How can you be Frugal and Still Make Money on the Side When you are Sick?
This week, I was in hospital for some pregnancy issues, then my heart had problems.
Problems I’ve had for weeks but no one took me seriously until they saw it on the hospital bed.
Suddenly, they were quite concerned and I am having a plethora of test over the coming weeks since I am 7 months pregnant.
I had just started really trying to smash my debt, maximise side hustles and other income, take on new clients etc. So the timing is unfortunate as it changes all those plans.
However, I have had severe medical issues before. Paralysis with level 10 pain (pain so great you blackout, childbirth is an 8) for months in 2015 and again in 2017.
Multiple operations and other issues required me to slow down, step back and change direction.
Disclosure – this post may contain affiliate links.
How to Make Money on the Side When Sick
Depending on your illness, requirements for health etc you might not be able to make as much on the side as normal. Or you might not be able to do some of the things you planned.
Also, you could be required to do nothing and simply rest.
What you do is up to you but be sure to follow medical advice and only do what you are capable of doing.
Be realistic
Before deciding what to do or committing to too much, be realistic about what you are capable of doing. For me, it is fairly limited. If it can be done from bed or in small spurts requiring not much energy, I can do it. This means the flyers I was doing with my kids and similar can no longer be done.
Online Surveys
They get a bad rap but for most people, even if bedridden, you can do some surveys. You can read a full review of the best online survey sites for Aussies to see which to use and which to avoid.
Online surveys also work well as they can be done any time from anywhere. You don’t have the pressure of dealing with clients (compared to being a freelance writer or virtual assistant for example).
Cash Back
Not technically earning but since we are 2 months from Christmas if you sign up to cashback programs you can get cashback on your Christmas shopping. It might not seem like heaps but every bit counts!
CashRewards: By far my favourite as it usually has the highest cash back offer, the payments are processed easily and customer services has been good.
Simply join CashRewards for free, activate it when you see the cash back offer and get a bonus $20 cash back with your first purchase over $20.
Shopback: Works the same as CashRewards. You can only activate and use one so I compare to see which one is offering me a better deal. Join Shopback for free and get a bonus after your first purchase through them too.
Kickback: Similar to the others, Kickback is free to join and offers a variety of discounts and cash back on your purchases. Join Kickback and start saving money.
Honey: Slightly different, Honey offers cash back but also scans for discounts and coupon codes. Join Honey for free here.
Swagbucks: Best known as an online survey site, they also have a cash back program with the cash being awarded in points you accrue and cash out. Join free here.
ReceiptJar: This is for after your purchase is final. Upload your receipt and get points. Once you reach 1,000 points you can get a gift card. Join free with the code KYLIT3QH2 and get a bonus 200 points when you upload your first receipt.
Remote Work
If you are up to it, there is plenty of remote work. Some ideas include how to become a freelance writer, how to be a virtual assistant or 19 ways I’ve made money from home and remotely.
Rent Stuff
Can you rent out your garage if you aren’t using it? I’ve done this in Sydney, Canberra and Melbourne for around $50 per week. It required nothing from me after the initial set-up and was done through sites such as Spacer so payments were automated.
Bank Bonuses
A quick Google search will show you which banks are offering bonuses to sign up. I’m talking about bank accounts, not credit cards as applying for credit cards will impact your credit score.

How to be Frugal When Sick
Menu planning, cooking in bulk, shopping around etc are all easier when you have your health. Firstly, check out this article about how to afford medical expenses when you are on a low income or Centrelink.
Go Easy On Yourself
You are sick which makes it much harder and some expenses go up. For us, we are almost an hour from the hospital, so the back and forth has tripled our petrol bill. On top of that, the cost of parking
Compare All Your Expenses
Every year I do a financial review where I compare all my expenses such as insurance, phone plans, electricity etc. Read how I do my annual financial review and what you can do to save money.
How I reduced my expenses by $18,790 last year is also a good read. I am currently with Red Energy for electricity. They offer a $25 bonus when you join too.
Sign up for Birthday and Other Freebies
There are so many out there but you need to be signed up at least a month before your birthday for most of them. I’ve got a huge list of Aussie birthday freebies you can check out.
Also, another list of freebies, in general, can be found here.
Enter Competitions
You never know what you might win. I’ve entered quite a few lately and while I haven’t won much recently, previously I have won an Airfryer and friends have won cars, holidays etc.
Find the best Aussie comps and giveaways here.
Review VIP/Loyalty Programs
Check all the programs you are a member of and see what discounts, cash out or bonuses you have sitting there to use. You might be surprised and have a few which can save you money right now. There is a list of VIP/loyalty programs here.
Get Those Discounts
I’ve already discussed cashback and reward programs. But there are more ways to get discounts and coupons in Australia.
Read this to find out how to get coupons and discounts then check out this to find out how to get a discount on everything.
Get your first box free with HelloFresh.
Get up to $180 off EveryPlate, split across your first 5 boxes with the code THRIFTYEPLATE. YouFoodz is more health-focused and offer up to $140 off with the code THRIFTY140.
Get up to $144 off Dinnerly (49% off your first order, then 30% off the next two.) Marley Spoon offers up to $190 off 4 orders! That’s 53% off your first order, and 20% off your next three.
Use The Time Wisely
If you are stuck in bed or sick, depending on what is wrong there might be ways you can use the time to grow in other ways.
For example, read books, listen to podcasts, connect with friends and family through email etc.
Books I Recommend
If you can’t do much, why not read or listen to books? I prefer to read actual books but when I can’t, the Kindle app is great plus if you search low to high in terms of pricing you can get heaps free. Other people prefer Audible.
Below are a selection of books on different topics which have been amazing for my life. I also have the 52 books I am reading in 2021 here.
Unleash Your Inner Money Babe – Kathrin Zenkina
A 21-day money challenge of sorts combining finance and the law of attraction. With daily tasks you can do anywhere, it’s eye-opening and every time I’ve done it I have made well over the initial $1,000 intended. Unleash Your Inner Money Babe is the perfect book to help you make some money when you can’t really do much.
Lucky Bitch – Denise Duffield-Thomas
I originally read Get Rich, Lucky Bitch but Lucky Bitch is even better. Denise is an Aussie entrepreneur, money coach and hugely successful. Her advice is genuine, real and easy to follow.
Not Just Lucky – Jamila Rizvi
This book made me realise how privileged I am as well as how much women face in general. It’s motivating and eye-opening. Women are incredible, don’t sell yourself short. Not Just Lucky is thick but worth the read.
The Last Lecture – Randy Pausch
My daughters’ favourite book is The Last Lecture, which she has read a few times. Randy died of cancer a while back but he was asked to do a lecture for his university before he did. Including memories, life advice and more for everyone, it’s a moving and inspiring book.
You Can Heal Your Life – Louise Hay
Overcoming paralysis was only possible for me when I applied this book. For 7 months I was living with level 10 pain on and off, paralysis and my life was falling apart. When I finally read and applied You Can Heal Your Life, everything changed.
Traditional medicine had not helped and they had no answers. Within a week of this book, I was healed.
Unf*ck Yourself – Gary John Bishop
Read in a delightful Scottish accent, Unf*ck Yourself is a wake-up call to get more out of life. Easy steps you can take, real advice and a lot of expression in his voice, this is one of the few books I thoroughly enjoyed as an audiobook.
The Big Leap – Gay Hendricks
Recommended to me back in 2015, I didn’t actually read it until 2017 but it was life-changing! I wish I had read it sooner. The Big Leap covers how we self-sabotage through negativity and how that can present in other ways e.g. illness. But there is so much more to it! Ignore the bad cover, it’s a great book.
Take It Easy
The most important thing you can do is focus on recovery. While the above outlines things you can do and tips, it is extremely important you do whatever you need to for your health.
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Mel
Wednesday 28th of October 2020
Don't be afraid to ask friends and family for help with meals, child care, housework etc.
The Thrifty Issue
Wednesday 28th of October 2020
So true! People generally want to help but they don't always know what to do.