Figuring out how to make money when unemployed can feel overwhelming, but it might actually be a great opportunity to explore different income sources. With the right strategies, you can turn your free time into productive hours and earn cash without being tied to a 9-to-5 routine.
Below, you'll find 12 practical ideas to help you stay afloat and even thrive financially while you're between jobs—whether it's by leveraging your skills in the gig economy or diving into freelancing and online businesses.
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12 ideas for how to make money when unemployed
If you’ve ever found yourself between full-time jobs, you’ve probably wondered how to earn money when unemployed. There is a wide variety of options out there. Some require a hands-on approach, while others you can do online from the comfort of your home. Pick what works best for you.
Hands-on opportunities
1. Babysit
Babysitting is a reliable and often high-paying option for those who enjoy working with children. You can find babysitting gigs through local childcare websites, community groups, or by word-of-mouth. It offers flexible hours and can be done right in your own neighborhood. If you're unemployed and need a steady income, babysitting can be a great way to earn money.
According to Trusted Care, babysitting rates in the U.S. are approximately $14 to $20 per hour for one child and $15 to $25 per hour for two or more children. On a daily basis, babysitters can earn between $110 and $160 for an 8-hour day, and weekly earnings can range from $500 to $800 for 35 to 40 hours.
2. Deliver packages
Delivering packages is a practical solution for those looking to make money quickly. Companies like Amazon Flex and local courier services offer flexible work schedules, so you can pick your own hours and earn based on how many deliveries you do. This is a good option for immediate income—and a great way to stay physically active.
3. Rent out your space
If you have an extra room or property, consider renting it out on platforms like Airbnb. It can give you a nice income boost, especially if you live in a popular area. Plus, it offers a flexible schedule and the chance to meet interesting people from all over the world. This is a solid option if you're dealing with a “no job, no money, what to do” situation.
4. Sell handmade crafts
Selling handmade crafts is an excellent way to turn a hobby into a profitable business. Whether it's jewelry, artwork, or home decor, handmade crafts have a unique appeal. This option is perfect for those who need to know how to earn money while unemployed, as it allows you to work on your own terms and express your creativity.
5. Offer pet sitting and dog walking
For animal lovers, pet sitting and dog walking are enjoyable ways to earn money while unemployed. Look for opportunities through local word of mouth, or on websites like Rover. This gig offers flexible hours and the opportunity to spend time with pets.
Online opportunities
6. Offer online tutoring
If you have expertise in a particular subject, online tutoring can be a rewarding way to make money when unemployed. Websites like Tutor.com and Chegg connect tutors with students who need help. You can set your own rates and schedule, making it a flexible option. It’s a perfect way to use your free time and skills to make some cash while helping others succeed.
Teaching English online, for instance, is a flexible and rewarding way to earn money while unemployed. Platforms like VIPKid and iTalki connect you with students worldwide. Typically, a bachelor's degree and some teaching experience are required.
7. Do freelance writing
If you’ve always had a way with the written word, freelance writing might be the answer if you're wondering, “How can I make money if I am not employed?” Leverage your writing skills to create content for blogs, websites, and businesses. This flexible way to earn money allows you to work from anywhere and set your own schedule.
(Interested? Find freelance writer jobs here on The Muse.)
8. Sell digital products
Creating and selling digital products such as e-books, printables, and online courses can be a lucrative way to make money without a job. Platforms like Etsy and Gumroad let you showcase and sell your creations. It's a great option for anyone asking, “How do I make money if I can't get a job?” since it takes minimal effort once your products are up and running.
9. Participate in online surveys and market research
Participating in online surveys and market research can also be an easy way to make extra cash. Websites like Swagbucks pay you for sharing your opinions on various products and services. While it may not make you rich, it’s a simple way to earn money in your free time. It’s perfect for those who want to know how to make money while unemployed—from home.
10. Start a blog or YouTube channel
How can you make a living without a 9-to-5 job? One way is by starting a blog or YouTube channel. You can earn money through advertising, sponsorships, and affiliate marketing. Choose a niche you're passionate about and create engaging content. Although it takes time to build an audience, it can become a sustainable income source, allowing you to work from home on your own schedule and share your knowledge with the world.
11. Transcribe audio
Transcribing audio is another way to make money online when you're unemployed. Companies often need transcriptions of meetings, interviews, and videos. Websites like Rev and TranscribeMe offer opportunities to convert audio into text. This gig requires attention to detail and good typing skills.
12. Sell stock photos
Turning your passion for photography into a source of income can be a dream come true—and selling stock photos might be the way to do it. Websites like Shutterstock and Adobe Stock let you earn royalties from your images. Focus on capturing high-quality, versatile photos that appeal to various industries, such as business, technology, and lifestyle. Consistently uploading new content can also help you build a portfolio that generates ongoing passive income.
Want more inspiration? Read this next: 17 Side Hustle Ideas For Extra Cash—You Can Start Today
Bonus tips to maximize earnings while unemployed
Being out of a job is often beyond your control, but there are some actions you can take to boost your chances of finding a new job or exploring other opportunities (like the ones we just listed). Here are some tips to help you manage your finances while you’re between jobs:
Build a strong portfolio
Focus on building a strong portfolio, seeking high-paying clients, and continuously improving your skills. Specialize in a niche, set competitive rates, and market your services effectively to attract better opportunities.
These resources might help:
Take online courses to develop new skills
Many online platforms offer courses to develop skills that can help you earn money. Look for courses in areas like digital marketing, graphic design, and coding, which are in high demand. These skills can open up new opportunities for freelance or remote work.
These resources might help:
Look into unemployment benefits
Look into local resources for unemployment benefits, job training programs, and financial assistance to help bridge the gap while you seek new income opportunities.
Many governments offer unemployment benefits and programs to support job seekers. The Department of Labor (DOL) administers unemployment insurance (UI) programs that provide temporary financial assistance to workers who have lost their jobs through no fault of their own.
Eligibility requirements and benefit amounts vary by state, and during economic downturns, benefits may be extended. The Pandemic Unemployment Assistance (PUA) program, introduced by the CARES Act, supports those not eligible for regular UI, like freelancers and independent contractors.
Additionally, the DOL offers job training programs such as the Workforce Innovation and Opportunity Act (WIOA) and Trade Adjustment Assistance (TAA) to help unemployed workers gain new skills. For more information, visit the DOL's Unemployment Insurance Information page.