How to Make Money as a Stay-at-Home Mom: Top Strategies for 2024


Written by Peter Keszegh

Hey there, fellow mamas! If you're wondering how to make money as a stay-at-home mom, you're definitely not alone. 

I know firsthand the juggle of managing a household, raising little ones, and dreaming of contributing financially. It can feel like a tough puzzle to solve, but I'm here to tell you it's absolutely possible.

In 2024, the landscape of work is changing faster than a toddler changes outfits! Remote and flexible opportunities are booming, opening up exciting possibilities for moms like us to have the best of both worlds: a fulfilling career and quality time with our families.

Leveraging flexible careers

Remember when working from home was just a fantasy? Well, mama, it's 2024, and the future is here! Remote work is exploding, and it's a game-changer for us stay-at-home moms. 

No more frantic daycare drop-offs or missing out on precious milestones. Now, we can build a career on our terms, right from our kitchen tables (or, let's be real, our couches).

So, what kind of remote jobs are out there? Customer service roles are in high demand, letting you use your people skills to help customers from the comfort of your own home. 

Virtual assistants

Ever thought of being a virtual assistant? You'd be the behind-the-scenes wizard, handling tasks like email management, scheduling, and social media for busy entrepreneurs. And if you're a data whiz, data entry positions can be a great fit, offering flexibility and steady income.

Where to find remote jobs?

But where do you find these magical remote jobs? Start with online job boards like FlexJobs, Indeed, and LinkedIn. Many companies also list remote positions directly on their websites. 

Also, remember freelance platforms like Upwork and Fiverr, where you can connect with potential clients looking for your specific skills. 

Just remember, your resume and cover letter are your first impression, so make them shine! Highlight your relevant experience and showcase your ability to work independently and get things done.

A stay-at-home mom carrying her baby while she is working

Remote job hunting tips

  • Target your search: Focus on job titles and industries that align with your skills and experience.

  • Network, network, network! Use social media to connect with other remote workers and home moms and share tips and leads.

  • Highlight your flexibility: Emphasize your ability to manage your time effectively and meet deadlines.

Top remote job boards

  • FlexJobs

  • Indeed

  • LinkedIn

  • Upwork

  • Fiverr

Crafting your remote resume

  • Lead with a strong summary: Showcase your most relevant skills and experience right upfront.

  • Highlight your remote work skills: Emphasize your ability to communicate effectively, manage your time, and collaborate remotely.

  • Tailor your resume to each job: Use keywords from the job description to show you're a perfect fit.

  • Proofread carefully: Typos and grammatical errors can be a major turn-off for potential employers.

Building your own work schedule

Alright, mamas, let's talk about the F-word: freedom. And no, I'm not talking about freedom from diaper duty (although wouldn't that be nice?). I'm talking about the freedom to set your own hours, choose your projects, and build a career that fits your life, not the other way around. That's the beauty of freelance work!

The gig economy is booming, and there's a huge demand for talented freelancers with all sorts of skills. Do you love to write? Freelance writing gigs are always available, whether for blog posts, articles, or website copy. 

Have an eye for detail? Editing and proofreading can be your jam. If you're a creative soul, graphic design, illustration, or even voiceover work could be your calling. And if you're a social media maven, businesses are always looking for social media managers to help them connect with their audience.

Put yourself out there

In addition to the online marketplaces I mentioned earlier, you can also create content on your own social media platforms!

A stay-at-home mom working on a gig while her child is watching

Don't be afraid to put yourself out there on LinkedIn and Twitter to showcase your skills and connect with potential clients. 

And hey, a little cold pitching never hurt anyone! Reach out to businesses you admire and let them know how you can help them shine.

Setting yourself up for freelance success

  • Define your niche: What are you passionate about? What are you really good at?

  • Set competitive rates: Do your research and charge what you're worth. Remember, you're a professional!

  • Build your portfolio: Showcase your best work to attract potential clients.

  • Communicate clearly: Set clear expectations with clients and deliver on your promises.

  • Manage your time: Freelancing offers flexibility, but you still need to be organized and meet deadlines.

Crafting your freelance pitch

  • Personalize it: Address the client by name and mention something specific about their business that you admire.

  • Highlight your skills: Briefly explain how your unique skills can solve the client's problems.

  • Keep it concise: Get to the point quickly and make it easy for the client to say yes.

  • Include a call to action: Invite the client to schedule a call or meeting to discuss the project further.

Short-term work for quick cash

Need to make some quick cash? Maybe you're saving up for a family vacation, or maybe you just need a little extra padding in your budget. That's where the gig economy comes in! It's a fantastic way for stay-at-home moms to earn money on their own schedule, without the commitment of a full-time job.

Think of the gig economy as a giant buffet of flexible work opportunities. You can pick and choose the gigs that fit your skills, interests, and schedule. Love to teach? 

Online tutoring platforms like VIPKid and TutorMe connect you with students all over the world. Enjoy driving? Rideshare services like Uber and Lyft let you earn money on your own time. And if you're an animal lover, dog walking or pet sitting through apps like Rover can be a fun and rewarding way to make some extra cash.

A stay-at-home mom working on her project while her child is playing

Be strategic

The key to success in the gig economy is to be strategic. Choose reputable platforms with good reviews and fair payment structures. 

Be realistic about how much time you can dedicate to gig work, and don't overcommit yourself. And always prioritize your safety when meeting with clients or customers.

Gig economy tips for success

  • Do your research: Choose platforms with a good reputation and fair payment structures.

  • Set your schedule: Be realistic about how much time you can dedicate to gig work.

  • Market your skills: Create a strong profile on your chosen platforms, highlighting your experience and qualifications.

  • Provide excellent service: Go above and beyond for your clients to build a positive reputation and earn repeat business.

  • Stay safe: Always meet clients in public places and let someone know where you're going.

Popular gig economy platforms

  • VIPKid (online tutoring)

  • TutorMe (online tutoring)

  • Uber (rideshare)

  • Lyft (rideshare)

  • Rover (pet care)

  • TaskRabbit (task-based gigs)

Managing your gig economy time

  • Block out your schedule: Set aside specific times for gig work and stick to it.

  • Use a scheduling app: Keep track of your appointments and deadlines.

  • Set boundaries: Don't be afraid to say no to gigs that don't fit your schedule or interests.

Turning passions into profits

Alright, mamas, let's get crafty! Did you know your hobbies and passions could be your ticket to financial freedom? It's true! In 2024, there are more ways than ever to turn your creative skills into cold, hard cash. And the best part? You can do it all while still being the amazing mom you are.

So, what are some side hustle ideas that are perfect for stay-at-home moms? If you're a DIY queen, try your hand at making and selling handmade goods. From candles and soap to jewelry and home decor, the options are endless.

A stay-at-home mom working on a side hustle after preparing breakfast

Platforms like Etsy make it easy to set up an online store and reach customers worldwide. If you're a whiz in the kitchen, why not sell your baked goods or homemade meals? 

Like a business

You can even offer cooking classes or catering services. And if you have a knack for teaching, creating and selling online courses can be a lucrative way to share your expertise.

The key to success with any side hustle is to treat it like a business. That means setting goals, tracking your income and expenses, and marketing your products or services. 

Social media is a powerful tool for reaching potential clients, and you can even collaborate with other mompreneurs to cross-promote each other's businesses.

Side hustle ideas for stay-at-home moms

  • Handmade goods: Jewelry, candles, soap, home decor

  • Baked goods and meals: Cookies, cakes, bread, prepped meals

  • Online courses: Share your expertise on topics like parenting, crafting, cooking, or fitness.

  • Freelance services: Offer your skills in writing, editing, graphic design, or social media management.

  • Virtual assistant services: Provide administrative support to busy entrepreneurs.

Setting up your online store

  • Choose a platform: Etsy, Shopify, and WooCommerce are popular options.

  • Create high-quality product photos: Make your products look irresistible.

  • Set competitive prices: Research similar products to determine fair pricing.

Marketing your side hustle

  • Social media: Use platforms like Instagram, Facebook, and Pinterest to showcase your products or services.

  • Local events: Participate in craft fairs or farmers markets to connect with customers in person.

  • Collaborate with other mompreneurs: Partner with other stay-at-home moms to cross-promote each other's businesses.

Balancing work and family

Okay, let's be real for a minute. Being a stay-at-home mom who also works from home is a juggling act worthy of a circus performer. But with the right strategies and a whole lot of self-compassion, you can absolutely find a balance that works for you and your family.

A stay-at-home mom playing with her child

The key is to be intentional about how you spend your time. Create a schedule that realistically incorporates your work tasks alongside your childcare and household responsibilities. 

Time management tools

Software like Trello, Asana, or even a good old-fashioned planner can be lifesavers. Experiment with different techniques, like time blocking or the Pomodoro method, to see what helps you stay focused and productive.

Remember, it's okay to ask for help! Don't be afraid to delegate tasks to your partner or older children or even hire a babysitter or cleaning service if you can. Schedule time for self-care activities like exercise, meditation, or simply relaxing with a good book.

If you can answer “how to make money as a stay-at-home mom” without sacrificing family time, you’re good to pursue whatever you are thinking. 

Time management tips for stay-at-home moms

  • Create a schedule and stick to it: Set aside specific times for work, childcare, household tasks, and self-care.

  • Use a time management tool: A planner, app, or online tool can help you stay organized and on track.

  • Set realistic goals: Don't try to do it all at once. 

  • Delegate tasks: Ask for help from your partner, family, or friends when you need it.

  • Prioritize self-care: Take time for yourself to recharge and avoid burnout.

Balancing act: work and family

  • Communicate with your family: Let your loved ones know when you need to focus on work and when you're available for family time.

  • Celebrate your successes: Don't forget to acknowledge and celebrate your accomplishments, both big and small.

Self-care for busy moms

  • Exercise: Even a short walk or yoga session can do wonders for your energy levels and mood.

  • Meditation or mindfulness: Spend a few minutes each day quieting your mind and focusing on the present moment.

  • Connect with friends: Schedule regular coffee dates or phone calls with friends to stay connected and de-stress.

  • Do something you love: Whether it's reading, crafting, or simply taking a relaxing bath, make time for activities that bring you joy.

A stay-at-home mom helping her child on her assignment

Legal and tax considerations for your home-based business

Alright, mamas, let's get down to business... literally! While all these income-generating ideas are exciting, it's important to understand the legal and tax implications of running a business from home. 

Don't worry, I'm not going to bore you with legal jargon, but I do want to make sure you're set up for success from the get-go.

If you're just starting out, a sole proprietorship might be the simplest option. It's easy to set up and doesn't require any fancy paperwork. 

Consider building an LLC

But if you're planning to grow your business or want to protect your personal assets, an LLC (Limited Liability Company) might be a better choice. It offers more legal protection and can have tax advantages.

Next, let's talk taxes. Yes, even stay-at-home moms who are making money need to pay their fair share to Uncle Sam. But don't panic! There are plenty of deductions available for home-based businesses, like expenses for your home office, supplies, and even childcare. 

Keep track of all your income and expenses throughout the year, and consult with a tax professional if you have any questions.

Contracts and agreements

And finally, don't forget about contracts and agreements. Whether you're freelancing, selling products online, or offering services, it's crucial to have written agreements in place with your clients. 

This protects both you and your client and ensures everyone is on the same page about the scope of work, payment terms, and other important details.

Legal and tax tips for mompreneurs

  • Choose a business structure: Decide whether a sole proprietorship or LLC is right for you.

  • Track your income and expenses: You can use a spreadsheet, accounting software, or even a notebook to manage your finances.

  • Consult with a tax professional: They can help you understand your tax obligations and maximize your deductions.

  • Create contracts and agreements: Put everything in writing to protect yourself and your clients.

  • Get insured: Consider liability insurance to protect your business from potential risks.

A stay-at-home mom helping her child on his school work

Resources for legal and tax help

  • SCORE: Offers free mentoring and resources for small business owners.

  • Small Business Administration (SBA): Provides information and resources on starting and running a small business.

  • Your local chamber of commerce: Can connect you with local resources and business support services.

  • Tax professionals: Consult with an accountant or tax attorney to get personalized advice on your specific situation.

Remember, running a home-based business is a learning process. Don't be afraid to ask for help and seek out resources to ensure you're doing everything legally and responsibly. With a little preparation and guidance, you can confidently build a thriving business while still being the amazing mom you are!

Budgeting and saving for the future

Okay, mamas, let's talk money! Whether you're earning a few hundred bucks a month or raking in the dough, it's important to have a plan for your hard-earned cash. 

Think of your budget as a roadmap for your money. It helps you track your income, allocate funds for expenses, and set aside savings for your future goals. It might sound boring, but trust me, it's incredibly empowering to know exactly where your money is going and how much you can save.

List where you earn money

Start by listing all your income sources, including your side hustle earnings, remote job income, or any other sources of making money. Then, list all your expenses, both fixed (like rent, mortgage, utilities) and variable (like groceries, entertainment, clothing). 

Be honest with yourself about your spending habits, and don't forget to include those little splurges like your daily latte or weekly takeout.

Once you have a clear picture of your income and expenses, you can start setting financial goals. Maybe you're saving up for a down payment on a house, your child's education, or a family vacation. Whatever your dreams are, put them down on paper and create a plan to achieve them.

A stay-at-home mom carrying her child while he is playing

Budgeting tips for stay-at-home moms

  • Track your income and expenses: Use a budgeting app, spreadsheet, or notebook to manage your finances.

  • Create a realistic budget: Don't set yourself up for failure by creating a budget that's too restrictive. Allow for some flexibility and fun money.

  • Review your budget regularly: Your income and expenses will likely change over time, so it's important to review your budget regularly and make adjustments as needed.

Saving for the future

  • Automate your savings: Set up automatic transfers from your checking account to your savings account to make saving a habit.

  • Take advantage of tax benefits: If you're self-employed, you may be able to deduct business expenses from your taxes.

  • Consider investing: If you're comfortable with some risk, investing can be a great way to grow your money over time.

Financial resources for stay-at-home moms

  • The Penny Hoarder: Offers practical tips and advice on budgeting, saving, and making money.

  • Mint: A free budgeting app that helps you track your spending and set financial goals.

  • You Need a Budget (YNAB): A popular budgeting system that teaches you how to give every dollar a job.

  • Ellevest: An investment platform designed specifically for women.

  • The Balance: Offers a wealth of information on personal finance topics, including budgeting, saving, and investing.

How to make money as a stay-at-home mom: the reality

Now that we've explored some exciting income-generating strategies, let's have a real talk. Making money as a stay-at-home mom is totally doable, but it's not always sunshine and rainbows. 

First of all, let's address the elephant in the room: time management. Finding the time to work while caring for your family can feel like an impossible task. But with careful planning, prioritization, and a healthy dose of flexibility, you can make it happen. 

Consider waking up early before the kids are up, working during nap times, or staying up late after they've gone to bed.

A stay-at-home mom with her husband and their baby

Managing expectations

Another challenge is managing expectations. When you're first starting out, it's unlikely that you'll be raking in the big bucks right away. Building a successful side hustle or freelance career takes time, patience, and perseverance. 

But don't let that discourage you! Every little bit counts and even a small income can make a big difference in your family's finances.

Real talk: challenges and rewards

  • Time management: Finding the time to work while caring for your family can be a major challenge.

  • Managing expectations: Building a successful side hustle or freelance career takes time and effort.

  • Earning potential: Be realistic about your income goals and focus on progress, not perfection.

  • Balancing act: Juggling work and family can be stressful, but it's also incredibly rewarding.

  • Personal growth: Starting a side hustle or remote career can help you develop new skills, boost your confidence, and achieve your goals.

Overcoming challenges

  • Set realistic goals: Don't try to do it all at once. Start small and gradually increase your workload as you get the hang of things.

  • Prioritize: Focus on the most important tasks and don't be afraid to say no to things that aren't a good fit for you.

  • Ask for help: Don't be afraid to ask your partner, family, or friends for help with childcare, household chores, or anything else you need.

  • Take breaks: Don't burn yourself out. Schedule in regular breaks to recharge and avoid overwhelm.

  • Celebrate your wins: Take the time to acknowledge and celebrate your accomplishments, both big and small.

I hope this realistic look at the challenges and rewards of making money as a stay-at-home mom is helpful! Remember, you're not alone in this journey, and there are countless resources and communities available to support you.

The takeaway

Alright, mamas, there you have it! We've explored a wide array of strategies on how to make money as a stay-at-home mom in 2024. You can pursue flexible careers, freelance gigs, creative side hustles, and even passive income streams like creating a YouTube channel or selling digital products.

Remember, the best approach is the one that aligns with your skills, passions, and schedule. Whether you choose to leverage flexible careers, freelance gigs, side hustles, or a combination of different paths, the key is to manage your time effectively and prioritize your financial well-being.

It's time to take action! Embrace the opportunities that 2024 has to offer and embark on your journey towards financial empowerment. You've got the skills, the drive, and the love for your family to make it happen!

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