How To Work For Yourself

How To Work For Yourself

You can make money without a job

So with a little bit of research and creativity, it’s easy to find ways how to make money without a job. From pet sitting to writing services and selling used items, there is something out there for you.

So say goodbye to having to work from 9-to-5 and wondering how can I make money without a job, and say hello to a flexible work schedule doing something you love!

To learn more about what to do with the money you earn, check out our completely free financial courses, and tune in to the Clever Girls Know podcast.


9. Customer Service Representative

Do you possess excellent communication skills? Do you also have a landline and reliable internet? Then you can earn between $8 and $15 per hour as a customer service representative.

41. Travel Agent

Despite the fact that there are numerous travel sites that make planning a trip a breeze, it can still be time-consuming. What’s more, there may be certain travel conditions that you are not aware of. That’s why there’s still a market for travel agents to scour the web for the best deals, share advice or plan itineraries.

54. Earn Cash by Cooking

Personal chefs travel to their customers’ homes and cook meals for people in their own kitchens. If you have a talent for food prep, you can turn that into a lucrative business, provided that you know how to network. You’ll need to invest in marketing materials, like business cards, a website and advertisements. Word-of-mouth recommendations will be extremely valuable to you as well. Private chef salaries vary depending on your clients and how often you work, but the average private chef salary hovers just under $68,000 per year, according to PayScale.

Secure Long-Term Contracts

In the event that life throws you a curveball and you’re forced to quit before your initial timeline, securing a few long-term contracts will help ease any financial gaps. In order to make a successful leap from your day job to your dream job, you need to sign multiple contracts for upcoming work.

This transition can be tricky, and if you don’t carefully plan ahead, or have a large pile of money sitting around, you could be forced to head back into the traditional workforce within the next few months. But securing multiple long-term contracts, or well-paying recurring gigs can help ease this transition and ensure a higher rate of success for your business.

Before quitting my day job I already had two separate monthly retainer contracts I was working on. One paid me $900 per month and the other just over $2,200 per month, for a total of 30 hours a week. This allowed me some extra time to seek out more jobs and pitch to new clients, while still ensuring that my base of $3,000 per month expenses was covered.

2. Academic tutor

This can be a natural business for you if you are at least above average in one or more academic subjects. English, science and mathematics are prime subjects for tutors. Since they are required course curriculum in virtually every school, and many students struggle with them, you can create a business out of helping kids improve in these subjects.

You can market your tutoring business just by creating a professional looking flyer, and distributing it to the local schools.

43. Telecommute

Telecommuters perform typical office jobs but from the comfort of their own homes. And these days, many jobs can be done over the internet. Use sites like FlexJobs to get connected with telecommuting jobs based on your skills and areas of interest. Get Set: 15 Ways To Work Better From Home

5. You’re excited about continuing self-education

Speaking of change, the one constant for a business is continuous evolution. Acquiring new skills and knowledge is a big part of that.

Perhaps your passion for photography doesn’t translate to the spreadsheets or other record-keeping required to prepare for taxes. Or maybe you have no clue how to market yourself with tactics like email marketing, an effective but complex marketing channel necessitating the help of email marketing software.

Being proactive and educating yourself is a big part of learning how to work for yourself. Some sources where you can find help include the following.

  • The internet serves as a natural resource for information.
  • Check with your local library, community college, or even consider online courses.
  • Leverage YouTube. There’s usually a video about any topic on YouTube.

This learning also extends to your inner workings, such as getting out of your comfort zone. For instance, if you’re not keen on selling yourself or your work, you’ve got to break out of that mindset to capture customers. If you don’t attend networking or industry events, you’ll have to change that behavior, too, so you can gain contacts who can help further your business. Learning how to work for yourself means you must be open to constantly evolving your company and your own habits.

10. Next step: start working from home right now! 

As you can already tell, working from home isn’t a decision you can make out of the blue. It takes lots of planning to get off on the right foot.

As soon as everything is outlined, be sure to roll up your sleeves and get started. We hope our content has been valuable to you.

 If there are any further questions, leave your comments below so we can help you!

This article was originally posted in May 2017. It has been updated to include more accurate and complete information.

2. Advantages and disadvantages of working from home

By reading the following topics, associate each condition to what you plan for your professional future and consider what you believe it’s the most important to have a good quality of life.

 A good tip is making a pros and cons list.

There’s no need to be stuck in traffic 

Especially if you work in a big city, with a lot of traffic. Not having to commute is one of the main advantages of working from home. 

Some people don’t mind spending time in the car or public transportation but if you can’t stand wasting time stuck in traffic you can write this down as a pro for working from home.

Besides, it’s worth considering that at home you’re safer, whereas on the street we’re always vulnerable to accidents or violence.

Spend more time with the family

If you already have a family, you know how every minute with your loved ones matters. 

And this is something to take into account when you decide to work from home, especially if you have children!

Spending long hours at the offices takes a toll on a lot of parents. The need to justify their absences when the children are sick, in addition to, of course, to the expenses that increase the monthly budget, such as full-time school, school transportation, caregiver, among others.

In this sense, it is an advantage both for making sure that your family lifestyle is preserved, as well as for reducing costs, since working from home makes this process a lot easier.

Make your own hours

By working from home you have the flexibility to make your own schedule. Some people are more productive in the morning whereas others work better in the evening or even late at night! 

This can be adjusted according to your profile, especially if you have your own business.

Eat healthier 

If you avoid eating at restaurants, you also avoid giving in to temptation at lunchtime and snacks. 

This way, you have the opportunity to control what you eat and thus, have a healthier lifestyle.

More comfort

At home, you can organize a workspace that better suits you and personalize it according to your needs. You can also plan a space to rest after lunch and make your coffee the way you like it. The whole environment will look just like you, since it is designed by you.

Save money

When you work from home, you avoid having lunch at restaurants and spending on public transportation or gas. And if you save during the week, you can use the money to invest in your business, pay for other important expenses or enjoy the weekend.

No privacy while you’re working

When you work in a private environment or one where people are all focused on the same goal, it’s easier to focus and be productive

But when you work from home, you run the risk of being interrupted several times a day, be it by people who live with you, the phone ringing, a neighbor calling and other common household situations.

Lack of social contact

If you’re a socially active person, who really likes to talk, get ready to spend long periods without much social contact. 

When you work at an office, you have the opportunity to talk while working, have a coffee with other people and make new friends. At home, your day-to-day is naturally more lonely. 

Some people who work from home can solve this problem by working at coworking spaces at least once a week, places designed to receive remote workers.

This way, you get to work from home and still interact with other people.

Working in an unprepared environment

To work from home you need to create a distraction-free environment. 

Especially if you own your business, you’re the one who needs to put pressure on yourself and ensure that your performance is at the expected level. 

However, if you work in an inadequate environment, for example, with your laptop on the bed, your performance will be affected and, in this case, so will your health.

Lack of benefits

This topic is especially focused on people who are starting their own business. 

When you’re self-employed, you don’t get any employment benefits. But don’t forget that if your business is profitable, you’ll have several benefits that compensate for the lack of employment benefits.


At home, you can lose track of the hours you’ve worked and end up working more than at a traditional job.

 We understand that if you’re going to work on your own, you’ll need to put a lot more effort into what you’re doing than at a regular job. But this can’t affect your quality of life. 

Keep reading this post that we’ll give you interesting tips on this topic.

As you can see, working from home and, especially, on your own business has positive and negative aspects. Just like everything in life, of course. It’s up to you to consider what is more important.

What about analyzing your talents and skills to figure out which ones might help on this goal?

2. You have a viable product-to-market fit

Having passion for your pursuit is only part of what’s required. You also need to have a product or service that fulfills a market need. Otherwise, you won’t find customers.

Here’s how to determine that fit.

  • What sets your business apart from competitors? Establish how you want to convey your unique business brand and proposition by formulating a positioning strategy. This also plays into how to market yourself.
  • Who are your ideal customers? What characteristics do they exhibit? How can you reach them to raise awareness of your business offerings? Define your customers through buyer personas (a profile of the customer characteristics that fit your offerings), then implement customer segmentation to align your product or service as well as your marketing strategies to the right groups of clients.
  • Is your product or service fully fleshed out? You must have at least a minimum viable product (an MVP, one that meets the most basic needs of a client) to put in front of customers. Otherwise, your idea may still require more time to build up to the MVP stage before you have an offering to sell.
  • Test various digital marketing tips and evaluate how you’re generating most of your customers. Also interview any clients, even those who rejected your offerings, to gain insight into what to improve. These learnings allow you to determine if you’re at the MVP level, and if so, to zero in on the aspects of your offerings that are the best fit for a particular set of clients.

What Are Some Good Self-Employed Jobs?

What are the best self-employed jobs for beginning entrepreneurs?

Freelancing is by far the best way to start working for yourself. You’re a freelancer if you have a skillset that you sell to a business. You’re not actually an employee for the company—you’re doing a limited amount of work for limited pay, and the work you do is assignment-based. Most freelancers work for several different clients, or they constantly pick up freelance gigs.

What’s great about freelancing is that you can do it for practically any profession. If you’re skilled at something (for example, graphic design or video editing), you can sell your skills to individual clients who need them. Freelancing is the quickest way to turn your passion into a career.

Freelancing has grown in popularity due to the COVID-19 pandemic because many industries have realized that remote workers are efficient and cost-effective (most freelancers work remotely). You can find freelance gigs on websites like Indeed, Upwork, and ClearVoice.

Need more ideas? Here are some great self-employed jobs that fall outside the realm of freelancing.

  • Craft Goods: Craft goods have become increasingly popular over the last several years. You can start a business selling craft beer, jewelry, and artisan pieces.

  • Real Estate: There are many different ways to make money in real estate. You can work as a real estate or property manager or pursue real estate investment.

  • Interior Design: Interior designers are still in demand, and it might be a promising career for you if you’ve got an eye for style.

  • Translation: You can earn good money as a translator if you’re proficient in multiple languages.

  • Event Planner: If you love planning things, you’ll enjoy working as an event planner. This is an easy industry to “niche.” Many event planners specialize in certain types of events, like weddings, reunions, parties, etc. If you’re an avid traveler, you might also enjoy working as a travel agent.

  • Catering: Love cooking? Catering is a profitable self-employed job. The operating costs for catering are far lower than starting your own restaurant, so it’s a great starter business for aspiring restaurateurs.

  • Tutor: If you love teaching—but you don’t want to work in an academic setting—then you might enjoy working as a tutor.

  • Technology: Technology will always befuddle people, and that’s why technology gigs are still as lucrative as ever. Most tech gigs involve maintenance work for offices (like tending to company computers or phone systems).

  • Personal Trainer: If you have a passion for fitness and enjoy motivating others, you could make a good living as a personal trainer. Personal trainers sign a contract with a gym, or promote their services independently—or both.

Self-employed jobs with no prior qualifications needed

Many self-employed jobs require a skill or talent, but there are numerous opportunities with no prior qualifications or education needed. These positions include driving for Uber or food delivery services, providing child or elder care, and blogging. Any of these jobs offer a potential part-time or full-time income.

1. Gig economy

The gig economy encompasses jobs that independent contractors, online platform workers, and temporary workers perform under a formal agreement with on-demand service companies. Popular types of these jobs include ridesharing such as Uber and Lyft, delivery services such as Instacart and DoorDash, and home services such as Handy. Most gig economy arrangements give individuals the flexibility to work as much or as little as they want.

2. Content creation

Many people have found success creating content through blogs and social media sites. Writing blogs, creating videos, and posting on social media are fun ways that people can express themselves and eventually monetize should they gain traction. Creating high-quality, engaging content takes a lot of time and practice, though. Every piece of content needs to be well thought out, with a lot of effort put into it. Creators need to understand that building an audience takes time, and even if they do everything right, the audience may never come. However, there are opportunities to work with brands, creating the various types of content companies need to reach their target audience.

3. Child and elder care

Offering your services to take care of a child or elderly person is a flexible way to earn an income. Parents are always looking for help to take care of and watch over their children, but some can’t afford to put their children in day care. Watching a child for a few hours a day gives you flexibility with your schedule and a rewarding way to make money

The same is true for elder care. Many people want their elderly loved ones to be watched over and have company. Like day care, though, putting them in a community is too expensive for some families. Coming over to their house, talking to them, and doing chores for them is another way you can be your own boss or earn a side income. Companies that want to recruit the best talent often offer child and elder care as a company benefit to attract talent.

Tip:Tip: Working for yourself is all about building and leveraging your network. Consider who you already know, as well as who you need to know and how to best connect with them.

Calculate Self-Employed Expenses

Just like there must be a separation of business and personal income, there’s also additional expenses for being self-employed on top of your regular monthly bills. When you work for yourself you’re responsible for finding proper health insurance, saving for retirement and paying additional costs like personal liability insurance.

And let’s not forget about your self-employed tax bill. Every quarter self-employed individuals are required to pay estimated tax payments based on their projected earnings. This exact amount can be calculated using small business bookkeeping software or from a tax professional. Generally speaking, it’s smart to set aside at least 25-30% of your income towards quarterly taxes.

The percentage for quarterly taxes can be calculated like this:

  • Self-employment tax – 15.3% (Social Security tax – 12.4% + Medicare tax – 2.9%)
  • Personal income tax bracket – 10% (usually starts at this rate for and goes)
  • State income tax – varies (my state income tax is 4.25%)

SE TAX TOTAL = 29.55%

It’s important to note that you won’t pay the full 25-30% of self-employment taxes because you do get one-half of this back in the form of a deduction on the front page of your tax return. Plus, you may qualify for additional credits and deductions depending on your personal situation.

Your effective tax rate will vary but you can use this formula as a starting point to estimate your own self-employed tax bill. I personally set aside 25% of every payment I receive from clients, and this amount has been pretty spot on for the past two years.

What to Consider Before Working for Yourself

As you can see, self-employment comes with great perks. But there are also some significant challenges. If working for yourself was easy, then everyone would be doing it.

Before you quit your day job, consider the following things about self-employment.


You need to be highly motivated to work for yourself. You’ll have to overcome many obstacles, and without the proper drive, you’ll be more likely to quit when things get hard.

Ideally, you’ll be motivated by positive emotions—like passion for the work you’re doing. If you’re motivated by negative emotions, like greed or spite (maybe you’re trying to get back at a former employer that wronged you), then you’ll find out sooner or later that your business is built upon pillars of salt. You’ll lose interest at some point and give up.

Remember that most new businesses fail and that successful businesses are often the result of blood, sweat, and tears.

Financial Uncertainty

The hardest thing about working for yourself is dealing with financial uncertainty. Salaried work is appealing because you know exactly how much you’ll earn in a given month or year. It makes financial planning a lot easier.

When you’re working for yourself, your income may fluctuate dramatically. Financial planning will be difficult—especially in the beginning—and there’s always the possibility that you won’t make enough money to cover your living expenses.

Even when you’re running a successful business, there’s a possibility you may be affected by an economic downturn, like a recession. You’ll have to be financially disciplined during your highs and extremely frugal during your lows.

And if you’re the primary breadwinner for your family, then you’ll have far greater financial risk when you go into business for yourself.

Wearing Multiple Hats

Every entrepreneur dreams of hiring a hardworking staff to whom you can delegate assignments. But when you first begin working for yourself, you’ll have to wear multiple hats: in other words, you’ll have to perform several different jobs.

For example, you initially might not have money to hire a web designer, so you may have to learn how to build a website. You might not have money to hire a marketing director, so you’ll have to learn marketing practices and take charge of your advertising.

Wearing multiple hats means you’ll have more work to do and more stress to manage.

25. Graphic artist

25. Graphic artist

People and businesses are in need of all kinds of graphics for websites and other projects. If you have skills in this area, you can offer your services out to customers on a retail basis. You can find yourself doing diverse projects, from designing logos to creating webpages.

You can start any of these business for no more than a few hundred dollars – and some with no upfront cash at all. Most can be started as side businesses, that you can grow into full time businesses over time. Find one that will work for you, get a couple of clients, and you’ll be on your way to becoming an entrepreneur.


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