7 Ways to Earn More Money (Without Taking on a Side Hustle)

If you’ve ever googled how to earn more money, most of the advice out there tells you to start a side hustle.

But for many women — especially single mums or anyone juggling work, kids, and life — that’s not always realistic. You don’t have endless hours in the day, and you shouldn’t have to burn out just to get ahead.

The truth is, there are plenty of ways to increase your income and improve your financial position without adding more to your plate. Here are seven practical, low-stress ways to earn more — no side hustle required.

1️⃣ Ask for a pay rise

If it’s been a year or more since your last salary review, it might be time to have that conversation. Come prepared with examples of what you’ve achieved, how you’ve added value, and what others in your role are paid.
You’re not asking for a favour — you’re advocating for fair pay. Confidence and preparation go a long way.

2️⃣ Review your KiwiSaver fund

Your KiwiSaver is one of the easiest tools to help you grow wealth over time, but only if you’re in the right fund. If you’re still in a conservative fund and you’re years away from needing that money, switching to a growth fund could make a huge difference to your long-term balance.
Check your provider, compare fees, and make sure your fund matches your goals and timeframe. Read here for more.

3️⃣ Claim what you’re entitled to

Don’t leave money sitting on the table. Many New Zealanders don’t realise they qualify for extra support through Working for Families, the Accommodation Supplement, childcare subsidies, or tax credits.
A quick check on the Work and Income website or with Inland Revenue can show you what you might be missing out on. Read here for more.

4️⃣ Sell unused stuff

That spare cupboard full of clothes, toys, or homeware? It’s potential cash.
List unwanted items on Facebook Marketplace, Trade Me, or Neighbourly. Even small sales add up — and decluttering your space can do wonders for your headspace too.

5️⃣ Review your bills

When was the last time you checked your power, internet, or insurance plan?
Many providers quietly increase prices over time, so comparing options or negotiating can save you hundreds each year. Loyalty doesn’t always pay — but asking for a better deal often does.

6️⃣ Check your tax

If you’ve had a change in income, worked multiple jobs, or taken unpaid leave, you might be due a tax refund.
You can easily check your account on the IRD website (MyIR). It takes five minutes and could put money straight back into your pocket.

7️⃣ Invest in yourself

Sometimes the best investment isn’t in the stock market — it’s in you.
Whether it’s taking a course, updating your CV, or building confidence in money conversations, every skill you grow can open new opportunities and pay rises down the track. Check out the free resources on the She’s Worth It website.

Final Thoughts

Earning more doesn’t always mean doing more. Sometimes, it’s about making small, smarter changes that compound over time.

Start with one of these steps this week and build from there. Your future self will thank you. 💛

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