Making Time for Making Money

This post may contain affiliate links. Please read our disclosure page for more info.

Making MoneyThe following is a contribution from our friend Shannon, at Financially Blonde. If you’re interested in contributing to Sprout Wealth, please contact us.

Money and me have been friends since I was fourteen years old and I got my first envelope of cash on payday at the bagel store where I worked. I enjoyed working, but I enjoyed making money even more. Therefore, I worked through high school and college and never got into credit card troubles because I was constantly making money. From an early age, I understood the basic tenet of making money, and it was making time. I remember adjusting class schedules and social calendars so I could fit in shifts at my various jobs. I missed out on a number of activities with friends, but it was a choice I was willing to make.

I often have clients complain that they don’t have enough money or they don’t make enough money and the fact is, they could make plenty more money, they just don’t want to sacrifice their personal time in the pursuit of money. Unfortunately we live in an era where it is very easy to get things, and I think that the ease of access to information and stuff has made some of us lazy in other areas of our lives. I am sure we all had grandparents who talked about walking ten miles to the bus stop, uphill with no shoes and rolled our eyes when they spoke about everything we have that they don’t. I feel similar when it comes to advising people on making money. My first job was in a bagel store where I worked the 6am to 2pm shift, which meant that I had to wake up on my Saturdays and Sundays a little after 5am to get ready for work. Making money did not come easy, but when I made the time for it, it came.

Sprout Wealth is a great new website that is devoted to helping all of us make more money and grow our wealth, but we have to understand that this is not something that comes without a sacrifice of time on our parts. If you are thinking about growing your wealth by investing, you will need to take the time to research and determine what you want to buy, how you will allocate your money and then check in on it regularly to make sure that you are staying on track with your investment goals and guidelines. If you are thinking about making extra money by picking up side hustles like website testing, secret shopping or babysitting, you will need to make the time in your schedule to accomplish these side hustles.

I think a number of us want to make more money desperately; however, we feel as though there are not enough hours in the day to find the time to do it. If you fit into this category, here are some ways that you can “make time.”


1)    Perform a “day” audit to find gaps in your schedule

Think about the things you do regularly every day, like what time you wake up and what time you go to bed. When do you have lunch? What do your weekends look like? After a thorough examination of your regular calendar, do you think you can make slight adjustments or changes to fit more things in? For me, I know that I can stay up later. Think about how much you could accomplish if you stayed up an hour later and devoted that time to making money. I have been offered money to write posts for other people, and I know that when/if I accept this work, it means that I will be staying up an extra hour or so every night until I finish the work. Yes, I miss sleep, but if I want to make money, I can’t get everything I want.

2)    Schedule “making money” time in your calendar

I live and die by my Google calendar. A friend of mine once joked that I scheduled going to the bathroom. As a working wife and mom, some days I feel as though I should schedule the bathroom, otherwise it might not happen. If something is put in the calendar, though, it will get completed. Scheduling time in your calendar specifically focused on making money will allow you to schedule around this time and ensure that it is a priority in your week.

3)    Replace non-income earning activities with income earning activities?

I know a number of people who are in athletic leagues with their friends or parents who have committed to multiple activities for their children. Can you replace any of these with time for you to make money? Instead of playing soccer one night a week, can you spend that time on freelance work? Instead of piano lessons, can you prop your kid in front of the computer to learn piano while you work on your investment portfolio?

4)    Brush up on your multi-tasking skills

Sometimes we feel as though we don’t have the time; however, if we can push ourselves to multi-task during opportune moments then we can accomplish more. Can you be doing more during your commute to work? While waiting in the doctor’s office, can you fill out surveys online? I always wonder while I am multi-tasking by playing Candy Crush what else I can be doing with my time that is more productive.

5)    Work as a team

If you are married or in a relationship, can you work together to free up more time for each other? Or maybe you can take turns on who makes the time to make money. My hubby is a high school physics teacher and in constant demand for tutoring. He is also the one who typically makes dinner in our house. However, on the nights that he is offered a tutoring job, I take on the dinner chore so that he can allocate his time to his side hustle. I had a few work commitments recently, and my hubby wrote some blogs for me to ease my workload so I could focus on the moneymaking activities.


There are so many ways to make additional income, and if you are looking to pursue those, make sure that you find the time to accomplish them.


Do you have a difficult time finding the time to make money? If not, how do you manage it?


Shannon McLay is a financial planner who left a “traditional” financial services firm to start her own company, NextGen Financial, to help clients in their 20s and 30s get financially fit. Through her blog, Financially Blondeher book and her company, Shannon is committed to making financial fitness fun, easy and accessible for others. 


Photo courtesy of: Tax Credits

If you enjoyed this post, please consider leaving a comment or subscribing to the RSS feed.


  1. Thanks for the post Shannon! It can be difficult to find time to get things done, but I generally come back to what my priorities are and that makes it clearer as to what I should be doing. Since my wife and I work together we keep each other accountable to staying on schedule, but more importantly, that we’re being efficient with our time, so we can maximize money making opportunities.
    John recently posted…Money Lessons From a Happy MealMy Profile

  2. Great job Shannon. I make time for myself to make money for all of the fun stuff I want to do. I’m a collector of antiques and other things. I definitely don’t want to touch my employment income for their, my wife wouldn’t be too happy. But, by doing some consulting, running a website and being an author has enabled me to pay for those fun hobbies and so much more. What did it take? A few extra hours a week. A week. I’m not talking about each day, but holes in the week that were dead time. Not time I was spending relaxing or resting but time I was spending doing absolutely nothing, lost time.
    Scott @ Youthful Investor recently posted…Leaving a Job I Just Started for a Better One – Is it Ethical or Legal?My Profile

  3. This is a really good breakdown Shannon. I have become a bit of an expert at making the optimal use of my time. Before work, during lunch, and at night I try to ‘hustle’ my way to making more money. I know there is probably more I can do as far as prioritizing my time and outsourcing tasks, but for now I think I’m doing pretty well. I also agree that a lot of people who complain about not having enough time for money simply are not willing to sacrifice their personal time to make more money. For example, programmers can command a high salary and it’s a skill you can literally teach yourself at home. The problem is that it takes many many MANY hours to master a coding language to the point where you can either contract work at a high hourly salary or land a high-paying salary. Most people aren’t willing to make the initial sacrifice.
    DC @ Young Adult Money recently posted…4 Ways to be Better Prepared for Taxes Next YearMy Profile

  4. Hi Shannon, and thanks for an insightful post 🙂

    That being said, “…they could make plenty more money, they just don’t want to sacrifice their personal time in the pursuit of money.” That’s me in a nutshell. I guess I’m the odd-man out ’cause I value my time ay more than money. Mind you, I’m not silly enough where I am not doing anything to make money! But I tend to do just the right amount to bring in enough dollars to live and then the rest of the time is my own!

    I did however, think all your points re valid ones and could be overlapped with other areas of life that are not income related!

    Thanks again Shannon and take care. All the best.

    lyle @ the Joy of Simple recently posted…Simple Sunday – 8My Profile

  5. Awesome post Shannon! Thank you for sharing it with us. I learned quickly that much of my day when I was not at work was not productive. TV took up a lot of that time. Now that I don’t have cable and I am better at managing my time, I get things done and make money in the process. I can’t complain about that!
    Grayson Bell recently posted…Hey, I Have Another Big Announcement!My Profile

  6. What you said just hit me dead on “they could make plenty more money, they just don’t want to sacrifice their personal time in the pursuit of money”. Wow Shannon, i salute you for your hard work since you were a child up until now. Well done madam’me, you may be already past the road on how to retire a millionaire into the road on how to help other people become successful financially. What age do you think you’re gonna stop working?
    Jeff @Project Ikonz recently posted…Ebay side hustle is awesome and crap at the same timeMy Profile

  7. My daughter who has her violin class twice a week, I’ve been planning if she already knows how to read the notes and master how to play a violin, then that time I would just let her watch a video on YouTube to improve her violin skills. And also, I’m a truly dependent on Google calendar, for me it really help me to manage my time well and doing priority task first.
    Clarisse @ Savvy Scot recently posted…Banking while living or traveling abroadMy Profile

  8. […] I just recently wrote a post about how you can find more time to make more money, and I like to think of this as the follow up to that post. Imagine that you took my advice, you worked your schedule hard and found time in it to make more money, and you did. The problem you have now is that you feel as though your life is out of balance because you replaced time used for other activities with the pursuit of making money. This is akin to the never-ending debate about “work-life balance.” […]


Please enter your comment!
Please enter your name here

CommentLuv badge