Whoops! Unexpected Money Loophole Disclosure. How Stay-at-home mums are really making bank doing this

In the modern day, working moms are the rule rather than the exception. Seventy percent of moms with kids under 18 work, and more than 75 percent of those moms work full time. In fact, mothers are the primary or sole earners for 74 percent of U.S. households with children under 18. Making money while you’re parenting requires work that accommodates the demands of your busy life. Many moms need jobs that allow them to work from home.

Entrepreneur.com has culled suggestions on ways to make money from home. While the majority of these ideas require computer and internet access, the majority of these suggestions have low to zero startup costs and require little to no additional schooling.

Virtual tutor

Virtual tutoring is a good way for moms to create convenient schedules and use their expertise in subject matters or test preparation from the comfort of their own homes. Virtual tutors use FaceTime, Skype, Google Hangouts and other technologies.

Tutoring doesn’t require in-state teaching certification, but the majority of companies hiring ask for a bachelor’s degree and some sort of demonstration of expertise in a subject through an exam or other type of assessment. Many tutoring companies offer convenient online training modules. If you already have some experience either in teaching or tutoring, that’s an excellent start and experience you want to emphasize.

The median hourly wage for a tutor is $23.23. Do a quick online search of tutoring wages in your area to manage your expectations and set your price.

Tutors in math (all grades, as well as the math used on the SAT and ACT) are always in high demand, as well as in physical science subjects (physics, chemistry, earth science) and English (critical reading and reading comprehension for test taking), writing (essays) and ESL (grammar, test preparation and English for Specific Purposes, e.g. specific occupations).

You can create a profile for virtual tutoring companies, which will allow you, in most cases, to be contacted by clients, or you can “bid” on clients looking for tutors. Check out the tutoring companies and marketplaces, including Wyzant, Tutor, Revolution Prep and Course Hero, to get started. 


We’ve all gotten calls from telemarketers, possibly trying to sell a bundled internet and cable package or alternative electricity and gas. Telemarketers often get phone hangups. But the upside of telemarketing is that it’s an excellent work-from-home option and the hours come in shifts that may work for your life demands as a mother. Also, you don’t need a bachelor’s degree or a lot of training, so the entry barrier is relatively low.

What you do likely need for this job, which requires making multiple calls to sell products, conducts surveys and solicit donations, is to be articulate, friendly and thick-skinned. If you have any sort of sales experience, that can work for you.

Telemarketers can make, on average, $10.50 per hour. To find this sort of work, you can simply search through job sites such as Upwork, Glassdoor, Monster, Indeed or FlexJobs. Type in “telemarketing” or “telemarketing” into the search box with your specific parameters.


A transcriber types out a script, and while that sounds simple, the work requires fast and accurate typing skills. Other things you will need for the job are good headphones, a computer and word processing software, such as MS Word. A foot pedal that controls the audio recording or video can be helpful. Transcription work can be a good for a mom’s lifestyle, because it can be done remotely and doesn’t require a long ramp-up period to train or get to work. However, be aware, transcription may seem like it’s just typing, but it definitely requires concentration and time. This job can suit a parent who has children in school, or with relatives close by willing to look after the kids.

Typically transcription work comes in daily and requires a quick turnaround, so the day-to-day workload is often unpredictable, unless you work as a transcriptionist for a specific company as opposed to working as a freelance transcriptionist registered on various gig and freelancer sites.

The average median hourly wage for a transcriptionist in the U.S. is $15.39 an hour. If you’re interested in building a more stable job from this opportunity, such as in medical transcription, which tends to pay more, you’ll require more training.

To get started, you can do a search of “transcription” or “transcriber” on job sites such as Glassdoor. Or you can register as a freelance transcriber on job marketplace sites such as TranscribeMe, Go Transcript, UpWork and Scribie.

Virtual assistant

A virtual assistant performs remote tasks across a number of fascinating industries, but the core of the job is administrative. Most of us have booked travel, arranged catering for meetings, done expense reports, maintained a calendar, performed general research and other administrative tasks — these are among the skills you want to emphasize for the job, along any other organizational or administrative experience you possess.

The beauty of the job is that it can be done from home, and it can be done on a freelance basis — some gigs last a day, some for weeks or months. The median salary for this position is $15.65 an hour, and like any assistant, virtual ones need to be good on the computer and well-organized and deliver what is asked. Having a good phone and email manner helps. You can kick off your job search by looking for “virtual assistant” on job sites such as FlexJobs, Upwork, Remote.co, ZipRecruiter and Freelancer.com.


A job as a babysitter encompasses various roles, such as picking up a child from lessons or school, helping with homework, making dinner and giving baths. In other words, responsibilities that any parent is already familiar with. While working as a full-time babysitter would be a tough fit for the life of a stay-at-home mom, working as a part-time babysitter may work, depending on your schedule and the age of your child or children.

While you can always go the route of running a daycare business from your home, that would require ramp up time and the proper state licenses and permits. (Researching the National Database of Child Care Licensing Regulations can help you figure that out.) However, if you wish to skip the hassle of running a daycare business, then stick to babysitting and make sure that you’re not mistakenly running a daycare business. For instance, in New York State, “Any child day care program planning to serve three or more children for more than three hours a day on a regular basis must obtain a license or registration.” 

You can offer your childcare services through word of mouth as well as through social media and personal networks. Put up flyers or signs where parents would be, such as at schools and local stores that carry children’s products or specialize in kid activities. Get permission first.

Also, try leveraging online job marketplaces such as Care.com, Urbansitter.com and Sittercity.com, which connect childcare and babysitting professionals with jobs. Or you can look on Snagajob, a general jobs website for hourly work.

The hourly wage for babysitting and nanny services vary, depending on the responsibilities (such as if you’re asked to tutor) and geographical location. The average babysitting rate in 2017 was $16.20 per hour, according to the Care.com 2017Babysitter Survey. However, you can research using a tool that accounts for the average rate in your area.  

Customer service representative

This hourly position has a relatively low barrier for entry, which is helpful for moms or dads who want to work from home and don’t have the time for too much additional training and education. The job of a call service representative is typically taking inbound calls and helping customers. The work is in shifts, and because you’ll be interacting with a lot of people over the phone, some who probably are frustrated or upset, having a knack for staying calm, friendly and solution-focused is a plus.

The role of call service representative typically requires a GED and a year of experience, so when applying emphasize any experience you’ve had in customer service or in jobs that have asked you to assist people over the phone and problem-solve. Most call service representative jobs come with training. The median pay for customer service rep in the U.S. is $13.60 an hour.

To kick off your search for this type of work, look on job sites for job titles that include “Customer Care Representative,” “Customer Success Specialist,” “Call Service Representative,” “Client Service Representative” and “Client Success Specialist.”

Online expert

The gig economy and freelancer marketplace have opened an online market for moms who can sell their expertise from home. Moms with professional degrees in a variety of high-skilled areas, such as accounting, law, medicine, social sciences, grant writing, marketing or veterinary medicine, can create their profiles on expertise marketplaces, where clients can either select you for your services or where you can bid on work.

Among the places where you can get started is on the consulting and coaching platform Clarity.fm, where experts get paid by the minute to talk to clients over the phone or online. Or offer your expertise on JustAnswer, where potential clients post questions online and registered experts (e.g. doctors, lawyers, antique appraisers, engineers, essay experts and many more) bid to answer the question.

Some other gig platforms where you can sell your expertise may take you out of the house: Fiverr (the marketplace is geared toward services required by the lean entrepreneur, e.g. digital and video marketing), TaskRabbit (household and errand services), Amazon’s Mechanical Turk (mostly menial repetitive computer tasks), Amazon Home Services (handyman services) and Upwork (another marketplace also geared toward services needed by lean businesses). These marketplaces vary in the range of required expertise and pay per assignment.

Another way for mothers to earn by offering their expertise online? Create a class in your area of expertise (personal finance, public speaking or fundraising) on one of the many online learning platforms. This would require considerable work in the front end: Recording video lectures, creating a class syllabus and coming up with assignments. However, once the work is done, you simply have to post your class and get a percentage of the sales. Some online learning platforms to consider are Zeqr, Skillshare and Uscreen. Pay models vary, but typically you get a percentage of the sales combined with royalties calculated by minutes of your videos watched.

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