Silent Preparation Series – Part 1


Prepare Your Finances for Divorce By Earning Money on the Side


I took a trip in 2019 to New Mexico with my business besties, Latasha Booth & Kemberli Stephenson. We had a great time in a rented VRBO with an amazing view, eating amazing meals and engaging in great girl talk while watching Brene Brown. The picture at the top of this post was taken on the balcony of our vacation property!

It was a fun but relaxing trip that I used my Freedom Funds to pay for. We planned the trip months prior so when it was time to go, I was more than ready, mentally & financially! 

What are Freedom Funds you ask?

Our money serves various functions in our life but it all can fall into 3 categories. Fixed Expenses, Flexible Expenses, and Freedom Funds. Freedom Funds are the dollars set aside to live life as you see fit. This may mean traveling, fine dining, indulgent self-care, or other fun ways to do WHATEVER you want. 

As you prepare for divorce, the freedom funds account becomes partially repurposed. It doesn’t mean you can’t have any fun, but it does mean that you may need these funds for “not-so-fun” things as a result of your pending divorce. 

In order to build your freedom funds quickly, it might be a good idea to earn some side/pocket money. 

In our Ultimate Financial Resource Guide, we’ve included income-earning opportunities for you to choose from depending on your situation. Most of the options are non-committal. We’re not suggesting you pick up a formal part-time gig (unless that’s what you need) just opening your eyes to simple ways to earn money to gain your “freedom” quicker!


Earn Side Money With Market Research Surveys

I used to participate in market research studies in person, but ever since COVID-19 hit all the invitations have been for online surveys. 

I get market research survey invitations multiple times a week that pay anywhere from $50 to $250 depending on the length of time needed and the subject matter. In July 2020 my son and I participated in a market research study that paid $250 for sharing our opinion. It took about an hour a day over 3 days to answer all the questions. 

While you won’t qualify for every survey and it’s purely optional which ones you decide to apply for it can be a simple way to increase your pocket change and build your freedom funds as you plan for your exit. In the same way that people fight over money while they’re married, I often hear people saying they can’t afford to leave.

Within the Ultimate Financial Resource Guide, I only recommend companies that I am personally signed up for or I know to be reputable. No one wants to participate in a study that they never actually get paid for.

Signing up with multiple research companies increases your chances of being invited and qualifying. If you decide to pause participating in studies (which I’ve totally done), it’s as simple as not responding to the survey invitation. 

Most pay in hard dollars, but some offer a points program or gift cards. I’ve never had to provide any bank account information for direct deposits – they just mail me a good old fashioned check. 

Popular market research companies include Precision Research, Schlesinger Associates, and Focuscope. 

Happy opinion giving!


Earn Side Money By Selling Your Stuff

One woman’s trash is another woman’s treasure. Not only do I have clothes in my closet with the tags still on them but I also have shoes that I never wear and purses that I rarely carry. As you prepare your life for your new future, purging items that you no longer need or want can be a win-win situation.

First, it gives you the opportunity to declutter, and 2nd you may be able to earn cold hard cash from the items that you get rid of.

You can earn side money by selling your stuff on websites such as Threadup, Poshmark, and Letgo just to name a few.  Here’s an important note in that statement – I said your stuff.

Selling your own personal items or what may be deemed in the divorce world as separate property is typically fine. Selling items that may be classified as “marital property” makes things a bit messier.

Before you decide to sell anything, I invite you to browse the sites listed within the Ultimate Financial Resource Guide. It may trigger ideas about all the good stuff in your home just waiting to help you earn more money.

Happy selling!


Nikki Tucker

Nikki Tucker

Founder & Managing Director


Nikki is a 16-year financial services professional, a Certified Divorce Financial Analyst ®, and the primary divorce financial strategist for The FIIRM Approach. She helps female breadwinners prepare for divorce to avoid common financial mistakes and confidently maintain their financial security. She uses proven strategies within the FIIRM Approach methodology so her clients can manage their money, debt, and credit in their new financial life. TAKE ACTION & LEARN about the tools that can help make your new money life easier. Grab your FREE Ultimate Resource Guide HERE. 

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