Frugal Fridays: I’m a Hustler Baby!

In 2014, debt, debt-free living, finance, frugal living, money, personal finance, savings, side hustles, student loans, travel by KatelynLeave a Comment


I’m a hustler baby,

I just want you to know,

It ain’t where I been,

But where I’m bout to go, (top of the world!)

-Jay-Z, “I Just Wanna Love U (Give It to Me)

Okay, I’m not a hustler in the way you may be thinking. I’m definitely not a pimp or drug-dealer, so please don’t start those rumors!

The Dictionary defines a hustler as an aggressively enterprising person; a go getter. Or a prostitute. I’m definitely NOT a prostitute.

In the personal finance blogging world, we call ourselves side hustlers. I’m a proud side hustler. A side hustler is someone who makes money on the side by doing a variety of things, such as blogging, virtual assisting, mystery shopping, freelance writing, or anything else.

There are a slew of awesome personal finance bloggers out there in the interwebs that describe their side hustles. The beauty of side hustling is that you can do anything that you set your mind to, although I would hope that you would avoid illegal activities!

I first got serious about side hustling in January. This past fall I sat down and took a hard look at my financial landscape. I added up all my debt and all my assets and created my first real monthly budget. I spent some time figuring out a 5 and 10-year plan on where I wanted to be in life both personally, professionally, and financially. I just started a new job with a much higher salary than my previous job. But, my monthly student loan payments more than doubled since my graduate loans came out of there grace period.

Having a storm cloud of over $35,000 of student loan debt hanging over my head scared the crap out of me. I couldn’t find an umbrella big enough to keep me dry. I couldn’t ask for a raise. I already cut back on the extras in my budget to make extra loan payments. I had just started reading a lot of personal finance blogs and discovered side hustling. I was sold.

My Side Hustles

  1. Teach Spin Classes – Since January I have been teaching spin classes at both Zone 3 Fitness and The Bay Club. Since I’m both a personal trainer and certified triathlon and cycling coach, this was a perfect hustle for me. I love it because I get to kick people’s butt in class and also kick my own during class. The money I make teaching classes goes directly to making extra payments on my SallieMae student loans.
  2. Personal Training & Triathlon Coach – I wouldn’t necessarily call this a side hustle because in actuality it is my business. I train several clients in their homes and also coach several athletes in endurance sports. I’m putting this in here because side hustles can be created from things you are passionate about and are good at. I love fitness and triathlons and thus I became a coach and trainer to share my love of the sport and living a healthy life and hopefully changing lives while doing it. And, of course, if you’re looking for a trainer or coach checkout my website – Big Sky Multisport Coaching & Personal Training.
  3. Freelance Writing – I love writing. I’ve always loved writing from an early age and would write stories all day long if I could – especially if it was about horses. I have two blogs myself (I don’t currently make money on either of my blogs, but some people make money with their blogs) and I dabble in freelance writing. I am a staff writer at and hopefully will be publishing some travel posts on a couple of sites in the very near future. I don’t make a ton of money doing freelance writing at the moment, but I love it and will continue doing it to help develop my writing skills, share my story, and make a few extra bucks.
  4. Selling Stuff on Craigslist/eBay/Amazon/Etc. – This past fall I had to buy a new wardrobe for my new professional-attire job. When I buy new clothes I always try to make an enough to go through my closet and get rid of the clothing that I haven’t worn in a long time. I brought clothes to the consignment shop, sold some online, and then donated the rest. I went through my room and house and also sold things on Craigslist and eBay that I no longer used. I sold an old cycling trainer and old GPS running watch online. I am also planning on selling my triathlon bike at the end of the season in prep for returning to grad school in the near future. So heads up if anyone is looking for a sweet triathlon bike with a power-meter!
  5. Surveys – I fill out online surveys to earn airline miles. I’m not actually making real money doing these, but I count it as a side hustle because those miles count towards my mileage award balances that I can then use to earn free plane tickets. Thus, saving money!

Those are things I do to make an extra $200-$500 a month on top of my monthly salary from my full-time job. All the extra money I make I put towards paying off my student loan debt faster and also stuff into my travel savings account for upcoming trips I have planned.

My advice for people is to look for opportunities to make a few extra bucks doing something you love. You can always sell your junk too. Remember, one man’s trash is another man’s treasure. Making extra money has allowed me to reach my financial goals quicker than I would if I just stuck to my budget based on my monthly salary income. I’m working to reaching the top of the world, because I’m a hustler baby! 😉

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