Thanks for writing this Mr. Samurai. I just got over the student loan hump but I feel pretty good about it at 27 having a graduate degree and being 100% debt free. Now that I’m on the other side it is good for my brain to absorb some of your knowledge regarding passive income investments. I love gleaning wisdom from older folks who have been there and done that. Mentors rock!
Get paid to shop and share your experience. In short, stores or restaurants hire people to evaluate their services to ensure quality. Obviously, social media can impact a brand when a customer isn’t taken care of well. Mystery shoppers help prevent this from happening. As a mystery shopper, you’re compensated to provide impartial feedback about products and services. Your feedback may very well prevent the next social media rant. We’ve devoted an entire article to Mystery Shopping that you can read about here.
Walk around your neighborhood or town and I’m sure you’ll see tons of great local businesses with terrible design. However, with increasingly easy-to-use tools like Adobe Illustrator, Venngage, Stencil, and Visme, just about anyone with a creative mindset and a good amount of motivation can start making money online by being a graphic designer for local companies.

Do you enjoy fast food or going into retail shops? Many companies hire mystery shoppers to test the customer service of their stores. A common one is Subway, which hires mystery shoppers to ensure that "Sandwich Artists" are following all the franchise guidelines. If you have time and can travel to different places, this could be a good side hustle.
If you have graphic design skills then you could make money online by creating and selling your own design elements, like templates, fonts, graphics, and other assets. This is a great way to earn extra money and build up a portfolio of work, which could lead to you picking up freelance graphic design jobs. Websites like Envato Elements pay you a fee per element sold, which can become quite profitable if your work is popular.

If you love animals and live in an urban area then walking dog is a viable side hustle idea. People are busy going to work each day and are forced to leave their animals stuck in the house. This is not good for the dog or the owner. Not only because dogs get lonely and need to be around people, but also because they deserve fresh air and the chance to go to the bathroom outside! Offering to walk a group of dogs once or twice a day can really rake in some extra money. You could create signs and hang them up around libraries and churches, or perhaps take the modern approach and sign up with Rover. Rover is an increasingly popular marketplace that connects dog owners to dog walkers in their neighborhood. Check out Rover today.
Very true great article wanted to ask you if I could reach out to you through email about a great way to save money and make money off bills you already pay I am trying to network and help people out and reach out to people who are like minded so I don’t waste any time for anyone look forward to hearing from you. You can reach me at Fsheehy10@gmail.com and we can speak further thanks again.

Investing in bonds: Similarly, bonds are an attractive way to engage in passive income. Over a recent 45-year period, bonds funds, as measured by Vanguard Funds, returned 7.1%. Of course, there's no guarantee that investments in stocks or bonds will always work out well, investing in them is by far the surest way to generate money through passive income.

The stuff you can't sell online, you could sell from your garage on the weekends. Many neighborhoods plan annual or bi-annual yard sales. If you have items to sell, this is a great time to do it as the neighborhood as a whole can bring in a lot of traffic and help you perform better than you would on your own. If that's not possible, consider partnering up with a couple of families in a popular neighborhood.
One way that people have been earning money online recently is going to your local stores and hitting the clearance section.  Buy up a shopping cart full of stuff and then mail it to Amazon FBA (fulfilled by Amazon).  Amazon then sells the items and mails them for you, and pays you your cut.  There is even a really cool app for your phone that you can use in the store to scan the barcode and see how much money you could make selling it on Amazon, even including your shipping costs.
In today’s world, everyone is looking for data.  Companies are spending a fortune to learn what things matter to consumers and what things don’t.  The benefits of this “big data” enlightenment are numerous.  Companies can now design products that meet your needs better than ever before.  Hotel chains are designing hotels with your preferences in mind so you don’t have to pay for features you don’t care about.  One big benefit for you is that research companies are dying to know what you think, and they’re wiling to pay you to find out.
In 2017, I ended up deploying roughly $611,000 into stocks and $604,327 into municipal bonds. The stock allocation should boost dividend income by about $12,500 a year, and the municipal-bond portion should boost income by about $18,000 a year after tax ($26,000 pre-tax). Therefore, total passive income gets an about $38,500 lift, which recovers over half of my $60,000 loss from selling the house.

But cutting costs only goes so far. Unless you already make a lot of money and spend like a bon vivant, most people can’t eke out that much more from their budget by decreasing expenses. Plus, the more you retrench, the more your quality of life suffers. (It’s all relative, though — certainly some overspenders could actually improve their lives by tempering their expenditures. Here are 101 ideas for saving money.)
Parlay your math, science, foreign-language or test-prep expertise into a lucrative side gig by becoming a private tutor. You can tutor people online or in-person. What you charge can depend on your experience, expertise and what’s in demand. To get started, see what types of tutors are needed on Craigslist, or create a profile on sites like Tutor.com or Care.com. You can also advertise your services at local schools and community centers.

Shopify is another great option if you are wanting to create your own eCommerce store. Shopify is arguably easier to set up than WooCommerce but will give you less control over your storefront and cost you more long term. However, if you have little to no experience of creating websites or using WordPress, or you are working to a very tight time schedule, then Shopify may be the perfect eCommerce platform for you.

I have a total of three CDs left. There is no way in hell I’m selling them after holding them for 4+ years so far to take the penalty. The CDs are for 7 years. That would be completely counterproductive. As a result, I feel very stuck with ever getting my CD money back if I wanted to. If the CDs were for just 1 or 2 years, I agree, it doesn’t matter as much. But combine a 7 year term with 4%+ interest is too painful to give up.

If you’re willing to take on some risk and have the heart of a true hustler, you can make extra money online doing commission-only sales for startups and other businesses. While you won’t be getting a regular salary, with the right sales strategies and skills as an inside sales rep, you can make decent money for each sale you bring in. And because you’ll most likely be working with startups, if you can negotiate a little equity you could profit big time if you're pitching a solid product and the startup succeeds.
 Of course, I appreciate your response to my grousing and since I’m in my 2nd half of life, I know fully well that any new endeavor requires patience.  It is not being excited about the prospect of making money; it is the frustration of being led down numerous rabitt holes.  Instead of a straight forward survey, one just seems to spawn countless other questionaires. 

If you live near a university, there are likely all sorts of research studies looking for participants. While I was an undergrad at Virginia Tech, I got paid $500 to participate in a 6-week dietary study. The study provided all my meals and paid me, but I had to eat a 5,000 calorie diet of 50% fat for 6 weeks, plus I had multiple muscle biopsies, urine/blood testing, etc.
 Thanks for your response Phil.  I see where you’re coming from with regards to sensitivity.  It DOES seem, however, that truth and clarity can be expressed with so much more civility in this world of ours where so little of that seems to exist these days.  Truth and clarity expressed elegantly and with civility will always be better received and, hence, achieve better and longer lasting results, than when expressed brashly or without regard for the experience and perspective of those who may see things a little differently.      
What a huge, great list of ideas – bookmarked this as I know I’ll be coming back to go over it again and again. Here’s another item that could have made the list. I found a financial directory that’s useful for info on making money online. It’s http://money.madbeetech.com. What I like about it is that each directory listing includes ebooks and videos that can be instantly downloaded. All sorts of stuff for people who have their own website, and people who don’t (but still want to make money online).
Often, what happens is that we run into unscrupulous Internet Marketers (IMs) who have less-than altruistic intentions of extracting money from you rather than helping you to make it. However, this isn't something new. People have been falling for networking marketing, pyramid schemes, and affiliate marketing scams since before the start of the net.
This is an ideal strategy if you live in an area where real estate prices are too high to realistically invest in, or you don’t want the hassle and expense of traveling all over the country visiting potential properties. Plus, if you are new to single-family real estate investing, letting a place like Roofstock guide you through the process is a great way to get your feet wet.
If it’s not clear yet, information and expertise are two of the most consistent and lucrative ways to make extra money online. If you don’t like talking on the phone, you can sign up to get paid to answer professional questions on JustAnswer. There are thousands of questions being asked every month from people looking for help from lawyers, doctors, mechanics, vets, and more. To apply, you’ll need to supply your professional verification, resume, and a form of identification.
I prefer assets that make me a high return for the lowest amount of work possible (semi-passive involvement). And assets that pay me in several unique ways. Cash flow is only one way RE makes money for me. I also get principal reductions, appreciation, tax advantages (depreciation), and I control the rental increases on a yearly basis. Plus a majority of the capital is provided by the secondary market on 30 year fixed low interest rate debt.
If you have a knack for a certain subject and live near a college, consider offering up your brain power and teaching skills for some quick cash. Grade school kids need help too, and parents pay better than college students. You can take this idea to the next level and scale by tutoring online. We have an interview post dedicated to a chemistry tutor who took his skills to Tutor.com.  To be successful, you have to have a good grasp of the concepts but also be able to find a way to relate topics using real-world examples.
While we all have some extra time, it often doesn't feel like it. But it also doesn't take too much effort to make some extra dough on the side. We're not talking about millions upon millions here -- we're mostly talking about doing small, bite-sized projects to generate some fast cash. And depending on your skill set, you could easily make a few hundred dollars or even a few extra thousand per month. 

With Shopkick, there’s no purchase necessary to earn cash back. In order to make money with Shopkick, all you have to do is download the app, enable your location services, and start earning kicks. You’ll earn points just by walking into a store, and even more points for scanning items or making a purchase. Payout comes in the form of gift cards to your favorite stores, including Walmart, Target, Sephora, and Starbucks to name a few.


If you have nice items like cameras and other A/V items, musical instruments, drones, and even toys and other children's items, you can list it online for rent. One of the best places to do this is a funky site called Fat Llama. People are reporting to have made over $1,000 renting out equipment on this platform. Plus, if you sign up using this link, Fat Llama will give you a $20 credit! Get $20 credit with Fat Llama.
Dividend investing is right up there for sure. You don’t have to charge $48. You can charge <$10 to boost sales. The internet has enabled so many creatives to publish their works at a low cost. People will surprise themselves if they try to create like when they were in school. The other reason why I have Creating Products edging out dividends is because of the much higher POTENTIAL to make a lot more money. For example, $20,000 a year in book sales requires $570,000 in dividend investments to replicate the same amount. Plus, there is capital risk. With book sales, there is a correlation with EFFORT, and you are not beholden to the whims of the markets.
If you are a fast reader and have a good grasp of grammar and language then editing may be a good freelance role for you. Editing is a great way to quickly make money online, and there are always editing jobs available on freelance job sites. And the best part? Editor’s usually get paid per word, so the faster you can check through work the more money you will make per hour.
Track Your Wealth For Free: If you do nothing else, at the very least, sign up for Personal Capital’s free financial tools so you can track your net worth, analyze your investment portfolios for excessive fees, and run your financials through their fantastic Retirement Planning Calculator. Those who are on top of their finances build much greater wealth longer term than those who don’t. I’ve used Personal Capital since 2012. It’s the best free financial app out there to manage your money.
Daily Surveys can be taken one or more times per day. This is indicated in the survey description. Other targeted surveys can be taken as you see them. Be sure to complete these when you see them. Some surveys may accept a limited number of responses from people matching your demographics, and can sometimes disappear quickly. New surveys come out all the time too!
The first step is to get your domain. For the loooongest time ever, my blog was known as senseofcents.blogspot.com. I finally bought www.makingsenseofcents.com and haven’t looked back since. I don’t think anyone has ever said “I regret buying my domain and looking more professional.” If you sign up using my Bluehost link, then you will receive your domain for free.

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.


One of the cool things about Google AdSense is that it's so easy to get set up. If you have a blog or website, you can sign up for a free Google AdSense Account. From there, Google will give you a unique code that you will paste onto your website. Google takes it from there, tracking your page views, traffic, and earnings on your behalf. There is no upkeep or maintenance to get this thing going, which makes it a no-brainer if you have a website already.
Being an online freelance writer is one type of skill that you can use to make money online. But there are a wide variety of other skills that can be used in a similar manner. Every website and blog on the Internet needs technical skills. This can include graphic design, web design, search engine optimization, social media marketing and promotion, content editing, and so much more.
There is no job too small when it comes to earning to save more or pay off debt and a paper route is about as basic of an extra money job as you can get. Yep, people are still buying newspapers these days. Nothing like a nice clean, crisp paper with a good cup of coffee to start your day. This job will likely take up your early morning hours. You can also search for a paper that only comes out once a week if you want to work less. The bottom line is that a paper route is still a valid way to make extra money and I’d be remiss to leave it off this list.
I started out earning a side income with photography.  All I did was build up a portfolio taking pictures of models (usually good-looking friends and family members who modeled for me) and then I started a cheap website on Squarespace to list my photography services.  The phone didn’t ring often, but I got a few gigs each year ranging from $100 to $2,000 to shoot weddings, engagement photos, senior pictures, corporate events, etc.

Travel blogging is a hard industry to break into. However, the rewards can be worth it, and let’s face it, who doesn’t want to be paid for traveling around the world! There are numerous ways to monetize a travel blog, but affiliate marketing should predominantly be your focus. On your blog, promote hotels, tours, equipment hire services, flights, and anything else travel related. Then take a cut of the proceeds as your audience books their holidays based on your recommendations.
For sure! I think that’s something Jeff and I have learned rather quickly is to definitely not put all your eggs in one basket. We had 1-2 affiliates that we promoted for the longest time that were by and large our main sources of income. We realized that if we lost even 1 of those affiliates we would be in for a huge world of hurt when it came to our monthly intake.
Many new users prefer to start off with the 100% Free Offers, which is what we usually recommend. These offers are great for beginners because nothing is required other than several minutes of your time. The payouts on these offers are lower, but you're not paying a dime to complete them and they'll get you use to the CashCrate system. After you've started making money online with our free offers, you can always move on to trial offers and increase your earnings.
They often expect you to commit to working a certain number of hours per week, which is generally part-time. They will pay you an hourly salary for that work, so it is really more of an at home job situation than it is in an entrepreneurial way to make money online. Still, if you want to get involved in political activity, and you have the time and motivation, this could be a way to monetize that passion.

Since David may never be coming back to this site, If anyone other than David can point me in the right direction, Id greatly appreciate it. I live in Chicago, and I need to buy a quality rental to hold long term somewhere but I have no idea where, and I really don’t want to buy in Chicago. Chicago is insanely corrupt and in HUGE debt. I cant leave Chicago in the near term, I take care of an aging parent, and if I left, my salary would drop by 50%. Id still like to diversify into a rental property.. but I feel that if I just call up a stranger, they’d attempt to sell me their best pig with lipstick, and pressure me to jump on the deal before someone else ‘stole’ it. I have no problem hiring a property inspector from a different city, but don’t want to waste hundreds of dollars if the agent is steering us towards crap property after crap property. I’m looking for broad advice. Any constructive reply appreciated. Thanks guys.
Set up the site. Choose a website building platform, such as WordPress, Joomla or Drupal. Next, choose a domain name and web hosting for your site. The domain name is your web address. Web hosting is a service that connects your site to the internet. Once you have your domain name and web hosting, go to the control panel of your hosting account and install your website platform. Design your website by choosing and installing a theme.[9]
Make Money Proofreading By Becoming A Freelance Proofreader: In 2014, Caitlin made slightly over $43,000 by being a freelance proofreader, while also going on several fun vacations. Caitlin also has a great FREE 7 day course just for people who want to stop wasting time and start making more money with their proofreading skills. I definitely recommend that you check it out.
Affiliate marketing presents a very low friction entry into selling products online. While you do need some type of audience to sell these products or services to, you could make a significant amount of money from home while doing it. Some products or services have very high earnings per click. That means, if you play your cards right, you could easily make a large profit on conversions by driving traffic to specific offers as long as you target the right interests.
Airbnb is a concept that has only been around for a few years, but it has exploded around the globe. Airbnb allows people to travel all around the world and to stay in accommodations that are a lot less expensive than traditional hotels. They do this by staying with participating Airbnb members who rent out part of their homes to travelers. By participating in Airbnb, you can use your residence to accommodate guests and earn extra money just for renting out space in your home.
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With drop shipping, you’re effectively partnering with a manufacturer or wholesaler to sell their products. This way, you don’t pay upfront costs to buy inventory, aren’t sitting on unsold items taking up expensive warehouse space, and don’t have to deal with shipping the products yourself. You simply create your site, fill it with drop shippable products, and drive in customers, with almost everything else done for you.
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