10 Side Jobs to Make money & Help Pay Off Debt

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There are times when we have to realize that our paychecks will only go so far. After penny pinching to make you budget work, you still might be living paycheck-to-paycheck. This type of lifestyle is bearable for a time but not ideal long-term. In order to accelerate your financial goals, additional income may be the resolution you need. But who has extra time? My response to those who approach me with such an inquiry is to ask them about their daily activities. If you missed one episode of your favorite show or had lunch at your desk twice a week instead of out with friends, could you commit 1-2hours/ week to get financial free? Let’s do it!

Seasonal Retail Jobs – Pet Sitter/Dog Walker

These two are self explanatory! My suggestion, sell where you shop and watch the animals you like best (cats vs dogs). You can even search for positions online!~

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Home Health Aide

This position can also be called a Patient Care Technician an often require no training or experience. What is the ideal person great for this job? If you are looking for a flexible schedule and are patient enough to assist the elderly and/or disabled with everyday tasks, you can make this position work for you! There are a variety of companies that often post for these jobs and rightfully so! Many people who get these jobs, because they do not require training or experience, are not necessarily interested in working in this field long term…and their attitude on the job shows it! Get your attitude and patience in order, make sure you can lift a small person, and keep your personal vehicle serviced in order to pull off this type of employment.

Referral Programs

Companies such as Ebate, Liberty Tax, and ADT Security Systems offer programs you can join for no/low cost in order to make some extra money. They actually pay you promote their services with fairly easy to use tools and instructions. That means, you’d take the time to sign up and discuss what they have to offer to a potential customer – a neighbor who just suffered from a break in, has collectibles in their home to sell, or recently divorced without a clue on how to file their income taxes. There are other services that although you may use them for discount shopping, travel, or managing your health, if you were to refer 5 other customers you’d get your own service for free each month. This could provide you with automatic savings monthly which can add up very quickly.


You do not have to me a Math whiz or finance major to make some extra money as a tutor. We have to thinking of entrepreneurship as a way to help others do what you know how to do naturally. Tutoring is a good example of that. Are you bilingual? Are you aware of the many organizations looking for YOU? At times companies exclude other required skills like a degree and experience in order to hire someone with the language skills their industry requires. Offer tutoring first through your contacts in your industry or even businesses you frequent in order to build a great resume for tutoring. Not sure of how to get started? I obtained an English degree because I thought I’d be teaching high school English in the Chicago Public School system. Obviously my plans changed but I continue to offer my proofreading, editing, blogging, and content management services as a consultant.

Home-Based Business

There are many options for home-based businesses to choose from. My advice would be to look into possible opportunities that come natural to you. Are you into making other women feel beautiful? Research Direct Sales companies such as Avon and Mary Kay. You can often get started for under $50 without requiring you to purchase equipment or stock. Are you a coffee lover who’s health conscious? Do you have a network of business owners and entrepreneurs? Are you looking to lose weight? Want to offer an innovative way for your church to keep in touch with contacts? Do you enjoy traveling and saving money while you shop your favorite stores? Believe it or not, you can promote all of the above products and services under one company! Join my team for my consistent support, training, and the possibility of residual income.

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Virtual Assistance

Although I’ve dabbled in virtual assistance, I did not know there was an actual term for it! These skills are for those who have a knack for customer service, email management, document management, organization, and the typical office duties of almost any company. I would suggest offer to ‘help’ and organization with an upcoming project and set an hourly rate that you would expect to work on the project with a projected end date for the client’s needs. This could be arranged based on your financial needs or the requirements of the project in question. You can then ask the client to be a reference and continue to build on your resume. This make cost you extra time on the phone, the need for a home office, or additional an additional data plan for your smart phone.

Virtual Garage Sales

Ebay has an interesting option for those seeking to get rid of the clutter in their home. Of course, their system is proven and shipping is attached to the entire process which makes it easier than ever to sale items online. There is no need to necessarily ‘market’ your product. Instead, just posting a picture detailed description can be enough for a customer. Another avenue is to join local Mommy groups on facebook where Moms trade, sell, and purchase items all the time. Some groups are sponsored by a local hospital, medical center, social service agency, church, or nonprofit. There have been times when a co-worker of mine was selling an item I was interested in for my daughter and the only way I knew was from her post online! We do not always have time to discuss everything we need or everything we have with everyone around us – this is where these groups are extremely helpful.

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Etsy & Flea Market/Community Farmer’s Market

If you have a skill for making things that other people could or just find completely enjoyable, this option is one for you! Although many crafty people I know attend Flea Markets, they lack an online presence. Etsy is another option for posting and sharing your products and many customers are already waiting to buy crafts and unique gifts. This is also good for people who are not so social media savvy to get a full website together. It is also a great way to involve family and friends who are not local but still want to support your business – just send out the link to your Etsy page!

Well there you have it! My top 10 side jobs to make money & help pay off debt. Let me know if you pursue any of the above. I’d like to get your feedback at ladiSims55[at]gmail.com to celebrate with you as you pursue your financial goals!

~be blessed

Let me know how I can improve your world~


Getting Real

I had an amazing post for all of our readers today. It was going to be well researched and have a pithy, personal anecdote. I was so excited about it, but my conference call ran long and my lunch break didn’t happen. Plus I have another meeting before I run to my children’s school.

Today folks, I just plain ran out of time.

Peace, Love & Being Real,


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Enjoying the Mundane

My day starts and ends in what I call the mad dash. We run out the door and then skid into home plate in the evening. It isn’t much fun. I hate rushing the boys. There it is again; Mommy Guilt!

Bed time storyI enjoy the fun moments where we can be carefree and do whatever we want. My favorite times are when H and I can cuddle and read a book or when Baby C2 and I can laugh and giggle. I enjoy dinner with my whole family and playtime in the playroom where Baby C2 gets tummy time and H can play with his train or match box cars and use his whole imagination.

Sadly, during the week those precious moments are difficult to find. So I steal them by trying to read a book to H before we head to school. I get up a little early and talk to Baby C2 after he nurses and before I have to get him dressed. I try to make dinner the night before so that when we get home we have more time to play.

When we are hurried and the drudgery of daily living has to be done, I try to remember it isn’t a bad thing for the boys to participate. Heck, life isn’t always magical butterflies and getting our own way, but that doesn’t mean it can’t be fun and that you can’t do it together. Some of the ways we try to include the boys in life’s mundane moments are:

1. Making Dinner – H and Baby C2 help us make dinner. They sit with and we sing silly songs while we have them put carrots in the grinder, help us mix up different items, spread sauces or even form meatballs or biscuits etc… Toddlers love to help and babies love to watch. It might take a little longer and not look as pretty, but they are super proud when they get to participate in grown up stuff.

2. The Mad Dash Rush Game – When we are running late and I need H to hurry I put him on my hip and we run around getting him ready and putting stuff in the car while we sing “We are late! We are late for a very important date. No time to say hello, goodbye we’re late, we’re late we’re late.”

3. DoingLaundry – If I only had the excitement for laundry that H has. He loves helping me put it in the dryer and even will put it away if I tell him what drawer to put it in. It is super cute and we get to spend some time together.

4. Cleaning Up – It is important to teach everyone that cleanup has to happen. When H spills something he helps wipe it up. If he gets the toys out, he helps put them away.

5. Taking Out the Trash – H loves to bring in the large trash bins with Andy and Baby C2 loves going along for the ride and some fresh air.

6. Feeding the Dogs – It is a big responsibility to feed animals, but it is something that we always have H help with in the evenings. He enjoys the responsibility.

7. Going to the Grocery Store – We do this as a family every weekend. Baby C2 rides in the cart and H rides in the big section or in a separate car cart and we go around the store getting groceries together.

It is hard to remember sometimes that everything doesn’t always have to be glitter, sparkles and new. Kids just want to be included. I have to remind myself of this often and the bigger reminder is that when given the opportunity to play uninhibited H goes to the store, feeds the dogs, and rides in the truck with Daddy. His imaginary play takes the same form as what I consider the mundane.

Peace, Love and Enjoying the Mundane,


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