My Top 8 Side Hustles

Side hustles are a great way to make extra income to start tackling debt. I have multiple side hustles that I have used to pay my grocery bills and to start paying off my credit card. Here are my top picks for side hustles.

  1. Tutoring

    This is a great option if you specialize in a subject. I am a chemistry teacher so I tutor chemistry on the side. Depending on your experience with the subject and the level of student you work with, you can charge from $40-$75 dollars per hour. There are many online platforms that are great ways to build a client base and find tutor jobs. I began tutoring through an online site called Wyzant. Wyzant is great because you can tutor students in person or through their online platform. I have enjoyed seeing what chemistry students are learning across the country. You can also set up your tutoring as a private business. Most of my tutoring now is done through my private business. The private business takes longer to build but once you build it, you do not have to worry about giving a percentage of your fee to the company. A great way to get started is by posting your information at the library or a coffee shop. You can also check your local school district to see if they have a tutor list. Our district has a list of recommended tutors by subject so when parents call they will pass along information. I make about $250 extra dollars per week with my tutoring business. It is a great way to make good money in a short amount of time.

  1. Curriculum Development Opportunities

If you are a teacher, check and see if there are any curriculum development opportunities that pay. I have participated in summer curriculum writing with my district for multiple years. I enjoy it because I make a little money and get to improve my instruction for the following year.

You can also look into Writing questions for online websites/testing companies and selling resources on teachers pay teachers. I write questions for a few companies and have made some extra cash doing so.

  1. Bartending

If your schedule is busy and you do not want to commit to bartending during the school year look for seasonal opportunities. Bartending at concert venues, sporting events or weddings are great ways to make extra cash without having to work as frequently as bartending at a restaurant.

  1. Dog walking

There are many websites out there where people post for dog walkers. This is a great opportunity if you are free around lunchtime or in the afternoon.

  1. Babysitting

There are also many babysitting websites. Teachers are perfect for summer Nannying jobs since we have experience working with children year round.

  1. Working part time at a gym

Since my budget is so tight, I feel guilty about paying for a gym membership but working part-time at the front desk or cleaning equipment is a great way to cut the expense of a monthly gym membership.

  1. Blogging

Blogging will not bring in the money immediately, but if you enjoy writing and networking with other people online It will bring in some cash.

  1. Selling Crafts on Etsy

Do you like to paint, draw or decorate? You can sell your crafts online to make some side cash.

How I Saved $550 in Bills per Month


When I first graduated college, I did not struggle with my bills because my loans were in deferment. After the six-month deferment period was up, all of a sudden I was in trouble because I had to pay my rent, utilities, cell phone, car payment, car insurance and student loans. I was in sticker shock because I did not realize that about $40,000 dollars of student loans would amount to a monthly payment of about $600. This is something I wish I was showed how to calculate before I went to college. Now this is a priority conversation that I have with my students as we talk about college applications. I needed to find a way to cut back on some of my bills and here is how I did it.

  1. Apply for an Income-Driven Repayment Plan for your Student Loans

Did you know that this is an option? Most of my teacher friends have never heard of this and it has been a lifesaver for me. If you have taken out Federal Loans you can go to the Federal Student Aid Site and look under the Repayment and Consolidation menu there is a place to complete and Income-Driven Repayment Application. There are four different types of plans that you can learn about on the site. Once you fill out the application, your loan provider will determine your eligibility and if you are eligible your provider will select the appropriate plan based on your income and student loan balance. This saved me $400 dollars a month. My plan went from an unmanageable $600 per month to a total of $200 per month.

You will also want to check and see if your student loans are eligible for the Public Service Loan Forgiveness Program. Some loans in specific career areas are eligible for forgiveness after making 120 payments. Why pay the full amount on the loan if you can apply for income-based repayment and pay the minimum and have the balance forgiven after 10 years? This program has made my loan payments manageable and has made my main focus for paying off my debt my credit card.

This is definitely worth looking into and is not just for teachers. If you have questions about the process, feel free to contact me and I can help guide you through the process.

  1. Make a “Framily” cell phone plan

Most cell phone providers offer a family plan to reduce the cost of cell phone bills for a family. As a single person, I struggled with my cell phone bill because having my own smartphone plan with data cost over $100 per month. So I got together with my friends and we made a friend-family plan, hence “Framily” and split the cost of the bill between everyone on the plan. This made it cheaper for everyone and got the cost to less than $100 dollars per month. It is easy to pay each other month to month with services like Venmo.

  1. Compare Car Insurance Plans

I began to notice that my car insurance plan seemed to go up at the end of every term and that I was spending more money than I needed for the coverage that I need. I called my car insurance provider and asked them if they had any cheaper plans and compared their rates to other companies. After doing the cost comparison, I was able to switch to a cheaper plan and save $40 dollars per month for similar coverage.

  1. Cut the Cable Bill

This is a great way to save money. My cable bill cost about $80 per month and I am not home enough to watch TV. I switched over to Netflix and now I pay less than $10 per month and still get to watch great TV shows.

Making these four simple changes helped me save over $550 in bills per month. That money has helped me pay for other bills and grocery expenses. Once I have found ways to minimize spending, I needed to find ways to increase my income to start tackling my credit card bill. Stay tuned for my post about Side Hustles to see how I started to make extra income.

My Story

Hi everyone and welcome to my blog. My name is Allison. I am a high school chemistry teacher. I love my job and I love working with young adults. I am starting this blog to track my journey out of debt and to help inspire others to start their journey. Since graduating college I have accumulated about $40,000 in student loans and over $10,000 in credit card debt (sorry mom). I got to a point where my teaching paycheck was just enough to break even on paying my bills and I was using my credit card to pay for groceries and gas. Instead of sitting around, I decided it was time to do something about it and set the goal of paying off my debt in 2017. My goal is to get to a financial place where I do not feel guilty about splurging on a monthly gym membership and to get to a point where I can travel frequently. This blog is a place where I will share my strategies for conquering debt and document how to start a successful blog. I hope you will follow along with me on my journey and that this blog can help inspire you to start paying off your debt too.