10 Steps to Survive and Thrive on an Artist’s Salary in North America

Living the artist’s life in North America can be exhilarating—but let’s be honest, it’s also financially unpredictable. Whether you’re a dancer, actor, musician, model, or any other creative, managing your lifestyle with an inconsistent income is a balancing act. Here are ten essential steps to help you not only survive but thrive on an artist’s salary.

1. Budget Like a Boss

Know where every dollar goes. Use budgeting apps or spreadsheets and prioritize needs over wants.

2. Get Comfortable with Side Hustles

From teaching classes to freelance gigs unrelated to your art, supplemental income is your safety net.

3. Share Housing

Cut costs by living with roommates or in artist co-living spaces. It’s cheaper and builds community.

4. Learn to Cook

Save thousands a year by avoiding takeout. Bonus: you control the ingredients and your health.

5. Take Advantage of Union Perks

If you’re part of a union like SAG-AFTRA or ACTRA, use the benefits—insurance, legal aid, and more.

6. Embrace Free and Discounted Resources

Use public libraries, free rehearsal spaces, and artist grants. Don’t pay when you don’t have to.

7. Network With Intention

Build a circle that shares gigs, barter skills, and supports each other emotionally and creatively.

8. Set Financial Goals

Even small goals—like saving $20 a week—can keep you focused and reduce financial anxiety.

9. Live Below Your Means

Just because you booked a gig doesn’t mean it’s time to splurge. Think long-term sustainability.

10. Stay Inspired

Money stress can kill creativity. Carve out regular time to create purely for joy, without pressure.

Surviving as an artist is part hustle, part heart. With smart strategies and a supportive community, you can absolutely make it work.