In the previous “When Money is Short” blog, we discussed what you had to do when there is not enough money to pay the bills. We said that there are two things you must do immediately. Reduce your expenses and try to find ways to increase your income. Would you please take a look at that post to get the details? Still, we suggested that you stop spending money until you know what you are spending your money on and find any way to reduce costs.

The second thing we suggested you had to do is to increase your income. For most people today, this is much easier said than done. We want to help identify ways that you can increase the money you bring home every month.


Simply decreasing your spending will result in having more money to keep. However, this may not be enough for a family still working on changing the habits that got them there to start with.

Our course “Making Money in the Face of COVID” provides our students with numerous options for increasing their income in Lesson 2. Here are a few of the opportunities discussed.

What to do

One time activities

There are lots of ideas for ways to earn from a one-time activity. Not all options will work for everyone, so focus on those that seem realistic for you and your family.  

  • Garage Sale
  • Babysitting
  • Doing yard work
  • running errands
  • sell personal items online
  • wash cars
  • plant a garden and sell the produce

Use your skills and resources.

  • I can earn extra money with my skills (providing childcare, doing yard work, etc.).
  • I can use my talents or hobbies to make items to sell online or start a part-time small business.
  • I can trade things (like house cleaning or babysitting) for services I need (like car repairs) from friends or relatives with those skills.
  • I can run errands for other people for a small fee.
  • I can become a driver for a ride-sharing service.
  • I can rent a room in my home to a friend or relative (if allowed in my housing agreement).

Look for job opportunities.

  • I can ask for a raise or additional hours at my current job.
  • I can get a part-time job.
  • I can look for training or education opportunities to increase my wages at my current job or help me get a better job.

Other options

You should investigate and see if you are eligible for public benefits and take advantage of local community programs. There may be a food bank or community pantry that will provide you with food and other provisions. There are many nonprofit organizations and local government agencies that have programs that can help you. These organizations will provide you with food, utility assistance, unemployment benefits, and programs that are a lifeline for many people during hard times.

Bottom Line

When money is short at the end of the month, there are two things you must do. First, stop spending money and learn to live on what you earn. Establish written goals and a budget based on attaining your family goals.

Second, consider temporary income-producing options and ultimately develop the skills and knowledge you need to increase your ability to earn additional income permanently.

Don’t forget to check out our course, “Making Money in the Face of COVID.” 


Larry Marvin



Increasing income and benefits tool.