Real tips from a mom juggling nappies, nap times, and multiple income streams
Hey Mama, If you’ve ever wondered if it’s possible to make real money without a traditional 9-to-5 job — while raising little ones — I’m here to tell you: yes, it absolutely is.
As a fellow mom navigating the beautiful chaos of motherhood, I’ve built multiple streams of income from home that help support my family, grow our savings, and give me flexibility — all without clocking in at an office.
Here’s a behind-the-scenes look at exactly how I do it — and how you can too.
1. My First Lesson in Money Started When I Was Just a Kid
My money journey didn’t start in adulthood.
It started at 10 years old, helping my mom in her small T-shirt sewing business. I folded, packed, quality-checked — and learned the value of hard work.
By 16, I told her I wanted to experience the real world. I worked in over 30 different jobs — from hospitality and sales to relationship management, digital marketing and more.
That early exposure gave me grit and the real-life skills I still rely on today:
Confidence talking to people
Handling rejection
Knowing my worth
And most importantly — how to spot a real opportunity.
2. From Mom Life to Influencer Life — I’ve Worked With 20+ Brands and Counting
I started small — sharing tips and moments from my mum life.
Then I learned how to turn my content into paid influencer gigs. I applied through platforms like:
JoinBrands (and more — get my full list below!)
I’ve created Instagram reels, TikTok videos, LinkedIn content, and blog posts for brands I love — and I’ve been paid for it.
I didn’t need millions of followers. I just needed a clear voice, a media kit, and the willingness to show up.
Want to see which brands I’ve worked with?
3. Multiple Income Streams = Mom Life Security
Let’s be real: raising a family costs money.
That’s why I’ve built several ways to earn from home:
- Sponsored Posts & Guest Articles (I made over $900 recently from a few blog posts!)
- Investment Properties (yes, we’re building wealth with bricks and mortar)
- Superannuation Management (I actively track and reallocate my super funds)
- Survey & Game Apps like Pureprofile, Toluna, ZAP surveys
- AI Training Work with Outlier AI (flexible, remote, and well-paying!)
These side hustles might sound small on their own — but together?
They give me freedom and options as a mom.
4. My Favourite Mom-Friendly Cashback Apps
Shopping for the household? Don’t forget to earn while you spend!
I use cashback apps that give me money back on everyday purchases:
Bank Cashback Offers (linked to my credit cards and debit cards)
Every dollar counts — especially when you’re budgeting for nappies, groceries, and everything in between.
My tip? Always activate cashback before checkout — it’s free money you’re leaving behind otherwise.
5. My Mortgage Hack — The Power of the Offset Account
We also make our money work harder through our offset account.
Instead of letting savings sit untouched, we put extra money into our mortgage offset — and this reduces the interest we pay every single day.
Over time, this saves us thousands in interest.
It’s one of the easiest and smartest ways we’re paying off our home faster.
6. The $1-a-Day Mindset That Changed My Finances
One thing I learned early:
It’s not about making $10,000 overnight. It’s about building habits that add up.
If I can earn, save, or invest $1 a day, that’s $365 a year.
Stack that with other little wins, and suddenly — I’m thousands ahead.
Mum tip: Start small. Let it snowball.
7. Smart Debt — Using It to Build, Not Break
We were taught to fear debt — but I’ve learned to use it wisely.
When we buy investment properties, we don’t try to pay off everything immediately. We use smart leverage and watch our debt-to-equity ratio carefully.
Good debt? It grows your future.
Bad debt? It steals from it.
8. Easy Mom-Side Hustles You Can Start Now
Not every mom has time for full-time work — but you can still earn. Here are a few side hustles I do (and love):
AI Trainer & Reviewer with Outlier AI
Paid surveys & app testing (great for nap time tasks)
Guest blogging (especially if you love writing or sharing mom tips—may not necessarily earn you money (and sometimes you might even need to pay the other website to publish your guest post). However, it helps build backlinks to your site, which can drive traffic and potentially lead to income)
Affiliate income (I earn affiliate income by recommending products and services I either personally use or genuinely believe in after thorough research. I only promote what I trust—whether it’s something that helps me as a mom or supports my business. When someone purchases through my link, I earn a small commission at no extra cost to them. It’s a win-win!)
Final Thoughts for My Fellow Mamas:
If you’re home with little ones and wondering how to earn something without sacrificing time with them — I see you.
I’ve been there. And I want you to know:
You don’t need a fancy job title.
You don’t need a business degree.
You just need the willingness to try, learn, and show up.
Start small. Build smart.
And don’t forget to celebrate every win — even the $1 ones.
Want my ultimate list of influencer apps, side hustles, and cashback platforms that actually work? I’m sharing it with you right here — because we could all use a little extra help (and cash)!
You’ve got this, mama.
