How I’ve Made All My Money - Less Debt, More Wine (2024)

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First things first, this is not a post about starting a business and growing it into amazing income, and it’s definitely not a get rich quick story. In this post, I’m going to share with you all the ways I’ve made money. Every single job and gig, going back to when I was a kid.

Sure some people get wealthy from one job or by inventing something or starting a wildly successful business. But most of us, work a job and side hustle to get ahead. While I still have tons of debt, I’ve managed to build up a decent amount of savings, over $30k in retirement savings, and have never paid a bill late.

I’ve made money over 30 different ways. Pictures are included, though they peter out as the jobs list goes, on, my mom wasn’t always there to force me to take a picture.In no particular but somewhat chronological order, here is how I’ve made all my money including the pay rate for each job:

1. Babysitting

I think I started babysitting when I was around 12 years old. I even got certified, yup the local community college had a class about babysitting that included CPR training. Though, I only remember ever babysitting for two different families. Frankly, babysitting was never really my jam. Just a way to earn a little extra money for stuff I wanted. I was really good at saving for things I wanted (I saved and bought myself a TV when I was 10).

Pay Rate: Not sure, whatever babysitters made in the late 90’s.

2.Cleaning Out Files

When I was 15, I got a job at my Mom’s office, clearing out old files. They could only get rid of files that were at least seven years old. So I took my boombox and hung out in a storage unit, going through all the files. I earned enough to buy my letterman’s jacket ($200), I still have it, picture included below.

Pay Rate: Pretty sure it was minimum wage.

How I’ve Made All My Money - Less Debt, More Wine (1)

3. Boomers! Team Member

If you’ve never heard of Boomers! it’s a family fun park. It includes an arcade, mini-golf, go-carts, bumper boats, etc. This was my first real job when I was 16. I’m still convinced it’s the reason why I don’t like children. As a team member, I floated around to working in different areas. I worked at Boomers for over a year until I went away to college.

Pay Rate: Again fairly certain it was minimum wage which was around $6.75 an hour.

How I’ve Made All My Money - Less Debt, More Wine (2)

4.Artist

I’ve mentioned on here before that I dabble in painting. I did it much more regularly when I was younger. A family friend or two even paid me to paint stuff for them. Below is a picture of me painting a pieceon the wall of a client’s bathroom.

Pay Rate:$40 – $200

How I’ve Made All My Money - Less Debt, More Wine (3)

5. File Clerk

In addition to working at Boomers! I worked at my Mom’s office (a different one than before) pulling and putting away files, sending out mail, etc. in the mornings. I didn’t have a morning class because it was reserved for the class I was taking at the community college which was actually at night. So I would go to work, then school,then sports, then work. Honestly, I have no idea how I did it back then, especially since I didn’t drink coffee.

Pay Rate: Minimum wage I thin

6. Party Hostess

After working at Boomers! for a while, I got promoted to Party Hostess. This meant serving food and cake. Helping to hand out presents and keep track of who gave what as well as distribute wristbands for the kids to go play after the party.

Fun fact, serving ice cream cake is a bitch. Also if you are going to have a party for 3-year-olds with a total of 40 people in attendance AND have an ice cream cake, you should definitely tip. I did not receive a tip. Did I mention I don’t really like kids?

Pay Rate: Slightly above minimum wage, I think I got a $0.25 per hour raise.

7. Security Desk Attendant

When I went off to college, it meant moving across the country and of course finding a job. I got one in my dorm as a security desk attendant. I would scan everyone’s IDs when they came in and sign in guests. The desk had to be manned 24/7 so asthe newbie I was the last to pick my hours.

I’ll never forget that first semester I had a 2:00 a.m. – 5:00 a.m. Saturday night shift. I also had a few other late night shifts that caused me to oversleep once or twice and miss class. It was a really good job overall; I pretty much got paid to do my homework and watch movies on my laptop.

Pay Rate: $7-$8 an hour, somewhere in there.

8. Soccer Referee

I grew up playing soccer in the local rec league. When I was 16/17, I started to referee as well. I’ll be honest I was a terrible referee, and 9/10 the parents had every right to yell at me. But every once in a while I did make a good call. Since I was a terrible ref, I only did this for one season.

Pay Rate: $20 per game (not a bad way to spend a Saturday)

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9. Cashier

I spent my first summer in college back home, I had an internship and ended up getting a job as a cashier at Big 5 Sporting Goods. It was great for putting my math major skills to good use. I was responsible for putting away merchandise, helping customers find what they needed and then processing their purchases.

On occasion, I would also prevent theft, when people would try to sneak things into the stuff they were purchasing (always check the inside of shoes).

Pay Rate:pretty sure it was minimum wage so between $7-$8

10. Peer Tutor

My second year of college, was when I was taking the highest level math class for my major. The students of that class were asked if they would be interested in tutoring. Always looking for a good hustle, I said yes, I was always in the Math Lounge (yes, there was a math lounge, and it was awesome!) anyway, may as well get paid.

I think in the two years of having that job, Itutored approximately 5 people. So it was another job where I got paid to do my homework and hang out with my math major friends.

Pay Rate: $11 per hour

11. Sales Associate at Victoria’s Secret

My second summer in college I stayed in Massachusetts and got a job at the mall working as a sales associate at Victoria’s Secret. I mostly worked in the fitting rooms, measuring for bra sizes and helping figure out what bra would work best.

BTW if you are ever shopping at Victoria’s Secret, go straight to the fitting room. They will measure you, and they have bra boxes, which have the top 6-8 bras in every size. So you can try them on and then go on the sales floor and pick the bra and color etc. and you aren’t going back and forth.

To this day friends and family ask me to help them measure to see what size bra they should be wearing. Guys that summer always thought it was cool/sexy that I worked thereuntil I explained that I got flashed by 70-year-old women on a daily basis. Guys stopped being dumb about it after I explained that.

Pay Rate: Minimum wage, except Sundays because in Massachusetts you got paid time and a half.

12. Resident Assistant

After working for ResLife as a security desk attendant for two years, my senior year I also worked as a Resident Assistant. It definitely had its ups and downs, and I was glad when I graduated. Probably one of the biggest pains was that my school was a dry campus completely. This meant no drinking, even if you were 21.

Note to all college students, so long as you aren’t being unsafe, obvious, or throwing it in the RA’s face, the RA will likely let it slide. I cannot tell you how many times I would have preferred to be taking a nap rather than filling out paperwork from a resident being dumb.

Besides busting residents when necessary, I also got to be a human smoke detector one time and break the rules by exploring the underground tunnels with a fellow RA. The song below came out when I was an RA, and it was hilarious, still is.

Pay Rate: Not nearly enough, somewhere between $100-$200 per week I think and free parking

13. Painter

Different from Artist above. The summer after I graduated college, I worked on my college campus as part of a paint crew. We would touch up dorms, classrooms, and offices. However, we were very efficient and usually ran out of work. So then we were instructed to stay out of sight and just continue to look busy. I got paid to do my summer reading before law school started.

Pay Rate: $8 an hour?

14. Law Clerk

My second year of law school I got a job at a business immigration and civil litigation law firm. Being a law clerk means you do all the grunt work. It’s great practice for being a lawyer. You draft briefs, memos, do research, and then the lawyer looks it all over and signs their name.

While it was a great learning experience, I didn’t have any interest in that area of law, but the job market was tough. I sometimes wonder if I’d gotten to work in an area I cared about, if I would have enjoyed being a lawyer a bit more.

Pay Rate: $10 per hour and then a raise to $12 per hour (BTW clients were charged $80 per hour for my work)

15. Merchandiser at Macy’s

Not sure if that title is a real word, but it meant that I got up really early to be at work around 5 a.m. to put new merchandise out on the floor and set up new displays. While it was really early, it meant that I didn’t have to interact with customers.

During Black Friday it meant keeping the floor stocked and cleaning up after the mayhem. I kid you not; I went in around 2:00 a.m. on Black Friday (store had opened on Thanksgiving) and there was a mannequin that had been taken apart, we later found the dress it had been wearing. Someone had violated a mannequin and then didn’t bother to buy the dress. People be crazy.

Pay Rate: Minimum wage

16. Foto Finish Race Worker

This was a gig I found on Craigslist when I was visiting my family in Virginia Beach. All I had to do was at the end of the race (it was the Rock N’ Roll Half Marathon) was direct runners to where they could have their picture taken. My voice was hoarse by the end of the day, but it was really fun gig overall.

Pay Rate: $75

17. Pet/House Sitting

Growing up and as an adult, I have looked after people’s pets, usually dogs. It meant going over to their houses bringing in their mail, watering plants, and taking care of the animals. I love when I get these kind of gigs, because it’s super easy.

Pay Rate: $10 – $30 per day

18. WebsiteTesting/Review

I have and occasionally still do complete website reviews for User Testing. You just have to sign up, and then they will notify you when there is a test available. Then you log on and usually answer a question or two to see if you are a qualified candidate for the test. Then you take the test and get paid.

Pay Rate: Varies, but usually $10 per test.

19. Sold/Flipped Books

I first started selling books I had no intention of rereading a few years ago, then I kicked things into high gear when I was getting ready to move from Massachusetts to North Carolina. Recently I flipped some books that I got at the thrift store.

Thrift stores are great places to buy books to flip because they usually cost $0.50 – $1 each and can be sold for a few dollars. I wrote more about selling books in my Easy Things to Sell to Make Extra Money post.

Pay Rate: Varies, I use BookScouter to find the best rate.

20. Sold DVDs

Again I started doing this a while ago, it sort of coincided with my implementing a more minimalist lifestyle. It really got kicked up a notch when I was getting ready to move. I still sell some of my DVDs from time to time just to clear some clutter.

Pay Rate: Varies, I usually got the best rates from FYE

21. Document Review

During a merger or lawsuit there is usually a ton of paperwork that needs to be reviewed, either for discovery or to ensure proper notification to all parties. Often extra attorneys and/or paralegals (some states only allow lawyers to do doc review) will be brought on to review the documents. It’s boring and tedious, but the pay in much better than minimum wage. After taking the bar, I got a document review job, reviewing documents to help finalize a big merger.

Pay Rate: $25 per hour

22. Stadium Security

I worked on a “roam team” during NFL games. Our job was to walk (occasionally run) a specific section of the stadium. We’d respond to fights, assist police in keeping patrons from walking into a situation, kick out the drunks, and check the area including restrooms before and after games to make sure everyone’s cleared. If we were bored, we’d go yell at smokers because there is no smoking in the stadium.

It was our job to make sure the rules of the stadium were being followed. Overall it was a pretty fun job. Unfortunately, I ended up with some knee injuries (not from work) that make continuing the work really difficult. If you want to know more about working at a stadium, you can read my guest post about it over on Budgets Are Sexy.

Pay Rate: A little under $100 per game + meal + parking

23. Contract Attorney

As you may know, I picked up some work drafting briefs on the side to pay off my credit card debt. A friend’s firm was overwhelmed with work and paid me to review documents and draft briefs. Each brief took 5-8 hours; it was similar to the work I did as a law clerk. I would review the documents, draft the brief and then send it back to the firm for one of their attorneys to review and sign.

Pay Rate: $300 per brief

24. Solutions Consultant

Until very recently I worked as a Solutions Consultant for a legal research and litigation solutions company. While I did a lot of different things, a lot of it boiled down to teaching how to best conduct legal research on our company’s platform and conducting sales demonstrations. It utilized my legal knowledge and gave me tons of experience presenting to audiences of all sizes (there is nothing like presenting to a room full of judges to hone your public speaking skills).

When I initially started, I had a salary and the opportunity to earn some commission when I discovered upsell opportunities that closed. Though they changed the pay structure about half-way through my time there to just have a salary, though every company utilizing solutions consultants is different.

This job also required travel and the amount of travel I did,kept increasing as time went on. When I started I covered three small states; I eventually moved to a new location covering three larger states. By the end, I was covering the majority of 5 large states. I was never home and had no life. I’m really grateful for everything I learned in this role but was also very glad to move on when I got laid off.

Pay Rate: varies by location and company $55k – $76k per year

25. Affiliate Marketing

Affiliate marketing is basically providing refer-a-friend links on a website or social media. The company you referred your friend to says thanks with a small amount of money. It is one strategy I use to help keep this site going. Though I never share links to anything I haven’t’ personally used and loved.

Right now I don’t make tons of money through affiliate marketing (some bloggers make upwards of $50k a month from affiliate marketing), but it helps with the costs of running the site. I’m working to increase my affiliate income by implementing strategies I learned from the Making Sense of Affiliate Marketing course.

Pay Rate: varies by company $0.20 – $100 per referral

[lasso ref=”affiliatemarketing” id=”11923″ link_id=”256279″]

26. Driving for Lyft

I started driving for Lyft in August 2016. When I started it was just to check it out for a potential blog post; I ended up really enjoying it, though. Admittedly I don’t drive for Lyft nearly as often anymore; I almost always drive when they are offering guaranteed rates. They do this on nights that are likely to be extra busy. Basically, they guarantee you’ll earn a certain amount per hour even if you don’t end up with too many rides. On Halloween they offered $40 per hour, I ended up driving for two hours, I only had 3-4 rides but still made close to $100.

Get started driving for Lyft today.

Pay Rate: Varies $15-$45 per hour

[lasso ref=”lyft” id=”12253″ link_id=”260365″]

27. Sold Stuff on Craigslist/Facebook Yard Sale Groups

This is something I did a lot when I first started implementing a minimalist lifestyle, back then, I had a lot of stuff to get rid of, nowadays not so much. Though before donating something I always try to see if I can sell it on Craigslist or Facebook.

Pay Rate: Depends on what you are selling, the most expensive sale I ever had was when I sold a kiln for $1000+

28. Freelance Writing

I had dabbled in freelance writing for a while when I decided to get serious in April/May 2016 and took 30 Days or Less to Freelance Writing Success. I started to really focus on finding freelance jobs in July and as a side hustle earned $3k on the side in 6 months. This was all while traveling almost every week. It is now my full-time job. In January I made over $2k, check out my latest income report to learn more.

Related: Side Hustle Series: Get Started Freelance Writing

Pay Rate: varies by client, typically $0.10 – $0.40 per word

[lasso ref=”30dol” id=”11914″ link_id=”260366″]

29. Selling Stuff on Etsy

I started an Etsy store in early 2014, after getting a sewing machine for Christmas the year before, I started making bags and loved it. Ultimately I had no clue what I was doing selling on Etsy and didn’t do a good job of promoting my store.

While I did have some sales (including one to Paris), I decided to shut down the store in early 2016 because I was no longer bothering to keep the store up to date. Having the Etsy store even motivated me to sell at a craft fair that was unsuccessful.

Pay Rate: In total, I probably made a few hundred dollars.

30. Selling Courses

Back when this site was Friday Night Shenanigans, I sold a few different courses using Teachable and did make a little bit of money. However, since going through a rebranding, I’ve taken down the courses to rethink them and what I want to offer in the future.

Currently, the only course I have available is an email course, Money 101is FREE and is designed to help you get a handle on basic personal finance concepts.

Pay Rate: $10 – $97 per course sale

31. Proofreading/Editing

Having freelanced as a writer for a while and running this site, I’ve branched out into offering proofreading and editing services. I’ve only had a few clients so far, but I find I really enjoy the work. It’s nice to do something other than writing sometimes.

Pay Rate: $2-$4 per page

What about you?

Those are all the jobs I can remember doing; it’s possible there is a gig out there I’ve forgotten about but, 31 jobs/money making gigs in 15 years is, in my opinion, plenty. What ways have you made money? Have you thought about how the collection of your experiences has influenced the work you do now?

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How I’ve Made All My Money - Less Debt, More Wine (2024)

FAQs

How can I make money to pay off debt? ›

  1. Freelancing. Many companies rely on freelancers to write, code, design and manage their online presence, products and services. ...
  2. Tutoring. ...
  3. Babysitting. ...
  4. Walking Dogs and Pet Sitting. ...
  5. Selling Stuff Online. ...
  6. Completing Gigs and Tasks. ...
  7. Driving for a Ride-Hailing Service. ...
  8. How to Choose a Side Hustle.
May 10, 2022

How do you get out of a financial hole? ›

Ways to Dig Yourself Out of a Financial Hole (Part II)
  1. Stop Shopping. ...
  2. Enlist the Help of a Friend. ...
  3. Focus on What You Have, Not What You Want. ...
  4. Rethink Family-Related Spending. ...
  5. Keep Saving for Retirement. ...
  6. Build Your Emergency Fund. ...
  7. Trim Recurring Expenses. ...
  8. Celebrate Your Progress!

How much of your paycheck should go to debt? ›

50% of your net income should go towards living expenses and essentials (Needs), 20% of your net income should go towards debt reduction and savings (Debt Reduction and Savings), and 30% of your net income should go towards discretionary spending (Wants).

How do you budget when you're in debt? ›

Here are some tips to help you get started:
  1. Create a budget. ...
  2. Prioritize your debts. ...
  3. Make more than the minimum payment on your debts. ...
  4. Consider debt consolidation. ...
  5. Set savings goals. ...
  6. Automate your savings. ...
  7. Cut back on unnecessary expenses.
Sep 19, 2023

What are the 3 biggest strategies for paying down debt? ›

What's the best way to pay off debt?
  • The snowball method. Pay the smallest debt as fast as possible. Pay minimums on all other debt. Then pay that extra toward the next largest debt. ...
  • Debt avalanche. Pay the largest or highest interest rate debt as fast as possible. Pay minimums on all other debt. ...
  • Debt consolidation.
Aug 8, 2023

How can I get out of debt with no money and bad credit? ›

How to get out of debt when you have no money
  1. Step 1: Stop taking on new debt. ...
  2. Step 2: Determine how much you owe. ...
  3. Step 3: Create a budget. ...
  4. Step 4: Pay off the smallest debts first. ...
  5. Step 5: Start tackling larger debts. ...
  6. Step 6: Look for ways to earn extra money. ...
  7. Step 7: Boost your credit scores.
Dec 5, 2023

What to do when you're in financial ruin? ›

What you can do to survive a financial crisis
  1. Talk to someone. The first step in accepting the situation you're in is to talk about it. ...
  2. Determine your assets. ...
  3. Assess your liabilities. ...
  4. Look at your income and expenses. ...
  5. Talk to a Licensed Insolvency Trustee.
Aug 19, 2022

Can I get rid of a bad credit history? ›

Fixing bad credit is a time-consuming process that often takes months. It involves contacting credit agencies and lenders to dispute inaccurate information, and these can take up to 30 days to respond to your request. They may also ask for more documentation to validate your dispute, further prolonging the process.

Is $5000 in debt a lot? ›

$5,000 in credit card debt can be quite costly in the long run. That's especially the case if you only make minimum payments each month. However, you don't have to accept decades of credit card debt.

Is $2,000 credit card debt bad? ›

Is $2,000 too much credit card debt? $2,000 in credit card debt is manageable if you can pay more than the minimum each month. If it's hard to keep up with the payments, then you'll need to make some financial changes, such as tightening up your spending or refinancing your debt.

How can I pay off $5000 fast? ›

Debt avalanche: Make minimum payments on all but your credit card with the highest interest rate. Send all excess payments to that card account. Once you pay that account off, send all excess payments to your next highest rate. Repeat until all of your debts are paid off.

What to do if you are broke and unemployed? ›

The first step is to file for unemployment with your state so that you'll have some money coming in. If you're low on cash, a credit card or checking account line of credit can help in the short term. The government has programs that can offer additional financial assistance.

What is the 50 30 20 rule? ›

The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes money you will need to realize your future goals.

What is the 50 30 20 rule of money? ›

Key Takeaways. The 50/30/20 budget rule states that you should spend up to 50% of your after-tax income on needs and obligations that you must have or must do. The remaining half should be split between savings and debt repayment (20%) and everything else that you might want (30%).

How do I pay off debt if I live paycheck to paycheck? ›

Tips for Getting Out of Debt When You're Living Paycheck to Paycheck
  1. Tip #1: Don't wait. ...
  2. Tip #2: Pay close attention to your budget. ...
  3. Tip #3: Increase your income. ...
  4. Tip #4: Start an emergency fund – even if it's just pennies. ...
  5. Tip #5: Be patient.

How can I pay off $30000 in debt in one year? ›

The 6-step method that helped this 34-year-old pay off $30,000 of credit card debt in 1 year
  1. Step 1: Survey the land. ...
  2. Step 2: Limit and leverage. ...
  3. Step 3: Automate your minimum payments. ...
  4. Step 4: Yes, you must pay extra and often. ...
  5. Step 5: Evaluate the plan often. ...
  6. Step 6: Ramp-up when you 're ready.

Is making $4,000 a month good? ›

The answer is yes, almost 1 in 3 retirees today are spending between $2,000 and $3,999 per month, implying that $4,000 is a good monthly income for a retiree.

How can I make $400 extra a month? ›

In addition to these, there are other methods you can use to hit your $400/month goal. Blogging, freelance writing, copywriting, ride-sharing, course sales, graphics designing, and landscaping are all great ways to make extra cash.

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