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Buying life insurance is a big decision — one that is often a long-term commitment — so you are probably wondering how much it will cost. You want to know your family will be financially stable when you are no longer around, but you may be concerned that the premiums will take a big bite out of your budget. The truth is, there is no one single number for a life insurance premium.

The price varies based on an array of factors, including the kind of policy you buy, the amount of coverage you want, your age, your health, and other attributes, as well as which provider you select. Even if you have a twin, you and your sibling may well be quoted different prices. Life insurance policies are that personalized.

But that doesn’t mean you can’t get a good ballpark! Let us help you get a handle on the range of possible prices.

Average Cost of Life Insurance

To get started, let’s do a quick overview before we get to the dollars and cents. Though rates will vary, some of the key criteria used in calculations include:

•   Age. Generally, the younger you are when you sign up for life insurance, the cheaper it will be. The older you are, the shorter your life expectancy is, meaning your insurer is more likely to have to pay your beneficiaries upon your death (sorry! We don’t like saying it either, but that’s the bottom line of life insurance).

•   Gender. Women tend to have longer life expectancies, so females almost always have lower premiums than males even if their age and health status is the same. The latest CDC figures put the average life expectancy for men at 73.2 years and women at 79.1 years.

•   Smoking status. While the rate of cigarette smoking among U.S. adults is declining, there’s no denying it’s a health risk. In fact, it’s the leading cause of preventable death in America, according to the CDC. Approximately 480,000 deaths (that’s one out of every five deaths) is attributable to the habit.

•   General health history. Overall, the healthier a person is deemed to be, the cheaper the premiums tend to be. This means factors like your height and weight, blood pressure, cholesterol levels, and pre-existing conditions will be considered.

How much you’ll pay also depends on whether you get term or permanent life insurance.

As the name implies, term life insurance covers you for a discrete period of time, and then you are no longer insured. This kind of policy can work well for those who want to know their loved ones are financially secure as a mortgage is paid off or a child pays college tuition.

On the other hand, permanent life insurance guarantees that whenever you may die, your designated beneficiaries will receive a lump-sum payment. Permanent life insurance policies also act as a savings vehicle; more on that in a moment.

Okay, here are some numbers to ponder. These rates are based on the healthiest category of applicants taking out a $500,000 policy. In the case of the term policies, the length is 20 years.

Age Female, Term Insurance per year Male, Term Insurance per year Female, Whole Life Insurance per year Male, Whole Life Insurance per year
30s $183 $220 $4,015 $4,652
40s $281 $220 $5,937 $7,028
50s $641 $817 $9,443 $11,163
60s $1,656 $2,361 $15,943 $19,150
70s $8,204 $9,297 $28,093 $33,325

A word about those life-insurance premiums: They are typically paid monthly, though you may be able to save if you pay annually, up front. It’s important to keep up with your life insurance payments so your policy doesn’t lapse and you and your loved ones receive that halo of protection you are paying for.
💡 Quick Tip: With life insurance, one size does not fit all. Policies can and should be tailored to fit your specific needs.

Average Cost of Term Life Insurance by Age

Term life insurance tends to be the more affordable option. Permanent life insurance can cost considerably more – from five to 15 times as much. However, the costs will vary based on many factors. One obvious one is that a longer policy will have higher premiums than one with a shorter term. Why? Because it’s more likely that the insurance company will need to pay out on a longer one.

When Business Insider gathered rates, they found that a 30-year old could take out a 30-year term policy for $33.65 per month. The average rates climbed by age — from $33.65 per month at age 30 to $56.21 at age 40, $125.12 at age 50, and $252.26 at age 60.

As you see, you may get much better rates, the younger you sign up.

Average Cost of Whole Life Insurance by Age

Now, let’s take a look at whole life insurance, which will pay a death benefit even if you live to be over 100. One kind of permanent life insurance is whole life. It also accrues “cash value,” which can be a source of funding for future needs. Providers may offer unguaranteed dividends, depending on the particular policy you purchase.

Let’s look at how much this kind of life-insurance policy can cost. Recent annual costs for a $500,000 policy averaged $352 for a 30-year-old female and $394 for a male, and $506 for a 40-year-old female and $564 for a male.

Recommended: 8 Popular Types of Life Insurance for Any Age

Average Cost of Life Insurance Without a Medical Exam

Usually, part of the application process for life insurance involves a medical exam. A medical history is taken, and then there’s a brief visit to a healthcare practitioner (or they may come to you). Your height, weight, pulse, and blood pressure are typically recorded; blood and urine samples may be collected, too. The results allow the life insurance company to gauge your health and contribute to the calculation of the premium you will pay.

Some people, however, don’t want to invest the time in this step; signing up can take 4-8 weeks. Or perhaps they just don’t like medical appointments and blood draws. Others may worry about what will turn up in their testing and worry that they won’t qualify for coverage. Regardless of the reason, there are insurance policies that let you sidestep the medical exam. These are referred to as no-exam policies.

Typically, these types of policies offer lower coverage limits than those that do include medical testing. For instance, they might offer from $5,000 to upwards of $3 million in coverage. To acquaint you with how much this could cost, let’s review some prices, per Policygenius

•   For a 30-year-old woman, it would be $22.99 per month for $500,000 in coverage.

•   For a 30-year-old man, the cost would be $29.33 per month for $500,000 in coverage.

If you are interested in this type of policy, it is also sometimes called simplified-issue insurance or guaranteed-issue insurance.

Average Cost of Term Life Insurance by Health

Here’s another angle on life insurance: looking at how much it will cost you based on your health. As we mentioned above, the insurance industry uses different terms to describe how healthy a policyholder is. Here are some common terms you may hear as you’re researching policies:

•   Super preferred (or preferred plus): This is the healthiest category to be in; statistically, you’re more likely to live a long life, and you will get the best rates. Typically, to qualify, one needs no family history of death from cancer or heart disease before age 60 or 65; no tobacco use in recent years, nor a history of substance abuse; healthy blood pressure and cholesterol levels; no personal history of cancer or heart disease; a clean driving record; and your height and weight must fall in a certain range.

•   Preferred: This category is typically a bit more liberal in terms of the height/weight limits, cholesterol numbers (perhaps a total limit of 240), and when one might have last used tobacco. This category also encompasses those who have had a close relative die of cancer or heart disease before the age of 60. Rates will be higher than those in the super preferred category.

•   Standard: This is the next category and tends to include those with a history of substance abuse as well as those who use tobacco.

So, now you are probably curious how rates stack up based on these categories. Let’s take a look at costs for $500,000 coverage of 20-year term life insurance:

•   For a woman who is age 30, the annual premium for standard health could be $417, with preferred costing $235, and super preferred at $174. At age 40, the annual costs would be approximately $641, $350, and $277 in the same categories.

•   For a man who is age 30, the annual premium for standard health could be $506 for standard, $292 for preferred, and $219 for super preferred. At age 40, the premiums would be $778, $421, and $327 in those categories.

Average Cost of Life Insurance by Term Length

As you think about buying life insurance, you may be pondering different versions of term insurance. Perhaps you just took out a 30-year mortgage and want to be sure those payments will be covered if a worst-case scenario happened and you weren’t around to write checks. Or maybe you are about to marry someone with a 10-year-old, and you want to be sure the child’s college expenses will be covered, no matter what may happen.

Term insurance can be the perfect vehicle in situations like these. Term life insurance has a straightforward goal: to provide the policyholder with a certain amount of coverage during a designated time period — perhaps 15, 20, or 30 years. If a person dies within the time frame, then beneficiaries typically receive the payout of the policy. If a person does not die during the time frame, no one receives the death benefit.

As you might expect, the longer the term, the higher the premium. You’re buying into more coverage, so that will cost more. Let’s see how some numbers stack up.

For a 30-year-old man with a preferred health rating, here’s how much a monthly premium would be for $500,000 in coverage:

•   10 years of coverage: $21.13

•   20 years of coverage: $29.32

•   30 years of coverage: $42.45

As you see, extending your coverage term from 10 to 20 years doesn’t mean you will pay twice as much. That’s good news in the affordability department!
💡 Quick Tip: Term life insurance coverage can range from $100K to $8 million. As your life changes, you can increase or decrease your coverage.

What Factors Determine the Cost of Life Insurance?

You may wonder why rates vary as you price and compare life insurance policies. Let us break down for you some of the most important factors that influence to cost of a policies:

•   The kind of insurance: As we have mentioned above, there are two main kinds of life insurance, term (coverage for a specific period of time) and permanent (life-long coverage). Permanent is pricier.

•   The amount of coverage: If you buy $250,000 of coverage, it will of course cost less than a policy that pays a death benefit of, say, $2 million.

•   Length of a term policy: If you are shopping for a term policy, expect to pay more for a longer period of coverage. If you buy a 20-year policy, for instance, it will be higher in price than a 10-year policy.

•   Age and gender: Younger people in general get lower quotes than older people because it is less likely that the insurer will need to pay out in the near future. Women tend to live longer than men, so females can get a lower premium when all other factors are equal.

•   Health status: At a minimum, the insurance application will ask health-related questions. Many life insurance companies also require a medical exam, along with the ability to review health records before a policy can be issued. Certain health conditions, such as cancer and heart disease, can increase premiums and may also prevent coverage from being issued. Weight, blood pressure, and cholesterol levels can also play a role. Plus, even if the applicant is healthy, a family history of health issues can impact premium pricing or policy eligibility.

•   Lifestyle: Do you have a high-risk job (say, a pilot or police officer) or hobby (skydiving would be a classic example)? Or do you smoke, which carries health implications? Do you have a history of substance abuse or a recent DUI on your record? These factors can raise your insurance rates.

It’s notable that life insurance companies can have different underwriting policies — so questions asked during the application process may vary from provider to provider.

One key point to keep in mind: Obtaining a life insurance policy when younger and healthier could impact the cost of a policy quote in a very good way. With some life insurance companies, the consumer can lock in a set monthly premium upon signing up — in which case the life insurance premiums would remain stable throughout the entire term of policy.

Recommended: Is Employer Life Insurance Enough?

What Factors Don’t Impact Your Life Insurance Rates?

So, that’s quite a list of things that do impact the cost of life insurance. Now, let’s look at what doesn’t influence the price tag:

•   Ethnicity, race, and sexual orientation. Insurers can’t discriminate based on these factors.

•   Credit score. Yes, your insurer may look at how you rate over the last seven years, but whether you are a 500 or a 700 shouldn’t make a difference. That said, if you have a bankruptcy on your record, that could influence your perceived risk and may affect premiums.

•   Marital status. This doesn’t raise or lower your rates (though, yes, it does matter to car insurance quotes).

•   How many beneficiaries you have. It won’t impact your rate if you name one person or several.

When Is the Best Time to Buy Life Insurance?

It’s typically a good idea to buy life insurance as soon as you feel you need it. As we’ve discussed, rates are lowest when you are younger, before health issues typically crop up.

In terms of timing it right, many people buy a policy when they know they will have dependents who’ll rely on their earnings. For instance, getting engaged to be married is a good time to consider purchasing a life insurance policy. You would want to know your spouse is taken care of financially if anything were to happen to you.

Similarly, if you are expecting a child, that is another classic trigger moment for buying a life insurance policy. Knowing that you have protection for your kids, from birth through college, can let you rest a lot easier.

There’s another angle to consider: the half-birthday aspect of insurance premiums. If you apply for life insurance six months or more past a birthday, your insurer will round up to the next birthday. This can wind up locking you into a higher rate for the entirety of your policy. So look at the calendar before you commit to a purchase, and check in with your insurer if there’s a way to back-date your policy if you are past your half-birthday.

How to Choose the Best Policy for You

Armed with all of this intel, you’re ready to go shopping. Here are some considerations as you get acquainted with your options, whether you work with an agent or use the easy, one-click options online.

•   You’ll need to decide whether term life insurance or permanent coverage best suits your needs and budget.

•   You’ll want to determine the amount of coverage to buy. Some people say to multiply your annual salary by 10; others use the DIME method. There’s also the DIME method to calculate the amount of debt, lost income, mortgage payments, and educational expenses that would need to be covered if you weren’t here to pay them. (This could leave you overinsured, so you could subtract your assets from the figure you calculate.)

•   You’ll want to check rates from different, well-rated insurance companies to see where you’ll get the most enticing quote. You can look into the details and evaluate whether the premiums are fixed or if they will increase (if the latter, why and by how much?). You can also decide if you want a policy that requires or waives a medical exam, and consider whether a term policy offers renewal options and how costly they would be.

These factors will help you find a policy that says, “Yup, I’m The One!”

The Takeaway

As you have seen, there’s a galaxy of options when it comes to buying life insurance. Not only are there different kinds of insurance (term versus permanent, and many permutations), but there are also a range of rates to suit many budgets. Factors that can impact rates include how much coverage you want, for how long, your age, your health, and other attributes.

Only you can know what policy will be the perfect, personalized fit for you, but do make sure you seriously consider investing in a policy as soon as possible. This kind of protection is a key element of your financial life, and helps give you peace of mind, no matter how uncertain the times.

SoFi has partnered with Ethos to offer competitive term life insurance policies that are quick to set up and easy to understand. Apply in just minutes and get an instant decision. As your circumstances change, you can update or cancel your policy with no fees and no hassles.

Explore your life insurance options with SoFi Protect.

Social Finance Life Insurance Agency, LLC (SoFi Agency) does not issue or underwrite insurance. SoFi Agency is compensated by Ethos for each issued term life application submitted.

The policies offered are from Ethos Technologies Inc. Coverage and pricing is subject to eligibility and underwriting criteria. Ethos Technologies Inc. (Ethos) operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at www.ethoslife.com/carriers. Products and their features may not be available in all states. To help avoid requiring a medical exam, the Ethos application asks certain health and lifestyle questions.

SoFi Agency does not guarantee the services of any insurance company. Once you reach Ethos, SoFi is not involved and has no control over the products or services involved.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Source: sofi.com

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Looking for the best jobs for single moms? Being a single mom can be hard because you have to manage both your job and taking care of your kids. There are not many hours in a day, so it’s probably important to you to find a job that pays you a good income and lets…

Looking for the best jobs for single moms?

Being a single mom can be hard because you have to manage both your job and taking care of your kids. There are not many hours in a day, so it’s probably important to you to find a job that pays you a good income and lets you take care of your children.

The good news is that nowadays, there are many stay at home jobs for moms. This means you don’t have to follow a strict 9-to-5 schedule, making it easier to balance work and family. There are also many in-person jobs that allow you to have a better schedule to match your children’s schedule (such as when they are in school!).

Whatever you may be looking for, there are many flexible jobs for single moms. Continue reading below to learn more!

Best Jobs for Single Moms

Below is a quick summary of some of the best jobs for single moms.

  • Bookkeeper – You can organize the finances for businesses and have flexible working hours. With quick training, entry-level bookkeeping jobs might start at around $20 per hour, but with experience, you could earn a lot more.
  • Blogger – Bloggers get to work from home and make their own schedule, which is great for anyone, including single moms.
  • Teacher – Teaching probably aligns well with your child’s school schedule. Whether full-time, substitute, or part-time, teaching can be a good choice.
  • Virtual Assistant – This job involves helping businesses with tasks online, and you can typically make your own schedule.
  • Childcare provider – If you enjoy taking care of children, providing childcare for others while watching your own can, at the same time, be a way to earn money.

Below, you can learn about each of these, as well as many more of the best jobs for single moms.

1. Blogger

Blogging is one of the best jobs for single moms, and this is because you can work from home, make your own flexible schedule, and be your own boss; these are all reasons why I think it’s one of the best jobs for single moms who stay at home.

Plus, to start, you don’t need a lot of stuff – just a computer and internet.

I do this myself while taking care of my daughter, Marlowe. Blogging lets me travel whenever I want, make my own work schedule, earn good money, write about topics I like, and I really enjoy having a blogging business.

I started Making Sense of Cents in 2011, and since then, I’ve earned over $5,000,000 with my blog. When I began, I didn’t know it would become one of the best jobs for stay-at-home moms. Now, blogging lets me have a flexible schedule and spend lots of time with my daughter. It’s been a great way to balance work and family for me.

You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).

In this free course, you will learn:

  1. Why you should start a blog today
  2. How to decide what you should write about
  3. How to create a blog (this will go over the actual step-by-step process)
  4. How to make income from your blog
  5. How to get people to read your blog

And more!

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Want to see how I built a $5,000,000 blog?

In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.

2. Day care (and bring your kid)

Finding a job that lets you bring your child along can save you childcare costs and watching other people’s kids is one way to do it.

You could start your own day care or find a job at a day care.

If you want to start a home day care, then you will want to check your state’s rules for home day cares, such as if you need a license. You’ll also need a safe space for children, as well as toys and games.

You could also try to find a job at a day care in your local area. Many day care centers allow you to bring your child, or they will give you a discounted rate to have your child attend the day care as well while you work.

Another option is to become a nanny or babysitter for a family that allows you to have your child there as well.

Starting a day care, working in one, or becoming a nanny/babysitter can be a win-win. You earn money and don’t worry about finding someone to watch your kid. Plus, your child gets to play and learn with other children.

Recommended reading: How to Make Money on Maternity Leave: 27 Real Ways

3. Sell printables

Selling printables is a great work-from-home business idea for single moms. This is because you can do this while your kids are sleeping or at school and earn passive income too!

Printables are digital files that people buy, download, and print themselves. These can include planners, calendars, wall art, grocery shopping checklists, weekly meal plans that someone puts on their fridge, and educational worksheets for kids.

You can sell your printables on websites like Etsy. This is a way to make money from home because you only need to make one digital file for each product, and you can sell it many times. You don’t have to print or send anything to your customers. You make the digital file; your customer buys it, downloads it, and takes care of the rest.

I recommend reading about this further at How I Make Money Selling Printables On Etsy to learn more about one of the best jobs for stay-at-home moms.

Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.

4. Virtual assistant

As a single mom, you may be looking for a job that fits into your schedule. Working as a virtual assistant (VA) could be your answer, as you get to work from home and choose hours that work for you.

I’ve worked as a virtual assistant before, and I also have virtual assistants who help me with my business. Many parents have told me that a virtual assistant job is one of the best jobs for stay-at-home moms because it’s very flexible, and I agree!

A VA is someone who works from home as an assistant for someone else. Nowadays, many businesses can be operated from home, so it makes sense that an assistant can also work from home.

A virtual assistant can do tasks like managing social media accounts, formatting and editing content, scheduling appointments, handling travel plans, managing emails, and overseeing Facebook groups, among other things.

You can learn more at How Kayla Earns $10,000 Each Month From Home as a Virtual Assistant.

5. Freelance writer

If you’re a single mom looking for a job you can do from home, freelance writing might be a good fit for you. It’s a job where you write articles, blog posts, and sometimes even books for money. You don’t have to work in an office; you can write from anywhere, even your own kitchen table.

I have been a freelance writer for years, and it can be a great career choice for someone who wants to work from home.

When you’re just starting as a freelance writer, you might begin by writing articles that pay around $50 each or even more. However, the amount of money you can earn can vary a lot. You may be able to earn around $50,000 a year, and I know several freelance writers who are moms who make over $200,000 per year.

Many people are searching for freelance writers, and this job has a lot of opportunities for growth. It could be a great career to begin with.

Learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).

6. Book author

If you love telling stories or sharing your knowledge, writing books could be an ideal job for you as a single mom. You get to create your own schedule and work from anywhere, even your home. Writing can be done at times that fit your schedule best, such as when your kids are at school or asleep.

For publishing your book, there are two options:

  • Traditional Publishing – You submit your manuscript to publishers. If a publisher likes your work, they will print, distribute, and market your book for you. In return, you’ll earn royalties from sales.
  • Self-Publishing – Platforms like Amazon Kindle Direct Publishing allow you to publish your book yourself. You control every aspect and get a higher percentage of the sales, but you also handle marketing and distribution.

The amount of money that you can make as a book author can vary by a lot. As a first-time author, getting published can be challenging, and earning substantial income takes time. If you self-publish and your book becomes popular, you could make a significant amount. But, this isn’t guaranteed.

Recommended reading: How Alyssa is making $200 a DAY in book sales passively

7. Graphic designer

Graphic design is a creative job that involves making artwork and visual designs. You might create designs for websites (like logos), advertisements, or printed materials like brochures and magazines.

Your work helps companies communicate with their customers through eye-catching and effective visuals.

This can be a great job for single mothers, as you may be able to find a work-from-home job as a graphic designer, or even start your own business where you can make your own flexible schedule.

Recommended reading: How To Make Money As A Digital Designer

8. Social media manager

Becoming a social media manager can be a great fit for single moms looking for remote work jobs.

Social media managers are in charge of social media accounts for businesses or people. Their job is to post on social media, reply to comments, and keep everyone interested.

This can include TikTok, Instagram, Pinterest, Facebook, X (formally known as Twitter), and more.

I have been a social media manager for companies, and it’s a great job that allows you to have a flexible schedule. That means you can work when it suits you – such as when the kids are at school or asleep.

9. Real estate agent

If you’re a single mom looking to balance work and family, becoming a real estate agent might be a great fit. As a real estate agent, you help people buy and sell homes.

To be a real estate agent, you just need a high school diploma and a license.

In 2021, the average pay for this job was $23.45 per hour, which is about $48,770 per year. But, there are many real estate agents who earn much more than this.

10. Proofreader

Proofreaders read documents and check for spelling, grammar, and punctuation errors, and they make sure everything is perfect before it gets printed or published online. They review books, articles, blog posts, social media content, newsletters, advertisements, and more.

If you want flexible work hours, proofreading is a good choice. Depending on your experience and the job’s complexity, you can earn between $20 and $50 per hour and more.

As a single mom, this job lets you balance work with looking after your kids. You can usually set your own schedule and work from home, which can make life a little easier.

You can read more at How To Become A Proofreader And Work From Anywhere.

There is also a FREE 76-minute workshop where you will learn more about how to become a proofreader with Proofread Anywhere. You can sign up for free here.

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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.

11. Bookkeeper

If you’re a single mom, becoming a bookkeeper might be a good option for you. Bookkeepers manage money records for businesses by keeping track of all the money that comes in and goes out.

If you work as an online bookkeeper, you could make about $40,000 or more per year. Typically, this involves managing finances for around 12 to 16 clients.

Being an online bookkeeper is great because you don’t need to be an accountant or have any prior experience. Also, virtual bookkeeping is a service that many people are looking for, so there’s a demand for it.

Recommended reading: Online Bookkeeping Jobs: Learn How To Get Started Today

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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.

12. Transcriptionist

As a transcriptionist, your job is to listen to audio or video files and type out what you hear into text. This is a task that you can do from home, making it a good option if you’re a single mom looking for flexible work.

One of the biggest benefits of this job is flexibility. You can usually choose when and how much you want to work (such as when your kids are sleeping or when they are at school). This can make balancing work and family much easier.

You need to be able to type quickly and accurately and attention to detail is important because you need to catch every single word.

Recommended reading: 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly

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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.

13. Customer service representative

Customer service representatives help people by answering questions and solving problems on the phone or online, which means they can sometimes work from home.

On average, customer service representatives earn around $35,868 a year as an average salary. This will change depending on where you work and how much experience you have.

Some large companies like Apple, Progressive, U.S. Bank, American Express, and U-Haul hire customer service representatives who can work from home. This means you can do the job from the comfort of your own house.

14. Data entry clerk

Data entry clerks enter information into databases or spreadsheets. They type things like numbers and names into computers to keep everything organized and make sure records are correct.

Jobs in data entry usually pay about $15 to $20 per hour.

Recommended reading: 15 Places To Find Data Entry Jobs From Home

15. Dog walker or pet sitter

If you’re a single mom looking for a job that fits around your schedule, you may want to look into becoming a dog walker or pet sitter. This type of job lets you choose when you work, which is great for making sure you have time for your kids.

As a dog walker, you walk dogs for people who are busy or away from home. You might take them around the neighborhood or to a park. If you’re a pet sitter, you take care of pets while their owners are out of town or at work.

The money you make can vary. Some jobs might pay you each day, like $15 to $25 an hour or a flat rate per day like $75. How much you make could depend on how many pets you care for and how long you spend with them.

Rover is a great company that you can sign up with in order to become a dog walker and pet sitter.

16. BabyQuip

If you’re a mom looking for a flexible side hustle, BabyQuip might be worth looking into. It’s a service where you can rent out baby gear like strollers and car seats to traveling parents – starting is simple: apply online, and BabyQuip will guide you through the process.

As a mom after all, you probably already have a lot of baby gear that you can rent out to make money with.

With BabyQuip, you make money by renting out items you already own or plan to invest in for rentals. Because parents travel, the demand for clean and safe baby gear is always there.

People using BabyQuip can make about $1,000 a month on average, and some even earn more than $10,000 each month.

On BabyQuip, you can rent items like cribs, strollers, car seats, high chairs, toys, bouncers, books, hiking packs, and many other things.

17. Teacher

As a single mom, teaching can be a great career for you. As a teacher, you typically work while your children are in school as well, after all.

Most teaching jobs follow a traditional school year calendar. This means you usually have summers off, along with school holidays, which can help you spend time with your kids.

18. Doula

If you’re a single mom looking for a job, you may want to become a doula. A doula supports women during childbirth, but your work can also extend to helping moms after the baby is born.

They are there to give comfort, encouragement, and knowledge during the pregnancy journey, labor, and the postpartum period.

19. Tutor

If you’re looking for part-time jobs for single moms, then tutoring may be an option to look into.

If you’re a single mom who knows a lot about a specific subject like math, science, or a language, becoming an online tutor could be a smart choice. You can schedule sessions around your life and help students learn. You pick when you work, which is perfect when you have kids at home. You might teach early mornings, afternoons, or even nights.

You will need a quiet place to work, a computer, and a good internet connection.

Income as a tutor ranges, and you may be able to earn $20+ an hour. And, if you specialize in something more advanced, like SAT prep or college courses, you could make more, even up to $50 per hour or more.

20. Photographer

As a single mom, becoming a photographer can be a rewarding job choice for you. With a camera and some practice, you can start taking photos that people will enjoy.

To begin, you need a decent camera. Don’t worry, it doesn’t have to be the most expensive one. You also need to learn about lighting and how to frame a good picture. There are lots of free tutorials online, such as on YouTube, if you want to learn more.

One of the best parts about photography is that you can make your own schedule. You decide when to book photo shoots, which can be great for balancing time with your kids. It’s possible to do photo shoots on weekends or during special events like weddings.

You can earn money by selling your photos online or by working with clients directly. Graduations, weddings, family portraits, and even pet photos can be great opportunities. Pricing varies depending on the job, but as you gain experience, you can charge more for your work.

As you grow, you can invest in better equipment and editing software to enhance the quality of your photos. This helps you stand out and can lead to more jobs and higher pay.

I know many moms who are successful photographers, and they love having a photography business.

Recommended reading: 18 Ways You Can Get Paid To Take Pictures

21. Instacart shopper

If you’re a single mom looking for a job that fits around your schedule, becoming an Instacart shopper might be a good choice. Instacart is a service that lets people order groceries online, and shoppers like you do the shopping and deliver the orders to their homes.

When you’re an Instacart shopper, you can set your own hours. This means you can work when it’s best for you, like when your kids are at school or sleeping. As a shopper, you get a payment card from Instacart to buy the groceries at the store.

Shoppers usually earn about $11 to $20 per hour. It’s important to remember that as an independent contractor, you will have extra costs like gas and vehicle maintenance that you need to think about when figuring out your earnings.

You can learn more at Instacart Shopper Review: How much do Instacart Shoppers earn?

22. Paralegal

As a single mom, you might find the role of a paralegal interesting. It’s a job where you work in a law firm or legal department, helping lawyers by preparing legal documents and doing research.

Your typical work hours are most likely Monday to Friday, fitting well with a school-week schedule.

Paralegals earn around $30,000 to $35,000 a year.

23. Dental assistant

As a single mom, if you’re looking for a job that lets you help people and have regular hours, you might like being a dental assistant. In this job, you work in a dentist’s office and help the dentist with patients.

Your tasks could include getting the tools ready, making sure patients are comfortable, and teaching them how to care for their teeth.

Your week would be busy, but you usually wouldn’t have to work nights or weekends. This is great because it matches up with your kids’ school schedule.

24. Travel agent

As a single mom, you may find that being a travel agent is a job that fits well with your life. It’s a job where you get to plan and book trips for others. You could work from home or an office.

Travel agents plan vacations, business trips, and getaways for clients and they find the best deals on flights, hotels, and fun activities.

The money you earn can vary because some agents get paid hourly and others get a commission, which is a part of the trip cost.

25. Nurse

As a single mom, you might worry about balancing work with taking care of your kids. As a nurse, there are jobs that can fit your life.

Some examples include:

  • School nurse – You can work the same hours your kids are in school. You’ll care for sick children, keep track of health records, and help with health checks.
  • Doctor’s office nurse – Working here can be less stressful. Usually, the hours are regular, Monday to Friday, so you can be home with your kids in the evenings and on weekends.
  • Home health care nurse – You’ll visit patients in their homes, which can give you a flexible schedule.
  • Public health clinics – These places look after the community’s health. Hours can be more regular, meaning you won’t have to do lots of night shifts.
  • Nurse educator – If you love teaching, this lets you work in a classroom instead of a hospital. You’ll have a steady schedule, perfect for family time.

26. Speech pathologist

A speech pathologist helps people with speech and language issues. You would work to improve their communication skills, which can be very rewarding.

You need a master’s degree in speech-language pathology and certifications vary by state.

Your work may take place in schools, hospitals, or private clinics. Some speech pathologists work from home providing virtual sessions.

27. Sleep consultant

Sleep is really important for the growth and well-being of babies, and it’s important for parents too. But sometimes, parents find it hard to make sure their child gets the sleep they need.

Pediatric sleep consultants are very helpful in solving children’s sleep problems, making it easier for families to have peaceful nights. If you really enjoy working with kids and want to make a positive difference in their lives, becoming a sleep coach could be a great career option.

I have personally learned from sleep consultants in the past, and I know many others who have hired a sleep consultant as well. These are typically moms who have firsthand experience with improving a baby’s sleep.

Learn more at How To Become A Sleep Consultant And Make $10,000 Each Month.

28. Run a dog treat bakery

If you enjoy cooking, starting a home bakery could be a way to make money from home. It allows you to use your cooking skills to create dog treats and earn some income.

You can make dog treats, cupcakes, cookies, cakes, and more.

Starting a dog treat bakery business could potentially help you earn an extra $500 to $1,000 a month or even more. It’s a niche small business idea that taps into the love people have for their pets.

I also recommend reading How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).

Frequently Asked Questions

Below are answers to common questions about how to find jobs for single moms.

What should a single mom do to handle financial stress?

I get it – as a single mom, you may have a lot of financial stress. It is hard to be a single mom and manage everything all on your own after all. To manage financial stress, I recommend trying to find jobs that pay well but also have flexible hours or work hours that match up with your children’s school schedule. Jobs that allow you to work remotely can also help lower your childcare expenses as you can work from home.

How to work as a single mom without help or childcare?

If you don’t have help or childcare, then you may want to work during hours when your kids are at school or asleep. This may include looking for jobs or employers who understand your situation and have flexible schedules or the ability to work from home.

What are the best work from home jobs for single moms?

I think one of the best ways for a single mom to make money is to work from home. This is because you may be able to make your own schedule, and you may be able to find a job that allows you to take care of your kids at the same time.

The best work-from-home jobs include jobs like virtual assistants, freelance writers, and bloggers.

What are jobs for single moms without a degree?

Jobs for single moms without a degree include administrative support, customer service positions, and sales roles as these jobs usually give on-the-job training.

How can a single mom go back to college and what degrees are best?

You can go back to college by looking for online degree programs, or classes when your children are at school, that fit your schedule. Popular degrees that balance well with being a single mom could be in fields like education, business, or healthcare, which have the potential for career growth.

Best Jobs for Single Moms – Summary

I hope you enjoyed this article on how to find the best jobs for single moms.

Whether you are looking for full-time or part-time jobs for single moms, there are many options that may fit what you need.

As you probably noticed above, jobs for single moms vary and include different types of work. Some jobs are creative, like writing or graphic design, while others are more regular, such as customer service or bookkeeping.

If you enjoy telling stories and writing, you could be a blogger or a freelance writer. If you’re good with organizing and numbers, you might like being a virtual assistant or a bookkeeper.

If you prefer doing your own thing, you could start a home day care or sell printables online.

As you can see, this is a long list of the best jobs for single mothers! There are many different job ideas that you could try that have a good work-life balance.

What do you think are the best jobs for single parents?

Recommended reading:

Source: makingsenseofcents.com

Apache is functioning normally

When it comes to home design, we’ve all decorated with a trend or two that we wish we could forget (anyone remember pistachio-colored kitchens?). But we’ve also discovered trends that have turned into classic finishes that are here to stay. (Looking at you, marble!) With that said, while trends come and go, it’s always fun to forecast what’s going to be hot in the new year. And as with the “never dress in a trend from head-to-toe” fashion rule, the same applies to home decor. It’s never wise to outfit an entire house in them, but sprinkle in a trend here and there for an updated look. From embracing bold hues to incorporating textured wallpapers, 2024 looks to be a colorful year. Four designers weigh in on what you’re sure to see inside beautiful homes around Dallas this year.

Trend: Working pantries

Working pantries, like this one designed by Hayden Dendy of BRNS Design, feature prep space, storage cabinetry and a pop of pretty design.(Becca Lea Photography)

More and more, new home builds and renovations are including a spot for a working pantry, which is a larger walk-in version with storage and prep space. “Adding countertops, outlets and space to prep in pantries bring an added layer of function to the home and can help achieve a mess-free kitchen space while entertaining,” says Hayden Dendy, designer for BRNS Design, a multidisciplinary architecture and design firm.

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Designer Kara Adam, owner of Kara Adam Interiors, is also urging her clients to consider adding a working pantry to their floor plans. Not only is it practical, but it’s another opportunity to have fun with design. “Pantries are no longer a closet with white shelves,” she says. “They are gorgeous and they’re functional. Design them with pretty countertops, tile and wallpaper, or paint them a fun color. They are truly treated as a room now, not just a closet. This will be budgeted into more and more of my clients’ projects.” She suggests storing appliances that take up space in the kitchen such as coffee makers, blenders and toasters. “They can also be plumbed with a sink or ice machine. Basically all of the things that are noisy or unattractive, so that your kitchen remains a pretty space,” she says.

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Trend: Saturated color

Rich color is starting to saturate every room of the house, like in this bold blue dining room designed by Kara Adam.(Michael Hunter)
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“This year we are going to see homeowners being more adventurous with color,” says Danielle Frazier, co-owner and principal designer of interior design studio Twilly & Fig. “When you saw the trends go towards gray and neutrals and cooler tones, people lost that richness and connection to color. They are starting to feel that void and want to be more playful with color.” Within that, Frazier notes that spaces will continue to see monochromatic use of color, particularly with moody hues. She says she’s seeing an increase in purple spaces, as well. “We just did a living room in a grayish plum that is really rich. It’s a color you don’t hear a lot about now, but you’ll start to see it more,” she says. She suggests trying Benjamin Moore’s “Hazy Lilac” as a way to introduce the trending palette. Aside from the walls, Frazier also notes that homeowners are starting to ask for colorful pieces like rugs, sofas and wallpaper as well. “I think people are willing to take a risk with color on more investment pieces than they have in the past,” she says.

Adam agrees that the neutral all-white look is starting to fade. “In 2024, few people are going to ask for that,” she says. “People want a cozier environment rich in color. Even formal spaces are looking less formal because of the rich color. It draws you in and makes a space scream ‘come hang out in here,’” she says.

Trend: Mixing and matching genres

Designer Kara Adam artfully mixes fresh, contemporary fabrics; furniture pieces with traditional lines; modern lighting; and crown molding details in this family living space.(Michael Hunter)
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As the neutral palette starts to fade, so does the matchy-matchy interior that looks more like a catalogue than a personalized lived-in space. “Our clients are craving an element in their design and in their homes that have a soulfulness to them,” Frazier says. “For instance, we’ve been designing a kitchen with custom handmade tiles on the backsplash. We’re finding that people are wanting to add depth, character and personality through handmade pieces and antiques.” She suggests shopping estate sales and local antique stores for hidden gems or planning a road trip to one of Round Top’s antique show weeks for one-of-a-kind finds.

“We always encourage and push clients to embrace the unexpected,” adds Adam. “Mixing a contemporary piece with an antique will make an environment that is pleasing to the eye.”She also urges clients to purchase art, which personalizes a home even more. She suggest that her clients buy works that speaks to them, rather than what “matches” their interiors. “Your home is an expression of you,” she says. “Art is very subjective. And, it’s not just decoration anymore. It’s a statement.”

Trend: Bold bars and beverage centers

Homeowners are asking for bars and beverage centers that are stylish and functional, much like this striking blue bar designed by Danielle Frazer.(Michael Hunter)

“Bars are huge right now,” says Adam. “We have some homes with multiple bars. And much like how powder baths are the jewel box of the home, that’s how bars are going to be too. They will be extremely layered, rich in colors and accessories, and usually have unique countertops.” And thanks to the playful powder bath aesthetic that has been trending for some time, homeowners are craving more of that layered look throughout the home, which is where a bold bar comes in. “It used to be that we’d go into these beautiful, airy light homes and they’ve had this wild powder bath, but now you’re seeing that personality throughout the home,” she says.

Cheers to the new home bar: How to create a modern, multifunctional space

And on that note, Frazier is seeing an increase in beverage centers, which encompasses every drink throughout the day, from breakfast to cocktail hour. “In the past a beverage center was maybe just a coffee bar or a cocktail bar, but now people want them to be multipurposeful, a place where they can make their morning coffee or tea, make a smoothie bowl after a workout or pour a beverage after work.” Most of these areas include a beverage fridge or fridge drawers, a built-in pullout trash can, a wine fridge, a sink, and cabinets for blenders, coffee pots or tea kettles. “It depends on the person, of course, but they are designed for how they want it to function,” she says.

Trend: Cozy spaces

“The light airy home has had its moment,” says designer Kara Adam. “People now want a cozier environment rich in color.”(Michael Hunter)
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Homes built in the last decade mostly feature open-concept floor plans, which usually include an open family room, kitchen and breakfast nook. But Adam is hoping to design cozier spaces in the next year. “No one wants to relax in their family room when they are sitting on the sofa and behind them is the kitchen,” she says. Dirty dishes, a pot of soup on the stove or clutter on the countertops does not create for a relaxing space. “Creating separation is good for your mental health,” she says. “You can step away from it and go back and clean it up later.” Plus, when a space is large and open, there is no breaking point for a designer to do something playful and fun on the walls or molding. “When it’s one huge space, it’s a lot harder to upholster or lacquer a wall,” she explains.

Her clients are also asking for game rooms. “We can’t do enough of them,” she says. “We are redoing spaces so that people can have a mahjong room. In our home we have a table built for mahjong, but when it’s not set up for that, we always have a puzzle out, too. Work on a puzzle for 20 minutes and it’s good for your brain and it slows things down. Then you can go back to running around or going to carpool,” she says.

Trend: Textured and printed wallpaper

Patterns, textures and fabrics are big in wall coverings this year. Brian Yates, principal designer with Yates Desygn, covered this bedroom in Ever Atelier x Yates Desygn “In-Site” patterned wallpaper.(Michael Wiltbank)
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Wallpaper has been trending for some years now, and it’s still holding strong in 2024, especially selections that boast texture, bold patterns and fabric. “In 2023, we launched our first wallpaper collection with Ever Atelier, Ever X Yates, and it led us to experiment with wall coverings in new ways. For example, new construction ceilings are typically much taller nowadays, and implementing wallpaper can help weigh it down and feel more proportional,” says Bryan Yates, principal designer of Yates Desygn. “In addition, we are currently framing three panels of a de Gournay print to work as a 9-foot-by-9-foot piece of art and create a more significant moment in a client’s dining space rather than using traditional panels as a series.”

Adam notes that adding the right wallpaper to a space helps to evoke a mood, too. “People are wanting texture as opposed to a super flat, quiet space. For instance, when you’re having a dinner party in a dining room covered in cool silk wallpaper, it makes people want to stay. We want our clients to have dinner parties that go on all night,” she says.

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Source: dallasnews.com