With the end of the year approaching, you might also be nearing the end of your holiday budget. If money’s tight this time of year, consider getting one of the best seasonal jobs to earn some extra cash over the holidays.
Plenty of people are looking to hire a helper, find personalized gifts, or add some cheer to their holiday event. Here are 16 part-time holiday jobs to earn money on the side this season.
1. Part-time holiday jobs in retail
Most retailers will hire extra help to handle the influx of customers during the holiday season. Check with local stores for seasonal positions and pick up some extra hours (and income) each week.
Plus, most stores give employees a discount, so if you’re working at a favorite shopping spot, you can save more on gifts, too.
2. Mystery shopper
If you do a lot of holiday shopping, you can make money doing it by becoming a mystery shopper. This is a person who goes into a store and gives feedback on their experience as a customer.
“Mystery shopping is abundant because retailers have specific deals that they want to make sure their employees are offering, and they want to make certain that the retail stores are in welcoming condition,” says Bethany Mooradian.
She’s been a mystery shopper for over 20 years and writes about earning extra income on Work At Home FAQ. “It’s a great way to earn money on a flexible schedule,” she adds.
3. Holiday item reseller
Whether it’s artificial trees, holiday decorations, or ugly Christmas sweaters, you might be able to make some dough snatching up lightly used items and reselling them.
Kat Tretina, Student Loan Hero’s resident side-hustle expert, says she used to flip Christmas sweaters to make extra money in college. “I would look for them in September or October (the uglier, the better), and sell them on eBay,” she says.
4. Gift wrapper
Tretina also wrapped gifts — and made decent money doing it — during the holiday season.
“I would post on Craigslist, and people would pay a flat rate per package,” Tretina says. “I’d go over to their home armed with wrapping paper, glue guns, ribbon, and ornaments from the dollar store.” After supplies, she estimates she made $20 to $25 an hour wrapping gifts.
5. Holiday decorator or light hanger
Plenty of people are willing to pay someone else to put up and take down holiday decorations.
This might include decorating inside, such as putting up holiday garland or hanging ornaments and lights on a Christmas tree. You can make more putting up lights on home exteriors, however. All you’ll need is a ladder and some know-how.
6. Snow remover
There’s serious money to be made in snow removal services. You can offer to keep neighbors’ sidewalks and cars snow-free, for a price. Businesses, in particular, need their driveways, sidewalks, and parking lots snow- and ice-free.
This can be especially lucrative if you already own a snow-plow attachment.
7. Rideshare or delivery driver
Maybe you’ve considered driving for Uber or Lyft, or working for a delivery service like Postmates or Shipt. Around the holiday season, there will be lots of business to be had shuttling people, food, or other items around.
Earn more by taking advantage of surge pricing and driver sign-up bonuses.
8. Holiday-themed baker
The best seasonal jobs let you earn money while you do what you love.
If you have a passion for baking, make some cash whipping up holiday-themed cupcakes, cookies, peanut brittle, or another specialty. You could even cater an office party or put together baked-goods gift baskets.
Advertise on a listing site, on social media, or by word-of-mouth. Just make sure you’re complying with your state’s cottage food laws.
9. Family portrait photographer
Lots of people need an updated professional photo to send with their holiday card around this time of year. If you have a decent camera and photography skills, you can offer family portrait sessions.
Photography prices vary a lot by experience and area. Check the pricing of other photographers in your area to know what to charge.
10. Christmas card designer or mailer
If you have graphic design, calligraphy, or illustration skills, you can charge a flat rate to design holiday cards.
If you lack those skills, you can still make money by setting up a card-sending service. Customers send you a photo, text, and a list of addresses; you get everything printed, stuff the envelopes, and mail the cards on their behalf.
Just make sure you’re pricing this service correctly so it’s worth your time after all of your costs.
11. Live musician
Those with a musical talent can get paid hourly for providing live music at churches, holiday parties, and other seasonal gatherings. Get together friends from your choir or old band and learn some carol arrangements.
12. Santa impersonator
Have a resemblance to a certain jolly holiday figure? Try your luck as a Santa Claus impersonator — some Santas reportedly make an hourly wage in the hundreds of dollars, and you can charge even more on weekends, Christmas Eve, and Christmas. Even if you’re renting a costume, you can still come ahead with this gig.
If it’d be hard to pass yourself off as Santa Claus or the Mrs., you can also dress as an elf, snowman, nutcracker, the Grinch, or another holiday-themed character.
13. House or pet sitter
With many people leaving town for the holidays, it’s the perfect time to make some extra money as a house or pet sitter. If you’re visiting another city, house sitting can also be a great a way to find a free place to stay.
For pet sitting, sites like Rover connect pet parents with locals who are willing to provide in-home care and dog walking while their owners are away on vacation. If you’re an animal lover, it’s a fun and easy option to make some extra cash.
If you really want to make some dough, fall back on an old stand-by: babysitting.
“We go on a hiring spree before the holidays because of the increase of business during that time in all of our markets,” says Rachel Charlupski, founder of The Babysitting Company. “Sitters make between $15 and $30 per hour, and some even get perks like first-class travel to Aspen, Europe, and even private islands.”
15. New Year’s resolution coach
Gene Caballero, founder of lawn care service GreenPal, has a unique way of making money each holiday season: He helps people achieve their New Year’s resolutions.
With his exercise science degree and past experience as a personal trainer, Caballero puts together personalized fitness plans. “The timing for this is perfect because these plans can be given as gifts to family members and friends, or even coworkers,” he says.
If you have a similar area of expertise, you could help people put together plans or roadmaps to achieve career goals, financial resolutions, or other important personal accomplishments in 2019.
16. All-purpose holiday helper
“This time of year can be especially busy and stressful,” says Angie Nelson, an entrepreneur and owner of The Work At Home Wife. “Rather than spend our days stressed out and unable to enjoy the festivities, we outsource what we can around the holidays.”
Many people who are short on time are willing to pay to clear some items from their to-do list.
“It’s also pretty easy these days to find a short-term personal assistant who can help with last-minute shopping and running errands leading up to holiday gatherings,” Nelson says.
Whatever time or talents you have available to you, there are plenty of opportunities to put them to use earning extra cash before the end of the year. There’s still time to find the best seasonal jobs in your area — and your holiday budget will thank you.
Interested in refinancing student loans?Here are the top 8 lenders of 2020!
|Lender||Variable APR||Eligible Degrees|
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.20% APR (with Auto Pay) to 6.99% APR (with Auto Pay). Variable rate loan rates range from 1.99% APR (with Auto Pay) to 6.89% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 12/13/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on our student loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
2 Important Disclosures for SoFi.
3 Important Disclosures for Figure.
Figure’s Student Refinance Loan is a private loan. If you refinance federal loans, you forfeit certain flexible repayment options associated with those loans. If you expect to incur financial hardship that would impact your ability to repay, you should consider federal consolidation alternatives.
4 Important Disclosures for College Ave.
College Ave Disclosures
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
1College Ave Refi Education loans are not currently available to residents of Maine.
2All rates shown include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
3$5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.
4This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 1/1/2020. Variable interest rates may increase after consummation.
5 Important Disclosures for Laurel Road.
Laurel Road Disclosures
Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Mortgage lending is not offered in Puerto Rico. All loans are provided by KeyBank National Association.
ANNUAL PERCENTAGE RATE (“APR”)
There are no origination fees or prepayment penalties associated with the loan. Lender may assess a late fee if any part of a payment is not received within 15 days of the payment due date. Any late fee assessed shall not exceed 5% of the late payment or $28, whichever is less. A borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
For bachelor’s degrees and higher, up to 100% of outstanding private and federal student loans (minimum $5,000) are eligible for refinancing. If you are refinancing greater than $300,000 in student loan debt, Lender may refinance the loans into 2 or more new loans.
ELIGIBILITY & ELIGIBLE LOANS
Borrower, and Co-signer if applicable, must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between “Resident Since” date and “Card Expires” date or has no expiration date); state that they are of at least borrowing age in the state of residence at the time of application; and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements).
Graduates may refinance any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. Any federal loans refinanced with Lender are private loans and do not have the same repayment options that federal loan program offers such as Income Based Repayment or Income Contingent Repayment.
All loans must be in grace or repayment status and cannot be in default. Borrower must have graduated or be enrolled in good standing in the final term preceding graduation from an accredited Title IV U.S. school and must be employed, or have an eligible offer of employment. Parents looking to refinance loans taken out on behalf of a child should refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for applicable terms and conditions.
For Associates Degrees: Only associates degrees earned in one of the following are eligible for refinancing: Cardiovascular Technologist (CVT); Dental Hygiene; Diagnostic Medical Sonography; EMT/Paramedics; Nuclear Technician; Nursing; Occupational Therapy Assistant; Pharmacy Technician; Physical Therapy Assistant; Radiation Therapy; Radiologic/MRI Technologist; Respiratory Therapy; or Surgical Technologist. To refinance an Associates degree, a borrower must also either be currently enrolled and in the final term of an associate degree program at a Title IV eligible school with an offer of employment in the same field in which they will receive an eligible associate degree OR have graduated from a school that is Title IV eligible with an eligible associate and have been employed, for a minimum of 12 months, in the same field of study of the associate degree earned.
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
The repayment of any refinanced student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower’s graduation with an eligible degree), if the borrower is an eligible student in the borrower’s final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Lender agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Lender has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of November 8, 2019 and is subject to change.
6 Important Disclosures for Splash Financial.
Splash Financial Disclosures
Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers.
7 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 1.76% effective November 10, 2019.
8 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of 5 years and is reserved for applicants with FICO scores of at least 810.
As of 12/019/2019 student loan refinancing rates range from 1.90% to 8.59% Variable APR with AutoPay and 3.49% to 7.75% Fixed APR with AutoPay.
|1.99% – 6.89%1||Undergrad & Graduate|
|2.31% – 7.36%2||Undergrad & Graduate|
|2.06% – 6.81%3||Undergrad & Graduate|
|2.62% – 6.12%4||Undergrad & Graduate|
|2.29% – 6.65%5||Undergrad & Graduate|
|1.99% – 7.06%6||Undergrad & Graduate|
|1.85% – 6.13%7||Undergrad & Graduate|
|1.90% – 8.59%8||Undergrad & Graduate|