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You’ve just started a new family and for a variety of reasons you opted to stay home and care for your kids. Sometimes it is much more financially feasible to have one parent to stay home. After all, some expenses outweigh the second paycheck.
Expenses such as:
- Daycare – 2 kids can cost about $341 a week, or $1,477 a month.
- Work Lunches – The cost of buying coffees and lunches at work adds up to about $251 a month.
- Driving – The cost of driving to and from work can be about $125 a month
- Extras – Don’t forget the cost of your wardrobe, licensing, memberships, or any other fees associated with your profession.
The benefit of staying at home saved you about $1,853 a month already! Let’s see other savings you’ll get:
- Taxes – not paying taxes (and claiming more dependents) will save you about 15% – 40% on your income taxes yearly.
- Diapers – Did you know many daycares do not allow cloth diapers? So, you save another $50 – $100 a month for not using disposables just for them.
- Moms, if you decide to exclusively breastfeed, you’ll save $150 a month for not needing to buying formula.
- Clothes & Hair – You’re at home, tired and exhausted – but you don’t need to keep up appearances for work so you’ll save on work clothes and beauty products, haircuts and salon visits.
Now you’re up to saving over $2,000 a month to stay at home. Now, according to the USDA, the average middle-income family will spend roughly $1,000 a month on child-related things in their baby’s first year and the cost increases every year after that. Don’t forget you’ll need to now buy your own health insurance, children’s insurance, and anything else your job was providing.
If you’d like to find out what your family’s exact expenses will be if you’re trying to decide to stay at home – this calculator will help.
Maybe after doing all the homework, you decide you do want to stay at home – but want a stay at home job to help with some bills (or help keep you sane). Here are ten ways to make money as a stay at home parent.
1. Websites & Apps
You had to know I was going to mention this sooner or later. I wouldn’t be pushing it if it wasn’t a viable way to make money. Joining several Survey and Shopping Apps can make you money. A great bonus is that it only needs one hand holding your phone to do, so you can do it while feeding your baby, rocking them to sleep, watching movies on the couch, stuck in the car or waiting rooms, and a plethora of other times.
Great Websites and Apps are:
- Survey Junkie – One of the highest-paying survey sites out there
- Ibotta – Shop online or scan your shopping receipts for easy cash back
- TopCashBack – Another great shopping and cash back app.
- InboxDollars – Complete surveys, shopping, check out offers, watch videos and more ways to earn here.
- Swagbucks – Many ways to earn on this site for quick earnings.
- MyPoints – Great shopping cash back and more ways to earn here.
- Ebates – Shop online and get instant cash back
- PointClub – Pick a Gift Card and then answer surveys to work towards earning the gift card.
You can blog about pretty much anything these days really and make money from advertisements, affiliate marketing, products, and other opportunities. Starting a blog can be quite easy.
The parenting blog is one of the most popular blogging niches out there because parents and mommies everywhere want to do the best for their babies and children.
The advantage of this job is that once you’ve established the blog and are on social media, you can write in your off hours from parenting – during their naps, at night, and so on. You can write a bunch of posts, schedule them for the month and you’ve done the major work.
In order to start a blog, you need a domain name and a hosting provider. For hosting, we recommend Bluehost. When you sign-up using our link, it’s only $3.99 per month or the low cost of roughly $48 per year. This also includes a free domain name your first year.
3. Freelance Writing
Just like with Blogging, you can accomplish this job while the kids are asleep or with your partner. There are a number of ways you can be a freelance writer – find one (or several) blogs to write for as a contributor, bid for writing projects on Upwork and other freelancing sites, work for a content mill as a ghostwriter for a number of companies.
You can work as little or as much as you want and possibly your own rates too, depending on the outlet. For specific blogs you’re the “hired” employee and may need to adhere to their schedule and rates, for freelance sites, you can pick and choose projects and bid your rates, and for content mills it depends on your “level” or set word count. For example, on Blogmutt – level one and two can only work on articles that are 300-450 words long and you get paid $10.50 per post, higher levels can submit longer posts for higher pay.
4. Write eBooks
You can write eBooks to sell on Amazon Kindle Publishing. Pretty much any topic is game these days and you can set your book price (minus site fees) and sell your eBooks over and over again.
Write a “how-to” on your former career, write children’s books inspired by your own kids, write that fantasy story you’ve been creating in your mind for the last several years.
This passive income really needs no work once your book is up but sharing it on your social media connections or giving one for someone to review on their site, can help too. Yet again, you can write when the kids are asleep or entertaining themselves.
Remember I said Daycare can cost about $341 a week for 2 kids? Why not offer to babysit other children in your home? Accept children around the same age as your own and now you have new playmates and friends for them.
You’ll need to check with your city’s regulations on babysitting and even if you need a permit to do so. The average charge to babysit is $13 an hour, so if you took in 3 kids every week for the normal working hours plus 1 hour before and 1 hour after, you’ve made almost $2,000 in a week (not counting overhead).
6. Sell Stuff
You probably packed up some of your belongings and cleared a room to prepare for the new arrival. Why not go through those boxes again as well as the rest of the house and sell all the stuff that you don’t want anymore. Sell them in a yard sale, on eBay, or on the online classifieds.
Additionally, you can look on Craigslist and other online classifieds for free or low-cost items you can turn around and sell for a profit. Another great way is to strap up the baby and hit the flea markets and auctions to find stuff to re-sell again. Use eBay’s free appraisal tool to find out if your discovery is worth anything. You and kids get out of the house, explore new sights and make money.
7. Lose Weight
This is a great encourager for new moms wanting to get back to her pre-baby shape or for dads as well. You actually can get paid to lose weight!
You make a bet how much you will lose, how long it will take and how much you’ll bet per month. Enter your information and then strap the kid into a jogging stroller or do parent/child exercises together, and work on winning the prize.
Prizes vary on how much weight you’ve lost and how much you’ve bet, but they can range from a hundred dollars to several thousands.
8. Non-Phone Work
When you’ve got a baby or young child – working in a customer service job just won’t work because many require a quiet background. Pretty hard to do with kids, right? Instead you can do online non-phone work.
There are a variety of non-phone jobs out there, such as:
- Amazon Mechanical Turk (Mturk) – you accept various assignments and answer questions regarding that assignment. Pay is about $6 – $10 per hour on the easier tasks.
- Clickworker – Similar to mTurk but has more variety of work such as data entry, data categorizing, copy editing, proofreading, and others. The pay depends on the category, your typing speed, and other factors, but the average pay is $9 an hour.
- Transcriptionist – many companies and individuals need transcriptionists. Typing up transcripts of business calls, dictation, legal meetings, medical transcription, and so on. Transcriptionists are usually paid per word, 0.5 cents to 0.695 cents. So, the faster you type – the more you make.
- Document Translator – If you’re fluently bilingual you can work from home translating documents from one language into another. The pay is around $20 an hour.
- Captioner – You’ll need training similar to court reporters. There are two types of captioners– live broadcast captioner at a station (earning $70,000 to $80,000 a year), or an “offline” (not live) captioner (earning $11.00 an hour). The offline position may fit your home schedule better.
9. Rent Your Baby Stuff Out
As your new baby starts outgrowing things – car seats, cribs, strollers, playpens and such – you can rent them out to other people. Become an independent partner with Babierge and make money.
You make 80% of all rentals and 100% of delivery fees. You do need to pay insurance fees and any credit card processing fees, and earnings depend on the demand in your area. So if you live in a large tourist city with many travelers, you could make a good, steady income.
Being a parent has many new pressures and anxieties. The decision to stay at home is a stressful one, but with these ten different ideas to make money at home makes it a bit easier decision and is less strain on your finances.
10. Direct Sales
If you go to Mommy & Me playgroups, the library, the playground or anywhere else with the young ones, why not bring some direct sales catalogues to leave behind, talk to other parents about your products, and so on.
If your product is aimed at new parents, such as Discovery Toys – who doesn’t like toys, Usborne Books – sell to schools and libraries too, and Baby Signs – teach babies and toddlers Sign Language.
The gains of this job are that you’ll meet other parents (and maybe future friends), your kids get some time out of the house and possibly help you stave off loneliness.