If you are working NAIA, you are doing so either for the fun of it, or in an effort to advance to higher levels of collegiate football. It ain't for the money. If you make a profit over a season, you are an exception. Most folks find that they are self-funding their hobby. Always been that way. Probably will always be that way. Been there, done that. Enjoyed the experience, and the camaraderie with the other guys. It paid off for me, in helping me get to FBS. I would not have continued sub-FBS officiating very much longer than I did.
Have fun doing it. But don't expect to fund your Hawaiian vacation with it.