Finding a high-paying job is a catch-22: You can't make more money without upgrading your skills, but in many cases getting another degree (or even just one to start) just isn't affordable for everyone. And while we always advocate higher education, sometimes you need to forge ahead with life smarts, savvy skills and hard work and carve out a career of your own. With that in mind, here are some high-paying jobs that don't necessarily require a university degree - and what you need to do to get one.

Editor's note: Unless otherwise noted, all salary figures are derived from PayScale.com and are average, Canada-wide estimates.

1) Real estate agent or broker
If you have a background in the real estate industry, becoming a broker might be a way to boost your bottom line. Real estate brokers run the offices out of which real estate agents work, and are experts in the rules that govern the real estate industry in their province. Becoming a broker may differ from province to province, but in general, a licensed real estate agent can become a broker by completing provincial broker education and passing a qualifying exam. Income here averages about $126,000 per year, though varies widely. [More: Self-employment: Get excited about home/work!]

Income potential for an agent can also be high, depending on reputation, years in the business and geographic area. As with most sales jobs, it takes putting in the time and hard work, being great with people, and offering the kind of customer service that incites positive word of mouth and glowing referrals.

2) Police officer
Although wearing "the badge" doesn't necessarily require a degree, applicants for this tough job must jump through a series of hoops to prove their smarts — and their mettle. You'll have to be fit and fiercely competitive because physical fitness and agility are a key part of the program. While this has typically been seen as a man's career, women shouldn't be discouraged. More than 20 percent of the police force in Canada is already female, with many recruiters seeking to balance out the ranks. Total pay in this job, including salary, wages and overtime, can be more than $150,000 per year. [More: Success & Savoir Faire: 5 women who made their millions after age 40]

3) Small business owner
Running a business you are passionate about can be a reward in and of itself, but the best part is that if you succeed, you get to keep way more of the spoils. This career isn't without risk — Industry Canada estimates that 30 percent of new businesses fail within their first five years — but if you get it right, the results can be golden. PayScale.com puts the average pay for this job at between $24,000 and $120,000, but there's really no limit as to how far a great business concept — and well-executed business plan - can take you.

4) Accountant/bookkeeper
Working as an accountant typically requires a college degree, but according to Evelyn Jacks of the Knowledge Bureau, a company that provides education and certification in the financial services sector, accounting is a growing field with a wide variety of opportunities for those with some experience and aptitude. Certificate courses and related exams in accounting and bookkeeping can often be pursued from home, opening up the door to jobs such as accounting clerk, accounting assistant or bookkeeper. The pay for these jobs is above average, but when it comes to hitting the six-figure mark, this is a promising track for aspiring entrepreneurs; strike out on your own and the earning potential is up to you. [More: 10 most valuable start-ups founded by women]

5) Medical sonographer
According to the Canadian Association of Registered Diagnostic Ultrasound Professionals, sonographers are in short supply in Canada. These diagnostic medical pros use ultrasound technology to deliver key information used to diagnose and treat a number of conditions (not to mention determine whether your next bundle of joy will likely be sporting a lovely shade of pink or blue). In most provinces, sonographers need a three-year diploma. Those who work in the field can expect to earn between $48,000 and $100,000 per year.

6) Emergency medical technician (EMT)
If you turn on the tube before dozing off, you probably have some idea of what an emergency medical technician does. These super-hero health-care professionals respond to emergency calls and treat and stabilize patients in the field before whisking them to the emergency room. This is an intense, fast-paced job that often involves long hours, but for those who thrive on making an impact, this may be the golden ticket. Becoming an EMT typically requires a two-year diploma, and the pay here tops out at $96,000, falling just short of six figures. But then, you can't put a price on saving someone's life. [More: Change your life, change your career: 5 steps to financing the career of your dreams]

The journey
These fields have the potential to earn the big bucks, but getting top dollar isn't easy. Only the best rise to the top, and it often takes years of hard work to get there. If you aspire to earning six figures, you'll know when you've arrived. But in the end, it won't be because of what you earn - but the journey you took along the way.

www.GoldenGirlFinance.ca is a free personal finance and education site for women.

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