To consider Only Fans

Get your kids to pay! I’m sorry but with your salary they must get some form is student loans! Which is for living, I’d never let my mother whore herself out if I had money. If you need a couple £100 charge them that! I’m sure they would be happy to pay rather than you sell yourself.

@Daydreamnotbeliever Don't bank on remaining anonymous. One, the other guy will possess the unedited originals. Two, AI will become more able to trawl unrelated information from multiple sources and piece together elements and metadata to identify you (a bit like the way DNA became able to solve cold criminal cases).

Prostitution is a grim way to earn money OP and it leaves lasting scars. Not to mention the example you'd be setting to your children.

Also, your friend with benefits sounds a bit pimpy...

There are two ways to tackle this sort of situation: one is to increase income, the other is to reduce outgoings. You need a plan, and ideally not one where pornographic images follow you around for the rest of your life.

1. Family meeting, everyone together. I know that the children are aware of the situation, but how can you make savings as a household? What can everyone contribute? In these situations every penny counts. My suggestions are obviously random and I dont' know how you houehold runs - I'm just throwing things out there to give examples. So - stop using the tumble dryer and swap to using a dehumidifier to dry clothes? Change your current bank account to one that gives you a bonus for joining? Use tooGoodToGo for cheap groceries and treats? The children can pick them up! I make my own butter nowadays, its more than £1 cheaper to make than buy and literally takes 10 minutes with an electric mixer. Swap to an electricity supplier that gives you half price or free electricity at certain times. Less meat, veggie curries and stews batch cooked. The children work 1 hour extra a week each and put that into the communal pot. Routinely use cashback sites. Make a plan together.
2. Advice re benefits and career support for your eldest. I'm very out of touch - I've never really dealt with PIP - but specialist benefit advice, if you haven't already had it, might help, at least you would be really sure you've looked at all options.
3. Increasing income - when I need to do this in a pinch care work is good. Zero hours contracts, so you only work when you can. Lots of the work is early morning/late evening/weekends - and if you can only work some weekends, thats fine, and the rotas are only really done a week ahead. Not a huge hourly rate but a good option. Secret shopper jobs as well - it doesn't pay well but you choose your jobs and get to keep what you buy. I don't know what your degree is in, or your other skills, but on line tutoring? Focus groups?

You are doing amazingly well. Just sit down and think it all through. I know its hard ot carve out the time but this is a real priority. Good luck.

You just tell your kids how much you expect them to contribute per week/month and they use their loan/wages to give it to you. Obviously a reasonable amount.

You are not being an unreasonable parent if you do that.

Maybe when it first started you could have earned something but someone older who is faceless isn’t going to go far. It’s so oversaturated, I’d look for something else.

It’s on the first line of the table on the government website - min maintenance loan for students living at home is £3907 each year per student.

And that min maintenance loan is for kids whose parent/s earn £60k per year or more.

Kids whose parent/s earn £40k would get much more than £3907 per year as the highest loan paid is £8877 per student per year. So ops kids are entitled to somewhere between £3907 and £8877 each per year and the one in their final year has presumably being getting the loan for a few years.

https://www.gov.uk/government/publications/tuition-fees-and-student-support-2025-to-2026-academic-year/support-with-living-costs-2025-to-2026-academic-yearon

Those posting, who do not have uni age children, will not realise that what is missing from the OP is exactly how much her two uni students are getting as gov maintenance loans.

In a household earning £60k a year for the 25/26 academic year, each child is entitled to £3,907 ie £7,614 tax free for the two. But since the op is earning £40k, her children would be entitled to even more than £7,614 plus they have part-time jobs.

Op you have never said how much your kids get - you have implied it’s not much but I can’t see how that is true.

That said, if you are going in your mind “I don’t like my current job and think only fans is an easier and better one of making money” then go for it if that’s what you want to do. But don’t put this on your children that your biggest expense is food because you could ask them to contribute. If your kids at uni are not spending most of their maintenance loans on food - what are they spending it on?

Talk to your manager and if necessary put in a formal flexible working request - explain that you need to have a firmer schedule so that you can fit in a weekend job. Then get a weekend job. Really think about how to save money on food - cutting out any ready meals and luxuries, and focusing on cheap and healthy batch buying and cooking. Help your children to get work in the holidays, and ask them to pay you for food at least during the holidays. Think through all the options for doing a part time gig online (not pornography).

Very few women make enough on only fans to make a living worth selling your own dignity and the respect of your children for.

And then you have the risk of your children or their friends, friends parents, teachers etc. coming across any 'content' you have made, and the consequences of that. Because if only one person sees it that knows you it will soon spread like wildfire. And the fact someone you know was on there looking in the first place will be lost, but you and your children will bear the social and psycological brunt.

Urrghhh I hate this race to the bottom of "get a higher paying job"
A wage should be enough to cover the essentials, especially a graduate profession
I'm in health care and i hear this from the public... you should leave and get a higher paying job..... nurses are now leaving and public are... oh the hospital s are so short staffed

And I’m in the same position as you op, just to add. So I know exactly what you’re going through. Still a hard no.

Respectfully, for your situation, only fans and other such "selling yourself online" sites are oversaturated. You have to be willing to do something so creative, so different, so niche, it might be out of your comfort level, plus you'll probably have to show your face (which is not something you'd be wanting to do) in order to make any decent money.

As mentioned previously, if your friend is doing all the editing, then your friend has an awful lot of power/control by having access to all of your footage... Especially if they're keeping this a secret from everybody. Not saying your friend would double cross you but, when you put your trust in someone you have to be awfully careful.

I think the biggest detriment to this idea is that you'd have to put a lot of time and effort into doing the work at the beginning to start up, a lot of hours, and I'm not just talking about the filming. I'm talking about research. You going to have to do so many hours of looking up what Men are looking for on these sites and you know what, it's a freaking rabbit hole.

So let's just pretend you find your niche, the perfect location, decide what you're going to do, do hours of filming (which believe me, it takes way longer and way more it takes then you think and typically, editing takes 10 times longer than what you see on screen). You have to pay for subscriptions, and I'm not sure about only fans but a lot of these types of online sites don't pay you the way that you'd like to be paid, they make you sign up for some weird online banking platform that you've never heard of before and you're not 100% sure if it's even legitimate, and they don't let you choose your method of payment. It's a little sketchy feeling, and I understand that it seems like fast easy money but, it really really isn't.

Oh, and even if you enjoy or don't mind performing, your editor is the one doing all the real work. The behind the scenes amount of work time and skill needed...we're talking creative titles, descriptions, SEO optimization, advertising your content over different platforms, thumbnails, scripting... there is absolutely so much that goes on behind the scenes, I wouldn't be surprised if your editor friend would ask for the lion's share of the cut because they're doing the lion's share of the work. And, if for some reason you lose your editor who's doing all this behind the scenes work, you won't be able to do it yourself. Trying to set up your own camera and film yourself doing whatever you're doing, it's going to look so incredibly amateur, and then you have to do all the computer/editing work too. And you can't exactly advertise "help wanted, looking for someone to edit my only fans video... Must be discreet and completely trustworthy and willing to share 50% of the profits or less."
Not trying to put you off the idea, Just trying to help by offering some realistic advice

He’s suggesting he acts as your pimp, you run the risk of destroying your mental health, losing the respect of your kids and allowing a man to have explicit videos of you in his possession. I just wouldn’t op. I’d rather get a second job in a pub or something tbh. I think it’s nit the fix you think it is.

Thats not going to make much money. Not much call for faceless titillation out there.

Also I don't care how decent you think this guy is. He's a fucking pimp if he agreed to your suggestion. A decent man would have been horrified. Do not give this 'man' control over images of you.

As for the kids, if you're at the point you are considering selling yourself so they can continue uni, it's time for them to leave uni. University is expensive and not a necessity. They can go back in adulthood if they need to but realistically look at your earnings after uni ... It's possible they can get jobs that earn that without it. And more. Someone in the family needs to be practical ffs.

Or "Can't you take in ironing?"

The OP has no transport so she'd be reliant on her potential customers dropping off and picking up.

It was OP's suggestion - not the suggestion of the FWB.

In her first post, OP says:

"The idea is he manages an account i make. He makes vids, edits, promotes, markets etc. I do the chats, conversations etc in the eve. We split anything earned, more to me. My suggestion not his. All my idea."

If OP lives in a small town and doesn't drive, she might be hampered by lack of transport, especially at night, but I also wondered about babysitting or sitting with elderly people at night or weekends while the relative who cares for them has a break.

OP, I may have missed it, but did you apply for typing work online? Did the site charge you for the initial assessment? Was it a genuine business?

As you haven't said what field of work you do, it's more difficult to make suggestions based on your skills.

https://www.cps.gov.uk/prosecution-guidance/prostitution-and-exploitation-prostitution

The idea is he manages an account i make. He makes vids, edits, promotes, markets etc. I do the chats, conversations etc in the eve. We split anything earned, more to me. My suggestion not his. All my idea.

Saying it's your idea doesn't mean he couldn't be prosecuted for controlling prostitution for gain. It's a criminal offence.

There are some unhelpful replies on this thread but also plenty of helpful ones. Some of them individually might only make a small difference but those differences will add up.

Have you put all your outgoings down on paper and gone through your budget? Explored every avenue of financial support including food banks.

I'm sure your children would rather pick up a few extra shifts than have you resort to prostitution to cover their living costs.

I agree. You’d have to be able to completely trust him.

You don't need much at all for matched betting. I started with less than £100 and made around £3000 before moving on to casino offers. You could start with £20 but it would take longer.

I don’t have an issue with people doing it, but you’d need to have something individual. There’s loads of women willing to put their faces on, so I’m not sure why people would sign up and pay for headless images or videos without some other kind of pull.

They say most houses have 2k worth of stuff in the attic. If you have anything to sell, do that. They can’t have a total free ride at college to the point where you are thinking of doing this.

Yes. So dont do it.

Apologies because I haven't read all posts. Any room for a lodger or a student to rent a room? If you have any debt stick it on a 0 credit card. OF would be a no from me unless it was some very niche nonsense which isn't actually particularly revealing. Somomes already mentioned tights, some one strokes stones and gets paid for that. Now to be honest if someone said I will pay you £40 to stroke a stone I'd be inclined to give it ago.