What to do if you want to quit your day job and go full-time with your photography business … but you’re nervous your business won’t cover your life expenses

Dear Female Photographer,

Please … please … please … say “no” to excuses.

They sound like this:

“That’s really nice that she was able to do (insert really cool thing here) with her business, but I can’t because of (insert excuse here).”


“I would really love to (insert amazing thing here), but I can’t because of (insert excuse here).”

The biggest problem with excuses, I think, is that they feel so dang legitimate!

This is particularly true when it comes to money.

Maybe you want to quit your day job and go full-time with your photography business … but you’re nervous your business won’t cover your life expenses. That is, in fact, a very legitimate concern!

Or, maybe you’re a full-time photographer and your business IS currently NOT covering your life expenses. Do you throw in the towel? Get three part-time jobs? Find a sugar daddy?

Only you can say, really.

One really, really (oh man, REALLY) great place to start though is with an honest self-examination of your current expenses and spending habits. (Frankly, this is a great place to start whether you’re currently sitting on a pile of cash or not.)

The other day I was listening to a Tim Ferris podcast and I was introduced to Mr. Money Mustache. Have you met him yet? His blog is home to hundreds of articles that I’m currently finding to be incredibly inspirational.

Often times, we don’t need to make more. We just need to spend less. We just need to be SMARTER with our money.

It’s possible to discover incredible financial freedom even while we’re earning little. And this is particularly important during the beginning or growth stages of your business when money may not be flowing in as quickly or regularly as we’d like.

Fight the urge to complain!

It might feel good to make excuses and complain. But only for a moment. The truth is … it’s completely and totally NOT productive and isn’t getting your ANYWHERE.

So, fight the urge to complain. Fight the urge to use money as an excuse for where you currently are with your business. Instead, be more productive with your energy and check out Mr. Money Mustache. With some adjustments to your spending habits, you may not NEED to get a second job while you’re growing your photography business. You just might be able to get by quite well (happily, even!) with what you’re currently earning. And with your positive attitude and continued efforts to build your business, you’ll be earning more in no time.

If his words don’t speak to you, try Suzie Orman. And if that doesn’t work … keep searching until you find someone who can inspire you to go with less so that you can do MORE with your business even during lean times.

What are your thoughts? Is there any advice that has helped you along the way? Share below! I’d love to hear about it!




Kate Callahan is an on-location photographer who LOVES to capture authentic memories for families. She’s available for weddings, senior photos, child photo sessions, and family photography. Kate works with clients throughout the Hudson Valley, NYC,  Delaware (and the tri-state area), and beyond. She also writes motivational books for photographers. Find them at Dear Female Photographer.

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