Normally you’ll be asked to test a few websites by visiting them and to document and record your reactions and thoughts as you go through it. It’s really easy to get set up making extra money online by testing websites. All you need to do is sign up to the following services: UserTesting.com, Userlytics, TryMyUI, Userfeel, TestingTime (UK only), or Side Income Jobs.
P2P lending started in San Francisco with Lending Club in mid-2000. The idea of peer-to-peer lending is to disintermediate banks and help denied borrowers get loans at potentially lower rates compared to the rates of larger financial institutions. What was once a very nascent industry has now grown into a multi-billion dollar business with full regulation.

Here on Making Sense of Cents, I discuss how to make extra income, side hustles, side income, and how to make money online a decent amount. I believe that earning extra income can completely change your life in a positive way. A person can stop living paycheck to paycheck, they can pay off their debt, and more all by earning extra money and learning how to make extra money.
​Udemy is an online platform that lets its user take video courses on a wide array of subjects. Instead of being a consumer on Udemy you can instead be a producer, create your own video course, and allow users to purchase it. This is a fantastic option if you are highly knowledgeable in a specific subject matter. This can also be a great way to turn traditional tutoring into a passive income stream!

Haha, that is too funny. I wanted to make an app back in the day called “MyShares” (You can probably tell how I cam up with the name at the time). The idea was that I would loan out books and DVD’s and then would never get them back. Then I thought, how cool would it be if I could rent those items out and that would motivate people to bring them back. Obviously, books and DVD’s are cheap, so this isn’t the money maker. The idea that would probably make the most money would be things like tools, ATVs, etc.
Cashcrate.com is an excellent way to make money. You complete offers and take surveys and get payed for it. I read an article on it from a guy that has doing it for sometime now and he explained it as voluntarily signing up for spam and gave a whole layout of the best way to do it. and you can actually make decent money. Pretty much make a separate email for spam.
Webinars On Air is a powerful webinar tool that will enable you to create professional webinars for your viewers. Harnessing the power of Google Hangouts, this all in one solution will take care of all the technical aspects of hosting a webinar, including payments. Also have a look at our guide to the best webinar software, both free and paid options.
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.
If you have decent writing skills you can start a retainer writer business. Mastering your pitch will put you in a position where you can land awesome writing gigs. You can then complete the work yourself as you establish yourself in this space, and from there, the sky is the limit. Outsourcing is key to creating a passive income stream from this idea.
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.
But when so many turn down leasing one and one-half acre for one Wind Turbine for each 80 acres, that lease certainly does not materially affect the rest of the Farm or Ranch grazing pasture and the lease pays much more than the farm crow or grazing pasture lease, just because some lawyer said the lease was too long: 30 years plus 30 year option = 60 years, and the wind turbine company has selling production/electricity contracts for the next 150 years – which is needed to obtain financing!
Find a profitable niche: We’ve talked about this a lot. But, where are you most comfortable. What niche do your skills, values, and interests intersect? Do you have 10 years of experience as a technical writer? Do you have long-standing PR relationships that’ll be invaluable in helping startups launch a successful crowdfunding campaign? Determine what makes your value unique, and lean heavily on showcasing that strength to your potential clients.
If you’ve got a way with words and expertise in a niche, there are plenty of sites that will pay for articles and content you write. Think of the sites you read regularly. What can you contribute to them that would be interesting? Research your niche and then look for ways to pitch articles. Many sites will simply have a submission or contact link in the footer. To get started, check out my full guide to becoming a freelance writer on the side and then submit your articles to places like Instash, Listverse, TopTenz, A List Apart, International Living, FundsforWriters, and Textbroker.

CIT Bank offers an interest rate of 1.85% on money market accounts — more than 15x the national average. Just like with a checking or savings account, your money is FDIC secured, there are no monthly service fees, and you can access your funds any time. All you need is $100 to open an account and start earning more money on the cash you already have.


“The biggest surprise is real estate being second to last on my Passive Income Ranking List because I’ve written that real estate is my favorite investment class to build wealth. Real estate doesn’t stack up well against the other passive income sources due to the lack of liquidity and constant maintenance of tenants and property. The returns can be huge due to rising rental income AND principal over time, much like dividend investing. If you are a “proactive passive income earner” like myself, then real estate is great.”
For those with a large Twitter following, you can make money from your Tweets alone with Sponsored Tweets. You could be paid for sharing a business’s information, recommending restaurants or hotels, or tweeting pictures of you using or wearing products. As with all sponsored posts on social media, businesses will only be prepared to pay you to Tweet if you have a large following that you can influence. So work hard on building up a loyal fan base.

Writing an e-book is very popular among bloggers, as many have noted that “it's just a bunch of blog posts put together!” You will not only have to make an investment of time and energy to create the e-book, but market it correctly. However, if marketed correctly (through blogging affiliates in your niche, for example), you could have residual sales that last a very long time.


It’s not the sort of online money making opportunity that’s covered in glory, but everyone needs a set of eyes to make sure the numbers add up at the end of the year. Every business and most individuals need someone to help prepare tax returns, especially time or resource-strapped small business owners. The Income Tax School provides an array of training programs that'll certify you with tax prep in as little as 10 weeks, and once tax season rolls around you'll be able to charge an average of $229 per return as a freelance tax preparer with this side business idea, reports CNBC.
No matter how you earn your income, you may need to report it to the IRS at tax time, so keep good records and track expenses. And remember that you shouldn't let your part-time or gig work detract from any full-time or salaried position you already hold. Says Sullivan: "Make sure to be diligent with your time, so you are still able to do your full-time job while making deadlines for side hustles and freelance work."
Part of providing value is building trust. Don’t link to things that aren’t of good quality or people won’t trust your recommendations. The other part of making an audience is consistency. It matters less how often you post than how consistently. If you only have time to do one post a month, that post should come out on the same date and time each month.
Active income, on the other hand, involves earning money in exchange for a service. It could be a salary, an hourly wage, commissions, or tips. It’s essentially a trade of your time for a fixed dollar amount. Most people choose to live this way, and there’s nothing inherently wrong with that, as long as you understand that there will be a limit to how much money you can realistically earn.

Investing in real estate: Investing in real estate offers more passive income cash potential - but more risk - than investing in stocks or bonds. You'll need substantial amounts of cash to invest in buying a home -- it usually takes 20% down to land a good home mortgage loan. But history shows that home prices usually rise over time, so buying home a for $200,000 and selling it for $250,000 over a five-year time period, for example, is a reasonable expectation when investing in real estate.

Writing an eBook and selling it on your blog can be a great money maker. Your eBook should be directly relevant to your blog’s content so you can sell your book to your existing audience. Creating a recipe eBook for a food blog or an eBook full of training plans to complement your fitness site are just a couple of examples that have the potential to sell.
You can work as a virtual assistant through dedicated websites, such as Upwork or Zirtual. All kinds of skills are needed, and compensation can vary anywhere between $10 per hour to $100 or more. Obviously, the higher pay will be to people who have more technical skills, such as web building skills and marketing. But you can find work doing administrative tasks at the lower end of the pay scale.

The Ibotta app gives you cash back on the groceries you already buy. Some deals are brand specific, while others give you cash just for purchasing a certain type of item, like a loaf of bread from any brand. Choose your deals before you check out, then submit a picture of your receipt and get paid via Venmo, PayPal, or gift cards. Sign up with Ibotta to claim your $10 welcome bonus.


Try Uber EATS or DoorDash. Uber EATS offers part-time work that’s similar to driving for Uber or Lyft. Instead of picking up passengers, however, you will pick up food orders and deliver them in your area. Pay works similarly, letting you earn a per-job rate plus tips. Door Dash works similarly, letting consumers order food from restaurants and connecting drivers to pick up and drop off their meals.
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Software is one of the most lucrative passive income streams but most online entrepreneurs shy away from it, mainly because of the technical aspect that is involved. The truth is that you don't need programming skills to build a software; the whole process can be outsourced fairly easily. You do need to know how to pick a good developer and, of course, have a winning idea that customers are willing to pay for.
I've got a $185,000 CD generating 3% interest coming due. Although the return is low, it's guaranteed. The CD gave me the confidence to invest more aggressively in risk over the years. My online interest income has come down since I aggressively deployed some capital at the beginning of the year and again during the February market correction. You'll see these figures in my quarterly investment-income update.
I have tried to sign up & complete cash for surveys in the past and then felt like I was being led down a rabitt’s hole, going from one “skip” and/or “submit” to another without ever, seemingly, actually completing the entire process.  So, when I saw CashCrate recommended in ptmoney.com, I thought it was going to be more straight forward, but, alas, no, I entered the rabitt’s hole once again, coming up for air only after an entire hour spent hopping, skipping, and jumpring all over the place, netting 25 cents in earnings!  Has this been anyone else’s experience and what has been done to remedy the situation?  It seems like there must exist an insider’s trick or, at least, know-how that I am missing. 
If you're an expert in your field, you can generate income by answering people’s questions online. Just Answer.com, for instance, allows you to join their team of experts and serve a customer base of more than 20 million people. If you’re a travel expert, check out flightfox.com. They have great reviews and positive commentary pretty much everywhere.
Then once you’ve got your domain name and hosting sorted out, it’s time to pick a CMS, or Content Management System, that will let you update pages, build your blog and integrate with all the other services you need. It’s hard to go wrong with WordPress—the CMS powering close to a quarter of the internet. Keep in mind that eventually as you start growing traffic to your blog, you'll be wise to invest in a managed WordPress hosting plan from a company with great service like Kinsta, where all of the settings are custom-tailored and optimized to work particularly well with WordPress-powered websites.
Nobody gets early FI investing in bonds, CD’s, or even stocks unless they make a huge income or are extremely frugal or a combination of both. Paper assets just don’t provide enough returns. Business income can be great but it is typically not as semi-passive as I would like and there is a relatively high failure rate. That is if you can monetize an ideal to begin with. RE investing needs to be higher ranked IMO as a way that the “average guy” can become FI.
Try Uber EATS or DoorDash. Uber EATS offers part-time work that’s similar to driving for Uber or Lyft. Instead of picking up passengers, however, you will pick up food orders and deliver them in your area. Pay works similarly, letting you earn a per-job rate plus tips. Door Dash works similarly, letting consumers order food from restaurants and connecting drivers to pick up and drop off their meals.

If you are a creative type, then you could make money online by designing and selling crafty products on Etsy. Etsy sells a range of beautiful and original items from independent suppliers. Categories range from jewelry, clothes, and accessories, to art, collectibles, and vintage. So if you have some stunning crafty creations, Etsy is the perfect platform from which to sell from.


Hey!, I’m just putting some feelers out there to see if there’s anyone interested in making a pretty substantial amount of cash in a short amount of time. Only thing this requires is that you have an active bank account or credit card in the US. No cash is required up front to start. Which means your account can be on a zero balance and that’s completely fine. There are different money deals that suit just what you want, contact 44royaltom@gmail.com
Learn then selling guidelines. Each marketplace has guidelines that define what you can and cannot sell. State and federal laws also impact what items are prohibited. In general, you cannot sell alcohol, weapons, service contracts, animals or event tickets. Also, while not always prohibited, you may find restrictions on how you can sell items in some categories, such as art, gift cards and coupons.[27] eBay, Craigslist and Amazon publish these guidelines on their websites.
The appeal of these passive income sources is that you can diversify across many small investments, rather than in a handful of large ones. When you invest directly in real estate, you have to commit a lot of capital to individual projects. When you invest in these crowdfunded investments, you can spread your money across many uncorrelated real estate ventures so individual investments don't cause significant issues.
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.

I watched an episode of Shark Tank once where I was introduced to Major Robert Dyer. Major Dyer was pitching a new energy drink called The Ruck Pack Energy Drink. It’s not like the world needs another energy drink, but he was able to convince both Kevin O’Leary and Robert Herjevic, two of the investors on the show, to give him $150k in exchange for 20 percent of the company.
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.
No matter how you earn your income, you may need to report it to the IRS at tax time, so keep good records and track expenses. And remember that you shouldn't let your part-time or gig work detract from any full-time or salaried position you already hold. Says Sullivan: "Make sure to be diligent with your time, so you are still able to do your full-time job while making deadlines for side hustles and freelance work."
Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

Working as a freelancer is a great way to make money online from the comfort of your own home. The beauty of freelancing is that you can tailor it to suit your needs. You can freelance for a couple of hours a week in the evenings to help save up for a holiday or some much-needed home improvements. Or carve out a full-time job for yourself, giving you a more satisfying work-life balance and enabling you to do the simpler things in life like taking the kids to school. With so many jobs available online, freelancing is becoming more and more popular.
I have already come up with 50 ways that a management company can screw you for profit without you ever knowing(or not finding out for awhile). Did you have an inspection before you made an offer on the property? Do you have a picture of the property you bought? How do you know if that picture shows the house you actually own? or if it even hows the ‘current’ state of the house you own?
Many people choose not to take this route because they get intimidated by complex applications and technology. The truth, however, is that you don’t need a fancy platform or special software to create a powerful online course. Your lessons can be sent out as emails, followed by action plans and/or video tutorials. This approach can be even more effective as most people check their email on daily basis. In fact, that’s the exact approach I took with some of my freedom eCourses.

 @Philip Taylor The point is that this is design is specialized job and is not just a side job. Just because an individual may know a thing or two about the technical aspect of a program does not warrant them to fill that role as a designer. There’s more than just drawing a mark in a program. There’s strategy in brand development, marketing, etc… This is insulting to the creative industry to label logo and branding as a scheme to make extra money.


You don’t have to invest individually to take advantage of dividend paying stocks (i.e. investing in an ETF like DVY, which currently has a 3.16% dividend yield – almost 4%). And while your math is indeed correct, there is more to dividend paying stocks that just the math. The reason the companies pay dividends is typically because of their underlying strength, steady growth, etc. These companies can be good investments for the long run. As such, it might not make sense to sell.

One of the most beautiful and exciting qualities about blogging is that you can create a blog that deals with any subject area that you are either knowledgeable or passionate about (and preferably both!). You can write about personal finance, careers, real estate, getting into business, technology, cooking, travel, personal health, or just about any topic you choose.


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.
This isn’t to scare you off. I simply want you to know that this guide is going to focus solely on ways to make real, sustainable extra income online. Not just a few bucks. I want to share all the mistakes I've made that got me to where I am now so that you don’t have to go through them, and can build a successful online source of income for yourself.
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