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New Survey: 65 Percent of Consumers Have a Second Income

American Consumer Credit Counseling survey found that consumers are using a second income to supplement expenses and pay off credit cards, among other things

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(Boston, MA) – August 21, 2019 – Sixty-five percent of consumers have a second income, according to a new survey by national nonprofit American Consumer Credit Counseling. For most of the respondents (70 percent), their second income comes from a part-time job followed by freelance services (16 percent), gig economy, such as driving for Uber, (12 percent), and selling unused or unwanted items (2 percent).

“Having a second income is a great way for consumers to supplement expenses, save for a big purchase or have some extra spending money,” said Steve Trumble, President, and CEO of American Consumer Credit Counseling. “The cost of living is steadily increasing and not all salaries can cover these expenses, which is why more consumers are getting second incomes – even if it’s only a couple hours a month.”

When asked why they have a second income, 43 percent of respondents say it’s to supplement the expenses they can’t afford with their salary from their full-time job. Other respondents say they have a second income to pay off their credit card (22 percent), for extra spending money (14 percent), for a big purchase, such as a car, house or vacation, (6 percent) or to pay off student loans (2 percent).  

On average, 74 percent of respondents with a second income say they make up to $200 per week, while 10 percent make over $500 per week. According to a survey by Bankrate, side hustlers make on average $686 per month and can make over $8,200 a year.

ACCC is a 501(c)3 organization that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:

  • For credit counseling and student loan counseling, call 800-769-3571
  • For bankruptcy counseling, call 866-826-6924
  • For housing counseling, call 866-826-7180
  • Or visit us online at

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management through credit counseling, debt management, bankruptcy counseling, housing counseling, student loan counseling and financial education concerning debt solutions. To help consumers reach their goal of debt relief, ACCC provides a range of free consumer personal finance resources on a variety of topics including budgeting, credit and debt management, student loan assistance, youth and money, homeownership, identity theft, senior living, and retirement. Consumers can use ACCC’s worksheets, videos, calculators, and blog articles to make the best possible decisions regarding their financial future. ACCC holds an A+ rating with the Better Business Bureau and is a member of the National Foundation for Credit Counseling® (NFCC®). For more information or to access free financial education resources, log on to or visit

American Consumer Credit Counseling (ACCC) provides non-profit credit counseling and debt reduction services for consumers with credit problems who want to know how to pay off credit cards and how to get out of debt. Our certified credit counselors have helped thousands of individuals and families nationwide pay off credit card balances and unsecured debt through credit card relief programs and credit card debt solutions. Our debt management plans provide a kind of personal debt consolidation strategy for help getting out of credit card debt, and we offer a wide variety of financial education services to consumers who need help getting out of debt and managing their finances more effectively.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member