Earn Money Online Without Investment: A Complete Guide

Earn Money Online Without Investment (1)

No daily commute, no dress code and no boss. Sound like a dream situation?

Working in your sweat pants and avoiding the stresses of the daily commute are just some of the reasons why making money online is so appealing to people all over the world.

Whether you just want to earn a few extra dollars every month to help with expenses or you want to earn enough to give up your full-time job, the internet provides huge opportunities to Earn Money Online Without Investment at home on your computer or laptop.

With so much information online, it can be hard to know where to look for the facts on how to earn money online without investment.

Earn Money Online Without Investment

This complete guide contains everything you need to know about earning money online, so you don’t need to waste hours browsing the internet to find what you’re looking for. From the benefits of earning money online to the things you need to consider and the best ways to earn, here’s the knowledge you need to get started. So that you can find what you’re looking for easily, we’ve split our guide into the following sections:

  •  Benefits of working and earning online.
  • Things you need to consider when working online.
  • The skills you need to make money online.
  • The best ways to earn money online without investment.
  • Where to find good online jobs.

Benefits of working and earning online

Be your own boss: one of the most rewarding things about Earn Money Online Without Investment online is making decisions for yourself and not having to answer to anyone. You know the kind of things we are referring to; no more work emails from your manager on a weekend or board room meetings that eat into your lunch break. Set your own schedule and take time off whenever you want with online jobs.

Work anywhere, anywhen: you don’t need to be chained to an office chair to make money online. Your desk can be anywhere with a reliable internet connection, including your favorite coffee shop, the sofa or a deck chair on the beach.

Work flexibly: one of the most attractive benefits of making money online is flexible working. If you prefer to work evenings or around your children, online jobs allow you to do this. You’re in control of your schedule, so if you find yourself needing to swap your working days or hours around, as long as you meet your deadlines, you can absolutely do that.

Unlimited earning potential

Unlimited earning potential: contracted jobs provide a set salary every month so you know how much you’re taking home. However, your earnings are capped, unlike online jobs where you can take on as much or as little as you want. Saving for a holiday? Take on some more freelance jobs to earn some extra dollars. Need a break? No problem. Simply pause your services until you’re ready to start meeting deadlines again.

Start straight away: if you choose to earn money online without investment, you can get started immediately. There’s no waiting to hear back from a job interview or agreeing to a start date. Online jobs offer immediate starts, meaning you can start earning money straight away.

Live a healthier lifestyle: the gift of time is precious. Commuting to a 9-5 job is time consuming and eats into your personal time to do things you enjoy. By deciding to earn money online, you will be working from home which makes your working day more efficient and gives you, and your family and friends more time to spend together.

The skills you need to make money online

Earning money online puts you in control of exactly how much you make each month. The following must-have skills will help you maximize your earning potential and online job opportunities.

Self-confidence: having confidence in your abilities will help convince clients to hire you as a freelancer or remote worker. Whilst there are a huge amount of ways to earn money online without investment, you need to stand out from other people that also want to make a living from the comfort of their own home.

Time management: when you work from home, nobody checks up on whether you’re on track to meeting your deadlines or can cope with your workload. You may be working on more than one online job or project during a day, so it’s vital that you can manage your time accordingly.

Passion to learn: online work is naturally dynamic. Continually learning new skills and better yourself will keep your services current and attract new clients.

Written and verbal communication: being able to communicate efficiently with clients online is the key to building customer relationships and building your online business. Reading between the lines, spotting potential issues and understanding client expectations will ensure

Marketing skills

Marketing skills: whichever area of online work that you decide to do, advertising the services that you provide will enable you to make regular money. Getting exposure on social media is a great place to start finding new clients. To build your online presence, regular posting is key to increasing the reach of your services.

Motivation: it’s important to find out what motivates you when working online. Rewarding yourself for each task or job completed is a great way to keep motivation high. A simple little boost such as a walk or a cup of coffee and a tasty snack can really help you focus on getting the job done and prepare yourself for moving onto the next job. Creating a comfortable and productive working environment at home can also help you get into the right mindset for working productively at home.

Things you need to consider when working online

It’s a solo career: unfortunately, there’s no opportunity for an office water cooler chat with your co-worker when you do jobs online. Some people may find this a lonely career, however there are ways that you can still socialize. Schedule regular time out of the house into your daily schedule and arrange to meet with a friend for a walk and a coffee. Networking with other self-employed freelancers is a good way to meet new people and can potentially open up new avenues for work.

Varied earnings: one month you could be drowning in work and watching the dollars pile up, the next you may be struggling to find new clients. The earning potential is there, but you may have to work for it. Being good at budgeting will certainly help you manage your self-employed finances and help you prepare for the quieter months when you’re starting out and building your client base.

Tax responsibilities: when you’re earning your own money, it’s your responsibility to declare and pay the right amount of tax based on your earnings. A tax accountant may help you keep your finances in check and avoid any penalty fees.

Things you need to make earning money online a success

1.       A reliable internet connection.

Regardless of the type of online job you decide to do, making sure your internet service works well should be a priority. A consistent, high-speed connection will boost your productivity and maximize your earning potential.

2.       Space to work

Confusing your work space with leisure space won’t do you any favors when it comes to motivation. Even if you don’t have a spare room that can be converted into an office, adding a desk to the corner of your bedroom or living room will enable you to have a dedicated space for work.

3.       An organized desktop setup

In an office environment, you’re expected to keep your desk organized and decluttered. You should treat your home office with the same respect and not confuse it with a place to pile laundry or mail. Even though you set your own working hours, setting some boundaries will prevent you from getting distracted. For example, when you’re working don’t get tempted to use your computer or laptop for browsing social media or the web.

Communication with the rest of the world

4.       Communication with the rest of the world

Staying in touch with the outside world is extremely important for your wellness and mental health when working from home. LinkedIn is a great platform that can connect you with other freelancers and even lead to new online job opportunities.

5.       A schedule to separate work and home life

Setting your own working hours is a perk of being your own boss and earning money online. But it’s important to set boundaries in order to maintain productivity and ensure you have enough time for your personal life. For example, you may decide that you work between 7 am-2 pm each day and have the afternoons for time to yourself. Try not to let work invade your social time and maintain a happy work/life balance.

6.       Realistic expectations

Earning money online gives you the opportunity to start making money straight away, but you won’t become a millionaire overnight. Once you establish yourself in the online world, your earning potential will grow with hard work and dedication.

The best ways to earn money online without investment

Now we’ve covered the basics, here are all the ways you can earn money online without investing a single dollar. Each type of job has the potential to earn $100 a day with hard work and determination.

Become a freelancer

Last year, 59 million people were earning money by freelancing in the United States.

Becoming a freelancer is one of the best ways to earn money online without investment. One of the most attractive benefits of freelancing is that you can start making money as soon as you land your first client. You won’t need to invest any money either as you’ll probably have what you need already (laptop, internet connection and software). There are also a ton of free tools available such as Google Docs and Canva that will help you with your work.  

You can offer lots of different services such as:

  •  Writing (content, ghostwriting, scriptwriting, etc).
  •  Proofreading and editing.
  • Web design and development.
  • Graphic design.
  • Virtual assistance.
  • Video editing.
  • Bookkeeping.
  • Online tutoring.
  • Photography and photo editing.
  • Online travel agent.

Now we’ve looked at some of the different services that you could offer as a freelancer, your next question may be how do you promote these services and get clients? Let’s explore your options.

Explore Freelancing Website

Freelancing websites: websites such as UpWork and Fiverr help freelancers find work. These types of websites are great for starting out and building your client base. You may find that you can earn more money elsewhere though.

Use your blog to promote your services: if you have an established blog, advertising your services on it is a great way to reach a wide audience. Regularly posting and engaging content can help land you more clients.

Write for other blogs: lots of company blogs use guest posts as a way of getting fresh content on their site. This can be a great way for freelancers to increase their exposure. Whilst you won’t be directly promoting your services in the content, you can include a bio and a link to your site or contact details.

Social media: setting up a professional Facebook page and LinkedIn account will help you showcase your work and attract new clients. If you have a website, don’t forget to include it in your profiles.

Start a blog

Blogging doesn’t have to be just a hobby. It can actually turn into a lucrative business for people who want to earn money online. However, it’s important to note that a blog won’t start earning you money straight away.

Anyone can blog. All you need is an interesting topic to write about and dedication to build traffic and followers. You can set up your blog on a free platform such as or Blogger, so you don’t have to invest any money to get started. Once your website is up and running, promote your blog on social media and start connecting with other bloggers to reach a wide audience. Posting regular engaging and newsworthy content is the key to a successful blog.

Blogs earn money in the following ways: 

Affiliate marketing: once your blog has enough readers, large companies will pay you a small commission for including affiliate links in your content. You will get paid each time a reader clicks through to the website and makes a purchase.

Adding banner adverts: another way to make money is by selling banner advertising space on your blog page. Brands that target your readers will be keen to get their products or services in front of them, in return for offering you money when a reader clicks the advert.

Sponsored social media posts: if you’ve built up a strong social media presence, brands will be keen for you to create sponsored posts and pay you to post them on your platforms.

Write an ebook

Calling yourself a published author no longer has to be just a dream thanks to self-publishing and ebooks.

Creating an ebook requires no initial investment or ongoing costs, making it a great option for people who want to earn money online. How much you earn will depend on the publishing platform you choose to use, your book’s length, reviews and its competition.

Want to give it a go? Start by picking a subject to write about that you’re interested in. Do some research on what titles sell in your local bookshop or on international sites such as Banes and Noble. Here are a few ideas to consider:

  • Poems or short stories.
  • Practical guides such as how to live on a budget.
  • Children’s books.
  • City guides.
  • Fiction (erotic fiction sells particularly well online).

The best place to market your ebook is Amazon. Each month more than 197 million people around the world get on their devices and visit That’s more than the population of Bangladesh and is a massive market to sell to.

How much money can you really make from writing ebooks though? From publishing with Amazon and Kindle Direct Publishing, you will earn a 70% royalty for every ebook you sell.

For example, if your book was priced at $2.99, you’d get $2.09 for every person that downloaded your ebook. There’s no limit on how many ebooks you can self-publish, so the more you write, the more your earning potential.

Make money from managing social media accounts

Social media is a vital part of every company’s marketing strategy. However many businesses don’t have the time or resources to dedicate to manage their social media platforms, which is why they outsource the job to a freelance social media manager. If you spend most of your time on Facebook and Instagram, this online job could be perfect for you.

Working as a social media manager is a great way to earn money online without investment. You don’t need any qualifications or skills to start work in this field, but being aware of the latest social media trends is a must.

As a social media manager you will:

  • Create and implement a social media strategy that aligns with business goals.
  • Produce and schedule engaging content, including written posts, images and videos).
  • Maintain a content calendar.
  •  Keep up to date with social media trends and current technologies.
  • Develop a community feel by responding to comments and engagement across all social media platforms.
  • Design, create and monitor the progress of advertising campaigns.
  • Work with internal teams such as marketing to ensure brand consistency.

Sell training and online courses  

If you have good skills that other people need, why not share them and make some money online at the same time?

Since the beginning of the Covid-19 pandemic, online training has become an essential part of an individual’s self-development. People are hungry for education and are paying good money for online education and it’s an area that you can profit from without investing any money upfront.

Here are a few different ways that you can make money online by selling courses:

1. Charge a one-off fee. Most people are used to paying for education at the beginning of a course, and it makes it easier to sell more courses later and set clear expectations.

2. Provide the course for free and charge for the certification. You can build trust and repeat business with customers by offering them a valuable course for free, then only charging for the certification.

3. A subscription model. Lots of people pay subscriptions for things such as books, magazines, food and drink. Paying a monthly fee for education will attract people who don’t want to commit to a large sum of money, and creates regular income for you.

4. Sell course licenses. Another option is to create content and sell licenses to companies that don’t have the time or skills to produce the course themselves. This is a great model if you want to get rid of the admin and management side to selling courses yourself.

5. A tiered payment system. You can offer some parts of the course for free, or a lower price for introductory content. More technical content could be charged at a higher price. This model is a great way to demonstrate the value for money of your course.

Start a YouTube channel

You can earn serious money from making YouTube videos, and have fun whilst doing it. Whilst becoming a successful YouTuber doesn’t need any initial investment, it does require hard work, commitment and patience.

The best way to build a good following is by posting regular content. The YouTube Partner Programme can help you boost your earnings through revenue sharing from ads placed on your content. To join the program though, you need to have over 1,000 subscribers and your videos must be watched for over 4,000 hours within the last 12 months. Affiliate marketing, interacting with commenters and collaborating with other YouTubers are alternative ways to boost your traffic.

Here are some of our top tips on how to make your YouTube videos a success:

1.       Follow trends – watch other popular channels to see what’s trending and put your own spin on it. The quickest way to lose subscribers is to post outdated content.

2.       Be unique – if you want to stand out from other YouTubers, it’s important to make people choose your channel over hundreds of others. Beauty, gaming, comedy, product reviews and how to guides are some of the most popular categories. How will you stand out from the crowd?

3.       Choose a strong channel name – this is one of the most important things when setting up your channel. A good name should be unique and memorable. Also use short, catchy titles and thumbnails to get people to click on your video.

4.       Be yourself – if you pretend to be someone you’re not, your subscribers will see through your acting skills and hit the unsubscribe button quicker than you can upload your next video.

Earn money online without investment by typing

Online typing jobs are a great way for students, stay at home parents or anybody to earn money online. If you’re wondering if you can type fast enough to do online typing jobs, there are online typing tests that you can take to find out your words per minute speed. The best thing about typing jobs is that you only need a reliable computer and keyboard to complete your tasks, no other investment is required.

Here are five different types of online typing jobs to consider:

Here are five different types of online typing jobs to consider:

Transcription: if you have good typing skills, are a good listener, have a strong grasp of language and excellent vocabulary skills, transcription is probably the most suitable online typing job for you. Transcribers listen to audio files and convert them into written documents. Many people like the variety that transcription jobs provide. One day you could be transcribing business meetings and the next you could be listening to a podcast or court hearing. It’s worth noting that transcription jobs typically pay per hour of audio that is completed rather than the number of hours that you’ve worked.

Captcha entry jobs: if you’re looking for an easy typing job to earn bucks online, this could be the perfect opportunity for you. Captcha is an online verification test that checks whether the user is a human or robot. Chances are you’ve come across these simple tests whilst you’ve been browsing the internet. Captchas include images, audio, letters and easy math solving puzzles. Captcha entry jobs pay people to solve the tests at home quickly and accurately, which is where typing skills come in handy. You won’t become rich completing Captcha entry jobs, but it is very easy if you want to earn a few extra bucks.

Online survey jobs

Online survey jobs: companies need feedback on their products or services to make improvements. All you need to do is fill out basic forms that ask you for your opinions and some basic information. The results of your survey are then used for marketing purposes and improving customer satisfaction. Choose a reputable online survey provider such as Branded Surveys or Swagbucks. Check their terms and conditions before signing up to make sure you’re happy with the payment options. Some companies will only let you cash out your earnings once you’ve reached a certain amount and others may pay you with gift cards rather than cash.

Micro jobs

Micro jobs: completing micro jobs is the simplest type of online typing job. You can sign up to micro job sites where there are hundreds of simple tasks to be completed in exchange for cash. ShortTask and Micro Workers are a few good sites will you will find daily micro jobs. Typical tasks include:

Writing a short article or commenting on online content.

  • Searching and browsing websites.
  •  Reviewing and rating websites.
  •  Liking pages and posts on social media sites.
  •  Finding an image using keywords.
  • Searching for contact details from websites.

Forum posting: did you know that you can earn bucks by creating new threads on forums and commenting on posts to boost activity? You don’t need any particular skills or writing experience to get started and is an effective way to earn money online. Check out companies such as Digital Money Talk and Fiverr that pay posters to create new threads and comments on forums. As with surveys, check the payment terms and conditions before signing up so you know exactly how you will be rewarded for your time. It’s unlikely that you will make huge amounts from working as a forum poster, however it’s the perfect side hustle that could top up earnings from other online jobs that you do.

Earn money online without investment for students

Anybody can sign up for and do the jobs described below. They are particularly good for students as they can be easily done around school and studying.

Get paid to search the web: how does getting paid to do something that you already do online sound? Too good to be true? Well, it’s actually a genuine way for people to make money without much effort. Qmee gives you cash rewards for shopping and searching when you shop on some of the biggest e-commerce platforms such as Amazon, Google and eBay. All you need to do is install an add-on to your browser. Every time you search, sponsored results will pop up alongside your normal search. If you’re interested in the offer, simply click on it and complete the task to earn your cash reward. You can cash in your earnings whenever you want – there is no minimum amount required.

Test websites and apps: Earning money online from your sofa may sound like a dream, but it is possible. pays people to review websites. All you need to do is sign up and complete a test review. Once this is done, you will start receiving websites to review and test in your inbox. You will be asked to complete specific tasks and give your opinion on what works well and which areas need improvement. You don’t need to be a technology expert, just comfortable using websites and apps, which most students are.

Make and sell apps

Make and sell apps: it’s probably easier than you think to create a business online making and selling apps. If you don’t already have an idea for an app, research the top selling apps and read the reviews to find out why they are popular. Design an app that appeals to a wide audience and offers something unique. Gaming apps, productivity apps and lifestyle apps all sell well. Your idea doesn’t need to be complex. Sometimes, the highly-rated apps are simple ideas with an engaging interface. Make sure you review policies for each smartphone company to know the kinds of apps they publish. Once your app is built and submitted for inclusion on app stores, don’t forget to market it. Using a website and social media are effective ways to get your app out there. Encourage reviews to bump your app up the most downloaded list.

Where to find good online jobs

Using reputable websites is a great way to kick-start your career by completing online jobs. As you build your network of clients, you may decide to go it alone and increase your earning potential. Don’t forget, the most important part of earning money online is getting regular work.

Upwork: this is the largest freelance marketplace that allows you to create a profile that details your skills and services. Once a client has posted a job listing, freelancers can submit proposals that explain why they are the best person for that job. If your proposal is successful, Upwork will allocate the task to you so you can complete and earn money from it.

Freelancer: another popular freelance website that has more than 50 million users. Setting up a freelancer profile will allow you to bid on jobs that are posted by customers, and works in a similar way to Upwork.

People Per Hour: this site only lists remote job opportunities and focuses on design and web development roles such as online advertising, video editing, social media management, and copywriting.

Fiverr: this site is perfect for freelancers who are just starting out. Freelancers can post listings offering their skills, unlike other platforms described in this list. For example, you could post an advert offering 500-word blog articles.

Craigslist: people who want to hire help for specific tasks use Craigslist to find the best-suited person for the job. Posts on this popular site contain detailed instructions on how to apply for job opportunities, making it easy for freelancers to pick up ad hoc jobs whenever they like.

Start earning money online without investment

Now you’re armed with all the information you need to start earning a decent amount of money online without parting with a single dollar.

Whether you’re looking for part-time, evening work or a full-time career, online jobs provide so many opportunities to work from the comfort of your own home, set your own working hours and enjoy a better work/life balance.For information on how to manage your personal finances including budgeting and saving, we have a wealth of informative guides to help you with your journey to achieving financial success.

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