How to Make Money When You Have None: 85 Effective Strategies


Last Updated on March 18, 2024 by Katie


Exploring how to make money when you have none may seem challenging, but there are various simple ways to turn your situation around. 

Whether it’s online opportunities part-time gigs, or fully remote jobs, you can find avenues to earn money despite not having any to start with.

These methods range from leveraging your existing skillsets to tapping into digital platforms designed for monetizing creative content or services.


As you explore these options, remember that persistence and creativity are your allies in overcoming the absence of start-up funds. 

Each method requires various levels of commitment and offers different potential earnings, but with a little persistence, you can earn real money and dig yourself out of a poor financial situation.


To help you out, I’ve divided the how to make money when you have none ideas into the following categories:

  • Freelancing
  • Passive income
  • Remote jobs
  • Online business ideas
  • Gig economy jobs
  • Side hustles

All are ways to make extra money, but require different levels of commitment and time.

By dividing them up, you can save time and scroll straight to the easiest ways to make money for your own needs!


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How to Make Money When You Have None: Freelancing

Freelancing is one of the best ways to earn income when you have none, leveraging skills that might otherwise go unnoticed in a traditional job market.

And, if you feel like you have no skills, there are plenty of free courses online to learn what you need to know.

You can even make money on Fiverr with no skills!

Below, you’ll find various freelancing opportunities that cater to different talents and interests.


1. Freelance Writing

As a freelance writer, you produce content for clients ranging from blog articles to eBooks.

While it helps to have special skills such as being a proficient writer and editor, you can learn how to become a freelance writer with no experience pretty quickly.

Begin by showcasing your writing skills on a personal blog or platform like Medium.

Market yourself by creating a compelling writing portfolio and engaging on social media or content creation sites.

Payment can vary widely, typically starting at a few cents per word for beginners and increasing with experience and expertise, but you can learn what a freelance writer should charge here.

​Read more:


2. Virtual Assistance

Virtual Assistants (VAs) offer administrative support remotely to small and large businesses and this type of work is a great way to earn extra cash when you need it.

The work is generally entry level and you can set your own schedule to work when you have the free time.

To start, determine the services you can offer, such as email management or scheduling, and set up a profile on platforms like Upwork or Freelancer.

Rates for VAs can start around $15 an hour and increase based on your skillset and experience.

Check out these virtual assistant jobs hiring today.


3. Proofreading

Proofreaders meticulously review content for errors before publication and the work can be done from the comfort of your own home.

If this type of work is new to you, you can learn the business quick in this guide on how to become a proofreader with no experience.

Begin by gaining familiarity with style guides like AP or Chicago Manual.

Proofreading gigs can often be found on job boards or freelance websites, with payments typically charged per word or per hour, which can start around $10 – $20 per hour for new proofreaders.

Check out these proofreading jobs no experience required.


4. Become a Music Ghostwriter

Music ghostwriters create compositions for other artists discreetly.

Start by building a portfolio of your work and networking with industry professionals.

Income is variable and typically negotiated per project, but it can be lucrative depending on the complexity and notoriety of the client.

Learn more in this ultimate guide on how to become a music ghostwriter.


5. Transcription

Transcription involves converting audio files into written text and there are opportunities to work in different sectors such as general transcription, medical transcription, legal transcription and business transcription.

Take a look at this ultimate guide on how to become a general transcriptionist.

Begin by practicing your typing skills and familiarizing yourself with industry jargon and make sure you have the essential tools such as headphones, a laptop, a good internet connection and transcription software.

You can find transcription jobs on various websites that often pay per audio minute transcribed, with starting rates at around $0.60 per minute for beginners.

Read about the best remote transcription jobs for beginners.



6. Get Paid to Draw Online

If you have artistic skills, you can sell your illustrations or accept commissions online.

Start by setting up an online portfolio on platforms like Instagram or DeviantArt and check out these other get paid to draw online sites.

Compensation depends on your style and client base, with some artists starting at $50 per commission.


7. Voice Over Artist

Voice Over Artists provide the voice for media such as commercials, audiobooks, trailers or video games.

Begin by creating a demo reel and join voice-acting networks to land your first gigs.

Initial rates for voice-over work can start around $100 for a short project and go up for longer or more complex jobs.

Learn the exact steps on how to start a voice over career in our in-depth guide.


8. Online English Teacher

Anyone can teach English online with no experience to non-native speakers, even without a degree or teaching qualifications.

However, if you have an online course certification, such as TEFL, you can earn a higher rate for tutoring services.

Platforms like VIPKid or iTalki are good starting points, and pay varies with experience, starting at around $10-20 per hour.


9. Freelance Translator

Translators convert written material from one language to another including website translation, book translation and document translation.

You’ll need proficiency in your target languages and can start by offering services on translation-specific platforms such as Unbabel and OneHourTranslation.

Rates are typically per word, with some platforms offering $0.10 per word for beginners.

If you have language skills, learn more about how to become a freelance translator from home.


10. Instagram Influencer

As an Instagram Influencer, you create content to engage followers and attract sponsorships.

Start by choosing a niche and growing your audience organically. Once you have over 1,000 followers, you can reach out to secure influencer partnerships with brands you know and love.

Earnings are highly variable and depend on the size and engagement level of your audience but you can expect to earn $100 per post on the lower end and up to thousands of pounds per sponsored post.

Not got many followers? Learn how to make money on Instagram with 500 followers.

instagram influencer


11. Graphic Designer

Graphic Designers create visual content for clients that may include blog graphics, logos, marketing materials and business cards.

Strong knowledge of design software like Adobe Creative Suite is necessary and you must have excellent creative skills and communication skills, to listen to a client and bring their idea to life.

Start freelance work by building a portfolio and searching for work on job boards such as Dribbble and TheDesignKids.

Pay varies widely according to the job and experience, but expect to earn between $25 – $50 an hour.


12. Accountant

Freelance accountants provide financial services like bookkeeping, tax prep, running payroll,generating invoices and making payments.

You’ll need relevant qualifications and knowledge of accounting software to get paid freelance accounting work.

Jobs are found through networking and online platforms, and rates often start around $30 per hour for entry-level freelance accountants.


13. Website Designer

Website Designers build and design websites for clients and are involved in the technical and graphical aspects of website building.

You need to learn web design frameworks, how to use different tools and you can learn how to code for free at the Code camp.

Clients can be sourced from freelance job websites, and you might start at a rate of around $1,000 for a simple website project.


14. Video Editor

Video Editors turn raw footage into polished content for clients according to their needs and audience.

To start, develop editing skills using software like Final Cut or Premiere Pro and get experience under your belt by editing your own YouTube videos for free.

Pay can vary depending on the project’s complexity, with rates beginning at $20 per hour for novice editors.


15. Social Media Manager

Social Media Managers create, post and analyze content for platforms like Facebook, Twitter, and Instagram.

Start by understanding each platform’s best practices and analytics tools and experiment by building up your own social media accounts.

Prospective employers will want to see that you have success in managing and building up audiences for different social platforms.

Compensation usually starts at $15 per hour and can increase with experience and the scale of the project.

How to Make Money When You Have None: Passive Income

Passive income offers a way for you to earn money with minimal ongoing effort.

The passive income streams detailed below, require you to spend time in the beginning to get things started, but after a while, money will flow in even when you sleep!

Embrace the following methods to establish income streams that can grow over time even if your current financial resources are limited.


16. Write eBooks

Writing eBooks is an excellent side hustle that can bring in good money over time.

You can write and publish eBooks on platforms such as Amazon’s Kindle Direct Publishing.

Choose a niche you’re knowledgeable about, write compelling content, and format your eBook for digital publication.

Royalties can range from 35% to 70% of sales, depending on the price and platform with successful writers earning from a few hundred to several thousand dollars per month.

Check out this beginner guide for writing eBooks for passive income.


17. Affiliate Marketing

Affiliate marketing involves promoting products and earning a commission for sales made through your referral.

Sign up for programs like Amazon Associates, ShareASale, or ClickBank, then integrate links within your content.

This can yield earnings from a few dollars to substantial amounts, with more traffic and engagement leading to greater potential earnings.

And, the great thing about this passive income stream is that you can start affiliate marketing with no money.

Learn more in these beginner guides:


18. Create and sell Online Courses

When searching how to make money when you have none, another great idea is to make passive income selling courses online.

Platforms such as Udemy or Teachable allow you to create and sell courses on subjects you’re expert in.

Course creation involves planning, recording, and uploading content and this can be done in your spare time, with little experience.

Revenue typically comes from course sales, and instructors can earn a few hundred to thousands of dollars per course, depending on the topic’s demand and marketing efforts.


19. Start a Blog

Starting a blog on WordPress or Blogger with a focus on a specific niche can generate income through ads, sponsored content, and affiliate links.

However, this type of passive income does need an audience, so you’ll have to spend time writing great blog posts and driving traffic to your site.

It may take time to grow, but successful blogs can earn from $100 and up to $10,000+ a month.

Learn more about how to make money blogging in our detailed guide.


20. Become a Podcaster

Launch a podcast and monetize through sponsorships, listener donations, or affiliate marketing.

Podcast hosting platforms like Anchor or Podbean can assist with distribution and as your audience grows, potential earnings can range widely based on listenership and sponsorship deals.



21. Start a YouTube Channel

If you create a YouTube channel focused on a topic you’re passionate about, it can be monetised through ads, sponsorships, and merchandise once you meet YouTube’s requirements.

In the first 6 months, focus on building your channel and posting great videos on a regular schedule each week.

Channels can earn anywhere from a few dollars to several thousand each month, depending on viewership and content strategy.


22. Click Ads and Watch Videos

​Yes, you can get paid to click ads and watch commercials in your spare time!

Sites like Swagbucks or InboxDollars offer you a way to earn small amounts of money by watching advertisements or videos.

Earnings are minimal but provide an easy way to make some passive income with little effort.

Learn ore about how to make money watching videos in our detailed guide.


23. Investing in the Stock Market

Investing in stocks, bonds, or dividend-paying assets can generate passive income without much effort.

Consider using brokerages like Vanguard or Fidelity that often have a experienced team to guide you with investments if you’re a beginner.

Returns will vary based on market conditions, but investing can yield annual returns that typically range from 2% to 10%.


24. Open High-Interest Savings Accounts

A high-interest savings account provides a way to earn free money through interest accrual.

Online banks often offer higher rates than traditional ones so it pays to research what different financial products have to offer.

Choose one that aligns with your financial goals and expect to earn around 0.5% to 1.5% APY on your saved balance.


25. Take Part in Sleep Studies

Participating in sleep studies through organizations like local universities or medical facilities is an easy way to earn extra income doing what you do already!

You will often have to travel to a facility for the study and you may be asked to fill out a survey, complete a personal health tracking form and take part in a group discussion about your experience.

Compensation varies, but you may earn from $100 to several hundred dollars per study, or you may be offered gift cards.

How to Make Money When You Have None: Remote Jobs

In the current job market, remote work offers a convenient way to earn an income when you’re starting from scratch.

These jobs can be done from the comfort of your home and often require no initial investment to start earning.


26. Chat Moderator

As a chat moderator, you will manage online communities and ensure conversations remain respectful.

To start, search for online platforms or companies that need moderators in this article detailing the best chat moderator jobs hiring today.

Your tasks include moderating forums, social media groups, or chat rooms, and you might need good typing and communication skills.

Pay typically ranges from $10 to $20 per hour, depending on the complexity of the discussions and the platform.


27. Data Entry Clerk

Data entry involves inputting information into databases or systems and there are many data entry sites for beginners to find paid work.

No special training is needed, but efficient keyboarding skills and attention to detail are essential.

Jobs in this field often pay by the project or at an hourly rate, with average earnings of $10 to $15 per hour.


28. Customer Service

Customer service roles involve assisting customers with inquiries or issues.

While some customer service roles pay you to make phone calls, others need reps to help people via text, instant messenger and email.

Start with companies that offer remote customer service positions. You’ll need a quiet work environment, and possibly a headset.

The average pay for a remote customer service representative is usually around $12 to $20 per hour.


29. Home-Based Travel Agent

Working as a home-based travel agent requires you to help clients plan and book their travels.

The work may include booking flights, planning vacations, organizing activities and finding discounts for travel.

Start by affiliating with travel agencies that offer remote positions, or consider starting your own business.

Knowledge of travel software and destinations is essential and you will need great communication and research skills.

Compensation varies, with some agents earning a commission-based income that can average $30,000 to $40,000 annually.

Check out these top companies to find home-based travel agent jobs.


30. Search Engine Evaluator

If you spend lots of time online, why not earn money browsing the web?

This job entails assessing search engine results for relevance and quality and tracking human behaviour on the web.

Find these positions through companies that specialize in search optimization. You’ll need excellent analytical skills and a good understanding of various cultures and internet trends.

Payment for search engine evaluators is typically around $12 to $15 per hour.

woman searching internet on omputer


31. Pinterest Manager

If you have a knack for creating engaging content and love hanging around on Pinterest, consider becoming a Pinterest manager.

To get started, offer your services to bloggers, brands, or small businesses that want to improve their presence on Pinterest and you can make a lot of money if you know how to boost traffic.

Tasks include creating pins, organizing boards, and analyzing traffic data and you can work with multiple clients at a time.

Pay can vary but starts at around $15 per hour and can go higher based on your expertise.


32. Website Tester

To answer the question ‘‘how to make money when you have none” finding work as a website tester is a great pace to start.

Website testing requires you to provide feedback on the usability and functionality of websites.

Platforms like allow you to sign up and test websites for money, even as a beginner.

Jobs usually require the tester to navigate to a website and perform certain tasks such as finding information.

You’ll be asked to talk through your experience so the website owner gets information about where improvements need to be made on their site.

Compensation is usually given per test, and you can expect to earn $10 to $20 for each one, depending on its length and complexity.


33. Product Tester

As a product tester, you’ll receive items to test and provide feedback on their performance.

Companies offer these roles to get consumer insights before products hit the market.

Compensation can be in the form of free products, cash, or both, and varies by the value of the product and the detail required in your review.

Check out these product tester jobs from home no experience.


34. Tech Support

Another top way to make money from nothing is to profit from your technical know-how.

You could provide technical assistance and troubleshooting services as a remote tech support specialist.

Previous experience or knowledge in technology is usually required., alongside a deep understanding of the software you’re helping customers with.

Make sure you have a stable internet connection and the capability to work various shifts.

Salaries for remote tech support roles typically range from $15 to $25 per hour.


35. Web Developer

If you have skills in coding and web design, working as a remote web developer is a lucrative option.

Freelance platforms and job boards are good places to look for opportunities.

You’ll be creating and maintaining websites or applications.

Rates differ based on experience and project scope, but web developers can make from $15 to over $100 per hour.

How to Make Money When You Have None: Start an Online Business

how to make money when you have none

Starting an online business is a practical way to generate income with minimal upfront investment.

The key is to select a niche you are passionate about and utilize digital platforms that cater to your business model.


36. Open an Etsy Store

Etsy is an online marketplace for unique and creative goods, perfect for selling handmade items or vintage items.

To start your Etsy store with no money, choose products you can create consistently and photograph them beautifully.

Consider your materials, production time, and pricing structure to ensure a profit and use Etsy shop SEO and Etsy shop marketing strategies to help customers find your products.

Etsy store owners often earn varying amounts based on product type and demand, but with dedication, some sellers make a full-time income.

Take a look at these guides for ideas on what to sell:


37. Start a Gaming Business

There are many gaming business ideas to make money, including streaming, selling courses or creating gaming content.

Set up a gaming channel on platforms like Twitch or YouTube, and grow your subscriber base through engaging content.

Initial earnings might start small, usually from donations or ad revenue, but successful streamers can earn substantially as their audience grows.


38. Event Planning Business

If you have organizational skills and a flair for coordination, you can start an event planning business from home with little cost.

Build a portfolio through volunteering or planning small events, then leverage social media to showcase your work and find potential clients.

Event planners’ earnings typically depend on the scale of events managed, with larger events often yielding higher profits.


39. Dropshipping on eBay or Amazon

Dropshipping allows you to sell products without holding inventory, making it a low-cost entry into online sales.

Identify profitable products, set up a seller account on eBay or Amazon, and partner with a reliable supplier.

​As a private seller on eBay, you can enjoy up to 1,000 listings for free and after that only pay 35p for every additional listing.

Earnings can vary widely but focusing on high-demand items and excellent customer service can lead to significant revenue.


40. App Developer

Developing apps can be lucrative if you have the technical skill or willingness to learn.

Begin with a simple project, publish it on app stores like Google Play or Apple’s App Store, and monetize through ads or in-app purchases.

App developers’ incomes differ greatly, but successful apps can generate substantial passive income over time.


41. Create Handmade Goods

If you’re crafty, consider selling your handmade products via an online store.

If you need ideas, check out these easy things to make that sell like hotcakes.

Start by identifying a market niche in high demand, then use social media and e-commerce platforms such as Shopify to reach customers.

Production costs will dictate your price point. With consistent quality and marketing, handmade goods can produce a steady income stream.


42. Email List Business

An email list business involves building a database of subscribers interested in a topic and monetizing through affiliate marketing or selling info products.

Start by offering valuable content, use email marketing services to manage your list and spend time nurturing your leads with free info before you try to sell anythig.

The potential earnings for email lists grow with the list’s size and the quality of engagement.

Once you have a hefty sized list, you can also monetize it through selling email ad space.


How to Make Money When You Have None: Gig Economy

how to make money when you have none

The gig economy offers a wide range of opportunities for those looking to make money without an initial investment.

From renting out a room to delivering food, the flexibility and variety ensure that you can find a gig that suits your schedule and skills.


43. Renting a Room on Airbnb

On Airbnb, you can rent out extra space or your entire home to travelers visiting your area.

To start, create a listing with detailed descriptions and quality photos. Include amenities such as if you have a parking space and set house rules.

You control your availability and can set competitive prices based on your location and the local demand.

Hosts can earn on average anywhere from $50 to several hundred dollars per night depending on their property and location.

Don’t own a property? Learn how to start an Airbnb business without owning a house.


44. Deliver Food with Uber Eats

To deliver food with Uber Eats, you need a reliable vehicle or bicycle and a smartphone.

Sign up through the Uber Eats app, upload the required documents, and once approved, you can start accepting delivery requests.

Payments include a pick-up fee, a drop-off fee, and mileage.

Earnings can range widely, with some reports of drivers making $8-12 per hour after expenses.


45. Mystery Shopper

As a mystery shopper, you get paid to visit businesses and rate your experience.

Begin by registering with a reputable mystery shopping company, and once approved, select jobs via their platform.

You may need to purchase items or ask specific questions, then provide a detailed report, but full instructions will be given to you before you start.

Compensation varies, with some shops paying $10-25 plus reimbursement for purchases.


46. Provide Services on Task Rabbit

Task Rabbit connects you with people looking for help with tasks like furniture assembly, moving, or handyman services.

Create a profile, set your rates, and browse local tasks. Once selected, you’ll agree on details with the client and complete the task.

Taskers keep a significant portion of the agreed fee, which can be $20-70 per hour or more, depending on the task.


47. Removal Services with Dolly Helpers

With Dolly Helpers, you help people move large items with your van, truck or SUV.

You’ll need a large vehicle with space and the ability to lift heavy objects and you can use the Dolly mobile app to find jobs nearby.

Register online, and once approved, you choose which gigs to take.

Helpers earn $35 – $50 or more per hour plus tips, but this can vary based on your location and the details of each job.


48. Deliver Packages with Amazon Flex

Amazon Flex involves delivering packages for Amazon and you need a car and a smartphone to use the Amazon Flex app.

Schedule your work in blocks of time that suit you, and deliveries are typically in 3-6 hour blocks.

Delivery partners can make $18-25 per hour, depending on the region and the number of deliveries completed.


49. Pet Sitting on Rover

Rover allows you to make money by pet sitting, walking dogs and by offering a combination of pet care services.

Create a profile, set your services, and your rates and detail any pet care preferences that suit you.

You’ll communicate with pet owners through the app and you can choose to accept or refuse requests.

Payments can vary, but the average is around $25-50 per night for sitting and $10-20 for a dog walk, with potential extra for additional services or pets.

man walking dog


50. Rideshare Services on Lyft

With Lyft, you drive people to their destinations using your own car.

Register through the Lyft app, pass a vehicle inspection, and once approved, you can start driving.

Pay is based on the time and distance of each ride, with possible surge pricing during high-demand periods.

Average earnings are about $17-24 per hour before expenses and you have a chance of earning bonuses.


51. Help to Move People with BellHop

Bellhop Movers provide moving assistance, such as lifting and loading items and transporting them locally or further afield.

You’ll need to be physically fit and have a smartphone, but you can choose your own hours and work the days that suit you.

Apply online and select moving jobs through the app. Bellhops can earn around $15-21 per hour, with the possibility of tips adding to your pay.


52. Deliver Groceries with Instacart

Instacart lets you shop for and deliver groceries to customers’ homes.

Sign up on the Instacart app, choose your work hours, and get approved to start shopping.

Payment includes a fee per batch plus earnings from tips and workers typically make $10-20 per hour, which varies with the size of the order and the distance traveled.


53. Gather Data for Gigwalk

Gigwalk is an app where you can make money when you have none by performing small tasks like checking product displays in stores.

Download the Gigwalk app, apply for gigs in your area, and complete them by following the instructions.

Payments are made to PayPal, per gig and can range from $3 to $100, but most are on the lower end of that scale.


54. Get Paid to Advertise on Your Car

Companies like Carvertise and Wrapify will pay you to place advertisements on your car.

Sign up with a car advertising service, and if you’re approved, they’ll wrap your car with an ad.

You’ll earn money as you normally drive, making this a nice way to earn doing what you normally do.

Payments vary, but typically you can make around $100-400 per month, depending on the campaign and your driving habits.


55. Offer Landscaping Services with TaskEasy

TaskEasy connects people in the United States with landscaping jobs like lawn mowing or snow removal.

To become a Taskeasycontractor, register online, provide the necessary equipment, and choose local jobs through the platform.

The service sets client pricing, but contractors can typically expect to earn $15-30 per job, with the opportunity to take on multiple jobs per day.


56. Provide Auto Repair Skills for YourMechanic

YourMechanic offers a platform for auto mechanics to perform services for clients at their location.

Working for this company, you can set your own hours, be your own boss and enjoy excellent pay.

Sign up, set your schedule, and you’re matched with jobs.

Experienced mechanics can earn $40 – $70 per hour, though this can vary based on the services offered and the complexity of the work.


57. Offer Care services on connects you with people who need child care, senior care, pet care, tutoring and housekeeping.

Create a profile, undergo a background check, and once approved, you can start receiving job offers.

The pay varies widely based on the type of care, your experience, and your location.


58. Provide Home Based Massages for Soothe

If you’re a licensed massage therapist, Soothe lets you offer massages to clients in their homes or hotels.

They also offer haircuts and styling, beauty treatments and a range of other wellness services.

Create a profile, pass a background check, and accept bookings through the app. Therapists can make $70+ per hour before any platform fees.



59. Rent Out Unused Space on Neighbor

Neighbor is a platform for renting out storage space such as a garage, driveway, parking lot or unpaved lot.

List your space, set a monthly price, connect with renters and you can be rest assured the platform covers hosts with  $1,000,000 free liability coverage.

Earnings depend on the size and location of the space, but it can be a simple way to make passive income from unused areas of your property.


60. Rent Out Your RV on RVShare

RVShare allows you to rent out your recreational vehicle when you’re not using it.

You can set your own RV rental prices and choose how long a renter can have your vehicle for.

To get started, create a listing, set your price, and manage bookings through their platform.

The site has millions of renters each year and you can take advantage of rental coaching from their in-house experts.

Depending on your RV and rental frequency, you can make hundreds or even thousands per month.


61. Rent Out Unused Gadgets on Fat Llama

Fat Llama is a marketplace for renting out equipment like cameras, drones, musical instruments DJ gear and more.

To rent out your unused gear, create a listing with clear photos, a price and a description.

When you receive interest, respond promptly to questions and if you decide to rent, you can arrange when to hand over the item to the borrower.

Items can be rented for days or weeks, and you can set prices comparable to professional rental services—often resulting in earnings of $50 – $200+ per day which is a nice profit when you have no money.

How to Make Money When You Have None: Additional Side Hustles

how to make money when you ave none

In a financial pinch, several great side hustles require little to no start-up funds.

With the right approach and dedication, you can turn these opportunities into consistent income streams.


62. Complete Online Surveys

You can earn money by sharing your opinion through online surveys.

Sign up with reputable survey companies like Survey Junkie or Swagbucks and start completing surveys matched to your profile.

To succeed, you need to provide honest and thoughtful responses.

Earnings can range from a few cents to several dollars per survey.

Take a look at the best survey sites that pay instantly.


63. Get Paid to Text

Multiple legit platforms pay people to engage in text conversations.

If you spend a lot of time on your phone anyway,  why not profit from this and get paid to text.

Some companies pay you for the amount of texts you exchange, and some pay by the hour.

The work can vary, with some text jobs requiring you to answer questions, while others want you to chat to customers or lonely people.

Depending on the company, you could earn around $0.20 per text or up to $60 an hour.


64. Create and Sell Low Content Books

Low content books, like journals or planners, can be designed easily and quickly using a free graphic design tool like Canva.

Make sure to do keyword research to see what people search for and create unique, visually appealing designs to publish them on Amazon, and earn royalties.

While there is a lot of competition, if you find low competition, and high search volume keywords to create books on, you can make some decent money.

Potential profits range from a few dollars to over a hundred per month with strong marketing.

Learn more in this guide on how to sell low content books on Amazon.


65. Take Part in Focus Groups

Learning how to make money with focus groups is another top way to make money when you have none.

Many sites need new participants for online and in-person focus groups and they generally pay very well.

Share your opinions on products or services before they get to market and potentially earn $50 to $300 per session. 

Consistency and openness during discussions will increase your earning potential.


66. Earn While Listening to Music

If you’re a music lover, you can profit from your passion by earning money while listening to music.

Websites like SliceThePie, PlayListPush, and Hit Predictor pay you to review music so artists can get feedback on their new tracks.

The key to earning up to a couple of cents per review is to provide detailed, honest feedback.

While this won’t make you rich, it’s a great way to earn a few extra dollars doing something you enjoy, alongside a full-time job.


67. Make Money as a Virtual Friend

Yes, you can actually get paid to be a virtual friend and many sites are offering these services.

Sites like RentAFriend allow you to make money by being a virtual companion and you can choose the friend tasks you want to offer, such as online chats,  texting, talking on the phone or maybe doing an activity together.

You could earn up to $50 per hour, but remember to establish boundaries and provide genuine companionship.


68. Download Apps and Play Games

Many legit game apps pay instantly to PayPal with platforms like Mistplay, paying users to try out new games.

A few other top survey sites that have paid games to play include Swagbucks, Inbox Dollars and MyPoints.

Focus on reaching certain levels within the games to maximize earnings, which can be modest but consistent.

Pay for game playing might only be a few cents and up to a few dollars, but these apps often have other ways to earn such as claiming a sign-up bonus, taking surveys and completing other simple tasks.


69. Become a Game Tester

It might seem like a dream, but there are real and paid game tester jobs that require no experience.

​If you’re an avid gamer and spend a lot of time playing games online, this could be an ideal way to make money when you have none.

Your feedback on gameplay and user experience is valuable, with potential earnings of $10 per game test.


70. Answer Questions Online

If you’re knowledgeable in a specific area, you can get paid to answer questions on sites like JustAnswer.

To make the most money from this method, make sure your answers are accurate and that you’re responsive and timely.

Your earning potential may vary substantially, from around $5 for a simple answer and up to $50 or more for an hourly chat helping someone out with a specific problem.


71. Get Paid-to-Date Online

Though unconventional, platforms like WhatsYourPrice allow you to earn money by accepting paid dates.

It’s important to remember – you are in control and you can choose to go on dates in the real world, be a partner at events, have phone dates or take part in activities.

Safety and clear terms are paramount, and you might earn $80-$100 per date.

Read more about how to get paid to date online.


72. Sell Your Online Data and Unused Internet

With services like Honeygain, you can sell data for money and make easy passive income.

The type of data that companies buy is your browsing history, location data, purchase history and more, all of which help them with market research.

You might earn $5 to $40 a month depending on your internet speed and data capacity.


73. Sell Feet Pictures Online

While not a traditional way to boost your income, there are legit sites where you can sell feet pictures for money.

Selling feet pictures on platforms like FeetFinder can be lucrative if you cater to the right niche and have decent photography skills.

Earnings can vary greatly; some sellers make hundreds of dollars per photo.



74. Sell Your Old Clothes

Apps like Poshmark or eBay are great for selling unwanted items such as clothes you no longer need.

Good quality photos and competitive pricing can help you sell faster, potentially earning you a tidy sum.

Always respond to customer messages quickly as well, as good customer service will lead to great reviews, which will help you sell more.


75. Give Advice Online

One of the most popular ways to make money when you have none is to give advice online.

If you’re always giving friends advice, you can leverage your expertise by giving advice on platforms like

Set your rate per minute to provide professional advice, with an average hourly rate being around $50 an hour.

Learn more in this guide on how to get paid to give advice online.


76. Make Money On OnlyFans Anonymously

OnlyFans is a subscription-based platform where users can share photos and videos of themselves.

Fans sign up and pay a monthly fee to see that content and many OnlyFans account holders make good money once they’re established.

And, the good news is that you can even make money on OnlyFans without showing your face.

With consistent content creation and marketing, earnings can range from a few dollars to several thousand a month.


77. Sell Your Furniture

Old furniture, especially if it’s vintage or unique, can be sold on to make a decent bit of side cash.

One persons rubbish is another persons treasure – as the saying goes and you can use apps like Letgo to sell furniture you no longer use.

Good condition items and reasonable pricing can fetch you a fair amount.


78. Sell Old Books

If you have old books lying around, you can sell them on platforms like Amazon, eBay, or BookScouter.

You will need to creat descriptive bok listings and upload clear photos to get buyers interested.

Keep the books in good condition to attract buyers and earn a few dollars per book.


79. Sign Up for Clinical Trials

Cliniical trials are happening all the time to test out new drugs of the future.

Find paid clinical trials on websites like:

Compensation varies greatly based on the trial’s demands and duration; but some participants earn thousands of dollars.


80. Participate in Mock Trials

Mock jury services help lawyers prepare for real cases and work out any difficulties they might have.

A mock trial will take you through the same proceedings as a real one and you’ll be asked to sit through opening arguments, evidence, closing statements and more.

Some mock trials are held in person and some are done online so you can participate from home.

Check out eJury and Jury test for potential paid opportunities.

You could earn $5 to $60 per case depending on complexity and length.


81. Sell Lesson Plans

If you’re a teacher, it’s possible to sell your old lesson plans on Teachers Pay Teachers.

You can make even more money by selling other resources such as worksheets, organizers, flash cards and assessment pages. 

Well-crafted plans can earn you anywhere from a few dollars to several hundred dollars each.

how to make money when you have none


82. Get Cash Back on Shopping

There are many legit free apps where you can earn cashback on regular purchases.

The key is to shop as you normally would and earn back a percentage of your spending.

The best cashback apps include:

  • Rakuten
  • Ibotta
  • Swagbucks
  • Fetch Rewards


83. Get Paid to Exercise

If you don’t have much money, another way to earn more is to use apps that pay you to exercise.

These apps reward you for sticking to workout routines, reaching fitness goals and for participating in challenges.

​If you want to lose some weight and get paid for it, try out these apps:

  • Sweatcoin
  • HealthyWage
  • DietBet

Py will vary between the apps, but the majority will pay in coins, that can be redeemed for PayPal cash or gift cards.


84. Hold a Yard Sale

When searching how to make money when you have none, a great idea is to organize a yard sale to sell items you no longer need.

Everyone has a ton of stuff that they no longer need anymore and these items can be put to good use and top up your bank balance!

Make sure to have clear pricing and display your items so they can be seen easily.

The money you earn will depend on how many items you have to sell and how well you market your yard sale in the local community!


85. Be a Life Model for Artists

Art schools and studios often need models and if you’re comfortable with your own body, you can volunteer your services as a life model.

The work will require you to take direction and to stay till in one position for extended periods.

But, if you secure work, you could earn roughly $20 per hour or more, depending on the venue.

artists painting


How to Make Money When You Have None: Frequently Asked Questions

Whether you’re looking to supplement your income or need a starting point without initial capital, the following FAQs cover practical strategies and options available to you.


Which mobile apps can be used to make money for free?

You can utilize mobile apps like Survey Junkie, Swagbucks, and Task Rabbit to earn money. These apps offer ways to make cash through surveys, completing small tasks, or even shopping online.


Can wealth be accumulated without engaging in traditional nine-to-five employment, and if so, how?

Yes, wealth can be built without a 9-5 job. Options include starting an online business, investing in stocks or real estate, and generating passive income through affiliate marketing or creating digital products.


What immediate actions can an individual take to start earning when they are facing a dire financial situation?

Immediate actions include selling personal items you no longer need, offering freelance services online, or performing odd jobs through platforms like Craigslist or local Facebook groups.


How can I make $100 fast today?

To make $100 quickly, you could offer a same-day service such as pet sitting, lawn mowing, or handyman work.

Alternatively, participate in gig economy jobs like rideshare driving or food delivery that often pay the same day.

If you prefer to earn from home, read this guide on how to make $100 in one day online.


How can I get paid for doing nothing?

Earning money with minimal effort can include options such as renting out a property or a room on Airbnb, signing up for passive income apps like Honeygain, or investing in dividend-paying stocks or peer-to-peer lending platforms.


Final Thoughts on How to Make Money When You Have None

A stack of bills and coins on a table, with a laptop open to a webpage titled "How to Make Money When You Have None."

Now you know how to make money when you have none, it pays to diversify your approach and remain consistent with any venture you start.

You have several pathways at your disposal: from selling personal belongings to providing services through freelancing.

These options don’t require money upfront, but do demand your time and dedication.

  • Sell Personal Items: Quick cash can be made by letting go of things you no longer need.
  • Freelance Skills: If you have a skill, offer it on various platforms.
  • Affiliate Marketing: Can create a passive income over time.
  • Surveys and Passive Income Apps: A small, yet potentially steady, source of earnings.

The benefit of these methods lies not only in the absence of financial investment but also in their flexibility; you can adapt them around your current schedule and responsibilities.

When choosing the path to take, consider aligning with your strengths and interests, as this will likely increase your perseverance and the likelihood of success.



*Disclosure: I only recommend products I would use myself and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, I may earn a small commission.


How to Make Money When You Have None: 85 Effective Strategies

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How to Make Money When You Have None: 85 Effective Strategies


How to Make Money When You Have None: 85 Effective Strategies.


Katie Lamb

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Remote Work Rebels

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