How to Live Without a Job in 2023 (Ideas from Reddit)

Here's how you can live without a job and still thrive during the pandemic.

Do you want to learn how to live without a job?

My closest friend lost his job due to the pandemic which inspired me to write this post.

According to USA Today, of the 20.6 million jobs lost, 18 million are expected to be temporary when the pandemic recedes.

That being said, the process of rebuilding and repairing your job after the loss of a job can also be a good experience.

While small efforts to improve your situation take time, sooner or later, you will get back on your feet.

While striving for your old way of living can difficult, you can still definitely thrive without a job.

Here's how you live without working full time.

How Can I Live Well Without a Job?

life admin tasks

This new chapter can be an exciting time for you to take control of your life – your choices, your goals, and your aspirations.

However, the perks of living without a job are also coupled with responsibilities, such as paying bills, rent, and saving – but these responsibilities don’t need to be scary.

Your first step in living without a job or money is minimizing your expenses and making sure your basic life administration tasks are taken care of.

If you want to do more than just survive without a job, and thrive, keep these life admin tasks in mind.

Here are 5 life admin tasks you should take control of now, to help make life easier in the future.

Saving money

There are a variety of reasons why making extra money and saving money after losing a job is important. Savings give you peace of mind, open up options, and can positively impact your quality of life.

If you don't have a job, the idea of saving money might seem impossible. However, even if you only have $20 left at the end of the month, every little bit counts.


Because everyone has to start somewhere, and if you keep at it, your money will accumulate over time.

One of the most important reasons to save is to have access to an emergency fund in case of unforeseen circumstances, such as an accident or in your case — job loss.

Without having money put away for the unexpected, you may open yourself up to financial risk in the future.

Emergencies aside, saving money can set you up for the future and open up opportunities that you may not otherwise have.

Say you want to buy your first car, go on a round-the-world trip, or even save for a deposit on a home.

Saving can help you reach important life milestones, so it’s never too early to start. When it comes to saving, starting small is the best way to go – with only a few simple habit changes, you may start seeing results.

For example, you could try to stop eating out or buying coffee every day and start meal prepping for the week.

Or, you could use apps to get cash back on things you would buy anyway. There is a cash back app called Ibotta that helps you make money off your grocery receipts. By developing saving habits now you’ll set the foundations for a secure financial future.

Bills, fines and regular payments

Bills are going to be part of your life forever, so it’s better to get into the habit now of paying them on time in order to avoid financial stress and bad credit scores in the future.

There are a few easy ways to stay on top of paying your bills, such as using bill-payment reminders, setting up a bank account exclusively for bills, or setting up automatic transfers as soon as your salary comes in or signing up for money-saving apps like Rocket Money.

Rocket Money

Rocket Money helps 3.4+ million members save hundreds. Get the app and start saving today. Save more, spend less, and take back control of your financial life with Rocket Money. It is a free-to-use app, but they do offer several OPTIONAL services that do cost money.

Get Started


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However, it’s important to consider more exhaustive insurance that, while not compulsory, could be crucial to protecting yourself financially in case of an accident.

For example, third party property insurance covers you if you cause damage to another driver’s vehicle, but not for damage to your own car. Even better, comprehensive car insurance covers damage to both your car and others’ in the event of an accident.

Ultimately the choice is yours, however considering the value of cars (including luxury ones) and that accidents – unfortunately – do happen, purchasing comprehensive car insurance could be the safest and most financially-savvy choice.

Health insurance is another important consideration. While Medicare will cover general health needs, it doesn’t cover specialty health services like dental, podiatry or optometry that can be costly.

You may be fit and healthy now, but you can’t predict what your physical or mental health will be like in the future, and the last thing you want is to be faced with large medical expenses.

Sort your calendar out

It can be hard to make time for work, friends, family, and relaxation, but having a proper work-life balance is crucial for a healthy lifestyle.

To achieve this, try organizing your priorities using a calendar or a schedule. That way, you can better manage your time and allocate it to your priorities and the things you care most about.

You can either purchase a paper planner or simply use the calendar on your computer or phone.

A simple way to organize yourself is to separate your activities from your priorities and color code them.

If your calendar is dominated by one color, then you know it’s time to rebalance your priorities.

Figure out your tax

As long as you work, you’ll have to pay tax. If you had a job your employer would most likely deduct tax out of your pay, in which case, it shouldn’t be a problem for you to work out how much tax you should be paying.

Things can get trickier if you’re an independent worker or work for less than a full financial year. If you’re entitled to claim tax back, or if you earn less than $18,000 in one financial year, you may get a tax refund. Additionally, accountants can also help in terms of identifying deductibles you may not have considered.

By being organized and financially-conscious, you can set the path for a stress-free future. Remember, in addition to saving you should also spend time trying to find ways to make supplemental income such as taking paid surveys or signing up for freebies.

How to Live Without A Job

With the number of ways to make money without a job option, it’s hard to know which ones are worth it and which ones aren’t worth your time.

This list covers some of the most popular and potentially lucrative side hustle ideas. Your best bet to make money in order to cover the bills is to look into ways to get work anytime:

CompanyWhat You NeedEarning Potential
fundrise beermoneyfundrise beermoney$10 to Invest in Real Estate8.7 – 12.4% Annual Returns


swagbucks beermoneyswagbucks beermoneySmartphone$100+ Per Month


inboxdollars SmartphoneUp to $50 Per Survey


nielsennielsen panelSmartphone$50 This Year Just for Downloading Its Free App


Featured Income Generation Sources

Most of the ways to make money on this entire list are suitable for anyone in order to increase your sources of income.

Get Paid to Watch Videos & Collect Your $5 Right Now

  • Pay: $50-200 per month
  • Summary: The first thing you can do right now is signing up for InboxDollars which pays you, in cash, to watch fun videos & take surveys.
Get Paid to Watch Videos

One thing you can do to not work for a living is sign up for InboxDollars which pays you, in cash, to watch fun videos & take surveys.

If you sign up before the end of this month, they also give you a $5 free bonus just to give it a try.

By spending just 5-10 minutes per day on this (either on your lunch break or during TV commercial breaks) you can earn and earn an extra $50/month.

More people should be doing this to live without working.

Click here to snag $5 at InboxDollars just for signing up

Visit InboxDollars

Your New Secret Weapon for Finding Out if Major Stores You a Refund

  • Pay: Up to $500 per year
  • Summary: Your new secret weapon is called Capital One Price Protection — a free tool that gets you money back for your online purchases.
Paribus Review

Instantly get refunded for things you already bought with the free app.

My new secret weapon is called Price Protection — a free tool that gets you money back for your online purchases.

So this happened.  I bought something online from Target.  The price of the Keurig cups I purchased dropped in price after the fact.

I effortlessly got refunded without doing a thing.

I didn’t have to do anything, other than originally sign up.

It’s as simple as that.

This free app will scan your emails for any purchase receipts from dozens of online retailers. You don’t even have to know about the price drop in order to get your refund. It’s 100% free and will save you a lot of money. I pocketed around $50 in the first few weeks of signing up. Remember, it’s 100% free!

You don’t even have to know about the price drop in order to get your refund.

Price Protection has identified over $6.5 million in potential savings for their users to date! It's as easy as signing up and getting free money for nothing.

Sound too good to be true?  Well, it’s not.

Join a Work-From-Home Network and Get Offers Sent to Your Phone

  • Pay: $5 to $15 per hour
  • Summary: Work from home networks are free-to-join services that match people with the top work from home opportunities.
survey voices

Work from home networks are free-to-join services that match people with the top work from home opportunities that best suit their availability and income goals.

No matter if you only have an extra 1-5 hours a week to commit or 30-40 hours, there are opportunities in the network for you.

It’s worth the 3 minutes sign up to see what jobs are available to you to make money even if you have a full-time job! You only have to provide your name, address, email address, and desired monthly income, etc.

If you’d like to join a top network to see what opportunities are available for you, click here to sign up.

Visit SurveyVoices

How to Sell Your Old Phone and Get Paid Quickly

  • Pay: $100-200 for your old phone
  • Summary: Want to sell your phone and get paid? You can easily sell it on Gazelle for cash. This is the easiest way to sell it quickly.
Sell Your Phone and Get Paid

Do you have an old phone lying around?

I know most of my friends and family and they don’t really care to try and sell them or are too busy.

Not me, I usually upgrade my phone once every two years and sell my old one online. I try not to wait too long after upgrading to sell the old phone because as each year passes, the fair market value of the phone, are losing value. They lose value and can be sold for less as the technology becomes obsolete.

Your best bet is to sell it immediately.

Sure, you can try listing them on eBay or Craiglist, but this can prove to be quite the hassle.

Or you can easily sell it on Gazelle for cash. This is the easiest way to sell it quickly.

Want to sell your phone and get paid? You can easily sell it on Gazelle for cash. This is the easiest way to sell it quickly.

They also accept your old Macbooks and other Apple products.

Another option is to bring your old phone to Best Buy, Walmart, or your wireless provider, to see what kind of trade-in value they will give you toward a new phone.

Click here to Trade in your old devices at for cash.

Visit Gazelle

Get Paid to Give Your Opinion at PandaResearch (Get a $3 Bonus)

  • Pay: Up to $50 per survey
  • Summary: Want to sell your phone and get paid? You can easily sell it on Gazelle for cash. This is the easiest way to sell it quickly.

Taking online surveys with Panda Research to make extra money is a no-brainer!

You definitely won’t get rich or make hundreds of dollars per day with surveys alone, but you won’t waste much time, and you can make some money the easy way. It is one of my favorite (and highest paying) survey site:

Panda Research: This is a free survey site for your phone that pays you to take online surveys, participate in focus groups, and try new products.

And, I really mean free all around – free to join and they don’t charge anything to be a member (they will actually pay you in points which you can use to get Amazon gift cards).

Join for free through this link and get your free registration bonus.

Panda Research pays up to $50 per survey, and many of them take less than 5 minutes to complete. It is one of the highest paying survey sites that actually works. Click here to start making extra cash with Panda Research.

Visit PandaResearch

Get a Free $5 to Invest in the Stock Market

  • Pay: Make money investing the stock market with your spare change and earn 7% to 10% on your money each year (may fluctuate with market swings)
  • Summary: Set your savings on autopilot with the Acorns investing app, and bank a $5 Acorns bonus on us!
Acorns Bonus

Want to invest? Do your coworkers or friends all talk about their investment portfolios and investing in the stock market? You’ve been meaning to get in the stock game, but how do you start if you don’t have a big wad of cash to invest?

We’ve got your answer. It’s called Acorns, and it’s an app that lets you start investing without risking big bucks.

AcornsCNBC calls it “the new millennial investing strategy.” Once you connect the app to a debit or credit card, it rounds up your purchases to the nearest dollar and funnels your digital change into an investment account. Sign up to try it risk-free with a $5 sign up bonus.

And here’s a bonus for our BeerMoney friends: Get a free $5 in stocks when you make your first investment.

You can download Acorns for free.

With the app, you’ll start small and stack up change over time with the Acorns “round-up” feature. That means if you spend $15.25 on your connected debit or credit card, for example,  75 cents gets dropped into your Acorns account.

Then the app does the whole investing thing for you. It’s that simple. Now you can brag to your friends, too.

The idea is you won’t miss the digital pocket change — you know, out of sight, out of mind.  And those automatic savings stack up faster than you’d think.

The app is free to download on the app store or google play, and the service costs $1 a month for balances under $1 million-plus you’ll get that $5 bonus just for starting out. Or you can sign up with your student email and it's free.

The sooner you start investing, the sooner your money can start to grow toward your goals. Get started with this Acorns bonus today.

Visit Acorns

Join MindsPay and You Can Earn Cash for Sharing Your Opinion about New Products

  • Pay: Up to $50 per survey
  • Summary: Mindspay Research, is a US-based surveys and product trials website that will pay you for your opinions on product research.
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Join MindsPay and you can earn up to $50 cash for sharing your opinion about new products and services you buy. MindsPay also offers an outstanding referral program and other ways to earn.

Earn extra cash by evaluating products and services. Get up to $50 for each completed survey, product and service reviews. Plus earn up to $.50 for every email you read.

Free to join.

MindsPay compensates its members to test out products, services and give feedback on those tested. It’s free to sign up and only requires a small amount of information.


  • Instant $3 bonus on sign up
  • Make up to $50 reviewing products & services
  • Occasional high-paying focus group invites
  • Read emails for up to $0.25 each
  • Low disqualification rate
  • Free coupons and samples just for being a member
  • Refer new members and you get 10% of the earnings they generate

You can learn more in our MindsPay Review.

How to Earn a Free $10 on Your Next Trip to the Grocery Store

  • Pay: Up to $20 per month in cash back
  • Summary: Another way to live without working is by using cash back apps like Ibotta that offer a $10 quick signup bonus.
ibotta welcome bonus

The app you should know about is a top cash back app Ibotta.

It is a cell phone app that is available for iOS or Android phones, and it helps you make money off your grocery receipts.

Yup, for real!

Download the Ibotta app to earn cash back when you buy featured grocery items (things like milk, eggs, and even alcohol).

Then, cash in your earnings for Amazon gift cards or get paid cash via PayPal.

Get cash back everywhere you shop with offers at hundreds of stores. You actually get real cash with this app — not points or credits.

If you wanted to get real cash via PayPal or Venmo, or buy a gift card with your earnings just download Ibotta for free.

Want to know much Ibotta users earned in total so far?


Ibotta users have earned millions in cash back rewards — Real people earning real cash. Join now and start saving on every purchase!

Ibotta users have earned millions in cash back rewards — Real people earning real cash. Join now and start saving on every purchase. If you do regularly coupon, you can still use the app and get a rebate. You can essentially get grocery items for free if you’re really into couponing. It’s free and all you have to do is scan your receipt and you’ll get free money back.

The best part, sign up here and you will receive a $10 cash bonus.

Visit Ibotta

How to Avoid Debt When You're Living Without a Job

Credit Card debt or any kind of debt is terrifying, especially for someone in their early to late ’20s, who is still trying to get their feet on the ground in their career, life, personal relationships, and family.

Because of this, I am going to outline a few tips and tricks to pay down your debt fast if you are trying to live without a job.

Start saving more

For one, you are going to start saving money from each paycheck to allocate to paying off your debt.

For starters, with each purchase you make on a daily basis, ask yourself if you really need that item? Simply continue to look for ways to save.

Even if you're on a tight budget it is still possible to save money, for example, you can get an app to help you. Rocket Money can help and 80% of people save money by using Rocket Money to find and cancel unwanted subscriptions!

Rocket Money

Rocket Money helps 3.4+ million members save hundreds. Get the app and start saving today. Save more, spend less, and take back control of your financial life with Rocket Money. It is a free-to-use app, but they do offer several OPTIONAL services that do cost money.

Get Started

Just remember, credit card debt increases the longer you don’t pay it back, therefore it is crucial to pay it off as quickly as possible.

Putting away a percentage of your paycheck each week, or two weeks will help lessen the total amount due on your credit card debt.

Although this may be hard to do, especially for someone that is already trying to make each paycheck count, it will help save you money in the long run and continue to live without a job.

Start investing

If you are looking to thrive without a job then don't forget about investing. It’s been said that the average millionaire has seven streams of income. Dividend stocks are usually always in the mix. Dividend stocks are similar to regular shares of stock, but they pay you a small portion of the companies earnings monthly or quarterly.

So it’s wise to build a portfolio of dividend-paying stocks.

If you want to get started with dividend investing but have no idea how to get started, check out Robinhood.

Robinhood: This is a free investing app for your phone for total beginners. Also, I really mean it is free all around – free to join and they don’t charge any fees to buy or sell stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link.

What I like about Robinhood is that they make it really easy to invest in stocks, and even dividend stocks, while still having plenty of features as you get more comfortable with investing. They give a free share of stock, to begin with, so you have nothing to lose.

Investing either in the stock market, ideally on dividend-paying stocks, or investing in a high interest-earning account can earn you money that you previously didn't have, which you can use to pay off your debt.

Although the stock market option can be risky, and the interest-earning account may take a long time, they are both two ways that you should look into when exploring options to increase your bank balance and pay off your credit card debt. If you have no idea how to get started you may benefit from these simple tips on how to start investing in the stock market.

These three options, when done correctly, can help you pay off debt fast so you can continue to live without a 9-5 gig. It is never good to let that debt sit around, build up, and turn into an overwhelming amount of money.

Therefore, you are going to want to tackle that debt on head first and get to paying off that debt fast.

Living Without a Job

While these ideas are quick ways to make money to help you pay your rent, bills, and expenses — there is more to it.

Here is a list of other ways to help make you money in the long term so you can thrive without a job.

How to Get Money Right Now

These apps help you get your paycheck early and can help you borrow money instantly. I mean you worked today, get paid today.

Brian Meiggs
Brian Meiggs
Brian is the founder of and has tried every side hustle under the sun. He teaches people just like you how to make money with BeerMoney sites online and has been featured in Yahoo! Finance, NASDAQ, Discover and more. He normally shares the latest money-making apps, videos, and topics for those who want to make money online.

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