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I feel like I’ve hit a low point - how can I earn money?

54 replies

FinanciallyScared · 04/07/2025 09:46

Currently a SAHM. Two very young children so can’t afford nursery costs. We were doing okay but my husband has been struggling a little since our mortgage rate massively increased, transfers me a small amount monthly. With that and the CB I’m only just paying my bills, I no longer have enough for anything else and I’m racking up debt on a credit card I can’t afford to do more than pay the minimum payment off.

I need to earn somehow money remotely during any free time or in the evenings (husband works some nights too on random shifts so I can’t be out of the house)! I have generic office based skills up to manager level and have spent hours this morning uploading my cv and details to a site where you apply for random freelance/admin work but when I got to the end you need to pay for ‘credits’ to then apply for jobs…I have nothing in my account and could honestly cry.

I’ve also spent time looking at videos on drop shipping, pdf sales, Etsy shops selling digital products and all sorts but again these all seem to need some kind of money up front which I don’t have and I’ve spent so many hours down YouTube rabbit holes that I don’t know what’s a scam or not anymore. Please if someone lets me know a way I can earn money without having to pay for it, let me know because I’m feeling so low about it all today. (NC for this).

OP posts:
GoodStuffAnnie · 07/07/2025 18:13

You need to make two changes.

Be honest with husband. Be on same page. Be a team.

It would be better if your husband got more regular hours. Or he should say no to overtime. You should get a Saturday job in a supermarket. You would earn good money, no childcare and you would get a food discount.

Be honest about the debt.

you’ve got this!

Partystreamers · 07/07/2025 18:21

Pet care via an agency maybe? We pay £10 a visit for our rabbit when we go away.

CaptainSevenofNine · 20/07/2025 12:09

As a parent your DH has rights about flexible working etc. Why don’t you see if he can negotiate with his company to never, ever work 2 set nights a week (for example) and you find paid work on those nights?

CoastalCalm · 20/07/2025 12:26

What are your bills ? If they are household / child related expense then you shouldn’t be going into debt to cover them DH should be paying more. On the flip side if you’re spending a lot on non essentials for you then that needs addressing too

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