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How to Make Money on Maternity Leave: A Comprehensive Guide for Moms

Make Money on Maternity Leave

Being financially stable during maternity leave is crucial for new mothers. It provides peace of mind and allows you to focus on your new bundle of joy without worrying about your financial situation. 

In this comprehensive guide, we will explore various ways in which you can make money on maternity leave

From short-term disability insurance to side gigs and online surveys, we’ll cover a range of opportunities to help you boost your income and secure your financial stability during this important phase of your life.

How to Make Money on Maternity Leave: Multiple Methods Discussed

Short-Term Disability Insurance: Financial Protection

One of the first steps in securing your financial stability during maternity leave is to consider short-term disability insurance. 

This type of insurance can provide you with a percentage of your regular income while you are unable to work due to pregnancy or childbirth-related issues. 

Before choosing a policy, it is important to understand the benefits and coverage options available. Look for policies that cover both childbirth and complications during pregnancy. 

Additionally, pay attention to waiting periods, elimination periods, and any exclusions that may apply. 

By purchasing short-term disability insurance, you can ensure that you have some financial support during your maternity leave.

maternity leave

Side Gigs: Flexibility and Additional Income

Side gigs are a great way to earn extra income while on maternity leave. They offer flexibility and can be tailored to fit your schedule. 

Consider your skills and interests when choosing a side gig. Some popular options for pregnant women include freelance writing or editing, graphic design, virtual assistance, and tutoring. 

Freelancing platforms like Upwork, Fiverr, and Freelancer are excellent resources to connect with clients who require your specific skills. 

It is important to start your side gig before your maternity leave begins to build your client base and establish your reputation. 

Remember, starting a side gig requires dedication and time management, particularly when juggling the demands of motherhood.

Online Surveys: Earning Money at Home

If you prefer to work from the comfort of your own home, participating in online surveys can be a great option to make money during maternity leave. 

Companies are constantly seeking consumer opinions and are willing to pay for them. There are several reputable survey platforms available, such as Swagbucks, Survey Junkie, and Vindale Research. 

Registering with multiple platforms can increase your earning potential. Keep in mind that while participating in surveys, it is important to provide honest and thoughtful responses to ensure your continued participation in future surveys. 

Make the most of your time by completing surveys during nap times or when your baby is settled.

Passive Income Streams: Building Financial Stability

Passive income streams can provide a steady income during maternity leave and beyond. Rental properties and real estate crowdfunding are popular options for generating passive income. 

Investing in a rental property can be a long-term strategy to earn rental income while your property appreciates in value. Real estate crowdfunding allows you to invest in properties with a smaller initial investment compared to buying a property outright. 

Another option for generating passive income is creating digital products or online courses based on your expertise. 

Platforms like Teachable and Udemy provide an avenue to monetize your knowledge and offer your courses to a global audience. 

Passive income streams require some effort upfront but can provide a stable source of income in the long run.


Exploring Part-Time Work and Side Hustles

Part-time work and side hustles offer opportunities for additional income while maintaining flexibility during maternity leave. 

Look for part-time work opportunities that align with your skills and interests. Popular options include working as a virtual assistant, content creator, or customer service representative. In addition to part-time work, starting a side hustle can be a fulfilling way to earn money on your own terms. 

Consider starting a small business from home, such as crafting, selling homemade products, or offering specialized services. 

It is important to strike a balance between work and taking care of your newborn during maternity leave. Prioritize tasks and set realistic expectations to avoid burnout.

Budgeting and Financial Planning

Creating a budget during maternity leave is essential to manage your expenses effectively. 

Start by determining your income from sources such as short-term disability insurance, side gigs, and passive income streams. 

Evaluate your monthly expenses and prioritize essential items like food, housing, and transportation. Consider making adjustments to non-essential expenses to align with your new financial situation. 

There are numerous budgeting apps available, such as YNAB and PocketGuard, that can help you track your expenses, set financial goals, and stay on top of your budget.

Maternity Leave Grants and Government Assistance

Exploring available grants and government assistance programs can provide additional financial support during your maternity leave. 

Research organizations and foundations that provide grants specifically for new mothers. Check if you meet the eligibility criteria and follow the application process to secure a grant. 

Additionally, find out if there are any government assistance programs that you may qualify for. These programs may offer financial support, childcare subsidies, or healthcare benefits. 

It is important to review the requirements and apply within the designated timeframes to access the assistance you need.

financial planning

Frequently Asked Questions

Can I work during maternity leave?

It depends on your specific situation and the regulations in your country or state. Some maternity leave policies may allow you to work part-time or engage in certain types of work while on leave. 

However, it is important to consult with your employer and review local laws to understand the restrictions and requirements.

Will unpaid maternity leave qualify for unemployment benefits?

Unpaid maternity leave typically does not qualify for unemployment benefits since you are not considered unemployed while on leave. 

However, it is advisable to check with your local labor authority or unemployment office for specific regulations in your area.

How can I balance work and taking care of my newborn during maternity leave?

Balancing work and taking care of your newborn requires effective time management and prioritization. 

Create a schedule that allows dedicated time for work and baby care. Consider childcare options, enlist the help of family members or trusted caregivers, and set realistic expectations for what you can accomplish during your work hours.

Are there any tax implications for earning money on maternity leave?

Tax implications vary based on your earnings, country, and specific tax regulations. Generally, income is taxable.

It is recommended to consult with a tax professional to understand your tax obligations and any deductions or benefits related to your earnings during maternity leave.


Making money on maternity leave is not only feasible but also essential for your financial stability. 

By exploring options such as short-term disability insurance, side gigs, online surveys, passive income streams, and part-time work, you can secure your finances during this crucial period. 

Budgeting and taking advantage of available grants and government assistance programs can provide additional support. 

Remember, finding the right balance between work and taking care of your newborn is key. Embrace the opportunities available and establish your financial independence on your terms. 

With proper planning and determination, you can navigate this exciting phase of motherhood while maintaining a stable and fulfilling financial future.