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Great Tips and Advice for Managing Your Money

Making Ends Meet if You’re Unemployed

Being out of work can be stressful, but there are some ways to make money on the side while you look for a new job. Along with working side jobs, you can find new ways to save money each month to help you plan for the future. Use this guide for advice on making ends meet and staying afloat while between jobs.

The art of the side hustle

The COVID-19 pandemic has been devastating to some industries such as hospitality, entertainment, and travel. If you worked in one of those industries and you’re out of work, it may be necessary to find a new way to make money. Consider what strengths you have that could allow you to make money on the side, whether it’s writing, caring for animals, or tutoring students.

If you like to write, you’re in luck: there are countless writing gigs you can get online. The challenge is in finding opportunities. One great way to connect with potential clients is through online job boards and freelancer websites. You can create a profile, set your rates, and bid on projects that appeal to you. If you have a client that you work well with, it could even turn into a regular gig.

For people who are good with animals, it’s possible to make money walking dogs or pet sitting. There are a few handy apps out there to help dog walkers connect with pet owners, so do some research and apply online. Or if you’d rather go at it alone, you can start advertising your services on local neighborhood forums or social media groups.

Tutoring is another side-hustle option, especially if you’re good at a particular subject. For example, if you’re a math whiz, you can start tutoring students of any age online. Tutoring can be perfect for those who want a flexible schedule and want to form connections with people.

Starting a business

If you generate enough clients in your side hustle to sustain you long-term, it might be worth looking into starting your own limited liability company or LLC. An LLC is a useful business structure because it allows owners to protect their personal assets and gain some tax advantages.

You can form an LLC in Ohio on your own or hire a formation service to help you. Just be sure to check the regulations in your state to ensure you’re following the necessary requirements for business formation.

Revamp your budget

Along with earning extra money, it’s a good idea to revamp your budget so you can curb unnecessary spending. Many people spend far more each month than they realize, and without a budget, it can be hard to reign in the extra spending. Create a budget to help you plan for every expense, and keep track of your spending so you can find new ways to save.

Along with allowing you to save money each month, budgeting also allows you to save for the future. Once you determine a few ways to save on your monthly spending, you can create savings accounts to put away money for bigger purchases or an emergency fund. The pandemic has illuminated the need for emergency funds, so do what you can to put aside money for a rainy day, if possible.

Even if you’ve been out of work for a while, it’s still possible to kickstart your earnings with a side hustle. Whether it’s writing, dog walking, or tutoring, side jobs can help you get back on your feet financially and will help give you confidence as you rejoin the workforce. Be sure to adjust your spending habits with a new budget and put away money when you can for emergency funds.

Writen for America's Loan Company by Emma Grace Brown

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