others in your career field, you won’t want to miss out!

But first, what is networking?

Networking is all about connections — it’s the process of building personal and professional relationships that can help you in your career. Networking usually involves meeting new people in your industry and getting together with those in your network to discuss your ideas and your professional goals.

Why is networking in person important?

In many professions, it’s not just about what you know — it’s about who you know. Networking is important to your career for several reasons.

If you can network in person, you get added points. This is because you get to meet people face to face and in person meetings are more memorable!

Strengthens business connections

It isn’t just about meeting someone once and hoping a job opportunity will come of it.

Instead, it’s all about building relationships. And the more time you invest in those relationships, the stronger they’ll become.

Networking is a long game — you’re building relationships that may help your career for years or decades.

Access to job opportunities

Meeting people in person is a great way to advance your career and access amazing job opportunities. Some companies may hire internally or rely on referrals. By networking, you’re opening yourself up to those jobs that aren’t public information.

Mentoring and support

It isn’t just about the job opportunities available to you. When you’re meeting with people who have been in your career field longer than you have, you can also learn a lot.

Networking is a great way to find a career mentor. That person can help show you the ropes in the industry and support you through career transitions and difficult situations.

Builds confidence

Believe it or not, meeting people in person can help you become more confident. When you’re just starting out in your career, pretty much everyone is above you on the totem pole. As a result, you might lack confidence when it comes to sharing ideas and connecting with your coworkers.

But networking helps take some of the pressure off. You can get to know people in your field outside of the workplace.

And when you get positive feedback from those in your network, you’ll feel even more confident bringing your ideas to the office. And consider trying out these confidence building exercises!

5 Benefits of meeting in person

Alright, so we’ve established that networking and meeting people is important to your career. But how else can it help you?

Here are 5 great benefits.

1. Career growth and development reasons

Networking in person will do wonders for your career.

First, it makes you more memorable when job opportunities come up. Look at it this way. Who are you more likely to think of for a job opening:

• The person who you emailed back and forth with a few times and who is qualified for the job? Or,
• The person you connected with at a bunch of networking events, who has a great sense of humor and a welcoming smile, and who is also qualified for the job?

Simply put, in-person networking makes you stand out from the crowd in a way that email and text simply can’t.

Another career benefit of networking in person is the honest and immediate feedback you can get. Imagine asking your mentor for feedback on a new idea you have. When you’re meeting in person, you can see their facial reaction, and they’re forced to respond quickly.

But what if you had sent the same idea via email? You’d have no idea what their first reaction was, and it might take days for them to get around to emailing you back.

2. Social benefits

Networking in person also has plenty of social benefits. There’s just something more reassuring about in-person conversations.

First, you can pick up physical cues and body language that aren’t present in an email conversation. A statistic from Fit Small Business, according to Review 42, explains that 55% of communication comes from your posture and the expressions on your face.

Being part of networking events also gives you time to meet new people. Not only will you increase your chances of talking with someone who can help you with your career, but you can make a lot of friends!

Additionally, one of the benefits of meeting in person is it reduces the risk of misunderstanding. When speaking face-to-face, you can pick up someone’s tone and facial expressions and understand if they’re telling a joke or using a hint of sarcasm. But with digital communication, one of you might take things the wrong way, damaging the relationship.

3. Relationship building

In-person networking is the most effective for building long-term connections. You really can’t tell how well you get along with someone when you’re talking via email.

And as much as we all love to hate small talk, it helps to build the rapport necessary for a deeper relationship.

Face-to-face meetings also allow you to show off more of your personality. Many traits just don’t translate over written communication.

Maybe one of your best traits is your sense of humor — but chances are you aren’t adding jokes to your emails. But when someone meets you in person, they have a chance to see that side of you.

4. Easier to discuss complex topics for work

An in person meeting can make it easier to discuss complex ideas for work, such as a new system or concept. Explaining something like this over email is possible, but it might be more difficult to understand. 

If you choose to have a meeting or a virtual meeting about new ideas instead, you can save some confusion, answer questions promptly, and help team members understand what you mean. I have found that having a quick meeting is usually best to avoid confusion when working on a big project or explaining a new idea.

5. Less distracting

Virtual meetings or meeting in person have fewer distractions than sending messages or communicating online.

If you’re in a meeting room, you will be engaged and focused on what the meeting participants are saying. But if you aren’t face to face, you may be caught up with spending time on your phone or other work projects, and it’s easy to lose focus.

Expert tip: Create a schedule for in-person meetings

Meeting in person may seem difficult if you haven’t focused on it before. I find that if I want to make anything a habit, I have to add it to my schedule, instead of just hoping I’ll find time for it eventually.

As you establish your network, remember to make time for it in your schedule. Scheduling meetings can be as easy as setting aside 20 minutes on Wednesdays to send out emails and see when others are free to meet up.

Or you may choose to go to networking events once a month or have dinner with people that work in your field. No matter what, setting aside a little time each week or month can make a difference for your career aspirations.

Can’t meet in person? Leverage technology!

Networking through in-person meetings might be more difficult if you do remote work but there are still ways to stay in touch and options for getting that face-to-face networking experience.

Check in often via email, phone, text message or video call

If you don’t have a way of meeting someone in person, checking in regularly is even more important. It’ll keep you on top of your career and help grow your relationships.

Sending an email or a text or making phone or video calls are simple and easy ways to check in.

Attend virtual and in-person conferences when you can

Conferences are a great way to get connected and meet new people. You can learn new things, improve your high income skills, and get a chance to interact with people in the same profession as you.

If you can’t make it to an in person conference, virtual conferences are also popular and still give you a chance to network.

Set up video meetups

Just because you can’t physically meet someone in person doesn’t mean you can’t meet face to face. Video platforms such as Zoom and Google allow you to chat with someone as if you’re sitting across the table at a coffee shop. 

Platforms like Zoom allow you to add virtual backgrounds to make the feeling even more real!

Remote meetings are here to stay, so it’s important to know how they work, how to host a meeting, and how to send invites to attendees.

Beware of video conferencing fatigue

Though virtual meetings are great, try not to schedule all your internet meetings for one day, or at least take frequent breaks. Videoconferencing fatigue, happens when you get tired or stressed from being on screen for too much time, depleting your resources, according to the National Center for Biotechnology Information.

To avoid becoming exhausted from this, try not to do any meetings back to back, and ideally, not more than a couple in one day. I always like to schedule at least a five-minute break between meetings whenever I can.

Harvard Business Review also suggests taking breaks and using plain backgrounds on zoom calls to help you feel less exhausted by screens.

How to have a successful in person meeting

As you work on greater collaboration, engagement, and team-building through networking, there are some etiquette rules to remember. These will help you succeed when meeting people in your line of work.

Take an interest in others

While meetings are often used to help people achieve their career goals, it’s best when everyone wins. Instead of making it all about what you want, such as finding a new job or a promotion, find out what you can do for others.

Consider what will help people succeed and discover how you can aid them professionally, and they may return the favor. Even if networking doesn’t help you get a higher salary or the job of your dreams, it does earn you a good reputation when you think of others.

Remember people’s names

When you use people’s names, it shows that you care. Make it a point to use names often. You never know, doing so may have a positive affect on your career!

Some tips to remember someone’s name include, repeating the name often especially after you first hear and writing it down!

Maintain your connections over time

Whether it’s with an in person meeting or an email, maintaining your connections matters. In the future, you may be able to help someone in their career or vice versa.

Staying in touch with people you meet on the job or in your line of work can be easily done. Reaching out, even just a few times a year, to say hello, wish someone a happy birthday, or pass along a great article you read can help maintain your working relationships.

Be mindful of first impressions

It’s important to remember impressions when you meet others for the first time. Be sure that you dress in a professional manner and offer a firm handshake when meeting people.

Always remember that you have great ideas and insights to share, and so do others. So be kind and confident, and make sure to listen as well as offer your own thoughts to a conversation.

Why is meeting in-person better than online?

Meeting someone in person rather than online help with engagement and leaves less room for error regarding communication. You will more easily understand body language, gestures, sarcasm, and humor when meeting someone in person instead of on a Zoom call or over email.

It also gives you the advantage of keeping things clear. Plus, it can be helpful if you have a meeting that requires you to explain many ideas in detail. Or if you need to understand your colleague’s perspective on something at work.

What are the benefits of face to face meetings?

The benefits of face to face meetings, whether online or in an office, are that they allow you to talk with others in real time, stay engaged with each other and get better explanations for ideas. When relying on email or messages, it can take too long to receive a response. Additionally, there can be communication errors with employees.

You’ll also be able to talk quickly, solve work issues faster, and use good time management by scheduling quick meetings.

Do people still interact better when in-person?

Yes, people certainly interact better when meeting in person. You can make actual eye contact, manage interruptions better, read body language better and keep each other better engaged.

That said, while some may interact better in-person, and others may prefer the convenience and flexibility of email or messaging and like to respond to questions in their own time. You may have co-workers who prefer to have Zoom calls or meet up for coffee to discuss ideas.

Both ways have their advantages, and the best idea is to be familiar with several ways of communicating, as this will make you a more versatile part of your work team and can help you communicate easily.

Articles related to building working relationships

If you enjoyed learning more about the benefits of meeting in person, check out these posts next!

• The Best Job Blog Recommendations For Women
• How To Find A New Job You Love
• The Best Networking Tips To Boost Your Career
• 5 Reasons Why Hard Work Is Key To Success

Building in-person relationships is beneficial for everyone!

Meeting in person is one of the best things you can do for long-term career growth and creating a life you love. Some circumstances may make it difficult to get together with your professional network in person. Thanks to technology, there are now plenty of ways to stay in touch without being able to grab a cup of coffee with your mentor or attend a local networking event.

Utilize these ideas and remember the benefits of networking. It could help you get a new job or advance in your career.

The post 5 Benefits Of Meeting In Person And Why You Should Do It Often appeared first on Clever Girl Finance.

Want to raise money-savvy kids? We’ve rounded up the best money books for kids to help you guide them into early financial literacy! Introducing money and its principles as early as possible can help tremendously ensure your kids have a bright financial future. So keep reading to learn more about the benefits of finance books for kids and our top picks!

Understanding money principles is the first step before children can put those principles into practice. We also know that repetition is the best way to learn. So, adding short stories about money to your child’s book rotation is a fantastic way to get them interested in the topic.

Here are some of the benefits of money books for kids!

Benefits of reading children’s books about money

“Children see, children do.” Have you heard this before? It’s true, though, isn’t it?

Sometimes, our children copying us is just something that seems funny. However, the more our children copy us, the more habits they acquire.

For instance, children can mimic the way we speak and walk. They can also learn from our money habits.

Your children will notice if you’re calmer and more relaxed with your money. But if your kids have seen or heard you worry about money, you might need countermeasures such as introducing more positive interactions with money.

Taking time to explain simple things like paying for groceries is a good start. Then, you can drive the lessons home by teaching your kids about budgeting through some finance books for kids.

Likewise, reading more children’s books about money is a great way to bond with your child and can provide additional benefits. 

Creates a healthy relationship with money from an early age

Many adults have unhealthy relationships with money. They might think that money is evil. Some adults overspend money because they don’t want to manage it. However, by introducing the concept of money through fun characters in financial literacy books for kids, children can start to develop a healthy relationship with money.

Books help introduce money as a positive tool that can be used to better their lives.

Children can learn about money in an enjoyable and relatable way

In the eyes of children, money may seem like an adult thing. After all, the parents go to the grocery store to buy food. Children see their adults going to work every day to make money, which is something children don’t have to do.

Because of their limited interactions with money, books make the concept of money relatable. Children learn that they, too, can earn, save, and use money. 

Crucial money and life skills can be learned in a fun way

Many children’s books simplify money concepts such as budgeting, saving, and investing. So, if you find yourself overwhelmed when explaining these topics, books can help.

Financial books for kids can also teach children crucial life skills such as delayed gratification, patience, and setting goals for the future.

21 Of the best finance books for kids

Let’s get into our best money books for kids that are sure to inspire and motivate your kids to build a solid financial foundation! You can click the images to learn more about each book.

Note: These best money books for kids are linked via affiliate links that help us grow Clever Girl Finance! Please see our disclosures for more information.

1. Investing for Kids: How to Save, Invest And Grow Money by Dylin Redling And Allison Tom

Raising money-savvy kids is easier with books like “Investing for Kids“. It gives kids ages 8 to 12 a jump-start on the basics of how money works, such as how to earn it and how to start a savings plan. All of these help children look forward to a future with money in the bank.

The Dollar Duo, Dylin Redling, and Allison Tom also cover essential and engaging information on kids investing and how to make money grow to build wealth. In addition, the book delivers interactive activities and discussions that children of all ages will enjoy about investing.

2. Finance 101 For Kids: Money Lessons Children Cannot Afford To Miss by Walter Andal

Walter Andal was frustrated with the lack of personal finance resources that his children could learn from, so he wrote one. The book “Finance 101 for Kids” is exactly what it sounds like.

It’s one of the most informative and entertaining money books for kids to help them understand how money works. The book will help them build a solid foundation for handling money. It even teaches the importance of giving back to the community.

3. How to Turn $100 into $1,000,000: Earn! Save! Invest! by James McKenna, Jeannine Glista, et al.

How to Turn $100 into $1,000,000 is a thorough introduction to finance for kids ages 10 to 12. It also includes many helpful tips on setting financial goals, investing wisely, and starting a business.

The book also emphasizes saving with the added bonus of teaching your kids to think like a millionaire. I love that it clearly states that millionaires do not spend a million dollars but know how to keep a million dollars.

Young readers will enjoy the inspiring stories of how different people became millionaires. In addition, the graphics and the layout are fantastic. They make the book easy to read and help keep the young people’s attention. 

There are so many reasons why we included this book in this list of the best finance books for kids.

4. A Smart Girl’s Guide: Money (Revised): How to Make It, Save It, and Spend It (Smart Girl’s Guides) by Nancy Holyoke and Brigette Barrager

Introducing books written from your child’s perspective, like A Smart Girl’s Guide, is a great way to get them interested in money. In this read, Nancy Holyoke and Brigette Barrager teach girls money management in an easy and fun way.

The book has quizzes, tips, and helpful quotes from other girls that will delight and inspire your middle schooler.

5. Money Ninja: A Children’s Book About Saving, Investing, and Donating (Ninja Life Hacks) by Mary Nhin

The Money Ninja book is part of the Ninja Life Hacks books series geared to kids ages 3 to 11. It teaches children essential life skills through stories with colorful illustrations and adorable characters.

Read it with your toddlers and young children. It’s an excellent way to introduce the concepts of earning money, saving, and giving. All of which promote a growth mindset.

6. Grandpa’s Fortune Fables: Fun Stories to Teach Kids About Money by Will Rainey

Use Grandpa’s Fortune Fables to bond with your kids over fun and short stories about money. It features Gail, a 13-year-old girl, who shares her Grandpa’s adventures to a faraway island. Each chapter is a money lesson to help kids discover how to manage money.

Will Rainey does an excellent job of introducing financial concepts in an easy-to-digest format. The book is easy to read and provides action steps for your kids to take.

Reading and discussing the lessons is a fantastic way to teach your kids about money early on. That’s why we added this book to our list of the best finance books for kids.

7. Kid’s Activity Book on Money and Finance: Teach Children About Saving, Borrowing, and Planning for the Future—40+ Quizzes, Puzzles, and Activities by Allan Kunigis

Children are sponges who soak up every bit of what goes on around them. As parents, we can nurture that thirst for knowledge with awesome books like Kid’s Activity Book on Money and Finance.

Your child can learn about money through engaging activities like word searches, crossword puzzles, rhymes, quizzes, and other games.

The activities introduce children to the principles of money. Even if it only prompts them to ask questions, that’s a good starting point to lay the foundation of financial literacy.

8. What is Money?: Personal Finance for Kids by Kelly Lee

In a world where kids often don’t see us paying for things, it’s even more important to introduce the concept as early as possible.

“What Is Money?” is an excellent book to read to your toddler.

It has short stories about money, drawings, simple language, and colorful pages, everything that’s age-appropriate for your toddler.

The book contains a series of questions with straightforward explanations and examples. This is one of the children’s books about money that gets our vote. Your kids will love to read it over and over again.

9. Investing for Teens: How To Invest and Grow Your Money! by Alex Higgs

Investing is a loud space right now, especially on social media. It seems everyone is an expert, but they’re all saying different things. So, help your teen get the right advice and helpful information with one of the best money books for kids.

The book Investing for Teens is geared towards young adults, ages 13 to 18, as a step-by-step guide on building a solid foundation for their future. It covers a multitude of topics to help them manage and grow their money and set themselves up for financial independence.

10. The Everything Kids’ Money Book: Earn it, Save it, and Watch it Grow! by Brette Sember

Help your children comprehend the value of money and become financially responsible adults with The Everything Kids’ Money Book.

Your kids will learn about the basics of money, such as how bills and coins are made and what they can buy.

Brette Sember also discusses how kids can earn, save, and invest money. Most importantly, it’s one of the children’s books about money that tackles the ins and outs of financial technology – a must for kids growing up in a digital era.

11. Heads Up Money by Marcus Weeks

The Heads Up Money book covers complicated financial and economic topics, including supply and demand, investing, and market trends. It answers inquiries like, “What would happen if the bank simply prints more money?”

Even though the topics are complex, the author presents them in a dynamic, fun, and easy-to-follow format geared toward kids in grades 5-12.

12. I Want More Pizza: Real World Money Skills For High School, College, And Beyond by Steve Burkholder

I Want More Pizza is a perfect mini-book for teens who are not big readers. Even though it’s short, this book still packs a punch.

It uses the pizza model to break down barriers around young adults’ hesitation to learn about money management.

If your kid is a teenager, you know how hard it is to get them interested in something.

So, get them a book about pizza that teaches them about saving, spending, goal setting, how to invest, and taking real-world action.

13. Kyng & Kyren’s Generational Wealth Building Activity Book by Kyren Gibson

When Kyren became a dad, he decided to change his life. He wanted to leave a legacy for his son, Kyng. Thus began his journey of learning how to build generational wealth.

He wrote Kyng & Kyren’s Generational Wealth Building Activity Book to help educate his community on the fundamental blocks of finances. And he makes learning fun, engaging, and motivating.

14. More Money, Please: The Financial Secrets You Never Learned in School by Scott Gamm

More Money, Please is a personal finance crash course ideal for high-schoolers, college students, and recent grads. It is a comprehensive, easy-to-understand introduction to money management.

It walks readers through the best budgeting practices, paying for college without getting into debt, and saving for retirement early.

In this book, Scott Gamm also discusses why having a credit card can be good and how to use technology and smartphones to pay bills on time.

15. Money Matters Made Easy: A Guide to Financial Literacy for Kids by Terence Hover 

Is your kid a young entrepreneur at heart? What better way to nurture their business ideas than with a book about financial literacy?

Written for children ages 11 to 14, “Money Matters Made Easy: A Guide to Financial Literacy for Kids” helps children set a solid financial foundation for a brighter future. 

It is a book that empowers children to make smart financial decisions and helps them avoid financial mistakes. It also teaches them how to budget, save, and give back. Terence Hover helps young readers achieve financial success.

16. Reach for the Stars: Introduce Basic Financial Concepts While Empowering Kids to Think Big! By Michele Cho-Dorado and Kaori Hamura-Long

The book tells a relatable story about a girl named Mimi who wants to buy something but doesn’t have the means to do so. Instead of giving up, Mimi comes up with an idea to start a business and earn the money she needs.

An ideal book for children ages 3 to 10, Mimi’s story in Reach for the Stars is an excellent example of not only earning your own money but also the importance of giving back. 

It is also a great book to inspire children to set goals and turn their ideas into something more.

17. Investing for Kids: From Piggy Banks to Portfolios – A Fun Guide to Financial Literacy for Ages 8 to 12 by Freeman Publications and Natalia Berezina

Investing for Kids takes young readers through various aspects of money. In this book, children will learn the basics of budgeting for wants and needs.

Additionally, they’ll learn about more complex financial topics, such as credit cards and interest rates. 

Freeman Publications and Natalie Berezina created a book that empowers children to be investors and entrepreneurs. The book also gives the history of money and shows how money is used all around the world. 

18. Black Wealth: Teaching Your Child Financial Literacy – Practical Activities You Can Do at Home to Set Your Kids Up for Financial Success by Dr. S Bowe 

The concept of wealth can be a big idea to grasp. However, the earlier children learn about it, the better their chances of obtaining it.

Black Wealth introduces practical activities that you can use to teach your children how to be financially literate. 

If you’re determined to break the cycle of generational poverty and start building generational wealth with your children, this book is for you. 

19. Three Little Piggy Banks: Financial Literacy for Children by Pamela Georg, illustrated by Meredith Luce 

Three Litte Piggy Banks is a helpful book that teaches valuable lessons about money while also teaching children essential life skills. 

The story is based on two twins, Andy and Ella, and is ideal for siblings. Rather than buying the twins what they wanted for their 5th birthday, their parents gave them three piggy banks. 

Needless to say, the twins were shocked that they wouldn’t receive the camera and bike they wanted. However, they quickly learn that money has more value than simply spending.

As the story unfolds, the twins learn how a piggy bank can be the key to getting what they want and more.

20. Think Like a Boss – Kids Edition: 47 Money Making Ideas for Young Entrepreneurs, Earn Key Skills for Future Job Success in the Workplace or in Business. Helping Kids Learn Money Management Early by Miss Jemma Roedel

Back in your day, you probably had a handful of ways to make money. Perhaps you had a lemonade stand, mowed lawns, or babysat. If you’re looking for a way to encourage your child to make their own money, as you did, then Think Like a Boss: Kids Edition is the book you must own. 

With 47 fun ways for children to earn money and tips on managing it, your child can be on their way to being a millionaire. Yes, children can be millionaires, too.

The great thing about this book is that these job ideas don’t require your child to have a particular skill or talent. Anyone can use these money-making ideas.

21. Money Plan by Monica Eaton, illustrated by Anastasia Cartovenco

What makes the book Money Plan so fun is that it’s written in rhyming verse. It’s a story of Mia and her mom and their Saturday morning trips to the grocery store. 

The story introduces the concept of money management in a fun and enjoyable way.

Expert Tip: Earlier is better when it comes to teaching kids about money

Many parents question which age they should start talking to their children about money. The simple answer to this question is the earlier, the better. By age three, children can recognize different coins and understand that money is used to buy different items. And so, to foster their understanding, it’s helpful to communicate money concepts in a fun and relatable way.

Additionally, if you want to introduce your children to financial literacy books, it’s best to start incorporating them in your daily routines. For instance, if you usually read bedtime stories, that is an excellent opportunity to swap out a fairytale for a finance story.

You can also support your children’s learning by asking them about what they’ve read in your finance books during dinner. Talking about the concepts your kids read about in their money books will reinforce their learning.

Why read money books for kids?

Money books for kids can help children learn about finances, people, and events outside their own experiences. As a result, it exposes them to new ways of life, ideas, and beliefs about the world.

Children’s books about money are a great way to teach young kids that they can create something different and better than what they currently know.

Additionally, these books provide more reliable information to older kids and teenagers. Especially since, teens today receive an overwhelming amount of financial advice from online platforms. Unfortunately, not all of this advice is trustworthy.

Lastly, as adults, most of us worry so much about money. As a result, finances can be a charged subject when we bring it up with our children. Often, we color our conversations around money with our own difficult experiences, money stories, and biases. And it turns our children off from listening, let alone learning. That’s why handing your kids a money book is sometimes a better idea.

How do I teach my child about money?

A simple way to teach your children about money is by talking through processes that involve money. When you go to the grocery store, start mentioning the prices of different items. You can also incorporate giving children an allowance. 

However, to give your children a well-rounded view of money, it’s a good idea to leverage financial literacy books for kids. Books offer fun storylines and characters that can help children digest the concept of money. 

Lastly, remember to model healthy money habits for your children. Staying within your budget, having positive conversations about money, and setting money goals are also ways to set positive examples. 

What is the best book for learning money?

The best book for learning money can depend on your financial needs. However, some of the best books will cover the basics of financial literacy, earning and budgeting money, investing and saving money, and include tips on avoiding or paying off debt. 

Bestselling finance books include practical tips, inspiring stories, and useful information. 

Some bestsellers include “I’ll Teach You How to Be Rich,” “Clever Girl Finance-Ditch Debt, Save Money & Build Real Wealth,” and “Rich Dad, Poor Dad.”

What is basic financial literacy for kids?

Financial literacy for kids can be simple. It starts with understanding where money comes from and how to use it responsibly.

Financial literacy books for kids will teach them how to earn money, how to budget or manage money, how to save money, and how to invest. 

When kids understand how to earn, use, save, and invest money, they are more likely to grow into adults who understand how to obtain financial success.

Related articles on financial literacy for kids

If you enjoyed this article on financial literacy books for kids, check out this related content!

• Budgeting For Kids: How To Get Them Started
• 47 Great Business Ideas for Kids!
• Financial Literacy for Kids: How to Raise Them Well
• Successful Decluttering With Kids: 6 Helpful Tips! 
• Why Is Personal Finance Important?

Raise financially savvy children with the best money books for kids!

Many of us got to adulthood without any money management skills. With proper skills, we can avoid numerous financial problems.

We weren’t better equipped because most of our parents didn’t have any knowledge to pass on.

Furthermore, much of the money advice that worked then doesn’t work now. And it probably won’t apply to the world our kids will grow up in.

So, let’s do better for our kids. Start financial conversations early by reading more children’s books about money. Get them interested in exploring financial literacy with the help of the money books for kids in this list.

To keep learning, see the other Clever Girl Finance articles about financial wellness and how kids can make money!

The post 21 Best Money Books For Kids! appeared first on Clever Girl Finance.

Traveling with a baby can be daunting, especially if it’s your first family vacation, but it doesn’t have to be. Babies need a ton of stuff, so you may wonder how it can all fit in your suitcase (and your car). Our list of budget-friendly baby travel essentials will help you pack like a pro while only taking what you actually need and enjoying a stress-free trip!

23 Baby travel essentials

Traveling is a great way to share new experiences with your baby and enjoy quality family time together.

The change in routine and the physical demand of traveling can make it difficult for both babies and their parents.

So, here are the baby travel essentials and travel gear that will make traveling easier for mom and little ones.

Note: Some of the product links below are Amazon affiliate links. This means if you make a purchase, we might get a small commission that helps us grow!

1. Car seat

When traveling with a baby, safety is your number one priority. The Federal Aviation Administration (FAA) recommends using an approved child restraint system (CRS) on an airplane.

Taking your infant car seat or toddler car seat with you may feel like a huge hassle, but it can save you the time and hassle of finding suitable transport options in other countries if you already have your own. It’s important that you check with your airline which car seats are approved, though, as not all of them will be accepted on the flight.

To help protect your CRS from damage during traveling, consider purchasing a travel car seat bag to use on your journey and save money by not buying replacements.

2. Baby travel cot

Baby travel cots are also called a pack-n-play, or a travel crib, and it’s one of the baby travel must haves. They are a great way to provide a safe and familiar place for your baby to sleep on your travels, especially without a regular crib. They are compact, easy to transport, and reasonably budget-friendly.

When considering which travel cot to buy, look out for the following features:

• Ease of use: You want something that won’t take you hours to put up and pack away.
• A mesh window: This is important so you can always see your baby.
• Washable covers: In case of accidents or use over time

3. Portable feeding seat

If you’ve reached the weaning stage with your baby, a travel feeding seat will make feeding and snacks much easier (and safer) whilst away from home. No more trying to feed your baby on your lap whilst trying to eat yourself!

Before purchasing baby travel essentials like this, check the item’s minimum age requirements and weight to ensure it suits your needs. And here’s some advice to a new mom: fabric seat harnesses are a great, portable solution.

4. Baby monitor

A lightweight travel baby monitor is one of the baby essentials for parents on the go. Whilst you’re on holiday, you can get peace of mind that your child is okay without having to go into their room constantly.

Travel monitors must have long-range, good battery life, and be durable enough to withstand traveling.

In addition, certain models are non-WiFi, which is excellent if you don’t have a reliable internet connection where you are staying.

5. Foldable baby bath

Just because you’re staying in holiday accommodation doesn’t mean you have to miss out on bath time fun or the baby’s usual bedtime schedule.

Portable baby baths are designed to be convenient, making them the perfect travel companion for your tot. They also ensure that you can enjoy bath time safely, wherever you are.

Choose one that folds or collapses flat so that it can lay flat in your luggage. And don’t forget the bath toys for the tub, too!

6. Portable white noise machine

If your baby is used to sleeping with background noise, a white noise machine is a great item to pack in your bag and take with you.

Generally, portable sound machines are small and durable, so they are easy to pop in your suitcase or baby’s bag. A noise machine may be a packing category that’s easy to forget, but it’s so important.

Top tip: Some even have built-in night lights, creating the optimum sleep environment for your little one.

7. Pacifiers

If your baby uses a pacifier, it’s essential that you pack enough of these baby travel must haves for your journey.

To make sterilizing on the move easier, purchase a pacifier set along with a handy sterilizer box so you can pop them in the microwave with some water and have them ready for baby in minutes.

8. Baby toiletries

An essential part of your baby packing list is toiletries. Just like us, there are some items that babies rely on every day.

And if you don’t have much space in your suitcase, you can buy smaller traveling bottles to fill up your supply at home to help you have the best family vacations on a budget.

Here are the toiletry travel essentials for your baby that you will need:

• Baby wipes
• Diaper rash cream
• Baby shampoo
• Baby nail clippers
• Suncream
• Items for potty training

Use packing cubes to neatly organize your baby’s items and save you time finding what you need when you arrive.

9. Baby first aid kit

Accidents happen and sometimes can’t be prevented. Especially during travel when it’s hard to baby-proof anything. But you can be prepared.

A baby first aid kit will contain everything you need in case of mild illness or small injury, from plasters and antiseptic to cold compresses and thermometers.

It’s crucial that you buy a pediatric first aid kit so that the items included are suitable for your baby.

10. Feeding equipment

Whether you’re breast or bottle feeding, certain items are essential to take while away from home.

If you’re nursing, don’t forget to pack a nursing cover, pads, and breast pump. If your baby is a bit unsettled in an unfamiliar environment, you will probably find that if you nurse your baby, it will help to soothe and settle them.

In addition, if your baby is taking a bottle, pack enough formula milk so you don’t have to worry about running out while you’re away. Packing a small travel bottle brush is also a good idea to clean your bottles on the go.

A plastic baby spoon and other utensils are a baby travel essential if your little one is starting to have solids.

11. Baby-proofing kit

If your baby is on the move, consider packing a baby-proofing kit to minimize the risk of accidents while on vacation.

A baby-proofing kit contains electrical covers and corner guards for furniture to make the property you’re staying in a safer environment. Some may even include travel stair baby gates, which are essential if you’re staying somewhere with stairs.

12. Travel highchair

Make your weaning journey easier and less stressful when you’re away from home with a reliable travel highchair.

Having your own portable high chair means you won’t have to worry about whether your accommodation or places you eat at will have sufficient facilities.

Look for ones that are lightweight and easy to clean, and you won’t regret your purchase!

13. Backpack diaper bag

When you’re a mom, you need your hands free. That’s why a backpack diaper bag is a great item to have.

They’re easier to carry around if you’re out and about. Backpack diaper bags usually have extra pockets and storage for all your baby’s needs, such as a change of clothes, diaper changes and other toddler essentials.

Plus, they have compartments to help you be organized.

14. Lightweight stroller

A travel stroller is one of the best baby travel essentials because it makes it easier to get around. Choose one that’s lightweight and collapsible, so it doesn’t take up a lot of space.

It will also be easier to load in overhead compartments of trains and airplanes. Leave the bulky pushchair at home!

15. Ergonomic baby carrier

An ergonomic baby carrier is another of the travel essentials for baby because it’s better for your back. It’s a safe and practical way to carry your baby, especially where strollers are hard to maneuver.

A baby carrier also gives you the advantage of being hands-free while your tot enjoys the scenery. Choose a carrier that can be worn for both the back and front so it can be adapted for your baby’s toddler stage. Make sure it’s comfortable and machine washable as well.

16. Sleeping bag/swaddle

Add sleeping bags and swaddle blankets to your baby packing list of essentials for another layer of comfort. Choose lightweight swaddles and sleeping bags to make them easier to fold and more space-saving for your suitcase.

Top tip: the trick to traveling with a newborn or toddler is mirroring their regular routine. So, if that means your child normally falls asleep swaddled up in a blanket, you should also do this when away from home.

17. Sensory travel toys for babies

Baby travel essentials can also be fun! Toys can help distract babies and make them less anxious because it’s familiar and comforting. They’re also a great way to pass the time, making travel easier and more fun.

Some of the very best travel toys for babies include rattles. They are reasonably small, making them the perfect size to slip in your hand luggage, and your baby will love the noise they make.

Teether toys can help calm a fussy baby whilst on the move. High-contrast board books are another great way to keep little minds busy during long journeys.

Baby will love looking at the pictures whilst listening to you tell them a story. You may also include items like stickers, depending on your child’s age.

18. Travel blackout blind

When traveling with tiny humans, sheer curtains in the rooms are the worst. Your baby will likely wake up at the first sign of light, stopping anybody from sleeping well.

That’s why you need your own blackout blinds in your vacation budget, whether staying in a hotel, Airbnb, or with relatives. Amazon sells lots of different portable blackout blinds to suit your budget and style.

19. Waterproof wet bag

Carry a waterproof wet bag with you so you don’t have to worry about getting anything wet. It’s a better alternative than plastic bags. You can store wet clothes in it and keep the rest dry.

20. Water shoes

Water shoes are a must-have travel item if your baby has started walking.

They help to stop your kids from slipping and falling when playing around the pool, especially if they have just started walking and are a bit wobbly on their feet.

Additionally, swim shoes are great if you’re visiting beaches with lots of shells, corals, or rocks.

21. UV beach tent

When considering travel essentials for baby, don’t forget to take in the climate where you are staying. A pop-up beach tent provides an excellent sunshade for your little one.

Most tents also feature 50+ UPF for extra protection, so your tot isn’t sunburnt. That’s why beach tents should be added to your baby packing list.

Here’s a reasonably priced beach tent you can set up easily!

22. Cooler for snacks and formula

When traveling with your little one, you’ll need to keep snacks and liquids on hand, and a travel cooler is an easy way to do it. You can use a cooler for snacks and bottles or a cooler to store breastmilk.

23. Stroller weather cover

Whether you are out and about in the city or spending the day at the beach, if you’re going to be outdoors, a weather cover can be helpful. Bring a stroller cover that protects from rain and wind to make your baby more comfortable as you travel.

Expert tip: Travel at night with your baby when possible

There are several benefits to traveling to your holiday destination during the night when you have a baby in tow.

Firstly, it won’t disrupt your child’s routine as much, so there’s more chance that your bundle of joy will sleep during the night. That means that they will spend less time awake, hungry or bored.

There are usually fewer road users and passengers at night, so you can expect to arrive at your destination sooner than if you were traveling during the day.

If you’re flying to another country, you may also save money by booking night flight tickets, as it tends to be cheaper to fly during unsociable hours.

3 Commonly forgotten baby travel checklist items

Before you leave for a trip, there are certain things you can do to make the actual traveling more streamlined and enjoyable.

Use this checklist for baby travel to make sure everything is in place before the day you travel.

1. Travel insurance

Babies get sick. And if that happens, insurance can prevent you from losing a ton of money.

More importantly, travel insurance will ensure you have the right medical coverage in another country if you need to use it.

2. Check medications

If your baby takes regular medication, ensure you have enough to cover the days you’re traveling. For certain medications, you may need a letter from your doctor that explains to the airline what the medicine is for.

Clearly label all medications with your baby’s name, your contact details, and the correct dispensing instructions.

3. Prepare custody and consent documents

If you’re flying solo with your baby, in some situations, you may need to prove that you’re the child’s parent (especially if you don’t share a surname). Pack birth certificates and a consent document from the other parent so you’re prepared if you need to show them.

Helpful ideas to travel successfully with a baby

While there’s no perfect routine or system to stick to when traveling with a baby, there are a couple of things you can keep in mind that may help traveling be easier:

Keep a routine as much as possible

If your baby is used to a specific routine, try to stick to it as much as possible. While traveling may make things difficult, at the very least, if your child can take regular naps at the same time that they’re used to, it can go a long way in making them feel more comfortable while they aren’t at home.

If you can also try to have meals at similar times to the usual, this can be helpful, as well.

Bring plenty of items to entertain your child

Since you may be traveling for hours at a time, bring plenty of toys and items to entertain your baby. Books, toys, music, movies, puzzles, etc., can all distract your child so they are less focused on their surroundings. This is one of the best car or airport hacks.

What do babies need for traveling?

Our complete baby travel checklist contains the essential items to put in your carry-on when traveling with babies. There’s no need to spend weeks researching and worrying about what to pack. Use this checklist for peace of mind that you’ll have everything you need:

• Baby passport
• First aid kit
• Travel insurance documents
• Travel consent documents (if required)
• Medication (if required)
• Phone charger
• Diapers/swimming diapers
• Baby wipes
• Changing pad or change mat
• Diaper bags
• Diaper rash cream
• Sanitizing wipes
• Baby lotion
• Baby wash
• Muslin
• Nursing cover
• Bibs (Silicone bibs are best for travel)
• Burp cloths
• Pacifier
• Teething toys
• Baby books
• Two changes of baby clothes, onesies, or outfits
• Breast milk or formula
• Baby food (if weaning)

What items are essential for a baby on an airplane?

Items like snacks, toys and bibs are essential for a baby on an airplane. But in addition to these items, be sure to pack the following in your carry-on to help make the flight more comfortable for your baby and less stressful for you:

Earplugs

Airplanes can be noisy and unsettling places for little ones. During take-off, noise levels can rise and cause discomfort for babies and infants.

Baby-safe earplugs or headphones are a great way to help protect your child’s ears. They could even help your baby have a nap!

Lightweight blankets

An airplane cabin can get cold, so blankets are essential for little ones. It’s also a lovely way to get cozy and encourage sleep.

Toys

Let’s face it, flying can get boring on long-haul journeys. Babies don’t understand the concept of time, so using toys as a distraction is a good way to ensure your flight goes smoothly. Don’t forget your baby’s favorite cuddly toy too!

Spill-free sippy cup

If your baby is starting to wean, you may offer your child water. Airplane cabins have low humidity levels, so having plenty of fluids on hand can keep your little one hydrated.

The last thing you want is to deal with cleaning up a spillage in a cramped environment, so pack a reliable cup you know won’t leak.

Functional baby carry-on bag

The best type of carry-on to use when traveling with a baby is one with lots of easily accessible compartments so you can organize your items, such as formula, bottles, clothes, bibs, changing pad, diapers, diaper cream, baby wipes, hand sanitizer etc. It will save you the time and stress of trying to find something that you need quickly!

A carry-on bag you can wear on your back will keep your arms free for the baby. Remember to check that your bag complies with your airline’s size and weight restrictions before traveling.

Airports don’t stock a huge selection of baby travel essentials, so it’s important that you take all the essentials you might need for a baby on an airplane.

Articles related to babies and motherhood

If you enjoyed this article on travel essentials for baby and the baby packing list, check out this related content:

• 5 Main Baby Costs In The First Year To Budget For
• Preparing For A Baby Financially
• How To Create A Baby Budget
• Should I Have Another Baby? Weighing The Costs

A list of baby travel essentials can help you budget for the most important items!

We hope you found this list of baby travel essentials helpful, although we recommend being mindful of your budget and any extra cost.

And remember, when considering how much does having a baby cost, you don’t have to follow every new trend or buy every viral product for your baby.

Consider the most important items you’ll need for your child in the first few years, and focus on purchasing those baby travel must haves first. But as always, we encourage you to do what’s best for your family, especially when it comes to how to spend money wisely.

The post 23 Baby Travel Essentials And Baby Travel Checklist appeared first on Clever Girl Finance.

The death of a loved one takes a large emotional toll on those closest to the deceased. In addition to grief, you’re also expected to deal with closing out the life of your loved one—from rehoming pets to canceling a credit card after death. Figuring out what to do when a loved one dies can leave you feeling stressed and overwhelmed, but this checklist when someone dies can help make the process easier.

Ignoring practicalities after the death of a loved one could cause even more stress in the long term. Closing accounts, dispersing funds and personal belongings, and notifying the proper agencies and organizations reduces the chance for fraud.

This article will help you go through the checklist when someone dies, making it easier to manage everything that needs to be done. We’ve also gathered answers to some of the most common financial questions after someone passes away.

What to do immediately after a loved one dies

The period immediately following major life events like the death of a loved one is likely one of the most difficult. You’re still coming to terms with their death, and yet you’re expected to take care of things.

You probably aren’t sure what to do when a loved one dies. As soon as you can, start working through these initial steps after the loss of a loved one.

Get a legal pronouncement of death

When deciding what to do when someone dies, your first task is to get a legal pronouncement of death.

If your loved one passes in a hospital or nursing home—where a doctor is on staff at all times—the facility will likely take care of the pronouncement, but you can also reach out to a hospice nurse to get a pronouncement if a loved one passes at home under hospice care, according to the National Institute on Aging.

In cases of an unexpected death, you should call 911 as soon as possible. First responders will arrive and transport your loved one to a hospital.

The first responders may also be able to help you deal with the initial shock or trauma of losing your loved one.

Notify friends, family, and employers

After your loved one is pronounced deceased, your next step is to contact family, friends, and those close to the deceased. Family members to notify right away might include a spouse, living parents, siblings, and children of the deceased.

You may also want to notify close friends of the deceased, such as a lifelong friend from childhood.

Employers or volunteer organizations should also be notified of the death soon. Some people forget this step when figuring out what to do when a loved one dies.

However, the last thing you want to deal with when grieving a loved one is a call asking why they’re not at work.

Get guidance from the hospital

If your loved one passes away in a hospital or other care facility, you can ask the facility what they need from you.

In many cases, these facilities take care of some of the initial steps after a loved one dies, which could reduce your stress and give you more time for grieving and mental wellness. After a loved one passes, call the facility for guidance or procedures related to the next steps.

Arrange care for pets

Did your loved one pass away with pets or dependents living in their home? If so, finding care for them should be a top priority when working out what to do when a loved one dies.

You may be in a position to take them into your home. Doing this could help you in the grieving process by giving you a living connection to your deceased loved one.

If you cannot accept pets into your home, start by asking friends or family of the deceased if they can temporarily take care of the animals or if anyone wants to be a first time dog owner or first time cat owner.

Many animal shelters or rescues may also be available to offer immediate care for animals after the death of their owner.

Making funeral and burial arrangements

After taking care of the immediate needs after the death of a loved one, you can start planning the burial or funeral arrangements and going through the checklist when someone dies. Many people use an estate planning checklist to prepare their end-of-life arrangements in advance.

Your loved one may have a detailed pre-existing funeral or burial arrangement plan. This could include pre-purchased funeral or burial services. If not, consider asking those closest to the deceased, such as a surviving spouse, of any known end-of-life wishes or plans.

Find out if there are any funds to help with the burial

Using your loved one’s end-of-life plans as a guide, start making funeral, burial, or cremation arrangements.

Loved ones who were in the military or part of a fraternal organization may qualify for specific funeral displays and cost coverages.

Certain deceased veterans, for example, may be eligible for Veterans’ burial allowances to help cover the cost of funeral, burial, and transportation.

Prepare for expenses

Be aware that the average cost of a funeral, according to Policy Genius, is over $6,000 to $15,000 or higher. Even if your loved one has funds set aside for funeral arrangements, you might not be able to access them immediately.

This means you or other loved ones may have to cover the initial cost of the funeral. The deceased’s estate will reimburse you later.

Rules about funeral costs

Luckily, the Federal Trade Commission requires funeral homes, directors, and other industry members to follow strict pricing transparency rules. The FTC’s Funeral Rule helps protect consumers dealing with the loss of a loved one.

According to the rule, you must receive an itemized list of funeral home costs. It’s called a General Price List (GPL)—when you visit a funeral facility. Understanding your rights under the rule can help you avoid unexpected costs related to burying your loved one.

Memorials

Many families choose to include a memorial service or gathering of loved ones after someone passes away. Memorial services might offer closure and peace to those who knew the deceased.

However, you are not required to have one, and planning a memorial right after losing your loved one may be difficult.

In that case, you may want to see if another person close to the deceased is willing to take on the responsibility of planning the event if desired.

How to handle estate and legal matters after a death

If your loved one had a medical condition or was on hospice, you may already have their estate planning documents—such as a will—in your possession. If their death is unexpected, you may have to go to their home and look for the documents yourself.

Stepping into your loved one’s home for the first time after they pass can be an emotional experience. You may want to take a trusted friend along to help you deal with the rush of emotions you may face.

It may help to have someone with you when it’s time to look for important estate planning documents, including:

• Wills (Find out more about the importance of a will)
• Powers of attorney
• Trust or legal entity documentation
• Account records such as bank statements
• Debt records
• Identification documents
• Insurance policies
• Birth and marriage certificates
• Recent tax returns

Once the proper legal documents are in your possession, secure the home and personal property of the deceased. Put the necessary legal documents in a safe, secure location until you meet with the estate attorney.

For now, it’s best to keep any documents you find, even if they seem insignificant. Remember, you can always focus on how to declutter paperwork later.

You can contact the post office to forward mail to the estate executor. Do this after you secure the property until after the will reading and the disbursement of the estate takes place.

Forwarding the deceased’s mail allows you to see what bills are due. You’ll also see if there’s any unexpected activity on their credit accounts. That can alert you to deceased person’s identity theft.

Two weeks after death: What to do when someone dies

A week or two after your loved one passes away is often when the bulk of your administrative tasks begin with the checklist when someone dies.

Due to the many things you’ll likely need to do in this timeframe, it’s essential to take time in the first week for yourself. You may want to consider some journaling self care or counseling to help you process your feelings.

Remember, however, as you go through the tasks ahead, it’s okay to take time when needed. Even when things seem to be moving quickly, and you’re wondering what to do when a loved one dies.

Get a death certificate

Two weeks after the death of a loved one is when you should start going through the process of closing accounts, organizing the estate, and initiating probate if necessary.

You’ll need a death certificate for most of these tasks, so starting there is a good idea. Most experts recommend getting 10 to 20 copies of the death certificate. This ensures you have enough certified copies to send to all institutions you have to notify of the death, such as banks or insurance companies.

If you’re working with a funeral home, the director will likely help you secure death certificates from the state. You can also request a death certificate copy from the vital records office of the state where the death occurred.

Talk with an estate attorney or probate lawyer and identify the executor

You may need to talk with an estate attorney if your loved one has a will. Estate attorneys help families plan and execute their estates.

You might also need a probate lawyer. They can help you with the probate process and distributing assets.

For families with a will, the document should name an estate executor or a personal representative for the deceased. Going forward, the executor will likely handle most of the tasks required of the estate.

In many cases, the closest family member is the executor, such as a spouse or eldest child.

Your estate attorney can help you better understand your role if you’re the executor. This can include what steps you need to take regarding the legal proceedings of the estate.

Hire other financial and tax professionals

Consider hiring a Certified Public Accountant (CPA) and other financial and tax specialists to help manage the financial aspect of the estate. A CPA will help you navigate the tax process of funds from your deceased loved one.

Depending on the estate size and what types of accounts your loved one had, you may wonder, “Do I need a financial advisor?” It may be a good idea to hire one.

A financial advisor will aid you in understanding the financial assets of an estate. After distributing funds and assets, your advisor can also help you manage any windfalls that come your way.

For example, your loved one had a significant nest egg in a savings account. You now need to learn how to invest 100k. Working with a financial advisor could make it easier to navigate your options.

Verify the will through probate

Probate is the process of legally distributing assets from the deceased’s estate. Estates with a will generally go through probate to verify the document’s authenticity. With a well-defined will and last wishes, the probate process is usually quick and uncomplicated.

However, if your loved one didn’t have a will, the probate process will likely take much longer. An estate without a well-defined plan for assets could lead to lawsuits between heirs, extending the probate process.

Each state has different laws regarding probate, so it’s often worth hiring an experienced probate lawyer to help you through the process.

Financial and administrative tasks after someone passes away

When deciding what to do when someone dies, you’ll probably wonder what happens to bills (see how to catch up on bills if needed), recurring services, and the physical property of the deceased.

Once the court verifies the deceased’s will, you can begin processing assets, canceling bills, and deactivating the deceased’s identity.

Inventory assets and properties

The probate process often includes an inventory of the deceased’s assets and belongings. This list includes significant assets like real estate and cars, as well as personal belongings such as furniture, jewelry, and clothing.

You may consider hiring an appraiser to help sort through your loved one’s belongings and get an accurate estimate of the value of the assets.

Going through a loved one’s belongings can cause a range of emotions. You might feel raw grief being in their home without them, or you may be able to relive happy memories as you go through their things.

No matter what you’re feeling, inventorying a loved one’s things might be overwhelming. It may be a good idea to take a trusted friend or relative to help you through the process.

Search and record additional assets

You may find your loved one had other non-physical assets that need to be counted in the estate’s value. Generally, these assets include bank accounts, investment accounts, and retirement plans.

This process can take years, depending on how many unexpected assets your loved one carries. Start by searching through safe deposit boxes and filing cabinets in the deceased’s home to find documents related to these accounts. It’s also recommended to check your loved one’s mail regularly for statements from unknown accounts.

Additionally, you can look through past tax returns to understand what accounts your loved one owned.

List bills and debts owed by the deceased

Going through an unexpected bank account after death isn’t the only type of statement you should look for in your loved one’s mail. Your loved one probably had monthly bills, such as utility bills, cell phones, cable alternatives, or cable plans.

Make a list of the ongoing bills and any debt your loved one had at the time of their death. This will help the executor know what needs to be paid by the estate and also give you a list of services that need to be canceled.

Get rid of subscriptions and services

The cost of cable, streaming services, cell phones, magazines, and more will continue to be charged to the deceased unless you cancel the accounts. Using your list of bills, cancel any subscriptions or recurring services of your loved one that are no longer needed.

However, you may want to avoid canceling utilities like power or water for now. This will help keep the home livable while you go through your loved one’s belongings and clean up the house.

Deactivate the passport

If your loved one has a passport, you’ll need to contact the federal government to deactivate it, reducing the chances of identity theft. This might require you to send in the passport with a certified copy of the death certificate.

If you’d like to keep the passport as a memento of your loved one, you can request the passport office send it back after processing the cancelation. This allows you to have a keepsake of past travels and adventures with your loved one.

What to do when a loved one dies: agencies and organizations to notify

In addition to deactivating your loved one’s passport, there are several agencies, organizations, and businesses you’ll likely need to notify of your loved one’s passing. Many of these organizations will require a certified copy of the death certificate to verify the deceased and may have a form you must fill out.

Common organizations and agencies you’ll likely need to notify include:

• Social Security Administration (SSA)
• Insurance companies
• Banks and financial institutions
• At least one credit bureau (TransUnion, Equifax, or Experian)
• Driver’s license authority, such as the Department of Motor Vehicles (DMV)
• Credit card companies

Most agencies and organizations will inform you precisely what needs to be done to cancel or close an account.

However, you can get started with this checklist when someone dies to help you close accounts:

• Contact DMV to cancel their driver’s license, if applicable.
• Close credit cards or remove the deceased as an authorized user.
• Make life insurance claims where appropriate. (Find out more about the importance of life insurance.)
• Terminate other health-related insurance such as long-term care or health insurance.
• Delete or memorialize social media accounts.
• Close email and other online accounts, if accessible.
• Update voter registration status.
• Contact rewards programs, such as hotel rewards or frequent flyer programs, to see if you can transfer rewards to a beneficiary.

Expert tip: Take care of your mental health during this difficult time

Everyone experiences grief differently following the death of a loved one. No matter how you process your loss, it’s important to take care of yourself and get the help you need.

After all, you can’t pour from an empty cup and still be there for family and friends. As you deal with your loss, consider the resources available to you—from talking with close friends to seeking a mental health provider or counselor to help you cope with grief.

How do I notify Social Security of a death?

Generally, the funeral home director will notify the Social Security Administration (SSA) of your loved one’s death.

However, suppose they do not offer this service, or you’re going through a non-traditional burial route. In that case, you may have to contact the SSA to notify them via phone or by visiting your local Social Security office.

Who has power of attorney after death if there is no will?

Power of attorney dissolves upon the death of the person and is no longer valid. Though many people authorize a power of attorney during their lives, giving a trusted family member or representative the authority to act on their behalf if they become incapacitated.

After death, the only person in charge of the estate is the named executor in the will. If there is no will, the local probate court will name a personal representative.

In most cases, the representative is a close family member or friend of the deceased.

What accounts need to be canceled after someone dies?

You may not realize just how many subscriptions, services, and accounts you have until you have to cancel those of a loved one. Common accounts you may have to cancel after the death of a loved one include:

• Bank and financial accounts
• Credit cards
• Mortgage or rental agreement
• Retirement accounts
• Loans such as car loans
• Online payment accounts, such as PayPal or Zelle
• Insurance
• Utilities including electric, gas, water, garbage, sewer, and internet
• Entertainment subscriptions such as cable TV, streaming services, or music subscriptions
• Mail subscriptions, including newspaper or magazines
• Online or software subscriptions like Amazon Prime or online storage
• Memberships to trade unions, gyms, or wholesale stores
• Social media accounts and email

How long do bank accounts stay open after death?

The FDIC will keep insuring the account for 6 months after death. You’ll likely have to provide a certified copy of the death certificate, court documents, and social security number in order to close the account.

If you have a joint bank account with the deceased, you may be able to reclassify the account as an individual account in your name only.

Knowing how to close a bank account is important in this situation.

What happens to a person’s credit cards when they die?

You will need to call credit card companies to let them know your loved one has passed away. Once canceled, the deceased’s estate pays any outstanding balances for a credit card after death.

Do I have to pay the credit card debt of my deceased loved one?

No, in most cases, the executor pays off the debt from the estate’s value, and you do not have to pay the credit card debt. If there is more debt than the estate’s value, the debt goes unpaid.

The exception is if someone shares responsibility for the credit card after death of the cardholder. If you are a co-signer on the credit card, you will likely have to pay off the debt.

However, authorized users on a credit card account are usually not considered responsible parties and don’t have to pay back the debt.

What happens if there is no beneficiary named on a bank account after death?

If there is no beneficiary named on a bank account after death, the account will go through probate law.

However, this can vary significantly based on state and local law, especially if there’s no will from the deceased. It’s good to check with a local estate attorney to learn more about your situation.

Do beneficiaries pay taxes on 401k inheritance?

Yes, if a beneficiary takes the 401k inheritance as a lump sum, it is taxed as normal income, but there are many other rules depending on what you do with the 401k.

It’s best to consult a trusted tax professional to figure out what to do when someone dies and leaves you a 401k.

Can a 401k be transferred after death?

There are rules for beneficiaries with a 401k after death. Most 401k accounts can be rolled into an inherited IRA (individual retirement account), which generally must be emptied in the 10 years following the rollover.

Beneficiaries may also be able to keep the account where it is and withdraw funds over the next decade.

Spouses, however, have additional options when they inherit a 401k after death. A spouse beneficiary can choose to keep the 401k at the current location, roll the balance into their own 401k account, or roll the inherited 401k into an inherited IRA.

There are exceptions and requirements to these options, so it’s a good idea to work with a tax professional or financial advisor to understand better how to handle the money in a 401k.

What is an inherited IRA?

An inherited IRA is an IRA inherited by a beneficiary. Inherited IRAs can be funded by a rollover from an employer-sponsored account like a 401k plan or an IRA owned by the deceased.

Inherited IRAs differ from other types of IRAs because of required distributions. In some cases, the money in an inherited IRA must be fully withdrawn within 10 years of the inherited IRA account being opened.

What not to do after a loved one dies?

There are a lot of common mistakes people make when figuring out what to do when a loved one dies. Some things not to do after the death of a loved one include:

• Feeling pressured to make decisions before you’re ready.
• Spending estate funds without a plan or before probate.
• Not working with an attorney or tax professional.
• Going through the personal possessions of the deceased without a plan.

While there are many practical things you shouldn’t do when a loved one dies, perhaps the most important thing to avoid is not giving yourself time to heal or grieve. The stress and pain of losing someone you love can be overwhelming, especially if you don’t make time for healing.

Articles related to what to do when a loved one dies

If you found this information and checklist when someone dies helpful when dealing with this challenging situation, read these articles next.

• Advantages And Disadvantages Of Life Insurance: Evaluating Your Needs
• What To Do If Your Identity Is Stolen: 15 Key Steps
• How Does Cash Value Life Insurance Work?
• What Is A Revocable Trust And How Does It Work?

Knowing what to do when a loved one dies is difficult but being informed can help

Although difficult, there are many important decisions to make and things to do when a loved one dies. If possible, surround yourself with trusted friends, family members, and support professionals to help make settling an estate more manageable.

Additionally, take time when you need it—you’re going through a major life change, and it’s okay not to be okay.

Sometimes, it helps to have a checklist to help you answer questions and get through things like what to do with a 401k after death or who gets power of attorney after death.

When you’re ready, use this checklist to help you figure out what to do when someone dies and ask for help. And remember, it’s important to know how to nurture yourself and practice attitudes of mindfulness to get you through this difficult time.

The post What To Do When A Loved One Dies: Financial Questions Answered appeared first on Clever Girl Finance.

If you’re searching for the best high paying remote jobs and/or the best remote job sites, you’ve come to the right place! Today, the number of remote jobs has skyrocketed and the shift to working remotely is likely here to stay.

Employees are adapting to working from home and doing so effectively. So, if you’re looking for remote work opportunities, this is a perfect time to do so!

Companies are realizing the large cost savings from having a partial or fully remote team. And the world has fully embraced the change and the possibilities available to you are now truly global.

In this article, we’ll do a deep dive into high paying remote jobs as well as the best remote job sites. We also have a dedicated list of jobs that pay well without a degree.

But first, let’s discuss some of the benefits of working remotely!

Benefits of working remotely

Personally, I have worked remotely on and off for 5 years. I truly love the experience. There are many benefits that come to working remotely. These include:

No commute

We spend a lot of time commuting to work. Some people spend hours on the highway. Others spend their mornings in crowded trains. Whatever the case, working from home gives you your commute time back, which helps make work-life balance more achievable.

Saving more money

Since working remotely, I have saved a significant amount of money. I am making all my meals at home and I’ve discovered that I really can live without my Starbucks latte. Additionally, I have found that I eat much healthier meals at home.

Increased productivity

If you have a good setup at home, you might find that you are more productive. Introverts in particular might find this to be true. At home, you’re in total control of your distractions so chances are, you’ll be more productive there.

Flexible schedule

You may enjoy the flexible schedules that come with work-at-home jobs as well. This means you can start or end their day as you choose as long as you put in the hours or complete your work.

It makes a difference for remote employees who may need to drop and pick up kids off at school or run some errands.

12 Examples of the best high paying remote jobs

Now that you know the benefits of working remotely, you might be wondering which jobs are best. Here’s our take on remote jobs that pay well.

1. Customer service and support

Do you have a knack for dealing with people from different backgrounds? If you do, you may want to consider customer support roles. Almost every company has a customer support team. This team serves as the first point of contact with customers.

As a remote customer service rep, you can expect a salary range between $16 to $21 per hour. In a typical customer service role, you are responsible for answering customer questions and addressing any concerns.

Additionally, you might also help customers with choosing additional services from your company. This is because customer service reps can communicate with customers by email, phone, text, chat, or physical mail.

If you’re in the market for customer support roles, look out for titles such as Customer Service Representative, Customer Happiness Specialist, or Client Services Representative.

2. Virtual assistant (VA)

Are you highly organized and efficient? If yes, you may want to consider becoming a virtual assistant. Virtual assistants are in demand as the world moves to remote work.

Many people hire VAs for a variety of reasons. Leaders in small and large companies need VAs. Entrepreneurs also need VAs as their businesses grow.

There are three skills that are key to excelling as a virtual assistant: organization, planning, and multi-tasking. If you have these, you’ll likely make a great VA!

VAs do a lot of planning things such as travel, meetings, and team events. They also have additional responsibilities that can be really fun such as buying gifts for the team they support.

To get started, you will need to be good with a computer and with the basics of email, Microsoft Word, and Excel. You’ll likely be able to get started for around $18 per hour.

But as you gain more experience, you can charge more. And depending on the industry you are in, virtual assistant roles are remote jobs that pay well!

3. IT support and troubleshooting

The world of IT offers a ton of job opportunities. These include fixing computers, installing software, managing helpdesk tickets and so many more.

Generally, IT jobs require some expertise and training. In large IT companies, training is often provided. However, if you’re flying solo, you can take self-paced courses on sites like Udemy.

There are many companies that are always looking for IT talent. These include SaaS companies, education, health care, and consulting firms. If you’re looking for high paying remote jobs, IT support roles offer an average base salary of $75,876 per year.

Common titles to look out for when searching include help desk analyst, technical support, IT security consultant, systems engineer, systems administrator, and testing analyst.

4. Software engineer

Software engineers are in high demand. It’s notably one of the best high paying remote jobs with an average salary of $117,801 per year as a software engineer.

People in this role spend a lot of time building and growing some of the tech products we’ve grown to love. Their role involves developing software and fixing any bugs associated with a product.

Many industries hire software engineers. These include internet, gaming, IT, consulting, entertainment and so many more. These job postings are in demand today and will continue growing in the future!

5. Web developer and web designer

If you love all things coding, web development, or design may be a great path for you. Web developers build and maintain websites.

They are the brains behind a great looking website and work behind the scenes to ensure that website visitors have a great user experience.

Web development typically takes two forms – namely front-end (building the user interface) and back-end (managing the server). There’s also full-stack development where you tackle both front-end and back-end development.

On a separate note, web design is another related field to web development. However, it is important to highlight that they’re not the same. Web development focuses on the coding aspect and web design on aesthetics.

The two work hand in hand but a web designer typically does not need any coding skills whereas a web developer does.

The Bureau of Labor Statistics reports that web developers and digital designers have a median salary of $80,730 per year. So you can’t go wrong, both are remote jobs that pay well.

6. Content writer

For all the wordsmiths out there, there are many opportunities for you to build a solid career. One way is through content writing.

Today there are billions of websites that are “live” and they all need content. That is where a content writer comes in.

Content writers perform various tasks including creating blog posts, technical papers, email funnels, sales letters, social media content and so much more.

In many cases, writing provides a lot of flexibility because it can be full-time, part-time, or on a freelance basis.

According to the Bureau of Labor Statistics, the median income for a writer is $73,150, making it one of the best paying remote jobs!

The beauty is that there are websites for every niche you can think of! So if you love writing, you can find a role as a content writer that matches your interests.

7. Copy editor

Do you love writing and reading? Then, you may enjoy being an editor. Copy editors check facts, spelling, grammar, and punctuation. They also make sure the materials are easy to read and understand.

Copy editors work in online publications editing magazines, newspapers, and books. In addition, there are many remote work opportunities editing blogs and digital marketing copies.

Editors come from diverse backgrounds such as journalism, communications, marketing, and other related industries. But you don’t need a bachelor’s degree to become one. It’s one of the remote high paying jobs that you can get without a degree.

The Bureau of Labor and Statistics reports that copy editors make about $34 an hour.

8. Educational video instructor

The education and training niches are growing faster each year. In the past, most learning took place in person, but today, education is shifting online.

If you love teaching people new concepts, you can find a remote role as an educational video instructor. It’s another one of the best high paying remote jobs with an average salary of $52,513 per year.

Companies use video tutorials to demo their products or to answer FAQs. They will often hire a video instructor to do this. If you’re comfortable in front of a camera and love teaching, this could be the perfect next gig for you!

9. Social media manager

More than half of the world now uses social media, naturally, businesses also use it to connect to their audience. That’s where social media managers come in. In this role, you’ll create social media posts, engage with the audience, and more.

Managing and growing a social media presence is a sought-after skill, which makes it one of the best paying remote jobs. You can make a salary range anywhere from $24 to $47 an hour as a social media manager.

Learn how social media platforms like Facebook, Instagram, Pinterest, or Twitter work and you can start offering it a service.

10. Project manager

Project management is another one of the remote high paying jobs that’s becoming common in many sectors like software development, digital marketing, and research.

A project manager’s main responsibility is to ensure the completion of a company’s project. Some of the tasks for the role include developing a detailed plan, defining the scope of the project, and coordinating activities with team members.

Conveniently, most of the tasks can be done remotely. Project managers make around $55,000 a year. Not bad at all, right?

11. Video editor

Brands, companies, and content creators use videos to attract customers and audiences online. So, with creativity and the necessary technical skills, you can be a video editor and snag one of these remote high paying jobs.

Video editors use software to edit video footage into visually appealing final product. The videos are used in websites and social media platforms like YouTube.

Additionally, there are remote work opportunities for video editors in marketing agencies, digital publications, movies, and television. In this role as a video editor, the average income is at $59,523 per year.

12. Data analyst

Businesses track and compile various data to measure sales, inventory, and so much more. It’s the data analyst’s job to make sense of it all.

Data analysts review and evaluate data to simplify them. Then, the analyst creates a report that companies use to make important business decisions. Now, you see why data analysts is one of the best high paying remote jobs with an average yearly salary of $80,429.

Analysts typically have a bachelor’s degree in Computer Science, Mathematics, Engineering, or any related study. Those who have specialization or a master’s degree command a higher pay, of course. Most work in IT, retail, pharmaceutical, and finance.

Expert tip: Apply to remote jobs the right way

The process of finding and applying for high paying remote jobs is a little different than getting a regular job. As you can imagine, job sites get lots of applications for a single position.

First, make sure you’ll looking for postings at remote job sites. Then, tailor your resume for remote jobs. Mention previous remote or hybrid job experiences and highlight skills that show you can be an effective remote worker.

It doesn’t hurt to update your LinkedIn profile to show your openness for remote work opportunities either.

12 Best remote job sites

We’ve outlined examples of the best high paying remote jobs but you may be wondering what the best remote job sites are.

The internet is a hive of activity. Undeniably, some searches for jobs and opportunities will turn out to be scams.

To prevent that, we’ve put together a list of the best remote job sites you can visit to find remote work today! Check it out below.

1. FlexJobs

Since 2007, FlexJobs has been one of the best remote job sites to find work-at-home opportunities. The platform is thoughtfully curated and features legitimate remote jobs. Not only does the site show remote jobs, but it also shows freelance work and onsite gigs.

FlexJobs fully vets remote work opportunities before posting them so you won’t have to worry about scams. In addition, they closely monitor new postings to ensure you’re getting access to the best jobs available in the market.

2. Remotive

True to its name, Remotive’s mission is to help tech professionals work remotely. It is one part job board, one part newsletter, and one part community.

You can easily filter the remote jobs list by category and key experiences required. Once you log on to the site, you will see that the company refreshes content daily. Bonus perk? Their site is free.

3. Hubstaff Talent

Hubstaff Talent is a completely free way for companies to find remote talent across the globe. There are thousands of clients that visit the site in search of high-quality freelancers.

Gigs can be full-time, part-time, or fixed price. This site is great whether you’re looking for a full-time job or for a side hustle.

4. We Work Remotely

With over 13,000 jobs posted, We Work Remotely is the largest remote community in the world. The site has over 2.5 million monthly visitors per month and showcases jobs spanning many fields such as customer support, marketing, and programming among others.

Companies such as Google, Amazon, and Basecamp all use the site to find good candidates.

5. Jobspresso

Unlike many sites that aggregate job listings, Jobspresso takes a completely different approach. It’s one of the best remote job sites because the company handpicks all the jobs posted in their listings. As a result, you can rest assured that the jobs are real.

One reviewer on their site said that Jobspresso “has curation down to a science.” Their positions are from all industries so there is something for everyone!

6. Upwork

Upwork is a great freelancing platform where job seekers can find diverse remote jobs that pay well. To start your job search, you’d need to create a profile.

Make sure to highlight your skills and years of experience and show your portfolio. Then, search their marketplace for the work you’re looking for.

It’s free to sign up and create a profile on Upwork. But it’s a full-service platform where you can secure jobs and receive payment. And they take a cut out of your earnings for it.

Don’t let that deter you, Upwork is still one of the best remote job sites to find your first work-from-home job.

7. Virtual Vocations

Virtual Vocations is a job board that features over 45 work-from-home career fields from accounting to writing. It’s a family-owned company run by an entirely remote team. Virtual Vocations prides itself on providing human-reviewed online job openings.

They also share great tips and resources to help in your job search on their blog. All of which makes them one of the best remote job sites in our book.

8. Amazon

Amazon is now the largest online marketplace in the world. The company sells goods across every category imaginable from books and movies to outdoor items.

According to its LinkedIn page, the company employs over 415,000 people. If you love retail and e-commerce, Amazon could be a great place to work!

Amazon offers a wide array of jobs – full-time, part-time, and remote positions. Jobs range from operations and order fulfillment to IT and web services roles. See Amazon’s current remote job openings here.

9. Pearson

Pearson is an international learning company with headquarters in London, UK. The company offers educational training materials for those taking standardized tests.

At Pearson, remote work is available to 51% of the company and that number is likely higher now due to COVID.

Roles are on a full-time, part-time, or seasonal basis. Although the core mission of the company is education, many of the roles available cover multiple disciplines.

For any prospective job applicants – the leadership team values communication and technology skills!

10. Cybercoders

Cybercoders is a top recruiting company headquartered in Irvine, California. The company provides recruiting services to professionals in accounting, engineering, finance, legal, sales, operations, tech, and more.

Their advanced technology and efficient recruiters help to quickly match candidates to the right job opportunities.

The company prioritizes speed and efficiency in its recruiting process and is definitely worth checking out!

11. Kforce

A top staffing and recruiting company is Kforce. The company has been around for 45 years and offers remote flexibility to its staff.

Kforce provides recruiting solutions to companies in finance, healthcare, and government and can be a great place to grow a career in recruiting.

12. Randstad

Randstad, another well-known staffing agency, is a truly global company. With close to 5,000 branches worldwide, the company is now the world’s second-largest staffing company.

Its clients are from diverse industries and include numerous Fortune 500 companies.

What is the highest-paying remote salary?

When it comes to the highest paying remote salaries, it’s safe to say that there are many remote jobs that pay well above $100,000. Of course, salaries depend on many factors such as qualifications, experience, the industry, and the job itself.

Some of the top highest paying remote jobs include jobs in IT like software engineers and web developers, coders or data analysts.

How can I make $100,000 a year working a remote job?

If you want to make $100,000 a year, the first step is to research industries and jobs that pay as much. For instance, remote jobs in marketing, tech, and healthcare offer high salaries and great benefits.

Next, learn the skills necessary to get the remote job you want. In addition, consider taking additional certifications, developing expertise in one area, or getting a master’s degree to have a competitive advantage.

What is the highest-paying remote job with no degree?

Salaries for many high paying remote jobs depend on a person’s expertise and how much a company values those skills.

Job positions like virtual assistants, customer service representatives, content writers, and social media managers require no degree and can earn a very decent income. Rest assured, you can get a remote high paying jobs without a degree.

What are the best sites to apply for remote jobs?

The best sites to apply for remote jobs include Flexjobs, Upwork, Virtual Vocations, Hubstaff Talent, We Work Remotely, Jobspresso, and Cybercoders. You can also try Amazon, Pearson, Kforce, and Randstad.

Articles related to remote jobs

If you’ve enjoyed this article on the best high paying remote jobs, check out this related content:

• The 30 Best Work From Home Jobs To Earn More Money!
• Tips For Working From Home And Sticking To Your Budget
• 18 Of The Best Online Part-Time Jobs From Home
• Tips For Working From Home And Sticking To Your Budget

Find your next high paying remote job today!

Whether you’re looking to save some time, save some money, or be in charge of your own schedule, there are many high paying remote jobs that you can apply for.

And the best thing is that these best paying remote jobs are available across a wide range of industries. Utilize our list of the best remote job sites to find a job that suits you!

The post The 12 Best High Paying Remote Jobs And Remote Job Sites appeared first on Clever Girl Finance.

Let me guess: You’ve searched Google trying to find the best work from home jobs and the results were overwhelming. Working from home is now both a necessary and popular option for many, but there don’t seem to be enough opportunities.

Every now and then, you read legitimate stories of how people radically changed their lives with the best work from home jobs. You know it’s possible, but how? Well in this article, you’ll learn just how to find your own perfect job so you too can start making money online today!

When you check out the remote job market, some look like scams, and others ask for payment. And the rest ask for skills you simply don’t have. Meanwhile, you’re seeing a ton of people post about how they made $20,000 this month while sitting in their PJs at home. So how do you navigate through the confusion of finding a legit work from home job?

Well, whether you prefer to work alone, are a stay-at-home mom, or a teenager looking for ways to make money, we’ve got you covered! PS We also have a dedicated list of jobs that pay well without a degree.

Benefits of work from home jobs

The gig economy is booming. In fact, more than one-third of the US workforce participates in the gig economy (that is 36% to be precise). In real numbers, that works out to 57 million people!

It is clear that this movement is here to stay, and culturally, work arrangement thinking is changing fast. The advancement of technology is a major factor in teleworking.

Plus, people are more mobile and therefore able to participate in the workforce independent of their location. Shared economies such as Uber and Etsy are dominating their markets presenting more and more opportunities for everyone to get a share.

These stay at home jobs have many unique benefits including:

1. You can set up a home office the way you want with a work from home job

Not into working from a cubicle with an uncomfortable rolling chair? Have you always wanted a standing desk but your employer never supported such arrangements?

Working remotely from home lets you customize your workspace the way you really want. No questions asked. No one to explain yourself to.

It makes a world of a difference if your work environment influences your creativity and productivity.

2. Work from home jobs give you the freedom to wave goodbye to office politics

An often unpleasant part of a regular day job is navigating the waters of office politics. In some roles, this isn’t an issue, but in others, politics can really ruin what is an otherwise pleasant field of work.

Stay at home jobs free you from the politics in the office, rigid hierarchical structures, and the stress that can come with such a role.

3. Work from home jobs mean your office can be anywhere you want

Related to the above, your office can really be anywhere. As unrealistic as it may seem to see people working from the beach, the best work from home jobs make this possible.

You’ll have the flexibility to work from any location – coffee shops, home, library, outdoors, car. Pretty much wherever you like!

4. You save more money with a work from home job

Work from home arrangements come with cost savings benefits in categories such as transport and even food. With no need to commute anywhere daily and the ability to eat at home, you’ll save money.

You can also look for top paying jobs from home to add to your income. As a result, you are in an advantageous position to accelerate achieving your financial goals.

5. You learn new skills with a stay at home job

While it may be less convenient to no longer have colleagues whose brains you can pick on the fly, as you work from home, you’ll gain really valuable skills.

You may find yourself making simple changes to the backend of a website or running social media campaigns that you previously knew nothing about! Whatever the case, embrace the process and learn as much as you can because you will likely use it again in other endeavors.

6. You experience a more flexible schedule with a work from home job

With less focus on face-time and 100% focus on producing results, working from home can give you the flexibility you need to control your own schedule as long as you finish what you set out to do.

If you’re a night owl, freelance jobs from home help you work in your productive windows with no disturbances and without a need to start your workday at 9 am. You can also take breaks as you need to and run errands during the day that you otherwise would not have been able to.

30 Popular online jobs anyone can do

The following suggestions are great work from home job ideas. There are different requirements based on the job, but many of them are easy to get into.

1. Virtual Assistant

As the gig economy grows, more and more people are scaling their businesses, and many need an additional hand to help them manage routine tasks while they focus on growing their companies.

If you’re a ninja at organization, a great communicator, and are self-motivated, then a virtual assistant position may be just what you need. Typical tasks include schedule planning, email management, answering phone calls, data entry, booking travel, and managing social media.

Experience required: Organization and basic computer skills to get started.

Recommended places to start: Check out this course that will help you set up your Virtual Assistant business in the next 30 days, and sites like Upwork, FlexJobs, and Remote.co.

Average salary: $17.84 an hour.

2. Online ESL tutor

The internet opened up a ton of opportunities including the ability of two people on different continents to communicate live. Fluent English speakers can teach others looking to brush up their English skills.

As an ESL teacher, you will be able to teach English to clients in places such as Hong Kong, China, and the Middle East who are looking to improve their career prospects by learning English. Lessons can be conducted via Skype or through software belonging to agencies that hire tutors for their clients.

Experience required: Bachelor’s degree and fluency in English.

Recommended places to start: Legitimate online sites such as VIPKid and Teach Away.

Average salary: $10-20 on average per hour.

3. Proofreader

If you love catching grammatical errors in writing, proofreading may be the online work you need. Proofreading skills are useful in many arenas – from transcripts for court reporters to the world of book writing.

Proofreaders take the time to read through articles and writing before it is finalized. They check for errors and anything that looks off about the writing. Some bloggers also hire proofreaders to edit the content on their sites to ensure that it reads well and is error-free.

While proofreading may not make you a ton of money, it can certainly boost your income and even allow you to travel the world or make big purchases.

Experience required: None.

Recommended places to start: Check out resources like Proofread Anywhere.

Average salary: $22.38 per hour.

4. Blogger

Over the past decade, blogging has grown extremely popular as one of the best work from home jobs for people who enjoy writing. It gives you the opportunity to share information with an audience that is interested in your topic.

Starting a blog today has never been easier. You can have a site up and running within minutes. Your own computer and internet connection can make blogging one of your freelance jobs from home.

If you’re a new blogger, you may find yourself caught up in trying to figure out the perfect name, color scheme, WordPress template, etc. Instead of getting stuck on the technicalities or the look of your blog, focus on building great and helpful content.

Experience required: None.

Recommended places to start: We absolutely love the resources on YouTube.

Average salary: Unlimited, anywhere from $0 – > $10,000 / month and beyond.

5. Freelance writer

Many blogs and websites hire writers to put together content for them. This includes blog posts, specific web pages, or any other long-form content related to their business.

Freelance writing is a great service to provide and demand is expected to grow as more and more businesses go online. Plus, you’ll have the chance to make your own hours.

Experience required: None.

Recommended places to start: Explore local businesses in your area that may be in need of writers, join Facebook groups, and market your services on LinkedIn.

Average salary: $50+ per article.

6. Social media manager

Social media accounts went from a guilty pleasure to a mandatory part of every business over the past few years. The quickest way to engage with your audience is through social media channels such as Pinterest, Facebook, and Instagram.

Curating a perfect Instagram feed or finding group boards to join can be very time-consuming for business owners, so many will hire a dedicated social media manager to do digital marketing.

To start, it will be helpful for you to know and understand what an audience in your client’s niche is drawn to. Are they looking to be inspired, motivated, or educated? Job responsibilities include curating the content, tracking engagement, and making tweaks to the social media strategy.

Experience required: None.

Recommended places to start: Familiarity with how different platforms work, responsive attitude.

Average salary: $56,611 a year.

7. Data entry clerk

Data entry jobs tend to be all over the internet but as you browse through them, you need to be really careful to avoid scams. These jobs will by no means make you rich so they should ideally be considered as supplemental income.

Data entry jobs are one of the best entry level work from home jobs where you are behind a computer or laptop, and you input data – numbers or any other information such as phone logs into a database. Be sure to cultivate skills such as organization, attention to detail, and teamwork.

Experience required: None.

Recommended places to start: Check out Clickworker.

Average salary: $10 to about $17 per hour, with the average being $15.43 per hour according to Payscale.

8. Resume writer

Many job-seekers don’t have the time or the adequate skills to put together a well-crafted, interview-winning resume. This is where a professional resume writer comes in who can put this together in good time.

If you’re wondering how to get started, putting together resumes for friends and family is a great way to begin, in addition to selling your services on online marketplaces. You can do this type of remote work part-time or full-time once you get enough clients.

Experience required: Understanding of hiring practices in a corporate environment and good writing skills.

Recommended places to start: Edit resumes for people you know, and find clients on sites like Upwork.

Average salary: $33,457 – $43,785 annually.

9. Graphic designer

If you’re creative, you’ll love working on graphic design projects. Armed with some creativity, motivation, and minimal design skills, you can have a thriving graphic design side business.

The key thing to remember with graphic design is that while technical skills can be developed over time, developing a “good eye” for colors, elements, and themes will be what sets you apart.

In addition, while there are many creatives out there, only a handful are well versed and comfortable with marketing their services, so to set yourself apart, polish up on your design skills, and equally importantly, learn how to sell yourself.

Experience required: No design school necessary, but pros depend on tools such as Adobe Illustrator and Photoshop.

Recommended places to start: The Graphic Design School Book or a Graphic Design Bootcamp or sell your work on sites like Etsy, RedbubbleCreative Market or Zazzle.

Average salary: Approximately $50,206 a year.

10. Website designer

It’s no secret that almost every business needs to have a web presence to be competitive today – it’s the primary “home” for many businesses and this creates a lot of opportunities for web designers. So website designing is a great freelance jobs from home option.

Businesses needing web design services come in all shapes and forms – from doctors’ offices and law firms to e-commerce stores and bloggers.

The one thing they all look for is an on-target web experience that speaks well to their target audience and results in the conversions, subscribers, or sales they are looking to achieve.

Experience required: Knowledge of programs such as HTML and CSS.

Recommended places to start: With a book on designing and building websites.

Average salary: $67,800 as a freelancer.

11. Customer service contractor

Recently, some companies have been shifting much of their workforce into remote positions, and often, customer service jobs fit the bill for this type of change. Customer experience is very important, and businesses want to know that their clients are receiving great help.

For this role, you’ll likely answer telephones, book appointments, help clients, and do administrative tasks. It can be one of the best work from home jobs to do with kids at home.

If you’re really ambitious, you can establish your own Customer Service company that hires other customer service representatives. Hire your employees out to organizations looking to ramp up their customer service teams.

Experience required: None.

Recommended places to start: Job sites such as Flexjobs or Craigslist.

Average salary: $10 to about $17 per hour, with the average being $15.43 per hour according to Payscale.

12. Online store owner – Etsy/eBay/Amazon

If you’re skilled in making things with your hands, you can sell your items online. Or make and sell things from home such as digital products and printables that your customers can download using your store. It’s one of the best work from home jobs if you are entrepreneurial.

If you’re not an artisan, online stores are still a great option for you. Marketplaces such as Amazon and eBay can be great places to sell items ranging from electronics to books, and pretty much any product customers may need.

The beauty of these marketplaces is that you don’t have to have an existing audience to start making money. The key instead is to focus on building great products, taking really good photos, and ensuring that you have the right keywords and good descriptions in your listing. You just need a laptop and a good attitude.

Experience required: None.

Recommended places to start: Join Facebook groups related to the specific platform, check out Etsy, and gather information from blogs and books.

Average salary: Unlimited, making this one of the top paying jobs from home. It will however likely require some start-up costs.

13. Appointment setter

Do you enjoy talking on the phone? Are you great at getting answers to questions and quick thinking? You could be well suited for the job of appointment setter.

To be an appointment setter, you’ll need to set up appointments between the company you work for and clients, and this may include cold calling. You want to help the company make sales so it’s best if you are good with details and like to get results.

Experience required: Communication skills and sales are both helpful.

Recommended places to start: Try LinkedIn or sites like Indeed or ZipRecruiter.

Average salary: Talent.com reports approximately $18.75 an hour.

14. Online juror

And you thought jury duty was just an inconvenience! Turns out, this is one of the legitimate stay at home jobs! If you want to do something that is unique yet interesting, this could be your gig.

Online jurors get paid to be part of mock trials. You will be presented with evidence and then asked for your decision to help lawyers and attorneys prepare their cases. So if you’re interested in law and enjoy reviewing information, try this out.

Experience required: 18+ years, US citizen, no criminal record, literate, and able to make judgments clearly, according to Indeed.

Recommended places to start: Try out ejury.com or Resolution Research to start.

Average salary: Generally up to $60 per case, though rates can vary a lot.

15. Event and wedding planner

If you’re great at organizing, schedules, phone calls, and giving instructions, then event and wedding planning might be for you. It can be fun to help people create a special day or event, and you can get paid for it!

You can do this online by setting up appointmentns and communicating with people via email and phone. While most events will require you to be there for the day of the party, there may be exceptions and you can simply handle all the planning up until the party.

Advertise yourself as a virtual event planner and offer services online, including Zoom meetings, schedule creation, vendor contacts, etc.

Experience required: None, but some organization and planning skills are important.

Recommended places to start: Your own website, and gather information from sites like Eventbrite.

Average salary: Approximately $50,400 annually.

16. Investor

Unless you have quite a bit of start-up capital, investing is one of the best entry level work from home jobs that will take quite a bit of time to become a full-time income. So begin investing slowly after research. You may choose mutual funds, ETFs, REITs, or other investing options.

Your investments will grow over time until you make an income from dividends or interest. When this replaces your income, you can cease working a regular job and begin living off investments as one of the top paying jobs from home.

Experience required: None, but some knowledge about investing is important.

Recommended places to start: Fidelity Investments or Vanguard are good options to begin with.

Average salary: Varies depending on dividends, interest rates, and the amount you invest.

17. Coach

Becoming a coach will allow you to work flexible hours and work in a field you enjoy with clients you choose. There are many types of coaches, from career coaches to financial and more, and it’s one of the best work from home jobs for anyone that enjoys teaching and motivating others!

If you’re qualified and know a lot about a subject, you may be able to take on some clients as a coach and help them to excel in whatever you specialize in. Be sure to get any necessary certifications and training first.

Experience required: Depending on the type of coaching services you offer, you may need a degree or certification.

Recommended places to start: Your website, social media, and networking can help.

Average salary: Extremely varied depending on the work you do and the rates you set.

18. Accountant

This requires some job training and a love of numbers. But if you don’t mind the work, it’s one of the best work from home jobs for people who love math. Being an accountant is a great work from home job, and it’s pretty lucrative.

Experience required: CPA license, and a bachelor’s degree in a related field may help.

Recommended places to start: Check Indeed or LinkedIn for job opportunities, or advertise to get your own clients.

Average salary: Around $62,291 on average.

19. Transcriptionist

A transcriptionist job is well suited for people who are very good typers and can work in a quiet environment. Transcriptionists listen to recordings and then type out what they hear. The work isn’t too challenging but it may be very time-consuming.

This might be a great idea as a part-time job. It’s a good way to make easy money while working from home.

Experience required: Typing skills are helpful and you may need some computer equipment.

Recommended places to start: Try out sites like Rev that specialize in transcription.

Average salary: According to the Transcription Certification Institute the usual pay is about $19.58 an hour, though you can make more with experience.

20. Translator

If you’re bilingual you can find work as a translator. If you enjoy reading and are fluent in multiple languages, this can be a fun and lucrative job. You will spend your time translating documents from one language to another in most cases.

​Experience required: Fluency in multiple languages, sometimes a bachelor’s degree.

Recommended places to start: Try out Gengo or sites like Blend Express to begin.

Average salary: $61,786 a year according to Salary.com.

21. Travel agent

Do you find flight and hotel deals all the time? Are you great at planning out trips and booking accommodations? You would make an amazing travel agent, which can be one of the most exciting and rewarding freelance jobs from home. 

This type of job can be done for a company, or you can work on your own if you prefer that. If you enjoy helping people and planning amazing vacations, this job is for you.

Experience required: A high school diploma and computer and communication skills help.

Recommended places to start: Check out ADTRAV to work with a company or start your own business.

Average salary: A little over $18 an hour.

22. Cyber security professional

If you have a technology background and the right experience, you can work in cyber security from anywhere. You’ll help protect businesses from cyber-attacks. This job is definitely in demand and not going anywhere anytime soon, so it’s a great career choice.

Experience required: A degree is helpful but not always necessary; you do need training, though.

Recommended places to start: Check out ZipRecruiter, FlexJobs, Indeed, and other job sites.

Average salary: You can earn $120,000 a year or $57.69 per hour usually, making this one of the top paying jobs from home.

23. Therapists

There are lots of different therapist roles that you can explore as a work from home career option, if helping people is something that you have a passion for. Occupational therapists, cognitive behavioral therapists and divorce therapists are all popular services that people require.

Specializing in certain areas such as mental health will allow you to build up a reputation and charge more for your time. You could even consider setting up online group therapy sessions in your area to support the local community. 

Experience required: You’ll need prior experience as either a social worker, psychologist or psychiatrist before you can work as a therapist from home and a relevant degree and master’s degree.  

Recommended places to start: There’s a requirement to complete a certain number of clinical hours in your chosen field before you’re allowed to work with patients directly. The number of hours varies depending on your state, so check out the requirements before applying for jobs. 

Average salary: Remote therapists earn a respectable $82,268 per year. 

24. Software engineer

Working remotely as a software engineer is an appealing career choice for lots of people. A good computer and reliable internet connection will allow you to work from home, write code and collaborate with colleagues and clients online. 

Choose your own hours, achieve a better work-life balance and get paid to do something you’re good at. What’s not to like? 

Experience required: You can be a self-taught programmer and still get your first developer job without a degree. You might need to pass a code test though.

Recommended places to start: Freelancing is a great way to get software engineer roles. Platforms such as Upwork and Guru are good places to start. 

Average salary: How does earning $130,143 a year sound? Even entry level remote software engineer positions start at $110,000 annually. 

25. Bookkeeping

If you’re happy working with numbers, bookkeeping is one of the best work from home jobs out there. What’s more, it’s a position that is continually in demand because all businesses need to have control of their finances. 

In this role, you will record financial transactions, process payments, conduct banking activities, produce financial reports and more. 

Experience required: The good news is that you don’t need any specific experience to work as a remote bookkeeper, but formal certification from the National Association of Certified Public Bookkeepers (NACPB) or The American Institute of Professional Bookkeepers (AIPB) may help you land a job. 

Recommended places to start: Remote job boards and LinkedIn have hundreds of bookkeeper jobs. All you need to do, is find the right one for you. 

Average salary: You can expect to earn between $35,948 and $43,149 per year as a remote bookkeeping in the US.

26. Recruiter

If you like providing a solution and are good with people, one of the most rewarding stay at home jobs on the market is a recruitment advisor. 

You’ll work closely with employers to understand their ideal candidate before searching for potential matches, screening and shortlisting them before the interview stage. Building relationships with a pool of high-quality candidates is the key to success in this role. 

Experience required: There is no specific experience that you need to be hired as a recruiter. Having the right skills and attitude is what you need to do well. Some specific skills include good communication and listening skills, marketing and sales skills as well as relationship building skills.

Recommended places to start: Growing your network of contacts is one of the best things you can do before applying for recruitment jobs. Remember to sell yourself on your resume and LinkedIn profiles to impress potential employees.

Average salary: Average earnings is about $55,268 per year. Recruiters have great earning potential. It’s the type of job that you will be rewarded for based on your efforts.

27. Project manager

Project management is an excellent job choice if you need work that provides flexibility to suit other lifestyle commitments. It’s a challenging and rewarding career that has tons of possibilities for advancement if you’d like more responsibility (and money).

Teamwork, communication and leadership are essential skills for a project manager. If you feel that you tick these boxes, there’s nothing stopping you from securing one of the best work from home jobs out there as a project manager.  

Experience required: It can be difficult to land your first job in project management, but some experience in a related role and Project Management Professional certification (PMP) will help you get started in the field. 

Recommended places to start: LinkedIn is a reputable job board that lists thousands of project manager jobs. 

Average salary: Project managers tend to be well-paid, with an earning potential of $87,694. 

28. Voiceover artist

Commercials, TV, audiobooks, radio and film need voices to read scripts and play different characters. As a voiceover artist, no two days are the same in this job as you will often be working on several projects at once. And thanks to modern technology, this is easily a job that you can do from the comfort of your own home. 

Experience required: You don’t need any experience to secure your first gig as a voiceover artist, but an audible, clear voice and the ability to influence an audience is a must. 

Recommended places to start: The best way to get into this industry is by connecting with production companies and keeping a close eye on their vacancies. Freelance websites like Upwork also have several voiceover opportunities.

Average salary: Highly experienced voice actors can earn an impressive $199,000 per year, easily making it one of the top-paying jobs from home. Even entry level positions pay a respectable $31,999 annually. 

29. Contract drafter (Clarifying contracts)

Business deals happen on a daily basis, and somebody needs to draft the contracts for both parties. 

As a contract drafter, you will define deal terms, eliminate ambiguity, address issues and produce a legally binding document. You’ll have many roles in this job, making it challenging yet extremely rewarding. 

Experience required: Strong writing experience is a must for this role as it’s your responsibility to ensure a contract is compliant, clear and concise. There are also contract drafting courses that you can go on to improve your skills in this area. Legal knowledge is helpful but not required as all contracts should be reviewed by a lawyer. Keep in mind that many business lawyers offer contract drafting as part of their services.

Recommended places to start: Job boards such as Upwork and Glassdoor list contract drafting opportunities for freelancers to apply for. You may find that these jobs look for proven experience though, so if you’re just starting out you could also approach companies directly and offer your services. 

Average salary: Average earnings are $45,330 but you can make up to $61,000 with experience. A contract drafter is one of the top-paying jobs from home because of the legal insight you need to draft contracts.

30. Book editor

An editor’s main job is to make a book the best that it can be. From fact-checking to removing spelling and grammar errors, you’ll need a keen eye for detail to succeed in this role. 

It’s a fast-paced and exciting career path that you can do remotely. One day you might be reading a pitch for a book, the next you could be speaking to the author and agent! 

Experience required: Many people have a degree in a related field such as journalism or creative writing, but it’s not essential. The experience required will depend on the type of books you want to edit and your employer or client. That said, knowledge of the publishing industry is a great start! 

Recommended places to start: If you don’t already have a solid grasp of the written word, brushing up on your skills is a good place to start. Then find junior editorial and publishing roles to get some experience before working your way up and applying for more senior positions. 

Average salary: Book editors earn approximately $50,335 a year, but you can make more money depending on the types of books you work on and your experience. 

Expert tip: Reach out to work from home friendly companies

When it comes to finding the perfect remote role for you, you don’t have to rely solely on online job boards. Instead, be proactive and research which businesses offer work from home positions, even if they are not actively looking. 

You can do this by using job search engines to create a list of companies that offer work from home opportunities. Once you have your list, contact the company directly about a vacancy you’re interested in and ask if they would consider making the role remote.

It’s perfectly fine to get in touch with a company that you’d love to work for that doesn’t have any active vacancies and express your desire to work for them remotely. 

Where to look for the best work from home jobs

Knowing where to start looking for the best work from home jobs is sometimes the hardest part, especially when there are job scams around. 

Here’s a round-up of the most popular, genuine sites.

FlexJobs

Remote job boards mitigate the risk of work from home jobs because they screen employers for you. 

FlexJobs is a very well-curated site for freelance jobs as well as remote and other flexible jobs. Roles are sorted by the type of job you may want, and you won’t have to worry about scam postings because they research the jobs and monitor new gigs pretty thoroughly.

Just Remote

When searching for remote jobs, it’s important that you understand the country and time requirements before applying. Just Remote clearly highlights these in each post, allowing you to sift through the results quickly. 

We Work Remotely (WWR)

WWR list a vast range of work from home positions, across all industries. Its clean, simple website will help you secure remote employment in no time. 

LinkedIn

Did you know that LinkedIn has over 15 million job roles listed on their site? It’s a great place for job seekers to look for remote work! Use the advanced search functionality to narrow down the results to work from home opportunities only. 

Google search

Search engines will often pull up job listings from less common websites, showing you remote roles that you might not have come across otherwise. 

Contact businesses directly

If a company employ remote workers, the chances are that they will have something come up in the future. If it’s a business you want to work for, there’s no harm in getting in touch with them and showing your interest in future positions. 

How to avoid online job scams with freelance jobs from home

Scams around work from home and freelance jobs from home are a dime a dozen online. It’s understandable that many people are wary of them.

If you’ve been out of work for a while, you may be more vulnerable to scams but the key to avoiding any pitfalls is to trust your instinct on any opportunities that present themselves.

How to spot a scam

Key indicators of scams include requests for payments, pushy and overly insistent recruiters, and an unrealistically high salary for the amount of work you will put in.

Others like weird-looking contact information such as jane@amazonishiring.com, or an immediate offer for work without any formal interview or recruitment process are also red flags.

Additionally, it is very important to do thorough research on any company offering promising work from home jobs. Especially if they are not a widely known company.

Are stay at home jobs legit for making money?

In a nutshell, yes stay at home jobs can be a legit way of making money. Working from home through an online job is possible and legit. However, that doesn’t mean it’s easy.

Behind all the success stories of people making a really good income from their online endeavors are countless hours spent learning a new craft or running an online store.

In many cases, it presents a much higher earning potential than a regular 9 to 5 job. The key is to put in the work.

What job makes the most money working from home?

Without a doubt, tech jobs are some of the highest-paid jobs that make make the most money working from home that you will come across. 

Product Managers in particular can earn over $100,000 from the comfort of their own home. To earn this high salary, product managers are responsible for training, organizing and directing a team to create a product or software. 

Fancy a job as a product manager to earn some decent money? You will need a bachelor’s and master’s degree in a field such as economics or computer science and excellent research, data analytics, roadmapping and prioritization skills. 

How much does Amazon pay for work from home?

When it comes to work from home pay, Amazon’s pay will depend on the position and required skills and experience. On average, you can expect to earn $16 an hour. 

Amazon employs a variety of roles that offer remote working, from customer services to human resources, recruiting and marketing.

So, what’s it like to work for a global business like Amazon remotely? The company is known for its competitive pay and benefits packages. Other benefits such as medical care and vision insurance may be included depending on the role. 

You can sign up for job alerts Amazon’s website so you don’t miss out on opportunities.  

How can I make $80,000 a year working from home?

Thanks to flexible working opportunities, it’s totally possible to make $80,000 or even more working from home. 

Remote jobs that pay $80,000+ include: 

• Mental health therapist
• Programmers
• Software engineer
• Senior project manager
• Cyber security specialist 

Alternatively, you could have a few work from home jobs that will easily make $80,000 combined. For example, you could freelance as a transcriptionist and a copywriter. There are no earning limitations for either of these roles, so the more work you take on the more you earn. 

Can I work from home with no experience?

You can absolutely work from home with no experience! Lots of people do. Making decent money from home doesn’t mean you have to have years of experience behind you. 

And because there are so many opportunities out there that don’t require a previous work history, you can choose something that you’ll enjoy doing.  

Some of the best entry level work from home jobs with no experience are: 

• Administrative jobs 
• Customer service jobs 
• Writing jobs 
• Tutoring jobs
• Translation jobs 

Articles related to working from home

If you found the ideas in this article on the best work from home jobs useful, check out this related content:

• Tips For Working From Home And Sticking To Your Budget
• The Best High Paying Remote Jobs And Best Remote Job Sites
• Here’s What To Do With Your Old 401k
• Is Working Two Jobs Worth It? What To Consider!
• 19 Of The Best Night Shift Jobs To Earn Extra Cash

Leverage these stay at home job ideas to achieve your goals!

Earning some extra cash with stay at home jobs or freelance jobs from home can be a nice boost to your income. However, it’s important to make sure you leverage the extra income you are earning to reach your financial goals.

So start investing in yourself through books, personal finance courses, podcasts, etc. They are a great way to start acquiring the knowledge you need to use your earnings to build long-term wealth for you and your family.​

The post The 30 Best Work From Home Jobs To Earn More Money! appeared first on Clever Girl Finance.

Retail therapy might be your old standby, but that doesn’t mean it always has to be. Instead, consider a more minimalist and classic wardrobe to protect your budget and your closet space. Whether you go for a strict capsule wardrobe, choose to become a fashion minimalist, or simply invest in better items less often, your budget will love the refresh. The best place to start is with minimalist clothing brands.

With minimalist clothing brands, you won’t just save money and help the planet, you’ll also create a wardrobe that is unique to you and allows you to create multiple outfits. This list will help you get started. That said, be sure to always research brands to make sure they align with your values before buying from them.

Why minimalist clothing brands are worth it

Minimalist brands often care about more than just the clothing they make. They’re also invested in helping others and creating items that last a long time. Here are the benefits of a minimalist wardrobe:

Items are made to last

Minimalist fashion brands focus on top quality and a tight supply chain. You might pay a bit more, but you’ll be buying items that you can wear for years.

Since these minimal clothing brands tend to focus on classic pieces and avoid fast fashion, you can find something you really love that will be wearable for many seasons instead of wearing it twice and then doing a closet purge.

Minimalist brands focus beyond just profits

Minimalist fashion brands can also have many different focuses. These brands may help you learn how to build a capsule wardrobe or invest in multi-functional clothing so that you can buy fewer items.

They may focus on better materials and craftsmanship or use evergreen designs instead of trendy styles. They could also focus on small batches that are high ticket but don’t go to waste because they don’t produce in surplus.

Overall, minimalist brands tend to have a focus beyond just making money.

You save money in the long run

Though buying from high-quality companies may at first be more expensive, you can save money on your wardrobe over time.

First of all, you’ll have fewer items when you choose to go minimalist. Additionally, you could pay more upfront but less money replacing items over the years, as they will last much longer.

27 Minimalist clothing brands to check out!

Remember that minimalism and living a minimalist lifestyle don’t have a set definition. So it can mean anything you want for whatever phase of your life.

Personal style is super subjective, but so is your budget. That said, here are 27 minimalist fashion brands with different prices to get you started!

1. Vetta: The archive shop

Vetta aims for a “thoughtful wardrobe” through capsules.

Likewise, mix and match is the name of their game. They have pre-made capsules with five garments that can be styled into 30 outfits.

Though the online store has closed, you can still buy Vetta pieces by shopping at their second-hand store. It might take a bit of work, but you can find thoughtfully made designs that you’ll love.

Affordability ranking: Under $100

2. Encircled

Encircled creates comfortable workwear staple pieces. They’re a B Corp, Canadian-based brand.

Although their clothes are a bit too casual for a corporate job, if you have flexibility in what you wear to work, this could be a great place to build outfits you’ll actually want to wear all day long.

Affordability ranking: Under $300

3. Cuyana

Cuyana offers luxe basics you can dress up or down. So they focus on natural fibers, have a “fewer, better” philosophy with their classic items, and even sell accessories. The brand offers a sophisticated but minimal look.

In addition, they’re women of color founded and a woman-led company.

Affordability ranking: Under $300

4. Pact

Pact is an affordable organic cotton minimalist clothing brand. They’re also Fair Trade certified and have tons of comfy basics and loungewear. Their casual basics are the perfect thing for everyday wear.

Their items are great to stock up on if you want to be fashionable on a budget, especially during the sale season!

Affordability ranking: Under $100

5. Universal Standard

Universal Standard is a female-founded brand that’s all about size inclusivity and good fit. Their clothing is made to last and is also available in a wide range of sizes from 00 to 40.

As a result, this makes Universal Standard more inclusive size-wise than many other brands.

In addition, the brand’s Fit Liberty collection allows you to swap out purchased clothing for a different size within one year.

Affordability ranking: Under $300

6. Everlane

Everlane has made a pledge to “radical transparency” and the choice to showcase their factories.

The brand also promotes a “no new plastic” campaign, which focuses on the use of sustainable materials for its products.

In addition, their clothing features timeless yet modern designs and fabrics that have become important pieces for city dwellers, and it’s a great minimal clothing brand.

Affordability ranking: Under $200

7. COS

COS is a brand that sells elevated essentials as well as basic cuts and colors that stay in style. They aim for their clothes to carry you through the years instead of focusing on trends, making a minimalist lifestyle easier.

Additionally, sourcing is also critical to the brand, and they explain it in detail on their sustainability page, so COS is another minimalist clothing brand that is pretty popular.

Affordability ranking: Under $200

8. Amour Vert

Amour Vert has sustainability at its core. They have a “give-back” program where one t-shirt sold equals one tree planted, and their packaging is also compostable.

With a strong focus on fabric manufacturing and treatment, they even sell a zero-waste collection. Overall, the Amour Vert style is laid back and feminine, and you can find some iconic pieces for your wardrobe.

Affordability ranking: Under $300

9. Able

Able is a brand that creates ethically-made clothing and accessories with a specialty in leather goods. Worker empowerment is a focus for Able.

As a result, they have the commitment to post their wages publicly.

96% of their Nashville staff identify as women. While their jewelry is made in the U.S., handbags are made by women in Ethiopia and Mexico. This approach provides jobs to women in these countries. So you can take part in helping others as you build your wardrobe.

Affordability ranking: Under $200

10. Organic Basics

With Organic Basics, the name says it all. This brand is quick to get you basics you can believe in. While undergarments are their bread and butter, they also sell other great items, e.g., activewear, loungewear, and other relaxed outfit options.

You’ll have no problem finding a wide variety of tee shirts and other basics for your wardrobe. This brand also focuses on their environmental impact and how their workers are treated.

Affordability ranking: Under $100

11. The Nisolo brand

The Nisolo brand is an ethical and sustainable company focusing on fashionable and classic shoes and accessories, e.g., boots, sandals, sneakers, and dressier shoes. Their products are well-made and practical to help you reach your fashion goals. The company also focuses on:

• Pursuing 100% living wages for their employees
• Pursuing 0% Net Carbon

The classic look that the Nisolo brand offers means that the items you purchase are sure to go with many other items in your closet.

Affordability ranking: Under $300

12. MATE the Label

MATE the Label creates sophisticated loungewear with impact in mind.

For instance, they use organic materials, ethical factories in LA, and non-toxic dyes. Additionally, you can even return your items at the end of their life cycle, and MATE will turn them into new garments.

Their collections are full of muted colors, which is great if you want to look chic in earthy tones and keep a color palette that matches well.

Affordability ranking: Under $200

13. Fair Indigo

Fair Indigo aims to be “forever in fashion” with its simple designs. They partner with Peruvian farmers for top-of-the-line Pima cotton, and they also have a foundation that supports educational opportunities for children.

They sell comfortable outfit staples and dressier items, so all your wardrobe essentials are covered.

Affordability ranking: Under $100

14. Reformation

Reformation is a climate-neutral certified clothing and accessories brand firmly committed to sustainability.

Additionally, the brand has ambitious plans to be climate-positive, earning them a place as one of the most desirable minimalist clothing brands out there.

That said, there are plenty of pieces for everyone (for instance, dresses, sweaters, shoes, bags, and wedding attire), with new styles added to the site weekly. If you need some trendier pieces that are still minimalist, this is a great shop to check out.

Affordability ranking: Under $300

15. Arket

Arket is a sustainable clothing brand dedicated to providing its customers with information on how to care for garments to extend their lifespan.

Additionally, their in-store recycling services make them an excellent choice for environmentally conscious people.

The brand is fashion-forward while still being simple enough to be minimalist. In addition to selling sustainable fashion for women, men, and children, they also sell responsibly crafted home accessories.

Affordability ranking: Under $200

16. Sezane

Sezane is known for maximizing the lifespan of garments through the quality of pieces they sell and by sticking to the model of four seasons per year, with smaller collections throughout the year.

Additionally, Sezane’s sustainability commitments are proudly displayed on its website, demonstrating its passion for a more ethical future in fashion.

So you’ll find everything you need from this forward-thinking brand, from dresses and knitwear to jewelry, belts, and accessories. The products are colorful, classy, and well-made, so you can add a few interesting items to your minimalist clothing collection.

Affordability ranking: Under $300

17. Eileen Fisher

Eileen Fisher is a great brand to consider if you’re looking for ethical and timeless fashion pieces to add to your wardrobe. Choosing a piece from this collection means you’ll always look elegant, and it’s an excellent example of sustainable fashion.

For instance, they focus on reselling clothing that is pre-owned and repurposing materials. You can purchase stunning wool, velvet, and silk pieces from this brand.

Affordability ranking: Under $300

18. & Other Stories

& Other Stories has an innovative approach to the materials that are used in their pieces, they focus on sustainable and recyclable materials. They use fabrics like cotton, silk, linen, and recycled polyester.

In addition, their minimalist fashion range is made up of versatile collections that include outerwear, stylish dresses, and accessories. So whatever your unique style is, you’ll find some pieces here to add to your wardrobe.

Affordability ranking: Under $100

19. Frank & Oak

Frank & Oak state that 100% of their products are created with sustainable processes and, additionally, with eco-friendly materials. Their clothes are designed to give you a timeless fit and look, perfect for fashion minimalists.

They stick to neutral and simple patterns, so your clothes will be in style for years to come.

Affordability ranking: Under $200

20. NA-KD

Swedish brand NA-KD is another minimalist clothing brand with a wide range of items, from tops and dresses to accessories and footwear. They’ve created a unique, sustainable womenswear collection to aid you with how to be elegant and minimalist at the same time. They aim to have a 50% reduction of climate emissions per product by 2025.

The company is also committed to boosting its products’ circularity by improving its supply chain model.

They offer truly unique but simple looks that can be at once trendy and minimalist.

Affordability ranking: Under $100

21. Jenni Kayne

Jenni Kayne is your go-to brand if you want a minimalist wardrobe suitable for all seasons. The brand offers a truly essential yet sophisticated look that is memorable and pretty. With recycled knits and eco-friendly homewares, there’s plenty for even the most environmentally conscious shoppers.

Without a doubt, you’ll love the brand’s high-quality, timeless, and versatile pieces, as well as their regular sales!

Affordability ranking: Under $500

22. Allbirds

Allbirds creates comfortable and sustainable footwear for the whole family. The brand hopes to reduce its carbon footprint to almost zero by the year 2030, and they focus on natural materials for their products.

They offer quite a variety of running shoes and other comfortable options that you’ll wear on repeat for years. As a bonus, you can easily wash Allbird shoes, meaning you can keep them in good condition for longer, and even owning one pair can give you multiple styling options.

Affordability ranking: Under $100

23. Patagonia

The Patagonia brand focuses on outdoor and active wear with a sustainable focus. For many years, the company has given 1% of its sales to help the environment.

Their commitment to helping the planet and creating great basics makes it the perfect store to shop for outdoor gear.

Affordability ranking: Under $100 to over $500

24. UpWest

UpWest is an excellent option for a comfortable, environmentally-conscious, and wallet-friendly wardrobe. Great for those who prefer a casual look. They recycle old clothing to create new products with their program, Recircled.

Their clothing features a relaxed and simple look that any minimalist will love.

Additionally, UpWest’s partnership with Give Back Box is a fantastic and easy way for you to donate your used clothing and accessories and do your bit for the environment.

Affordability ranking: Under $100

25. Kotn

Kotn’s garments are beautifully made and a great addition to your collection. It’s a great assortment of basics you won’t soon tire of. Their products feature high-quality Egyptian cotton, linen, lyocell, and more. The company is committed to making its supply chain as transparent as possible, earning them a place as one of the best minimal clothing brands.

As a result, their products are designed in a considerate way to provide their buyers with high-quality clothing that has a positive impact on the environment.

Affordability ranking: Under $300 

26. Secondhand retailers

You don’t have to buy anything new! Shopping secondhand is perfect if you want to afford luxury items but have a limited budget.

You can check out local thrift shops. However, online secondhand retailers make it even easier to search by size, brand, style, and color. You can even search “new with tags”! Check out ThredUp or a site like Poshmark.

Affordability ranking: Prices range from $100 to $500+

27. Curated retailers

Curated retailers like Made Trade or Done Good vet a variety of different brands and make them accessible in one place. With this in mind, you can feel confident about shopping with ethical, sustainable brands.

Affordability ranking: Prices range from $100 to $500+

Expert tip: Add your unique personal style to outfits

Remember that even if you choose to create a minimalist wardrobe, it doesn’t mean you can’t add your own unique personal style to your outfits.

For example, consider various types of jewelry, accessories, and great shoes. Even if your closet is full of minimalist designs, it will never feel boring if you take the time to be creative with your outfits.

What makes a great minimalist clothing brand?

A great minimal clothing brand provides its customers with a wide range of high-quality pieces that can be used to create several looks.

Additionally, the designs of the clothing are classic and timeless. You can wear your pieces for many years to come (all while having a minimalist budget).

Given that, there are some things to consider that will help you decide what makes a great minimalist clothing brand.

First, think about sustainability. Are natural and regenerated materials being used? Does the company have methods in place to subsequently reduce energy and water usage?

Consider the ethics of a company, as well. Are they transparent on who makes the clothes and where they are made? Do they ensure that their workers are treated fairly?

And last, find out about the brand’s circular practices. For example, does the brand have a recycling initiative to avoid sending clothing to landfills?

All of these things tie together to make clothing more sustainable. When clothing is more sustainable, it fits better into a minimalist wardrobe since your clothing will be high quality, and you’ll need fewer items.

It also allows for opportunities to recycle and reduce waste, and less waste due to ethical practices means we can all live more minimally and also learn how to live sustainably.

What are some of the most affordable minimalist clothing brands?

There are plenty of affordable options when it comes to minimalist clothing brands. As a result of these options, you don’t have to compromise on quality or sustainability values either!

Our favorites are:

• Vetta
• Pact
• Everlane
• COS
• Organic Basics
• Fair Indigo
• Arket
• & Other Stories
• NA-KD
• UpWest

Buying garments from high-quality, minimalist companies helps with how to save money in the long term!

Can I still be stylish with a minimalist wardrobe?

Yes, you can, as the best thing about minimalist fashion is that it always stays in style. So you’ll always be stylish, no matter how you mix and match your wardrobe.

To achieve a minimalist wardrobe, be sure to add a few classic and timeless garments to your closet. It will help you look and feel your best with minimal effort and a simple wardrobe.

Whatever your motivation for creating a minimalist wardrobe, enjoy the process and then be proud of the difference you’re making to the world (and your confidence).

How many pieces of clothing does a minimalist have?

There’s no rule regarding how many pieces of clothing a minimalist should have. The key is to keep things simple! One minimalist could own 10 items, while another could have 40.

For example, here’s a list of ideas for staple pieces that will allow you to create more looks with less:

• Vests or bodysuits for layering
• Casual T-shirts (black, white, and grey work well!)
• Workout tops
• Long-sleeved tops/shirts
• A durable blazer/jacket
• Smart black trousers
• Skinny or straight-leg jeans (black and blue)
• Sweater
• Two casual skirts or dresses
• Running shoes
• A pair of comfortable heels
• A few pairs of flats
• A set of loungewear/pjs
• Two swimsuits
• Three good quality bras
• Seven panties

How do minimalists buy clothes?

Minimalists buy clothes after careful consideration, and they tend to buy high quality rather than something that needs to be replaced often. You should focus on purchasing things that you’ll wear often and that pair well with your other clothing items.

In addition, a good way to shop minimally is to make a list and know exactly what you need. Then, go through the list and cross off anything impractical or anything that you already own using the “shop my closet” technique. See what you already have that you enjoy wearing and don’t need to buy.

You can use the list above of minimal clothing brands to help you find what you need to purchase.

Articles related to a minimalist lifestyle

If you enjoyed this article on the best minimalist clothing, then check out this related content:

• Why Is Fast Fashion Bad? 20 Fast Fashion Facts
• Living A Minimalist Lifestyle To Improve Your Finances
• How To Live Sustainably And Save More
• Minimalist Finances And How To Become A Financial Minimalist

Minimalist clothing brands are definitely worth considering!

If shopping for clothes is your biggest budget buster, then going for minimalist clothing brands might be the quickest way to maximize your spending. And it can definitely help if you wonder, “Why can’t I save money?” and need to be mindful of purchases. Remember: it’s not necessarily about a target number of garments in your closet.

Instead, it’s about considering what you need, what you’ll wear, and what makes you feel fantastic (this can also help you beat a shopping addiction!). Subsequently, the items that check those boxes are worth your hard-earned cash. Anything else is just a waste.

After you get acquainted with this new minimalist fashion approach to shopping, do your own research, too. Go down the rabbit hole and search for brands based on your needs or concerns, e.g., multi-use garments, natural fabrics, ethically made, plastic-free shipping, etc. There’s a solution out there that fits your style and budget. Happy shopping (or saving)!

The post 27 Minimalist Clothing Brands Your Budget Will Love appeared first on Clever Girl Finance.

It’s not fun to wake up and have “I don’t want to work anymore” as your first thought. You can’t enjoy the day if you’re in a funk that’s hard to shake. But it’s important to find out why you feel this way and what you can do about it.

First off, don’t judge yourself for feeling this way. You can’t expect yourself to love working all the time.

Furthermore, it’s normal not to like every aspect of your job.

What you need to do is explore what’s behind it. Therein lies the answers to what you can do differently. So, let’s get to it!

Why you may say, “I don’t want to work anymore”

Life is busy – you have responsibilities and goals to check off. But feeling like you don’t want to work anymore is your check engine light coming on. 

Your body and maybe your intuition are talking to you. Take time to listen. Here are a few reasons why you may be screaming, “I don’t want to work!” into the void. 

You’re burned out

Burnout is more than being exhausted physically. It happens when you get stuck in a cycle of being overwhelmed, stressed, and emotionally drained.

Don’t shame yourself for feeling burned out. Modern life is great and all. 

But you’re also expected to juggle having a family, career, and social life effortlessly. Sometimes it can be too much!

There’s a lot going on in your personal life

Of course, it’s not going to be business as usual if you have a lot going on in your personal life.

Your relationships and your home are supposed to offer safety and peace. If you are facing money troubles, illness, or divorce, it will impact your work life. While your work is not directly responsible for you feeling burned out, you may still need some time to recover from the overwhelm.

The company you work for is toxic

You love what you do, but the company’s culture is toxic. You may have a toxic boss or find yourself trying to figure out how to deal with a toxic coworker. So, you’re sitting there thinking you don’t want to work. 

Unfortunately, many work environments run on abuse and bullying. And sadly, workers tolerate the mistreatment because they need a paycheck and health insurance. 

If you feel that your workplace is toxic, it may be time to look for a new job somewhere else.

The team you work with just isn’t a good fit

Sometimes you just jive with people, which creates a fun, collaborative work environment. But if you have to navigate unhealthy office politics alone, it’s hard not to say you don’t really want to work anymore. 

But it’s important to realize that the work itself may not be the problem. You may want to stay in a similar career but work with a different team.

You REALLY don’t want to go back to the office

Another reason you may not be happy at work is that you don’t want to go back to the office. Working from home means you don’t have to commute and sit in traffic. Not to mention, you can use the extra hours to rest or do something you enjoy, like stress relieving hobbies. 

It might be time to transition to a remote working career instead if you enjoy the extra freedom it provides.

Finding fulfillment in your role is difficult

As humans, we actually like to learn and grow. So, the reason you don’t want to work anymore may come from being unfulfilled in your current role.

If you’ve been on a job too long, you become stagnant. You’re probably due for a different environment, or you may need to start challenging yourself more at work.

You don’t feel appreciated

It’s human nature to want validation. But it could be why you haven’t felt good about work lately. You may not feel appreciated at work or feel like your work isn’t valuable.

When you put too much emphasis on external goals and validation, you open yourself up for disappointment. Because you might not get what you’re looking for. 

It’s not that you’re not worthy or deserving. But the people you want appreciation from may not see your efforts. They could also have different goals and yardsticks altogether.

14 tips to recover from work burnout and love your job again

Apparently, you spend one-third of your life at work over your lifetime, according to Gettysburg College. So, it’s a real downer if you spend all that time thinking, “I don’t want to work at all.” 

You can’t fix a toxic work environment, but you can gain a new perspective to cope with a job you don’t like. Here are a few tips to help you recover from burnout and love your job again.  

1. Take that well-earned vacation

42 percent of your time should be spent resting, according to Drs. Amelia and Emily Nagoski, in order to avoid burnout.

So, if “I don’t want to work” has become your mantra, then it’s time for some days off. Whatever it is you’re working on will be there when you get back, so start working on your vacation budget. 

2. Find gratitude

Being grateful isn’t the same as being content. You may not love your job, but you are still getting paid. Think of all the things and experiences having a paycheck allows you to do.

For instance, you wake up in a comfortable bed, and you have hot water to shower with. Shift your perspective and remember that you’re not going to work for the company. You’re doing it for you because getting a paycheck means your bills are paid.

Furthermore, if you don’t like your job, then it’s only temporary. There’s something better out there for you. Until then, be grateful for the little things and celebrate the smallest wins. Try a 30 days of gratitude challenge to jump-start a new way of thinking!

3. Find a way to help others

Sometimes the best way to make yourself better is to help others.

Instead of being wrapped up in your head, notice others. A smile, a thank you, a simple gesture of opening a door for someone goes a long way.

Little acts of kindness also improve your own support networks. When you show up for others in times of need, they show up for you too! Find nice things to do for people to improve your life and theirs.

4. Level up your skill set to bring in new opportunities

One of the reasons you may not want to work is because you’re constantly doing the wrong thing or failing at your tasks. To tackle this, look into improving your money making skills or picking up new ones.

Ask your supervisor or co-workers for pointers on how to do your job efficiently. You can also read books or attend trainings. 

This also gives your brain something to do other than focusing on how bad things are. You can become more productive and love your job again in the process. 

5. Re-visit your expectations for what a job can give you

You might be saying, “I don’t want to work” because you’ve put too much emphasis on what the job can give you. 

Maybe you’ve been passed over for a promotion, so you’re questioning your value. Maybe you’ve had expectations about achieving certain milestones that didn’t happen. 

To get out of the funk, look back and remember why you’re doing this job.

Why are you in this field? Why did you say yes to working in this company? Knowing why you are working there may help you move forward in a more positive way.

6. Take more breaks at work

You need breaks to be productive. According to Nivati, breaks can not only lessen stress but also help you be more creative and focused.

There are lots of relaxing ways to spend your breaks that will benefit you, as well. Try going for a short walk or eating your lunch outdoors to recharge. Or read a page of a book, stretch, or meditate.

7. Fully embrace your life outside of the office

One of the ways to love your job again is to make sure you have a full life outside of the office. Chasing promotions and approval at work may not change how you feel about your job.

Set aside time to visit with friends and take part in family activities – nurture your relationships. You can also look into volunteering for causes that you care about.

If you enjoy solitude, make sure you’re giving yourself time to be alone and recharge as well. Try a self care Sunday, reading a new book, or a relaxing walk.

8. Build in time for mindfulness before starting your workday

You’re probably saying, “I don’t want to work” because your job takes up all of your time. Hence, you’re exhausted and resentful.

Before you rush to start the day, take a few minutes to yourself. 

Even real simple things can help counter the resentment you feel towards your job and prepare you mentally for the day ahead.

For instance, jot down a few things you’re grateful for or do a short guided meditation. 

9. Make an exit plan and start saving

Are you tired of saying, “I don’t want to work”? If the answer is yes and you’ve discovered the reason for leaving a job, be it burnout, a toxic work culture, or wanting to try something new, then it’s time to make an exit plan. 

First, update your resume or gather your portfolio. Then, start applying for jobs. This is also a good time to ask your network to hand out your resume or to introduce you to hiring managers. 

If you’re keen to resign right away, you can also register at temp agencies, so you have money coming in while job hunting.

It’s also a great idea to put money away so you have peace of mind that your bills are paid during the transition. Cut out unnecessary spending to save as much as you can.

10. Work on a side hustle

On the other hand, your exit strategy from your job could be starting a side hustle. Consider your passions or interests for business ideas. 

For instance, you can make extra income by taking photos or making and selling jewelry. You can be your own boss and build it up to replace your current income.

Some professions, like graphic design, copywriting, and marketing, have a huge market for freelancers. So, that’s another avenue you can explore. 

11. Don’t talk about work at home

If you’re experiencing stress at work, it’s difficult not to take it home. You might even take your stress out on your family by complaining about work at home or feeling constantly anxious.

But you’d rather enjoy time with your family. So, start setting healthy boundaries with yourself not to talk about work at home. Or give yourself an allotted time to vent, then move on.  

12. Take up a hobby

You’ve been saying you don’t want to work, so go do something you like. Put on headphones and listen to your favorite music, and not as background noise. Or listen to a podcast or an audiobook to de-stress.

Hobbies are not only fun, but they also help with your creativity, such as these great indoor hobbies.

You don’t have to spend money either. Whatever it is you’re interested in, there are free resources everywhere, like your local library, YouTube, etc.

13. Set new goals

You could be burnt out because you’ve been trying to accomplish goals that are just too much for you right now. Maybe the opposite is true too. You’re aiming too low, and it’s not challenging anymore. 

Why not start over with your goals? Be clear on what you want to accomplish in your job. Then, focus on what you can control and set a professional goal or two within those limits.  

14. Ask for help

You may not be used to asking for help, but being stressed and overwhelmed is not good for you. When “I don’t want to work” has become a constant thought, get support from those who can help.

Venting to family and friends may help, but it doesn’t really solve the issue. Communicate the problem to your superiors with some suggestions on how they can help you. You can also lighten your workload by delegating reasonable tasks to those who work under you.  

Expert tip: Start saving money as you assess your job

As an exercise, save $5 for every complaint you make about your job. Then, analyze the “why” behind each annoyance. Once you find the reasons why you don’t want to show up to work, you’ll know what changes to make.

For instance, maybe you’re annoyed that your commute to the office is too long and stressful. Is there a way for you to work from home for a few days a week? If not, would you consider looking for another job closer to home or maybe a remote position working from home?

When you start acknowledging how you feel, you’ll end up with some extra cash and some answers about your job, also.

Got “I don’t want to work” feels? Alternative careers to consider

Want to stop saying, “I don’t want to work,” and start loving what you do again? Check out these alternative careers that don’t require you to be at the office from 9-5.

Freelancer (anything and everything)

Take back the pep in your step by learning how to start freelancing with no experience. With 73.3 million freelancers in the U.S., according to Demand Sage, you’ll find one in almost every industry. Freelancers are independent contractors, and they get paid on a per-job or per-task basis.

Some in-demand skills include graphic design, web development, social media marketing, and customer support. Gig workers for Uber, Instacart, and the like are also considered freelancers.

As a freelancer, you’re not an employee, so you don’t get benefits such as health insurance or retirement plans. But you enjoy a flexible work schedule.

In addition, your income depends on how much work you take on.

Virtual assistant

Learning how to become a virtual assistant with no experience could be your way of ditching the I don’t want to work feeling. Virtual assistants generally take care of administrative tasks such as answering emails, booking meetings, social media management, data entry, and more. 

The great thing about becoming a virtual assistant is that you can get started with skills you already have. The pay depends on your skill level and whether you work for yourself or for a company. Typically it’s anywhere from $15 to $60 an hour.

If you want to dip your toes into this role, here are a few companies that hire virtual assistants:

• Time Etc.: Average pay is $18 per hour.
• Belay Solutions: $15.86 per hour on average.
• Zirtual: About $16 per hour on average.
• Boldly: Average of $35-$60 per hour.

Personal trainer

Do you love fitness and encouraging others to do the same? You could become a personal trainer and help people get more active. 

You’ll assist clients in achieving their goals, whether that’s weight loss, resistance training, or overall health care.

You might need certifications for this job also. You can take on clients on your own or work for a gym. Personal trainers make upwards of $43,000 per year on average.

You could also create workout videos on YouTube and get paid through ads and affiliate marketing. However, you’d have to make videos consistently and grow your followers.

Photographer

There are many ways you can make money as a photographer. You can sell stock photos, offer services to events, sell photo prints online, and more. Photographers make around $46,000 per year on average.

Wedding photography is lucrative, but it’s also very competitive. But you can start out offering your services for other events like birthdays, graduation, proms, etc. You can set your own rates and hours and still make good money.

You’d have to buy your own equipment plus software for editing. Depending on the services you want to offer, you might need a few props and backgrounds as well. Make sure to create a portfolio that showcases what you can do. 

Cosmetology

If you love makeup, skincare, hair styling, manicures, and pedicures, then cosmetology is right up your alley. You can help people look good and feel better about themselves while getting paid. You can definitely get rid of the “I don’t want to work” thoughts in this role!

Choose a specialty. For instance, you could offer makeup and hairstyling for special occasions and events. Or provide manicure and pedicure services. 

You can also get additional training to be able to become an eyelash specialist. Likewise, you can do facials and other skincare treatments. 

You can work for a salon or take on your own clients. Cosmetologists make around $52,000 a year.

Truck driver

Are you tired of being around people? Kick that “I don’t want to work at all” feeling to the curb and get in the truck. Literally! 

This role is a good option for those who like working by themselves. But first, you need a commercial driver’s license (CDL) to become a long-haul truck driver.

The pay is around $97,000 a year. Not bad! Your main duties would likely be planning routes to get to destinations on time, loading and unloading cargo, and driving long distances.

Real estate agent

If you’re a people person and have an interest in real estate properties and buyers markets vs sellers markets, you might enjoy being a real estate agent. 

You’ll be helping people sell or buy properties. Your primary responsibilities would be listing and showing properties. Real estate agents also negotiate on behalf of their clients.

You’ll need to take state-accredited courses and pass the exam so you can get your real estate license.

However, you can make about $95,000 per year with this job.

Flight attendant

If you love traveling, maybe it could be your ticket to getting rid of the “I don’t want to work” feeling. As a flight attendant, you can see the world and love what you do at the same time.

Flight attendants guide and assist passengers during air travel. The job may seem glamorous and easy, but the training is rigorous. So they’re prepared in case of emergencies.

You’ll need to be certified by the Federal Aviation Administration (FAA) to work as one. Flight attendants make a yearly income ranging from $70,000 to $100,000.

Firefighter

Want to leave your 9-5 for something different? Becoming a firefighter fits the bill! Not to mention, firefighters are essential members of the community. 

The scope of their duties is wide. They fight fires, respond to medical emergencies, assist in search and rescue efforts, help out with traffic incidents, and more.

Most fire departments set their own hiring qualifications and training requirements. So, if you’re interested, visit a fire department and ask about their criteria. In this role, expect a yearly salary of around $50,000. 

Coach

Do you have an expertise you want to share or maybe a talent for motivating people? Starting a coaching business might suit you. You can help others overcome their challenges and achieve their goals.

You can choose a specialty and focus your mentorship on relationships, business, career, or wellness. Some of the responsibilities of a coach include setting goals with clients, building strategies to achieve the goals, and holding clients accountable. 

Blogger

Blogging isn’t something that will make you money right away. It takes time and dedication to learn how to become a blogger. But with focus and consistency, you’ll reap the benefits. 

Before setting up your blog, decide on what type of blog you want to start. Determine your topic and who your ideal audience is. 

Put out quality content, and you’re sure to grow your audience. Once you’re able to monetize your blog, you can earn from advertising revenue, affiliate marketing, product reviews, or creating your own products.

What can I do if I don’t want to work?

If you’re feeling like you don’t want to work, take some time off to rest your body and your mind if you can. It won’t serve you to run yourself to the ground. 

While it may not be possible to take a week off from work, you can at least try to carve out a few hours, or a weekend, to yourself to think things through.

When you’re calm and relaxed, take a moment to understand why you didn’t want to work.

Ask yourself these questions: What aspects of your job do you like? What’s not working for you? What can you do differently to love your job again?

The answers to these questions can help enlighten you as to what changes you need to make.

Is it normal to not want to work ever?

It’s not normal to not want to work ever because humans like being productive, though everyone has a day now and then when they don’t feel like working. You probably feel this way because you have to keep doing things you don’t like, or you feel burned out.

Either you don’t enjoy your job, or it’s not challenging enough for you. You might not know right away, but find out what brings you joy. Do more of that, and you might find that you actually want to work and can start enjoying the life you have.

How can I make money if I don’t want to work?

Nowadays, there are many ways to learn how to make money without a job if you don’t want to work, including passive income and side hustles. But it’s important to not quit your job with no plan.

First, build an emergency fund, and start planning your finances to take a break from work. Then, take time off to explore the possibilities. You can start with some of the options in the list above. 

Should I work if I don’t need the money?

It’s up to you if you don’t want to work because you don’t need the money. But my guess is you want to be doing something with your time, even if the income isn’t that important for you.

How about getting paid for something you love to do anyway, like photography, candle making, etc.? You can put any income you make into savings or invest the money to get started with wealth accumulation. 

Articles related to not wanting to work anymore

If you related to this article about not wanting to work anymore, read these posts next!

• 6 Reasons For Leaving A Job And How To Do It The Right Way
• How To Plan Your Finances To Take a Break From Work
• What To Do When You Hate Your Job: 11 Tips Until You Can Quit
• Should I Quit My Job? How To Know And What To Consider

It’s okay to say, “I don’t want to work anymore”

It’s okay not to love every aspect of your job, but you shouldn’t dread going to work every day. It doesn’t serve you, your job, and your family if you’re stressed and exhausted.

Identify the reasons why you feel that way about your job. And believe that you can do things differently, whether you start unique side hustles or find other productive things to do.

There is always another option for you other than staying in a job you don’t like. Cheering you on!

The post I Don’t Want To Work Anymore! 14 Ways To Recover From This Feeling appeared first on Clever Girl Finance.

Whether you’re looking for a new job or just accepted an offer, knowing how much money you’re making—or could make—is essential for planning your finances. But most jobs list salaries as an annual amount, which can be difficult to break down into everyday numbers. If you’re looking at a $60,000 per year job, you might ask, “$60,000 a year is how much an hour?”

This article takes a look at how much you’ll make an hour, weekly, and monthly if you have a 60k-a-year job. We’ll also go over factors that affect your pay and what jobs pay $60,000 per year.

Exactly how much an hour is $60,000 a year?

A $60,000 per year annual salary breaks down to about $28.85 per hour. This is assuming you work a 40-hour week for 52 weeks a year.

The hourly pay rate for a 60k salary is a good place to start understanding the actual amount you’ll make working a 60k job. Breaking it down even further can further that understanding so you know if a $60,000-per-year job makes sense for you.

Additionally, some jobs have different pay schedules. You might work a job that pays monthly, which can change how you view your salary, especially if you want to learn how to save money from salary income.

Take a look at the table below to get the approximate answer to the question, “$60,000 a year is how much an hour, week, or month?”

$60,000 a year is how much an hour after taxes?

There are two numbers to consider when looking at your paycheck: gross pay and net pay. Gross pay is the total amount of money you’ve earned on your paycheck.

However, you won’t receive that full amount due to taxes and other deductions. The actual amount of your paycheck is called your net pay or take-home pay.

While a $60,000 per year salary is about $28.85 an hour in gross pay, your net pay will likely be a bit lower. Taxes are generally the biggest deduction taken from your paycheck and can greatly affect how much your take-home pay will be.

Federal taxes to pay

Your employer is required to take out certain federal taxes from your paycheck, according to the IRS, including:

• Federal income tax
• FICA (Federal Insurance Contributions Act) taxes like Social Security and Medicare

But federal taxes are only part of what comes out of your paycheck. Depending on where you live, you might have to pay more in state income taxes and other state-specific deductions.

Your location is one of the biggest factors in how much your take-home hourly pay will be from a 60k salary. Even two people who both make 60k a year might have very different paychecks if they live in different locations.

State income tax to pay

Most states have a state income tax. However, nine states have limited or no state income tax at all, claims Forbes, including:

• Wyoming
• Alaska
• South Dakota
• Florida
• New Hampshire
• Tennessee
• Nevada
• Texas
• Washington

Forbes also explains that both New Hampshire and Washington have special income taxes for certain capital gains and interest earnings.

However, income from a job—like your regular paycheck—is generally not taxed in these states.

Additionally, having no state income tax doesn’t mean you should start looking for the cheapest way to move out of state! These states still have to collect taxes for public projects and services. States with no income tax might charge more in taxes for property taxes or sales tax.

Other factors that affect your take-home pay

Taxes are only part of the discrepancy between your gross and net pay. Many people contribute to retirement plans or pay their health insurance via employer deductions from their paychecks. Common paycheck deductions in addition to taxes include:

Insurance

If the company you work for offers a health insurance plan, you can usually pay your insurance premiums as a deduction to your paycheck. This means your employer will automatically take out your portion of health or disability insurance premiums before paying you.

Paying premiums this way makes it easy to keep your insurance in force and gives you one less thing to remember to do each month.

Retirement contributions

Many employers offer a retirement plan so you can save for your future, such as a 401(k). It might be time to ask, should I max out my 401k? To make it easier to save for retirement, employers also let you automate your savings through your paycheck.

Your employer takes your retirement contribution out of your paycheck and puts it into your retirement account for you.

Union dues

Are you planning to work in a job that has a union? Many union jobs pay hourly wages, making it important to answer, “$60,000 a year is how much an hour?”

Union agreements can help workers get fair compensation for their work. Union members pay dues to be part of the organization, which are generally taken directly from your paycheck.

Involuntary deductions

Not all paycheck deductions directly benefit the employee. In some cases, your employer may take out part of your paycheck to cover court-ordered garnishments on your pay.

A garnishment is a legal order that requires an employer to deduct a certain amount from an employee’s paycheck to pay off debts, such as child support or spousal support.

Expert tip: Understand salaried pay vs hourly pay

When looking at a 60k per year job and figuring out $60,000 a year is how much an hour, be sure to ask if you’ll be paid hourly or with an annual salary.

If working hourly, you may be able to make more than 60k a year by working overtime, which is generally paid at a higher rate.

Salaried employees often don’t receive overtime pay for working overtime, but may get some flexibility in their day-to-day work schedule.

Jobs that make $60,000 per year

You’ve got the answer to that question, “How much an hour is $60,000 a year?” And it’s making you think, “Should I quit my job?” and then start a new career that makes $60,000.

Before you rush out to put in your two weeks, it’s a good idea to think about what you want to do to earn 60k a year.

Let’s take a look at jobs where the yearly income is $60,000 or more per year. Remember, however, that your location, experience, and training can affect how much you’ll be paid.

Flight attendant

Do you love travel? Being a flight attendant might be right for you! Flight attendants can often make $60,000 per year or more for their mean yearly salary, according to the Bureau of Labor Statistics.

Additionally, most commercial airlines utilize their own training systems to get you ready to head to the sky. That means many airlines will hire people without a college degree to work as flight attendants.

Respiratory therapist

Respiratory therapists help patients breathe better—from administering oxygen to managing ventilators. This healthcare career path lets you help people and make $60,000 a year. The mean yearly wage is upwards of 70,000, claims the Bureau of Labor Statistics.

Most respiratory therapists have at least an associate’s degree, but some medical or hospital systems may require extra training or a more advanced degree.

Human resource specialist

If you’re personable and have good communication skills, you may enjoy being a human resources specialist. This job works in the people operations department of a company or organization to help the human resources division run smoothly.

Day-to-day tasks might include screening or interviewing job applicants, managing employee benefits, or preparing employee training.

In general, you’ll need at least a bachelor’s degree to get started as a human resource specialist. The median yearly wage for this job is about $64,000, according to the Bureau of Labor Statistics.

Web developer

People who ask, “$60,000 a year is how much an hour?” might be excited to learn they can generally make more than $28.85 per hour as a web developer.

As society relies on the internet and technology more and more, there is a need for quality web developers. As a web developer, you can expect to make $60,000 or more, the median yearly wage is nearly $80,000, claims the Bureau of Labor Statistics.

There’s generally no degree required, but you’ll need to learn web development and design skills to be successful.

Loan officer

Those with an analytical mindset might like working as a loan officer. Loan officers are in charge of analyzing a loan applicant’s credit and financial information to determine if they qualify for a loan.

You can usually get started as an assistant loan officer to get your foot in the door, though you may start out making less than $60,000. The median yearly wage for loan officers is over $65,000, according to the Bureau of Labor Statistics, though.

How to make more than $60,000 a year

If you find yourself asking, “$60,000 a year is how much an hour?” you probably know how much money you need to make an hour to cover your cost of living. At the end of the day, $60,000 a year might not be enough to cover your expenses while saving for the future.

Many people live in high-cost-of-living areas, such as expensive cities, where 60k a year may not be enough. Alternatively, you may simply want to make more than $60,000 a year if you want to learn how to save money.

No matter the reason you want to make more than 60k per year, there are steps you can take to improve your annual salary. These generally fall into two categories:

• Increasing pay from your job through experience, training, and skills
• Making extra money from a side hustle or self-employment

Job-related skills training

Learning and improving skills related to your job can help make you a more attractive candidate and give you access to higher-paying roles.

Some skills relate directly to jobs or industries. For example, if you work in healthcare administration, adding medical coding and billing certifications might help you earn more money.

However, certain skills are often in demand across industries. This means people with these skills can often pivot between roles or industries easily.

According to job search website Indeed, some of the most in-demand skills include:

• Artificial intelligence and machine learning
• Sales leadership
• Analytical skills
• Audio and video production
• People management and communication
• Search Engine Optimization (SEO) marketing
• Creativity
• Collaboration
• Adaptability

Side hustles and businesses

Improving your salary through job-related skills can help you earn more than 60k a year, but it’s not the only way to make more money. Today, many people are starting a side hustle of their own or small businesses alongside their regular jobs.

The benefit of a side hustle is that you control how much you can earn and where you want to go in your career. Maybe you want to make a couple of extra hundred dollars per month with a small side hustle. Or, maybe you want to take your small business full-time and leave corporate jobs behind entirely.

The choice is yours when you’re running your own business. Consider these easy side hustles to get started:

• Become a virtual assistant (VA)
• Start freelance writing or graphic design
• Drive for a rideshare company
• Delivery of groceries and food
• Tutor students online or in person
• Babysit, house sit, or pet sit
• Flip thrift store finds online
• Get into affiliate marketing with a blog

How much is 60k a year per paycheck?

60k a year per paycheck is $1,154 weekly, $2,308 bi-weekly, and $5,000 monthly.

Let’s break down these amounts further. You’ve already wondered, “$60,000 a year is how much an hour?” The answer is $28.85 per hour before taxes and other paycheck deductions.

But what does that hourly wage come out to in a paycheck?

The answer isn’t always straightforward because different employers pay their employees differently. The most common payment schedule is bi-weekly, meaning you get a paycheck every other week. However, many employers pay weekly or monthly as well.

Is $60,000 a year a good salary?

Making $60,000 can be a good salary in some cases. However, everyone’s financial needs are different. Determining whether 60k a year is a good salary depends entirely on your personal situation.

For example, someone living in an area with low costs of living and who has no debt may find $60,000 more than enough to live on. They might even live a luxurious lifestyle on 60k a year.

On the other hand, someone who lives in a high-cost-of-living area may find it difficult to cover expenses on a 60k per-year salary, and they could end up living paycheck to paycheck.

Additionally, someone who has a lot of debt, such as student loans, a large mortgage, or high-interest debt like credit cards, may need more than $60,000 per year to pay off their debt.

What is $60,000 a year monthly?

$60,000 a year monthly comes out to $5,000. While most jobs pay bi-weekly or weekly, some jobs are paid monthly.

Monthly paychecks can be an adjustment, especially if you’re used to getting two paychecks—or more—a month. Carefully budget your income and monthly expenses list to meet your monthly needs.

Articles related to 60k per year is how much an hour

If you learned a lot from finding the answer to $60,000 a year is how much an hour, check out these other articles next!

• $50k A Year Is How Much An Hour?
• How Much Is A 6-Figure Salary In Real Terms?
• $15 An Hour Is How Much A Year? Stretching Your Pay!
• How Much Is A 40k Salary Hourly, Bi-Weekly, And Monthly?
• $45,000 A Year Is How Much?

Knowing how much $60,000 a year is an hour can affect your decisions

The simple answer to “How much an hour is $60,000 a year?” is $28.85 per hour. However, the exact amount you make an hour on a 60k salary depends on your location, tax situation, and even whether or not you’re a member of a union.

Additionally, many jobs make 60k a year. Some will have a starting salary of 60k, meaning your pay is likely to increase with schooling, training, and experience. Other jobs reach the top of their salary range at 60k per year.

It’s important to understand your financial needs, cost of living, and experience level or training as factors to consider when choosing a career. This can help you determine if 60k a year is a good salary for your individual situation.

The post $60,000 A Year Is How Much An Hour? appeared first on Clever Girl Finance.

When it comes to your financial health, your income is one of the most important numbers in the equation. Additionally, there are a lot of details to consider how much money you actually earn each month. So, 45,000 a year is how much an hour? What about after taxes and benefits? Well, we’ve got the answers right here!

When you’re comparing the income potential of various job opportunities, it’s rarely as simple as “this job pays $X, and this job pays $Y.” Some jobs pay a salary, while others pay hourly. Some fall under different tax situations that can affect your take-home amounts.

And, of course, you’ll need to factor in other forms of compensation like benefits and bonuses, especially if you’re wondering how to save money from salary jobs.

That means if you’re wondering, “$45,000 a year is how much an hour?” — there is a simple answer and a detailed answer. Luckily, in this article, we’ll be looking at both! 

$45k a year is how much an hour…as gross pay in a 9-5 job? How much an hour is 45000 a year…after taxes?

How might this number be affected in a freelance job? What other factors should you consider? What kinds of jobs earn a $45k salary? Let’s find out together!

$45,000 a year is how much an hour, day, week, or month?

How much an hour is 45000 a year? Let’s start by looking at the numbers in their simplest form. 

If you’re working the equivalent of 40 hours a week for 52 weeks a year, then that adds up to 2080 hours over the course of one year. Thus, to answer $45k a year is how much an hour, we simply have to divide $45,000 / 2080. 

$45,000 a year is how much an hour? About $21.63.

Remember, this doesn’t factor in anything else.

For instance, holidays, vacation time, sick days, if you are working overtime, and things like that may shift your number of actual worked hours up or down. In addition, various paycheck deductions will affect your real take-home amount.

But in general, if you’re earning $45k a year, you can think of yourself as earning around $21 an hour.

Now, let’s crunch some of the other numbers… 

If you just wanted to know the simple answer to “$45k a year is how much an hour?” then you’re done! But if you’re curious about breaking down the details, let’s get into it.

How much an hour is 45000 a year after taxes?

Your income may look very different with pre-tax income vs. after taxes. Sure, your total salary may be $45,000, but your “real pay”—the amount you take home—will be less after Uncle Sam takes his cut. Let’s look at the three main categories of taxes you can expect to pay in the US.

Federal income taxes

In the US, we have a progressive federal tax system, which means that income taxes are charged at different rates based on tax brackets. So, not all of your income will be taxed at the same rate, and rates can change from year to year. 

According to Investopedia, for a single filer earning $45,000 in 2024, you’ll be taxed about $5,167 total:

• 10% on your first $11,600 = $1160
• 12% on the amount between $11,601 and $47,150 = $4007

As you can see, your income falls into the lower 10% or 12% brackets.

Of course, these calculations don’t factor in any taxable income deductions, which can reduce what you owe. But to give you a general idea of average numbers, let’s keep a tally as we go! $45,000 – $5,167 brings your take-home income to $39,833 so far. 

Social Security and Medicare taxes

On your paycheck, you’ll also notice withholding lines for Social Security and Medicare taxes. These are a little more straightforward since they’re both a flat rate for everyone!

Someone earning $45,000 will pay about $3,442 in social security and Medicare tax, according to the IRS percentages. Here’s how it breaks down:

• Social security: your employer pays 6.2% and withholds another 6.2% from your paycheck. 6.2% of $45,000 =about $2,790
• Medicare: your employer pays 1.45% and withholds 1.45% from your check. 1.45% of $45,000 = about $652

Keeping the tally going, $39,833 – $3,442 means now you’re taking home $36,391.

State income taxes

Where you live can make a significant difference in how much you take home after taxes. However, some states don’t charge income tax at all. Others have a flat-rate state tax system that applies regardless of income. And many states mimic the federal progressive tax system by using income tax brackets. 

Learn more about state tax rates here.

Since this number varies from state to state, your take-home total could now be anywhere from around $34 to $36k. Local income taxes could lower this amount further.

If your post-tax income is closer to the lower end of $34,000, that would equate to an hourly take-home rate of approximately $16 per hour. 

Calculate your taxes

Since these figures can change based on the year, the state you live in, etc., it’s always best to crunch the numbers for yourself!

Plug your information into a tax calculator to easily add up all these figures based on your personal situation. That will give you the best personalized answer to $45,000 a year is how much an hour after taxes.

Expert tip: Calculate your total compensation not just salary

When you’re evaluating job opportunities, salary is only one part of the picture. You should always be thinking about the total compensation it offers.

A job may pay a base salary, and then have extra opportunities for bonuses or commission payments. Or, two jobs may have equivalent salaries, but one offers more paid time off, a higher 401(k) match, and a learning stipend.

As another example, even little things, like free gym memberships or office lunches, can be factored into your total compensation calculations.

Plus, don’t forget to consider factors that affect your life but may not come with a monetary price tag.
Does a job have flexible hours? Will you have to spend a lot of time commuting, or is it remote-friendly? Are you expected to be on call, or will you have a predictable work-life balance?

While you may have to make some compromises, weighing all these factors (along with your personal priorities) will help you make informed career choices that bring you satisfaction and financial gain.

Jobs and careers that pay $45,000 a year

Let’s take a peek at some of the jobs that fall smack dab in the $45,000 range. Additionally, we’ll see what kind of career advancement you can access from these jobs.

1. Dental assistant

Mean yearly wage according to the Bureau of Labor Statistics: $44,710

Dental assistants take X-rays, help with patients, and manage patient records, etc.

To level up in this career, you could become a Certified Dental Assistant (CDA) or pursue specialization to assist in areas like orthodontics or oral surgery. With experience and advanced training, you can move into higher-earning roles like dental office management or dental hygiene.

2. Office/administrative support

Mean yearly wage according to the Bureau of Labor Statistics: $45,550

The umbrella career of “office and administrative support professionals” encompasses administrative assistants, receptionists, data entry clerks, customer service representatives, HR assistants, and more.

People in these jobs may handle tasks like managing schedules, answering phones, organizing files, assisting customers, etc.

To work your way up from a role like this, you can pursue training for higher office roles, like executive assistant, office manager, HR representative, project manager, etc. Ask your manager if there are specific things you can do to reach the next level. You might also learn how to become a virtual assistant with no experience to earn more in a related field.

3. Bookkeeping, auditing, or accounting clerk

Median yearly wage, according to the Bureau of Labor Statistics: $45,860

This career can work out well if you are good at math and numbers. Typically, you’ll keep track of and produce financial records.

If you want to earn more, consider becoming an accountant, as the pay goes up significantly for this type of role.

4. Personal chef or cook

Mean yearly wage according to the Bureau of Labor Statistics: $45,510

If you have experience working in kitchens, becoming a private chef could be a welcome transition from the chaos of a restaurant.

For instance, individuals, families, and private organizations may hire private chefs to create menus, shop for ingredients, and cook meals that accommodate for various dietary needs and preferences.

Those who enjoy this field can focus on building a strong reputation and expanding their client base to wealthier individuals. Or, work towards opening your own catering business or restaurant.

How can I earn more than $45k a year?

Now you’ve answered that $45,000 a year is how much an hour question, and if you’re currently earning $45,000 a year and want to bump that number up, we’ve got you covered! Here are three ideas to help you bring in more cash.

1. Start a side hustle

If you have free time outside of your day job hours, starting a side business can immediately boost your income! And there are a ton of ideas, so you can choose a gig that best matches your skills, interests, and personality.

Freelancing

As a freelancer, you have the flexibility to choose your clients, projects, and work hours so you can work around your existing schedule.

Leverage your expertise in areas like writing, graphic design, web development, or digital marketing, and figure out how to start freelancing with no experience! As a beginner, you can find clients through platforms like Upwork and also Fiverr.

E-commerce business

You can set up an online store to sell a wide range of products, whether they’re physical goods or digital downloads. Figure out what to sell on Etsy or check out Shopify, which provides user-friendly tools to help you establish an E-commerce business. 

Service-based hustles

The beauty of service-based side hustles is that you can tailor them to your interests and expertise.

For example, do you love pets? Offer to pet sit or dog walk in your community.

Yoga buff? Then, get certified to teach classes at a local studio or gym!

Skilled at an academic subject like math or English? Become a tutor.

Gig economy apps

If you have a smartphone and a car, a new side gig could only be a few clicks away! Popular gig economy apps include ride-sharing services like Uber, food delivery platforms like DoorDash, and projects and tasks using a platform like Taskrabbit.

2. Improve your skills

Whether you want to climb the ladder in your current career or transition to a new field, it all starts with improving your skill set. Here are a couple of tips to start with.

Identify marketable skills

Take some time to research the skills that are in demand in your industry (or desired field).

For instance, these could be technical skills, soft skills like communication or leadership, or specialized knowledge that will set you apart.

Invest in education and training

Consider enrolling in online courses, workshops, or pursuing a higher degree or certification relevant to your career aspirations. Continuous learning will make you a more attractive candidate and equip you with the knowledge and confidence to take on more challenging roles and responsibilities.

Apply for a new job or promotion

Once you’ve honed your skills and feel confident in your abilities, it’s time to turn that into a higher salary! Update your resume, showcase your newly acquired skills, and actively find a new job that offers better compensation and growth prospects.

3. Earn passive income

Find the best passive income ideas to supplement your salary. Let’s check out a few of them!

Invest your money

Answering $45,000 a year is how much an hour is just part of the equation.

However, investing your money wisely can generate passive income streams over time. Stocks, real estate investments, ETFs, and other kinds of investments can yield dividends, interest, and capital gains that boost your income. Learn about how to start investing for beginners!

Create content

If you have creative talents or expertise in a particular field, consider creating content that can generate passive income.

For example, this could include writing and publishing books, creating online courses, building apps, etc.

Rent out your assets

You can rent out more things than you think—from designer clothing in your closet to tools in your garage. Or even sell designer handbags for cash! Platforms like Airbnb for property rentals or car-sharing services like Turo can help you monetize your assets when you’re not using them.

How much is $45000 a year biweekly?

If you’re paid on a strict schedule of every two weeks, 45k a year biweekly for your gross paycheck figure should be $1730. (Again, you can expect taxes and deductions to reduce the amount that actually hits your bank account!)

Many jobs pay employees every two weeks. Since there are 52 weeks in a year, we simply divide that number in half: there are 26 biweekly pay periods in a year. Then, we’ll divide $45,000 by 26 to get our answer.

Other jobs pay on a slightly different cadence, e.g., on the 1st and 15th of each month. This is almost every two weeks but shakes out to 24 pay periods throughout the year instead of 26. If you’re paid twice a month like this, your gross paycheck should be $1875 instead. And don’t forget to create a biweekly budget!

Is 45k a good salary?

It can be, but it depends on your lifestyle and circumstances. USA Today (based on U.S. Bureau of Labor) explains that the average annual wage at the end of 2023 was approximately $59,000, which means $45k is technically a below-average salary. That said, the answer to this question is truly all relative. 

The cost of living is probably the biggest consideration here. A $45k salary will go much further in a rural or low-cost area compared to a major city with a high cost of living. 

It also depends on your personal circumstances.

E.g., do you have dependents? Single or dual-income household? How far along in your career are you? What other benefits and perks come with the job?

Ultimately, it’s up to you to consider how your salary aligns with your overall financial goals and quality of life. If you don’t feel like you’re earning enough, here are some tips on how to ask for a raise.

How much is $45,000 a year per month?

Dividing $45,000 by 12 comes out to $3750.00 a month, gross.

However, after taxes, your take-home pay will probably be closer to $35,000 (depending on various factors), which would leave you around $2900 per month for expenses.

Most of our bills are due on a monthly basis: rent or mortgage, car payments, insurance, credit cards, etc. When you’re budgeting with your monthly expenses list, it’s important to have a clear picture of your monthly income.

Articles related to $45k a year is how much an hour

If you learned something new from reading this article about a 45k a year salary, check out these posts next!

• The 5 Biggest Salary Problems Women Face
• $50k A Year Is How Much An Hour?
• What Does A 5 Figure Salary Get You?
• How Much Is A 40k Salary Hourly, Bi-Weekly, And Monthly?
• $60,000 A Year Is How Much An Hour?

Build your career plan to earn $45k a year and beyond!

It’s always smart to keep brainstorming how to reach the next level in your career and achieve all of your financial goals. Knowing how much an hour is 45000 a year is a good place to start.

Whether you’re aiming for a $45,000 annual income or higher right now, remember that your career journey is uniquely yours, and the possibilities are limitless when you’re armed with the right strategies and determination. Here are five tips to set yourself up for career success!

The post $45,000 A Year Is How Much An Hour? appeared first on Clever Girl Finance.

Most of us dedicate a significant portion of our lives to our jobs. While work can be fulfilling and rewarding, it can also be a source of stress and discomfort, especially when we find ourselves in a toxic workplace. In this article, we’ll delve into what constitutes a toxic working environment, how to recognize it, and what steps you can take to navigate within one and get yourself out of one.

What is a toxic workplace?

A toxic workplace is damaging to the well-being of its employees. It is an environment where employees are exposed to chronic stress, hostility, and unreasonable demands.

According to Lyra Health, this can affect employee’s physical and mental health.

In addition, over time, an environment that is toxic can eat away at employee morale and productivity and even lead to burnout.

A toxic workplace is not just an uncomfortable place to work – it’s an environment where negative behaviors, attitudes, and practices are not only tolerated but often encouraged or ignored. Its negative impact extends beyond office walls, seeping into employees’ personal lives and sometimes even causing lasting damage.

7 Signs that your workplace is toxic

Before anything can be done about it, it’s important to understand the specific signs of a toxic workplace. So let’s explore some of these signs in greater depth:

1. Hostile behavior and unhealthy competition among colleagues

Toxic workplaces often breed a culture of hostility and competition. Employees may engage in backstabbing, gossip, and political maneuvering to gain favor or protect themselves.

This hostile atmosphere can create a toxic working environment where trust is basically non-existent, and coworkers become adversaries rather than collaborators. Then you may find yourself trying to figure out how to deal with a toxic coworker.

2. Excessive workload and unrealistic expectations

In toxic working environments, employees might be subjected to excessive workloads and unrealistic expectations. This may manifest as constant pressure to work long hours, meet unattainable targets, or take on responsibilities beyond their capacity.

The result is an overworked and stressed workforce, leading to poor work-life balance in addition to decreased job satisfaction.

3. Lack of support and appreciation

These workplaces often fail to provide employees with the support and recognition needed to thrive.

For instance, your contributions may go unnoticed, unappreciated, or be attributed to others. The absence of appreciation and support can lead to not feeling valued and unfulfillment. And although you can practice enjoying the life you have outside of work, it may still feel overwhelming.

4. Poor communication and leadership

Effective communication and strong leadership are vital parts of a healthy workplace. In toxic environments, however, communication is often lacking or ineffective.

Bosses may fail to provide clear guidance and helpful feedback, leaving employees feeling confused and directionless. Supervisors who haven’t had good lessons in leadership can further deteriorate the work environment.

5. High turnover

Have you ever worked somewhere where employees are constantly coming and going? High turnover is a glaring indicator of a toxic workplace.

When employees often leave their positions, it suggests that the environment is not conducive to long-term employment. High turnover is usually caused by a combination of the other signs mentioned, such as excessive workload, poor leadership, and lack of support.

6. Favoritism

In toxic workplaces, certain employees might receive preferential treatment while others are unfairly marginalized. Favoritism can be a source of significant frustration and demoralization for employees who feel unfairly treated.

7. Unfair treatment and discrimination

Lastly, and most seriously, racial discrimination in the workplace, or discrimination based on gender, age, religion, or disability, is a clear sign of a toxic work environment.

Discriminatory practices that create a hostile and unjust atmosphere can lead to feelings of isolation and inequality among employees. Not only is this type of treatment hostile, but it is also illegal. 

Tolerating a toxic workplace for the sake of money

One common reason people endure toxic working environments is the lure of a steady income. Being financially stable is undoubtedly important, but it should never come at the cost of your well-being.

It’s important to think about the consequences of staying at a job that is hurting your mental or physical health. These include:

Health consequences of a toxic workplace

Prolonged time in a toxic workplace can have severe consequences for your health. Stress and anxiety could lead to health issues that may require costly medical treatments down the line.

Effects on long-term earnings

While a toxic job might offer higher pay in the short term, it can limit your long-term earning potential by hindering your personal and professional growth. Investing in your career aspirations and well-being right now may lead to greater financial freedom in the future.

Harmful to your quality of life

Assess the impact of the toxic working environment on your overall quality of life. Is the money you’re earning worth the stress, anxiety, and unhappiness that comes with it? Remember, your health and well-being should always be a top priority.

Employee rights when it comes to toxic work environments

In the U.S., employees have several rights designed to protect their well-being and ensure fair treatment in the workplace. These rights play a crucial role in combating a toxic working environment and include:

Right to a safe and healthy work environment

Did you know that employers are legally obligated to provide a workplace free from risk that could harm employees’ physical safety, according to OSHA? This includes having the correct safety equipment and health and safety training, in addition to other important factors.

Protection against discrimination and harassment

Discrimination or harassment based on certain characteristics, such as race, gender, age, religion, disability, or national origin, is illegal, according to the Equal Opportunity Employment Commission. These protections extend to all employees, regardless of their financial situation.

Right to fair wages and overtime compensation

Employers must comply with fair wage and hour laws, which vary by state. These laws ensure that employees are compensated fairly for their work and provided with overtime pay when applicable, according to the Department of Labor.

Family and medical leave rights

The Family and Medical Leave Act (FMLA) provides some employees with unpaid leave for various family or medical reasons (including childbirth). So this law helps employees balance their work and personal lives without the fear of losing their jobs.

The role of government agencies in enforcing these rights

There are government agencies, such as the Equal Employment Opportunity Commission (EEOC) in addition to the Department of Labor (DOL), that play a vital role in enforcing employee rights.

They work to ensure that all employees have access to a workplace free from toxicity and discrimination, and also will be your first stop if you need to escalate a complaint beyond your company.

Expert tip: Don’t tolerate a toxic job just for stability

Have you ever heard the saying, “better the devil you know than the devil you don’t?” This highlights a common mindset that can keep people trapped in unhealthy jobs.

This type of thinking often stems from fear of change or uncertainty about the job market. People may rationalize staying because it feels safer or more stable than the unknown.

However, it’s crucial never to stay somewhere out of fear that it’s the best you can do. There is always a better alternative to a toxic workplace.

What qualifies as a toxic work environment?

A toxic working environment is characterized by systemic and prolonged toxicity that negatively impacts your well-being and performance. If you consistently experience the signs of a toxic workplace mentioned earlier, you are likely in one of these negative environments.

Distinguishing between occasional workplace challenges and a toxic environment is necessary for taking the appropriate action. Occasional workplace issues, such as disagreements or temporary stress, are common and can often be resolved through open communication.

What to do when your workplace is toxic?

If you find yourself in a toxic workplace and your total wellbeing is affected, knowing how to address the issue properly can be difficult. So here are some ideas and steps you can take to navigate this kind of toxicity:

1. Confront the issue with colleagues or supervisors

Engage in open dialogue with colleagues or supervisors to address specific concerns and then seek a solution. Sometimes, just raising awareness can lead to positive changes.

2. Utilize internal reporting mechanisms

Many companies have internal channels for reporting workplace issues. If yours does, follow the established procedures to document your concerns and ensure they are formally addressed.

3. Document incidents and keep records of a toxic working environment

Maintaining a detailed record of incidents, including dates, times, locations, and individuals involved, is important. This documentation can be helpful if you end up escalating the situation or need to provide evidence of the toxic work environment.

4. Find external assistance

If internal avenues are unhelpful or your concerns involve higher-level management, consider contacting your organization’s HR department. You can also seek legal counsel for advice on the best course of action.

5. Seek emotional support

Dealing with a toxic workplace can take an emotional toll. So lean on friends and family for emotional support.

In addition, if the toxicity of your workplace is taking a significant toll on your mental wellness, don’t hesitate to seek professional help. A mental health professional could also help you manage the emotional impact of working at such a place.

Deciding whether to stay or leave

If you find yourself in a toxic workplace, understanding your options and then making informed decisions about your future is necessary. Ultimately, you should decide to stay or leave based on what is best for your long-term well-being and career growth. These steps can help you figure that out:

1. Consider alternative job opportunities

Actively search for alternative jobs that align with your career goals and values. Additionally, trying out networking tips, honing your interview skills, and updating your resume can increase your chances of finding a better fit elsewhere.

2. Evaluate the financial implications

Review your financial situation carefully. Try using one of the best budget templates to make a budget that includes your current expenses, potential income sources, and savings. This will help you determine how long you can sustain yourself without your current job if you choose to leave.

3. Create an exit plan

Develop a well-thought-out exit plan that considers timing, logistics, and the steps required to switch to a new job. Planning your exit will help you navigate the transition more smoothly and confidently.

How do I talk to my boss about a toxic work environment?

Having a conversation with your boss about this topic can be intimidating, but it may be necessary if you want to find a resolution. Here are the essential steps to navigate this challenging conversation:

1. Prepare for the conversation

Firstly, you’ll want to gather evidence to support your concerns.

This may include documentation of specific incidents, emails, or examples of toxic behavior. Prepare a clear and concise outline of the issues you want to address.

2. Communicate your concerns about the toxic workplace effectively

Next, approach the conversation with professionalism and remain calm. It might be helpful to use “I” statements to express how you feel and how the toxic working environment is affecting your work and well-being.

For example, “I have been feeling overwhelmed and stressed due to the excessive workload, and it is impacting my ability to perform at my best.”

3. Deal with potential outcomes

Then be prepared for various reactions from your boss, including denial, defensiveness, or, hopefully, a willingness to address the issues. Be patient and open to constructive dialogue. If your boss is receptive, work together to develop a plan for addressing the issues you raised.

4. Seek other channels of support

Last, if the conversation with your boss is not helpful or if you have a toxic boss who is part of the problem, explore other support channels within your organization. Contact your HR department to voice your concerns and seek assistance in resolving the issues. Legal counsel may also be an option if necessary.

Articles related to a toxic workplace

If you learned a lot from reading about dealing with a toxic workplace, check out these other posts next!

• Dealing With Racial Discrimination In The Workplace
• Tips For Dealing With A Toxic Boss
• How To Deal With A Toxic Coworker
• Should I Quit My Job? How To Know And What To Consider

Nobody should have to tolerate a toxic workplace

Recognizing the signs of a toxic workplace, understanding your rights, and taking steps to address the issue are all essential aspects of dealing with a toxic working environment.

Remember that you have the power to shape your career path and find a work environment that supports your growth, happiness, and overall quality of life. So determine your next steps and begin working towards starting a new life that is better for your health and wellbeing!

The post Seven Signs Of A Toxic Workplace And How To Navigate It appeared first on Clever Girl Finance.

Are you fed up with the 9 to 5 grind? Do you need to earn some extra cash or find a job that fits around your daily commitments? Night shift jobs may be the solution you’re looking for, and the good news is there are lots of opportunities out there and we’ve got several to share. So keep reading!

Over night jobs come with attractive benefits, including higher pay, less competition, and more independence. So they are definitely worth considering if you are looking for a flexible schedule or want to earn more income!

We’ve found 19 of the best night shift jobs, and in addition, their typical duties and average salaries to help make your night job hunt easier.

Who are night shift jobs suitable for?

Night shift jobs are suitable for anyone if they don’t mind working overnight. Keep in mind that, overnight shifts will typically start between 10 p.m. and 12 a.m., but some jobs will have different working hours.

That said, there may be specific categories of people who might be better suited to night shift jobs. This includes:

• Students who study during the day
• Parents that want to be available to care for their children
• Anyone who doesn’t like getting out of bed in the morning
• People who want to earn extra money or boost their savings funds

Sound like you? Then you’re in the right place to find out everything you need to know.

The best night shift jobs to work in person

A great thing about overnight work is that there are so many different types of work available to suit everyone!

For instance, lots of companies need to maintain their operations 24/7, and as a result, this means providing work for people like you.

So if you prefer to work night shift jobs at a workplace and socialize with others, then these are the top options for you.

1. Flight attendant

Flight attendants keep passengers safe and comfortable during flights. It’s a flexible and rewarding career, and you can travel and work shifts at night. So if you love working with people and traveling, this is a great in-person overnight job.

Typical duties can include:

• Attend flight briefings with pilots
• Help travelers find their seats
• Keep the cabin clean and stocked with drinks and food
• Correctly demonstrate and use safety equipment
• Deal with disruptive or suspicious behavior

Average flight attendant salary: Flight attendants makes a mean annual wage of approximately $67,000 a year, according to the Bureau of Labor Statistics.

However, exact earnings will depend on the airline you work for and number of shifts you work.

2. Air traffic controller

Directing aircraft traffic is an important job that is needed 24/7. This means that you can pursue this career and opt for the night shifts if you want overnight work. Specifically, strong communication skills and the ability to work under pressure are a must.

Typical duties may include, according to the Bureau of Labor Statistics:

• Provide information on weather, runways, and more
• Direct pilots during take-off and landing
• Raise emergency alerts
• Keep track of and manage aircraft both in the air and on the ground

Average air traffic controller salary: Air traffic controllers are paid well, earning an average of about $56,000 a year, explains Indeed.

3. Healthcare worker

Healthcare is one of those professions that is available whenever you need it, regardless of the time of day or night. So night workers are needed during irregular hours.

If you want to work in healthcare but in a quieter, less hectic environment while most patients sleep, ask for the night shifts! And you might even be able to find medical jobs without a degree.

Typical duties depend on the type of job, but may include:

• Monitor patients
• Conduct health checks
• Wash and dress patients
• Administer medication
• Help with emergency situations

Average healthcare worker salary: For example, a Registered Nurse night shift job can earn an average salary of approximately $59,000 a year, according to ZipRecruiter. Additionally, with more experience, your earnings can increase.

4. Bartender

Bartending can be a great job. Why? Because it boosts your self-confidence, you meet loads of interesting people, and you can work in the evenings, leaving your days free to do anything you want.

Typical duties might include:

• Interact with customers and take orders
• Produce a range of alcoholic and non-alcoholic drinks
• Provide drink recommendations
• Maintain a clean and safe environment
• Process payments

Average bartender salary: In the United States, bartenders make approximately $48,000 per year, claims Indeed. If you make a good impression on your customers, you’ll also pocket some extra dollars as tips!

5. Hotel receptionist

You can earn a good salary from working in hospitality during the night. A receptionist is essential to ensure the smooth running of a hotel, especially throughout the night when other areas of the building may be closed.

Typical duties can include:

• Take reservations
• Deal with customer queries and issues
• Provide guests with information on hotel facilities and local amenities
• Process payments
• Handle and complete paperwork

Average hotel receptionist salary: Hotel receptionists can earn a respectable average of about $30,000 by managing the front desk of a hotel at night, according to Zippia.

6. Security guard

Security guards work at a range of sites, for example, construction, warehouses, events, retail, and more.

In addition, one of the best benefits of working in this field is the ability to choose your own hours and jobs.

Typical duties might include, according to TalentLyft:

• Patrol and inspect premises at regular intervals
• Keep the property entrance secure
• Authorize entrance for allowed people and vehicles
• Monitor surveillance footage
• Report any suspicious activity

Average security guard salary: As a night security guard, you will make an average of about $42,000 per year in the US, claims ZipRecruiter.

7. Warehouse operative

Working in a warehouse is a popular choice for night shift jobs.

Additionally, there are usually lots of roles available, and you don’t need prior experience or qualifications to get started. It’s also extremely flexible with lots of variety, suiting anyone with commitments and a busy daily routine schedule.

 Typical duties may include:

• Load and unload goods from delivery vehicles
• Check damaged or missing items
• Pack customer orders
• Operate forklift trucks to move stock around the warehouse

Average warehouse operative salary: Wages for a warehouse worker are about $33,000 a year, according to Talent.com.

8. Firefighter

Fancy doing something a little bit different to earn money at night? Undeniably, a firefighter is a rewarding career path for anyone who wants to help protect their local community.

Like other emergency services, firefighters are needed around the clock, making it a good career choice for night owls.

Typical duties can include:

• Regularly check firefighting equipment to ensure it is safe and efficient to use
• Respond to emergency calls
• Control and distinguish fires
• Rescue people and animals from burning establishments
• Handle bomb alerts and flooding

Average firefighter salary: Firefighters earn an average of $53,000 annually, according to Indeed.

9. Baker or confectioner

Do your friends and family always compliment your baked goods and sweets? Becoming a baker or confectioner is one of the best ways to escape the 9 to 5 routine.

Additionally, you don’t even need any formal qualifications or experience to get started!

Typical duties might include:

• Correctly measure and mix raw ingredients
• Bake a range of goods such as bread, pastries, biscuits, sweets and desserts
• Decorate goods to a high finish
• Follow food safety and quality guidelines
• Take and fulfill customer orders

Average baker salary: In the US, overnight bakers earn around $30,000 annually on average, according to ZipRecruiter. However, your years of experience can affect your earnings in this industry.

10. 911 dispatcher

If you’re looking for night shift jobs where you can make a real difference to somebody’s life, then a 911 dispatcher is a great option. You can be part of a night team that works together to provide advice, support, and also emergency help to people in need.

Typical duties may include:

• Take emergency and non-emergency calls
• Assess and interpret a caller’s information and deploy the right support
• Communicate with the caller and offer support until help arrives
• Keep other emergency service teams updated
• Help prepare paramedics and police for their arrival at the scene

Average 911 dispatcher salary: You can expect to earn approximately $42,000 from working as a 911 dispatcher, claims Salary.com.

The best overnight remote jobs

For various reasons (for instance, childcare costs and availability, health issues, or personal choice), you may need an overnight remote job that you can do while working from home. If so, these are the jobs for you!

Keep in mind that you can work these jobs in person as well.

11. Content writer

There are so many reasons why a job in content writing is one of the best overnight remote jobs. You don’t have set hours, so you can log on to your laptop and write at any time of the night. You can learn how to become a freelance writer and work at your own pace, which is great if you have a busy life!

In addition, the work is varied and enjoyable.

Typical duties may include:

• Draft content ideas for approval
• Write long-form blog articles
• Creating compelling product descriptions
• Generate copy for website pages
• Write marketing material for a variety of formats

Average content writer salary: Content writers in the United States earn an average of $58,000 annually, says Glassdoor – undeniably, this isn’t bad for something you can do from home at night time in your PJs!

12. Customer service representative

If you want to work with people remotely, then an overnight customer service representative is a good career to consider. Lots of companies provide their customers with 24/7 help and support, which means they need people to work the night shift.

Typical duties could include:

• Respond to customer inquiries
• Answer questions and give advice
• Process orders
• Resolve issues
• Handle complaints

Average customer service representative salary: Overnight customer service representatives earn about $35,000 annually in the US, according to Glassdoor.

13. Social media manager

Social media is essential for all businesses. However, companies don’t always have the time to manage it effectively in-house.

You can easily do this role remotely during the evenings, so your client’s social media content is created and scheduled ahead of publication.

 Typical duties:

• Maintain a content calendar
• Create social media posts across all platforms
• Respond to online conversations
• Produce and monitor ad campaigns
• Set objectives and report on ROI

Average social media manager salary: Social media managers can receive an average annual salary of $70,000 per year, states Zippia.

14. Editor

Editing jobs make great night shift jobs because you can do it remotely and at a time that suits you. All you need is a good laptop and a reliable internet connection to work on a variety of written formats, such as books, websites, articles, legal documents, training manuals, and more.

Typical duties:

• Identify and correct spelling and grammar errors
• Check all facts, statistics, and statements
• Rewrite sentences for clarity
• Suggest headlines and titles in line with the content
• Comply with brand guidelines

Average editor salary: Editors in the US earn approximately $66,000 per year, says Indeed.

15. Software developer

If solving problems is your cup of tea, then becoming a remote software developer is one of the most rewarding over night jobs to consider.

In addition, you’ll never be short of work either, as companies all over the world look for programmers to help them develop software that solves an issue.

Typical duties:

• Listen to user needs and review current systems
• Suggest ideas
• Create cost proposals
• Develop and test software solutions
• Collect user feedback and make improvements

Average software developer salary: A career as a software developer can be very lucrative. The median salary is $120,000, says U.S. News.

16. Technical support

For fellow night workers, being faced with a technical problem on your laptop at 1 a.m. is inconvenient and frustrating. This is why companies like Apple hire night technical support staff to provide their customers with assistance around the clock.

It’s one of the best night shift jobs to have if you are good with computers and modern technology.

Typical duties:

• Take support calls via email, chat, text, and other communication methods
• Identify and resolve user issues promptly
• Assist with the installation of equipment or software
• Resolve network issues
• Provide technical information on products and services                         

Average technical support role salary: Most technical support representatives will earn an average of about $57,000 per year in this job, claims Indeed.

17. Telephone triage nurse

A telephone triage nurse is an important job that can be done overnight from the comfort of your own home. There are several different opportunities in this field, such as working for private practices, pharmaceutical companies, or assisting physicians.

Typical duties:

• Answer patient calls
• Assess symptoms and conditions
• Give medical advice over the phone
• Consult other medical professionals when required
• Refer patients to further help if needed

Average telephone triage nurse salary: The amount of money you earn in this field will depend on your experience. The average salary for triage nurses is about $84,000 per year, claims NursingProcess.org.

18. English teacher

If you’re looking for overnight remote jobs that enable you to work with children too, becoming an English teacher is a great choice. Because of the time difference in other countries, there’s a demand for teaching English online to foreign students during the night.

Typical duties may include, according to Betterteam:

• Prepare lesson plans to help improve children’s reading and writing
• Create and deliver interactive, educational content and activities
• Adapt your teaching style to suit students’ needs
• Monitor and report on children’s progress

Average English teacher salary: Remote English teachers can earn a decent yearly salary of about $52,000 per year, says ZipRecruiter.

19. Graphic designer

Working as a graphic designer is the perfect career choice for creative individuals who want to work remotely at any time of the day or night. Most people in this line of work thrive from being able to set their own schedule and work when they feel their most creative.

Typical duties:

• Understand and interpret design briefs
• Produce design visuals
• Present ideas to clients
• Develop designs by hand or software
• Work with copywriters and marketing teams to ensure graphics are on-brand

Average graphic designer salary: Graphic designers make an average of about $50,000 annually, according to Talent.com, although it can be more depending on your experience and client budgets.

Expert tip: Make working a night shift job easier by keeping a routine

As a night shift worker, it’s a great idea to try to stick to a schedule on your days off to stay mentally and physically healthy.

So make a time management plan for the best time to do things such as your self-care routine, exercise and socializing. This will help you make the most of your spare time and ensure you can fit in what’s important to you.

Don’t forget to try and eat and sleep at the same times every day to keep your body happy and healthy. Your day off may look something like this:
6am: Finish work
6.30am: Breakfast
8am: Sleep
3pm: Exercise
4pm: Socialize
5pm: Eat
6pm: Nap
8pm: Self care
10pm: Start work

Adjusting to over night jobs with a new schedule can be challenging but these tips will set you up for success!

What is the best night job to have?

The best night jobs to have are ones that allow you to use your skills and pay the amount of money you want to earn.

For instance, public services, hospitality, and freelance work are industries that need good night staff, and you can even learn how to start freelancing with no experience. Consider your skill set and make a short list of jobs that you’re interested in.  

Ultimately, the best night job to have is one that you’re happy in!

Is night shift pay worth it?

Night shift pay can be worth it, as most companies will pay a higher hourly rate for unsociable working hours, but it isn’t guaranteed.

However, consider the other reasons why you want to do night work and use them as your main motivation for overnight work.

Some of the top reasons people work night jobs are:

• Spend more time with your family
• Achieve a higher quality of life or start a new chapter in life
• Have more time to do the things you love during the day
• There are fewer distractions
• You can earn a higher salary
• There’s no need to travel during rush hour

You may find that lots of people don’t find the idea of night work desirable, meaning less competition for shifts and also an increase in earning potential.

Can you work the night shift at Amazon?

Yes, you can work the night shift at Amazon. Amazon offers a range of night shift roles, and the pay can make this an appealing choice.

If you want to work for a company that offers competitive rates of pay and the possibility for other benefits like insurance and shopping discounts, Amazon ticks the boxes.

Articles related to working night shift jobs

If you learned a lot from reading about the best night shift jobs, check out these posts next!

• The Best High Paying Remote Jobs
• How To Find A New Job You Love
• The 22 Best Work From Anywhere Jobs To Earn More Money!
• 18 Of The Best Online Part-Time Jobs From Home

Find the best over night jobs options for you!

Night shift jobs won’t suit everyone. But if you’re a night owl or can only work while everyone else sleeps, there are plenty of options for you.

Additionally, it’s completely possible to earn a decent salary by working at night and spending your days doing whatever you want.

All you need to do is decide what type of career aspirations you have and where you want to work. Check out a job blog or two and take the time to find out what career is best for you. Good luck finding the perfect overnight job!

The post 19 Of The Best Night Shift Jobs To Earn Extra Cash appeared first on Clever Girl Finance.

As a single mother, you aren’t just the sole caretaker for your children. You’re also the sole earner for your household. As a result, it can be hard to meet all your financial needs. The challenging economic times can cause housing problems for many families, especially single mothers, so rent assistance for single moms is crucial.

Of course, any changes to your finances can make it hard to find affordable housing, even in a great economy. That being said, we’ve put together a list of options when it comes to rent assistance for single moms.

Programs offering rent assistance for single moms

Below is a list of some programs offering rent assistance for single mothers. Most require proof that your income is below a certain level as well as other circumstances that mean you qualify for these resources. 

Public housing agencies (PHAs)

The public housing agencies, or PHAs, in your area are a good resource to begin searching for rent assistance for single moms. They manage programs like the public housing program and the housing voucher program.

The public housing program

The Department of Housing and Urban Development offers the public housing program. This program helps provide safe rental housing for low-income families. In order to qualify for this program, you must be a low-income family, elderly person, or have a disability.

Income limits apply, and those limits vary by location, so you may qualify for public housing in some areas but not in all areas.

Nearly one million households across the U.S. live in public housing units , managed by about 3,300 different public housing authorities. To apply, start by visiting the HUD’s website to find your local public housing agency (PHA).

Housing choice voucher program (Section 8)

The Housing Choice Voucher (HCV) program is another HUD program for low-income families. This program doesn’t provide actual housing as the public housing program does. Instead, it gives out vouchers to help low-income families rent units in private housing.

Locally, housing choice vouchers are administered by public housing agencies (PHAs). The PHAs receive federal money from HUD to provide this rent assistance for single moms and other low-income renters.

The family is responsible for finding housing where the owner agrees to the rent under the program. The landlord’s payments come directly from the public housing agency on the renter’s behalf; then, the family pays the difference between the rent charged and the program’s reduced amount. Contact your nearest HUD office to apply. This process may have a long wait time, however.

Subsidized housing

The federal government has a HUD program for subsidized housing. This program gives property owners money to motivate them to offer low-rent apartments. This program allows renters to apply directly with the landlord or property manager. The property manager will then disclose income limits for each unit.

Also, property owners can force other requirements. Use the HUD affordable housing locator to find privately-owned subsidized rentals near you.

USDA rental assistance

The U.S. Department of Agriculture offers various programs to help families find affordable homes in rural areas. A rural area is housing that is located outside of urban areas. These programs help low-income tenants who can’t pay their full rent. They help by providing payments to the property owners on the renter’s behalf.

To be eligible for these programs, you must be a low or very-low-income tenant in a rural area. This is a great option for single moms looking for a home in the country. You can use the USDA website to find affordable rural rentals in your area.

Temporary Assistance for Needy Families (TANF)

Another federal program that may provide housing assistance is Temporary Assistance for Needy Families, or TANF. States receive grant money for low-income families with children, and with flexibility around how it’s used, it could go towards helping single moms afford rent, among other household costs.

Find out about TANF in your state to see whether you qualify for monthly cash assistance. 

State agency programs offering rent assistance for single moms

Just like the federal government, each state has a housing agency. Many states have rental assistance programs to help low-income families with housing costs. For more information, contact your state’s housing agency or authority.

Salvation Army

The Salvation Army provides a variety of programs to help individuals in need. Their services include:

• Homeless shelters for those without a place to stay
• Transitional housing for those recently evicted
• Housing for those dealing with a domestic breakup, or any other housing crisis
• Permanent supportive housing for elderly and low-income individuals

For more information, visit the Salvation Army website.

Catholic Charities

Catholic Charities USA offers affordable housing programs to vulnerable residents. They do this by providing emergency shelter or transitional housing, as well as long-term help to those in need. This includes rent assistance for single moms.

CCUSA currently has more than 35,000 permanent housing units around the country. 1,200 new units are being built to help aid more families. To find Catholic Charities services near you, visit the CCUSA website.

CoAbode

CoAbode is an organization designed to help single mothers connect and create a community. Their mission is to help two single mothers share a home and raise their children together. As a result, both mothers benefit from a reduction in housing expenses of about 40%.

Just imagine the additional benefits of having another mom around to share the load and possibly even connect on a personal level. Mothers also carpool to increase social interaction in the community. You can visit CoAbode’s website to learn more about their programs.

Local non-profit organizations offer rent assistance to single moms

Nationwide, non-profit organizations work to help people improve their lives in their communities. These organizations provide housing solutions such as transitional housing or financial assistance to help low-income individuals. Simply search for non-profit organizations in your city, county, or state to learn more. Area churches may also be a good place to begin.

Expert tip: Look into support from local and government organizations

Housing for single moms represents one of your largest expenses, and it can be scary as you worry about your children’s safety. Don’t be afraid to look into all of the government and local organizations offering resources to help you navigate single parenthood.

As a single mom, there’s likely nothing you wouldn’t do to provide a healthy environment for your kids. Use the resources available to you to make it easier to find rent assistance for single moms or other housing assistance. 

Other resources to leverage as a single mom

In addition to programs that specifically provide housing for single moms, you can also utilize programs that help in other areas. Affording nutritious food and safe childcare can be difficult on one income, so check if you qualify for assistance programs like WIC and SNAP. 

Women, Infants, and Children’s Program (WIC)

Women, Infants, and Children’s Program, or WIC, provides food assistance and guidance. While pregnant, breastfeeding, and postpartum, as well as up until age five for your children, you may qualify for WIC. Get food and health care referrals as well as nutritional counseling and education through this program.  

Supplemental Nutrition Assistance Program (SNAP)

You might know this federally funded program as food stamps, but it’s officially the Supplemental Nutrition Assistance Program (SNAP). If you’re a single mom on a low income, you may qualify for SNAP benefits, which are funds loaded onto an EBT card for grocery shopping. Income limits and money in the bank are factors in whether you’re eligible. 

Human Services Child Care Assistance Program (CCAP)

Not only is housing for single moms often a financial struggle, child care costs can absorb a huge chunk of your monthly income. Applying for the Child Care Assistance Program within your state may help cover much of the cost of daycare and supplemental childcare. 

Low-Income Home Energy Assistance Program (LIHEAP)

On top of housing for single moms, you’ve got to pay bills for utilities. The Low-Income Home Energy Assistance Program (LIHEAP) offers federal funds to help families afford energy bills. Stay cool in the summer and warm in the winter by accessing these resources. 

Learn more about money as a single mom

Being a single mom might not leave you with much free time as the breadwinner for your household, but there are ways to improve your financial literacy. If you don’t feel quite prepared financially, you are capable of learning and becoming more savvy about money. 

Take financial courses

Did you know that Clever Girl Finance offers over a dozen free online financial courses? Learn about organizing your finances, budgeting, building your credit, investing, and more with our resources. And of course, you can also browse hundreds of blog articles to help you optimize your financial life.

Read financial books

You can find a number of other ways of gaining financial knowledge. Your local library may hold free educational events on topics like budgeting and debt, for example. While we’re on that subject, if you haven’t used your public library, it’s a wealth of resources like financial literacy books. 

Find ways to increase your income

While you’re in the trenches of trying to find housing for single moms, as well as feed and care for your kids, it may be easy to ignore your future. But even if your income isn’t where you want it to be, it doesn’t need to stay that way. 

Acquire new skills

Try ways of boosting your income, like taking online courses to train for a new career, or starting a profitable side hustle. These skills can provide you with the tools to successfully earn additional income.

Find side jobs

There are several jobs for moms without a degree and jobs for stay-at-home moms to consider.

If you can’t find a ton of time to pursue extra income, see if you can swap childcare with a mom friend. That might gain you a few hours for a weekend side job if you can find someone you trust with your kids. 

How can I afford to live on my own as a single mom?

Signing up for public housing or rent assistance for single moms through governmental and local organizations can make your ability to afford living on your own feasible as a single mom. In addition to housing assistance, you may be eligible for resources that help single moms afford childcare and nutritious food. 

What is the best place for single moms to live?

The question of where to live as a single mom depends on a lot of different factors. You’ll need to do some research on the resources and programs available to you based on your income, assets, family size, and other qualifications. Inquire with both government and non-profit organizations to find out what options you have, of course keeping your children’s safety top of mind.

Related articles for single moms

If you have found this article on rent assistance for single moms helpful, check out this other related content:

• Where To Find Rent Assistance For Single Moms
• Key Resources And Money Tips For Low-Income Families
• How To Live Without A Job Until You Get A New One: 5 Tips
• 8 Ways To Create A Winning Single Mom Budget
• How To Afford Being A Stay At Home Mom

Leveraging rent assistance for single mothers can help ease financial troubles

Raising children on your own brings its own unique financial challenges, among other single mom struggles. Luckily, there are plenty of organizations offering rent assistance for single moms, which can make it easier to survive financially. 

If you are currently facing housing concerns, start exploring these programs to find an affordable housing solution. Above all, keeping your family safe is most important. P.S. Here are some tips on how to create a single mom budget.

The post Where To Find Rent Assistance for Single Moms appeared first on Clever Girl Finance.

It’s totally normal to want things you can’t afford, but it can damage your finances if you give into temptation too often. This is because it makes you start living above your means. Whilst it’s hard to admit that you don’t have the funds for a massive house or a brand new car, it’s essential if you want to start living below your means.

New releases of electronics, designer clothing and cars always try to tempt us to spend money on material things. Unsurprisingly, the average credit card debt in a U.S. household is over $17,000!

That said, in this article, you’ll learn how to create a financial plan to set yourself up for financial success and resist living above your means.

Why is it important to live below your means

Living below your means gives you financial freedom. Eliminating debt also enables you to save more money for unexpected costs or events such as a job loss. The job market continually changes, causing some careers to vanish and creating new opportunities.

Are you counting down the days between paychecks? This is a common sign that you are living above your means with no savings to fall back on. Financial uncertainty can be a worrying time, so it’s essential to start saving money, paying off debt and living below your means. It will prevent you from scrambling for cash or reaching for your credit card at the last minute.

How living above your means impacts your finances

Living above your means is expensive in many ways. You pay high amounts of interest on credit cards, you buy a car that straps your budget and impacts your credit score, or maybe even buy a house that is a bit out of your salary range despite what it may say on paper.

Just because it looks like you can afford it doesn’t necessarily mean you can if your situation changes. When you make a purchase, you need to consider the unexpected expenses that may accompany it.

Here are some examples of financial decisions that significantly impact your finances.

Being overextended due to a home purchase

When buying a property, you need to consider the costs of running a house.

Typical costs of homeownership include:

• Monthly expenses like your mortgage, utilities, rent, subscriptions, entertainment
• Insurance
• Maintenance and repairs
• Property taxes
• Heating/ventilation/air con systems

With all of the above considered, would you still be living above your means, below or within it? Knowing this before making a large financial commitment that you may regret later is a good idea.

Impulse purchases beyond your budget

Spending unnecessarily is one of the worst things you can do when it comes to living above your means. It’s way too easy to make unnecessary purchases on those high-interest credit cards when we see something we think we must have.

But then the credit card statement lands on your doormat. And when you don’t pay off your balance, you pay way more for that handbag than you think. Living above your means can create financial chaos.

Financing a car at a high cost

Using finance can enable you to own a better quality car than you may have been able to purchase with your own money. Perhaps you’ve wanted a new car vs. another used car.

Before you make this decision, you need to ask yourself, “can afford to make this regular payment for the contract term and still live within your means?” It’s also important to consider any fees or penalties you’d have to pay if you needed to end your agreement early if you could no longer make the repayments.

Signs you’re living above your means

When it comes to your finances, there are some key indicators to help you determine if you are living above your means. The sooner you identify them, the better.

1. You don’t have an emergency fund

An emergency fund is money that you put aside for unexpected events and life emergencies. The goal is to have at least 3-6 months of essential living expenses in a separate savings account.

Most people don’t have enough money in their emergency savings fund. This may seem hard to attain, but you can start with your first goal of $1000 and build from there.

2. You have credit card debt

Credit card debt is expensive. Especially if you have a higher-rate credit card. If you only pay the minimum, it can take years to pay off the balance, which can cost you thousands of dollars extra over time.

If you use your credit cards, it’s best to pay off the balance every month. You avoid paying interest and racking up debt by paying the balance in full.

3. You’re not saving at least 10% of your income

One of the best ways to save is by putting at least 10% of your income away every pay period.

For example, if you make $500 a week, you will save $50 every paycheck. By following this 10% approach you can quickly save up your first $1,000 for your emergency fund. 

The benefit of this method of saving is that 10% isn’t a huge amount, so it’s achievable. If you don’t have any spare cash, look at where you can cut back in other areas and save that money instead.

4. You are purchasing big-ticket items despite your finances

Are you upgrading your expensive smartphone yearly or buying expensive designer bags on your credit card?

If so, you are definitely living above your means. The infamous saying “charge it” is a fast way to go into debt. If owning the latest technology or accessories is important, buy second-hand instead and save money that way.

5. You’re paying for expensive vacations you didn’t plan for

Everybody needs a break, but you aren’t living below your means if you aren’t saving money to take it and charging it instead.

Vacations are expensive and require effective budgeting to prevent going into debt. Travel out of peak season and search the internet for discounts before you book.

How to start living below your means

You’d be surprised how quickly you can learn to live below your means with the right budgeting tactics and finance resources.

With the right money mindset and frugal lifestyle, you will surely acquire the financial success you desire. Try out the following tips to get started.

1. Assess your current financial situation

If you don’t know the status of your financial health, you can’t improve it.

Write down all of your income and outgoings so you can see the entire picture. Don’t leave anything out, even your daily frappe! Categorize spending habits so you can easily see where your money is going and work out your debt-to-income ratio. All of the information you learn from this step is vital for step 2. 

2. Make a budget

The first step to start living below your means is to make a budget. You need to determine how to create a budget that best fits your financial needs. There are a variety of ways to make a budget. Some popular budgeting methods are:

• Cash envelope system
• Percentage Breakouts
• Zero-based budgeting
• App & Spreadsheet budgeting

The important step is to use a budget method that is best for you and that you will stick to. Budgeting is a proven way to help you avoid lifestyle creep and unnecessary expenses, which happens when you increase your spending in line with an increase in income.

3. Create a financial plan

A financial plan is crucial for financial security. Creating a strong financial plan will help you attain your short term and long-term goals for your finances. Your plan will include:

• Your goals
• A debt payoff plan
• An emergency savings plan
• An investment plan
• Even an estate plan

You can either use a financial planning template or get creative and make your own. It doesn’t matter what it looks like, just that you can record and monitor your finances easily.

4. Curb your spending

The most effective way to start living below your means is to reduce your spending. You can save lots of money by not spending money on things such as coffee and clothes you don’t need, and dine out less.

Another way to save money is using cash instead of credit or debit cards. This makes you more aware of how much you are spending daily.

5. Live frugally

There are many tips and tricks to help you live a frugal lifestyle. You can purchase items preowned such as clothing, electronics, etc. Start couponing, save money at the grocery store, and buy in bulk to get cheaper items.

Downsize into a smaller home or apartment if needed and sell off items you don’t need for extra money. When you determine your needs vs. your wants, you start living below your means by being frugal with your spending.

6. Improve your money mindset

It’s all about perspective. Improving your money mindset can help you get a grip on your finances and stop anxiety caused by financial stress. Don’t focus on the negative. Use your past mistakes as a learning curve to make the adjustments to get your money right.

Rather than considering living below your means as a restriction, view it as the path to financial independence.

7. Make extra money

One of the most effective ways to live below your means is to increase your income. Having spare dollars left in the bank each month also acts as a financial cushion in case you’re faced with unexpected costs, such as needing to buy a new washing machine.

Whilst starting a side hustle is the most common way to make more money, you can also:

• Sell items you no longer need or use
• Invest in opportunities that generate passive income
• Work overtime

The more money you have to spare, the better your financial position is.

8. Utilize finance courses & resources

It’s easy to feel overwhelmed when you try to adjust your finances. We’re here to help you get on the road to financial success with our 100% completely free finance courses & resources!

You can use these courses and worksheets to help you through your financial journey and stay motivated every step of the way.

Expert tip: Consider downsizing your house

If you’re serious about living within your means, it’s time to start looking at your current living situation. Do you really need a three-bedroom property right now?

Just because the bank suggests that you can afford a $300,000 home doesn’t mean you should buy one. Downsizing and moving to a smaller house in a less affluent area is one of the best ways to start living below your means.

This way, you can enjoy being a homeowner without feeling like you’re being stretched financially each month. You’ll also have more money spare to pay off debt or top up your savings in the long term.

By how much should you live below your means?

The 50-30-20 rule is an easy-to-follow guide for figuring out how much you should live below your means.

50% of your monthly income should be allocated to paying for all your unavoidable expenses. This will include mortgage/rent, utility bills, groceries, transport and any debt repayments.

30% of your money can be used for funding your wants, such as eating out, holidays, entertainment and anything else that isn’t essential.

20% towards achieving your savings goals. Putting this money into a separate account is a good idea so you won’t get tempted to spend it on other things. It’s amazing how quickly your savings will add up!

If you use the proven 50-30-20 budgeting method to help you live below your means, you’ll have more control over your finances while still enjoying life and spending money on the things you want. Keep in mind, you can adjust the percentages to suit your needs accordingly e.g. 70-20-10 or 60-20-20.

What are the practical tips to live below your means?

Living below your means doesn’t mean you have to stop spending money on things you enjoy. It means knowing how to make good financial decisions.

Here are three practical tips to help you achieve financial success.

Use cash

Suppose you struggle to resist using credit to pay for things. Using cash instead is a great way to stop living beyond your means. It may not be the easiest way to pay for things, but it will stop you from spending money you don’t have.

Regularly monitor your progress

Sometimes, it can take time to change bad financial habits, and that’s okay. The important thing is that you’re making progress toward your goals and that you stick to them. Regularly checking how far you’ve come is a great way to stay motivated and on track.

Work on your self-discipline

The key to successfully living below your means is to avoid temptation and instead focus on your self-discipline. It might be difficult, but we promise it will be worth it! In two years, you’ll be so glad you said no to all those clothes you didn’t need.

What are the advantages of living below your means?

When you live below your means, or at least live within your means, you stop living paycheck to paycheck. This means that your financial health improves greatly.

Here are five reasons to stop living within your means and start living below it instead.

Become debt-free sooner

Spending less money in certain areas allows you to allocate more earnings to pay off debt. The more you pay off, the less interest you will pay, reducing your overall debt. Being debt free may even enable you to retire earlier!

Improve your credit score

The less debt you have, the better your credit score because it lowers your credit utilization rate. A healthy credit score can allow you to save money in the long term as it gives you access to better car insurance rates and lower-interest mortgage deals.

Fewer money worries

When you know you have spare money in financial emergencies, you stop having sleepless nights worrying about how you will pay for things. This is a great position to be in and one that many people strive for!

Build savings faster

Living below your means can give you the financial flexibility to save more money, allowing you to reach your savings goals and build up your retirement nest faster. Once you’ve smashed your current target, it’s time to start planning another one!

Financial confidence

To live within or below your means, you must understand your finances. Budgeting is the best way to do this. Once you know where your money is going, you will find it easier to make smart financial decisions.

You can live below your means!

With the right money mindset, budgeting methods, and financial planning, you can quickly begin to live within your means. You can even make it fun by participating in a money savings challenge and maybe get a friend to join you to help each other stay accountable.

Start living below your means and see that bank account start growing faster than you think!

The post How To Start Living Below Your Means appeared first on Clever Girl Finance.

Sometimes, making a certain amount of money per hour can be deceiving. After all, taxes and expenses can eat into your income before you even have a chance to make a budget! So if you’ve wondered, “$15 an hour is how much a year?”, we’ve got the answer. Plus, find out how to make the most of your income!

In recent years, there’s been a lot of talk about making $15 the federal minimum hourly wage.

However, some proponents of the elevated minimum wage say it still wouldn’t be enough to give Americans a sufficient living wage.

Many people today already live on this kind of pay. But what is it like to live on this type of income?

Here’s a look at how much $15 an hour will give you and how to stretch those dollars.

$15 an hour is how much a year?

When you hear or read about an hourly wage, it can sometimes be difficult to imagine what that pay would look like as a yearly salary. So let’s calculate how much you would earn per year if you make $15 an hour.

First, let’s assume you work full-time, which is 40 hours per week. That translates to about 2,080 working hours per year. To calculate your yearly salary, then, we can use this equation:

15 (dollars) X 2,080 (working hours) = $31,200

So, if you work full-time for $15 an hour, then your yearly salary would be $31,200.

Bear in mind that this assumes you work a full 40 hours 52 weeks of the year. If you take any holiday or sick time and are not paid for those days, then your actual yearly salary would be slightly less than $31,200.

What does a $15 an hour paycheck look like?

Still, even after calculating the yearly salary of $15 an hour, it can be hard to understand what $31,200 means for your day-to-day life. After all, you’re likely not getting paid $31,200 in one lump sum!

Instead, most people get a paycheck every week or every two weeks. From there, it can be helpful to organize your income with a monthly budget, or you can budget by paycheck.

Here’s what you can expect from your monthly, biweekly, weekly, or daily paycheck:

Calculating $15 an hour per year after tax

Of course, when you work for $15 an hour and make a $31,200 salary, you (unfortunately) don’t necessarily get to keep all that money.

It’s important to remember that there is a difference between pre-tax income and after-tax income. This is a crucial component in answering the question: $15 an hour is how much a year?

Federal income tax

In 2024, if you make $31,200 per year, you fall into the second-lowest income tax bracket, as explained by Bankrate. This means you are responsible for paying:

• $10% of your taxable income from $0 to $11,600
• 12% of your taxable income from $11,601 to $47,150

In other words, if you make $31,200 per year, then you will have to pay:

• $1,160 (which is 10% of $11,600)
• PLUS $2,351 (which is 12% of $19,599 (Remember: $31,200 — $11,601 = $19,599))

Added up, this means you are responsible for paying $3,511 in federal income tax. (This is based on a single-filer tax bracket.)

After accounting for federal income tax, your $15 an hour income comes down to approximately:

• Yearly: $27,677
• Monthly: $2,306
• Biweekly: $1,153
• Weekly: $532
• Daily: $106

State income tax

But that’s just federal income tax. Don’t forget about state income tax!

Depending on where you live, though, you may not have to pay state income tax. CNBC lists the nine states without income tax:

• Alaska
• Florida
• New Hampshire
• Nevada
• South Dakota
• Tennessee
• Texas
• Washington
• Wyoming

If you live anywhere else in the country, however, you’ll be on the hook for paying state income taxes. You can get help figuring out the income tax rate in your state at TaxFoundation.org.

Use a calculator to figure out your income at $15 an hour

Understandably, it can get pretty confusing trying to figure out how much this income is per year, monthly, and weekly. Plus, when you factor in determining federal and state income tax rates … It becomes a lot of math!

If you’d rather not do all the calculations by hand, you can use an income calculator to help you crunch the numbers:

• A salary calculator helps you determine your yearly salary based on your monthly wage and days worked
• A take-home pay calculator helps you determine your “real pay” after taking out taxes

Expert tip: You can stretch your income by investing!

Unfortunately, many people falsely believe that they already need to be rich to start investing. But in reality, you can invest smart with as little as $10 a month, and then work your way up from there.

To get started, it’s best to keep things simple. For example, for an uncomplicated way to begin investing, consider the 3 fund portfolio. See more tips on how to invest with little money.

6 Tips to stretch your income

Realistically, no matter how you look at it, earning this income alone is not going to make you rich. That said, you can still work with what you have to stretch your $15 an hour income and get the most out of every penny.

Here are a few tips to stretch your income:

1. Create a budget

First, you can optimize your $31,200 yearly salary by breaking it down month by month. Creating a budget for the month will allow you to allocate your income to separate spending categories. This way, you can make sure you don’t overspend on frivolities and really maximize every dollar.

You can try creating a budget calendar or making a budget by paycheck to get started.

2. Move somewhere with lower rent

Of course, this is quite a drastic option. But depending on your family situation and whether or not you have a remote job, moving to a state with no income tax can definitely help you keep more money in your pocket.

Alternatively, you can stay in the same state where you’re currently living but move to a home with lower rent. Finally, you can also move in with a roommate to cut down on your share of the monthly rent by doing a rent split.

3. Cut unnecessary expenses

It’s not always fun, but cutting out those nice-to-haves from your life (at least most of them) is sometimes necessary when you’re trying to stretch a dollar. Start by checking your monthly expenses list to see if you can cut back on anything.

But it doesn’t have to be as painful as you think! For example, here are some easy ways to reduce unnecessary expenses:

• Unsubscribe from subscriptions you don’t use
• Limit yourself to eating out once a week at the most
• Paint your nails at home instead of going to a salon
• Go to the library to rent books or e-books instead of buying them new
• Use public transportation or a bicycle instead of calling ride-share services

4. Live below your means

No matter how much money you make, it’s always a good financial practice to live below your means. But what does that mean, exactly?

Living below your means is about spending less money than you bring in. Then, you can put aside that extra money in a high-yield savings account or investments.

Above all, it means you do not go into debt to buy things you can’t afford. You might try living a more minimalist lifestyle for the time being.

5. Spend wisely at the grocery store

To stretch your income, it’s a good idea to eat at home as much as possible. Beyond simply avoiding take-out and restaurants, you can further learn how to reduce your food spending by being thrifty at the grocery store, like buying in bulk or meal-prepping.

Grocery shopping on a budget can save you tons of money each month, it just takes some planning and time.

6. Avoid impulse purchases

Unfortunately, even when you create a monthly budget, it isn’t always easy to stick to it. One of the hardest financial bad habits to overcome is giving in to impulse spending.

You can get help avoiding impulse purchases by getting an accountability partner to help keep you in check when you’re about to hit ADD TO CART.

Additionally, you can start money journaling, where you write down every single thing you spend. This can help you hold yourself accountable so you don’t conveniently “forget” about those impulse purchases you made last week.

A monthly budget for a $15 an hour income

Again, creating a monthly budget is an important practice for everyone—no matter what your income is. But if you’ve answered the question of $15 an hour is how much a year and you’re trying to stretch your income, then designing a monthly budget can really help you stay organized and financially responsible throughout the month.

Here’s an example of a monthly budget for a $15 an hour income:

Monthly after-tax income: about $2,300

• Savings: $350
• Rent: $800
• Utilities: $100
• Transportation: $300
• Groceries: $300
• Fun: $150
• Other Expenses: $300 (This could be debt payments, savings for a specific goal, medical bills, insurance, etc.)

Note that we put savings right at the top! Even if you only save 10% of your income per month, paying yourself first is a great financial habit to pick up.

Also, remember that everyone’s budget will look a little different. You may even decide that a biweekly budget makes more sense for you.

Take a look at the best budget templates and tools to learn how to create the right monthly budget for you.

Ways to make more money to supplement earning $15 an hour

In addition to discovering ways to reduce your spending, you can also stretch your money by looking at how to increase your income.

And you don’t necessarily have to take on another high-commitment job! Here are a few ways to increase your income:

1. Sell unneeded items online

You can make a surprising amount of money by just cleaning out your house! Take a look around and consider what you no longer use.

For example, this could be old electronics, clothes, books, etc. After you find the best items to resell, sell them online via eBay, Poshmark, or other online resellers. You can also host a yard sale if you’d prefer to sell in person.

Above all, be careful that you do not start buying items you don’t need hoping you will sell them later.

2. Ask for a raise

Sometimes, it really can be that simple. While it can definitely feel daunting to ask your boss for a raise, the worst they can really do is say no.

To increase your chances of a positive response, it pays to be prepared. (No pun intended.) Find more tips on how to ask for a raise.

3. Consider a side hustle

The best thing about starting a side hustle is it gives you a way to increase your income without having to commit to another job.

Instead, a side hustle is a way for you to pick up extra work when you decide, so you can put more money in your pocket.

For example, some popular side hustles include:

• Babysitting
• Dog walking and/or pet-sitting
• Driving for Uber or other ride-share or delivery companies
• Starting a blog
• Tutoring
• Teaching English online

If none of these seem like a fit for you, don’t worry. There are a lot of other side hustle ideas you can start in your free time.

How much is $15 an hour for 40 hours?

$15 an hour for 40 hours is $600 before tax.

Most full-time jobs require you to work 40 hours a week, excluding any needed overtime. But if your weekly paycheck is deposited automatically into your account and you’re not regularly checking your bank statements (Psst—start now!), then you may not know the exact number you’re bringing in every week.

Here’s a quick calculation to determine how much you’ll make if you work 40 hours for $15 an hour: 15 (dollars) X 40 (working hours) = 600.

Is $15 an hour good pay?

Determining whether $15 an hour is good pay depends a lot on your living situation. If you’re single, you don’t have any debt, and you live in an affordable town, then it is not bad pay.

If, however, you live in a city with a high cost of living, you are responsible for dependents, and/or you have debt stress, then $15 an hour will put you on a very tight budget.

How much is $15 an hour for 40 hours a week annually?

$15 an hour for 40 hours a week annually will earn you $31,200 before tax.

Maybe you know the exact amount of your weekly paycheck by heart—after all, it feels good to cash that baby after a long week of work! But it’s also important to keep an eye on the big picture:

How much do all those weekly paychecks add up to after a year?

Here’s a quick calculation to determine your annual income if you work 40 hours a week at $15 an hour: 15 (dollars) X 40 (working hours) X 52 (weeks) = 31,200.

$15 an hour is how much per week?

Here’s a quick calculation to determine your weekly paycheck if you make $15 an hour: 15 (dollars) X 40 (working hours) = $600.

As you organize your monthly budget, it’s important to break up that monthly income into smaller installments: biweekly, weekly, and daily. Particularly, knowing how much you earn each week can help you best allocate weekly money for groceries, at home date night ideas, etc.

How much is $15 an hour 40 hours a week biweekly?

If you work 40 hours a week for $15 an hour, you will make $1,200 biweekly, before tax.

This is accurate because if you work 40 hours a week and earn $15 an hour, you will make $600 per week before tax.

Many employers will issue paychecks biweekly (i.e., once every other week) instead of weekly. Sometimes, this makes calculating your regular income a little more complicated.

Here’s a quick calculation to determine your biweekly pay: 15 (dollars) X 40 (working hours) X 2 (number of weeks) = $1,200.

Articles related to $15 an hour is how much a year

If you liked learning more about how much your income is worth per year, read these articles next!

• $60,000 A Year Is How Much An Hour?
• 50K A Year Is How Much An Hour?
• $45,000 Is How Much A Year?
• How Much Is A 40K Salary Hourly, Bi-Weekly, And Monthly?
• 31 Ways How To Make Money Without A Job
• How To Get Money Fast: 18 Ideas Outside Of Your 9-5!

Make your $15 an hour paycheck work for your lifestyle!

Now that you know the answer to $15 an hour is how much a year, if you’re feeling stuck living with this salary, then know that there are a lot of ways you can stretch your income.

First, if you set and stick to a budget, then it will be easier to manage your expenses throughout the month. Then, you can find ways how to increase your income, such as starting a side hustle.

Learn how to create a successful side hustle so you can make more money in The Side Hustle Guide by Clever Girl Finance Founder Bola Sokunbi. And remember, being wise with your money and investing can set you up for a great future!

The post $15 An Hour Is How Much A Year? Stretching Your Pay! appeared first on Clever Girl Finance.

Spending money never gets old, does it? While it’s easy to spend more cash than you mean to, it’s equally difficult to learn how to stop spending money. But it gets easier when you know the benefits of spending less and have a game plan for the future!

Each year, more and more Americans find themselves in debt. In 2022, the average consumer had $5,910 in credit card debt, according to Experian.

Meanwhile, as shopping sites such as Amazon continue to dominate, the opportunities to spend have gotten increasingly attractive, even as we wonder how to stop spending money.

If you open your browser, you’re met with many ads offering products that fit your unique set of interests. You may find yourself caving in month after month and buying things you don’t need.

And now, you’re ready to stop the shopping binge days and start saving. Below, we’ll discuss some key tips on how to stop spending money you don’t have.

Why do people over spend?

Overspending is quite common, and there are many reasons this can happen.

A lack of planning or failing to budget is one of the big budget challenges. Even with the best intentions, creating and sticking to a budget is not always easy, so people may spend more than they intended simply by not planning or forgetting about their budget.

There is also the tendency to buy things on impulse.

For example, if you forget to grocery shop or plan meals in advance, you may end up impulsively buying takeout. Or perhaps you see a new handbag or scarf that you didn’t plan to buy, but you decide to spend the money anyway.

There are many more reasons, but these are some of the things that may cause people to spend more than they plan to.

How to stop spending money: 5 Key focus areas

When it comes to over spending and ways to stop spending money, focusing on these five areas can make all the difference. They are:

1. Eating out and uneaten food
2. Clothing and accessories
3. Expensive coffee
4. Unnecessary things
5. Credit cards

Let’s get into each of these money spending problems in more detail below. We will also discuss the specific actions you can take to learn how to stop spending so much money in these areas and how to avoid big overspending mistakes.

1. Take control of your food costs: Eating out/uneaten groceries

It’s been a long week, and the last thing you want to do is stand in front of the stove and cook. So what do you do? Punch in an online order, throw your feet up on the couch, and turn on your favorite Netflix show.

While this sounds like an amazing evening, it could set you down a slippery slope into a life of little to no savings. On average, an American household spends $3,008 eating out each year, according to CNBC. Those $20-$40 meals add up really quickly, don’t they?

Or here’s another scenario. You happen to be walking past your local grocery store and suddenly remember that your food supplies are running low. As you walk down the aisles, you make educated guesses on what ingredients you’re missing because your memory is still sharp, right?

Wrong. When you get home, you realize you still have eggs, there’s the fruit you had forgotten about, and bread tucked away in a corner. Yet, you bought all these things again.

Now you have duplicates, and you know some of them are going to go to waste.

Under these circumstances, what can you do to stop spending so much on food? How can you balance your hectic schedule with a need to eat food quickly, conveniently, and affordably?

Make a shopping list

If you don’t have a list, stay away from the supermarket. A list guarantees that you stick only to what you need, eliminating any guesswork in the process.

Grocery shopping on a budget is way easier when you plan what you need to buy in advance.

Learn to say “no” when you need to

If you’re in the red every month but still find yourself going out to eat when you can’t afford to, you need to reevaluate your spending habits. Realize that you’re not saying no to friendships, you’re learning how to say no to a lifestyle that derails your budget.

Have quick and simple go-to recipes for days when you just don’t have time

It happens. Life gets busy. And the temptation is to simply order food online and call it a day.

The wiser thing to do is to store your own set of go-to recipes that are really quick and easy for nights when you just don’t have time. Pinterest has a ton of great quick and easy-to-make meal plans. Many of them come with grocery shopping lists too!

Or try out an eating clean on a budget meal plan.

2. Stop spending money on clothes you don’t wear

Have you ever had those days where you looked so good that you were oozing with confidence and getting many compliments about your outfit?

If you think about it, a lot of the time, it’s not because you were wearing something new. Rather, it’s because you looked good in what you were wearing. The color made your skin glow, or the fit was perfect on you.

New clothes don’t always give us the satisfaction we crave.

In fact, they can sometimes go unworn in our wardrobes because we realize that what seemed like a perfect idea through the fancy fitting room light was not so exciting once we got home. So we just forget about them while they gather dust in the closet.

There’s got to be a better way. Here’s how:

Create a capsule wardrobe

This consists of a limited number of quality staple items you can mix and match throughout the year. You can learn how to build a capsule wardrobe and also have great style.

Take good care of your clothing

Taking care of the clothes you already have helps to avoid the need to constantly replace them. This, in turn, means less spending.

Remember that wearing clean and well-laundered clothes goes a lot further as one of the confidence building exercises than spending money on new items.

Learn to use accessories to revamp an old outfit

An outfit is more than a piece of clothing. Rather, it is a comprehensive look that consists of hair, shoes, and accessories. An old look can look completely new with any items switched around.

3. How to stop spending money on expensive coffee

We get it. Drinking coffee is like breathing air for some people. It can truly make or break your day.

Most Americans spend an average amount of $1,097 on coffee each year, claims Zippia. But you can save money and still reap the benefits of caffeine.

If you’re an avid coffee drinker, you have a lot of options to help you keep the costs down and learn how to stop over spending. For instance:

• Brew your coffee at home, as you can easily save $20+ a week doing so.
• Test alternatives such as a good tea which often contains good doses of antioxidants and minerals
• Use cutting down on coffee as an excuse to ramp up on drinking water or other healthy alternatives such as coconut water.

4. Stop spending money on unnecessary things you don’t need

Shopping has never been easier. At the click of a button, you can have exactly what you want at lightning speed. Thanks, Amazon.

As exciting as that is, it can also be counterproductive if you fall prey to shiny object syndrome. You might be wondering what that is.

Simply put, you’re a victim of shiny object syndrome if you’re easily swayed into buying items at the moment. You’re driven more by your wants vs. your needs, and you make purchase decisions very quickly. You may even find that you have a shopping addiction.

To put a stop to this, you can deploy a few tactics:

Stick to cash

Using cash automatically prevents you from buying unplanned items online. It also restricts spending in-store, forcing you to stick to cash.

It’s also a good idea to determine, “How much cash should I have on hand?” so you’ll always be prepared for anything.

Track your expenses

Much of the time, when we are completely unaware of how much we’re spending, we are more likely to assume that there’s plenty more where that came from. Meanwhile, our bank accounts will be telling us another story.

It’s important to keep track of your expenses, maybe by writing them down or looking at your bank account often.

Spend 5 minutes a day checking your bank balance

Related to the above, if you’re unaware of your bank balance, you will overestimate what you have available in your account.

So you should spend a few minutes each day checking your bank account, as well as any credit cards or savings accounts. Then you’ll be reminded of purchases you made and bills that are paid or not paid.

Know what triggers your spending

Are you spending more when you’re with friends? Wondering how to stop online shopping? Walking through shopping malls?

One key to curbing unnecessary spending is to know yourself and be in tune with when you spend more. 

Also, understand what items you tend to overspend on, be it luxury clothing, entertainment, or impulse buying.

Give yourself a few days to think

Sometimes, time to really think through whether an item you’re thinking of purchasing is worth it can help you gain clarity on whether to spend money on that item or not. Taking a couple of days to decide if you truly need to buy something can help you cut down on impulsive purchases.

Prioritize needs vs wants

Knowing the difference between a want and a need and deciding how to prioritize is a skill that you can learn over time.

A need is something you have to have to survive. It includes mortgage and rent payments, food, clothing, phone and internet access, insurance, etc.

A want is anything that you don’t need.

For example, gym memberships, traveling, fresh flowers for the house, a new car, these are things that you may want, but you don’t need to live your life.

Once you define needs vs wants, and you determine that needs are much more important, you can prioritize the things you want so you can decide what to buy and what not to.

5. Stop spending money on your credit card

Credit cards can easily get you on the fast track into debt. If you struggle to exercise discipline with them, it may be best to completely stop using them. Credit card debt can limit families from investing and building wealth for their futures.

If you’re currently dependent on your credit card to help you with expenses, you need to have an honest self-evaluation. Determine if you’re depending on your credit card because you’re trying to build your credit score, you’re unable to keep up with your bills, you’re looking to build rewards from using the card, or any other reason.

If it’s causing you to sink further and further into debt, it’s time to take action. Here’s how:

Learn how to budget

While the thought of budgeting may make you want to run for the hills, this discipline could be the difference between retiring and working forever.

Better budgeting helps you fully know and understand where you’re earning and spending and helps you plan how to save.

There are many types of budgets to choose from, including the 80/20 budget and the 50-30-20 rule.

Ditch the cards and carry cash

It never fails. Carrying cash is by far the simplest solution to ridding yourself of credit card debt. When you stop carrying them around with you everywhere, it becomes less convenient for you to splurge on that unplanned item.

Alternatively, you can use a digital envelope system if you don’t want to carry cash but want to keep track of your spending.

Cut up your credit cards

If you’re truly struggling to stop using the cards or you have a shopping addiction fueled by credit cards, you may need to take more intense action, which would be putting them through the shredder. 

A spending freeze on credit will be worth your while. Cutting up your credit cards can help you to stop spending on credit because it will be so inconvenient.

Expert tip: Focus on improving your habits

Overall, learning to spend less and be mindful of your money is a habit. So make it easier for yourself to create this new habit by carrying cash, checking your bank account, etc.

If you will take the time to build new money ideas and patterns into your life, you will see improvement with your spending. Even if you don’t see progress for a while, don’t give up, and you will learn to control your money!

5 Tips to help you be mindful with spending money

The most important thing with spending is to be aware of how much you’re spending and what you tend to spend money on. Here are some ideas to help:

Step 1: Know your why

When you start off with financial goal setting—for instance, to learn how to stop over spending—you need to have a reason you want to change.

In other words, you need to have a WHY. Having this reason in place is one of the things that will keep you motivated to achieve your financial goals (in addition to working on your self-discipline and building new habits).

Your why could be your children, buying a house, or moving to a different city. Whatever that thing is that you dream of or want to look back and be proud of.

Take photos of it, save it on your phone, and set calendar reminders—basically, you want to make sure your WHY is always in focus in your everyday life.

Step 2: Identify your triggers

The next step if you’re wondering how to stop over spending is to determine what causes you to overspend.

Do you find you are spending more when you hang around certain people? Is it when you see what people post on Instagram? Or when you drive by the mall?

Once you figure out what your spending triggers are, then it’s time to address them. It could mean spending less time with the people that you find yourself spending the most money around. Or maybe unfollow people on Instagram, or take a different route so you don’t have to drive by the mall all the time.

Identifying and addressing your triggers, especially in the early stages of working on your spending habits, will help you stay on track.

Step 3: Learn how to budget and go on a cash or debit card diet

Having a budget is how you track your income and expenses. Once you are able to track your income and expenses, then you’ll know how much you have left over to spend/save. A good idea is to track your current spending for 30 days to see exactly where your money is going and determine what you need to cut out.

Once you are able to track your expenses for 30 days, you will very likely find areas of unnecessary spending. Eating out, daily coffees, shopping, unused gym memberships, and subscriptions are things you can cut back on, which will help with cutting the budget.

You may find that a lot of your spending is unavoidable, and you cannot cut it out right away. Things like being tied into a lease and having to pay rent or being in the middle of a remodeling project at your home that’s costly to terminate.

If you’re in this situation, then consider how to increase your income. Find a better-paying job, a part-time job, or even start a side hustle to bring more money in.

Next, consider ditching your credit cards. Go on a cash/debit card diet where you designate a fixed amount of money that you can spend every week or month. When it runs out, you are done spending until the next month.

Step 4: Automate your bills

The final piece of the puzzle involves automating bills and learning how to automate your finances. Automation saves you quite a bit of mental work at the end of each month. It simplifies the decisions you need to make around your finances, and it ensures that you do not suffer from any decision fatigue that will leave your finances in shambles.

Automation can be done across your bills, investments, debt payments, and other recurring expenses.

Once you have direct deposit set up with your employer, you can focus on setting up automatic bill payments.

Since you likely have multiple expenses, you will want to sync up the bill payment dates so that they align with your direct deposit. You can do this by calling each of your billing companies and asking them to reset the billing cycle to match your paydays.

Step 5: Create goals

A big part of budgeting and knowing what you want to use your money for involves creating goals. Without goals, overspending is easy because you won’t have planned something more worthwhile to spend your money on.

So decide on a couple of important things that you want to spend your income on. You may choose as a goal an emergency fund, a vacation, debt payoff, or retirement savings.

It’s up to you, but the best goals to have will allow you to make much more progress than just paying your bills and then not knowing where the rest of your money went.

I’ve learned how to stop spending money, now what?

Now that you’ve mastered how to manage your spending, you can shift gears into thinking about what to do with the balance of your funds. Thankfully, you have quite a few options that will set you up for a stable and happy retirement. You can either:

Save more money

Saving money is all about habits. Once you manage to curb negative spending habits, you can focus on building healthy savings habits, such as saving money in a jar or starting a rainy day fund.

According to Bankrate, less than half of American adults have enough saved to pay for 3 months’ worth of expenses if needed. Saving money will help you build that cushion in emergency funds to meet any unexpected costs.

Pay off debt

Paying off debt, whether consumer or education loans, should always be a top priority, as the consequences for not doing so on time can have broader implications for your finances.

One effective way to tackle your debt, if you have multiple sources of it, is to use the debt snowball worksheet, a method that prioritizes paying off your smallest debts first to help you achieve quick wins and eliminate the overwhelm of paying down large debt.

Invest

Once you’ve tackled your debt, you can then focus on how to start investing and creating a strong investment strategy. You’ll want to ensure you have a retirement account set up where you are regularly making contributions.

If your employer offers a match, make sure you are signed up for that. With any investment strategy, it is important to invest for the long term in order to maximize your returns and to ignore any short-term volatile movement in the stock markets.

Personal development

In today’s economy, it has never been more important to remain up to speed on self improvement ideas and make a plan for personal development.

Technology is rapidly changing, and the skills you had five years ago might not be as relevant as they were back then. Investing in your own periodic self-development will go a long way in keeping your skills fresh for today’s job market.

How can I reduce my mindless spending?

Reducing mindless spending is a matter of being intentional with your budget and fully considering a purchase before buying it.

For instance, if you want to buy a new pair of shoes, a book, or a new phone, consider a couple of things. Is it a necessary purchase, is it within your price range, etc.?

By being more intentional and taking time to think, you can get rid of mindless spending.

How do I stop spending money for 30 days?

If you feel that your spending is out of control, you can stop spending money for 30 days by doing a no spend challenge.

Determine to buy only what is necessary (essential bills only) and then save the rest of your money for one month.

There are plenty of ways to do a no spend challenge, so find a method that works for you.

Why can’t I stop spending money?

You may not be able to stop spending money if over spending has become something you do all the time. But a habit of spending money can be broken, just like any other money habits.

You can try a no spend challenge, get an accountability partner, or focus on budgeting to help you spend less money. The most important thing is to be aware of this struggle and take positive steps to improve your habits.

How do I stop spending money when bored?

Spending money when bored may be a common problem, but there are plenty of low-spend or no spend activities you can do instead.

Try making a list of free activities that you can do when you’re bored. When you’re tempted to spend out of boredom, look to the list! It might include things like:

• Go on a walk with a friend or a pet
• Check out free museum days or look for free festivals in your town or city
• Watch a movie
• Exercise
• Spend time with a family member or close friend
• Learn about a new subject by reading articles or checking out books from the library
• Read our post about what to do at night when bored

Articles related to how to stop spending money

If you liked learning about not spending money, read these posts next!

• 5 Tips To Stop Paying Credit Card Debt And Stop Worrying About It!
• 8 Tips For A Successful No Spend Month
• How To Stop Eating Out So Much! 7 Tips
• How To Be Better With Money: 10 Key Tips

Start working on how to stop spending money randomly!

Curbing your over spending could truly be the start of a different financial future for you and your family.

While it may seem daunting, you need to remember that spending money boils down to habits you build into your day, and you can start challenging yourself to make different choices.

If you can truly isolate some patterns that may be holding you back financially, you’ll be well on your way to not only reducing your spending but also learning to follow your dreams for a secure financial future.

The post How To Stop Spending Money: Curb Your Over Spending appeared first on Clever Girl Finance.

Are you expecting a baby soon? If so, congratulations! Searching for jobs for pregnant women may be on your ever-expanding to-do list, and it helps to know where to start.

Pregnancy can be an exciting time! But it’s also overwhelming. Looking after yourself and your baby should be your top priority. 

But pregnant women still need to earn money. They can also work (as long as there are no complications during pregnancy).

Not all jobs are suitable when you are with child, though. That said, we are sharing the 20 best jobs for pregnant women.

So, put your feet up, grab a snack, and find out what your options are when preparing for a baby.

Elements of great jobs for pregnant women

When you’re pregnant, there are certain things that you should and shouldn’t be doing to protect yourself and your baby from complications or pregnancy-related health issues. 

Keep the following characteristics in mind when job hunting:

Low stress

High stress levels during pregnancy have been known to cause complications, and chronic stress can lead to potential preterm labor and other problems, so it’s essential to keep stress away as much as possible. Choose a job that won’t lead to excessive workloads or worry. 

Minimal standing

Pregnancy can be tough on all body parts, especially your feet, during the last two trimesters. Trust us; you won’t want a job where you’re standing all day! 

Feeling faint is also a common symptom of pregnancy due to hormone changes, so it’s important to be able to sit if you need to. 

Flexible hours

You’ll need to attend several health appointments during your pregnancy, so having a job where you can work flexible hours is extremely helpful. If you suffer from morning sickness, you may also appreciate not having to start work first thing in the morning if you don’t have to. 

Work from home opportunities

In my opinion, working from home can make it easier and less stressful to prepare for welcoming a child. The time you save on commuting can be spent decorating the nursery or packing your hospital bag.

The comfort of your home is also a more relaxing environment, which may boost your mood and total wellbeing. 

A hygienic, toxic-free environment 

It’s possible that being around chemicals (particularly household chemicals) may cause complications in your pregnancy (but there are only possible links to this, nothing confirmed for certain), including low birth weight, preterm birth, and even pregnancy loss.

Work in an environment that is safe, clean, and hygienic, and see this list of substances to avoid when pregnant.

Short commute

Long commutes are not ideal during pregnancy because it can be stressful when you’re stuck on a busy subway or sitting in your car during heavy traffic. You may also be feeling tired, nauseous, or needing a bathroom!

So short commutes are much more pregnancy-friendly. 

Zero-low physical requirements

A career that requires heavy lifting or a lot of standing can lead to complications such as ligament pain, decreased blood flow, and even low birth weight or preterm labor. If you’re unsure whether to continue work that requires lifting or standing, speak to your healthcare advisor. 

20 best jobs for pregnant women

When you’re pregnant, you might need to find work quickly that doesn’t require extensive amounts of training. Even if you’re already employed, if your job isn’t suitable for your current situation, you may need to look for alternative employment. 

These 20 jobs are ideal for expectant moms because you won’t need extensive qualifications, and they are all low impact – both physically and mentally. Make an income with less stress than a traditional job!

1. Library worker

If you still want to work with other people and get out of the house during your pregnancy, becoming a library worker will allow you to earn money whilst working in a relaxing, calm, and comfortable environment.

Librarians typically have set hours and a good work-life balance, so you won’t have problems working around pregnancy-related appointments. 

Typical duties for library workers include:

• Ordering books
• Processing late return fees
• Assisting people with finding books
• Organizing book displays and shelves 
• Stock checks

Sound like your kind of job? Approach your local libraries and ask if they are taking on new staff.

If nothing is available, I recommend volunteering a few hours a week to show your skills and passion for working in a library. Volunteer work may turn into a paid position. Library assistants earn about $17 per hour. 

2. Review books

Getting paid to read may seem too good to be true, but plenty of genuine opportunities exist! What better way to spend your pregnancy than curling up on the sofa with a book?

Here are five sites to find book reviewing opportunities:

• Kirkus Media
• BookBrowse
• Booklist Publications

Pay will vary significantly depending on the publication you’re writing the review for. You can expect to receive anything from $10-$100 per review, not to mention the importance of reading books can’t be overstated.

3. Grocery shopper

Professional grocery shoppers visit stores to collect items for paying customers. The demand for grocery deliveries is expected to rise, making it one of the great money making skills for pregnant women wanting a slower-paced job.

You can also fulfill your orders at a time that suits you. So if you can’t sleep, visiting the grocery store when it’s quiet will allow you to catch up on rest later! 

Grocery shoppers will:

• Find out what the client needs 
• Go to a store
• Buy the items
• Pack and deliver them to the paying customer

Lots of people use this service, from the elderly to busy parents and professionals who don’t have time to shop. 

So, how do you become one? You can advertise your services on a flyer and give them out in your area or sign up with a site like Instacart. 

Shopper salaries range between $12-$23 per hour. 

4. Social media manager

Social media is an integral part of all business marketing strategies. Companies don’t always have the time or resources to do this, so they hire people to manage their social media platforms. 

It’s an excellent gig for pregnant women because you can work during hours that suit you and anywhere with an internet connection. As long as you are organized, it’s also low-stress work.

The day-to-day job of a social media manager will look like this:

• Creating, implementing, and monitoring a social media strategy
• Producing and scheduling regular content via a content calendar
• Engaging with followers across all platforms
• Creating advertising campaigns
• Ensure brand consistency by working with internal teams 

You don’t need any experience to get started, but knowledge of social media trends is necessary.

The most efficient way to get work in this field is by using your existing business relationships. What business owners do you know? Contact them and see if you can help with their social media management.

The hourly rate for social media managers is $33.79. 

5. Retail assistant

Working in retail is a desirable choice for pregnant women. It offers flexible hours and good rates of pay.

You won’t have to worry about bringing work stress home when you work in retail either because as soon as the shop is shut, you’re done for the day!

A typical day as a retail assistant will look like this:

• Welcoming customers
• Answering product questions and offering advice
• Dealing with transactions
• Setting up and tidying product displays 
• Administrative tasks 

Retail work is readily available, especially during peak seasons such as Christmas. Keep an eye out for online adverts and vacancies listed in shops.

You’ll earn an average of $16.11 an hour as a retail assistant. 

6. Caregiver

Caregiving is a rewarding and lucrative way to make money if you enjoy looking after others. You can also decide on your working hours, which is ideal when you’re pregnant. 

As a caregiver, you will need to:

• Assist with bathing and dressing
• Prepare food, drink, and medication
• Run errands
• Keep living areas clean and tidy
• Encourage physical and mental wellbeing

A great way to find work as a caregiver is through websites such as Visiting Angels.

Your earnings will vary, but the average caregiver earns $14 per hour. 

7. Virtual assistant

If you enjoy organizing other people’s lives, this is a great job choice for you during your pregnancy and beyond if you are looking for jobs for stay at home moms. It’s flexible, enjoyable, and you can do it in your PJs from home! 

As a Virtual Assistant (VA), you will:

• Organize client’s email inboxes, calendars, and travel 
• Create social media posts 
• Write blogs/newsletters
• Do some market research 
• Update a website 
• Create invoices 

How much you earn will depend on the number of clients you take on. On average, VAs earn $18.75 an hour.

You could start with one or two clients and also take on more if your pregnancy is going well and you have the energy to do more work. The great thing about this job is that when you’re approaching your due date, you can also reduce your number of clients until you’re happy with the workload. 

Using search engines is also an excellent way to find work as a VA. You can also contact local companies in your area to make them aware of your services. You never know who might need your help! 

8. Online bookkeeping

All businesses need someone good with numbers to do their books. Is this you? The great thing about this job is that it can be done virtually, meaning no commuting, and you can also decide what hours you work.

When you’re pregnant you will appreciate being able to rest when you need it instead of working through it. 

As a bookkeeper, you will:

• Ensure bank statements are accurate
• Categorize transactions
• Prepare financial statements 

The best way to get started in this field is to create an appealing website that clearly describes your services. Use social media to get your name out there too. Indeed is also an excellent place to find virtual bookkeeping jobs, so keep an eye on that.

You can make between $11-$25 per hour bookkeeping, but specializing in an area such as bookkeeping for legal professionals could earn you more money. 

9. Voiceover artist

Fancy doing something a bit different to earn money during your pregnancy? A voiceover artist is a low-impact, low-stress job that is enjoyable too! 

Many industries need a professional’s voice, including television, film, video games, audiobooks, radio, and more. 

Voiceover artists will get paid to:

• Read scripts
• Follow prompts from writers and directors
• Interpret the mannerisms of different characters
• Verbally portray emotion
• Pitch your voice to different requirements

Voiceover artists earn an average of $37 per hour, which can be a lucrative career choice.

How do you become one? Follow production companies’ websites and social media platforms, where they often post job adverts. Using search engines will also let you know what work is available. 

10. Website designer

Working from home is a luxury you will appreciate when pregnant, especially during your second and third trimesters! If you’re creative and have good computer skills, this could be one of the jobs for pregnant women that really appeal to you.

If this is an area you want to get into, some websites, such as Webflow provide free web design courses.

Becoming a freelance website designer while pregnant is one of the best ways to make money in this field. Why? Because you can choose the projects you work on and set your work hours. 

Here are a few of the tasks that you’ll do:

• Incorporate brand guidelines 
• Create page layouts
• Choose appropriate visuals/videos
• Register domain names
• Carry out coding

Once you’ve mastered the basic skills, build up a portfolio of your work (you could offer your services to local businesses or charitable organizations for a reduced rate or free for practice), then get advertising for work. Upwork, or also Dribbble, and LinkedIn are great platforms to find web design work. 

Earnings will vary from $30-$80 per hour. 

11. Copywriter

Copywriting is a very pregnancy-friendly occupation! And if you already have good writing and typing skills, it makes perfect sense to utilize these when looking for work. 

In my experience as a writer, I manage my own workload to meet deadlines, so if I don’t feel like working one day, I don’t have to! Many women who start a career as a freelance writer during pregnancy often carry it on because it’s so flexible and can easily fit around nap times and school drop-offs! 

As a copywriter, you will conduct extensive research and work on a range of writing projects for clients, such as:

• Advertising copy 
• Blog writing 
• Social media posts 
• Articles 
• Website copy 

When starting out, use remote job boards such as Contena and also Problogger. Businesses will post job adverts that you can apply for. 

Freelance copywriters in the US earn approximately $35.89 per hour. 

12. Recruitment advisor

Do you have great interpersonal and communication skills? A recruitment advisor could be the perfect job for career success while you’re pregnant and longer.

You can choose whether to work for a recruitment company or start your own business freelancing for work.

Every day will be different, making the days and week go fast. Your due date will soon come around! It’s pretty fast-paced but not stressful as long as you remain calm and organized.

Recruitment advisors are responsible for the following:

• Look for new clients
• Research companies and the marketplace
• Build relationships
• Find job opportunities 
• Advertise jobs you need to find a candidate for
• Interview and put forward suitable people

To get started in this field, you need to demonstrate to companies that you are the right person to be trusted with their recruitment process. You can show your experience and skills and meet them in person. Making yourself active on social media is another excellent way to get your name out there.

Sound like the type of job for you? A typical hourly rate for a recruitment advisor is about $26 per hour.

13. Housesit

There are very few jobs for pregnant women that allow you to enjoy home comforts at someone else’s house – but this is one of them! It’s the perfect way to make money during your pregnancy while you can still spend time away from your home without doing anything stressful.

General responsibilities for house sitters include:

• General cleaning and tidying
• Looking after pets 
• Opening/organizing mail
• Watering plants
• Keeping the property secure

Find paid housesitting jobs on websites such as Trusted Housesitters. Once you’ve proven that you’re trustworthy after a few housesitting jobs, you may find that recommendations lead to more clients.

The amount you can charge for your time will depend on the tasks you’re expected to complete. A reasonable price is around $16 per hour for housesitting duties. 

14. Online moderator

Do your friends and family always rely on you to help deal with heated situations? If so, becoming an online moderator may be a great job choice for you during your pregnancy. The beauty of this job is that it’s done remotely, so you have no daily commute and traffic stress!

Online moderators oversee online communities, social media platforms, and blog posts to ensure everyone follows the rules.

Typical duties of an online moderator include:

• Checking reported content 
• Removing harmful or inappropriate comments
• Ensure guidelines and rules are being followed by users
• Blocking users 
• Maintain user engagement in groups

Online job sites, including Indeed and GlassDoor, regularly post content moderator jobs, so set up an alert to get your application in early. Earnings for content moderator jobs are around $18 per hour. 

15. Travel agent

You can be a travel agent that works in a store or a virtual one – the choice is yours! You don’t need specific experience to get started, but prior traveling knowledge will help. 

What makes this one of the best jobs for pregnant women is the low levels of stress and the ability to sell a service you are passionate about. 

Travel agents will typically:

• Listen to a client’s needs and budget
• Use your knowledge to suggest destinations, accommodations, and sightseeing tours
• Book flights or over transportation
• Make dinner arrangements 
• Provide information on visas, insurance, vaccinations, and customs requirements

Either set up your own business or work in a remote or office-based position for travel companies.

Your average earnings as a travel agent will be around $17.49 per hour. But if you specialize in an area of travel, such as honeymoons or luxury accommodation, you can earn more. 

16. Tutoring

Do you have an area of specialization or subject you know lots about? Teaching young people can be extremely satisfying, and you can do it sitting down! This is another flexible occupation that you can do in person or online.

You’ll be expected to have qualifications in your chosen subject, and background checks will be conducted before you start. 

Not sure what to teach? Here are some ideas:

• Core subjects such as English, math, and science
• Languages
• History
• Baking
• Instruments 

Set your own schedule, work around your appointments, and also enjoy your work! Earnings as a tutor can vary from $15 per hour to $100+ depending on your experience and chosen subject. 

If you teach remotely, look at job sites like VIPKID. If you’re tutoring in person, advertise your services locally and on social media to find work. 

17. Videographer

You don’t need a degree or formal qualifications to get work as a videographer, so it’s a great career choice if you decide to change jobs during your pregnancy. The work can be exciting, and you’ll meet many different people.

The main reason why it’s one of the ideal jobs for pregnant women is that you can choose the projects you work on. That means you don’t have to travel unnecessarily or work long days and hours if you don’t want to. 

Videographers tend to work on projects such as:

• Recording live events
• Documentaries
• Short films 
• Weddings
• Birthday parties 
• Sports events 
• Training videos

Networking is vital if you want to find regular work as a video maker. Ask everyone you know to spread the word!

Reach out to your local community and demonstrate how your skills can help them. LinkedIn is also a great place to look as businesses reach out to their network when they need assistance with a project. 

Videographers are paid an average of $34 per hour. 

18. Paralegal

Paralegals help solicitors, barristers, and other legal professionals carry out legal tasks. It’s an interesting, varied, and flexible career that’s one of the excellent jobs for pregnant women.

Why? Because if you work as a freelance paralegal, you can set your own schedule and rates.

As a paralegal, your typical duties will include:

• Preparing legal documents 
• Writing quotes for clients
• Interviewing witnesses and clients 
• Legal admin
• Researching laws and case studies

The NALA (which is the National Association of Legal Assistants) offers a Certified Paralegal Certification and the Advanced Certified Paralegal Program. These are things you can gain to help you find work, but they aren’t essential. Once you’ve started gaining experience in this industry, you’ll pick up more work.

The salary for paralegals is $28 per hour. 

19. Transcriptionist

One of the great jobs for pregnant women is transcription work. You can work at any time of the day or night, so it’s super flexible and can be done from the comfort of your own home without needing to travel or be on your feet all day. 

A transcriptionist will listen to audio and video recordings and transcribe them into text files. The work is interesting and varied. You could work on anything from business meeting notes to court hearing recordings.

Your responsibilities will include:

• Ensuring your transcribed text is accurate and free of spelling/grammar errors
• Formatting the text file in line with brand guidelines 
• Completing transcriptions quickly and efficiently
• Using the latest transcription software 
• Meeting client requirements 

TranscribeMe provides flexible transcription work for freelancers. You can also find transcription work on Flexjobs or also Rev.com. Hourly rates vary between $12 and $36 an hour.

20. Event planner

Who said finding jobs for pregnant women near me can’t be fun? You can be creative, have a good time, and work as much or as little as you want! You will need a mobile phone, laptop and a good internet connection. 

The types of events you could offer your clients are:

• Corporate (conferences and meetings)
• Celebrations (birthdays, baby showers, weddings, graduations, local fairs)
• Promotional (charity events, fundraisers, new product launches, book launches)

I’ve found that the best way to get work as an event planner is to research my local area to find out what events need organizing and offer to help. Start small until you build relationships with vendors and suppliers and prove your planning skills. 

Event planning can earn you a respectable $16.07 per hour or more! 

Expert tip: How to tell your employer you’re pregnant

Being pregnant is an exciting time, so make sure you share your special news in a positive way. When you decide it’s the right time to tell your employer you’re expecting a baby, write down a few notes to help you plan what you want to say.

You should include your due date and a rough idea of when you want to start maternity leave. Keep it simple, upbeat and to the point! 

You can tell your employer that you’re pregnant in person and follow it up in writing, but if you’re not comfortable with this you can just do it via an email/letter.

Tips to get hired when pregnant

You may feel nervous about your chances of getting a job during your pregnancy, but you don’t need to be! 

Everyone needs to plan when considering a job change. Here are some steps you can take to help you feel fully prepared for applying for jobs and the interview stage. You’ve got this!

Carefully consider what you want to do first 

This is probably the most critical step for pregnant women. Ask yourself what you want to do. Think about your skills and the type of work that you enjoy. 

Your mental wellness is essential, just as your physical health. It’s also a good idea to think about a career that you could potentially continue when your baby arrives. 

Be aware of your rights 

It’s important that you know exactly what you’re entitled to when you’re pregnant.

You’re protected against discrimination under the Pregnancy Discrimination Act. Read through the information so you are armed with the facts if you need to use them. 

Decide if you want to disclose your pregnancy 

You should never feel pressured to tell anyone you’re pregnant if you don’t want to. Take your time, and don’t rush the decision.

Some women like to tell people as soon as they get past 12 weeks, and others like to keep it a secret for much longer. Either way is absolutely fine!

Apply for flexible jobs

Flexibility is like gold dust for expectant mothers. You’ll appreciate being able to change your hours at short notice or work from home if you need to.

It will improve your overall productivity and make you want to return to work after your maternity leave, which also benefits employers. 

Research companies before the interview stage 

You need to ask yourself whether they are a company you want to work for that shares your personal core values. If you’re not aligned with your employer, it’s probably best to find another opportunity where you will be happy and comfortable working. 

Interviewing tips

Remember that you don’t have to declare your pregnancy during an interview; the choice is yours. If your bump is noticeable and you want to tell your potential employer, go ahead.

Be prepared to address any concerns they may have and discuss your plan for minimizing disruption while you’re off. 

If you’re at the early stages of your pregnancy, focus on answering the questions to the best of your ability and demonstrating what you could bring to the job. 

The best employers will see your potential and want to work with you regardless of whether you’re pregnant. 

Create a plan to complete work deliverables before your due date 

Showing your commitment and passion for a job is a great way to make you stand out amongst other candidates. Tell your employer what can be done before you go on maternity leave to reduce the impact of your absence.

This could include training team members, working remotely, or creating detailed handover notes and project plans. 

What kind of jobs can I work while pregnant?

There are so many kinds of jobs you can work while pregnant you’ll be spoilt for choice! 

Here’s a summary of the ideal jobs for pregnant women: 

• Home working: Freelance writer, virtual assistant, transcriptionist
• Office jobs: Recruitment advisor, library assistant, paralegal (can also be done remotely)
• Retail positions: Travel agent, customer service rep, event planner
• Flexible jobs: Online moderator, grocery shopper, tutor, or high paying remote jobs

And the ones to avoid:

• Hairstylist
• Nail technician 
• Car mechanic 
• Working in a factory with chemicals
• Security at a chemical plant 

Remember to listen to your body and start your maternity leave early if needed. And don’t worry – you can still find plenty of ways how to make money on maternity leave.

Will jobs hire you if you’re pregnant?

Yes, jobs will hire you if you’re pregnant! Recruiters cannot ask if you’re pregnant or refuse to interview you. 

The fact that you’re pregnant does not affect your ability to do a job unless it requires physical exertion. Employers are obligated to treat you exactly the same way as other potential employees. 

Lots of women get new employment while pregnant. Laws are made to protect you from discrimination. 

If you feel you have been discriminated against when applying for a job because you’re pregnant, you should seek legal advice immediately. 

Where is the best place to work pregnant?

Ultimately, the best place to work when you’re pregnant is somewhere where you’re comfortable and well looked after by the people around you. This can be done remotely or in a place of work. 

During your pregnancy, you have the following rights to the following reasonable workplace accommodations according to the Pregnant Workers Fairness Act (PWFA):

• Longer or more frequent breaks (depending on the type of work that you do)
• Extra time off work for scans and pregnancy-related appointments or health checks 
• Modification to no-food-or-drink policies
• Reassignment of heavy-duty or heavy-lifting work
• Protection against discrimination and unfair dismissal or treatment
• Your contract can’t be changed without your consent
• Time off to recover from childbirth even if you are not eligible for the Family and Medical Leave Act (FMLA).

Pregnancy can be tough without dealing with unfair employers who don’t understand what you’re going through. If your current job isn’t suitable for your pregnancy, find one that is.

Should I let potential employers know I’m pregnant when I apply for a job?

You don’t have to let potential employers know you’re pregnant when you apply for a job, as disclosing your pregnancy is a personal choice in the U.S. You’re not legally obliged to tell anyone. 

Before deciding whether to tell potential employers, here are some benefits of disclosing your pregnancy and things to consider. 

Benefits of sharing your pregnancy with your employer

• Adjustments can be made to your job role if required
• A pregnancy risk assessment can be conducted to ensure you’re working safely
• The company can start planning your cover while you’re on maternity leave
• Your manager can give you time off for pregnancy-related appointments

Things to consider before telling your employer you’re pregnant

• Do you want people to find out yet? You can ask your manager to keep it quiet if you don’t want the whole office to know.
• Have you had your first ultrasound and midwife appointment yet? Most women wait until they’ve had these to check that everything is ok with baby.
• Do you need more time to come to terms with the news yourself? This is absolutely ok if you do!

Where can I find jobs for pregnant women near me?

The good news is that you can find jobs for pregnant women near you in the same way as anyone else! You want your search to be efficient, so you don’t end up wasting lots of time looking at jobs that aren’t suitable for your needs. 

We recommend starting your job hunt in the following places:

Job sites

Using websites is a quick and easy way to see what jobs are currently advertised. Use filters to narrow your search to ‘jobs for pregnant women near me,’ so you can quickly disregard unsuitable opportunities. Our favorites are:

• Glassdoor
• Monster
• ZipRecruiter
• LinkedIn

Local businesses 

Sometimes the best opportunities are just around the corner. Companies often list their current vacancies on their website and social media platforms, so regularly check them.

If there’s a particular business that you’re desperate to work for, you could always approach them and tell them what you’d bring to the team. 

Recommendations 

The best thing about working somewhere that has been recommended to you is you know that it’s a decent place to be. It’s also one of the best confidence building exercises, as you won’t be recommended unless someone has faith in your skills and ability. 

Articles related to jobs and pregnancy

If you enjoyed reading this article about jobs for pregnant women, you’ll like these other posts!

• Is Pregnancy Life Insurance A Thing?
• Natural Fertility Treatments That Won’t Break the Bank
• Freezing Your Eggs: What It Costs And How To Plan
• 25 Side Hustles For Women That Make Real Money

Working your way through pregnancy: Yes it’s possible!

Now you know the best jobs for pregnant women, you can relax and enjoy your pregnancy without worrying about money. Take it easy and listen to your body and your doctor’s advice.

If you want to learn more about managing your finances, Clever Girl Finance has a wealth of information and advice. Find simple ways to increase your income and get answers for how much does having a baby cost as you plan your finances and future.

The post 20 Best Jobs For Pregnant Women appeared first on Clever Girl Finance.

Choosing to work in healthcare is a truly noble way to spend your working years. But over eight years of medical school and residency is a lot, leaving you to wonder if maybe you should find a profession that is less expensive (in both time and money) to get your foot in the door. Well, let’s delve into 20 high paying medical jobs without a degree!

What medical jobs can you start a career in without a degree?

We break down a diverse range of 20 high paying medical jobs that you can pursue without a medical degree. Including roles involving:

• Direct patient care
• Diagnostic and imaging
• Medical support and administration

For all the roles discussed, you will find the expected average salary, educational requirements, and also job responsibilities.

Please note that salaries may vary based on location, experience, and other factors, and educational requirements and job descriptions are general guidelines.

Additionally, some specific roles may have extra requirements or tasks. That said, be sure to always research the latest information and regulations before choosing any career path. Ok, let’s get into it!

Direct patient care roles

Direct patient care roles are medical positions where professionals work directly with patients to provide healthcare services and support. 

Professionals in these roles are often on the front lines of healthcare, involved in diagnosing, treating, and also monitoring patients’ conditions. 

The following sections discuss eight direct patient care jobs in the medical field without a degree. With these roles, you can make money using high income skills without having to attend college.

1. Patient care technician

Average salary for patient care technicians: $51,000 a year

Patient care technicians assist nurses and healthcare professionals in giving direct patient care. 

Your tasks may involve taking vital signs, drawing blood, performing EKGs, helping with procedures, and also maintaining patients’ comfort and safety. With your dedication and expertise, you contribute to the overall effectiveness of patient care in hospitals and clinics, positively affecting patients’ lives.

Educational requirements: High school diploma or your GED and a patient care technician certificate.

2. Paramedics and EMTs

Average salary for paramedics and EMTs: $46,000 a year

As a paramedic or EMT, you’re on the front lines of emergency medical services, giving critical care to patients in urgent situations. 

You’ll respond to 911 calls, assess patients’ conditions, administer necessary medical treatments, and transport them to medical facilities for further care. 

Educational requirements: High school diploma or your GED, a state-approved EMT course, and you need to pass an exam. If you want to be a paramedic, then training, passing exams, and getting licensed as a paramedic is required.

3. Licensed practical nurse (LPN)

Median salary for licensed practical nurses: $54,620 a year

Licensed practical nurses (LPNs) work under the supervision of registered nurses or physicians to provide direct patient care. It’s one of the best medical jobs without a degree.

Your duties may include administering medications, dressing wounds, monitoring patients’ health, and also helping with various medical procedures. 

Educational requirements: High school diploma or GED, finish a vocational training course and pass the National Council Licensure Examination for Practical Nurses.

4. Home health aide

Median salary for home health aides: $29,430 a year

As a home health aide, you’ll provide care and assistance to patients needing medical attention in their homes. 

Your tasks may include helping with personal care tasks, sometimes administering medications, monitoring patients’ health, and also reporting their progress to healthcare professionals. You’ll be a compassionate companion, helping patients and their families through tough times and promoting their well-being in a home-based setting.

Educational requirements: High school diploma or get a GED and a minimum of 75 hours of home health aide training, in addition, some states require you to pass an evaluation to become a certified aide.

5. Nursing assistants and orderlies

Median salary for nursing assistants and orderlies: $35,760 a year

Nursing assistants and orderlies are the backbone of patient care in hospitals and also long-term care facilities. 

You’ll support patients and nursing staff, help with daily activities, turn and position patients, and maintain a clean and safe environment.

In addition, your empathy and attentiveness contribute to patients’ comfort and recovery, making you an integral part of the healthcare team.

Educational requirements: High school diploma or GED, nursing assistant training approved by the National League for Nursing Accredited Commission, and passing the Certified Nursing Assistant exam. 

6. Psychiatric technician

Median salary for psychiatric technicians: $37,380 a year

Psychiatric technicians help psychiatrists and other professionals in healthcare with caring for patients with mental illnesses or developmental disabilities. 

For instance, your tasks may include monitoring patients’ behaviors, administering medications, leading therapeutic activities, and providing emotional support. Your dedication to patient health and safety helps create a healing environment for those needing psychiatric care.

Educational requirements: High school diploma or get a GED, and, typically, a certificate program or get an associate’s degree.

7. Phlebotomist

Average salary for Phlebotomists: approximately $29,000 to $45,000 a year

As a phlebotomist, your primary task is to collect blood samples for testing, transfusions, or medical research. 

For instance, you’ll locate and access veins, use sterile techniques, and manage accurate labeling and proper storage of blood specimens. With a gentle demeanor and the ability to ease patient anxiety during the blood collection process, you provide a positive patient experience.

Educational requirements: High school diploma or GED, completion of an accredited phlebotomy program, and, in some states, also a professional phlebotomy certification.

8. Community health worker

Median salary for community health workers: $46,190 a year

A community health worker acts as a bridge between healthcare providers and the community, facilitating access to healthcare services and resources. 

They engage with community members to assess their health needs, educate them about preventive measures, and also offer support to manage chronic conditions effectively.

Educational requirements: High school diploma or GED, on-the-job training, and some states require the completion of a certification program.

9. Health coach

Average salary for health coaches: $63,318 a year

A health coach guides individuals to make positive changes in their lifestyle, leading to better health and well-being. This career is one of the most rewarding medical jobs without a degree.

Health coaches work collaboratively with clients to set realistic health goals, create personalized action plans, and also provide ongoing support and motivation to achieve those goals. They address various aspects of health, such as nutrition, exercise, stress management, and overall mental and physical health.

Educational requirements: You’ll need to obtain a certification from an organization that offer training courses that will qualify you to work as a health coach. You might also be required to conduct healths coaching sessions and pass a certification exam.

10. Massage therapist

Median salary for massage therapists: $49,860 a year

Massage therapists provide therapeutic relief and relaxation to clients. 

They work with individuals seeking relief from muscle tension, stress, pain, and physical injuries and apply their expertise to manipulate soft tissues, promote circulation, and enhance overall well-being.

Massage therapists work in various settings, including spas, wellness centers, chiropractic offices, and also sports facilities.

Educational requirements: High school diploma or GED, completion of an accredited massage therapy program, and receipt of massage therapy license.

Diagnostic and imaging roles

In healthcare, correct and detailed diagnostic information is crucial for effective treatment. 

That’s where professionals in diagnostic and imaging roles come into play. 

These skilled individuals use advanced medical technology to capture images and perform tests that help healthcare providers pinpoint illnesses, injuries, and other health conditions. So start using money making skills to begin a great career!

1. Ophthalmic medical technician

Median salary for Ophthalmic medical technicians: $38,860 a year

Ophthalmic medical technicians support ophthalmologists in diagnosing and treating eye conditions.

For instance, your tasks may include performing vision tests, measuring eye pressure, and helping with eye surgeries.

Additionally, you may conduct specialized tests, such as visual field testing and corneal topography, to aid in diagnosing various eye disorders. Your expertise contributes to comprehensive eye care and helps patients maintain optimal eye health and vision.

Educational requirements: High school diploma or obtain a GED and complete the Certified Ophthalmic Technician exam. 

2. Radiology technician

Average salary for radiology technicians: $65,301

As a radiology technician, you will perform screening and diagnostic imaging on patients. This imaging may include x-rays, mammograms, sonograms, CT scans and more. Typically this work is done in hospitals or at out-patient imaging facilities.

Educational requirements: High school diploma or GED and completion of a radiologic technologist program to obtain a license. May employers require certification and registration with the American Registry Of Radiologic Technologists (ARRT).

Medical support and administrative roles

Medical support and administrative roles work behind the scenes to ensure all daily tasks run smoothly and efficiently. And there are plenty of medical jobs without a degree in this field.

Their contributions are invaluable in giving excellent healthcare services, from managing patient records to handling billing and also scheduling.

1. Medical transcriptionist

Median salary for medical transcriptionists: $34,730 a year

Medical transcriptionists convert dictated recordings by healthcare professionals into written medical reports.

In addition, your keen attention to detail and knowledge of medical terminology support the correct documentation of patient histories, diagnoses, treatments, and procedures. Your work also supports seamless communication among healthcare providers, contributing to good patient care and record-keeping.

Educational requirements: High school diploma or GED, and completion of a medical transcriptionist certification program, and exam. 

2. Medical assistant

Median salary for medical assistants: $38,270 a year

Medical assistants are versatile professionals who provide administrative and also clinical support in medical settings, making it one of the best jobs in the medical field without a degree.

You’ll perform various tasks, such as scheduling appointments, taking patient vitals, preparing examination rooms, and assisting physicians during medical procedures. Your role is helpful in ensuring smooth daily operations in clinics and hospitals, and you’ll be a comforting presence for patients during their visits.

Educational requirements: High school diploma or GED, accredited medical assistant program completion and exam.

3. Pharmacy aides

Median salary for pharmacy aides: $33,270 a year

Pharmacy aides provide support in pharmacy settings, for instance, helping with inventory management, stocking shelves, and processing medication orders.

While not directly involved in medication dispensing or patient consultations, you’ll maintain the organization and efficiency of the pharmacy, ensuring patients receive timely and accurate services.

Educational requirements: High school diploma or get a GED and training on the job or completion of a pharmacy assistant certification program.

4. Medical biller

Median salary for medical billers: $46,660 a year

Medical billers are responsible for processing medical insurance claims, ensuring the correct coding of procedures, and then submitting bills to insurance companies and patients. 

Your knowledge of medical coding and billing systems helps healthcare facilities receive proper reimbursement for services provided, ensuring the organization’s financial stability.

Educational requirements: High school diploma or get a GED and completion of an accrediting medical billing and/or coding program.

5. Pharmacy technician

Median salary for pharmacy technicians: $37,790 a year

As a pharmacy technician, you’ll assist pharmacists in dispensing medications to patients and healthcare providers.

For example, your tasks may include measuring medication doses, processing prescription orders, and maintaining medication inventory. Your attention to detail and knowledge of pharmaceuticals are crucial in promoting medication safety and also improving patient outcomes.

Educational requirements: High school diploma or GED, accredited pharmacy technician training program completion, and certification. 

6. Hearing aid specialist

Median salary for hearing aid specialists: $59,020 a year

Hearing aid specialists work with patients experiencing hearing loss, helping them find and fit appropriate hearing aids, and it’s one of the best medical jobs without a degree.

Your expertise in assessing hearing needs, conducting hearing tests, and also providing unique hearing solutions can help restore the ability to hear.

Educational requirements: High school diploma or GED, completion of a hearing aid specialist program, and completion of the licensing exam. 

7. Optician

Median salary for Opticians: $39,610 a year

Opticians specialize in helping patients select and fit eyeglasses and also contact lenses based on prescriptions provided by optometrists or ophthalmologists. 

Your knowledge of various lens options and frame styles and your ability to take precise measurements helps patients achieve optimal vision correction and, in addition, comfort.

Educational requirements: GED or high school diploma, a program from a vocational school or an associate degree in ophthalmic dispensing, and, in some states, certification via the American Board of Opticianry / National Contact Lens Examiners. 

8. Surgical technician

Median salary for surgical technicians: $55,960 a year

As a surgical technician, you’ll prepare operating rooms, clean equipment, and assist surgeons during procedures.

In addition, your quick thinking and attention to detail help maintain a sterile environment and the smooth flow of surgical operations. 

Educational requirements: High school diploma or obtain a GED and complete a surgical technologist training certification program.

9. Medical equipment preparer

Median salary for medical equipment preparers: $41,480 a year

A medical equipment preparer is responsible for ensuring that medical equipment is properly cleaned, sterilized, and also prepared for use in healthcare facilities. 

They play a critical role in maintaining a sterile and safe environment for medical procedures, protecting patients and also healthcare professionals from infections and cross-contamination.

Educational requirements: High school diploma or GED, training, and then certification is beneficial.

Expert tip: Focus on finding medical jobs that interest you

When looking for high paying medical jobs without a degree, finding a medical career that you find interesting and that lets you use your unique skills will lead to greater job happiness and increase your chances of doing well in your chosen field. 

So I recommend taking the time to research different roles, talk to professionals in the industry, and identify the ones that resonate with you the most. 

5 Tips to secure a high-paying medical job without a medical degree

Here are five valuable tips to help you secure a high paying medical job without needing a medical degree. 

From building a strong skill set to using networking tips like a pro, these tips will put you on the path to success and, additionally, open doors to lucrative opportunities in the dynamic world of healthcare. 

1. Build the relevant skill set

To secure a high paying medical job without a medical degree, focus on building a robust and also relevant skill set. 

My suggestion is to consider investing in industry-specific certifications and enrolling in training programs that cater to roles such as medical coding, billing, radiology, and more. These certifications and training courses will equip you with the knowledge to excel in your desired medical field.

2. Get practical experience

While building a solid skill set is essential, practical experience is equally valuable when you want a high paying medical job without a medical degree. In my opinion, it’s one of the most important parts of working in the medical field.

Seek internships, volunteer opportunities, or also entry-level jobs in healthcare settings to gain hands-on experience in your chosen field.

Practical exposure allows you to apply the knowledge gained from certifications and training programs in real-world scenarios. Work alongside experienced professionals, honing your skills and learning industry best practices as well as lessons in leadership.

3. Build a professional network

Connect with healthcare professionals through events and online platforms to expand your network. 

Networking opens doors to hidden job opportunities and also provides valuable guidance for your career journey.

For instance, attending industry events, workshops, and seminars allows you to meet professionals from various healthcare fields. Engage in conversations, exchange contact information, and also stay connected through online platforms like LinkedIn.

4. Highlight your unique transferable skills

While you may not have a medical degree, your diverse skill set can significantly impact patient care and overall healthcare operations. And there are a lot of medical jobs without a degree that are available!

For instance, highlighting your problem-solving abilities showcases your aptitude for handling challenges and finding innovative solutions. Effective communication skills are crucial in patient interactions and collaboration with healthcare professionals.

In addition, strong teamwork skills show your ability to collaborate effectively in fast-paced medical settings. 

5. Customize your resume for the specific job you want

Customize your resume for each job to showcase your suitability for the role when you’re trying to find a new job. 

Don’t use a generic resume for every job application. Instead, carefully review the job description and identify the key skills and qualifications required. Then, align your resume with those specific requirements, emphasizing relevant experiences and accomplishments.

In your cover letter, express your enthusiasm for the position and the organization. Showcase how your unique skill set and passion for the medical field align with the company’s mission and values. 

What is the easiest medical job to get?

While the term “easiest” may vary from person to person, some of the easiest medical jobs to get have relatively low barriers to entry and require shorter training periods. 

Roles like medical billing and pharmacy aide are easier to get into than roles that demand extensive education and clinical training. These positions often require no more than a high school diploma or equivalent. They may offer on-the-job training or short certification programs.

Can you work in the medical field without going to medical school?

Yes, absolutely, you can work in the medical field without going to medical school.

Many roles in healthcare, such as medical assistant, phlebotomist, pharmacy technician, and medical transcriptionist, can be pursued without obtaining a medical degree. These positions often have educational requirements ranging from a high school diploma to a specialized certification.

How can I get into the medical field without being a doctor?

There are numerous opportunities to get into the medical field without being a doctor.

By identifying your interests, researching the specific educational qualifications, gaining relevant experience, and also pursuing specialized training, you can start a fulfilling career in the medical field without training to become a doctor. 

In addition, networking and connecting with professionals in the industry can also help you discover diverse pathways and open doors to exciting opportunities in healthcare.

Articles related to medical jobs without a degree

If you enjoyed this article, you’ll love reading these next!

• 8 Of The Best 6 Figure Jobs Without A College Degree
• 28 Best Jobs That Pay Well Without A Degree
• The 15 Best Jobs For Moms With No Degree
• 15 High Income Skills Without A Degree Needed!

High paying medical jobs without a degree: Which one will be yours?

Are you ready to take the first step toward one of the high paying jobs in the medical field without a degree?

The diverse range of 20 high paying jobs that pay well without a degree we’ve explored offers endless possibilities to make a meaningful impact in the healthcare industry. Whether you’re drawn to direct patient care, diagnostic imaging, or administrative support, there’s a perfect fit for you.

Embrace your passion for helping others and let your unique talents shine in the medical world. And making a good income will allow you to have better financial wellness and reach your money goals.

The post 21 High Paying Medical Jobs Without A Degree To Explore appeared first on Clever Girl Finance.

Budgeting as a couple is critical in managing your household finances. Your budget not only allows you to plan and track where the money will be spent, but it enables you to direct the course of your finances together. It also helps you stay on the same page on your financial goals.

If you or your spouse haven’t created a budget before, you’re not alone. The NFCC’s Consumer Financial Literacy Survey found that only about 47% of Americans have a monthly household budget that closely tracks their spending. 

For couples, budgeting can be a touchy subject, especially if one is a saver and the other is a spender. But you can be successful at it and have fun while doing it, too. When budgeting as a couple, the most important thing to remember is that a budget is simply a plan for your money.

And, like all plans, you should discuss, tweak, and revisit it often to ensure that you reach your end goal.

5 Steps to get started budgeting as a couple

Figuring out how to budget can seem confusing in itself since there are so many ways to approach it. Keep in mind that it can be a fun and positive challenge you take on with your partner. It comes down to six basic steps:

1. List all of your combined income sources and amounts

Knowing how much money you have coming in to cover your expenses and other items in your budget is of utmost importance. In fact, your income should be the first item that is listed on your budget.  

To begin creating your budget, list out all of the expected income that you and your spouse will receive during the time period that you’re budgeting for. Again, this could be a week, two weeks, or even a month. 

Income can come from more than just your 9-to-5 salary. Don’t forget to include income sources like:

• Side-hustle money
• Bonuses
• Dividend income
• Rental income
• Royalties
• Refunds

Once you’ve created a list of all of your combined income sources, list out how much you expect to receive from each one. Add these numbers together to get a total of how much income will be coming into the household to cover expenses for that budget. 

List this number at the top of your budget and remember that your expenses should NOT exceed it. 

2. List out all of your joint household expenses

After calculating your total income, list your expected expenses in one column. There are some expenses that don’t change from month to month.

For example, rent or mortgage, groceries, and electricity are recurring expenses that you’ll need to account for. These recurring expenses can be sorted into twelve standard household budgeting categories.

12 Common household budgeting categories

1. Saving
2. Giving
3. Housing
4. Transportation
5. Utilities
6. Food
7. Personal Care
8. Medical/Health
9. Insurance
10. Household goods/supplies
11. Debt payments e.g. student loans, credit card debt, car payments
12. Entertainment/Fun such as at home date night ideas

Grouping your expenses into these categories not only keeps your budget organized, but it allows you to see where the majority of your money is being spent.

Simply list your expenses within the categories that they belong to. For example, your “housing” category could include mortgage, homeowners association dues, lawn care, and property taxes.

Even if an expense doesn’t occur each budgeting period, you can still include it in your standard list of expenses.

3. Estimate how much you will spend on each item

Though some expenses may be recurring, the total cost may not be the same every time. Therefore, it’s important to review your expenses each time you create a new budget.

Estimating and listing your expenses also allows you to see what can be reduced in your budget to free up cash for other things.

The easiest way to estimate your expenses is to take an average of what you’ve spent over the prior months. An example would be taking a three-month average of your grocery costs to get an estimate for the coming month.

In some cases, you’ll know the exact amount from a billing statement, while in other cases you’ll just need to make a decision on what your limit will be.

This is true for expenses like gifts and savings. You can determine what you want to budget for these line items. However, the key is coming up with realistic budget amounts that you can both afford and stick to.

Total up these estimates and subtract them from your estimated income. Does it exceed your expected income? If so, you need to reduce some of your expenses. If it’s less than your expected income, allocate the additional money to savings or debt payments.

4. Track expenses

The most important part of budgeting is tracking your expenses. After all, you need to know if you’re staying within your budget.

Keeping an eye on your expenses also doubles as reminders for due dates. It helps you pay for bills on time and avoid penalties and fees.

There are two ways that you can easily track your spending with your spouse:

Shared spreadsheets or templates

You can house your budget spreadsheet on Google Drive or Dropbox so that you and your spouse have access to reference or edit it at any time. Here are some awesome budget templates as well as an example of a budget.

Budgeting apps

There are tons of budgeting apps that allow you to connect your bank account and debit cards to track your spending. These apps even go as far as putting your expenses in the right category and alerting you when you’re nearing your budgeted amount.

You can log your expenses as they occur or have a set time each day to do so. Either way, you’ll need to be consistent about tracking your spending if it’s not being done automatically by finance apps. 

5. Schedule a standing budget meeting

Remember, in order to be successful with budgeting as a couple, your budget is a plan that needs to be discussed, tweaked, and revisited often.

To ensure that this happens, schedule a standing budget meeting with your spouse. The intent of your budget meeting should be to review your spending and to create your next budget before you get paid.

Make the conversation fun and relaxing (cook a nice dinner!) and plan out your bills and expenses that you know are coming up. This way your dollars are allocated in advance.

You can also discuss upcoming expenses and go over your money questions. At its conclusion, there should be an agreement on what the upcoming budget will be and it should be documented.

6. Talk about your finances often

Your budget meeting does not negate talking to your spouse about the budget and spending as needed. You should be in constant communication about your finances and spending. It’s all about getting to the point where talking about your finances is just something that you do!

Expert tip

Budgeting as a couple requires dedication and being accountable to each other. Remember that your goal is to support each other and achieve your goals together.

The first step is to create a budget you both agree on. Then, keep checking in and talking about what’s working, what’s not working, and what needs to change.

What is the best way to budget as a couple?

The best way to budget as a couple is by coming up with a budgeting approach that works for you. That said, you’ll both need to keep in mind and agree on a few other things to make it all work:

Create your budget with your spouse before you get paid

You must be proactive and not reactive with your money. If you wait until after your income arrives to create your budget, it is no longer a plan. 

Before you sit down to create your budget, talk about how you both approach money. Understand each other’s spending habits and goals so you have a basis moving forward.

Budget as often as you get paid

Correlate your budgeting to every time you get paid. If monthly you should budget monthly; if bi-weekly you should budget bi-weekly.

This allows you to align your expenses with your income and not overspend. Make sure you are both aware of each others’ pay dates so you know when to expect income.

Don’t budget for more expenses than your income

Your budget should help you stay within your financial means and not overspend. If you find that your expenses exceed your income, it’s time to sit down and take a long hard look at where you can cut back or how you can increase your incomes.

Track your expenses jointly and consistently

This is the only way that you will be able to see your performance and progress toward the plan. You have to know what expenses you both have. You also need to know what irregular expenses you both have coming up.

Make budgeting and tracking your expenses easier by calling your providers and changing the due dates on your bills. So, they coincide with when you get paid.

Stick to the plan you both agree on

If you have to deviate from your budget, make sure to talk about it first. Not only will this avoid conflict, but it will also help you maintain trust with your significant other around your finances.

The last thing you want is to get into a big fight or feel disappointed because one of you didn’t honor the agreement (i.e. your budget) you both made.

Review how you’re spending against your plan regularly

Your budget will evolve as your needs, wants, and goals change. That’s why it’s important to review and pivot if necessary.

Talk about your transactions, go over your bank statements together. But remember to make it an exercise, not an argument.

Talk about your long-term goals as well

Take some time out to talk about your dreams and goals and how you plan to approach them. Want to launch a business? Travel the world? Save a million dollars and get a Certified Financial Planner to manage your portfolio?

These are conversations you should have and start planning together. A good idea is to create specific categories within your budget that includes your long-term goals like retirement savings, no matter how small you start.

Listen and communicate

Communication is the foundation of success in marriage and in budgeting as a couple. There will be times when you don’t always agree on your money choices.

The key to getting past the disagreements is by listening, communicating your own point of view, and coming to a common ground or mutual agreement. Remember, you are a team, not rivals.

Leverage budgeting tools

Budgeting as a couple is still doable with finance apps and budgeting tools. Apps allow you to track your income and expenses, update your budget categories, or keep an eye on your savings accounts balances.

YNAB (You Need a Budget) is a great app for most budgeting needs. Budgeting for couples is easier with Honeydue. Meanwhile, Goodbudget works like digital envelopes. Check them out and see which ones you like best.

What is the best budget for a married couple?

The best budget for a married couple all depends on your personal preference. You can create a budget using cash envelopes, percentage based budgeting, zero based budgeting, or reverse budget, for example.

Cash envelope budgeting is exactly what it sounds like. You put cash into different envelopes based on your spending categories. If you find yourself over drafted one too many times, this might be an effective method for you.

Percentage budget like the 50-30-20 method is as simple as can be. The rule is to divide your after-tax income into three categories like so; 50% to needs, 30% to wants, and 20% to savings.

On the other hand, a zero-based budget asks you to assign a job to every dollar you earn while reverse budget tells you to put money in savings first before figuring where to spend the rest of your income. Try either of these methods if you’re focus is on saving or if you have irregular income.

There are several other budgeting methods, you just have to find one that suits your lifestyle.

How do you split finances as a couple?

When it comes to how you split finances as a couple, who pays for what in your relationship comes down to personal preference. There is no right or wrong way to do it, but communication is key.

Start with being open and honest about your needs and goals. At the same time, consider the differences in your income. So, one partner may pay for the mortgage, and the other picks up the electric bill and car payments.

You can also open joint accounts where both partners contribute each month. Then, use the account to pay for your spending. Conversely, you can use joint accounts to save for expenses like a wedding or a down payment on a home.

Articles related to budgeting as a couple

If you enjoyed reading this article and would love to learn more about managing your finances as a couple, check out this related content!

• Is Opening a Joint Bank Account a Good Idea?
• 20 Couples Challenges To Improve Your Finances And Relationship
• 20 Money Questions To Ask Your Partner In A Relationship
• 23 Best Side Hustles For Couples

Budgeting for couples can be a breeze!

By applying the tips we share in this article to your budgeting practice, you’ll stay on track with your financial goals and your spending. Ultimately, you want your budget to help you manage your finances, not feel like a trap.

Budgeting as a couple is one of the best financial decisions that you can make in your relationship. It allows you to talk about and work toward your financial goals together.

So use budgeting as a tool to generate much-needed money conversations in your marriage and to avoid disagreements around how money is spent. Be sure to check our top relationship advice for women about money!

The post Budgeting For Couples: How To Budget As A Couple appeared first on Clever Girl Finance.

Let’s be real for a second – there’s a stigma in place when it comes to education. People who don’t go to college are often seen as having less earning potential. But that’s flat-out wrong on so many levels because there are jobs that pay well without a degree!

It’s possible to be successful no matter your education level. And we’re here to prove it.

We’ve compiled a great list of good paying jobs without degrees. If you’re a job seeker looking for a way to make money, get paid what you deserve, and achieve job growth, one of these jobs that pay well without a degree might be right for you.

Can I find jobs that pay well without a degree?

Yes, obviously! There are plenty of great jobs with high pay. Just because you didn’t go to college doesn’t mean you are limited in your earning options.

On average, workers 25 years or older without a college degree earn $827 a week. That is lower than the average bachelor’s degree salary, but that’s not set in stone.

There are plenty of occupations without a degree that pay more than that. Let’s take a look at the highest paying jobs without a degree so you can see what fields might be right for you.

Hands-on jobs that pay well without a degree

These jobs are hands-on and are in a variety of exciting fields. If you like to learn on the job, you may choose one of these options.

1. Power plant operator

Median power plan operator salary: $94,790/year (operators, distributors, dispatchers from BLS)

Education required: High school diploma or equivalent

Power plant operators are one of the best jobs without a degree to have. Basically, you’d be in charge of controlling the systems that generate and distribute electric power.

So as you may have guessed, this is kind of a high-pressure job that may involve machinery. You’ll typically work 8 or 12-hour shifts on a rotation.

You’ll need a lot of on-the-job training to give you the skills and knowledge you need to manage the plant, but the average annual salary is great.

2. Elevator installer and repairer

Median elevator installer and repairer salary: $97,860/year

Education required: High school diploma or equivalent

Do you have a knack for fixing things? If so, you might put those skills to good use as an elevator installer or repairer, also on the list as one of the highest paying careers.

You’ll work directly in crawl spaces and machine rooms to make sure an elevator is working right. Just make sure you’re not afraid of heights! It’s also not uncommon to work directly in an elevator shaft.

Don’t worry if you’re not an elevator whiz — you’ll learn all you need to know in an apprenticeship.

3. Police officer or detective

Median police officer or detective salary: $66,020/year

Education required: High school diploma plus police or detective training academy

Being a police officer or detective means you can help protect people. You’ll get to solve crimes and bring criminals to justice. Which includes collecting evidence, apprehending suspects, and de-escalating dangerous situations.

Obviously, there are a lot of risks to being a law enforcement officer. The job is stressful and demanding, so it’s not right for everyone especially if you are looking for low stress jobs. While it is one of the jobs that pay well without a degree, you will need to attend police training before you can get your badge.

4. Railroad workers

Median railroad worker salary: $64,150/year

Education required: High school diploma or equivalent

Believe it or not, your childhood dream of being a train conductor really can come true. Railroad workers do more than just conduct, though. It’s their responsibility to make sure trains run on time and according to safety regulations.

Where you work depends on your role. A conductor will obviously travel on the train, but a railroad worker might stay in the same yard all day long to operate switches. While you don’t need a degree, you’ll often require a few months of on-the-job training to fully get into the career.

5. Electrician

Median electrician salary: $60,040/year

Education required: High school diploma or equivalent

Light up your life as an electrician. It will certainly supercharge your bank account! You’ll be responsible for installing, maintaining, and repairing power, communications, lighting, and more in buildings and homes.

Life as an electrician can be very busy. You’ll frequently move around from job to job (not to mention tons of overtime), but the pay makes it worthwhile.

And best of all, you don’t need a college education. You’ll cover all you need to know in an apprenticeship.

6. Plumber, Pipe-fitter, or Steamfitter

Median plumber, pipe-fitter or steamfitter salary: $59,880/year

Education required: High school diploma or equivalent

There’s a reason Mario is always collecting golden coins. He’s making bank at his job, and you can too. Plumbers, pipefitters, and steamfitters all work on fixing and maintaining piping fixtures and systems, and these are good paying jobs without degrees.

Work can be in homes or commercial buildings. You may also have a lot of emergency calls to deal with, as plumbing disasters typically can’t wait until morning. It’s another job that provides an apprenticeship to teach you everything about working in the field.

7. Ironworkers

Median ironworkers salary: $57,160/year

Education required: High school diploma or equivalent

Are you tough as steel? Maybe being an ironworker is your calling! The job involves installing structural steel and iron when building roads, bridges, and structures.

The career isn’t for the faint of heart. You’ll often be high up on platforms performing physically demanding work, but it’s one of the jobs that pay well without a degree. Plus, you only need an apprenticeship to get started.

8. Commercial pilot

Median commercial pilot salary: $99,640

Education required: Commercial certificate

If you want to fly and find the highest paying jobs without a degree, you can become a commercial pilot. It’s a little different than airline pilots. You’ll still need training, but then you can do a multitude of different flights such as transporting skydiver passengers or working as an air ambulance pilot.

It’s a great job for people that love adventure and it’s one of the highest paying jobs without a degree.

9. Sheet metal worker

Median sheet metal worker salary: $53,440/year

Education required: High school diploma or equivalent

Another type of construction worker is a sheet metal worker. Which involves fabricating and installing products made of thin metal sheets.

Like other labor gigs, it’s a strenuous position. You’ll be bending, climbing, and squatting as you maneuver the metal sheets into place. You’ll learn the trade through an apprenticeship.

Administrative jobs that pay well without a degree

If you prefer a work environment in an office setting, these are the perfect occupations. Here are the best jobs without a degree in the administration field.

10. Claims adjuster

Median claims adjuster salary: $64,710/year

Education required: High school diploma or equivalent for entry-level positions

As a claims adjuster, you’ll be the one responsible for evaluating insurance claims and either approving or denying them. Because insurance claims can happen in a variety of places and scenarios, you’ll often get to be out of the office. You’ll need to inspect damages in person to make your assessment.

While some positions do require a bachelor’s degree, you can still find some that don’t. You’ll get all the knowledge you need while working on the job.

11. Executive assistant

Median executive assistant salary: $65,980/year

Education required: High school diploma or equivalent, though some employers may require a degree

As an executive assistant, you’ll basically be a manager’s right-hand person. This means you may need to prepare important reports, conduct research, and handle any information requests.

You want to make sure you’re a people person, as you’ll be answering phones and scheduling meetings. You may even receive visitors.

All you should need for this job is prior work experience, good people skills, and superior computing abilities. It’s one of those great jobs that pay well without a degree, and this position can open the doors to many opportunities. So it’s not uncommon to see executive assistants step into managerial roles.

12. Postmaster

Median Postmaster salary: $82,760/year

Education required: High school diploma or equivalent

If you’re interested in helping a major organization operate and you have a passion for administration, you could work for the U.S. Postal Service. To become a postmaster, you’ll first need to get job experience with the USPS.

A postmaster is also called a mail superintendent, and your tasks include anything related to helping the post office branch run smoothly. You’ll need a strong head for organization and customer service to succeed.

You can likely work your way up from entry level positions at the USPS to eventually take on a managerial position.

13. Property manager

Average property manager salary: $59,230/year

Education required: High school diploma or equivalent

If you like the idea of working in an office setting but also getting out in the community frequently, being a property manager is a job that pays well without a degree. Strong administrative skills and good people skills are helpful.

Property managers handle tasks like listing and showing available apartments, inspecting grounds, meeting with property owners, and more. You may need to start with a more entry-level position to gain some relevant work experience before moving up to property manager.

14. Court reporter

Median court reporter salary: $60,380/year

Education required: Postsecondary non-degree award or certification

Do you often impress others with your typing speed and accuracy? Then becoming a court reporter is one of the highest-paying jobs without a degree.

You need to be able to stay focused under pressure, typing word-for-word transcriptions in legal proceedings. A similar job is a simultaneous captioner, creating transcriptions for meetings, television, press conferences, and more.

The great thing about being a court reporter is that you can take a certificate program at a community college. There’s no lengthy degree program to become qualified, and the median salary is super close to the annual mean wage in the U.S. of $61,900.

Jobs that pay well without a degree that involve sales

Maybe you’re great at pointing out all the positives of a product and you love to earn a commission. These sales jobs could be for you!

15. Wholesale and manufacturing sales representative

Average sales representative salary: $62,890/year

Education required: High school diploma or equivalent

A wholesale and manufacturing sales representative is another of the best jobs without a degree. Why? There’s always money in sales!

Particularly in wholesale and manufacturing. So this might involve closing deals with businesses, organizations, and government agencies.

Keep in mind, that a lot of sales positions do run on commission. So you need to make sure you’re a persuasive person who can sell anything to succeed in this role.

As long as you’re not selling anything too scientific or technical, you shouldn’t need anything more than a high school diploma to get started.

16. Insurance sales agent

Median insurance sales agent salary: $49,840/year

Education required: High school diploma or equivalent

There are all types of insurance out there, and selling these policies to clients can earn you a hefty commission. You’ll meet with your clients, find them the coverage that meets their needs, and answer their questions.

Another people-oriented position, this job does rely on you being friendly and open. There’s also a lot of paperwork involved. Most states don’t require you to have a degree, though you may need training.

You’ll also need to be licensed in your state. If you can get past the hoops, this is another one of the jobs that pay well without a degree.

17. Real estate agent or broker

Median real estate agent or broker salary: $48,770/year

Education required: High school diploma or equivalent

If you love watching “House Hunters,” maybe it’s time you turned your passion into a moneymaker. Being a real estate agent or broker means you will help people buy and sell their homes, and it’s one of the highest paying jobs without a degree.

It does take a lot of work, though. Your weekends will be dedicated to house showings, meaning you won’t have a typical 9 to 5 schedule.

Most states don’t require you to have a college degree. However, they will require you to take licensing courses to become certified, as well as pass a licensing exam.

Being a real estate agent is a career path that doesn’t have a limit as you can grow as large as you’d like. Of course, this is all just as long as you’re willing to put in the work, then it can be one of the highest paying jobs without a degree.

People-oriented jobs that pay well without a degree

Do you love to help others and prefer to interact with a lot of people throughout your day? Check out these people-oriented, good paying jobs without degrees.

18. Hearing aid specialist

Median hearing aid specialist salary: $59,020/year

Education required: High school diploma or equivalent

Another job that helps people, a hearing aid specialist works to select and fit hearing aids for consumers. You’ll get to make a real difference here as you make it easier for people to hear again.

Working as a hearing aid specialist will require one-on-one work with your customers. You may also need some technical knowledge, as you’ll have to assess hearing instrument efficacy.

Other than that, though, a high school diploma is just fine in this career, and it’s one of the most rewarding jobs without a degree.

19. Dental hygienist

Average dental hygienist salary: $77,810/year

Education required: Associate’s degree

This is definitely a hands-on career, and it also requires a lot of time up close and personal with patients. It’s a fast-growing occupation that doesn’t require a bachelor’s degree.

To become a dental hygienist, you’ll need to get your associate’s degree in dental hygiene, which can take about three years.

The job of dental hygienists can be a bit gross, but you can start earning a great salary in less time than with other careers. It’s also common to work part-time, and you likely won’t have a lot of weekend shifts. That makes it one of the best jobs without a degree.

20. FedEx driver

Average FedEx driver salary: $52,717/year

Education required: High school diploma or equivalent

FedEx has pretty high-paying jobs for their drivers. So if you enjoy driving and like to have a routine, this career may be a good choice. Drop off boxes and packages to various locations throughout the route.

It’s a good customer service option if you need to make a good income and don’t want to go to school, and also if you prefer to meet many people throughout your day.

21. Flight attendant

Median flight attendant salary: $63,760/year

Education required: High school diploma or equivalent

Are you people-oriented and do you enjoy traveling to various locations? You might like being a flight attendant, one of the best jobs without a degree.

While you will need to undergo some training and deal with a lot of customers during the day, there are some perks to this career.

Airlines usually include traveling standby for free for flight attendants, and you’ll have the chance to meet people from around the world. So if you are determined to travel and don’t mind long hours, this could be a great job for you.

Highest paying jobs without a degree for creatives

If you often work on different projects and have a great imagination, you will probably like a creative job. Here are some of the best ones.

22. Writer/author

Median writer/author salary: $69,510/year

Education required: High school diploma is useful (but not really required).

Becoming a writer or author typically means working on your own schedule from whatever location you choose, although you may have writing deadlines.

If you’ve got a way with words or did well in language and literature classes, you may be able to make a career of this, or work doing this short-term while between jobs.

There are many different specialties for writers and some fields like blogging, white papers, and sales have high pay. And for those that prefer to start their own blogs, earning potential is unlimited. You can even do this job part-time and still make a decent amount of money.

23. Social media manager

Average social media manager salary: $72,860/year

Education required: Experience with social media

You don’t need school for this job, just experience. So if you enjoy social media and would like to manage and plan other people’s accounts, this is a great gig. If you’re creative and great at marketing you should excel in this role.

You don’t need a four-year degree to make this work, but it helps if you know how to do several things, like if you have photographer or video editing skills, or are good at writing.

24. Sound engineering technician

Average sound engineering technician salary: $60,670/year

Education required: Varies from high school diploma to bachelor’s degree and beyond

You may have amazing skills with setting the perfect mood for video, TV, podcasts, and more. If so, working as a sound engineering technician is among the good paying jobs without degrees.

All of the media people consume on a daily basis requires appropriate sound: music, voices, and other sound effects. Sound engineering techs work in film, television, radio, performing arts, and other industries.

You may think of sound engineering as merely working in a studio to come up with the perfect sounds for a recording. But there’s more; you might also be charged with setting up and operating microphones for an event like a political debate, for example.

25. Makeup artist

Median makeup artist salary: $75,730/year (performance and theater)

Education required: Typically a cosmetology license

Are you creative and fashionable? Have you been perfecting makeup looks for years? A professional makeup artist career might be a small step and a decent paycheck.

You may need to get a cosmetology or esthetician license, and obviously, you’ll need to practice a lot to be a professional. But once you get some certifications and experience this can be very exciting work, and one of the highest paying jobs without a degree.

Computer jobs that pay well without a degree

Are you interested in computers and great with all things tech-related? These good paying jobs without degrees may be just what you need!

26. Cyber security analyst

Average cyber security analyst salary: $128,870/year

Education required: Bachelor’s degree is often required but not always

A cyber security analyst is one of the highest-paying jobs without a degree, ideal for people who love computers and are great with technology.

A cyber security analyst protects from digital attacks and malware. You may not need a degree to get started, either, and there’s an excellent average salary.

*Note: According to the Bureau of Labor and Statistics, many employers do require a bachelor’s degree for cybersecurity positions. However, as Coursera explains, some people can secure a position by getting a cybersecurity certification or working an entry-level IT position first.

27. Web developer

Median web developer salary: $78,300/year

Education required: Ranges from high school diploma to bachelor’s degree

Web developers build and improve websites, which is a pretty useful skill these days. In addition, if you have web design or graphic design skills, that’s even better. Other key skills to help you earn more are HTML, javascript, and CSS.

You could easily work as a freelancer full-time and make some great money creating websites for businesses and companies. Use those tech skills to snag one of the highest paying jobs without a degree.

28. Mystery shopper

Average mystery shopper salary: $14.57 per hour

Education required: None

As a mystery shopper, you can shop at a variety of different stores and dine at various restaurants. Your job is to review your experience and provide feedback to the company so they can create business improvements.

As you search for mystery shopper jobs be sure to select companies that are members of the MSPA Americas; a trade organization made up of legitimate mystery shopping companies. Be aware that the average pay for mystery shoppers isn’t that high, especially since minimum wage has increased in quite a few states.

Some popular places to find mystery shopper jobs include BestMark and A Closer Look.

Expert tip

Although college degrees are still important in many fields, there are quite a few job opportunities that don’t require a degree. You can start making more money sooner by taking one of these jobs that pay well without a degree.

Some employers are looking more closely at your experience, which in some cases you can gain via free or inexpensive online classes or on-the-job training. Others may require an associate’s degree, which usually only takes two years.

Don’t give in to the myth that you can’t earn a good income without a degree! Get creative and look for the opportunities best suited to you, and earn more

How to apply for and get jobs that pay well without a degree

It’s good to know that there are high-paying jobs in a lot of different fields that don’t require a college education. But how do you get one of those jobs? See the tips below.

Have the right mindset

First, have a healthy mindset. If you’re looking for a job to replace your current one, be patient in your search. On the other hand, if you need a new job immediately, know that it’s alright to take a job that pays the bills while you search for the job of your dreams.

Also, be open to further your education through courses and certifications. Even if you don’t want to get a degree, the job you want may require or recommend that you know some new information. Get ready to learn!

Where to find jobs that pay well without a degree

Where should you look for new jobs? Start off with job boards like Indeed and see what’s available. If you feel that you’ve exhausted those options, try great networking tips through LinkedIn, or talking to acquaintances and friends about opportunities.

Remember to update your resume and try to make new friends and connections that could open doors for you with a new job. But always be genuine and helpful!

Are you a working mom looking for flexibility? We’ve got you covered too!

Interview tips to get jobs that pay well without a degree

Go to the interview prepared. Pick out a professional outfit you feel confident in. Practice answering questions, and be sure to have your resume as updated and impressive as possible.

Making a good first impression isn’t all that matters. Remember to take time after the interview to make notes, and it doesn’t hurt to send a thank you email, either.

Have a plan for your income

Hopefully, finding a career in a new field that you enjoy will also come with a salary increase. (Especially if you choose one of the high-paying jobs we’ve mentioned in our list.) And you should be prepared with a financial plan for your increased income.

Be sure you have a budget and don’t spend all the extra you earn. Instead, find ways to save and invest the money you don’t need for expenses, so you can make the most of this financial opportunity.

How can I make $100,000 a year without a college degree?

While a number of the jobs listed here are under $100,000, there are opportunities to earn $100,000 a year without a degree. One of the best ways is to start your own business where there’s ample room to grow, though this takes time.

What is the highest paying career without a degree?

One of the highest paying jobs without a degree is air traffic controller, which pays a median salary of $129,750. Electricians, mechanics and technicians (healthcare, automative) are also highly paid job roles that you can explore.

What jobs make 6 figures without a degree?

Examples of jobs that make 6 figures without a degree include becoming a commercial pilot or entrepreneur. Electricians, mechanics and medical technicians can also earn 6 figures.

In tech-related fields, for example, some companies may hire people with no degree who have hands-on experience with specific software. Keep in mind that while there are careers where you can earn 6 figures without a degree, that doesn’t mean zero training is required.

There are great jobs that pay well without a degree!

A college education isn’t essential as long as you’re in the right field. The highest paying jobs without a degree may be at your fingertips. Plus, without student loans dragging you down, you’ll be able to start earning big right away.

That will make it so much easier to create a solid financial plan for the life you want. All you’ll need to worry about when you get hired is writing the perfect self-assessment for your annual review!

All the jobs mentioned here are the highest paying jobs without a degree. Still, keep in mind that building wealth has less to do with earning six figures and more to do with how you manage and plan what you earn!

For more advice about handling your money, check out our free courses.

The post 28 Best Jobs That Pay Well Without A Degree appeared first on Clever Girl Finance.

College is not the only road toward success. When you’re looking for a way to make it, there are many options from which to choose. That said, 6-figure jobs without college degree educations do exist if you want to jump right into the workforce. In the following guide, we will take a look at the best high-paying jobs without a degree or experience.

Finding high-paying jobs without a degree or experience is possible

With the high cost of higher education, it’s no wonder many young Americans are choosing not to go to college. If you are unsure about college, you could take on an apprenticeship, an internship or do on-the-job-training while you decide.

Alternatively, diving straight into the working world could give you a distinct advantage over the competition. What’s more, there are plenty of 6 figure jobs without a college degree out there. In fact, the world is your oyster. 

If you didn’t go to college (or plan not to), there are many careers you can pursue. Contrary to popular belief, this choice won’t stunt your ability to make a hefty salary. So let’s take a look at the highest paying jobs without a college degree and how you can get started with them. 

Managerial jobs

If you’re comfortable organizing and managing groups of people, there are some high paying 6 figure jobs without a college degree education calling your name.

For instance, here are two options to look into. 

1. Product manager

A product manager finds out what their customers truly want from a product, works out how that fits within their company, and then figures out what is needed and who to work with to make the product a win for the business.

A job like this requires an ability to work with many personalities and also an understanding of how people think when it comes to products.

Sure, you can become a product manager without a degree. However, it is smart to gain additional training if you want to break into this sector. You will play a key role in making sure that a business has the right products for its customer base. 

That means analyzing trends and also creating a strategy to launch products that will sell. It’s no easy feat, but it’s doable and can be very fulfilling.

To gain a job in this field, you may need to have business experience and expertise in the subject, for example, IT or consumer electronics. 

Average salary: $112,513

Skills needed to become a product manager: 

• Critical thinking 
• Organization 
• Business understanding
• UX knowledge 
• Communication 
• Collaboration 
• Subject expertise 
• Strategic mind 

2. Medical and health services manager

Interested in becoming a medical health services manager? While some businesses expect you to have a college degree, the requirements of each one vary.

You will be responsible for the hospital’s general, day-to-day operations. 

For instance, this can include everything from making schedules and hiring to creating budgets. A strong understanding of communication and also listening will take you far in this field.

If you don’t have a college education, you may be able to land this role by climbing the career ladder.

You can also get additional training. Undertaking a leadership program or online course will also help along the way. 

Average salary: $131,367

Skills needed to become a medical and health services manager: 

• Active listening 
• Collaboration 
• Communication 
• Care coordination 
• Financial management 
• Time management 
• Leadership

Commercial jobs

Want to work in the commercial sector? Luckily, numerous positions offer 6 figure jobs without college degree educations. So here are three options you may consider. 

3. Business owner

Have you ever dreamed about starting your own business? Believe it or not, you don’t need tons of money to create a startup. You may have a side hustle that you want to turn into a full-time job or have a creative vision for the next big thing. 

There are many ways to start a business and make big money, even if you need to find out how to start a business with no money at all!

Kick things off with the initial idea: how do you envision the business working? From there, you can start looking at making a business plan, gaining any funding you need, and also getting it off the ground. 

There are many businesses you can start, but some good ideas to begin with include becoming a freelance writer, starting an event planning company, creating an online store, and also starting a coaching business.

Average salary: $104,442

Skills needed to be a business owner: 

• Entrepreneurial spirit 
• Idea generation 
• Organization 
• Attention to detail
• Networking 
• Communication 
• Technical skills 
• Accounting 

4. Real estate agent

Can you imagine yourself working on Selling Sunset? If you’ve got the gift of gab, it’s worth looking at real estate jobs. Real estate agents help people to find a new home, or you might also sell commercial property.

You will have the chance to guide buyers through the process of purchasing a property.

For instance, that involves everything from showing them houses and apartments to fielding offers and liaising with the sellers. 

If you want to become a real estate agent, you will need to research the requirements in your state, take a course, and also gain a license.

In addition, the great thing about this type of job is that the hours are quite varied. You can create your own schedule, to an extent, if it fits with when your clients can meet with you.

Average salary: $96,382 (Up to $191,607)

Skills needed to become a real estate agent: 

• Charisma 
• People skills 
• Communication 
• Math 
• Organization 
• Time management 

5. Commercial pilot

A commercial pilot flies planes carrying cargo or people and makes sure the plane is working properly.

Did you know that commercial pilots don’t need a degree? General airline pilots do need a college education.

However, you can become a commercial pilot with only vocational training in accordance with federal regulations.  

To prepare for this elite role, you will have to attend weeks of both ground training and then flight training. It is likely to be a challenging but ultimately rewarding process. 

Average salary: $134,630

Skills needed to become a commercial pilot:

• Dexterity 
• Confidence (try these confidence building exercises!)
• Teamwork
• Communication 
• Math and physics 
• Spatial awareness

Technical jobs

If you are lucky enough to be tech-savvy, your earning potential is almost limitless for 6 figure jobs without college degree educations. Many of the high paying remote jobs without a degree or experience fall into this category.

So here are three options that you may want to try for yourself. 

6. Software engineer

According to Michigan Tech, software engineering is a type of computer science involved in maintenance, testing, development, and also design.

While you can enter this sector by going to college, 27% of software engineers don’t have a college degree.

That means using programming languages — such as Java or C++ — to create applications or websites. To get started, you will need to learn one of the most common programming languages. You can use that knowledge to gain your first job.

Another good thing that makes this one of the best, highest paying jobs without a college degree? You can freelance or also choose to work with a company, depending on your values and time commitments.

Average salary: $115, 097

Skills needed to be a software engineer:

• Analytical skills 
• Problem-solving 
• Research skills 
• Tech knowledge 
• Programming language knowledge 
• Troubleshooting 
• Written communication

7. Web developer

Web developers make websites and may write code, work on the user interface, or also manage a website. There is a lot of variety in what you can do, which can be a great way to have a creative and also fulfilling career.

It may surprise you that you don’t need a degree to work as a web developer. Much like the role of a software engineer, this position relies heavily on your technical skill set.

So if you’re looking for high paying jobs without a degree, it pays to look at this option. 

Once again, you will need to learn one of the most common programming languages to get a job in this sector. You can also get into this career by undertaking boot camps or taking an online course in one of the languages. 

Average salary: $77,030 (but can go up to $100,670)

Skills needed to become a web developer: 

• Technical knowledge
• Testing and debugging 
• UX and UI design 
• Troubleshooting 
• Problem-solving 
• Decision-making 
• Programming language knowledge 
• Front-end coding 

8. DevOps engineer (Development and operations engineer)

DevOps degrees don’t exist, and many of the professionals who work in this sector don’t have a degree. These professionals act as the middle-person between teams, so it’s important that they have top-level communication skills. 

As a DevOps Engineer, you will have a general understanding of IT programs and systems. You will work with agile principles to make sure that the team delivers quickly and also efficiently. To get started in this role, you should have IT experience and training. 

Average salary: $129,937

Skills needed to become a DevOps engineer:

• Tech-savvy mind
• Interpersonal skills 
• Communication skills 
• General IT knowledge 
• Coding 
• Infrastructure management 
• Collaboration

Expert tip: Develop your skills

So, how can you land one of these 6 figure jobs without a college degree? The answer is simple enough: invest in your independent education. Developing your money making skills gives you the opportunity to go after positions with high-level salaries and responsibilities. 

First up, consider which role you want to get. When you have it in mind, you can start creating an action plan to help you land it. It’s worth figuring out what education and also what experience you need to get the position. Do your research and start working toward it.

What jobs can you make 6 figures without a degree?

The top jobs that can make you 6 figures with a degree include being a commercial pilot and also a health services manager. Keep in mind these jobs will require certain certifications. Consider the skills that you already have and the sector in which you’d like to work. 

How can I make $100,000 a year without a college degree?

Looking into training courses and also apprenticeships is the way to go if you want to make $100,000 a year without a college degree. After all, gaining a college degree is by no means the only way to become successful and make a lot of money. Some vocations, such as web development, require you to have training rather than a degree. 

How to make $200k a year without college?

If you’re looking for a way to make $200k a year without college, you could learn how to start a business from scratch. The truth is that you don’t need a college degree to do this, and, in addition, you can dictate how much money you earn.

However, you do need to have a strong business mind, analytical skills, communication skills, and an idea to make it work. 

What is the highest paying job without going to college?

High-paying jobs you can get without going to college or having experience include jobs as areal estate agents and medical and health services managers. As we have covered, there are many six-figure jobs you don’t need a degree for. And you also have the ability to create your own job by starting a business!

Articles related to high-paying jobs without a degree or experience

If you enjoyed learning about these high paying career choices, you’ll love these related articles!

• 23 Best Jobs That Pay Well Without A Degree
• 15 High Income Skills Without A Degree Needed!
• The 15 Best Jobs For Moms With No Degree
• The Best High Paying Remote Jobs And Best Remote Job Sites

6 Figure jobs without college degree educations give you more options!

Should you choose not to go to college, you can still create a lucrative career you love. The truth is that there are many avenues you can look into for the highest paying jobs without a college degree.

So get started by considering the unique skills and talents that you bring to the table. 

If you can match your skill set to one of the above jobs, you can land a six-figure salary before you know it. And think of the great things that could do for your financial wellness, savings, and investing goals!

The post 8 Of The Best 6 Figure Jobs Without A College Degree appeared first on Clever Girl Finance.

As a couple, it’s essential to spend quality time together. It can strengthen your relationship and improve communication. Perhaps you’re craving some fun stay at-home date night ideas but need them to be budget-friendly as you work on your financial goals. Well, check out these fabulous, inexpensive ideas!

43 Fun at-home date night ideas to try with your partner

It can be challenging to stick with a budget while dating because the average date night costs a whopping $159—ouch!

However, you can have a fabulous date night even on a budget – just try out any of these great solutions. Use them for an anniversary or just a fun date night with no special occasion. Let’s go!

1. Plan a board game night

You can double date or have an evening alone, playing some of your favorite board games or at-home challenge games. For example, you can break out your childhood favorites or try something new like creating memes or a drawing game.

A board game night is one of the best at-home date night ideas because it’s entertaining and budget savvy.

Need inspiration? Give these board and card games a try:

• Azul
• Watergate
• Pandemic
• Hive Pocket
• Splendor
• Exploding Kittens

2. Have a movie date night at home

One of the simplest yet romantic at-home date night ideas is a movie night or a series marathon. Even if you slashed cable to save money, you probably are subscribed to one of the popular streaming services such as Hulu, Netflix, or Roku.

You can binge-watch new television series or put on one of your favorite movies. You could also check out your local library for free DVD rentals or ask a friend if you could borrow some.

So, put on a good show or movie, pop some popcorn, and get to snuggling. If you can’t decide what to watch, work your way through this list:

• Romance – The Notebook, Ghost, Pearl Harbor
• Comedies – Pitch Perfect, What we do in the Shadows, Clue
• Marathons – Lord of the Rings, The Godfather, Harry Potter

3. Cook a meal together

Cooking a meal together is one of the most fun and romantic at-home date night ideas. Browse Pinterest for a new recipe, pick something from an old cookbook, watch a cooking show or use our list below for inspiration. You could also consider taking a virtual cooking class or just check out YouTube for cooking videos if you want.

Or how about creating your monthly meal plan and bulk cook together. Once your fabulous meal is done, set the table, light some candles, and sit down to enjoy the food. It will be like trying out a new restaurant!

Make date night extra special with these romantic meal suggestions:

• Beef Bourguignon
• Coq Au Vin
• Coquilles Saint-Jacques
• Lobster Thermidor
• Fillet Mignon
• Cheese Ravioli

4. Have a spa night

A spa date is one of the most relaxing and fun at-home date night ideas. Set the scene with tranquil music, scented candles, and slip into a comfy robe.

You can start with pedicures and move on to a nice massage. The date may even call for a nap afterward or early bedtime because you will be so relaxed.

Other at-home spa treatments to do together include:

• Face masks
• Steam facial
• Deep conditioning hair treatments
• Milk bath
• Soothing Eye Treatment
• Foot mask

5. Dance the night away

When was the last time you and your partner danced together? You don’t have to hit a dance club to cut a rug.

Dancing with your partner is not only fun; it increases your intimate connection because you are physically connecting.

Put on some good music, grab your partner, and dance away. You could also take online dance lessons or learn some new steps by watching YouTube videos.

These tunes are guaranteed to get you both moving at your next date night dance party:

• Kylie Minogue – Can’t Get You Out of My Head
• Madonna – Like a Prayer
• Lady Gaga – Bad Romance
• Bruno Mars – Just the Way You Are
• Taylor Swift – Love Story
• Prince – Raspberry Beret

6. Have a paint night

It doesn’t matter if you’re a natural-born Picasso or not because painting with your partner is wonderful. You can get paint supplies and canvases at stores such as Michael’s or Hobby Lobby on sale.

You can also check out sites like YouTube for free painting classes!

Of course, you could also opt for sites like Yaymaker and still spend only a little for your date night. Set up a paint station inside or outside and spend some quality time together while creating a fun painting.

7. Have a fondue party

A fondue party is one of the most delicious at-home date night ideas you will have. Fondue cooking is when the heat source is placed directly below the pot to melt the foods to dip into.

You can pick up an inexpensive fondue pot for between $40-$60+ on Amazon. So, grab some yummy cheeses or chocolate to melt and get dipping the following foods for a romantic date night.

Chocolate fondue:

• Fruit
• Bacon (trust us!)
• Donuts
• Almonds
• Gummy bears
• Marshmallows

Cheese fondue:

• Bread
• Apple
• Roasted potatoes
• Shrimp
• Cured meats
• Pasta

8. Camp out in the backyard or the living room

Depending on the season, you can have a fantastic camping trip right in your backyard. If you’re not in the mood to camp outdoors, you can camp out in your living room.

You may have an air mattress or pull out a bed and set up a big fluffy spot in the living room to camp out in comfort.

9. Have a bonfire

A romantic way to cozy up to your partner is a warm bonfire in the backyard or inside next to your fireplace. You can pair it with a good book and read to each other or enjoy some pleasant conversation.

Grab some graham crackers, chocolate, and marshmallows and make some yummy s’mores for one of the best at-home date nights you’ll ever have.

10. Have a cheese & wine party

A wine and cheese party is among the most popular at-home date night ideas. You can get a cheese sampler from the store or cut up some of your favorite cheeses and make your own platter to save even more money.

Pair your cheese with a delectable bottle of wine. You can buy a couple of bottles of wine and even have your own wine tasting party.

11. Look through old pictures

It’s so much fun looking at old pictures of your time together. You can also break out your old family pictures and share stories of your childhood you may not have remembered before.

Take a walk down memory lane together on your next date night.

12. Do a craft together for a date night at home

The most fun date ideas offer a chance for you to connect and do something unique and memorable together. There are a million DIY project ideas on Pinterest to choose from (see our pick of favorites below).

Crafting has limitless possibilities for creative date night ideas at home to do with your partner. Plus, you can also find cheap craft supplies at stores like the Dollar Store.

Here are some cute couple craft ideas to try on your next at-home date night:

• Painting pottery
• String art
• Sketching
• Make candles
• Frame memories
• Create a wine cork board

13. Make a bucket list together

You don’t have to wait until you retire to start your bucket list.

Making a bucket list together can be exhilarating because you’re planning on the fun part of your future. You can plan on starting a vacation fund to achieve it.

Make it even more fun by making a bucket list vision board. Take pictures of all the places and things you want to do and put them on a board so you can see them daily.

Not only do you have a good time making the vision board, but it will also motivate you to start saving towards your bucket list! Here are a few suggestions to start your list off:

• Stargaze and camp in a tent
• A couples massage
• Plan a road trip
• Sing a karaoke duet
• Volunteer together
• Climb a mountain

14. Cuddle to your favorite tunes

Sometimes you just need a good cuddle session with your partner. Did you know that cuddling is also healthy for you and your spouse? It’s true!

Cuddling releases a hormone called “Oxytocin, ” also known as the “love hormone.” So, slip into some comfy clothes, light candles, put on your favorite tunes, and enjoy cherished cuddle time with your spouse.

15. Bake a dessert together

As if you needed another reason to bake a delicious dessert. It’s one of the best date night ideas that is romantic and yummy.

You can whip up your favorite dessert or try making something new. Get a savory dessert recipe from Pinterest or from your favorite dessert blog, or give our tasty dessert ideas a go and enjoy the sweet treat.

• Meringue hearts
• Crème Brulee
• Poached pears
• Chocolate mousse
• Cherry cheesecake
• Champagne jelly

16. Color or draw for your date night at home

Break out the ol’ Crayola crayons and have a fun coloring session together. You can choose classic coloring books to bring out your childish side or get an adult coloring book.

You can even learn how to draw together thanks to tons of videos on YouTube.

Make the evening even more enjoyable by adding some tasty appetizers and opening a bottle of your favorite wine.

17. Take a bubble bath together

Add some bubbly romance to your date night and take a soothing bubble bath together. Intimacy is also an essential part of your relationship. Follow our top tips to make bath time extra special.

• Make sure your bathroom is sparkling clean
• Choose a time when you will be uninterrupted
• Add rose petals to the bath water
• Use bath salts and bubbles together

So, light some candles, put on some soothing music, and enjoy.

18. Have a yoga session

What is another fun but healthy date idea? Roll out the yoga mats and have a sensual yoga session together.

You can find a video on YouTube or find yoga workouts online. You get in your daily exercise while having a fun date night too. Plus, yoga has been proven to improve communication and increase trust.

The best couple’s yoga poses to include in your routine are:

• Double Dancer Pose
• Double Boat Pose
• Standing Forward Fold Pose
• Double Camel Pose
• Childs Pose and Backbend
• Seated Wide-Legged Forward Fold

19. Plant a herb garden

One of the most therapeutic at-home date night ideas is to plant a herb garden. Indoor herb gardens are becoming quite popular, and you can grow herbs such as basil, oregano, mint, and more inside your kitchen.

Not only will you have a quality date night, but you will also have a beautiful garden to remember your special evening together. Plus, you will have fresh herbs for your home-made dinners!

20. Gaze at the stars

Stargazing is mesmerizing and romantic, so it’s one of the best at-home date nights you can have.

You don’t have to have a telescope to enjoy the sparkling beauty of the night sky together. Get a blanket, sleeping bags, or comfy lawn chairs and a tent and gaze at the shimmering stars.

Other stargazing activities must-try activities are:

• Enjoying a picnic date
• Dancing under the stars
• Naming a star together

21. Make home-made wine or beer

What’s one of the most unique and fun date night ideas at home to try? Make your wine or beer and drink it too!

Making your own wine or beer is a blast; you don’t need to go to an expensive vineyard. Rather than going to a brewery, you can create your own homebrew on your next date night.

Here’s how to brew your own beer:

1. To make beer, get your brewing equipment ready (fermenting bucket, tap, airlock, long stirrer, caps, cleaning items)
2. Brew your grains
3. Ferment (typically for two weeks)
4. Bottle

To make wine:

1. Prepare your fruit
2. Add yeast
3. Ferment for between seven to 14 days
4. Change container
5. Ferment for a further four weeks to six months
6. Taste

22. Play a drinking game

Head back to your glory days of college and play a drinking game together. Think beer pong, drunk Jenga, or never have I ever.

Be sure to eat with this idea because the drinks may sneak up on you while you’re playing.

Other fun drinking games for couples to try are:

• Truth or dare
• Jenga
• Most Likely To
• Charades
• Russian Roulette
• Spin the Bottle

23. Have a theme night

So this sounds like one of the most fun at-home date night ideas to have. A theme night is where you pick something and surround your entire date night with it.

For instance, if you have an Italian theme you eat Italian food like pizza or pasta, listen to Italian music, etc. It will add fun and culture to your next date night!

For inspiration, consider your favorite dates of the past, or places you’d like to visit. Or work your way through our list of ideas below!

• Pick a letter of the alphabet and only have food, drink and games that begin with that letter.
• Choose a color to base your date night on
• Use your favorite film for a fun date night theme

24. Reminisce about the night you met

Remember how your stomach had butterflies on your first date or the first time you met? Reminisce about the first night you met and spark up those flames again.

It’s fun, too, because your spouse may remember things you don’t and vice versa! It makes for great conversation, laughter, and good memories!

25. Make a photo album or scrapbook

How many boxes of pictures are stuffed away in the closet? Have a fun date night making a photo album or scrapbook and putting all your beloved memories in it.

Include special moments that you’ve shared together, such as:

• How you celebrated anniversaries
• Love letters you’ve given each other
• Tickets for events that you’ve been to together and TV shows you love watching as a couple
• Include your favorite text messages to each other
• Add selfies
• Document your love story via a visual timeline

It’s a beautiful way to reminisce while doing something productive!

26. Watch home videos for a date night at home

How long has it been since you watched your wedding video or a treasured vacation you took together?

Make an appetizer, grab a glass of wine, and cuddle as you watch your old memories. It’s one of the most sentimental and fun date night ideas at home you can do.

Want to make this date night at home extra special? Use a projector to watch your home videos to create a romantic ambience.

27. Make a zen garden

Why not make something you can enjoy on future date nights? A zen garden can be a quaint space in your backyard or front yard for some quality time.

Here are some simple ways to create the perfect space outside:

• Use stepping stones to create a path
• Add a water feature and place pebbles around it
• Make an archway to create a beautiful focus point
• Include plants of different shades and textures
• Design a comfortable area to sit and relax
• Use sand for a relaxing and calming vibe

You can also make a mini indoor zen garden to enjoy inside.

28. Learn a new language

Learning a new language one can be the perfect date and lead to more fun date nights together. You can learn from apps such as Duolingo or Memrise.

Also, make it entertaining by talking to each other randomly and make it your new love language.

Some of the most romantic and exciting languages to learn are:

• French
• Portuguese
• Romanian
• Italian
• Latin
• Japanese

29. Redecorate a room

Have you meant to switch up your decor but feel like you need more time? You can make it a fun date night idea and redecorate a room together.

Let’s start with your bedroom and make it more zen or romantic for future date nights.

Design a room together like professionals by following these steps:

1. Set a budget
2. Design a mood board
3. Plan the layout of your room
4. Choose your furniture
5. Select paint colors or wallpaper design
6. Add your personality

30. Paint each other’s faces

Painting each other’s faces is one of the more unique and fun date night ideas at home to try-it’s not just for kids!

You can get face painting kits without spending too much money and have an epic date night.

Start with simple ideas like the ones below, then try a more challenging design.

• Fireworks
• Skull
• Flowers
• Tiger
• Avengers
• Zombie

31. Take a virtual class

Is there something you both have wanted to learn but have yet to take the time or need more money? If so, you can trial free online exercise classes!

YouTube is another great option for virtual learning; you can also find some inexpensive classes online. Here are some exciting ideas to try:

• Cooking classes
• Virtual yoga class
• Mixology lessons
• Art classes
• Museum tours
• Animal cams

Or what about one of our 30+ completely free finance courses?

32. Go for a bicycle ride or walk

Get some fresh air and spend quality time together as you ride bikes around your neighborhood or find nearby trails. Or you can go for a relaxing walk while holding hands because the simple things mean the most.

If you love a challenge with your partner, find a place to hike in your area. Also, remember water bottles and snacks for the road!

33. Have a treasure hunt

Pick random items and hide them for an ultimate treasure hunt. Use clues like “It gets people to places they need to be” to make it enjoyable.

Items that are fun to hide and find include:

• Laundry
• Art
• Pillow
• Photo
• Cutlery
• Stationery

Also, leave clues and do this outdoors or inside to make it more interesting. It’s one of the most fun stay at home date ideas that will make you feel like a big kid!

34. Make a date night at home jar

One of the most awesome at-home date night ideas is to make a date night at home jar! You can decorate a mason jar or container, then write down all these fabulous fun date night ideas at home and put them in the pot.

Each week you will draw out a note with your date night idea.

It’s such a fantastic activity because you won’t have to waste time deciding what to do each week!

35. Get a dollar menu dinner

So, if you don’t feel like cooking but are trying to stick with your budget, have a dollar menu take-out dinner!

You can get a sack full of yummy burgers or mix and match them for a budget-friendly dinner to go.

These popular fast food restaurants all offer $1 items on their menu:

• Taco Bell
• Burger King
• Wendy’s
• McDonald’s
• Del Taco
• Dunkin

36. Declutter together

You can have a fun date night and be productive too! Maybe you’ve been meaning to declutter your home but haven’t taken the time to do it.

You can turn your date night into a decluttering challenge and tidy your home while spending time together. Plus, you can make plans to sell your stuff for extra cash!

37. Plan your joint financial goals

How about some financial intimacy? Since you’re trying to stay on a budget, you can also use your date night to plan your financial goals.

You can plan for short-term, mid-term, and long-term goals together. For instance, you may want to save for a house or start a couple’s side hustle.

Above all, having financial goals can help you visualize and achieve them faster.

Six powerful financial goals for couples are:

• Talk about money openly as a couple – this one is super important!
• Make a realistic budget
• Track spending regularly
• Make a plan for getting out of debt
• Cut spending
• Save for your future

38. Play video games

For a unique date that’s a lot of fun, playing video games is one of the most budget-friendly and fun stay at home date ideas.

Video games can improve your communication and teach you how to problem solve together. It’s also a great way to relax and have fun!

Play the following popular video games for couples together:

• It Takes Two
• Spiritfarer
• Heave-Ho!
• Mario Party Superstars
• Overcooked
• Minecraft

So, break out those vintage video games or newer game systems if that’s more your speed, and have an epic evening of playing games.

39. Make your favorite cocktails

You could combine this idea with your movie date night at home! Mix up your favorite drinks or try a new creation and sip the night away while you enjoy your movie marathon.

Also, it’s much cheaper to make your drinks at home.

The following romantic cocktail ideas are also a great way to set the mood for your date night:

• Aperol Sour
• Ti Amo
• Strawberry Cobbler Martini
• Cupid’s Kiss
• Sweetheart Margarita
• By the Fire

40. Make an indoor picnic

Making an indoor picnic is one of our favorite stay at home date ideas.

Start by making some delicious snacks and sandwiches to eat (put them in a picnic basket if you have one). Top picnic foods for your date include:

• Charcuterie board
• Chocolates
• Fruit kebabs
• Marshmallows
• Nuts
• Olives
• Popcorn
• Cheese and crackers
• Sushi

Spread out a comfy blanket in the living room and set up an area to have your indoor picnic.

Remember the champagne!

41. Put together a puzzle

Grab an old puzzle or get one from the store for a cosy night in. Spend the evening chatting as you put the puzzle together.

Choose a puzzle that you will both enjoy, and you’ll both find it extremely satisfying to complete together. Or why not design your own? Photo puzzles are extra unique and will allow you to recreate a memory on your next date night.

Make it a romantic date night idea by adding to the ambience with candles and music.

42. Plan an at-home mystery game or escape room

If you like a good riddle, then you’ll love doing an at-home escape room or mystery game. It’s one of the most unique date night ideas that is also totally budget friendly.

You can host a mystery game night for your friends, or if you prefer, buy an escape room kit for an unforgettable date for just the two of you.

43. Go roller skating

For the adventurous couple, it’s time to grab your roller skates and head outside for an old-school date night idea.

Mix it up by skating in different places such as:

• An empty car park
• Around the city
• Cycle paths
• Skate parks

No matter your skating skill level, you’ll still have a great time together!

Expert tip: Remove all distraction

When you’re at home, it’s easy to get distracted. The dishwasher may need emptying or the dog wants walking.

But it’s vital to be in the moment with your partner on date night for the entire evening so you can focus on your relationship.

Turn off all technology, including your phones and the TV. If a pile of laundry needs putting away, move it to another room during date night. Arrange with a neighbor or friend to have your pet or children for a few hours.

These simple changes can help you have the best date night possible, strengthening your relationship and leaving you both feeling happy and satisfied.

How can I make my date night extra special?

Date nights don’t happen every week, so when you find the time for one you want it to be extra. That said, there are lots of ways that you can go the extra mile for date night. Here are our top three:

1. Dress up

Remember the early days when you made an effort with your appearance? Not only does wearing something you feel good in do wonders for your confidence, but it also helps keep attraction and spark in a relationship.

2. Make it a surprise

Taking the initiative to organize date night without your partner knowing will make them feel very loved. Arrange the babysitter and let your other half know when they need to be ready.

3. Keep household chores and children talk to a minimum

It’s easy for couples to fall into the trap of talking about everyday things during date night. Instead, try discussing your future plans and goals such as where you want to go on vacation next or even future date night ideas!

What are the top things to do on a stay home date night?

Staying in is just as much fun, if not more so, than going out. It’s the perfect option if you’re on a budget or don’t feel like blowing lots of cash at an expensive restaurant.

However there are so many things you can do too. You’ll always have inspiration. Here are just a few of our favorite stay at-home date night ideas:

• Play board games
• Do a DIY project or craft
• At home spa session
• Mix some tasty cocktails
• Take a virtual class together
• Enjoy an indoor picnic
• Dance the night away
• Share a bubble bath
• Plan your future
• Do a puzzle

How can I make my living room romantic for a date night?

When it comes to making your living room romantic, the right ambience can transform your next date night from average to extra special.

However, you don’t need to spend hours of your time or lots of money to achieve the right feel either. Follow our tips below for a romantic, calming and intimate environment.

• Arrange some fresh flowers in the centre of the room.
• Bring several throws, pillows and blankets down from the bedroom.
• Light a cozy fire or place many candles around the room (LED ones work well, too!).
• Turn off bright ceiling lights and use lamps or candlelight to see.
• Most importantly, ensure the room is clean and tidy for date night.

What should I wear on my at-home date night?

Ultimately, you want to wear something that you feel good in for your at-home date night!

It could be a skirt and heels or your favorite jeans and a blouse. But just because you’re not stepping outside your front door doesn’t mean you can’t wear a new top or dress. Maxi dresses are comfortable and stylish, making them a perfect choice of clothing for a romantic at home dinner date.

Also remember to dress appropriately for your at-home date night activity too. If you’re painting or getting crafty, you might want to swap the dress for a t-shirt and joggers. The most important part of date night is spending time together, not necessarily what you wear.

Why you should put your at-home date nights on your calendar

Now you have a ton of fun stay at-home date night ideas. However, you need to dedicate a specific night to spend together. Why?

Because we all tend to get so caught up with our busy schedules before we know it, the week or month is gone! This is especially true if you have children.

So, pick a night every week that you have your date night on. Whether it’s Wednesdays or Sundays, it doesn’t matter. Just set aside time on your schedule to ensure you are making time for the important things, like each other! 

Plan to try these fun at home date night ideas with your partner!

Our epic list of at home date night ideas shows that couples on a budget can have fun date nights without spending a bundle of money.

You can stay on course to achieve financial success together while spending quality time together. Try a couple or all of the ideas on this date night at home list.

You’ll build an amazing relationship and save some money while you are at it! P.S. Be sure to also check out these fun family night ideas for the whole family!

The post 43 At-Home Date Night Ideas For Couples On A Budget appeared first on Clever Girl Finance.

If you’re ready to leave a relationship but are staying because you have no money, it can put you in a pretty bad situation. Living unhappily or feeling trapped doesn’t do anyone any good and can have many negative effects. It’s important to know when to leave a relationship and not to feel like you don’t have options when it’s time to go.

How do you know when it’s time to leave a relationship? 6 Signs

Putting money aside, let’s look at the signs of how to know when to leave a relationship. Don’t let money drive your decisions – there are ways to leave a relationship with no money (more on this below). For now, let’s look at the signs you should leave and worry about money later.

It may be time for leaving a toxic relationship if you’ve made every effort to improve your situation (perhaps even with external support such as therapy or a mediator), but you still feel the following:

1. Feeling more pain than joy

If you find yourself constantly upset or angry in your relationship, you may be experiencing more pain than joy. You may be guilty of letting the few happy moments cover up ‘the bad’ thus forcing you to stay in the relationship.

Instead, be honest and practice listening to yourself. Look at your emotions overall, not just in the few happy moments that may be few and far between. If you find that you’re in pain more than you’re happy, it’s time to leave.

2. Your partner wants you to change

Your partner should love you for who you are, whatever that means today. Even if you’ve changed through the years, you both promised each other – for better or for worse. You didn’t promise to stay exactly the same.

If you’ve changed and they don’t like it, or you haven’t changed, and they want you to – they aren’t in love with you for who you are, and it could be time to leave.

3. You expect your partner to change

If you’ve given your partner an ultimatum or you spend your time wishing they would change their behavior, it may be time to leave your relationship. Just as you should be loved the way you are, the same is true of your partner.

You aren’t in love with someone if you want them to change so you can like them. It may be that you are in the relationship for the wrong reasons, and it’s time to move on.

4. Experiencing physical or emotional hurt

Pay close attention to how your loved one treats you. Abusive relationships and/or physical pain is an obvious ‘no go’ and a reason to leave a relationship right away, but emotional hurt can be harder to detect.

Assess how you feel on a regular basis. Are you always justifying yourself or justifying the way your loved one makes you feel?

If so, there may be some emotional damage that you shouldn’t have to deal with, and you may be better off on your own. The last thing you want is not to have a feeling of security in a relationship.

5. You are the only one putting in effort

Relationships work two ways, but it may not be worth it if you are the only one working on the relationship. Relationship communication problems can be a very big issue.

You can’t pour from an empty cup, which will happen if you keep giving the relationship your all while your partner sits back and takes the easy road. Eventually, you will burn out and won’t be able to carry the relationship or yourself any longer.

6. Feeling held back

We all ebb and flow in life, but often in different stages. If you’ve grown, your beliefs changed, or you’ve otherwise changed your life, but your partner didn’t follow suit or doesn’t have the same beliefs, it may be time to leave, so you can feel free to grow as you want and your partner can do the same.

How to leave a relationship when you have no money (8 ways)

It may feel impossible to leave a relationship when you have no money, but if you get creative, there are ways. Here are eight ideas to help you with when to leave a relationship.

1. Find a job or start a side hustle

Now is the time to dust off your resume and find a job. You may need to start by explaining gaps in employment.

Keep it brief (e.g. you took time off to have children or took a year off for personal reasons). And instead, focus on your competency to do the job.

You may also need to acquire new skills or certifications. You can explore free and low-cost options on platforms like Skillshare and also Udemy. 

If you decide to start a business, think about what you’re good at, and chances are you can try starting a side hustle. Whether you’re crafty, can write, can do voice-overs, or can walk dogs, there are side hustles for people of all skill levels today.

You can then save the money you earn to help you exit the relationship.

If you don’t have the time to work full-time, also consider a part-time job to get the money you need. Even 20 hours or so a week can help you put money in a savings account and increase your financial stability.

2. Sell items you don’t need

If you’re going out on your own, you may not need as much ‘stuff.’ Look around the house (at what’s yours) and sell what you no longer need.

You’ll likely be downsizing, so only save the items you really want/need and sell the rest for cash on a site like Facebook Marketplace.

3. Set a budget and organize your finances

Create a budget you can live on. Be realistic with yourself. Budget for the necessities first (shelter, transportation, medical care, and food), and then budget for the other items to know exactly how much you have.

It may be tight for a while, but the more aware you are and the more frugal living tips you use, the better.

Be sure you have opened bank accounts in your name and have a debit and credit card in your name as well. Start learning how to save and invest so you can create a security buffer for yourself.

Also, ensure that any money you earn goes directly to your separate account and not a joint account. At this time, it’s essential to keep your money separate from your partner’s.

In addition, make sure that any bank statements or paperwork you receive is in your own name and is delivered directly to you when you’re thinking about when to leave a relationship.

4. Use coupons and shop sales

Don’t go to the grocery store without a plan and a list. First, shop your refrigerator and pantry.

See what you already have and what meals you can make out of it—only shop sales for the items you need and use the best coupon websites as much as possible. Also consider store brand or generic brands vs. big brand names to save more money while you grocery shop.

5. Trade services with friends or family

If you have kids, trade babysitting services. If you are good at cooking and your friend’s husband is great at cutting lawns, swap chores.

This way, neither of you has to pay for services, and you help one another out. This can help you put more money aside to leave your relationship.

6. Ask family for help

If you live near family, ask them to be part of your support system. While it’s hard to ask for help, especially when people let you down, it’s not a sign of weakness. Most family members will be willing to help you if you ask. If you feel comfortable, you can also share with them what’s going on with your relationship.