Income Protection

Some creative ways to boost your income

Is the rising cost of living making it challenging to achieve your financial goals? You may be looking for creating ways to boost your income (that don’t involve asking for a pay rise or taking on a second job).  

In 2021, research by revealed that one in three Kiwis had a second income stream. So, what are other New Zealanders doing?  

Selling second-hand items 

Do you have unwanted items taking up space in your home? Why not sell them online?  

According to a survey, 18% of people in New Zealand earn extra cash by selling second-hand items on sites like Trade Me and Facebook Marketplace. It’s a great way to declutter your home while making some extra money. Plus, you’re helping to reduce waste and promote sustainability by giving items a second life. 

Not quite sure where to start? This guide on includes 30 tips on how to sell on Trade Me.  

Renting out a room 

If you own your home, renting out a spare room can be a great way to boost your income. In fact, 6% of Kiwis surveyed by Finder in 2021 were doing just that.  

Depending on where you live, you may also be able to rent your room short-term on platforms like Airbnb or LiveLocal. Just make sure you comply with local laws and regulations and take steps to protect your property and guests. 


Thanks to the gig economy, freelancing is a popular way to earn extra income. If you have skills in writing, design, development, marketing, or anything in between, there may be demand for your services in the freelance market.  

According to Finder, 5% of respondents in their survey were freelancing, enjoying the freedom to work from anywhere and set their own hours. Of course, it may take some time to build a steady stream of work, but with persistence and a plan, it might even turn into your main source of income.  

Making and selling crafts 

Do you have a creative streak? Three percent of Kiwis surveyed by Finder were making and selling crafts like jewellery, art and woodworking.  

With online marketplaces, finding an audience for your handmade goods has never been easier. Finding a niche and putting your own spin on it is key. Test your crafts in a local street market and don’t forget to promote your products through social media to grow your audience. 

Teaching or tutoring 

If you have expertise in a particular subject, why not share your knowledge while earning extra income on the side?  

You can teach in-person or online through platforms like Udemy or Skillshare. Having strong communication skills and a deep understanding of the subject matter is key, as well as being adaptable to different learning styles.  

Pet-sitting or dog walking 

Last but not the least, many pet owners need help with their furry friends: by offering your services as a pet-sitter or dog walker, you can help fill this need while earning extra cash. In this digital age, there are online platforms that connect pet owners with local pet-sitters and dog walkers: all you need to do is create a profile, set your rates, and specify your availability.  

Pet-sitting and dog-walking can suit people with a flexible schedule, as many pet owners need services during the day or on weekends. Plus, it can be a great opportunity for stay-at-home parents or retirees looking for ways to supplement their income. 

Thinking of protecting your hard-earned income? 

That’s where we come in. You can use our handy quote compare tool to explore your income protection options, or other insurance types depending on your needs. And if you have any questions, our friendly insurance advisers are here to help: give us a call on 0800 800 400, start a Live Chat or fill in our contact form to get in touch.  


Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance. 

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