A Day In The Life Of An Online Business Owner

Lately, I have had many, many readers ask me to create a “Day In The Life” post about how my average day goes. While my average work day changes all the time, I thought keeping track of what I do each day would be a fun task. I also thought it would be a good…

Michelle Schroeder-Gardner

Last Updated: January 27, 2025

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Lately, I have had many, many readers ask me to create a “Day In The Life” post about how my average day goes. While my average work day changes all the time, I thought keeping track of what I do each day would be a fun task.

I also thought it would be a good idea to create this post because many often have misconceptions about what online business owners, freelancers, bloggers, etc. do each day.

No, I don’t just sit around, drink coffee all day long, and sit on Facebook. However, that’s what many believe actually happens in the average day of an online business owner.

The truth is that I actually get work done! Yup, how surprising is that? 🙂

It was a little hard writing this post. My average day can vary greatly. That’s one of the main things I love about freelancing – I can create my own schedule and it can be as flexible as I want it to be.

Anyway, below is my average work day as an online business owner, freelance writer, and blogger. Now, I’m not perfect and I realize that.

I will occasionally binge watch Netflix shows, waste time on social media, hug my dogs for an extended period of time, and so on. Also, some days I work a LOT, whereas others I don’t do anything.

My average work day is also very scattered and messy looking, so it’s hard to say exactly how many hours I actually work each day.

 

8 a.m. to 8:30 a.m. – Wake up.

I usually wake up around 8 a.m on the weekdays. If I work late the night before then it’s a whole different story, but in general I like to wake up somewhat early and start my day.

I usually stay in bed and work for around 30 minutes to an hour. During this time I usually check and reply to emails, browse around on Instagram and Facebook, pin some images on Pinterest, and so on.

 

9 a.m. – Emails and breakfast.

I usually get out of bed around this time and let our dogs out. They usually sleep until the moment I finally get out of bed and then they know it’s their time to go outside. Then, I’ll feed them and make breakfast at the same time.

We usually either eat oatmeal with bananas for breakfast or we will eat scrambled eggs with peppers and a few slices of toast. While I’m eating I usually reply to emails and comments on my blog at the same time. I’m not the type of person who can just quietly eat, my laptop is almost always in front of me.

 

10 a.m. – A little bit of work.

After breakfast, I put on “real” clothes and fix my face. 🙂 Then, I try to sit down for a solid hour and get work done. I usually wake up with at least 50 emails to reply to each morning, so I’m probably still replying to emails at this point.

If I’m not, I usually hop around my favorite blogs and catch up on recent blog posts from others. This is probably my favorite part of my day as I love reading blog posts and seeing what everyone is up to. Throughout the day combined, I probably spend at least an hour or two networking, reading blog posts, and more.

Also, I usually schedule phone calls for the early morning if I can. This way the rest of my day is open and flexible.

 

11 a.m. – Work out.

Around this time, I usually either go to the rock climbing gym that I’m a member at or I go for a hike. Lately, we’ve been rock climbing more since the temperature has been in the 100s for over 45 days straight, but if we do hike or rock climb outside then we are might be gone for around 4-5 hours.

If we go rock climbing at the gym then we are usually gone for around 2 hours. I love getting a great workout in the morning as it helps clear my mind for the rest of the day. It helps me work better and keeps me refreshed.

 

1 p.m. – Lunch and work.

I usually have lunch around this time. This is also usually when I start getting deeper into work. Around this time I will start any work for clients, outline articles, reply to even more emails (I probably receive over 100 real emails each day that I need to reply to), create images for blog posts, work on projects, schedule social media posts, reply to something in a mastermind group I am in, and so on.

I also try to work on an article for my blog each day, whether that be writing a new one, drafting one, or rereading one. My articles here on Making Sense of Cents are usually around 1,500 to 2,500 words each and usually take many hours and sometimes days to write.

 

4 p.m. – Another meal and more work.

Time for the next meal. We eat four decent sized meals a day with snacks in between. After this meal, I usually get back to work. I might reread a post I wrote earlier to make sure it’s perfect. I usually reread them through a few times but somehow something always slips. I’ve already read this post five times!

Other things I do throughout the day include replying to emails from clients I am consulting, check on the websites that I help manage for others, and more.

 

7 p.m. – Dinner and TV.

It’s dinner time! After dinner, I tend to watch a few TV shows and relax. I sometimes go for a bike ride to the grocery store too around this time if I find that we need anything at the last moment for a meal.

 

9 p.m. – Daily walk.

As the sun is setting, we usually take our dogs for an hour long walk. We like to wait until this time because it is much cooler, which makes for a much more enjoyable time. We always go together and it’s a nice routine that we have.

 

10 p.m. – Winding down for the night.

This is usually when I start winding down. I’ll take a shower, put on my pajamas, and possibly watch the news.

 

11 p.m. – More work.

This is usually when I crawl into bed. I’m not done working though, I usually work for a few more hours from my bed. I love working from my bed and this is the time when I usually get the most work done. Not sure why it works like that, but it does.

Anything above surprise you? What would you do differently if you had a flexible schedule? What questions do you have about my average workday? 

 


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Michelle Schroeder-Gardner

Author: Michelle Schroeder-Gardner

Hey! I’m Michelle Schroeder-Gardner and I am the founder of Making Sense of Cents. I’m passionate about all things personal finance, side hustles, making extra money, and online businesses. I have been featured in major publications such as Forbes, CNBC, Time, and Business Insider. Learn more here.

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  1. Kristin

    I love hearing about other people’s days! I’m a morning and night person and am most productive then. I usually get a case of the sleepy’s mid afternoon 🙂

    1. Michelle Schroeder-Gardner

      Yes, I usually get very sleepy during the middle of the day as well!

  2. Michelle Schroeder-Gardner

    Thanks Nelson!

  3. Will @ Phroogal

    Cool post, Michelle! Do you ever keep track of the amount of hours you work in any given day?

    1. Michelle Schroeder-Gardner

      No, I’ve never kept track of the exact time. It’s hard to say since I’m usually multi-tasking with personal tasks as well.

  4. Kayla @ The Jenny Pincher

    I can’t imagine working in my bed, I just can’t do it and be productive. Crazy how different everyone’s schedules and days are. Thanks for sharing Michelle!

    1. Michelle Schroeder-Gardner

      Haha I am extremely productive when I work in bed!

  5. Wendy

    Thank you for sharing. Sounds like heaven to me! Your blog is inspiring to start my own. So ready to work from home! Thank you!

    1. Michelle Schroeder-Gardner

      Good luck 🙂

  6. Stockbeard

    I enjoyed the emphasis on how all your days are not the same, more than the actual breakdown. Having it sliced and “organized” kind of breaks the dream to me. I really prefer to imagine that you can decide when to work and when not to, which is exactly what you emphasized.
    Thanks!

    1. Michelle Schroeder-Gardner

      Thanks! Every day is different and that’s what I love.

  7. Nina

    Hi Michelle,
    Thanks so much for posting your average day as a full-time-blogger! It was really interesting to get an insight into your reality and comparing it with what I hope my life will look like one day. I started my own blog recently and really hope I can make a living from it in the future! I am working everyday in baby steps on improving it (next to finishing my master studies and working).

    You inspire me every day to keep going!
    All best for you!
    Nina

    1. Michelle Schroeder-Gardner

      Thanks Nina!

  8. Alexandra @ Real Simple Finances

    Do you and Will share the same schedule? I love how your work day is a balance between your business and other activities — I’m just wondering where husband time fits in. 🙂 That’s always my biggest struggle when I start getting very busy.

    1. Michelle Schroeder-Gardner

      Haha yes, we spend pretty much all day together 🙂

  9. Shannon @ Financially Blonde

    I love these types of posts and always have a tough time with writing them because it seems like no two days of mine are the same, which is why I love what I do, but also makes it difficult to describe.

    1. Michelle Schroeder-Gardner

      Yes, it does make it difficult to describe! I guess that’s why I’ve been holding off on writing this for so long.

  10. Jason B

    Your schedule looks pretty perfect to me. I wish we could switch 🙂

    1. Michelle Schroeder-Gardner

      Thanks! 🙂

  11. Grayson @ iMark Interactive

    Nice Michelle! You know I’m a night owl, so 8am is early to me as well. That being said, once you add a kid into the mix, it changes the entire dynamic. While I don’t work for myself yet, I get up, get my son ready for daycare and drop him off. I then head to work, come home, play with my son and hang out for a bit, then work on my business until about midnight or 1am. I’ve found it much harder to handle my workload when my son wants to play. Since he is the reason I do this, I will drop my work and play with him.

    1. Michelle Schroeder-Gardner

      For some reason I always thought you ran your business full-time. Any plans for that? 🙂

      1. Grayson

        Yep, there are plans.I run it like a full time business, so that’s why people think it is.

        1. Michelle Schroeder-Gardner

          Yes, you definitely do!

  12. Melanie @ Dear Debt

    I’m totally a night owl. I finally feel awake at 6pm haha. I work best from 7pm – 2am. I tend to just do emails and social during the day and content at night. I take a long break in the afternoon.

    1. Michelle Schroeder-Gardner

      Haha I know what you mean!

  13. Michelle Schroeder-Gardner

    Wow you definitely have a full day!

  14. Reelika @Financially Wise On Heels

    That’s truly impressive. I am on the other hand totally evening/night person. I just can’t really work when the kids are around and it is a beautiful day. So I tend to work mostly after 9 PM when I have put my kid to sleep. I honestly can work on my blog until 4 PM, I just feel much more motivated during evenings than in the morning 🙂

    1. Michelle Schroeder-Gardner

      I know what you mean. I get most of my work done at night and do other things during the day.

  15. Portia

    One thing that surprised me is the amount of flexibility you have in your day. It’s inspiring! I love that you guys also have 4 meals a day. That’s the way to go!

    1. Michelle Schroeder-Gardner

      Thanks!