Make It Take It: Bringing in More Money

Cutting expenses is one thing, but the best way to end up with money left over at the end of the month is to figure out ways to bring in more than you currently do. You can do this with a formal second job, freelancing, side work, overtime, selling stuff, etc. An added benefit is that the more time you are working, the less time you are spending If you go to work on Friday night and earn $200 instead of going out with friends and spending $200, you end up (simplified) $400 better off in saving the $200 and earning an extra $200. I know that all work and no play make Jack a dull boy and all that, but if you can even trade out six nights of play out for six nights of work in a year you’ll be up $2,400. And probably be healthier for it as well.

I don’t pretend that the second jobs or freelancing will make you a fortune. When you hang out your own shingle, you have to find your customers. It’s hard to find those regular paying customers, as I well know from my own second jobs. I have written several books, blogged regularly, edited college applications, wrote resumes for others, created online courses, etc. but have not been able to find sustained paying customers for those services. You might say, snarkily, “Well, she must not be any good.” Well, that’s as may be, but few customers even hired me that I could even have a chance to show them whether I am good or bad. Those skills of mine, developed and paid for under the employment of established companies, were well rewarded there, but hanging out a shingle as one of the probably tens of thousands of other writers doesn’t guarantee customers or sustaining income.

Some considerations about a second job to make sure it’s worth it and you are actually making money in getting the extra job without ruining your health include:

Sleep Cycles

Sleeping enough and regularly is so important to good health. You don’t want to take a second jobs with weird or stressful hours that ends up messing up your sleep and decreasing your good health. Poor health will cost you much more in the long run than you’ll earn making a few extra bucks.


If it takes you a long time and some cost of gas/public transportation to get to a job where you are working 2 or 3 hours for $10 bucks an hour where you make $30 (less taxes), you’re not going to add substantially to your income. Gas is cheap right now, but there is wear and tear on your car to consider and the time it takes you to get there and back. The recent increase in remote or telecommute jobs can be a real benefit because you just work from home.