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Posts tagged with: money

My New Side Hustle for Extra Income


I finally did it. I’m sure we’ve all heard it: diversify your income and make additional income. But this is easier said than done, right? I mean, if we already work one full time job, who has the time to squeeze in another income source? Even if we have the time, I know I definitely am not ecstatic about the idea of two jobs. Then I realized that I can practically turn anything I enjoy doing and simple things that I don’t mind doing, into a money-making side hustle. 

As of October 5, 2017, I am officially a side hustler. My new motto: Everyday I’m hustling. I got a position as a substitute teacher! (Since I work at a year round school, I will be able to sub in the traditional calendar schools during my off-time.)  I am stoked about subbing because it matches the new understandings I have gleaned about a good side hustle! 


To start, hats off to every working person that leaves work to go another job at the end of the day or on the weekend. Our full time jobs in itself are exhausting and that requires respectable and admirable commitment. However, I consider a second job and a side hustle to be different things. I do not want my side hustle to feel like a second job. To leave work at 5 pm or to wake up on the weekend in order to go to my second job would drain me. Knowing myself, I may be tired and potentially a bit cranky. 

I want my side hustle to be optional. If I need to call out,  use vacation days,  send in a doctors note or just pretend to be sick (although I would never do that 🙂 ), then I would feel tied down to another job. I want my side hustle to be one in which I can choose when/how I want to work.

With my side hustle as a substitute teacher, I can choose the days and time-frame in which I want to work. I will only work on my off weeks from my year-round school. I will only work the days on the week in which I want. In fact, I just turned down my first position as I write this. Do I want to come in to work on Friday? Nope!

A side-hustle that offers good flexibility: driving for lyft and blogging. Katie, a B.A.D reader, mentioned that people also charge about $100 to program Amazon sticks. Clever! You can do weekends, weekdays, morning, afternoon, etc. You don’t need to cancel a scheduled time. 

Skill-set Promotion

Caution, this is very theoretical. The premise of skill-set promotion comes from Robert Kiyosaki’s “Rich Dad, Poor Dad,” Chapter 6. In this chapter, “Work to Learn, Don’t Work For Money,” Kiyosaki advises that we take a  job that will teach a new skill and that our new skill-sets can be used to make us more money. Yes, this is idealistic. We have a job because we have a family to support, bills that must be paid, debt that needs to be reduced, and we simply need green money. Or a direct deposit.

But this is a profoundly insightful goal and one that we have more luxury to consider when choosing a side hustle. Essentially, I believe that my side hustle should not just bring in money, but promote a new marketable skill in myself that will enable me to do something additional for income. For example, if you currently do marketing as a full time job, you could side hustle by doing branding for new, small companies or individuals (this is all over sites like Fiverr). The concept is that the newly learned skill-set developed by branding could give you more marketable expertise within your 9-5 that may earn you a promotion or enable you to start your own company.

Through my side hustle as a substitute teacher, I will be able to teach new grades, new subjects, and work with a different demographic of students. I could even try some upper level math… but probably not. Either way, this will make me a more diversified, smarter, and, I believe, better educator. While this growth does not directly lead to me making more money, it does lead to an invaluable diversity in the world of education. And it could use this as leverage for different positions in education or if you wanted to tutor. 

A side-hustle that offers good flexibility: building websites, branding, online tutoring. You will be practicing and honing a skill that you already have and probably learning new things along the way. You can market this time and these skills to promote yourself. 

Space for passion and time

For some, skill-set building and passion within a side hustle may fit well into the career that you already have. For example, teaching is my passion and being able to be a substitute teacher to build my talents both support each other. Others may have a job that is not necessarily their passion and that does not align well with building a skill-set that they desire. We all also have different time constraints. Some may be single but are earning an advanced degree and are attending classes after working. Some may have a large family that they go home to after work.

Again, we have more luxury to consider what we are passionate about and how much time we have when deciding on a side hustle, and I think this is a beautiful thing. I believe that my side hustle should be something that I am passionate about and that fits well into my time constraints. When this is true, I think that we will feel better about doing it, and ultimately better about reaching our financial goals.

My side hustle fits well into my passion and my time constraints because I am subbing at traditional schools when I am off from my year-round school (year round schools in my area are typically in session for about 8 weeks and then out for about 3). I also considered other passions/ time constraints that I have. Writing/free afternoons = start a blog :). Teaching/ time off during summer= tutoring. Someone who has a family, complete with the dog and limited time, could side hustle by being a dog sitter. (The first time that I found an online sitter for my dog, I sought out someone who had a family because I thought that my dog would enjoy that).

A side-hustle that is good for passion and time: babysitting/ caregiving, catering, dog walking, interior design. We can turn anything into a passion and then into a side hustle! I have a dog and I love her so much- and I can make money by sitting for other dogs that she can play with! 

Time to side-hustle

Changing my philosophy about a side hustle helped me find something that I am actually excited about doing, and that not only earns me money but will give me a valuable talents that will better myself. Do you already have a side hustle and if so what do you do? If not, are you ready to earn additional income by starting a great side hustle? What ideas are you guys considering? I’ll let you all know how my first day goes 🙂

Parents’ Attitudes About Finances & Kids


T. Rowe Price Just Released its 6th annual “Parents, Kids & Money Survey.”  For the past three years I have read this survey and I like it because I believe that teaching my kids good money habits is a crucial and important parental responsibility.  And as I look at the results of the survey, I can usually get an understanding of how other parents are handling this situation.

Some of these results really caught my eye and made me ponder:

  1.  Just about half the parents that were surveyed use money to encourage good behavior from their kids.  This is something I am very against, I don’t plan to give our kids money for good grades and I surely won’t use money to try to buy off bad behavior.  These are qualities that are expected in my household.  Same goes for chores.  Now  I totally believe that I should give my children money and teach them the responsibilities that come with said money.  I just haven’t decided on how to go about doing this just yet.  My sister is actually fighting with her son right now, because my parents gave him $50 for straight A’s on his report card.  He expects his mother to pay him $75 for doing so.  My nephew is 10 years old!
  2. Thirty percent of parents raid their kids’ piggy banks.  Wow!  This is simply astounding to me, but maybe I am just reading into all wrong.  Maybe it is more innocent than it sounds – the pizza guy is knocking on the door and you realize you have no cash for a tip.
  3. Sixty One percent of children shop online – including 54 percent via mobile apps.  The immediacy of online shopping is making the world into something totally different.  We already know that our grandparent’s time was for saving, and now this society is all about spending.  But this is turning into a whole new ballgame with mobile apps that tend to prompt spontaneous spending.  Kids definitely think of currency differently than we did growing up due to so many transactions being digital now a days.
  4. 74% of parents admit to being reluctant to talk with their kids about financial topics.  The primary reason was that their didn’t want to have their kids worrying about finances.
  5. More than half of kids expect their parents to pay for most or all of college.
  6. Parents are open to finances being taught in schools:  87% of parents agree that it would be appropriate for kids to learn about financial matters in school.  The fact that it is not, leads me to believe many things.

Now there were much more discussed in the press release.  I suggest reading it and telling me what you all think was important findings in this survey!



Do we have huge plans to spend, spend, spend?



Actually, not much will change for us. Most of the money we were using to pay down debt now goes to fund daycare costs for the little tyke. The leftover amount will go toward a larger emergency fund. Fortunately, we are on our way since the tax refund was higher than what we owe. We are looking at saving for a car since mine is fairly small. We would like to have a slightly larger vehicle by the time baby number two comes along – no, I’m not pregnant… I just like being prepared.

We are planning on evaluating our March budget but I can’t imagine it will change much. We are planning a vacation… camping again. And a trip out of town… funded by my company for training. But we’ll see…

Passing Down Traits…


After picking up my son, I arrived home tired from work last night. I schlepped off my formal work clothes and donned an oversized t-shirt, sweat pants, and fluffy pink slippers. Just thinking about making dinner was making me drag.

Baby boy started fussing a little, hungry for his dinner. I looked at him, smiled, and started asking him if he was hungry.

Asking him while singing in an opera voice.

I didn’t even realize I was doing it until about the fourth time singing, ‘AaaaaaAAAaaAAaaare you HuuuuUUUUuuuungry BoyyyyYYYYyyyYYY?’

I don’t sing opera. Um. Hubby would like to say I can’t sing at all. And before baby Cash was born, you wouldn’t catch me singing…ever. But here I was, standing in my living room, singing in an opera voice to my son.

And then I choked.

I have turned into my mother.

My whole life, my mother sang in an opera voice to children. I don’t think she’s capable of speaking to them, only singing. And I realized, I’ve picked up a lot of traits from my mother. That got me thinking, what traits will I pass to my children? I want them to be good, kind hearted, giving, etc. But what will they find themselves doing that says ‘I’ve turned into my mother!’? What stands out about me?

Will it be my goodness? My kindness? My giving?


I have a feeling Cash will be standing in the snack aisle screaming ‘I WILL NOT buy you!!’ to the Lays potato chips when he’s thirty.

I’ve got to start being the person I want my son to become.

I may never shake the singing thing… but maybe that’s not a bad thing. It reminds me that tiny little eyes are watching.

Eek! Healthcare!


I’ve been hanging on budget wise by the hair on my chinny chin chin. Added healthcare and daycare eat up everything we were applying to debt. Add diapers, wipes, and therapeutic wine, and the budget is pretty tight.

I’d been holding on, waiting to hit my milestone year at work. Once past the milestone, healthcare costs are greatly reduced – we’re talking a couple hundred a month.

…Until they released the 2012 rates and took away milestone benefits for longtime employees. My benefit package is nearly $200 more than I budgeted each month.

Sure, I get it. Healthcare costs are skyrocketing and I can’t expect my employer to cover it, but I was oh so sad to hear about the rate adjustment.

Hubby and I have to sit down and take a hard look at what we can adjust. I’m just hoping for a raise to clear the difference so we won’t have to cut the food budget. I’m not ready for a season of Ramen… again.

Scary D.I.Y. Project…


My parents purchased five tiny pine trees from the grocery store and planted them in their front yard…30 years ago.

I don’t know if my father didn’t realize how HUGE the trees would get or if he simply didn’t think he’d still be living in the home 30 years later, but they took over the front yard. He was forced to cut them down one by one as snow storms threatened to push them onto the house but two remained.

One of the trees was leaning precariously toward the house and would unlikely survive another winter season. My father is stashing cash for his start-up and couldn’t spend the money on a tree service so my husband and brothers decided they’d take the task on.

Not realizing my husband was planning on flirting with danger, I didn’t activate his disability insurance policy. We’ve been shopping around and haven’t nailed one down yet. Eek. I was out shooting photos and shouting, ‘Please don’t get hurt! We’ve got NO INSURANCE!!!’

Remarkably they got the tree down without injury (this proves there IS a God) and my parents have enough firewood to take them into 2020.

How’d Work Go?


I know it’s not necessarily debt related – other than it’s where I get money to pay down debt – but I thought I’d share how my first week back at work went.

The first day was easier than I thought. I was so focused on getting ready, getting him fed, and packing supplies, I didn’t really have the time to get depressed about leaving. At work, I was overwhelmed with meetings and projects, and didn’t even have time to eat lunch.

The second day was when everything hit. The nerves had settled and I couldn’t make it out the door without crying.

I’ve regretted the decisions I’ve made about money in the past, but nothing makes you more miserable than the realization that your money decisions are keeping you from the things you love most.

BUT, I am so grateful to my husband who works lots of overtime so I have a few months of working part-time. I’m not quite sure how I got so lucky to be married to him, but you can bet both he and baby get lots of hugs these days.