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How to Balance Your Online Side Hustle with a Full-Time Job
Money Motivation Side Hustle

How to Balance Your Online Side Hustle with a Full-Time Job

In today’s rapidly evolving economy, relying solely on a day job for income may not always be enough to meet financial goals and aspirations.

That’s why I recommend individuals turn to online side hustles to supplement their earnings and create additional streams of income. However, effectively managing a side hustle alongside a demanding full-time job can be a daunting task.

In this article, we will explore practical strategies to help you strike a balance between your online side hustle and your primary employment, empowering you to harness the benefits of diversifying your income.

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Assessing Your Current Situation

When embarking on a side hustle while working a full-time job, taking the time to assess your current situation is crucial. This assessment involves evaluating your financial needs, goals, and commitments to determine the feasibility and direction of your side hustle. Here’s a closer look at the key aspects to consider:

Financial Needs

Begin by understanding your current financial obligations, including expenses, debts, and savings goals. Determine how much additional income you need or want to generate through your side hustle. Consider factors such as monthly bills, loan repayments, future investments, and any potential changes in your financial circumstances.

Using Your Time Off Effectively

One thing I did to balance my full-time job and my side hustle is that I would occasionally take half days and even full vacation days off from my day job so that I could work on my side business. This allowed me to have some extra time in the week without feeling like I was spreading myself too thin. I also liked to bring my lunch to work so that I could use the house on my side business, instead of spending the time driving somewhere to get food.” says Michelle Schroeder-Gardner, founder of Making Sense of Cents

Financial Goals

Set clear financial goals for your side hustle. These goals can range from paying off debts, saving for a specific purpose (such as a down payment on a house or starting an emergency fund), or even achieving financial independence. Define the monetary milestones you aim to achieve, both in the short-term and long-term, through your side hustle.

Time and Energy Availability

Realistically assess the time and energy you can dedicate to your side hustle without compromising your performance and well-being in your full-time job. Consider your regular working hours, commuting time, and personal commitments. Determine the hours or days you can allocate to your side hustle activities and be honest with yourself about your capacity to maintain consistency and quality.

To be honest, it’s hard to balance a side hustle with a full-time job. You can try to set a schedule for your side hustle (ex., work from 6-9); you’re not going to stop every night at 9, especially if you are in a zone and getting things done. If you have a stressful day at your job, there will be times when you will not feel like working on your side hustle. The best thing you can do is work on your side hustle an hour or two before you go to work. Also, work on your side hustle on the weekends if possible.” says Jason Butler Owner of My Money Chronicles


Balancing a full-time job and an online side hustle has taught me the true value of self-care, particularly the importance of sleep. Prioritizing healthy eating and regular exercise are vital, but it’s the emphasis on good sleep that has made the most significant impact. In the early days, I thought powering through the night and cutting down on sleep would bring me closer to my goals.

However, the reality was a significant drop in productivity and focus. I soon understood that quality sleep was not just beneficial, but essential for my success. Ensuring a full 7-8 hours of sleep each night has become a non-negotiable part of my routine. This rest enables me to wake up refreshed, focused, and ready to effectively tackle both my full-time job and side hustle tasks. In essence, while juggling multiple roles, sleep has emerged as the unsung hero in maintaining my performance and well-being.” says Peter Koch founder of DollarSanity 

Setting Clear Objectives

With a clear understanding of your financial needs, goals, and time availability, set specific objectives for your side hustle. These objectives should align with your aspirations for financial stability and growth. For instance, you might aim to generate a certain amount of income each month, acquire a specific number of clients or customers, or expand your services to reach a wider audience. Clear objectives serve as a roadmap, guiding your efforts and providing a sense of direction.

Balancing Priorities

Recognize that balancing a full-time job and a side hustle requires effective prioritization. Consider how your side hustle aligns with your long-term career goals and evaluate whether it complements or conflicts with your primary employment. Assess the potential impact of your side hustle on your current job and personal life, and be prepared to make adjustments and sacrifices to maintain balance.

This is something that was very important to Logan Allec when he first started, to the point his wife gave him an ultimatum: “Online side hustles, especially ones that can *eventually* become more passive in the long run (like a blog), can take up a lot of your time before you actually start making money with them. And if you’re investing all this time into your online side hustle on top of holding down a full-time job, you probably don’t have a lot of time left for other things. 

And while you might be OK with that — it’s *your* dream, after all — you really need to get “buy in” from other people in your life who are stakeholders in your time. Obviously, if you’re married, the number one stakeholder in your time is your spouse. So make sure they’re on board with your online side hustle and the time commitment it will take! I personally wish that I had taken this advice when I was spending nearly all my nights and weekends building my blog. 

After a year into it, I *had* reached my goal of five figures per month, but my wife had also given me an ultimatum: “Job, blog, or wife: pick two!” It worked out since I had built the blog to the point where I could quit my job to work on the blog full-time, but I definitely wish I had initially been more upfront with my wife about the time commitment building the blog would take!” 

By thoroughly assessing your financial situation, understanding your time and energy constraints, and setting clear objectives, you can enter your side hustle journey with a well-defined purpose and realistic expectations. This assessment will help you make informed decisions, allocate your resources effectively, and ensure that your side hustle aligns with your overall financial stability and growth goals.

Time Management Strategies

Effective time management is crucial when balancing a full-time job and an online side hustle. By implementing the following strategies, you can optimize your productivity and ensure that you meet your obligations in both areas:

Prioritize Tasks

Start by identifying the most critical and time-sensitive tasks for both your job and side hustle. Make a list of the tasks that require immediate attention or have strict deadlines. By focusing on these priority tasks, you can avoid feeling overwhelmed and ensure that you complete essential work on time.

Before blogging became my full-time job, I had a 9-to-5 corporate career and managed my side hustle at night. Balancing both endeavors and nurturing personal relationships required a significant investment of time. However, I discovered a way to optimize my schedule during the day. For instance, during virtual work meetings where my active participation wasn’t required, I would tackle small tasks for my business such as responding to emails, preparing content outlines, and sending invoices to partners. The onset of Covid-19, although unfortunate, proved to be a blessing in disguise for those working from home, as it allowed us to multitask effectively.” says John Pham, Founder of The Money Ninja 

Create a Schedule

Allocate specific time blocks for your side hustle activities each day or week. Treat these time blocks as non-negotiable commitments, just like you would for your day job. Having dedicated time slots for your side hustle allows you to stay organized and focused. Consider your energy levels and personal preferences when scheduling these blocks to optimize your productivity.

Throughout my career, every time I’ve left a job, I’ve managed to negotiate a continued relationship doing some of my duties as a freelancer while I moved on to different cities and different jobs. Most of the time, those duties were to create social media posts, so I could do that and schedule them on nights and weekends while I worked my new 9-5 during the rest of the week. 

I think a big part of why that worked for me was that I didn’t bite off more than I could chew: The work was something I knew I could easily manage with companies I was already extremely familiar with. I didn’t try to add more clients or increase my workload since I was already full-time elsewhere. I could have absolutely made more money taking on more work, but I knew it would lead to burnout across the board for me, including the new full-time positions, and that wasn’t worth it. Being honest with yourself and your workload is key.” says Lauren Keys, creator of Trip Of A Lifestyle

Eliminate Time Wasters

Identify activities that consume time without providing significant value. This could include excessive scrolling on social media, excessive time spent on non-essential tasks, or getting caught up in unproductive discussions. Minimize or eliminate these time wasters from your routine to free up valuable time for your side hustle and important job-related tasks.

Delegate or Outsource Tasks

Recognize that you can’t do everything on your own. Consider outsourcing or delegating certain tasks within your side hustle to free up your time and focus on essential responsibilities. Assess the tasks that can be efficiently handled by others, such as administrative work, content creation, or customer support. Outsourcing or delegating these tasks allows you to leverage the expertise of others while maintaining control over the overall direction of your side hustle.

Time Blocking

Implement the practice of time blocking, where you allocate specific time slots for different types of tasks. For example, you can assign a block of time in the morning for your day job, followed by a block in the afternoon or evening dedicated to your side hustle. This structured approach helps you maintain focus, minimize distractions, and ensure that you allocate sufficient time to each area of responsibility.

As someone who spent four years blogging on the side while holding down a full-time job, the most important tip I learned was to build in small but consistent work periods throughout the day.

For me, this meant waking up 30 minutes earlier than normal to blog a bit in the morning. I also spent some of my lunch break at work blogging, and then another 20-30 minutes blogging in the evening instead of watching TV.

When you add up that time, it’s enough to get a few posts done per week or to at least move in the right direction. I still think dedicated work periods of intense focus for a few hours at a time are important for side hustle success. But even if you’re strapped for time and have other obligations, small steps in the right direction are better than no progress at all.

As a side note: occasional weekend work periods were also key to my success. I think people are often scared of burning out, but sometimes, short-term sacrifice is necessary to grow a business or side hustle. This habit, stacked with small consistent wins, help scale an online side hustle into a more serious income stream.” says Tom Blake, founder of This Online World

Multitasking with Caution

While multitasking can seem like an effective way to handle multiple responsibilities, it often leads to reduced productivity and increased errors. Instead, practice focused work by dedicating your attention to one task at a time. This allows you to work more efficiently and produce higher-quality outcomes.

Continuous Evaluation and Adjustment

Regularly evaluate your time management strategies to identify what’s working well and what needs improvement. Assess the effectiveness of your schedule, the tasks you’ve prioritized, and the impact of any delegation or outsourcing efforts. Be open to making adjustments and refinements as you gain insights and feedback from your experiences.

By prioritizing tasks, creating a well-defined schedule, eliminating time wasters, and considering delegation or outsourcing options, you can effectively manage your time and maximize productivity in both your full-time job and your online side hustle. Remember, maintaining balance requires ongoing evaluation and adaptation to meet changing demands and ensure optimal performance.

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Flexibility and Adaptability:

Flexibility and adaptability are essential qualities to cultivate when balancing a full-time job and an online side hustle. By embracing flexibility and being open to new opportunities, you can navigate challenges and optimize your results. Consider the following strategies:

Embrace Flexibility

Recognize that unexpected events or changing priorities may require adjustments to your schedule. Be prepared to adapt and rearrange your time blocks when necessary. This flexibility allows you to effectively address urgent matters in both your job and side hustle without feeling overwhelmed. Embracing flexibility also helps you maintain a healthy work-life integration by accommodating personal obligations or unforeseen circumstances that may arise.

Be Open to New Opportunities

Stay receptive to potential opportunities that align with your side hustle and career goals. As you progress, new avenues may emerge that can enhance your side hustle’s growth or open doors for professional advancement. Continuously evaluate the market, industry trends, and customer demands to identify potential areas for expansion or diversification. Adapt your strategies and offerings as needed to optimize your results and stay ahead of the curve.

Assess and Adjust Your Strategies

Regularly assess the effectiveness of your current strategies in balancing your job and side hustle. Reflect on the challenges you encounter and the lessons you learn along the way. Be willing to make adjustments and refinements to your approaches based on these insights. By remaining adaptable, you can refine your time management, marketing strategies, and overall business model to ensure continued growth and success.

I work a full-time W2 job and have been running a business for the last 7+ years. The 4 things that contribute to being able to successfully do so:

1. Having a great team who support a lot of the day to day tasks

2. Good time management, where you have defined days and times you handle things for the business

3 Standard operating procedures (SOPs) so any new person coming around have a guide to get stuff done

4. Systems in place that support task that don’t need manual intervention once set up.” says Patrina Dixon, Founder and CEO of It’$ My Money®️

Seek Feedback and Learn from Experiences

Actively seek feedback from clients, customers, or mentors in your side hustle and professional network. Valuable insights from others can help you identify areas for improvement and provide fresh perspectives. Embrace constructive criticism as an opportunity for growth and use it to adapt your strategies and enhance the value you deliver.

Embrace a Growth Mindset

Cultivate a growth mindset, which emphasizes continuous learning and development. Embrace challenges as opportunities for growth, view setbacks as learning experiences, and stay motivated to improve your skills and knowledge. Embracing a growth mindset allows you to adapt to new situations, acquire new competencies, and overcome obstacles with resilience and determination.

Remember, flexibility and adaptability are key to navigating the dynamic landscape of a full-time job and an online side hustle. By embracing flexibility, being open to new opportunities, assessing and adjusting your strategies, seeking feedback, and maintaining a growth mindset, you can navigate challenges, seize new possibilities, and optimize your results in both your job and side hustle.

Tracking Progress and Adjusting Strategies

Tracking your progress and adjusting your strategies are crucial components of effectively balancing a full-time job and an online side hustle. Regular evaluation and adaptation allow you to optimize productivity and success. Consider the following strategies:

Monitor Your Progress

Regularly evaluate the effectiveness of your time management and balance strategies. Set specific metrics and goals to track your progress in both your job and side hustle. Keep a record of key performance indicators, such as revenue generated, client satisfaction, or completion of milestones. Review this data regularly to gain insights into your progress and identify areas for improvement.

Reflect on What’s Working Well

Take time to reflect on the aspects of your approach that are yielding positive results. Identify the strategies, techniques, or habits that contribute to your productivity and success. Acknowledge your strengths and leverage them to maximize your efficiency and effectiveness. Understanding what’s working well helps you build upon your successes and replicate them in other areas.

Identify Areas for Improvement

Concurrently, identify areas that may need improvement. Reflect on the challenges, obstacles, or bottlenecks you encounter. Assess whether your current strategies or time management practices are effective in addressing these issues. Look for patterns or recurring issues that hinder your progress or cause inefficiencies.

Solicit Feedback from Clients or Customers

Actively seek feedback from your clients or customers in both your job and side hustle. Their perspectives can provide valuable insights into the effectiveness of your approach and help you understand their needs and expectations. Consider sending out surveys, conducting periodic check-ins, or providing channels for open communication. Incorporate their feedback to refine your strategies and better serve their needs.

Continuously Refine Your Strategies

Based on your observations, feedback, and self-reflection, make necessary adjustments to your strategies. Adapt your time management techniques, prioritize different tasks, or implement new approaches to overcome challenges and enhance your productivity. Continuously refine your strategies to optimize efficiency, effectiveness, and the overall balance between your job and side hustle.

Stay Agile and Open to Change

Embrace an agile mindset that allows for flexibility and adaptation. Be open to experimenting with new approaches or technologies that can streamline your workflow and improve your results. Embrace change as an opportunity for growth and improvement rather than a disruption to your routine.

Regularly Review and Set New Goals

Set regular intervals to review your progress, assess the effectiveness of your strategies, and set new goals. This can be on a monthly, quarterly, or yearly basis, depending on your preferences and the nature of your job and side hustle. Setting new goals helps you stay motivated, provides a sense of direction, and ensures that you’re consistently challenging yourself and pushing for growth.

By monitoring your progress, reflecting on what’s working well, identifying areas for improvement, seeking feedback, and continuously refining your strategies, you can optimize your time management, productivity, and success in both your full-time job and online side hustle. Regular evaluation and adaptation are essential for maintaining balance and achieving your goals.

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