35 Real Ways to Actually Make Money Online, earn real money.

Earn real money


Now for what you’ve all been waiting for, once you’re ready to actually start making money, here are 10 websites you can start with: before you decide to start reaching out to all of these freelance writing companies, you need to have a web presence.

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35 Real Ways to Actually Make Money Online, earn real money.


35 Real Ways to Actually Make Money Online, earn real money.


35 Real Ways to Actually Make Money Online, earn real money.

You need a blog (in my humble blogger opinion, of course).


35 real ways to actually make money online


35 Real Ways to Actually Make Money Online


How many articles are there about making money online? Thousands? Millions? Enough? Probably. But there’s a problem. Too many of them are just sales pitches to convince you to sign up for some seminar, webinar, training session or some other way to become an online millionaire.


They really give online money making a bad name. But it is possible to make money online. I mean, the people selling all of those millionaire pitches are making money, right?


Video summary


There are legitimate ways to make money online. The problem is that the real ways to make money aren’t “get rich quick” schemes.


Most of them require a lot of work and sometimes a lot of dedication before seeing a return on your time. But if you really want to make money online, work from home or turn an idea into a business, you can do it. You can even earn money with apps if you don’t want to venture all the way to the computer.


I’m going to tell you about all kinds of legitimate ways to make money online. Since we are talking about legitimate jobs, you’ve got to be…well, legitimate. And no, you don’t have to give everything up to have a fresh start. (here’s the proof.)


Many of these options are real jobs that require you to put in hours if you want to get paid. They also require real work. Here are some tips for actually getting the job:



  • Take it seriously. Yes, you’re applying for an online job. Yes, you can do the work in your underwear, but that doesn’t mean it’s not a “real job”. You must treat it as such or they aren’t going to treat you as a serious candidate. You aren’t the only one who wants to work in their underwear. In fact, the competition online is likely higher than it is in your local area.

  • Be professional. When you submit a résumé, don’t type it in ALL CAPS and please don’t avoid the caps lock like the plague. Know how to use it without looking incompetent. Write in complete sentences with proper grammar. Of course, there will be exceptions, but even with the exceptions, you must keep it professional. You’re building their view of you.

  • Give some, but not all. Whether you’re providing writing samples, a photography portfolio or links to your work, give them enough examples to get the idea, but not so many that they don’t even know where to start. And while we’re on the topic, give them some of your background information, but don’t tell them your life story.

  • Double check yourself, before you double wreck yourself. Make sure everything you send to a company, whether a résumé, an email or a portfolio, is good to go. Double check your grammar and wording, and for god’s sake use spell check! This is especially important when it comes to the company’s name. Don’t spell their name wrong and be sure to type it how they type it (e.G. Problogger, not pro blogger).



Below are 35 ways to make money online orgainzed into categories (with unique tips to make each way work):


Table of contents


Websites that pay


Let’s go ahead and get this out of the way. There are all kinds of websites that will pay you for various things, such as shopping, taking surveys or testing products. No, I’m not getting paid to promote any of these and no, these websites won’t make you a millionaire, but they are great for earning some extra cash. I’ll leave out the scams.


Here are some legitimate websites that pay:


1. Swagbucks – swagbucks is great for earning some extra cash. You can do a variety of things to make money, from taking surveys to using their search engine. You won’t get rich, but you will earn a few bucks. If you have the time to kill, you can spend it earning some extra cash, instead of surfing the web.


2. Inboxdollars – inboxdollars is similar to swagbucks, since you’re going to be taking surveys, shopping, etc., so if you want to maximize your return, sign up with both websites. They also offer a search engine that pays you (like swagbucks) and you get $5 just for signing up. I won’t continue to list survey sites one after another down the list, but if you want to get paid to take surveys, also check out globaltestmarket, E-poll surveys and survey club.


35 Real Ways to Actually Make Money Online, earn real money.


– project payday is one of those sites that has testimonials of people who have earned thousands of dollars by getting paid to get trial offers. I’m not saying you’ll earn thousands, but it is legit and you can earn some extra cash. They assume that by paying you to do a free trial, you’ll either like the product and purchase it, or forget to cancel the trial and get charged for it. If you can keep track and cancel before you get charged (if you don’t want the product), then this is a great site for making some money.


4. User testing – user testing pays $10 a pop for testing websites. A test usually takes about 15-20 minutes. The purpose is for a website owner to watch someone, who is new to their site, try to navigate it. The value that the site owner gets by watching an actual user experience is worth a ton, but $10 isn’t a bad pay-out.


5. Fiverr – fiverr is a great place to make a few bucks or spend a few bucks if you need some of the services people offer. Basically, everything is $5. You either pay $5 or charge $5. They call them “gigs.” you can offer your services however you choose. If you sell art and you’re fine selling pieces for $5 each, that’s a gig. If you’re a graphic designer and you want to offer your services for $10/hour, simply offer a 30 minute gig. If they need two hours of graphic design, they pay you $20, or $10/hour by buying four gigs.


6. IZEA – IZEA works in addition to a blog or on its own. You get paid to blog, tweet, take photos and take videos. The pay is mostly based on your following, so if you want to make money with your tweets, you’ll need to grow you twitter following. Likewise, if you want to make money with blogs, you’ll need substantial blog traffic (more on blogging below).


Freelance writing


Freelance writing is one of the most popular ways to earn money online. Many successful freelancers can earn an average of 50 cents to a dollar per word. Some are earning twice that!


Of course, it doesn’t start out like that. You’ve got to build your portfolio and your résumé, blah blah blah. If you’re interested in writing, I’m sure you know this. If you’re not interested in writing, I wouldn’t recommend traveling down this road just for the money.


It takes dedication and time, though it can be highly profitable if it’s what you love. Assuming it is what you love, let’s talk about making money with it.


Before you decide to start reaching out to all of these freelance writing companies, you need to have a web presence. You need a blog (in my humble blogger opinion, of course).


Or you could just have an online portfolio. Even a linkedin profile works to get started. When you’re ready to start, here are 150 resources to help you write better, faster and more persuasively.


If that’s intimidating, just start with these 50 resources.


Now for what you’ve all been waiting for; once you’re ready to actually start making money, here are 10 websites you can start with:


7. Listverse – listverse pays $100 for each accepted post. The article must be a list, it must be at least 1,500 words and you must include at least 10 things. Other than that, you can get pretty creative with it.


8. Toptenz – toptenz pays $50 for each accepted post. Again, the article has to be in a list format and it must be at least 1,500 words, with few exceptions. They post often so your chances of getting accepted are fairly high.


9. A list apart – A list apart pays $200 for each accepted post. They’re not first on the list, because they tend to publish less articles, which means you have a smaller chance of getting accepted. Same guidelines as above, 1,500 word minimum.


10. International living – international living pays $75 for each accepted post. They are mostly looking for travel experiences from countries you have visited. For this site, it’s more about your experience than your writing ability.


11. Fundsforwriters – fundsforwriters pays $50 for each accepted post. They are looking for articles about writing and making money with it. They only accept articles between 500-600 words, but they want you to make each word count.


12. Uxbooth – uxbooth pays $100 for each accepted post. They do tend to take four to eight weeks to accept and post articles, so don’t count on this being a quick money maker. They take so long, because they pair with editors to only publish amazing content.


13. Iwriter – iwriter pays up to $15 for each accepted post. That may seem small, but they aren’t as strict as many of the others above and they also allow you to pick exactly what you write. You can write as many or as few articles as you want.


14. Textbroker – textbroker pays up to five cents per word, if you’re a 5-star writer. You’ll start by submitting a short sample article and you will most likely start as a 3-star writer, but you can work your way up by writing more and writing great content.


15. Matador network – matador network pays up to $60 for each accepted post, but standard pay is around $20-$25. They don’t really focus on a minimum word count, but they have a maximum count of 1,500 words.


16. The penny hoarder – the penny hoarder pays up to $800 (rarely), depending upon the number of page views you receive. The pay starts at $100 for 50,000 page views, so this isn’t a guaranteed paid article, but it can potentially be highly rewarding.


There’s no doubt that you can make money with freelance writing, but it’s a process. Once you start building your portfolio and your writing skills, you can start making some serious money. If you’re not an experienced writer, expect to put some time in before you really start to see some dough.


Sell your stuff


Ever since the idea of online auctions came into existence, the online selling market has been on the rise. Many are interested, but don’t know how to get started. There are still all kinds of ways to make money by selling online, whether you’re selling what you already have or buying and selling like a store. Before we get started, here are a few general tips when selling anything online:



  • Get a paypal account. If you don’t have a paypal account, you’ll want to get one if you’re doing business online. It’s the standard in online business for receiving payment and paying others.

  • Take good pictures. Some of the options below don’t require you to actually take the picture and sell the product, but for the ones that do, make sure you take a clear picture that makes your product stand out from the others. If you’re going to be taking a lot of pictures, set up a small “studio-like” area in your home with a backdrop and proper lighting to really make your pictures come across as professional. And of course, you’ll want a good camera too.

  • Be honest. If you’re selling used items, be honest about every dent, scratch, blemish, etc.. This will reduce many issues you could run into and keep your reviews positive.

  • Do good business. Plain and simple. Whether you’re selling on a small site or opening an online store, your customer service matters. You’ll want to get those positive reviews and make a good name for yourself. Respond to questions, concerns and complaints. Offer a guarantee if available.



Follow those guidelines and you will do well in online sales. When you’re ready to start selling, here’s where you go:


17. Amazon – have you heard of FBA? It stands for “fulfilled by amazon” and it’s getting pretty popular. Basically, you buy products (in bulk is best) and ship them to amazon for them to store. When your products sell, amazon packs them up, ships them out and sends you the money (after taking their cut). There are people making a full-time living from FBA, while others just do it for some extra money.


18. Craigslist – some things don’t ship very well. Other things may make you feel uncomfortable to sell to someone across the country. Anytime you’re selling a large item or something you just don’t want to ship, craigslist is a great place to go. It’s simple to list your item (again, take good pictures!). If you don’t like the idea of putting your phone number out there, the interested individual can send you a message to your inbox without even getting your email address.


19. Ebay – of course you can’t read an article about making money online that doesn’t mention ebay. You can start an ebay store and get serious about it or you can just sell some stuff to declutter your home. Either way, I’ve made my fair share from selling on ebay and it’s still a popular way to earn money. If you decide to start an actual ebay store, you’ll want to find a drop-ship business like doba that will store and ship items straight to your customers so you don’t have to deal with an inventory.


20. Etsy – if you like to create arts and crafts, you can sell them on etsy.It’s completely free to open an etsy store. You simply sign up, post pictures of your creations and starting selling. You can choose your payment option, but paypal is generally the easiest. Etsy makes it easy to sell and keep track of your inventory. There is a small listing fee and they take 3.5% of every sale you make.


21. Facebook – facebook swap shops are great for selling things locally. It’s like craigslist, but a little easier. You simply search for swap shops in your area and ask to join the group. Once you’re in, take a picture of the item, write a quick description with the price and post it. It doesn’t get much easier than that. You can generally expect to get about what you would get at a yard sale, maybe a little more.


Blogging


Hey look, an article about making money online that doesn’t mention blogging. . . Oh wait, here it is.


First off, I’m a blogger so it seems wrong not to mention it, but more importantly, it’s a legitimate way to make money. It’s quite possibly the least straight-forward way on this list, but it’s very doable and it’s also quite possibly the funnest way on this list. I love blogging and I know hundreds of bloggers who feel the same. So let’s talk about making money blogging and what it really means.


Blogging is something that requires patience, persistence and discipline. It may mean writing everyday for over a year before you really start to see any money from it. There are exceptions to the rule, but from my dealings with other bloggers, it seems to be pretty common to spend one or even two years building your blog, your brand and your authority, before making any serious amount of money.


Some people argue that you can make money without a lot of traffic and while that is true in some circumstances, you will generally need a lot of website traffic to start earning from a blog and that takes a while. Once you’ve reached that point, here are the primary ways to monetize your blog and start earning:


22. Advertising – this is definitely the most old-school way of earning money with a blog. It’s also starting to become the least common way. You can sell advertising spots directly on your site or you can sign up with a company like google adsense or media.Net. Either way, you won’t see a whole lot of money from ads until your views are well into the thousands each day.


23. Affiliates – there are many affiliate networks, such as flexoffers and CJ affiliate that allow you to promote other people’s products and services. You simply put a link or a banner on your page and then you get a percentage if someone clicks through and buys the product/service. You’ll want to select products that are specifically within your blog’s category.This is an effective way to earn money once you have the traffic coming to your blog.


24. Membership – many people have created a paid membership area on their blog. This is typically for exclusive content that you can only access in the “member’s area.” if you have a really great idea on what to include, this can be a great idea. You’ll have to create something that can’t easily be accessed around the web.


25. Products – you can create your own product, such as an ebook or computer software. You would then use your blog as a promotion tool to get people to buy your product. As long as you create a legitimate product with a whole lot of value, you should be able to get some buyers, but like everything else with a blog, you’ll need the traffic to get the sells.


26. Services – you can offer a paid service, such as life coaching, blog coaching, goal setting or financial planning. Just be sure to investigate all the legal implications and make sure you’re not claiming to be a professional if you’re not one. With a service like this, you’re basically using your blog to sell yourself. You’ll need to convince people that you’re worth buying and then be able to back up your claims once they purchase your service.


27. Sponsored/paid posts – many blogs publish sponsored and paid posts. Sponsored posts are basically just posts about a specific brand, product or service. A company will pay you to publish an article about it. It’s similar with other paid posts as well. Your basically selling the spot for the article on your site. If you decide to take this route, you’ll want to build your traffic before you will get many offers.


28. Subscription – if you think of something valuable (newsletter, online magazine, etc.) that you can consistently offer on a certain basis (weekly, monthly, etc.), you may want to offer a subscription service. This could be a fee charged each time your product is sent out or on a monthly basis. Either way, this has to be something that your customers can only get by subscribing to your website.


29. Videos – this could be an entire section on it’s own. Many people have made money by creating youtube videos. Evan of evantube is a kid and he has made millions by creating reviews of products that other kids his age would use. It’s not easy to get views into the millions, but once you do, you’ll start seeing some cash come in. Many bloggers have completely turned to videos to get their point across by starting a video blog.


If you’re truly interested in becoming a blogger, start by looking through the archives of problogger, copyblogger and boost blog traffic. Then go read through all the free guides over at quick sprout. It may take you a year to complete those tasks alone, but it will be worth it. You’ll practically have a MBA in blogging.


Work-at-home companies


Finally, there are some companies that will hire you to work from the comfort of your own home. If you’re interested in working for someone else, while still making your own schedule and deciding where to work from, here are a few companies that will let you do just that:


30. Crowdsource – crowdsource offers many types of jobs from “microtask” jobs to larger writing and editing jobs. You decide how much you work and you can do most of it right at your computer.


31. Demand studios – demand studios is hiring all kinds of creative professionals, from writer to filmmakers. The pay isn’t amazing, but it’s competitive for a work-at-home job.


32. Fast chart – fast chart allows you to work from home as a medical transcriptionist. There are some requirments and qualifications listed on the page, but if you meet them, you’ll make competitive pay for the industry. You’ll also be able to set your own schedule since you’ll be working from home.


33. Leap force – leap force is one way that google rates websites for search engine ranking. If you’re hired, you make decent money (usually over $11/hour), you set your own schedule and it can be pretty fun to view and rank websites.


34. Liveops – liveops is a call center that allows you to work from home. Once your set up to take the calls, you can begin making a weekly schedule and working from home. The pay is generally close to $10/hour, but you can earn more with commissions.


35. Speakwrite – speakwrite will pay you up to $15/hour to transcribe information. You set your own schedule and work from home.


Now you’ve got many different options to start earning online. If you saw something that really interests you, try it out and learn more about it. If you’re really wanting to make a full-time income online, you need to be dedicated to learning how to do what you want to do. There are tons of free resources out there. You just have to search for them!



21 ways to earn $100 every day online


Jeff Rose


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I’ve been a financial advisor and entrepreneur for many years, and I have had some big successes along the way. On days where I receive a big payday or one of my ideas works well, it’s hard not to be completely overwhelmed with pride.


Still, none of my earlier successes compare to the first day I made $100 on the internet within a 24-hour period. Something about getting a $100 check from google just blew me away — even though I was earning well over six figures in my career.


It was a game-changing moment for me since this realization helped me begin this amazing online journey that I am so grateful for.


21 ways to make $100 or more online in a single day


While it’s been a long time since I had my first $100 online payday, I have learned about a ton of different strategies to earn money online since then. And I want to share them all with you, one by one. But first, let me give you a little context about me and my story.


Around ten years ago, I started a blog called good financial cents . While my website makes tons of passive income now, I initially built my blog as a marketing tool for my financial planning practice.


At the time, I didn’t know anything about online marketing, social media, or SEO. In fact, I was oblivious about the fact you could make money online. Fortunately, I met some mentors along the way that showed me I could use my online presence to earn real money.


This was such a huge mindset shift for me since, until then, the only way I knew how to earn money was by going out and getting more clients. I didn’t know it at the time, but I would eventually replace my full-time job with blogging income alone.



Now that you know my backstory, it’s time to dig in to some of the ways you can start earning passive or active income with the internet. If you’re interested in earning money online and in your spare time, check out these 21 ways you can earn $100 or more per day:


#1: google adsense


When I started my blog, I faced a lot of restrictions as a financial advisor. As a result, one of the only ways I could monetize at the time was by using google adsense. With this income-earning strategy, you simply sign up and google gives you a code to copy and paste onto your website. From there, google does the rest and you get paid any time someone clicks on your ads and/or makes a purchase.


When I finally added google adsense to my website, I was able to earn my first $100 payout within around three months. This is pretty cool, but a lot of people have asked me how I earned so much with adsense at first.


You have to keep in mind that, as a financial advisor, most of the ads on my website are for financial products that pay out rather well. If your blog is in a different niche like food or fashion, it may take you longer for your ads to pay off with your first $100 check.



The second way I made $100 at first was via text links. If you’re wondering what text links are, check out any article on the web and you’ll see highlighted words you can click out to take you to another web page.


While I didn’t realize it for quite a while, there are a ton of companies who are willing to pay $100, $200, and even $1,000 or more for you to link from your website to theirs. But I was pretty stoked when a few companies would pay me $100 or more just for inserting a link into one of my blog posts.


Unfortunately, I eventually learned that selling text links is against google’s terms and conditions. If you are doing this on a consistent basis, your website is going to tank over the long-term.


For that reason, selling text links isn’t a good long-term monetization strategy. You can do it every once in a while without any negative impact, but you’ll live to regret it if you get greedy and overdo it.



With a sponsored post, a company pays you to talk about their product or service on their website. While I initially made $100 to $200 for each sponsored post I did on good financial cents, I kept jacking up my rates over time.


How much can you earn? Blogger alexis schroeder of fitnancials says she frequently earns $3,000 per month with sponsored posts. However, some blogs with more traffic can easily earn $20,000 per sponsored post or more.


If you plan to do sponsored posts, I definitely recommend only working with companies you believe in and feel good promoting. If you promote anything and everything without making sure it aligns with your values, you probably won’t gain a lot of trust from your readers. Over time, this could hurt your efforts to grow your website more than the income from sponsored posts helps.


#4: affiliate marketing


Affiliate marketing is one of the most lucrative ways to make money online. When I was able to add affiliate links to my website, I watched my income surge in a big way in a matter of weeks!


In the financial planning niche, affiliates include companies like online brokerages, online banks, and financial tools. These kinds of companies pay very good money if you’re willing to promote them.


While the type of affiliates you work with will vary depending on the niche you’re in, keep in mind that some companies will pay you up to $100 per conversion. It’s not too hard to start earning real money with that kind of return on your time.


If you don't believe me, check out making sense of cents. Michelle schroeder-gardner is the entrepreneur behind this blog, and she is also the founder of a course called making sense of affiliate marketing. Through her website and course sales, michelle consistently earns over $100,000 per month. No, that is not a typo.


#5: display ads


Display ads are very similar to google adsense except that the reader doesn’t have to click on the ad for you to make money. Think of display ads as billboards that are on your website instead of on the side of the highway.


With display ads, you get paid based on the number of times your ads are viewed no matter what. For that reason, these ads will work better for you as the traffic to your website grows over time.


#6: freelance writing


Freelance writing is another way to earn online income if you don’t mind earning some of your money with active work. Another benefit of freelance writing is that you can gain exposure by writing for larger websites.


One of the first websites I wrote for paid me $150 per article. This wasn’t a lot of money, but I used the opportunity to improve my writing skills and get my name out there. I don’t write as much for other people anymore, but I do know plenty of freelance writers who are earning $250, $500, and even $1,000 or more per article.


Some freelance writers I know are even earning six figures or more writing from home each year. This includes blogger holly johnson, who earns over $200,000 per year writing articles for other websites. Johnson also offers a course you can check out if you want to become a freelance writer but need some help getting started.


#7: getting new clients for your business


When I started my blog, I envisioned my website as a marketing tool to get new clients for my financial practice planning. This strategy worked great since my online presence helped me build authority and reach people I may not have reached otherwise.


If you have a service-based business of any kind, I would absolutely suggest starting a blog or building an online presence you can use to get new clients. This can help you build your client base just like I did, and it’s a lot more fun than cold-calling or holding boring seminars.


#8: coaching


If you have expertise in a specific field, you can also use the internet to build up a coaching business. This is something that happened on accident for me. As I built my blog and my brand, a ton of people started reaching out to me to learn how I did it and how they could apply the same ideas to their own business. While I initially gave out advice for free because I enjoyed it, I eventually started charging a consulting fee.


How much you earn depends on the type of niche you wind up in. According to recent statistics, executive coaches make around $325 per hour while business coaches make more like $235 per hour. Life coaches, on the other hand, are able to charge approximately $160 per hour.


#9: selling leads


Once I was a few years into good financial cents, I started a second website called life insurance by jeff . While we initially started this website to build up our own leads, we got to the point where we had so many leads we couldn’t handle them ourselves.


Eventually, I found out that a handful of insurance companies were willing to pay for leads generated through my website. These companies would pay between $35 to $100 per lead, which is insane. This was a big eye-opener for me since I had no idea this was possible.


Also note that it’s not just life insurance companies willing to pay for leads. There are a ton of different avenues and lead generation strategies out there, so make sure to consider all the possibilities.


#10: digital products


There are all kinds of digital products out there, but there is always room for more. I even have a few of my own!


If you sign up for my free make 1K challenge where I show you how to start a blog and make your first $1,000, for example, I have a $7 upgrade that includes some pdfs and behind the scenes video. While $7 doesn’t sound like a lot of money, this one product still helps me earn an additional $1,500 to $2,000 per month passively!


Another example of digital products is the wide world of printables. Lots of online entrepreneurs create digital products their customers can print at home, and they often make bank doing it. While many bloggers have their own printable budget templates, meal plans, or checklists, you can also find examples on etsy.Com.


#11: online courses


I’ve talked about my digital products before, but keep in mind that you can make nearly digital product on your own. It could be a PDF, a video series, or a course — whatever you think fits with your business model. Just keep in mind that you have to deliver the goods and make sure your product is high quality. If you sell crap just to make a buck, you’re going to lose street cred pretty quick.


In a post I wrote on how much youtubers really make, I shared how some youtube stars have courses of their own. For example, famous real estate youtuber graham stephan earns a ton of cash selling real estate courses through his real estate agent academy . How does he earn so much? His courses start at $497 each. That's just one example, but there are plenty of others.


#12: investment gains


Like anybody out there, you can set up an online brokerage account and buy etfs or stocks. I’ve been able to make at least $100 per day off my investments for a long time, and this income is some of my favorite since it’s entirely passive.


Keep in mind that it’s crucial to have traditional investments in addition to an online business that can help you rack up passive income. Just open an account with scottrade, TD ameritrade, or another online brokerage and you’re good to go.


There are so many ways to invest online these days that there is literally no excuse not to. I am tired of the excuses, so start investing your money to grow long-term wealth today. #rantover


#13: peer-to-peer lending


I’ve been making money with peer-to-peer lending for a long time. With websites like lending club, borrowers and investors can connect for mutually beneficial financial transactions. On the investing side, you can invest in crowdsourced loans for individuals who need to borrow money all over the united states. Returns tend to be high on these loans, and you can use these platforms to build more passive income for yourself while also helping someone out.


Which peer-to-peer lending platforms should you sign up for? David galland of gallan research dove deep into every option a few years ago. Ultimately, he said that the best peer-to-peer platforms for investors were lending club, prosper, upstart, and funding circle.


#14: crowdfunded real estate investing


There are a lot of real estate investing websites out there, but the one I still use to this day is fundrise.Com . With fundrise, you add money to your account and professional investors will invest your money on your behalf and pay you dividends. If you want to invest in real estate without the hands-on hassles of being a landlord, this is a great way to get started with as little as $500.



Like sponsored posts on a blog, sponsored social shares take place a company pays you to post about them on social media. This could be on facebook, instagram, twitter, or any other social media platform.


I don’t do much of this, but my wife gets paid some fat cash to post pictures and talk about things like furniture, rugs, and kid’s clothes. It’s almost funny to me how much money you can earn, and it is surprising the kinds of things people will pay for!


#16: selling stuff online


Another way my wife makes money all the time is by selling stuff online. She normally sells our stuff online via different facebook groups. For example, we just sold this wooden hutch someone gave her for free as part of a social media sponsorship.


If you have items to sell and don’t mind spending some time creating free ads on facebook or a website like craigslist.Org, selling stuff is a great way to use the internet to earn more money.


#17: sell a physical product


Back in the day, my wife and one her business partners had a subscription box product called happy mommy box. They had 1,000 customers that were paying $35 per month for these cute boxes full of products happy mommies love.


Eventually, she got overwhelmed by it all and she and her partner decided to shut the business down. However, this just goes to show what kind of opportunity is out there.


For example, several popular youtubers have their own stores they use to sell physical products. Jeffree star sells makeup, for example, and jake paul sells all kinds of fan gear through his online store. You can also head to to etsy.Com and find all kinds of entrepreneurs selling homemade soaps, unique home decor, T-shirts, and pretty much anything else you can think of.


The bottom line: physical products can also help you earn real money, so make sure to explore the different products you could sell. This could mean drop shipping products you market as an affiliate, but it could also mean coming up with your own product to sell.


#18: youtube ads


Even though I used youtube back in 2011, I didn’t even turn on ads until 2017. When I did finally turn ads on, I started making $5,000 per $6,000 per month!


Youtube ads are easy because all you have to do is turn on ads every time you publish a video. Obviously, you’ll earn more money with this strategy as you build your viewership.


#19: buying and selling websites


People buy and sell websites all the time for a variety of reasons. And, if you know what to look for, it’s easy to buy websites that can help you earn some passive income over time.


Personally, I have bought several sites over the years including financeforteachers.Com . I haven’t done anything with the site since I bought it a year ago, but it still helps me earn $100 to $150 per month with no effort at all.


If you want to check out websites and urls that are currently for sale, head to flippa.Com.


#20: brand sponsorships


This strategy runs alongside sponsored posts, but it’s much more involved. Many brands want more than a sponsored post when they work with you. In fact, they are often willing to pay for some sort of sponsorship package that includes written content, videos, social shares, and more.


I’ve done a few of these over the years, and they can be very lucrative but also a huge pain! But, if you’re willing to jump through some hoops and you have a sizeable following, you can absolutely consider brand sponsorships as yet another way to earn money online.


#21: book or ebook


Finally, you can also consider writing a book. I wrote a book called soldier of finance several years ago, but I am still selling copies to this day. The growth of my youtube channel has been a big part of that, which I am eternally grateful for.


The cool thing about a book or an ebook is that, once it’s out there, you can just keep selling it over and over. Plus, you can write a book about any topic you want! If you’re interested in any topic, hobby, or idea, chances are other people are as well.


The bottom line


While these are some of the ways you can make money online, this list isn’t all-inclusive. We didn’t talk about facebook ads, retail arbitrage, membership groups, or a ton of other strategies!


If you need to earn more money on the side, remember to think about all the different ways you can earn money with the internet. Even if most of these strategies don’t sound like much fun to you, chances are good that one of these ideas is perfect for your lifestyle and goals. Start earning money online and I guarantee you won’t regret it.



36 apps that can make you money


Modified date: january 21, 2021


You already do everything from banking to handling your bills via smartphone. So why not use your phone to earn money, too?


The apps to make money listed below generally won’t make you rich any time soon. But many can give you ways to earn just a bit of extra cash. Check them out if you want to earn a little money on the side, often for little to no actual work.



Deal of the day : chase is now offering a $200 cash bonus when opening a total checking account. No minimum deposit and all deposits are FDIC insured up to the $250,000 per depositor maximum.


Top money making apps


Yes, there are 36 money-earning apps on this list, but not all of them will be a good fit. Here’s a list of or top 10 that most people will be able to benefit from:



  • Best for filling out surveys: swagbucks

  • Best for savings (and making money): capital one shopping

  • Best for investing: robinhood

  • Best for automatically earning rewards: drop

  • Best for price drops:earny

  • Best for selling used items: mercari

  • Best for grocery shopping: ibotta

  • Best for mystery shopping: field agent

  • Best for health-conscious folks: sweat counter

  • Best for small gigs: money machine



36 of the best money earning apps for 2021


1. Capital one shopping


Disclosure – capital one shopping compensates us when you get the capital one shopping extension using the links provided.


One of the best savings (and making money) apps is capital one shopping. It’s a shopping app that can help you make money in two ways: finding better deals and giving you rewards.


The first is by helping you save money on the products you buy everyday. A penny saved is a penny earned, so saving money on a purchase you were going to make anyway is just as good as making money.


Capital one shopping has a database of websites that sell a product and the price it sells it at. Once you install the app on your browser, capital one shopping will automatically comparison shop for the product you’re interested in. You can also use the phone app to scan barcodes of products in stores and find local retailers selling the same thing for a better price.


The other way capital one shopping makes you money is by giving you rewards when you shop. You can add deals from local merchants and online vendors to your account. When you shop at one of those stores, you’ll get reward points that you can redeem for gift cards to popular websites. Read our full capital one shopping review


2. Robinhood free share of stock (up to $200)


Robinhood is an investing app that offers you the opportunity of buying stocks with a $0 trading cost. The beauty of the app is that you can invest in partial shares of stock; so if you only have $20 to invest, you can still own part of google!


The bonus of robinhood is that when you sign-up (which is free), you’ll be awarded a free share of stock. This share of stock can range in value anywhere between $2.50 and $200 (the value of the stock is likely on the low end but you’ve got a shot for a good one!). Read our full robinhood review


Advertiser disclosurethis advertisement contains information and materials provided by robinhood financial LLC and its affiliates (“robinhood”) and doughroller, a third party not affiliated with robinhood. All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Securities offered through robinhood financial LLC and robinhood securities LLC, which are members of FINRA and SIPC. Doughroller is not a member of FINRA or SIPC.”


3. Swagbucks $5 bonus


35 Real Ways to Actually Make Money Online, earn real money.
We’ve written before about swagbucks as a way to earn side money. You can make this even easier now by using swagbucks as an app instead of just on your computer. As with many of the other apps featured here, this one will give you notifications when you’re eligible to take surveys or complete other paid tasks. Read the full review here.


4. Mypoints $10 bonus


35 Real Ways to Actually Make Money Online, earn real money.
Mypoints is a popular rewards site established in 1996 that offers users the ability to accumulate virtual points in different ways to exchange them for prizes or cash. You can later redeem your points for amazon gift cards or 75+ other retail and restaurant partners. Read the full mypoints review here.


5. Worthy bonds


35 Real Ways to Actually Make Money Online, earn real money.
Worthy bonds earn a fixed rate of return of 5% and the cost of the bond is only $10. Buy as many bonds as you’d like; and watch as you accrue interest weekly. Bonds have a 36-month term but can be cashed out at any time, without penalty. Check out worthy bonds or read the full worthy bonds review here.


6. Public


35 Real Ways to Actually Make Money Online, earn real money.
Public is a social investing app that makes it possible to build your financial literacy with your friends. Public offers fractional shares of thousands of public companies and etfs, making it possible to build a portfolio no matter your budget.


Since public is a social experience, they offer many ways for members to earn free “slices” of stock (valued up to $10) for referring their friends. Like other apps, each public member gets a unique share link. Public also makes it possible to share your trades outside the app (even to instagram stories!), and when you do and friends join and are approved, you can earn free stock. You can also earn free stock by inviting friends to chat groups. Once they join and are approved, you’ll earn free stock for that, too. The more friends you bring in, the more slices you earn. Read our review of public here.


7. Drop


35 Real Ways to Actually Make Money Online, earn real money.
This app makes it really easy to earn rewards without having to think about it. You just link it to your credit and debit cards, spend as you normally would, and then earn points by shopping with your favorite retailers. You can redeem the points you’ve earned for free gift cards.


8. Acorns $10 bonus


35 Real Ways to Actually Make Money Online, earn real money.
Acorns is a terrific investing and savings app that is offering $10 after signing up. Acorns can help you in tracking your daily finances, saving for the future and planning an investment strategy that fits your risk profile. Read our full review of acorns here.


9. Earny


If you use credit cards or retailer apps, chances are some of the items you buy are subject to price protection policies. This means if the price drops within a certain amount of time of your purchase, you get a refund. Earny hooks up with your credit cards to automatically search for price drops and subsequent refunds. The app takes 25% of the refunds it gets you. But since you probably were never going to remember those policies anyway, it’s still free money. Read our full earny review .


10. Ebates


This cash back app lets you search for rewards, coupons and promo codes. If you’re a frequent mobile shopper. Installing ebates can help you save. The app also gives you push notifications about new deals and sales.


11. Surveys on the go


This is another survey app that lets you set up your profile and then take surveys for which you get paid. It lets you rate shopping experiences and products or even review movies or TV shows. You’ll get your first dollar right away when you download the app.


12. Google opinion rewards


Here’s yet another survey app that lets you get surveys about once a week. With this app, you get rewards that you can use in the google app store. The surveys are generally pretty short, and can include things like rating different ads.


13. Money machine


This app is similar to others that focus on surveys but also let you earn money by watching videos and completing other small online tasks. It will notify you when you can complete different types of offers. You can then transfer the rewards to your paypal account as cash.


14. Ipoll


This app gives you alerts when you qualify to take a paid survey. You can set up your profile ahead of time, and then get notifications for surveys for which you qualify. You can also do product reviews, be a secret shopper, or test ads. You’ll get money, which you can reward at ipoll’s online store.


15. Sweatcoin


This app basically turns your step counter into cash. It tracks your activity, and then rewards you with sweat coin. You can’t turn the digital currency into cash. But you can spend it in the in-app store on goods and services, or you can donate them to charity as cash. It’s an easy way to earn cash just by walking around.


16. Foap


If you’re constantly snapping photos on your smartphone, foap could help you make money. You can sell your photos to brands and individuals around the world. You can sell photos you already have in an online portfolio. Or you can go on specific missions to sell photos to brands like bank of america or pepsi. Foap lets you cash out your earnings through paypal.


17. Mercari


Turn your spring cleaning into cash with mercari. This app-based shop lets you sell everything from toys to clothes. Your listings are free. You just pay a 10% fee when your sale is complete. This is also a great place to buy used merchandise online.


18. Mobee


Want to become a secret shopper? Mobee lets you do it easily. Download the app and then use the map to pick a business on it. You can complete missions at a variety of retailers and restaurants. You’ll get points for each mission, which you can redeem for gift cards or swag.


19. Offer up


Here’s another way to sell unwanted stuff with ease. Just download the app, and then sell pretty much anything. This app is made for local sales of larger items like furniture, but you can also find baby and kid stuff, clothes, electronics, and more.


20. Perk pop quiz


With this app, you can take fun pop quizzes on everything from album covers to movie quotes to anatomy. You’ll earn points for each quiz, which you can cash in on your perk plastik discover card or to buy gift cards. Each quiz also enters you into a daily cash prize drawing for $50.


21. Task rabbit


If you’re interested in earning money by completing basic tasks and running errands locally, check out task rabbit. You can earn money for completing these things for your neighbors, and then you can cash out your money. It could be a good side gig.


22. Ibotta


Use ibotta when you go shopping to save with cash back rebates or earn points for buying your favorite brands. You can also earn by linking your store loyalty cards to the app or sending your receipts to the app after you shop. You can cash in your cash back through paypal, venmo, or in the form of gift cards.


23. Tap cash rewards


Kill some time with this app, and earn money while you’re doing it. With the app, you can try apps and games or watch videos to earn rewards that you can cash in through paypal. You can also cash in your points for gift cards.


24. Bookscouter


This book lets you find retail pricing for used books and textbooks. Just use your phone’s camera to snap a picture of the book’s ISBN, and you’ll see what it’s worth online. You can even use the app to create a shipping label for the books you send to bookscouter. This is a great app if you want to declutter some books, cash in on your used college textbooks, or shop for potentially valuable used books at garage sales and thrift stores.


25. Snapwire


Here’s another app that lets you make money off of your smartphone photos. This gamified photo selling app gives you points and lets you level up as you provide businesses with photos. You can use the app to create a portfolio and to share photos with whoever you want. You can also get notification about requests you might be able to fulfil.


26. Decluttr


This app lets you sell specific types of items that you might have lying around the house. It focuses on cds, dvds, and games. You can use the app to snap a picture of the item and get an instant offer for the price. You can ship the items to decluttr for free and get your money by direct deposit the next day.


27. Checkout 51


This is both a couponing and a cash back app. It lets you search for and save coupons before you go grocery shopping. Then you can use the app to earn cash back when you purchase your favorite brands.


28. Lyft


As with uber, lyft drivers have to apply. And lyft’s criteria are a bit more stringent. But, still, you can install this app to give rides as you go about your own day, which can be an easy way to earn a bit of money on the side.


29. Gigwalk


This app is generally geared towards those who want to make a few bucks, but you could also become a full-time gigwalker. You can use the app’s built in map feature to find gigs near you. Gigs can include things like putting together furniture, walking the dog, or just running basic errands. Pay for and frequency of gigs depends on where you live.


30. Shopkick


Use the shopkick app in your favorite retail stores, including target and walmart. While you’re there, you can complete challenges like walking down different aisles or completing a scavenger hunt for certain items. You can also earn points by submitting your receipt after you shop. You can redeem shopkick points for free gift cards to amazon, target, and more.


31. Upwork


This is the replacement for the older elance website. It lets you find gigs, similar to the other gig apps mentioned here. But for the most part, these gigs will take place online. You can find work as a virtual assistant, a writer, or a web developer. And you can set up the app to get notifications of job openings and more.


32. Lucktastic


This app offers free scratch and win games that let you earn points or even real money. You can redeem tickets that you win for sweepstakes entries, magazine subscriptions, gift cards, and more.


33. Letgo


Get more clutter to get rid of? Try letgo. The app uses image recognition and artificial intelligence to title and categorize items as you list them. You can sell even large items to buyers nearby.


34. Apptrailers


This app lets you watch video trailers of new apps, celebrity gossip, and more. For each video you watch, you can earn points, which you can redeem for gift cards, perk points, or sweepstakes entries.


35. Field agent


With this app, you can get notifications about missions in your area. Basically, your goal is to help companies better serve their customers. You can do this by visiting local stores, shopping for specific products, or taking photos. You can also answer questions or take surveys. You’ll earn cash, which you can receive via direct deposit or dwolla.


36. Uber


You’ll have to work slightly harder to earn money with this app. But uber driving could be a full-time job if you work it hard enough. For many, though, it’s just a side gig. Consider signing up to drive and then just turning the app on as you go about your day. You might be able to pick up a ride on your way to work or school, for instance, for just a bit of extra money.


How to make money with apps


There are plenty of ways to make money with apps, with some having a more automated process than others. To start, you’ll need to decide which app you want to use and the way you want to earn money.



  • Cash back – many cash back portals or shopping browser extensions help you save money on purchases you’ll already make, earning you cash back towards gift cards or straight-up cash

  • Small tasks – many of these apps allow you to earn money doing small tasks that take a few minutes such as filling out surveys, watching videos, and even playing online games. Most you can even do while multitasking.

  • Larger tasks – apps like these allow you to set up a profile and advertise your services or choose from a list of gigs you want to get paid for.

  • Investing – you can earn money from the amount you invest, which is a pretty passive way to earn money. It doesn’t require a lot of money to start



Afterward, you simply need to sign up for an account and read through what you need to do to get started. While it might sound a bit boring, reading through their terms and conditions is helpful for knowing things like how you’ll get paid.


How to choose the best app for you


Choosing the best app for you may take some trial and error. First, begin by thinking about how much time you have to devote to the app. For instance, if you rather have a more passive option of earning money, perhaps robinhood, public, or capital one shopping is your best bet, as you don’t really have to do much to start getting money from your efforts.


If you have some time to devote and think it might be fun, signing up for an app like swagbucks or field agent offers you the opportunity to earn up to a few hundred dollars a month without too much effort.


However, if you’re looking to earn more money, going with apps where you can post gigs like upwork or taskrabbit is your best bet. That, or invest a larger sum of money in an investment app and let the magic of compound interest work for you.


Scams to avoid


Sadly, there are scammers out there who will try to pry your hard-earned money from your hands. Remember, if there are any apps or people contacting you that require you to pay or spend money in order for you to earn rewards, run far away. Yes, investing apps will need you to invest money, but you don’t need to pay anything to access your own cash. If you’re unsure of whether an app is legit, it’s better to be safe than sorry and not sign up for it.


How we came up with this list


We looked through hundreds of apps, evaluating factors such as ease of use, rewards thresholds, types of activities, and how long it might take for you to complete tasks. The ones we picked were ultimately the easiest to use, offered great customer support, and helped you earn rewards in exchange for a reasonable amount of time and effort.


Summary


There are lots of ways to make money and using apps to help you do so can be a smart idea. After all, many of the options on our list are free and don’t require you to spend a lot of time to start receiving perks. Go ahead, give some of them a chance, and hopefully you’ll a bit of income in no time.



How to make money fast: up to $100-$500 TODAY (at home)


Learn the 7 reliable techniques thousands of my students have used to make money fast and without leaving the house (even in 2020).


There’s tons of money making opportunities out there, but if you need to learn how to make money fast, the last thing you want is to do meaningless tasks for low pay, learn a new skill that could take months or spend money out of pocket to make your first dollar.


Here’s what I’ll teach you:



  • How to earn more money after one conversation with your boss

  • How to lower every single one of your bills

  • How to start making money on the side THIS WEEK



Then we’ll get into the best part:


How to optimize your career and job – the easiest way to make the most money FOREVER.
The seven best ways to make money fast are:



  1. Negotiate your bills

  2. Negotiate your rent

  3. Sell stuff on ebay, offerup, craigslist, facebook marketplace, etc.

  4. Negotiate your salary

  5. Change your job

  6. Find your first freelancing client

  7. Start an online business



Now, let’s take a look at each of these different ways to make more money so you can see which option is best for YOU!


Bonus: want to know how to make as much money as you want and live life on your terms? Download my FREE ultimate guide to making money


How to make $100 – $500+ today (without leaving your couch)


1. Negotiate your bills


The awesome thing about negotiations is you can do it with practically every service you pay for. That includes the fixed costs you pay each month. This is a great way to make money right now.



  • Credit card rates and fees

  • Gym fee

  • Cable fee

  • Cell phone fee

  • Car insurance



With a quick phone call, you can get these costs lowered, putting more money directly into your pocket.


Because the dirty secret is that most of these companies rely on thousands of people to zombie walk through their payment process. That’s why your cable company seems to jack up rates every year. They know you’ll likely just shrug, throw it away, and carry on with your day.



Save $1,000 with 5 phone calls


By calling these companies and asking one simple question, you open the door for more money in your pocket. Just remember two magic phrases:



  • “times are tough.”

  • “is there anything you can do for me?”



Example conversation script:


how to make money fast example conversation script 1


The key is to be nice. Be cordial and ask them what better plans they have to offer you. Nothing’s going to get you shot down quicker than getting angry and screaming, “HOW DARE YOU SCREW ME OVER WITH THESE PRICES. I WON’T STAND FOR IT. GIVE ME fewer FEES … uh please?”


If you mess up or things don’t go as planned, don’t worry. Hang up and call back. You can always play around with a few phone calls and see what works best.


When you get to the customer retention department, restart the sequence. This is when you pull out your competitive intel on the other services being offered.


If verizon is offering something for $10 less, tell them that. That’s $120 savings/year right there. But you can do more.


You: listen, you know times are tough and I need to get a better deal to stick with you guys. You know and I know that your customer acquisition cost is hundreds of dollars. It just makes sense to keep me as a customer, so what can you do to offer me this plan for less money?


Notice that you didn’t say, “can you give me a cheaper plan?” because yes/no questions always get a “no” answer when speaking to wireless customer service reps (or anybody whose job it is to get you off the phone and out of their hair as soon as possible)


Instead, ask leading questions. You also invoked the customer-acquisition cost, which is meaningful to retention reps. Finally, it really helps if you’re a valued customer who’s stuck around for a long time and actually deserves to be treated well.


If you want an even deeper guide on how to make money by saving, check out my save $1000 in a month challenge.


Bonus: want to work from home, control your schedule, and make more money? Download my FREE ultimate guide to working from home.


2. Negotiate your rent


Rent as a percentage of your expenses chart


I’d bet that rent is your biggest expense. Save $100 on your rent and that adds up to $1,200 a year with ONE conversation. Or you could collect 24,000 cans and recycle them. Your choice!


Of course, you can’t just say, “I want to take $200 per month off my rent!” you have to be ready to offer something in return.


What does your landlord really want? Tenants who are making money for them, of course. But dig deeper and you’ll find there’s a lot more you can offer. The goal is to give them something you don’t care about in exchange for something you do.


Here are a few things many landlords will happily lower rents for:



  • Prepay months in advance

  • Sign an extended lease

  • Offer to extend the termination notice from 30 days to 60 or 90 days

  • Offer to give up your parking space if you don’t have a car (the landlord could charge another tenant for an extra space)

  • Promise not to smoke in the apartment (this will save the landlord money when you move out)

  • Promise not to keep cats even if they’re allowed (another cleaning expense for the landlord)

  • Make a deal for referrals if they have low occupancy



If you know what you want and you know what they want, the chances of succeeding in your negotiation increase significantly. Here’s an example script you can use to lower your monthly rent:


how to make money fast example conversation script 2


NOTE: if you want to make your home (or anywhere with wifi) your office, make sure you check out my article working from home: the essential beginner’s guide.


3. Make money fast selling on ebay, craigslist, facebook marketplace (or whatever site you want)


A few years ago, I was skeptical when it came to selling things on ebay, facebook, craigslist, or any other online marketplace. Can you really make money doing that? But then I tested selling a few things online… and I ended up making money. Quite a bit actually. $1,000+. We ALL have things laying around the house that we can sell. Maybe…



  • There’s a pair of nice shoes in your closet that you never wear

  • In your attic, you have some old baseball cards collecting dust

  • You recently upgraded your laptop and don’t know what to do with your old one



If you want help figuring out how to do this successfully, I’ve written about how to successfully sell items on ebay in this blog article.


For more on how to make more money, you can download my ultimate guide to making money for FREE.


How to make $1,000 – $5,000 this month


1. Negotiate your salary


I LOVE salary negotiations!


With just a five-minute conversation you can make thousands more and, what’s better, the gains add up year after year.


This one of my favorite ways to ways to make money through a single conversation. It’s essentially quick money that — unlike taking surveys or selling your body to medical studies — gives you a LOT of money over many years.


Check this chart demonstrating the effects of ONE $5,000 raise:


How much negotiating a $5000 raise will get you over 40 years


Learning how to make more money via salary negotiations is simple — though it’s going to take a little bit of work on your part:


Step one: find out! Use sites like payscale.Com, salary.Com, or glassdoor.Com and get the salary range for your job and location.


Step two: give the heads up. Let your boss know you’re preparing to discuss salary with him or her. I cover how to do that in the 14-minute video below.



How to negotiate your salary


Step three: use the briefcase technique. Before even stepping foot into the room, use my tried and true briefcase technique. This is something my students have used THOUSANDS of times for IMMEDIATE gains in salary. This is a surefire way to make the most money you can from a job.



Now, two big roadblocks might arise.


First, if you’re not good at your job, there’s no amount of negotiating that will help.


That’s why I love salary negotiations. Not only is it a good incentive for you to work harder and become a top performer, but you also stand to gain a lot of money from the hard work.


FACT: doing a good job at work 10x’s your chances of making more money.


But if you’re going through your job just HOPING you’re doing a good job, you’ll be forgotten when it comes times for raises — and you won’t earn more.


Just like great companies get inside the heads of their customers, top performers figure out EXACTLY what their bosses want and optimize their strengths accordingly.


Tie everything you do to whatever goal is important to your boss and remind them often. This is how people become indispensable.


See my interview with michael williams for more:


Second, your company might tell you that they simply don’t have enough money to give you a raise. Get around that stonewall using the systems I outline in the video below.



Ask ramit: how can I negotiate salary when they tell me they can’t pay more?


Once you have all of your prep ready, you’re good to go. But if you’re a weirdo overachiever like me, you can also check out my complete guide with scripts, more videos, and common mistakes here.


Negotiating your salary takes a bit of upfront work, but just ONE conversation can be worth thousands. It’s one of the easiest ways to make money.


The best way to make money fast is not to reinvent the wheel and to leverage the sources of income you already have. So the next time someone tells you to get more money by cutting back on lattes or by picking up loose change, grab them by the shoulders, and shake them for me.


Be sure to remind them that you’d have to skip out on 1,370 lattes in order to save $5,000 (or they can just get a one-time raise).


Bonus: want to finally start getting paid what you’re worth? I show you exactly how in my ultimate guide to getting a raise and boosting your salary


2. Change your job


Should you change jobs? Change industries? How do you know whether to stay put or to take a risky move that will result in more money? By using the bezos regret minimization framework.


Ask yourself: which will you regret more 20 years from now: staying in your current situation or trying something new and failing?


And remember: the more responsibility you have, the more money you can command.



Deciding when to take risks in life.


3. Find your first freelance client


I’ve said it before and I’ll say it again: there is a limit to how much you can save, but there is no limit to how much you can earn.


Finding a new job or changing careers takes time (we’ll get to that). But in the next few days, you can set up your first side hustle and make money fast.


The best part: freelancing is a skill. That means you can get BETTER at it with time.


And once you get your first paying client, it’ll be easier to get more clients and make more money.


Bonus: want to fire your boss and start your dream business? Download my FREE ultimate guide to business.


First thing: so many other websites will tell you to troll for freelance gigs on places like fiverr or mechanical turk. These places work if you want to compete with people all over the world in a race to do the most work for less. No thanks.


Look at what you’ve already got. 95% of jobs can translate into some sort of side gig. Ask yourself:



  • What do I enjoy?

  • What do I do with my free time?

  • What do people ask me to do because I’m so good at it?



People are very bad at identifying their own skills. They’ll say things like, “I dunno … I guess I’m good at writing and communication, and, like, general organizational skills…” AMAZING!! HERE’S A $4,000/MONTH RETAINER. (sorry, won’t happen.)


Repeat this over and over: people pay for solutions, not your skills.


For example, I was on a webcast where I was suggesting ways for people to earn money on the side, and I mentioned that I hate cooking, am not good at it, and would love it if someone cooked for me.


I got an email later that night from someone who said, “ramit, I can help. I can teach you everything you need to know over one weekend, and you’ll know 3-5 great dishes to cook.” I appreciated the offer, but wrote back, “thanks for the offer! But you don’t understand. I don’t want to learn — I want someone to do it for me.”


Again: people have problems. And they want solutions.


They don’t care what you’re “interested” in. Are they too busy to organize their closets? Do they need someone to help them redesign their website? Maybe they want someone to teach their kid how to play the flute.


Start off by assessing the skills you use every day at home or at work.


Typically, you can break these down into two areas:



  1. Skills. These are things you have the expertise and knowledge in (e.G., languages, coding, copywriting).

  2. Passions. These are things you love to do in your free time (e.G., playing musical instruments, volunteering to take care of animals, genealogy work).



Take some time right now to write down 10 – 20 ideas of different skills and talents you have.


After you’re done, let’s take a look at an example of this in action. Maybe your list looks like:



  • Do a little PHP coding

  • Organize systems

  • Automate complex processes

  • Project manage

  • Create technical documents that can be understood by lay audiences

  • Lead a team



Now ask yourself: which of these skills can solve a specific problem? Brainstorm those out. Don’t censor yourself — put everything down.



  • I could do some PHP coding, but I’m not the best.

  • I could help businesses automate and streamline their income-generating processes. Vague, but okay.

  • I could manage projects and lead teams towards deadlines/organizing. This is super vague, any 22-year-old college grad would say he could do the same, and it doesn’t take advantage of my specific skills. Skip this.

  • I could be a technical writer and help companies demystify their technical-support documents. I could even rewrite the technical portions of their websites to make them more comprehensible to normal people, especially companies in the consumer energy field. Very promising, especially since I follow a few of these companies online.



Each of these individually is a potentially viable freelance trade – can you pick one and do it? The answer should be YES/NO to each. Put “YES” if even remotely feasible.



  • PHP coding: YES

  • Automate systems: NO (too vague for me to know where to start)

  • Project manage: NO (too vague)

  • Technical writer: YES



Excellent. Now you have a list of skills that might potentially be profitable.


Optional: combine skills together to make a more compelling, more niche offer.


You can often charge more and help clients more by packaging offers. In this case, it’s not very relevant, since technical writing and PHP coding are pretty different. But one of the people who helps on IWT pitched me to do video editing + marketing. Perfect fit. I hired him.


Next step: how can you prove to people that you’re knowledgeable enough for them to pay you?


The first thing I do when evaluating someone is look at their portfolio and past clients. At least half of potential hires don’t have this section. Easy solution! I move on to someone who does.



  • For our systems engineer, can he point to a PHP project he did on the side?

  • What about a sample of technical writing where he turned something very complicated into something totally palatable?



Last step: start finding clients. With your offering in place, it’s time to find potential clients. Sure you could randomly print business cards or set up a blog. But before doing ANY of that you need to make sure you have something people want.


– identify your clients. Who are they? What are their hopes and dreams? How old are they? What do they do? Are they married? How big is their company? (more on getting your first 3 clients here.)


– reach out directly. Lots of people set up a twitter account and wait for the world to come to them. DON’T DO THAT. Once you’ve identified your potential client, email them directly. Example email:


how to make money fast example conversation script 3


This email script has generated thousands of dollars for my students and can help you connect deeply with your potential clients and begin a relationship that can lead to your first paying client.


More resources that may help:


Bonus: ready to ditch debt, save money, and build real wealth? Download my FREE ultimate guide to personal finance.


How to make $10,000+ THIS YEAR


1. Start an online business


Identify worthwhile ideas, and turn them into online businesses. There’s no question that if you really want to make more money, starting an online business is one of the best ways to do it. It’s also a great way to find freedom and self-worth.


When I first started out, I had way too many interests. Psychology! Writing a book! Marketing! Spicy salsa! OMG how can I turn all of those into a business?? Should I create a website on the psychology of spicy-salsa eating and how it relates to improving your business marketing?? OMG IS THAT IT?? AM I A GENIUS??



How to start an online business.


No, you are horrible. But that’s NORMAL when you’re starting out. Do you realize that identifying profitable business ideas is a skill? It’s not something you just dream about, then one day it falls from the sky. You learn the frameworks and psychology of deciding which ideas will work…and which ideas are not worth your time.


(as an example, this still happens, even now: just recently, I spent 4 months working on a business idea with my team, spending a huge amount of time and money, until we ultimately concluded it wasn’t worth it. We shelved it away and I wrote an email to the team, telling them, “we can’t figure out how to make this work. We’ll re-look at it in 2 years.”)


You don’t have to spend all that time and money — but you will learn how to identify which ideas are worth pursuing.


I want to show you some examples of business ideas that seemed crazy…but actually, work. Here are just 3 examples of successful online businesses



  • Larry law law (https://larrylawlaw.Com): tutors law school students. Revenue through courses and tutoring.

  • Find your inner happy (https://findyourinnerhappy.Com): advice for highly emotional, sensitive people. Revenue through ebooks & coaching.

  • True wellth (https://www.Truewellth.Org): vegan health tips and recipes. Revenue through guides and courses.



Those are examples of how you can take your interests and turn them into an online business. And there are literally tens of thousands of other examples.


But there’s still one of my favorite methods to make money we haven’t covered…


The single best way to make money — automatically



How to automate your finances.


Most people will focus on the little things. Not you — if you do the above you will be ahead of 95% of your peers. Everything above is a repeatable SYSTEM and not a one-and-done tactic.


With that in mind, I put together a special bonus for you.


In this 11-minute video, I’ll show you how you can create the perfect system to automatically take care of your money every month.


This is the single best way to earn money, save money, and invest money into your rich life.


No more panicking if you have enough in your checking account to pay the bills — it’s my gift to you. This system took me 10 years to perfect and it’s being used by thousands of my students successfully.





So, let's see, what we have: have you ever read an article on how to make money online that ended up being a sales pitch? You were looking for real ways. Here are the real ways. At earn real money

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