Making Sense of Cents
My name is Michelle and I just finished living in an RV and touring North America. Now, I am living on a sailboat, SV Paradise. We sold our house several years ago, and have been traveling full-time ever since!
I am a young adult who graduated from an expensive private university in May of 2010 with a lot of student loan debt. I graduated from college after 2.5 years with two undergraduate business degrees, honors, and around $20,000 worth of student loan debt.
Do you have money tasks that you need to do but you keep putting off? Today’s financial to-do list will put you back on track so you can start checking things off your list.... more
Do you have money tasks that you need to do but you keep putting off? Today’s financial to-do list will put you back on track so you can start checking things off your list.
Managing your whole life, especially your financial life, can be difficult.
There are so many things to remember and so many things you’ve said you’ll get to – I know I’ve been there.
If you’re like many people, you either procrastinate or you simply can’t find the time to squeeze everything in. If this is you, then this financial to-do list checklist will help you make the time to get stuff done!
The purpose of this to-do list is to help you take control of your financial life. The items on this list will help you save more money, plan for the future, budget, protect your family, pay off debt, and more.
I believe that everyone should have a financial to-do list, and if you’ve never made one, today’s article will give you an idea of what should be on yours.
Now, you definitely do not have to do everything on this to-do list, but this list will give you ideas and motivation for making and tackling your list. You may also find some things you would normally forget about or overlook.
After reading through this article, you will be prepared to start checking things off your list!
Your 2023 financial to-do list.
1. Create or update your budget
When was the last time you looked at your budget? This is a great thing to put at the top of your financial to-do list because it can have a positive impact on how you spend and save.
I recommend looking to see if you need to:
If you don’t have a budget or need help getting on track with yours, please read The Complete Budgeting Guide: How To Create A Budget That Works.
2. Sign up for your company’s 401(k) match
If your company offers a 401(k) match, then you should consider signing up for it.
A company or employer match is when your employer contributes to your 401(k), which is a type of retirement account that you get through an employer.
Because a 401(k) match is basically free money that will help you grow your retirement savings, this is one of the best things to have on your financial to-do list. I highly recommend taking advantage of your company’s match if you can!
A 401(k) allows you to invest a portion of your paycheck before taxes are taken out, and the amount in your 401(k) can grow tax free until you withdraw. Once you reach retirement and take money out of your 401(k), the amount you withdraw from this account is taxed.
Your 401(k) is an account that holds investments, similar to how your bank account holds your money. You may choose to place investments in your 401(k) such as in stocks, mutual funds, and more.
Each company offers its own kind of match. For example, an employer may match 100% of your contribution, up to 5% of your salary.
If you’re not signed up for your company’s 401(k), please contact your company’s human resources department to see what you need to do.
3. Get life insurance to protect your family
If you don’t have a life insurance policy yet, now is a good time to get one.
Life insurance is most likely an expense that you can afford. I did a quick search and I was able to find a $1,000,000 policy for 20 years, for less than $30 per month.
Life insurance is money for your family if you were to pass away. Whether you are the sole earner or if you do not have a job but others rely on you, life insurance is a necessity for most households and families.
You can use life insurance money to pay for funeral expenses, day-to-day bills, pay off debt (even if you are single, if your parents have cosigned on your debt such as student loans, life insurance is so important!), etc.
4. Get your free credit report
Reading through your credit report on a regular basis is important. The reason checking your credit report should be on your financial to-do list is because it will help you address debt issues and see if there is any fraud on your accounts.
You can receive one annual free credit report from the three main credit bureaus (Equifax, TransUnion, and Experian).
This means that you get one from each, so three per year. You can even space them out so you can get one credit report every four months.
You can learn more about this here.
You can also check your credit score with Credit Sesame for free.
5. Shop around for cheaper insurance
Unfortunately, it is likely that you are overpaying for insurance, and that’s why this one needs to be on your financial to-do list about once a year.
I recommend shopping around and comparing quotes for car and home insurance, as you may be able to save over $1,000 on each policy by simply shopping around.
In fact, not too long ago, a family member of mine was paying around $2,200 a year for car insurance, and when I found out, I simply could not believe it. I knew instantly that they were way overpaying for car insurance. I easily helped them find insurance with better coverage for just $600 a year. Yes, they were able to save around $1,600 in literally less than 30 minutes, and they were still with one of the top car insurance companies.
You can shop car insurance rates through Get Jerry here. Get Jerry makes this easy because they provide you with quotes from up to 45 companies. Switching your coverage is also very easy to do.
6. Build an emergency fund
No matter how little you start with, emergency funds can be very helpful.
An emergency fund is money that you have saved for when something unexpected happens.
Your emergency fund can be used for paying your bills if you lose your job (or if your hours or pay are cut), paying for a car repair, a medical bill, or something like a surprise leaking roof. You can see why I’ve suggested starting an emergency to this financial to-do list – it helps you when you need it the most!
You can learn more at Why You Need An Emergency Fund and How To Start One Today.
7. Start investing for your future
If you’ve been wanting to invest but haven’t started yet, take this financial to-do list as your sign to start now!
Investing is important because it will help you retire one day, allow your money to grow over time, and more.
After all, if you weren’t investing, your savings would just be sitting there and not earning a thing.
This is important to note because $100 today will not be worth $100 in the future if you just let your money sit under a mattress or in a checking account. However, investing can actually turn your $100 into something more.
For example: If you put $1,000 into a retirement account that has an annual 8% return, 40 years later that would turn into $21,724. If you started with that same $1,000 and put an extra $1,000 in it for the next 40 years at an annual 8% return, that would then turn into $301,505. If you started with $10,000 and put an extra $10,000 in it for the next 40 years at that same percentage rate, that would then turn into $3,015,055.
Learn more at How To Start Investing For Beginners With Little Money.
8. Get rid of your expensive TV bill
Getting rid of cable or canceling some of your streaming services is something I know many people have on their financial to-do lists.
Paying for cable or multiple streaming services at a time really adds up, and I know many people who have been procrastinating on canceling for a while.
Take a good look at how much you are paying to watch TV and think about what else you could do with that money.
We decided to get rid of cable over five years ago. We currently pay for Netflix, but we even went a few years without that. We don’t regret this one bit.
Here’s a list of TV alternatives to read about: How to get rid of cable and still watch TV.
9. Calculate your net worth
Do you know your net worth?
There is a free, easy tool that allows you to calculate and track your net worth, and it’s probably the most popular financial tool in existence right now.
Personal Capital is free personal finance software that allows users to better manage their finances and track their net worth.
You can connect and track accounts, such as your mortgage, bank, credit cards, retirement accounts, and more – and Personal Capital is all free.
With this tool, you can track your cash flow, spending, savings amount, investments, and more. It’s really helpful to see everything in one place!
10. Go on a cheap vacation with travel rewards credit cards
Taking a vacation may not sound like something that should be on your financial to-do list, but what I’m sharing is an affordable way to take your next vacation.
Using a travel rewards credit card means that you earn points that can be redeemed for free or cheap travel. You can earn airline tickets, gift cards, hotel stays, cash, etc., all for simply using your credit card.
If you are going to pay for something anyway, then you might as well get something for free out of it, right?
If you travel a lot and/or already use credit cards, then signing up for the ones with the best rewards can help you earn free travel.
Two cards I recommend include:
Note: Of course, if you know that you are bad with credit cards, please skip this section because a vacation isn’t worth wrecking your finances.
11. Find a work-from-home career
Are you wanting to find a new job? If so, then a work-from-home job may be worth thinking about.
Finding a new job or a side hustle can help you make more money to put towards other financial goals, such as paying off debt, starting an emergency fund, investing, and so on.
Here is a list of online jobs that may interest you:
12. Fill out an emergency binder
Are you organized with all of your important documents and personal information?
I know many people who probably wish that they had all of their important information in one easy area.
If this is you, then starting an emergency binder should be on your financial to-do list!
An emergency binder is a way to store personal financial information, like bank account numbers and passwords. You can store insurance information, personal details about you and each member of your family, information about bills, and more.
I know there are many, many families who would be lost if something were to happen to the person who usually manages their finances
Accounts could get lost, you may forget passwords, bills may go unpaid, life insurance may be hard to find, and more.
It’s best to keep a family emergency binder just in case something were to happen, even if it’s something no one ever wants to think about.
This can be useful in non-emergencies as well. Creating a binder like this organizes all of your family’s information in one place. It makes finding any piece of information quick and easy, and you’ll probably refer to it often.
My top tip is to check out the In Case of Emergency Binder to help you with creating your own emergency binder. This is a 100+ page fillable PDF workbook.
13. Have a money meeting
If you have a spouse or a partner, then having regular money meetings is important so that everyone is on the same page and knows what is going on.
In these family money meetings, you may want to talk about:
Every family and household is different, so you may talk about different topics.
There is no exact outline of what you should talk about in your money meetings because every financial situation is different. The point is to regularly meet with your partner or spouse and have an honest discussion about your money.
14. Check your debt progress
According to the New York Fed’s Household Debt and Credit Survey, the average U.S. household debt in 2021 was $96,371. That includes mortgage and consumer loans, but it is still a very big number!
Having debt, especially high-interest rate credit card debt, can hold you back from taking vacations, retiring, saving for emergencies, and more.
If you already have a plan to pay off your debt, then your financial to-do list should include checking on your progress. You can see how close you are, if you can increase your payments, and so on.
If you haven’t started making a plan to pay off your debt, please read Pay Off Debt And Break Free Of The Debt Cycle – You Can Do It!
15. Set new financial goals
Having financial goals, like a debt pay off milestone or savings goal, is a great way to stay motivated.
Your financial goals may include:
And much more!
Once you reach your goal, keep yourself going and set a new financial goal.
It’s also okay to set smaller financial goals, and for big ones, I recommend breaking them down into smaller goals. It will feel much more manageable that way, and you will set yourself up for success.
Read more in 70+ Goal Ideas For 2023.
Your financial to-do list – Summary
Having a to-do list for your money is something I believe everyone should do. You may want to create a list and put it somewhere visible, make the list on your phone, set reminders, and so on. You have to find a way to stay accountable and on track.
Today’s article should help you remember your to-do list and think about what other important financial tasks you should take care of, which can include:
What’s on your financial to-do list?less
Becoming a mom is one of the best things to ever happen to me, and I love that my job is flexible enough that I get to spend time playing with my daughter and watching her grow up.... more
Becoming a mom is one of the best things to ever happen to me, and I love that my job is flexible enough that I get to spend time playing with my daughter and watching her grow up.
I know not everyone wants to work from home with their kids, but I am grateful that I can work at home while raising my little one.
Parents have a range of options these days when it comes to working from home. There are:
And much more!
The ideas I’m telling you about in today’s article are more than just stay at home mom jobs. These are remote jobs for dads, aunts, uncles, grandparents, caregivers, and anyone else who wants a flexible job that allows them to work from home.
That’s why the best jobs for stay at home moms and dads are all flexible, and many of them are very easy to start.
For many, being able to have a more flexible schedule while raising children is important. And I completely understand that.
I love that I have one of the best work from home jobs for moms with babies! The flexibility of blogging means I mostly work when my daughter naps. When she’s awake, I get to spend time playing with her and watching her explore the world.
I know, I know. Because she’s a baby, it won’t always be like this forever, haha! But building a business I love that I can run from home on my own schedule gives me so much freedom to be with her right now.
Being a parent is hard work – it alone is a full-time job, and that’s why I was excited to create a list of the best jobs for stay at home moms and dads.
It’s more important than ever before to help people find jobs that make it easier to be a parent and make money.
Right now, there are many different flexible jobs and legitimate work that allow you to work from home. Whether you are looking for a side hustle or a full-time job, there are many options that may interest you.
So if you’ve ever asked, “How can I make money as a stay at home mom or dad?” Then this article has over 30 excellent ideas for you!
32 Best Jobs For Stay At Home Moms And Dads
1. Start a blogging business
Starting your own website has many benefits, which is why I believe that blogging is one of the best stay at home jobs for moms and dads.
It’s also what I personally do while raising Marlowe, my daughter.
For me, blogging allows me to travel as much as I want, create a flexible work schedule, earn a great income, and I really enjoy having a blogging business.
I created Making Sense of Cents in 2011, and since then, I have earned over $5,000,000 with my blog. When I started, I had no idea it would be one of the best jobs for stay at home moms, but now blogging allows me to work a flexible schedule and spend as much time as possible with my daughter.
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
In this free course, you will learn:
2. Sell printables on Etsy
Printables are very popular right now, and the market shows no signs of slowing down.
Printables are digital products that can be downloaded and printed at home. Think grocery shopping checklists, weekly meal plans that someone puts on their fridge, gift tags, quotes to be framed, and more.
These can be sold on sites such as Etsy. This can be a great way to make money at home because you simply create one digital file per product, and you can then sell them an unlimited amount of times. You don’t have to print or ship anything to your customers. Instead, you create the digital file, and your customer downloads it and does the rest after they buy it from you.
You can sign up for this free ebook that helps you figure out where to start when it comes to selling printables on Etsy.
I recommend reading about this further at How I Make Money Selling Printables On Etsy to learn more about one of the best jobs for stay at home moms.
3. Help businesses as a virtual assistant
If you are looking for a stay at home job, then becoming a virtual assistant may be a great option for you.
I have been a virtual assistant in the past, and I also have virtual assistants who help me run my business. And I’ve had many parents tell me this is one of the best jobs for stay at home moms because it’s so flexible.
A virtual assistant is someone who works from their home as an assistant for someone else. More and more businesses can be run from home – it makes sense that an assistant can work from home as well.
A virtual assistant may do tasks such as managing social media accounts, formatting and editing content, scheduling appointments, managing travel for a person, email management, managing Facebook groups, and more. Basically, you can get paid to do any task that needs to be done in someone’s business but doesn’t need to be done by them.
My friend Kayla is a full-time blogger, virtual assistant, and project manager who earns over $10,000 per month while working from home. She is also the founder of $10K VA, her course where she teaches you exactly how to regularly earn $10,000 per month as a virtual assistant!
I interviewed her at How Kayla Earns $10,000 Each Month From Home as a Virtual Assistant, and we talk about:
And much more!
4. Become an online proofreader
If you have a passion for reading and often find mistakes in written content, then this may be one of the best jobs for stay at home moms and dads for you.
Freelance proofreading is a flexible and detail-oriented job that only requires a laptop or tablet, an internet connection, and a good eye for finding mistakes.
Proofreaders look for punctuation mistakes, grammar, misspelled words, lack of consistency, and formatting errors.
I interviewed a professional proofreader on what it takes to become a proofreader and asked her about:
You can read more at How To Become A Proofreader And Work From Anywhere.
There is also a FREE 76-minute workshop where you will learn more about how to become a proofreader. You can sign up for free here.
5. Sell items on Amazon from home
One of the work from home jobs that may interest you is selling items on Amazon.
My friend Jessica of The Selling Family sells on Amazon full-time.
In the first year that Jessica’s family started selling items on Amazon, working less than 20 hours a week total, they made over $100,000 profit!
Jessica also has a FREE 7-day online course that will teach you everything you need to know in order to start selling on Amazon.
You can learn more about this at How To Work From Home Selling On Amazon FBA, which explains common questions, such as:
6. Run Facebook ads for small businesses
By running Facebook ads for local businesses, you can help small businesses reach new customers, and you may be able to earn $1,000 a month for each client that you have.
Facebook is one of the largest advertising spaces that exists, and this is an area that will just continue to grow and be popular.
My friend Bobby knows a lot about this topic. Bobby is a former high school teacher who has paid off $40,000 of student loan debt in a year and a half. He now runs the personal finance blog Millennial Money Man full-time, as well as a digital marketing agency for local businesses that he started in 2015.
I interviewed Bobby about running Facebook ads, where you will learn:
Also, there is a free webinar (you can sign up here) that will teach you how to start this business even if you’re new, which makes this one of the best jobs for stay at home moms with no experience.
7. Answer surveys in your free time
This isn’t exactly a stay at home job, but it is an easy way to make some extra money.
Perhaps you’re looking for a way to simply make some extra money in the few minutes you have to spare between your other tasks on your to-do list.
If that’s the case, then I recommend looking into paid online surveys.
I have taken surveys many, many times in the past, and I have received $50 to $100 checks in the mail from answering easy survey questions.
Companies use surveys to learn what possible customers think of their products, services, and company. With the surveys you take, companies get valuable information that helps them improve their products, and that’s what they are paying you for.
To increase your chances of making money, I recommend signing up for as many online survey companies as you can. This is because survey companies may only send a few surveys your way each month, so the more you sign up for, the more cash you may be able to make.
Below are the companies I recommend signing up for:
You can learn more about why online surveys are one of the best jobs for stay at home moms at 14 Best Paid Survey Sites To Make $100+ Per Month.
8. Start an online store at home
It seems like everyone shops online these days, myself included.
If you’ve ever thought about starting your own store, this may be the route to take if you also want one of the best jobs for stay at home moms.
Even if you have no background this is something you can try.
I had the opportunity to interview Jenn Leach of E-commerce and Prosper, who explains exactly how to start an online store. She has grown three successful online e-commerce stores earning an average of $19,000 per month.
She is super successful despite only spending around 5-10 hours per week on her e-commerce business.
You can learn more at How Jenn Makes Over $10,000 A Month With Her Online Store In Less Than 10 Hours Per Week.
9. Become a virtual bookkeeper
A bookkeeper is someone who tracks the finances of a business.
Before you skip this one because you think you’re not qualified, you might be surprised to learn that you don’t need to be an accountant or have any previous experience.
This is something that you can learn from home.
My friend Ben from Bookkeepers helps people get started as bookkeepers, even when they don’t have any experience.
I interviewed him and asked him questions, such as:
Please head to Make Money At Home By Becoming A Bookkeeper to learn more about why bookkeeping is one of the best jobs for stay at home moms and dads.
Also, you can sign up here for a free series that will teach you more about starting your own virtual bookkeeping business.
10. Write romance novels at home
My friend Yuwanda Black has found one of the most interesting and best jobs for stay at home moms. She writes romance novels, and she was able to earn over $3,000 in one month!
I even have a few other friends who have started writing romance novels as well after hearing about Yuwanda.
I was able to have her share her story here on Making Sense of Cents, and in the article you’ll learn:
You can read more at How to Make Money Self-Publishing Short Romance Novels on Amazon.
11. Buy items to resell online
Finding items to resell online can be one of the best jobs for stay at home moms and dads if you have a good eye for spotting a deal.
In fact, my friend’s family has earned over $100,000 in one year by flipping things.
Some of the items that they’ve sold for a profit include:
This is one option that anyone can start because I know we all have lots of stuff in our house that we could probably sell online. Or you could visit thrift stores, yard sales, and more to find items to resell.
You may be reselling items online on websites such as eBay, Poshmark, Decluttr, and more.
They also has a great webinar, Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days, that will help you learn how to make money by flipping items as well.
You can learn more at How Melissa Made $40,000 In One Year Flipping Items.
12. Freelance write from your home office
I have done freelance writing for years, and it can be a great career choice for someone who wants to work from home.
A freelance writer is a person who writes for a number of different clients, such as websites, blogs, magazines, advertising companies, books, and more.
My friend Holly from Earn More Writing is a very successful freelance writer and has earned over $200,000 writing online each year for many years now.
You can read more about what makes this one of the best jobs for stay at home moms in How I Earn $200,000+ Writing Online Content.
13. Sell stickers at home
You can sell both printed and printable stickers online.
Stickers are popular and will most likely be for years to come. Stickers are used for so many different reasons, and you don’t need a ton of equipment to start a sticker business.
You can learn more at How To Make $1,000+ A Month Selling Stickers Online.
14. Transcribe audio files or video content into text
Transcription is when you turn audio or video content into a text document.
Businesses and people hire transcriptionists all the time, including business owners such as marketers, authors, filmmakers, academics, speakers, and conferences of all types.
Beginning transcriptionists may start at around $15 an hour.
You can learn more about becoming a transcriptionist in the interview Make Money At Home By Becoming A Transcriptionist. The interview explains:
15. Create Canva templates
To work from home, you may be interested in creating Canva templates, which are digital products. This means that you don’t have to ship anything – you are simply creating a digital file that your customer will download.
Creating Canva templates can be a great way to make money at home passively because you just need to create the templates once, and you can sell them to customers an unlimited amount of times.
If you have questions, such as:
Then I recommend heading to How I Make $2,000+ Monthly Selling Canva Templates to learn more about this as one of the best jobs for stay at home moms.
16. Become an affiliate marketer
One of my top votes for best jobs for stay at home moms and dads is affiliate marketing, and I have been doing this for years.
Affiliate marketing is when you earn an income by placing a referral link on your website, blog, social media account, and so on, and then people purchase a product or service through your referral link. If you get someone to sign up through your affiliate link, the company rewards you for promoting their product.
An example would be Amazon book sales, where you link to a specific book on your blog and try to get people to purchase the book through your affiliate link. Amazon and other companies want quality affiliates under their belt because they want all the help they can get to promote the products and services they are selling.
You can share an affiliate link with your audience in many different ways, such as:
If you want to learn more about affiliate marketing, I recommend learning more at Affiliate Marketing Tips For Bloggers – Free eBook.
17. Become a podcast virtual assistant
Having a podcast is popular, which means that podcasters need virtual assistants in order to be successful and manage their time better.
There are over 2,000,000 podcasts, and that number just continues to grow and grow. Podcasts are still a pretty new area, and that opens the door for lots of new stay at home jobs helping with all of these podcasts.
Tasks that a podcast virtual assistant may help with audio editing, publishing, marketing, graphic design, answering emails, and more.
If this is one of the best jobs for stay at home moms that you’re interested in, read How I Make $1,500 A Month As A Podcast Virtual Assistant.
18. Work from home as a freelancer
I’ve already listed a few freelancing options on this list of best jobs for stay at home moms, and that’s because it’s so flexible.
See, freelancers are people who own their own business and contract out their services to other business owners or clients. A business may hire you for one-time gigs or you may get a long-term job with a company as a freelancer. You typically work at home for these companies.
This may include doing freelancing tasks, such as:
This is one of the best stay at home jobs for moms and dads who want to use existing skills to start working from home. You can leverage your experience and start finding work on job platforms like UpWork and Fiverr.
19. Build an online course
If you want to make your own schedule and earn somewhat passive income, then creating an online course is one of the best jobs for stay at home moms and dads you could do.
In July of 2016, I created my first online course called Making Sense of Affiliate Marketing. Since then, I have earned $1,000,000 from that single course.
And you probably have something that you could teach in a course as well.
Topics that you can teach in a course may include:
You can learn more about the course that I created at How I’ve Made Over $1,000,000 From My First Course Without a Big Launch.
20. Write an eBook at home
Writing your own eBook is a great way to make money from home, and there is probably something super helpful that you could write about.
My friend Alyssa self-published her first book and has sold more than 13,000 copies, and she recently finished writing her second book.
She has earned $6,500 in one month alone from the publishing of her first book.
You can learn more in How Alyssa is making $200 a DAY in book sales passively.
Another great article to read on this topic is How I Made $2,000 in 1 Week by Writing an eBook – definitely check this out if you think this is one of the best jobs for stay at home moms.
21. Find a stay at home job in customer service
Many big companies such as Apple, Progressive, US Bank, American Express, and UHAUL outsource their customer service representative jobs to people who are able to work remotely from the comfort of their own home.
Customer service representatives may be responsible for tasks, such as:
There are constantly businesses hiring remote customer service agents, which is why this is one of the best jobs for stay at home moms.
22. Become a Pinterest virtual assistant
Working as a Pinterest virtual assistant is a more specialized version of the virtual assistant job mentioned earlier, and it’s a growing field as more and more business owners are using Pinterest to grow their business.
You may be completing tasks, such as:
You can read further at How I Started Earning $3,600 a Month As A Pinterest Assistant After Just 6 Months.
23. Mystery shop
I’ve done mystery shopping in the past, and it allowed me to earn extra money, get free items, and eat free meals.
No, you most likely will not be able to become a full-time mystery shopper, but it can allow you to make extra money.
And there are mystery shops that you can do purely just at home through your phone or online if you never want to leave your house. Or you can leave your house and do in-person mystery shops occasionally as well.
You may be completing mystery shops at car dealerships (such as by getting a free oil change), seeing a movie and evaluating a movie theater, buying clothing at a store (and evaluating the customer service), and more. Many, many stores are looking for mystery shoppers to help get a more honest evaluation of their store and products.
If this sounds interesting to you, you can join Bestmark by clicking here.
Learn more at Want To Make An Extra $100 A Month? Learn How To Become A Mystery Shopper.
24. Become a voice over actor
A voice over actor is the person you hear but rarely see on YouTube videos, radio ads, explainer videos, corporate narration, documentaries, e-learning courses, audiobooks, TV commercials, video games, movies, and cartoons.
I was excited to learn more about this stay at home job, so I interviewed my friend Carrie who is a professional voice over after to learn:
This is one of the most interesting and best jobs for stay at home moms, and you can learn more at How To Become A Voice Over Actor And Work From Anywhere.
25. Rent out spare rooms or a home
Yes, you can make money from home by renting out a spare bedroom or by investing in rental property to rent out in whole (such as an apartment or a house).
I interviewed my friend Paula, who’s in her 30’s and owns seven rental homes, on this topic. Paula has been investing in real estate for over a decade. She’s been an out-of-state investor for five years and is able to make money from home. She currently has a portfolio of seven buy and hold rental properties, and she recently bought a duplex in March of 2021.
Are you wondering questions, such as:
You can learn more about renting real estate at How This Woman In Her 30s Owns 7 Rental Homes.
This can turn into a lucrative and passive source of income, which is why it’s one of the best jobs for stay at home moms, but you’ll have to know what you’re doing to start.
26. Sell baked goods for people or pets
Do you like to cook? You may be able to make money at home by starting a home bakery.
You can learn more at How To Make Extra Money By Starting A Home Bakery. Here, you’ll learn about the equipment needed to start a bakery, food laws, tips on pricing your baked goods, and more.
I also recommend reading How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!) if you are interested in baking dog treats specifically.
27. Watch and walk people’s pets
If you love pets, then this is one of the best jobs for stay at home moms for you. Pet owners are always looking for loving people to care for their pets when they go out of town.
You may be asked to go over to someone’s house, but you can specify that you only do in-home pet sitting. That’s actually what we’ve done with our pets when we can’t bring them with us.
If you’re interested in watching pets in your home, Rover is a platform where you can list your services and find clients.
28. Rent out your stuff
Peer-to-peer rental platforms have gotten more and more popular over the past few years. It saves people money, and real people can make money from home renting out their stuff.
Renting out your stuff can feel somewhat passive, and it allows you to pursue other options on this list as well.
Here is a list of things to rent out and which platforms are best:
29. Offer in-home childcare
Starting an in-home daycare may be one of the best jobs for stay at home moms because it allows you to easily stay home with your kids while earning income of your own.
Now, you may need a special license in order to run an in-home daycare. This will depend on where you live.
I recommend making sure you check with your city or state before you begin. Also, make sure that your home is safe and that you are CPR certified.
30. Become a food photographer
Many food photographers are making $50,000 a year, and even over $100,000 each year.
This is something that you can do from home, and freelance for others.
Now, you may be wondering:
Please head to How To Become a Food Blog Photographer And Earn Over $50,000 Each Year to learn more.
31. Start a YouTube channel
YouTube is one of the most popular sources of entertainment and education these days. It can take a while to grow your following, but what makes this such a fun job is that you can create a channel about anything you want.
You can make videos about cooking, home decor, education, videos for kids, craft tutorials, and so much more.
If you think this would be one of the best jobs for stay at home moms for you, then read How I Grew From 0 Subscribers To Over $100,000 On YouTube In Less Than A Year.
32. Make and sell crafts from home
If you like to knit, crochet, sew, embroider, make candles, do woodworking, paint, etc. then this could be one of the best jobs for stay at home moms for you.
You can sell the things you make on Etsy or on Facebook groups that specialize in local handmade goods.
Handmade items are so popular because they are more unique than anything you can find in a store.
How can I make money as a stay at home mom or dad?
As you read above, there are many different jobs for stay at home moms and dads.
But I would like you to remember that working from home does not mean that you don’t have a job.
For some, it’s too difficult to manage a work from home job while taking care of children at the same time. You have to find a good balance between work and your kids, and managing both is a struggle for many parents. You may need to outsource certain tasks in your life, and there may even be times when you need to hire someone to watch your children so you can work.
Work from home parents can find jobs in many different areas, such as bookkeeping, blogging, becoming a virtual assistant, online tutoring, and more. Whether you are seeking part-time work, full-time earnings, or if your goal is to simply find a remote job, there are many jobs that you may find to be a good fit for you.
The options do not end with the list above either! You may find a job as a tutor, a life coach, teaching ESL (English as a second language), data entry jobs, search engine evaluator positions, as a stylist creating outfits for others, working remotely for a company, and so much more. The options are endless.
Below is a quick list of some of the different ideas that you may be interested in:
What do you think are the best jobs for stay at home moms and dads?less
Looking for the best money saving apps and websites?
When it comes to using technology to save money, there are a variety of money saving apps and websites to choose from. I’ve sifted through the best personal finance apps to find which ones will help you save the most money, and I’m sharing a list and summary of your best options.... more
Looking for the best money saving apps and websites?
When it comes to using technology to save money, there are a variety of money saving apps and websites to choose from. I’ve sifted through the best personal finance apps to find which ones will help you save the most money, and I’m sharing a list and summary of your best options.
What I love about these kinds of apps is that you can easily keep track of your savings. You can simply pull out your phone and see what’s happening with your finances.
Whether they make managing your money easier, allow you to make or save more money, simplify financial tasks, cut your expenses, or something else, there are many benefits to the apps I’m sharing today.
Saving money is so important, but it can be difficult to do with the rising cost of things. That’s why every little bit counts when it comes to saving money!
The money saving apps and websites below will help you:
The apps I’m sharing will work on Apple iOS, Android, laptop, and/or tablet. You should be able to sign up for them through your phone’s app store or by visiting the company’s website.
In today’s article, I am going to explain the top money saving apps and answer frequently asked questions, such as if money saving apps are safe, why these apps are willing to pay you cash, and more.
20 Best Money Saving Apps
Before we begin, I want to quickly list out all of the best money saving apps below:
1. Personal Capital
Personal Capital is a very popular personal finance and investment portfolio tool.
With Personal Capital, you can see your net worth, see if you’re saving enough for retirement, set a monthly spending target (and organize your spending and savings), analyze your cash flow, check up on your investments, and more.
There’s even a feature that analyzes your investment fees. It helps you identify places you can save on fees, which will help you put more of your money to work for you.
Personal Capital also has a high-interest rate savings account. This is a fee-free, FDIC-insured account, and it currently offers a savings APY of 3.35%!
Plus, it’s a free personal finance app that you can access right from your phone.
You can learn more about Personal Capital here.
2. Capital One Shopping – Automatically apply coupon codes
Capital One Shopping is one of the best money saving apps because it automatically applies coupon codes when you’re shopping online. That means you don’t have to search for coupon codes, which can save you time and money.
This is one of the best automatic savings apps because you don’t have to do anything extra. The Capital One Shopping app does the work for you by running through a variety of coupon codes as you check out, and then it automatically applies the best digital coupons for you and your purchase.
It’s free to use Capital One Shopping, and it is a browser extension that works with all major browsers.
You simply just shop as you normally do, and the Capital One Shopping app works in the background. I have it installed on my laptop, it works great, and I am always able to find the best deals with no extra time spent on my end.
You can sign up for Capital One Shopping here.
3. Upside – Save at gas stations
Upside helps you find gas stations, groceries, and restaurants where you can earn cash back on your purchases. You simply sign up for a free account, and then look at the Upside app to find places near you.
You can earn up to $0.25/gallon cash back at gas stations, up to 30% back on grocery purchases, and up to 45% back at restaurants. This app can help you offset the cost of inflation by helping you save money on everyday purchases.
App users can earn cash back at more than 50,000 locations nationwide, such as Shell gas station, Phillips 66, Burger King, Dunkin Donuts, Piggly Wiggly, and so much more.
One of my favorite Upside features is the map that tells you how much each gas station in your area is charging for a tank of gas. This helps you find the lowest price possible, while also giving you cash back.
You can check out Upside here to learn more.
4. Fetch Rewards – Scan your grocery receipts
If you’re looking for the best money saving app for groceries, I’ve been using Fetch Rewards the last few months, and it is so easy to save on groceries and other daily purchases!
Fetch Rewards is a cashback and gift card app that rewards you for purchases that you’ve already made.
With Fetch Rewards, you can earn points by submitting your receipts to the Fetch Rewards app from any grocery store, clothing store, restaurant, gas station, and more. Yes, ANY!
Then, you can redeem the points that you have earned for gift cards (to places such as Target or Amazon) and other rewards.
All you have to do is take a picture of your receipt with your cell phone, and you can easily earn points. I scan any and all receipts into my Fetch Rewards app and can easily earn rewards.
Here’s how Fetch Rewards works:
You can sign up for Fetch Rewards here.
5. Ibotta – Submit your receipts on your everyday purchases
With Ibotta, you simply create an Ibotta account, unlock rebates and rewards, go shopping, verify your purchases, and then get cash.
This is a great daily savings app. You can redeem rebates from over hundreds of stores, such as The Home Depot, Walmart, Chewy, and Best Buy.
You can earn cash back online as well as in-store, which is where Ibotta really stands apart from other companies. Plus, you can connect your favorite loyalty cards to your Ibotta account as well, and then Ibotta automatically applies loyalty discounts.
Ibotta is one of the easiest and best money saving apps because you’re making money shopping like you normally do. Ibotta then pays you in cash or gift cards to Amazon, Starbucks, and other stores.
6. Qapital – Save with minimal effort
Qapital is an app that can help you to save, invest, and spend with money better. This award-winning savings app has over 2 million users who have saved over $3 billion!
You can set triggers for saving, like when you post a status update to Facebook, every time you go for a run, when the space station flies over your house, etc. You can also set automatic deposits, do round-ups, and more. This can be a great way to get into automatic savings.
Qapital also has goal-based savings features, making it a great app for saving money for a trip, your wedding, emergency fund, and more. You simply set a savings goal, and Qapital automatically moves money into that account to help you realize your goal by your deadline.
There is a small monthly fee to use Qapital, but you can get a 30-day free trial. After that, they have three pricing tiers from $3 a month to $12 a month.
You can sign up for Qapital by clicking here.
7. Yotta Savings – Win up to $10 million weekly
The Yotta Savings app gives you the chance to win up to $10,000,000 weekly.
Yotta Savings uses the psychology that drives Americans to play the lottery to instead motivate Americans to save money.
For every $25 that you save with Yotta, you have the chance to win $0.10 all the way up to $10,000,000, every week.
If you don’t win, the cash you’ve saved still has a 0.20% savings rate, which is twice as high as the national average.
I personally signed up for Yotta Savings, and I think it’s a fun way to get people into saving more money. So many people enjoy playing the lottery, and this can be a great way to motivate people to save their hard-earned income.
There is even a Yotta debit card where you can earn 10% back and the chance to get any item you buy for free with the Yotta Debit Card. Plus, your savings accounts with Yotta are FDIC insured.
You can click here to download the Yotta Savings app. You can also learn more in my Yotta Savings Review.
8. Swagbucks – Complete simple tasks online
I started using Swagbucks years ago, and it has helped me easily earn extra cash on the side, and all you need is an internet connection.
There are many ways you can earn money on Swagbucks, such as:
And much more.
Here’s how Swagbucks works:
As you can see, Swagbucks is very easy to use!
9. Rakuten – Get cash back at online retailers
Rakuten (used to be called Ebates) is one of the best apps for saving money, and it allows you to earn free money for spending how you normally would online.
All you do is click on a store that you want to shop through (they have tons of stores such as Walmart, Target, Old Navy, etc.) and shop just like how you normally would shop online.
Rakuten makes a commission for referring you to the store you just shopped at, and they give you some of that money back as a reward. This can help you to trim your expenses and put a little more money back in your pocket. Who doesn’t love putting their money to work?
When you sign up through my link, you’ll receive a free $10 cash sign-up bonus.
10. Acorns – Invest your spare change
Is there an app that saves your spare change? Yes, and it’s called Acorns!
Founded in 2012, Acorns is the original micro-investment app. Micro-investing means you’re investing in fractional shares of stocks. So instead of buying a full stock share, you can invest with smaller amounts of money, which makes investing more accessible than ever before.
Acorns allows users to link and round up transactions to the nearest dollar from both debit and credit cards and essentially invest their spare change. Acorns also does 2x, 3x, and 10x multipliers on round-ups so you can maximize your investments.
For example: If you use a linked card to buy a $4.58 coffee, Acorns will round it up (to the nearest dollar) to $5 and invest the $0.42 difference.
Acorns also has many other features within their app, such as the ability to earn money while you shop, find jobs, and more.
You can click here to sign up for Acorns.
11. American Consumer Opinion – Paid online surveys
American Consumer Opinion is a survey company that I recommend, and it is free to sign up.
You can earn anywhere from $1 to $50 per survey taken through American Consumer Opinion, but $50 for surveys is pretty rare. It all depends on the length of the survey, and I would say the average is probably more around $1 to $5 per survey taken.
American Consumer Opinion also sometimes gives you free items to test out and give your feedback on.
They have paid out over $35,000,000 to survey takers and have posted over 20 million surveys. There are also over 7,000,000 active members.
You can sign up for American Consumer Opinion here.
12. Neighbor – Rent out your garage
Do you have unused storage space? If so, you may be able to earn money with it.
Neighbor is the Airbnb of storage space.
You can use this website to list your unused space for rent and earn up to $15,000 per year. With Neighbor, you can rent out your garage, driveway, basement, or even an unused closet.
You can set your own prices and decide for yourself what storage reservations you want to approve. You can even talk with renters in advance before deciding if they’re a good fit.
You can sign up for Neighbor for free here.
13. Survey Junkie – Share your feedback
Survey Junkie is a top survey company that provides online surveys that pay cash. You simply build a profile with them, and they match you to paid online surveys that fit your information.
They pay either cash through PayPal or with gift cards to places such as Amazon, Target, and more.
Survey Junkie accepts members from the United States, Canada, and Australia.
You can take surveys for cash by signing up for Survey Junkie here.
14. Inbox Dollars – Play games online and use coupons
InboxDollars is an online rewards website that rewards its members for watching videos, taking surveys, redeeming grocery coupons, playing games online, and more.
It is free to sign up and free to become a member.
Most of the paid online surveys on Inbox Dollars pay from $0.50 to $5.00 and take 3 to 25 minutes to complete.
Sign up for InboxDollars here and receive a free $5.
15. Decluttr – Sell your old phone
Decluttr is a website where you can sell your old cell phones, CDs, DVDs, games, and books.
It is one of the most popular buy-and-sell electronic/tech websites, and for good reason: They pay well and quickly.
Here’s how to make money on Decluttr:
As you can see, it is easy to use this website. If you have items around your home that you are no longer using, then this can be an easy way to make money. I also recommend shopping through Decluttr if you want to save money on electronics!
You can check out Decluttr here.
16. Bestmark – Mystery shopping
Companies hire mystery shoppers because they want to get a better idea of what the customer experience is actually like. This could be a clothing shop, a car dealership, a movie theater, and more. Basically, any business that’s selling something to customers can benefit from mystery shoppers because they want to see their business through their customers’ eyes.
Mystery shopping can be an interesting way to make extra money online, while shopping in-store, over the phone, and so on.
In the past, I have done mystery shops that paid me actual money, and others paid me in free items too, such as a nice dinner out and makeup. After using Bestmark for mystery shopping, I highly recommend them.
There is no monthly fee with Bestmark, and it is free to sign up!
You can learn more at Want To Make An Extra $100 A Month? Learn How To Become A Mystery Shopper.
17. RVshare – Rent out your RV
If you have an RV that you aren’t currently using, then you may be able to earn $100 to $300 a day or more by renting it out to others through RVShare.
Think of RVshare as Airbnb for RVs.
You can rent all kinds of RV on RVShare, such as:
RVshare also securely handles all payments and releases funds to your bank account one business day after the start of each rental.
Related: Have an RV that you want to rent out? Check out How To Make Extra Money By Renting Out Your RV.
18. Get Jerry – Save money on car insurance
When was the last time you shopped around for car insurance?
Even though it’s very easy, shopping around for insurance is something that most people avoid because it takes time. The problem is that not shopping around can cost you tens of thousands of dollars over your lifetime.
Jerry is an insurance comparison company that will help you get the best value car insurance.
You can shop car insurance rates through Get Jerry here.
19. Chime – Free round-up savings app
Chime is a free banking app that will help you save money and make the most of your spending. One of their most exciting features are automatic round-ups when you make a purchase. Chime will automatically round up your purchase to the next dollar amount and save the rest for you.
Here are even more Chime features:
You can sign up for Chime here.
20. Albert – Simple saving and investing app
Albert is an app designed to make it easier to save and invest all in one place. This app has features for saving, investing, and budgeting.
They even have a Genius feature, which is an in-app chat where you can ask one of their Geniuses anything related to money, from credit cards, buying a car, student loans, and more.
You can learn more about Albert here.
Do money saving apps actually work?
Yes, money saving apps and websites actually work. They exist for a reason!
Now, not every single one will work for everyone, but there are many options that you may be able to try out.
I have personally used many money saving apps and websites over the years, from online savings accounts, to cash back websites to paid online surveys, and more.
Are money saving apps safe?
The money saving apps and websites included in this article are safe and legitimate.
I did thorough research on each company, and I use many of them myself.
Where do money saving apps get money from? Why would they pay me?
Many of the money saving apps and websites listed above make money in ways such as:
They all make money in some way, which is why they do what they do.
They are all legitimate, and many people earn money with each of the ways listed in this article.
What are the best money saving apps for iPhone? And what are the best money saving apps for Android?
Out of this list of apps, Acorns and Ibotta are two of the top-rated iPhone and Android apps. But that doesn’t mean those are the only ones you should check out. These companies all have very user-friendly and safe apps.
What are the best money saving apps?
To quickly recap the above, the best money saving apps include:
The money saving apps above may help you to save money, cut your expenses, reduce your fees, build larger savings accounts, improve your spending habits, get rewards, make money, and more.
What are your favorite money savings apps?less