Are you stuck paying off school and payday loans? We’re giving you 7 millennial money tips to help you pay off your loans faster.

Let’s face it: most millennials are strapped for cash.

You’re living on an entry-level salary but paying high rent on your simple one-bedroom apartment.

Your student loan lender is calling because your six-month payment deferral is about up, and you’re one of many new grads who’ve racked up more than $20k in student loan debt.

To top it all off: you’ve been asked to be a groomsman at yet another wedding, requiring a new tux and weekend travel to a faraway beach. (If you’re in a pinch, you’ve come to the right place.)

Cha-ching, cha-ching: your expenses are quickly outgrowing your income.

What’s a twenty- to thirty-something supposed to do? How do you manage your own millennial money crisis?

You’ve gotta think outside the box. But that’s what millennials are best at: creative thinking and challenging the status-quo.

Here are 7 millennial money tips to help you earn extra income and finally start getting ahead.

You’re At the Computer Anyway….

Thanks to the internet, there’s no such thing as borders anymore. These days, skills like web designing, online teaching, and content writing can be done from anywhere in the world.

Job sites like Upwork and Indeed provide hundreds of listings per day for these types of remote side gigs.

You’ll likely need to demonstrate knowledge and experience in whatever area you’re pursuing, so have a CV in line and be ready to show a portfolio of previous work.

If you work a desk job during the day, just remember one crucial millennial money tip: never let a side gig interfere with your primary job. Then you’re really in the hole.

Market on Social Media

You already have an Instagram account. Why not leverage it?

Gather a big following and post frequently, and the big brands and companies may start turning to you to bring them cash.

Best part: you get paid.

Millennials who’ve found success in this are able to charge companies for each Instagram post they make. Posts feature a brand or product and once you start getting loads of “likes”, big brands won’t hesitate to give you a few bucks for advertising on their behalf.

To start growing your Instagram feed, post often – at least once per day – and make sure your photos look good. Also, use #hashtags so that people searching for content are directed to your feed.

Develop your own style and start engaging with followers – shout-outs, feedback, you get the drill.

Get Behind the Wheel

More than 70% of Uber drivers say they’re better off financially due to the part-time job opportunity.

Uber and other ride-share services are easily accessible to millennials and can earn you cash any day of the year, and any time of day.

If you’re doing a lot of driving around the city already, this is millennial money waiting on the table.

And it’s a cash-less system: all payments and tips are handled through the app, minimizing headache for you as the driver.

Show ‘Em Your Digs

Well, not really. But you already live in New Zealand, a popular tourist spot for tens of thousands of people.

Why not sign on with a tour company and provide tours in your local neighborhood? This is a great choice for extroverted millennials since you’ll be doing lots of talking and answering loads of questions.

Or, better yet, start up your own small company and market your personalized service to tourists. It’s a great option for weekends and days off.

If you’ve lived in the area awhile and are familiar with historical/cultural attractions and the best local restaurants, this may be a great option for you.

Be the Tutor You Wish You’d Had

This is a flexible option and great for free evenings. Kids are in school during the day, anyway.

If you’re a strong writer or good at math, market these skills on one of the countless websites meant to connect tutors with kids needing extra help.

And don’t feel like you need to set your sights on a certain age. All students need tutoring help – even high schoolers, college kids, and adult learners. What matters isn’t the grade or age of the student – it’s that you know your stuff.

You can generally set your own hourly rate and may be able to charge extra for test prep or essay reviews. It’s a millennial money tip you can’t overlook.

Your Free Time Doesn’t Have to be Free

Meaning, why not earn some cash doing the types of things you enjoy doing already?

Do you enjoy cooking meals at home? Consider advertising a meal service to your friends and neighbors. Busy families would jump at the chance to have a home-cooked and healthy meal delivered a few times a week.

Do you like to sew? Consider flipping old t-shirts and baby clothes into easy quilts. Or advertise that you’re able to do alterations like hemming pants.

Are you into fitness? Pair up with someone needing a coach and deliver one-on-one fitness coaching. You’re at the gym anyway: might as well cash in on it.

Write an E-Book

Do you have even moderate knowledge of a particular topic that others may find valuable? If so, consider writing an e-book.

E-books of a technical or informational nature don’t need to be long – definitely not as long as a book you’d pick up from a shelf at the bookstore. 10k-20k words would be plenty.

They can be compiled on standard word processors, converted to e-book format, and loaded onto self-publishing sites like Amazon.

An e-book also requires almost no “maintenance” meaning that once you write it, you forget it. It’s a perfect option to bring in passive income.

With the millennial money tips we’ve listed, your wheels should be turning: what do you like to do in your spare time? What are you good at?

Don’t be miserable at your low-paying desk job forever. Side hustles are a flexible and varied way to pay off those loans more quickly and start saving some extra cash.

Contact us today for more advice and tips for managing millennial money.

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