Most of us work the typical 9-to-5, waking up at sunrise and going to sleep as dusk sets in.

It makes sense due to our natural body rhythms and the way the majority of the working world tends to run. But there are plenty of jobs and careers where a night shift is necessary and available. Think nurses, security guards, convenience store employees, and bartenders, to name a few.

Often known as the "graveyard shift," working during these wee hours of the night isn't for everyone... the nickname doesn't help. Then again, are those night owls who thrive on being active and productive past midnight, but most people prefer to be fast asleep as the moon and stars make their nightly appearance. But if you're a morning person with a new lease on life, you may want to consider switching gears and applying for a night shift job. Working while most of the world's in a slumber has its perks, and these three may awaken your inner vampire longing to take a bite out of the nightlife!

Make More Money

A major reason most of us work is to make a living. And working the night shift can help you fatten your wallet faster than a daytime gig. As per Rethink Staffing, "Night shift differential is around 10% of the employee's regular wage per hour. If you're working as support staff at night for $10 per hour, then you'll be earning a dollar more than your co-workers in the daytime." This can add up fast, making those late shifts quite profitable.

The Outsourced Accountant notes some promising ways this dough can pay off. "Vacation trips, signing up for classes, taking on a new hobby, business, savings, and retirement," all cost money, and with the night differential, these things will come your way before your daytime counterparts reap the rewards.

Avoid Traffic

There are few things as aggravating than sitting in bumper-to-bumper traffic on the way to and on the way home from work. Getting in late always causes issues and wasting time on the highway when it could be spent with family is a drag. Opting for the nightshift will get you to and from work in a jiffy – road rage- and stress-free.

As per The Outsourced Accountant, "There's significantly less traffic at night. Since most people are headed home, you're more likely to have a more breezy (and faster) commute to work because you're going the opposite way. And because you're not chasing cabs or buses or jostling your way inside trains, you won't be disheveled when you come to the office. You'll look and feel a lot fresher." Fast and fresh, sounds appealing.

Career Addict adds, "If you drive, you also save on (gas) as your driving will be more economical." So not only will you make more money, as noted in perk #1, but the low volume of traffic can save you more of it.

Fewer Interruptions

In general, there are fewer people around working the nightshift. That's why there is a high demand for people willing to take the job. And with fewer people comes fewer interruptions. This will give you more time to think clearly and get your work done productively.

According to The Outsourced Accountant, "You can get tasks finished quickly and have more time to do some advanced work or simply relax." Just think about all the time that's wasted due to gossip and office chit-chat, questions from colleagues, emails, and phone calls.

Career Addict notes another perk, "Most companies hold their meetings during the day. Working the night shift saves you time you would otherwise spend attending meetings, allowing you to pay more attention to your work."

What do you think? Can you go from early bird to night owl? These perks are tempting, so consider going to the dark side… in a good way. You may find that the night shift is just the career shift you've been looking for!

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What do you do when financial hardship hits and you can't make your monthly mortgage payments? This is a question on many homeowner's minds as nearly 17.8 million Americans are reportedly unemployed during the coronavirus pandemic.

When homeowners face financial hardship, such as the loss of a job, they often look to obtain a forbearance agreement from their lender. A forbearance happens when your lender grants you a temporary pause or reduction in monthly payments on your mortgage. Forbearance is not the same as payment forgiveness, in that you still have to pay the entire amount back by an agreed-upon time.

Mortgage lending institutions differ on their mortgage relief policies and qualifications; however, the Coronavirus Aid, Relief, and Economic Security (CARES) Act were signed into law in late March of this year to protect government-backed mortgages.

Federally backed mortgages include:

  • Fannie Mae
  • Freddie Mac
  • The Federal Housing Administration (FHA)
  • The US Department of Veteran Affairs (VA)
  • The US Department of Agriculture (USDA)

Under the CARES Act, homeowners with a federally backed loan who either directly or indirectly suffer financial hardship due to coronavirus automatically qualify for mortgage forbearance.

Even if your mortgage is not secured by one of these agencies, you still can call and see if you qualify, as many lenders will still offer the option in order to avoid foreclosures.

Under the CARES act, homeowners can claim mortgage forbearance due to financial hardship from COVID-19 for up to 12 months without requiring any documentation or verification. During the forbearance period, mortgage lenders cannot charge late fees or penalties.

Additionally, as long as your mortgage is current at the time you claim forbearance, the lender is required to keep reporting your mortgage as paid current throughout the entire period.

At the end of the forbearance, the CARES act protects consumers from having to make a lump sum payment. Instead, you will be given a repayment plan from your provider. Since repayment options vary, it's important you ask your provider about all of your repayment options.

Possible Repayment Options:

You may be eligible for a loan modification at the end of your forbearance. With modification, the mortgage terms are changed in order to add payments that were missed during the forbearance onto the end of the loan, extending the term.

Another option that may work for some is a reduced payment option. This allows you to keep paying monthly payments at a reduced amount. The amount missed is usually added back into the monthly payments at the end of the forbearance.

For example:

Regular payment: $1000 per month

Reduced payment: $500 per month

Payment after forbearance period: $1500 (until caught up)

Balloon payments, or lump sum payments at the end of the forbearance, are prohibited under the CARES Act. However, mortgage lenders may require homeowners who are not protected under the CARES Act to make a balloon payment at the end, so again it is best to check first with your provider.

Mortgage forbearance should only be considered in true financial hardship. In other words, just because of the pandemic, you should not take a forbearance on your mortgage if you can still afford your payments. Likewise, if you are able to start making payments before the forbearance period is up, it's best to do so as soon as possible.

The Next Steps:

Before you get in touch with your mortgage servicer, save time by gathering as much documentation about the mortgage as you can. Also, be ready to list your income and monthly expenses. Due to an influx in calls, financial institutions are experiencing extremely long wait times right now, and having your information at the ready will help.

Have questions ready to ask. Here are some questions you should be asking:

  • What fees are associated with the forbearance?
  • What are all the repayment options available to you at the end of the forbearance?
  • Will you be charged interest during the forbearance period?

If your forbearance is approved, make sure to keep all documentation pertaining to it. Make sure to cancel any automatic payments to the mortgage during the forbearance period, and keep tabs on your credit report to make sure your lender doesn't report the loan as unpaid.


For more information on forbearance, contact your lender and discuss your options. If you need more assistance with understanding your options, you can contact a local agent for the housing counseling agency, or call their hotline at 1-800-569-4287.