What Can 12-Year-Olds Do to Earn Money? Your Guide to Early Earning

So, your 12-year-old is itching to earn some cash? Excellent! Instilling a strong work ethic and teaching financial responsibility early is a fantastic move. The good news is, even at 12, there are plenty of age-appropriate opportunities for them to earn money and start their journey towards financial independence. While full-time employment is off the table, creative side hustles and neighborhood tasks can provide valuable experience and a sense of accomplishment.

The most common ways for 12-year-olds to earn money involve leveraging their existing skills and interests within their local community. This includes offering yard work services (mowing lawns, raking leaves, weeding), pet care services (dog walking, pet sitting, feeding), babysitting (if they’ve completed a babysitting course), selling crafts or baked goods, and offering basic tech help to older relatives or neighbors. Thinking outside the box and identifying local needs is key to finding unique earning opportunities.

Age-Appropriate Earning Opportunities for 12-Year-Olds

Let’s break down these options in more detail and explore some less conventional ideas:

Outdoor & Physical Activities:

• Lawn Mowing & Yard Work: This is a classic for a reason. Many homeowners are happy to outsource this task, especially during peak growing seasons. Make sure your 12-year-old is supervised and understands safe operation of equipment. Focus on smaller yards to begin with.
• Raking Leaves: Another seasonal staple. Offer leaf-raking services in the fall.
• Shoveling Snow: In colder climates, snow removal can be a lucrative option. Again, prioritize smaller driveways and pathways, and always prioritize safety.
• Gardening: Weeding, planting flowers, and general garden upkeep are tasks many people are happy to delegate.
• Pet Waste Removal: Not the most glamorous job, but some pet owners are happy to pay someone to clean up after their furry friends.

Animal Care:

• Dog Walking: Many dog owners need help with mid-day walks. Ensure your 12-year-old is comfortable handling different breeds and understands basic dog commands.
• Pet Sitting: Offering to care for pets while their owners are away can be a great way to earn money. This might involve feeding, playing with, and cleaning up after the animals. Consider starting with smaller pets like cats or hamsters.
• Feeding & Watering: Even simple tasks like feeding and watering neighbors’ pets while they are on vacation can be valuable services.

Creative & Skill-Based Opportunities:

• Crafting & Selling: If your child is creative, they can sell handmade items like jewelry, artwork, or knitted goods at local craft fairs or online marketplaces (with parental supervision).
• Baking & Selling: Baking cookies, brownies, or other treats can be a delicious way to earn money. Again, local markets or selling to neighbors are good options.
• Tutoring: If your child excels in a particular subject, they can offer tutoring services to younger students. Start within your neighborhood or network.
• Teaching a Skill: Can your child play an instrument, code, or draw? They could offer introductory lessons to others.
• Photography: If they have a good eye and a decent camera (even a smartphone camera), they could offer photography services for local events or pet portraits.
• Voice Acting: If your child has a unique voice and enjoys reading aloud, they can explore voice acting opportunities online, but always under strict parental supervision and on reputable platforms.

Tech-Savvy Options:

• Tech Support: Many older adults struggle with technology. Your 12-year-old could offer basic tech support for computers, smartphones, or tablets.
• Social Media Help: While they are not old enough to manage business accounts, they can assist family members or friends with creating content or scheduling posts on their personal accounts. Again, this requires close parental oversight.

Important Considerations:

• Safety First: Always prioritize your child’s safety. Ensure they are working in safe environments and are not put in situations that make them uncomfortable.
• Parental Supervision: Parental involvement is crucial, especially when dealing with clients or online activities.
• Negotiating Prices: Help your child understand how to price their services fairly and negotiate with clients.
• Time Management: Earning money should not interfere with schoolwork or extracurricular activities.
• Financial Literacy: Use this as an opportunity to teach your child about saving, budgeting, and spending money wisely.
• Legal Restrictions: Be aware of any local laws or regulations regarding child labor.

Frequently Asked Questions (FAQs)

1. Are there any age restrictions on earning money?

The legal age for formal employment varies by state and country. However, most places have restrictions on the types of jobs and the hours that children under 16 can work. The opportunities listed here primarily involve informal arrangements and side hustles, which are generally permissible as long as they are safe and do not interfere with schooling.

2. How much money can a 12-year-old realistically earn?

Earnings vary greatly depending on the services offered, the demand in the area, and the amount of time dedicated. A 12-year-old offering yard work might earn $10-$20 per lawn, while someone selling crafts might make a few dollars per item. Consistency and marketing efforts will impact their earnings.

3. What are the best ways to advertise services?

Start with word-of-mouth. Let friends, family, and neighbors know what services your child offers. Create simple flyers or posters to distribute in the neighborhood (with permission, of course). Consider using social media (with parental supervision) to reach a wider audience. Online neighborhood groups can also be helpful.

4. Should my child have a bank account?

Opening a bank account in your child’s name (often a custodial account) is a great way to teach them about saving and managing money. It also provides a secure place to deposit their earnings.

5. How can I help my child manage their money?

Help them create a budget and track their income and expenses. Encourage them to set savings goals and discuss the difference between needs and wants. Consider using a budgeting app designed for kids.

6. What are the tax implications of a 12-year-old earning money?

Generally, the IRS doesn’t require children to file taxes unless their income exceeds a certain threshold. Consult a tax professional for specific advice related to your situation.

7. What safety precautions should I take?

Always know where your child is working and who they are working for. Encourage them to work in pairs or groups whenever possible. Teach them about personal safety and how to respond to uncomfortable situations. Never allow them to meet clients alone in unfamiliar places. Vet all online opportunities carefully.

8. How do I help my child set fair prices for their services?

Research what similar services are charging in your area. Consider the time and effort involved, as well as the cost of materials. Help your child understand the value of their time and skills.

9. What if my child is not interested in any of these ideas?

Encourage them to explore their interests and identify skills they enjoy using. Brainstorm creative ways to turn those interests into earning opportunities. The key is to find something they are passionate about.

10. What if my child makes a mistake or has a negative experience?

Use it as a learning opportunity. Discuss what went wrong and how to handle similar situations in the future. Emphasize the importance of honesty and integrity.

11. How can I ensure that earning money doesn’t negatively impact my child’s schoolwork?

Set clear boundaries and expectations. Emphasize that schoolwork is the priority. Help them create a schedule that balances earning money with their academic responsibilities.

12. What if I need help figuring out the legal aspects of my child working?

Consult with a labor lawyer or your state’s labor department for specific guidance. They can provide information on child labor laws and regulations in your area. You should also consult a CPA to understand any potential tax implications.

By providing guidance and support, you can help your 12-year-old develop valuable skills, gain financial independence, and learn the importance of hard work. Remember to prioritize their safety and well-being above all else. This is a fantastic opportunity to teach them crucial life lessons that will benefit them for years to come!