Indie Brand Builder - Dan Chadney

19 Ways to Make Money Online for Beginners without Paying Anything

Author - DanChadney
Written by: Dan Chadney

Struggling with the economy? Soaring prices?

Don’t sweat. You’re in the right place.

Whether you’re a beginner or not, earning money online without paying a dime is doable.

And guess what? It’s not just for a vacation trip, a new home, or your kid’s college fund.

It’s for you to break free from financial constraints.

Here’s how to earn money online without paying anything.

Leverage your skills, tap into the vast digital marketplace, and build a side hustle with zero cash needed, that can even turn into a full-time income.

No more wondering where to start – we’ve got you covered.

In this guide, you’ll explore, you’ll learn, and most importantly, you’ll earn.

Let’s go!

  1. Rent Out Your Belongings or Space
  2. Blogging
  3. Affiliate Marketing
  4. Leverage Artificial Intelligence
  5. Sell an Online Course
  6. Create a YouTube Channel
  7. Voice Acting
  8. UGC Content Creator
  9. Transcribing, Data Entry, and Online Surveys
  10. Get Paid to Test Websites
  11. Become a Virtual Assistant
  12. Freelance Work
  13. Create Original Digital Products
  14. Make and Sell Printables
  15. Sell Print on Demand Products
  16. Sell Products on Amazon
  17. Become a Life Coach
  18. Sell Stuff Online
  19. Earn Cashback and Rewards Online

Affiliate Marketing

One of the best ways to get started making money online without paying any money upfront is affiliate marketing – and it can be used alongside many of the ideas in this post.

You can start making money today without paying anything.

You don’t need a website or even a social media presence to get started.

How to start making money online

Whether you’re a beginner or someone a little more experienced, there is bound to be an idea here that will work for you.

If you’re looking for ways to make ends meet, online income is the perfect way to make more money.

In my own experience with, I started out just doing small things to earn money and eventually created an e-commerce business that scaled to 6-figures.

Loam & Lore - Dan and Amy Chadney's Ecommerce brand.
My ecommerce brand was started with no money – just an idea!

The great thing about many online business models is that many of them can be passive, meaning you don’t have to work a full 8 hours to earn cash.

Before I sold the business in 2022, it only took 2-3 hours per week to run because it was fully automated!

I’ve included my favorites at the top of the list, and also included what you need to get started with each method.

1. Rent Out Your Belongings or Space

The quickest way to make money online is to utilize what you’ve already got!

These days apps like AirBnb, VRBO, Turo, or Neighbor make it possible to earn money from your house, car, garage or even your driveway!

Neighbor helps you make money online instantly by renting out any spare space you have.

What kind of stuff can you rent out? We’re talking parking spots, sheds, storage in your garage, attics, and even side yards. The big-shot hosts are raking in thousands of dollars a year without much effort. 

Become a neighbor host

2. Blogging

Blogging nowadays isn’t just for sharing personal stuff, but you can still earn cash by creating helpful content.

Do you have something you’re really into or know a lot about? If you can provide answers about that topic people are looking for, you’ll start getting more visitors. 

It might take a while before you start seeing any benefits from your blog. That’s just because you’ll have to put in the time and effort to write your blog posts and find people who want to read them. But it could totally pay off in the end. 

You’ll need to learn about search engine optimization, but once you start to rank in Google for specific keywords, there are tons of ways to make some cash from your blog. You can show ads, do some affiliate marketing, or even sell your own digital products or online courses. 

Learn more about blogging

3. Making Money Online with Affiliate Marketing

If you’re looking to learn how to make extra money as a beginner, and want to make money fast, affiliate marketing is a great option.

You don’t need to have a website or a huge social media following to start making money – all you need is some good content.


Use AI to generate your content. Tools like or InVideo can help you publish content every day with ease!

If you pick the right affiliate program it’s possible to make hundreds of dollars with just one sale or make recurring income every month.

Here are some examples of great affiliate programs for beginners:

Perfect for beginners. Earn $20 for every sign-up.
Sign Up
Fiverr Affiliates
Lots of different ways to promote with varying commission rates.
Sign Up
An AI SEO and Writing Tool. 25% commission rate.
Sign Up
Share A Sale
Affiliate network with 100s of opportunities!
Sign Up

Look for programs with high commission rates (10-40%) and long cookie storage (up to 90 days).

There are lots of different programs out there, so do your research and find one that suits your niche. And remember, social media is a great way to promote your affiliate links – so don’t be afraid to leverage your following!

You can easily earn money online with affiliate marketing as a beginner – it really is the ideal way to start making money online. Plus, over time you can build this into a full-time online business.

4. Leverage Artificial Intelligence

You’ve probably heard of ChatGPT, but did you know that there are already so many ways that you can use AI to make money?

Here are a few creative ways you can use tools like to make money:

  • Create art with Jasper art or another AI art generator like MidJourney and sell print-on-demand products with your designs.
  • Create a daily newsletter like the popular daily newsletter Morning Brew. Use AI to write it, build a following, and use affiliate marketing and sponsorships to make money.
  • Write for clients – Use an AI writing tool to generate content for influencers, businesses, or bloggers. Create high-quality content extremely fast and charge the same rates as professional writers.

There are plenty of other ways you can build a business using AI, such as developing custom AI apps, and providing AI services such as consulting or research.

Check out my full article on how to make money with AI

5. Sell an Online Course

This was my favorite idea when considering how to make money online because anyone can create an online course.

I’ve seen people create online courses on a huge variety of skills or knowledge.

Literally, anything that other people want to learn can be packaged up as an online course and sold on a multitude of platforms.

Plus, you don’t even need to have a website or audience of your own with websites like or


Before you build your course, you’ll need to identify your target market and determine what they’re looking for in a course. Then create engaging and informative content that meets their needs.

If you have a website or social media account, there are now a number of platforms that make it easy to create and sell courses online, such as Kajabi, Teachable, and Podia.

If you are really going for cheap and easy starting out, use a platforms like Stan.Store, or where you can create an online shop for free.

Learn more about selling courses online.

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6. Create a YouTube Channel

This is one of my favorite ideas! Video is so powerful – it’s an amazing way to build a business with customers/followers who are super engaged fans of you and what you do.

There are lots of ways to make money with a YouTube channel, but the best way to really find success is by creating a channel that people will love to watch. This can be anything from playing games and reviewing them to talking about online platforms and how to use them.

As long as you’re providing value and entertainment, people will keep coming back for more. Not only will this help you earn passive income, but it will also give you a chance to build a brand and a following that you can monetize in other ways down the line.

If you don’t want to show your face, consider starting a faceless YouTube channel. Use inVideo to automatically generate videos for you and get started making money online today!

Start making videos with inVideo.

young businessman online selling product by steami 2021 09 01 00 26 22 utc 19 Ways to Make Money Online for Beginners without Paying Anything

7. Voice Acting

Voice acting is an incredibly rewarding profession and one that can be quite lucrative – if you know where to look.

To become a professional voiceover actor, here are some things you should know:

  • You need to be able to read and perform scripts clearly.
  • Becoming familiar with the different types of voices (i.e., character voices, accents, etc) is essential to success.
  • Voiceover actors must develop their own unique style and understanding of the craft. This can be done through classes or workshops.
  • Having an understanding of how to use audio equipment is beneficial for recording auditions. is a great platform for finding all kinds of voice acting jobs, from audiobooks and animation projects to commercials. You can create a profile showcasing your voice-over experience and apply for job postings directly from employers.

Start earning with

8. UGC Content Creation

Becoming a UGC Content Creator is a great way to make money online as a beginner.

UGC stands for User Generated Content, which is content created by users of any platform that can be used for commercial or other purposes.

Collabstr UGC website

How does it work? Using a website like,  brands will hire you to create specific pieces of content, and you get paid for each piece of content you create. 

The content could be images, videos, audio recordings, or written articles. 

Start earning with

9. Transcribing, Data Entry and Online Surveys


Transcriptionists convert audio recordings into written text, and the demand for transcription services is growing as more businesses move online. The great part about becoming a transcriptionist is that no experience is required – all you need is a computer, headset, and good typing skills. Perfect for beginners!


There are a number of different companies that offer transcription work, so finding a steady stream of clients shouldn’t be difficult. The pay can vary depending on the company you work for and the difficulty of the audio recording, but most transcriptionists earn between $10 and $30 per hour.

Data Entry

This has typically been one of the most popular ways to make money online for beginners. It involves entering information into online forms and databases.

For many people, data entry is the perfect way to earn money online, as it can be done from anywhere in the world and doesn’t require any special skills or qualifications.

Online Surveys

Market research is a growing industry that offers many opportunities to make money online. There are a number of survey sites that pay panelists for their opinions on a variety of topics. In most cases, you can sign up for free and start earning rewards right away. is the perfect opportunity for people who are looking to make some extra money on the side or simply enjoy doing surveys! With projects available in both US and internationally, you can earn from $50 to 250$ per research.

Start earning with:,,

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10. Get Paid to Test Websites

Websites need to be tested for functionality, design, and content before they are made live to the public. Testing is essential to ensure that users have a positive experience when using the site. is a service that allows companies to find testers from around the world who can provide feedback on their site. 19 Ways to Make Money Online for Beginners without Paying Anything

Testers sign up for an account and are then given a list of websites that they can test. They are typically given a set amount of time to complete the test, and they are paid an hourly rate for their work.

This is a great way for companies to ensure that their site is user-friendly and free of errors. It is also a great way to make money online for beginners since you don’t need any specialist knowledge to get started.

Try: or

11. Become a Virtual Assistant

Becoming a virtual assistant is a great way to earn income online while working from the comfort of your own home. There are many companies that are always in need of virtual assistants to help with tasks such as customer service, data entry, social media management, and more.

It’s beneficial to have experience in the field that you are interested in working in. For example, if you want to work as a virtual assistant for a real estate company, it would be helpful to have some previous experience in the real estate industry.

You can search for online jobs on Fiverr or Upwork. 19 Ways to Make Money Online for Beginners without Paying Anything

12. Freelance Work

There are a number of ways to get freelance work online, but as a beginner, you may not be sure where to start. The first step is to identify your areas of expertise and develop a strong portfolio that showcases your skills. Once you have a strong portfolio, you can begin reaching out to potential clients and pitching your services.

Types of Freelance Work

  • Graphic design
  • Web design
  • Photography
  • Video editing
  • Social media management
  • Blog content writing
  • Online tutor
  • Copywriting
  • Translating
  • Online tutor
  • Marketing
  • Web or Software Development
  • Accounting & bookkeeping
  • Proofreading & Editing

There are a number of ways to find freelance work online. You can search job boards like Dribbble, Fiverr or freelancer platforms like Upwork, or you can reach out to clients directly. 

13. Create Original Digital Products

This is a favorite idea for me when researching how to make money online because digital products are evergreen money earners, providing passive income. This means you only need to invest the time or money once to continue making money long into the future.

People with creative flair can earn money by selling their digital products online.

  1. Choose a marketable product, such as an e-book, an audio file, or a piece of artwork.
  2. Once the product is created, set up a sales platform, such as a website or an online store.
  3. Promote the product and drive traffic 
cooking food using recipe on a digital tablet 2021 08 31 08 42 23 utc 19 Ways to Make Money Online for Beginners without Paying Anything

Etsy is a great place for selling digital products but recently has become overrun with people trying to make a quick buck, but still worth giving it a go. There still are lots of people making good money on Etsy selling digital products.

You could also create your own online store using WordPress or another website builder.

14. Make and Sell Printables

If you’re looking for a fun and easy way to make money, why not try selling printables and Cricut templates online? All you need is a printer and a cutting machine, and you can create high-quality products that people will love.

You can sell your designs on sites like Etsy or make your own website to showcase your work. There are endless possibilities when it comes to design, so let your imagination run wild! And who knows, you might just make a killing!

I’ve got friends who make $10k/month selling what they make on Etsy. Go for it!

15. Sell Print On Demand Products

Designing and selling print-on-demand and personalized products is a great way to make some extra money or even start a full-fledged business. And with today’s technology, it’s easier than ever to get started.

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There are a few different ways to go about creating personalized products, but the easiest is probably print-on-demand (POD).

With POD, you can create custom designs and have them printed on a variety of items – from T-shirts and mugs to phone cases and pet collars.

The best part is that you don’t need to order large quantities of products upfront; you can just print what you need as you receive orders.

Printify is one of the best platforms to sell print-on-demand products. Others include Printful, Redbubble and Teemill.

16. Sell Products on Amazon

Amazon is the world’s largest e-commerce platform, with over 310 million active users. For businesses, selling on Amazon can be a great way to reach a large audience of potential customers.

One of the benefits of selling on Amazon is that it can help businesses to expand their reach. With Amazon’s vast customer base, businesses can sell to buyers all over the world.

Amazon Selling

Amazon offers a convenient fulfillment option known as Amazon FBA. This service allows businesses to store their products in Amazon’s warehouses and fulfill orders with quick shipping times.

This can be a great option for businesses that want to focus on marketing and leave the logistics to Amazon.

The main options for selling on Amazon are:

  1. Physical products
  2. Print-on-demand products
  3. Books and eBooks through Kindle Publishing
  4. Audiobooks through

If you want to learn how to be successful on Amazon, the keyword research software Helium 10 has an amazing free course that comes with a software subscription. It is well worth it, plus you can get a free trial if you sign up with my link: Helium 10 and Freedom Ticket

If you don’t have any money and you really want to launch a product on Amazon without paying anything, try out Amazon Merch or create a book to sell on KDP.

Also, have a look at my guide to making passive income on Amazon.

17. Become a Life Coach

If you’re interested in becoming a life coach, there are a few things you need to do in order to get started. There is no shortage of free materials and training available online to help you gain the skills you need to get started.

  1. Get some training
  2. Decide what area or areas you want to coach people in. This could be anything from relationship coaching to career coaching.
  3. Decide on your niche
  4. Start branding yourself online. This means creating a website and social media profiles that showcase your life coaching services. You should also consider creating online courses or writing books related to your chosen niche
  5. Once you have a strong online presence, you can start selling your services to clients. You can also join online entrepreneur groups and collaborate with other coaches to help promote each other’s businesses.

18. Sell Stuff Online

Selling your stuff can be a great way to make extra money, clear out clutter, and potentially discover a new passion for entrepreneurship

  • Sell clothing – Poshmark, Vinted
  • Collectibles, tech, musical instruments (and nearly everything else) – eBay, Craigslist
  • Cars, furniture and larger items – Facebook Marketplace

Good luck with your sales, just watch out for scammers!

19. Earn Cashback and Rewards Online

There are many ways to earn cashback and rewards online. One easy way is to sign up for a direct deposit service like Drop.

With Drop, you can earn cashback on your everyday purchases at any of their partner stores. Plus, you’ll also get automatic entry into sweepstakes and other exclusive offers.

Some rewards programs even offer bonus points for completing certain tasks, such as signing up for a trial subscription or taking a survey. In addition, many rewards programs have partnered with popular brands, so you can often earn points by shopping at your favorite stores.

drop How to Make Money Online for Beginners - 54 Easy Ideas

Another great way to earn cashback and rewards is with a cash-back credit card. Some cards offer up to 5% cash back on all purchases, and many have special categories where you can earn even more cash back.

You can also use apps like Ibotta and Shopkick to earn rewards at select stores. And finally, don’t forget to sign up for loyalty programs at your favorite stores.


There you have it – you can get started making money online right away, even if you have zero money to invest!

As you can see, there are many options to choose from for every age and skill set. And there are many more ways to make money online than what’s listed here.

The important thing is to get started and not get overwhelmed. Pick one or two of these methods and give them a try. And remember, the more you diversify your income streams, the better off you’ll be.

So what are you waiting for? Get started today and start earning money online!


What are best ways to make money online for beginners?

One of the easiest ways to make some money online is by renting out your space. Apps like allow you to rent out any space for others to store items. This could be a garage, driveway or even your attic!

Do you need lots of skills or experience to be successful online?

This is certainly a concern for many, but there are lots of opportunities to make money with zero skills required.

How can I make $100 a day online?

There are plenty of ways to make money online these days. Whether you’re looking to earn a few extra dollars or save up for a big purchase, there are options out there for you.

Here are just a few ideas to get you started:
– Sell your old clothes, textbooks, and other items you don’t need anymore on sites like or
– Provide your services as a tutor or pet-sitter through websites like or
– Do odd jobs for people in your neighborhood through TaskRabbit or Fiverr.

Complete short online surveys and receive payments for your time through panel companies like or
With a little effort, you can easily make an extra $100 dollars a day online – and have some fun while doing it!

How to make $100 dollars a day online as an artist?

If you’re an artist or creative person, you may have struggled to make a good living. Even though you have loads of talent, it can be hard to find ways to monetize your creativity. However, there are plenty of opportunities to make money online as an artist.

One way to do this is to sell your artwork through an online marketplace. You can also offer your services as a graphic designer or illustrator.

Another option is to create and sell digital products, such as ebooks, courses, or templates. And if you have a knack for promoting and marketing, you could launch an online store or blog to sell your products.

With a little effort and creativity, you can easily make $100 a day online as an artist. So don’t give up – keep pursuing your dreams, and you’ll eventually find success.

Can I make money online without a computer?

Yes! If you have a smartphone many of the ideas in this post will work. If you don’t have access to a computer many libraries have computers you can use and it’s possible to set up a small business in as little as 1 hour per day.

How can a beginner make money fast?

Yes! Making money online fast is certainly possible, but not always the best way to build a long-term income. Here’s a list of ways you can quickly get started earning cash today:

ADHD Body doubling
Rent your electronics, clothes, furniture, or other stuff
Rent Your Car
Rent Out a Room in Your House
Bank hop 
Sell your unused gift cards
Become a Transcriptionist
Do Data Entry Online
Sell your unused internet connection
Participate in market research online surveys
Sell your clothes, shoes, or accessories
Earn cashback and rewards online
Monetize your location data
Trade in old phones or unused technology
Sell what you make on Etsy
Create original digital products
Complete micro tasks
Answering text messages
Become a Virtual Babysitter

Dan Chadney

Ever felt like your business should be getting more attention online? I felt the same way until I learned how to leverage SEO and digital marketing tactics to scale my e-commerce business to 6 figures per year. My name is Dan Chadney and before starting this blog, I spent 20 years as a web designer, front-end developer and SEO marketing specialist. Check out my online business guides and learn how to make money online!

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