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All families in New Mexico will get free childcare in unprecedented policy move

“It’s not an expenditure, it’s an investment."

Photo credit: Canva

As of November, all childcare will be no-cost for families in New Mexico.

In the modern era, one of the biggest financial considerations families have to navigate is the cost of childcare. Many families can't make it on one income, but those who work in lower-wage jobs often find that childcare costs nearly as much as they make, putting them between a pricey rock and an expensive hard place. Single parents are even more stuck, and with the cost of other basic living expenses putting a squeeze on people's pocketbooks, most have no choice but to work full-time.

That's why New Mexico becoming the first U.S. state to provide universal, no-cost childcare to all families across the state, regardless of income, is a big deal. As of Nov. 1, 2025, that financial burden is lifted for all families statewide.

new mexico, policy, childcare, families, kids, daycare New Mexico will cover childcare costs for all families across the state, regardless of income. www.facebook.com

“The blueprint for early childhood education in America is happening right here in New Mexico,” Lujan Grisham said at a news conference at the state Capitol. That blueprint includes eliminating the current income limit (which is 400% of the federal poverty level) to qualify for childcare assistance, increasing the pay for childcare providers to a minimum of $18 an hour, and a plan to build 55 more licensed childcare centers and register 1,000 new in-home daycares. The state estimates an additional 5,000 early childhood professionals are needed to fully achieve a universal system, which means more job opportunities for New Mexico residents as well.

According to the Albuquerque Journal, the Early Childhood Education and Care Department (ECECD) currently spends about $463 million per year (about half of that department's budget) on child care assistance for families. Gov. Michelle Lujan Grisham will reportedly seek an additional $120 million during the 30-day session that begins in January to fully implement the new plan.

“It’s not an expenditure, it’s an investment," said Lt. Gov. Howie Morales. That appears to be how many countries around the world view it as well, since the United States sits as an outlier among developed nations when it comes to money spent subsidizing childcare.

“Child care is essential to family stability, workforce participation, and New Mexico’s future prosperity,” said Lujan Grisham. “By investing in universal child care, we are giving families financial relief, supporting our economy, and ensuring that every child has the opportunity to grow and thrive.”

Pew Research found that a majority of Americans believe providing free child care would encourage more people to have children, which is significant since birth rates in the U.S. have dropped and fertility rates worldwide are in a sharp decline. Economists and other experts have expressed concern over declining populations being unable to replace themselves and the social and economic ramifications of that potentiality. While the number of children someone has is a personal family decision, initiatives like universal childcare make it easier for families to have the number of children they desire.

“Early childhood care and education is a public good,” said ECECD Sec. Elizabeth Groginsky. “By providing universal access and improving pay for our early childhood workforce, we are easing financial pressure on families, strengthening our economy, and helping every child learn in safe, nurturing environments. This is the kind of investment that builds equity today and prosperity for the future.”

new mexico, daycare, babies, toddlers, universal childcare Families in New Mexico won't have to worry about affording childcare. Photo credit: Canva

What many Americans may not know is that the U.S. actually did have universal childcare once before. During World War II, the U.S. government subsidized childcare so mothers could work and contribute to the war effort. An estimated 550,000 to 600,000 children were cared for at daycare facilities at no cost for families, but despite letters and petitions asking to keep the program going, the government ended it in 1946.

Will other states follow in New Mexico's footsteps? We'll see. New Mexico appears to be a good place to start investing more in early childhood and childcare, as the state ranks close to the bottom in child well-being, health, and education. While government can't fix all societal problems, it can strive to ensure that families have the resources they need to stay above water and afford the basic necessities.

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UPS driver has a blunt take on America's economy after delivering Christmas packages

The delivery drivers know the economy as well as just about anyone.

via Elvert Barnes/Flickr

A UPS driver on a phone call.

Certain professions have an inside look at the economy because they’re on the ground floor and see things change firsthand. For example, the advertising business knows that a recession is coming six months ahead of time, and realtors often get a good idea of how the economy is changing before the shock hits everyone else.

Delivery drivers are another group of people who can get a good idea of how the average person is doing. They have more packages to deliver when the economy is doing well and fewer when things take a turn for the worse. That’s why a TikTok by UPS driver Donate McCauley (@dontaymccauley) has so many views. After delivering Christmas packages, he thinks things are going well for most people at the end of 2024.

“I thought everybody was broke. I thought we were trending towards a recession, and y’all been complaining all year about finances, and y'all say that until Christmas,” the UPS driver said in a video with over 100,000 views.

@dontaymccauley

credit card debt going crazy. #ups #peakseason #Texas #foryoupage

“I see y'all actually do got money. And y'all making us pay, for every house got, like, 3, 4 packages. I'm loaded up,” McCauley continued. “Every day I'm going out with 400 packages on this truck, and y'all killing us, man, give us a break. But I thought you ain't have no money, though?”

Was the U.S. economy good or bad in 2024?

The post received many comments; some said they are having difficulty getting by this year, while others say they are doing pretty well these days. It’s another example of the lukewarm way that people have viewed the U.S. economy since the COVID-19 pandemic subsided.

“Broke as in it costing me a whole helluva lot more to live than it should. I will always have money for Christmas one way or another,” Lisa Marie wrote. “We’re using After Pay. I did LOL,” Juanita added.

“I have been saying this ALL YEAR. Every restaurant, every tourist attraction, special event, and retail store is PACKED most of the time in my small ‘poor’ city,” SteelersGirl wrote. “I said this to my husband a few weeks ago. Everywhere I go, people are buying stuff. Car dealership was packed last week, too. The economy seems ok,” Wiat What wrote.

Another delivery driver chimed in, and she shared McCauley's sentiment. “USPS here. I have been saying this for the last year,” ChicagoGirl wrote.

ups truck, ups, package delivery, brown truck, ups truck parked, delivery truck A parked UPS truck.via Mike Mozart/Flickr

Did Americans spend more in 2024 on Christmas?

The confused delivery driver who says that people are saying one thing but spending in another tracks a pre-election poll. A survey taken in September 2024 found that 62% of respondents said the economy was weak, while 38% said it was strong.

Regardless of how individuals feel about the economy, the numbers don’t lie. 2024 was a strong holiday season for retailers. Visa says that spending is up this holiday season 4.8% over 2023. "This holiday shopping season, we’re seeing increasing consumer confidence as people sought out in-store experiences – and went online – to purchase gifts and celebrate the holidays with friends and family,” Wayne Best, chief economist at Visa, said in a statement. “This spending growth demonstrates the adaptability of both consumers and retailers and the overall strength of the economy.”


What will Christmas spending be like in 2025?

This year's Christmas season is expected to be less robust than last year's. Inflation, tighter credit lines, and tariff pressures mean that, according to Zeta, there will be a 27% drop in American shoppers looking to spend $1,000 or more during the holiday season. There has also been a 2% increase in those who say that they will spend less than $100 (34% up from 32%). The bottom line is that consumers will be more deliberate about their spending this holiday season, and more people will be seeking discounts.

This article originally appeared last year and was updated.

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Real people share 15 practical things they did to escape living paycheck to paycheck

"Be willing to accept that you might not be entitled to the lifestyle you have."

Image via Canva

People reveal their financial strategies for no longer living paycheck to paycheck.

Living paycheck to paycheck is becoming the norm in the United States. According to the United States Interagency Council on Homelessness, more than half of Americans live paycheck to paycheck. It is a financial reality that has many looking for financial solutions and frugal living habits to get ahead.

On Reddit, member @_DontStayTheSame_ posed the question: "How in the hell do you escape living paycheck to paycheck?"

People who have figured out how to successfully avoid living paycheck to paycheck chimed in. These are 15 of the best financial tips and advice they offered.

save money, saving money, paycheck to paycheck, frugal living, finances Money Invest GIF by Sara Dietschy Giphy

"Take everything I have done pre 35 and do the exact opposite. Only use your credit cards for things you will be able to pay off quickly. If you are buying a car and thinking "That is close but I can do it" for the payment, find a cheaper car. Do what you can to live below your means. If you are a smoker, quit." —User Unknown

"Living below your means is key." —@Orual309

"Better advice would be to find ways to improve your income but live below your means while you do so you can save up enough to improve your situation long term. Too many people raise their lifestyle with their income without ever taking the time to set themselves up for long term financial stability. That’s how you get people making six figures but somehow still living payday to payday. Obviously if you only make enough to survive until your next pay there’s nothing you can do financially to fix that, it has to be some other kind of change enabling you to make more money like going to school or just applying for better jobs." —@Sparcrypt

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"I might get some hate for this but... Live with your parents or only rent a room. Yes rent is expensive as hell and it sucks but sometimes you gotta suck it up and just get roommates. Easier to live with roommates than paycheck to paycheck in my opinion." —User Unknown

"Be willing to go back on lifestyle to fix your financial picture. Be willing to accept that you might not be entitled to the lifestyle you have. People think overspending means fancy cars, vacations, and expensive properties, but it doesn’t. It can mean buying a boring commuter car and a house. The baby steps are the first thing:

  • $1000 emergency savings, and a budget. Look back through your transactions for months to see what you actually spend, don’t just guess at your categories.
  • all consumer debt paid off. You should never be carrying a credit card balance. That’s a financial emergency, so if you are, save only $1000 for an emergency fund and put all else toward that debt.
  • 3-6 months of expenses saved in a savings account or no-risk investment with immediate liquidity (this is $15,000 for me, for 3 months, for example.)
  • minimum retirement targets met, most importantly taking any employer matching
  • invest for other goals like property, children, etc., depending on your needs

Once you’re there, you can use whatever is left over after those savings strategies and your expenses as a discretionary fund. A lot of folks spend discretionary before they have the baby steps accomplished, and it keeps them in debt and living pay check to paycheck, or waiting for that next big cash infusion from something like refinancing their house. The key is discipline. It’s tough, it really is. Seeing the 5 figure deposits to my bank account and knowing that it’s already spoken for can be tough because it’s tempting to want to spend it on a nice car (I’m a car enthusiast) or some other hobby thing, but I know I can’t do that." —User Unknown

car, financial advice, affordable car, car payment, cars dance dancing GIF by Real Canadian Superstore Giphy

"We are literally about to pay off two cars. Both payments total about $900 a month all together. I didn’t want two car payments at one time, but we both needed a more reliable car at the time. That’s not horrible for two car payments, but it’s going to free up $900 a month for us…. Which is amazing considering my wife is now stay-at-home with a baby. We have started cooking at home, avoid eating out at all costs, only drink home-brew coffee, use grocery points for cheaper gas. I’ve started taking my trash and recyclables to the dump myself, we have cut Live-TV and every streaming and subscription platform we don’t use at least once a day. We don’t, nor have we ever, lived paycheck to paycheck. It’s just nice to save money. The only thing we are splurging on now is a cleaning lady once every two weeks for $140." —@MockASonOfaShepherd

"For the TV and streaming, I do one service a month and my cell phone comes with Netflix as a perk. Each month I subscribe to one service for only one month, and watch everything I want on that service. When that ends I let it expire and don't renew. I switch to another one for the month and watch everything there. I get a new collection each month to binge and it doesn't cost me any extra unnecessary money." —User Unknown

"Also, learn to use Excel. Being able to visually see where your money goes, all at once, can make your spending make a lot more sense." —@valvilis

excel, excel spreadsheet, spreadsheet, budget, budgeting Heart Love GIF by Microsoft Cloud Giphy

"Just buy more money, it's not rocket calculus." —@faceeatingleopard

"This. Also don’t order out much. 1 fast food meal everyday of the week (depending on where you go) could have you spending an extra $100 a week that could’ve been spent at the grocery store instead. Learning to cook is cheaper than fast food easily." —User Unknown

"Meet people, work hard, get lucky. Marry someone who is financially reliable and life is half as expensive. Switch jobs every 3 years because your raises probably won't keep up with the market. Be mindful of your finances. Avoid credit card debt if you can." —@cavemanfitz

"Look into a career whose skill sets will always be in high demand. I pursued my Airframe & Powerplant Certificate. Now I can save and invest. It even made my income-earning ability Covid-proof. Yes, I got laid off a week and a half after starting a new job at a major airline. But 6 weeks later (thanks to my A&P), I got an even better-paying job as a Maintenance Technician at a 3M plant. I bought my first house in 2020. In 2022, I reapplied at that major airline and got hired as a contractor. I took a temporary, and minor, pay cut. Then I got hired direct 6 months later. I’m making a very good living and I’m able to travel the world. For the folks that say 'not everyone can do that'… I started this journey in 2016, making $12/hr at McDonald’s, and renting a room. So I’ve walked in the same shoes as many of the folks that say it’s impossible. No, I don’t have any kids. But I did graduate A&P school with a guy in his early 40’s with 3 kids. From day 1 of enrolling in A&P school up to this very day… I had to keep a strict budget." —User Unknown

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"I made a budget and update it every 3 months to see what it costs to run our family. My goal is to 'pay myself' each paycheck, which is considered savings. The budget generates two numbers. One for expenses plus luxuries, i.e. eating out, alcohol, hobbies, gym etc the other is my expenses without the luxuries in case I ever had to leave my job etc. By putting aside an amount each pay I've aimed and achieved saving 6 months worth of expenses without luxuries. Since doing that, I've then started to make additional payments to my superannuation account/ retirement fund that I can't touch until I retire. Since making the budget it's been an eye opener on where our money goes and how much we can save by cutting out stuff that isn't really worth it. It has also allowed my not so financially minded wife understand our position and gets her buy-in when we set targets for emergency savings or goals for buying stuff for the house or amounts for holidays. It's not full proof and we still have times where most of the pay goes out to expenses that can't be avoided like bills and rates that might all come in at once but its definitely made us feel more in control and enthusiastic about saving." —@CallSignVip3r

"You can't "save" your way out of poverty. Budgeting won't solve the problem. Those are just platitudes told to placate the masses. They empirically do not work, but the freak exceptions make good 'feel good' stories. Networking or advancement are the only ways out. Networking works best, advancement takes too long, and is far more probability-reliant. Beg everyone you've ever known for job opportunities. Be shameless." —@EmbarrassedVolume

"Rich parents, good health." —@Legitimate_Field_157

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24 brilliantly attainable ideas for side jobs that can make you an extra $2,000 a month

It’s a huge factor in creating real financial freedom.

Photo credit: Canva

Nearly all of us could use some extra cash.

So many of us, even those with full-time jobs, are looking for ways to make a little extra money. It’s vital not only for these challenging economic times, but it’s also a huge factor in creating real financial freedom. This is certainly something most millionaires have figured out.

But it can be hard to figure out what that side hustle could be. It's even harder still to know whether or not the effort we put in will pay off in dividends. Many of us have a distorted concept of “passive income,” thinking that the side hustle we choose will require zero effort at some point. Unfortunately, other than investing, that’s not entirely true.

However, there are definitely ways to drum up side hustles that make sense with your lifestyle, that draw on your own interests, skills, and values, and truly add to your life, whether they be through acts of service, reselling items online, or creating new items (be they artistic or practical).

You can see this reflected in the answers given when someone on Reddit recently asked, “What’s something you do on the side that makes real extra money?” This OP added that they were hoping to raise an extra $2000 a month, and people were quick to be candid about how doable that really is. As someone pointed out, "$2K/mo is really more like a second job than a side gig" in terms of how much time and effort is needed.

Still, there are some pretty unique and time efficient ideas below, like private baseball coaching and being an elderly companion, that could get someone close to $500 a week.


Here are some of our favorite responses:


1. "I sell rare house plants on the side. "

"If I want some money for a spa or date night, I’ll just chop and propagate some plants for an easy $300-$500…Rare alocasias, monsteras, and anthuriums. There are a ton of people who collect, trade, etc. It’s my hobby, which has made it so easy to turn into a side hustle. Best part is it’s all cash."

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigs A woman selling plants.Photo credit: Canva

2. "Election work."

"Literally in 14 days this year, I'll gross $6,900. Long days, easy peasy work."

3. "I host bar trivia."

"It's usually three hours a night, and it makes me about $150 a night (plus tips). I'm actually trying to make this my full-time job; I enjoy it so much. It's not hard to buy trivia games or hook up with an existing company. I am independent and write my own games that I try to sell on the side."

4. "I have a kettle corn pop-up."

"I do fairs, festivals, pumpkin patches, and can turn $300 of product and space rent into $6k+ sales in a day. Some states require [a food or vendor license] but in my popcorn is exempt from licensing because of its very low risk for foodborne illness."

5. "Landscaping."

"Cash under the table, you dictate how many jobs you want to take on, and you can focus on one specific neighborhood to limit gas mileage. A mower, trimmer, blower, and small trailer will all pay themselves off in three weeks. It’ll beat you up a little, but it’s rewarding work. It’s also extremely straightforward. As long as you do what you’re supposed to do, the customer will be happy. Don't target people with complex yards. Drive through the neighborhood and find someone who's obviously over a month behind on mowing their lawn. Knock and offer to do it for $40. Tell them you'll come back every two weeks if that works for them. Get to a point where you've got 10 or so yards on rotation and you can knock them out in a day. $400 for a day's work every two weeks, under the table. Do more or less depending on how much or little you want to make."

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigs A man trimming bushesPhoto credit: Canva

6. "I used to flip furniture on Craigslist and Facebook Marketplace.

"I did have to invest in a small trailer and a good cleaner. But I would get free or cheap furniture. Clean it and spruce it up. Sell it for a couple hundred bucks. Mostly couches."

7. "I make cosplay props for people."

I use my personal social media, and I have a commissions page on Ko-Fi. People will see what I usually make and ask me if I am able to make a certain prop. I will then make an agreement with the customer before starting the work."

8. "I put up and take down Christmas lights on weekends and evenings from October to January."

"$24k a season is very doable, but you gotta be able to haul and carry ladders, confidently and safely climb up and down ladders, and be OK with working in the wind and rain in the coldest part of the year. It isn’t glamorous, but it can be a nice chunk of extra money."

9. “If you're even a little handy, you can make good money as a handyman in elderly neighborhoods."

"My dad started out just helping neighbors with hanging curtains, painting bathrooms, etc... after about a year he was busy enough to quit his full time job and just work for himself. You don't need a lot of tools or an expensive truck, but if you can operate a drill, swing a brush, and are good with old people - there's good paying work out there for you.”

10. "I work as an ad model."

"All kinds of ads. Internet, TV, print. Work is sporadic and irregular, which means you'd better have solid income from a main source. But a little $500-$800 check from time to time sure comes in handy. "Generally, one can set up an account for a small annual fee on places like castingnetworks.com or actorsaccess.com. Specifically, it would be better if you would connect with a local talent/modeling agency. They will also ask you to sign up for a talent website, and you’re going to need professional photos. Spend money on THAT, for sure. Good photos are critical!"

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigs Two models posing.Photo credit: Canva

11. "I did Rover for three years, boarding dogs in my home."

"I made $11k a year consistently. Month to month could vary widely, $0-$2k, but I always finished the year the same. But you really should have some experience and be an actual responsible person, because dogs are living beings and deserve proper care. You also need to account for things like Rover fees (20%), taxes, insurance, supplies, and licensing laws. You will end up working all holidays because that's the busiest season for dog sitting, and you'll need to commit your schedule months in advance."

12. “Over ten years ago I started my own hummus business."

"Took a bit to get started but once I was accepted to different farmer’s markets, I made pretty good dough. But omg setting up a tent and tables at 5:30am on weekends was not fun after a couple of years. It was called Bean There, Done That and I had tons of creative flavors (and punny names).”

13. "I started a YouTube channel a few years ago, and now it’s actually pulling in between $1,500 and $3,000 a month!"

"It’s nuts!!! It was just a hobby. I talk about tech stuff. I review computers, network-attached storage systems, and occasionally a tech company I follow pretty closely. My channel name is the same as my Reddit name. It did take several years before money started flowing, but now it's a pretty great side hustle because it's something I would do for free anyway."

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigs A Youtuber creating contentPhoto credit: Canva

14. "I participate in focus groups and research studies."

They're a pretty cool way to spend a couple of hours, and they usually pay $150-$250 a pop. I do this with several research companies in my area because most of them only let you participate once every few months. So, if you keep filling out questionnaires and screeners with various research companies, you can rotate through them and get picked more often. Using this method, I participate in one or two studies per month. I've actually been grinding hard on applying for research studies for the last few months to pay off my credit card debt. Been making some pretty good progress!"

15. "Deliver pizza for a local place under the table."

"You can do pretty good Friday night through Sunday."

16. "My very first month of donating plasma, I made $900."

"Paid for my three-and-a-half week road trip last summer to Canada. I only do it once a week now because the center closest to me changed their hours, so I get $40 a week instead of my usual $100, but that’s still an extra $160 a month I put back into savings that doesn’t have to come out of my normal paychecks, it’s just extra. So that’s nice. I do miss the $400 months, though."

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigs A handy man coming in for repairsPhoto credit: Canva

17. "None of these enterprises have made me two thousand a month individually, but all of them combined have equaled that over many months of production."

"Edible mushrooms. Microgreens. Composting worms. Compost. Vegetable plant starts. Cloned fruit trees. I've been doing these for years, and I sell directly to consumers, no restaurants or middlemen."

18. "I make about $120/hr coaching baseball lessons."

"I’ll spend a weekend with 10 lessons coaching middle school to college athletes. I also charge $75/month to program throwing/pitching training. This can be 10-30 pitchers a session, ranging from high school to professional. It’s about 5-15 extra hours a week."

19. "I used to sell my artwork online, it was a good $15,000 to $20,000 a year."

20. "I work freelance in the arts."

"I’ve done a decent job advertising my own business and have developed a side hustle doing social media marketing for other small businesses. Writing posts, finding imagery, and scheduling the posts in advance. The amount of actual work varies from month to month, but the retainer fee does not, and it’s made my life much easier and more predictable."

21. "I started a cleaning business."

"It was very easy, and I did it on Saturday afternoons. I just posted my contact info, services, and prices to local online communities. I worked for a young, wealthy couple cleaning a condo two to three times a month. I got around $600 extra per month for just a general cleaning. I also now include move-out cleans, which can get me $400-$600 per job. It's not huge cash, but it helped me kick a car note down from $24k to $16k. And that was with one client."

side hustles, side gigs, side hustle ideas, side gig ideas, high paying side gigs, best side gigs A cleaning teamPhoto credit: Canva

22. "During the winter, I sell 3D-printed ornaments and make between $100 and $300 a week for the first two to three weeks of December."

"I specifically target the last-minute crowd and get most of my work through word of mouth. Production cost per ornament is $1.04. It takes me under an hour to make/edit the model, and then it takes 5-8 hours to print, but that can be done while I'm sleeping. I charge between $15 and $25 for an ornament. Last year, I also started selling name ornaments for $5 a pop, but they take under two hours to edit and print, so they're easy to make in large batches. These customers also tend to message me throughout the year, so I make around $600 during the Christmas season and $20-$100 other months. So kinda $20 here and there with a big yearly payout."

23. "Real estate Photography."

"It's usually $150 per house, $300 if it's a large property, and I need to use a drone. It takes about an hour to shoot and less than an hour to edit. I usually do two to three houses throughout the week. I'll stop on my way home from work, then on Saturday, I can group appointments by location. My busiest Saturday was seven houses. It's really easy. You just need a camera capable of HDR and a lens with a wide angle. I use a Nikon 16-24mm and a tripod."

24. “I do side work car repairs."

"And by repairs I mean mostly just brakes. To get 4 brakes and rotors done at a shop today is typically around $1000 or more, because they up-charge parts and labor. I am able to do it for people for around $600. I charge $300-400 in labor (for 2 hours of work), and the parts just cost what they cost. So I save people a few hundred dollars and I make a few hundred myself. Sometimes I do one of these a month. Sometimes I do a few of them. I would like to get one a week, cause then I could legit get an extra $300 a week.”

This article originally appeared in June

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