If you want to know how to make money online without an investment–you’re in the right place.

When you earn money on the side, plus optimize your expenses, you make huge strides towards financial goals. Whether that’s building up an emergency fund or saving for a vacation.

The Internet has made it easier than ever to earn money online from home without an upfront investment or even a website. You can earn anywhere from a few hundred dollars a month to a full-time income with these possibilities.

Online Jobs Without An Investment or Registration Fee

#1) Freelance Writing

Freelance writing  has been one of the best career choices I’ve made. I started small but in a little over a year I was earning over $100 (as a copywriter and designer) an hour. You can read my full story here.

Freelance writing is a skill that’s becoming more in demand. According to the U.S. Department of Labor, the demand for writers and authors is expected to grow 6% from 2010 to 2020.

Writing is a skill that requires no prior formal experience. If you wanted to, you could take on your first client today.

But navigating the freelance job marketplace can be difficult. Especially if you try and compete the way most people do–with dozens of other writers for low paying gigs on job boards.

One of the most important decisions you’ll make is what niche to get into. If freelance writing sounds like something you’d like to try, start by downloading Gina Horkey’s list of 200+ freelance writing niches

#2) Freelance Editing

Here instead of writing you’re editing. Still a very in demand service.

#3) Virtual Assistant

I first heard the term virtual assistant (VAs) in Tim Ferris’ popular book The Four Hour Work Week. In the book, Tim discusses how to hire overseas virtual assistants for $5 to $15 an hour.

But now the trend isn’t to hire VAs for $5 an hour, it’s to find the highest quality one possible. So, think instead of doing repetitive work, you’re working for a successful business owner. Essentially being a remote executive assistant.

Working for the right company/person, you can make over six figures a year.

As with freelance writing, it all starts by getting into the right niche. Gina Horkey has another great free download to help: 150+ VIRTUAL ASSISTANT services that you can offer today

#4) Bookkeeper

If you’re detailed orientated, starting your own bookkeeping business is a great way to earn money on the side.

While rates start at around $20 an hour with some basic training, you can advance quickly in the field.

Earning $50+ per hour in as little as ten weeks.

If you like working with numbers, take the free How to Start Your Own Bookkeeping Business & Earn $60+/hr in 10 Weeks Without Going Into Debt video course.

#5) Teaching Enlgish

If you enjoy working with children, you’ll want to check out VIPKID. With VIPKID you can make good money teaching English online.

You’ll get some pretty nice benefits, such as:

  • The lesson plans and course materials are ALL provided for you
  • Earn up to $22an hour
  • Work when you want, where you want, and no need to worry about marketing your services as students are waiting for you

Interested? Click here to learn more.

5 Easy Refer A Friend Programs You Can Start Earning Money From Today

If you’re wondering how to make money online without an investment, refer-a-friend programs are a great place to start.

Many products and services you use pay you for referring friends–even if you just became a customer today.

No blog or website required.

You can put your referral link into an email or Facebook post.

A good outreach strategy is to send personal emails to close friends and family. Another place to start is with your network on Facebook.

Here are 5 sites, with generous refer-a-friend programs which are an easy sell to friends.

#1) Rakuten

Rakuten give you free money for the shopping you’re already doing.

Essentially, Rakuten allows you to share a referral fee for making a purchase through their link. So, you get a few extra percent back from your purchases from Amazon, Target, eBay, Nordstrom, among others.

Their refer a friend program is very generous. Rakuten gives you $5 for the first friend your refer who makes a qualifying purchase.

For the second friend, you refer they give you a $50 bonus.

  • First friend: $5×1 = $5
  • Second friend: $5×2 + $40 = $50

It’s an easy way to earn a few hundred dollars a quarter.

You can sign up here.

#2) BeFrugal

BeFrugal is very similar to Rakuten–giving you cashback and coupons for online shopping.

Their referral signup bonus is a bit more lucrative at $15.

You can sign up here.

Ibotta Home Page

#3) iBotta

The Ibotta app is a great way to earn money online without an investment through it’s generous referral program. 

Ibotta offers coupons on a huge list of items you’re probably already buying like eggs, milk, bread, yogurt, etc… 

Plus, there’s bigger cash back offers on brand name items pending the store. Stores include WalMart, Target, Costco, and most nationwide grocery stores.

It works by scanning the items and receipt when you’re done with your smartphone.

Ibotta offers a generous signup bonus and an easy way to earn your first $20, which is deposited into your PayPal or Venmo account.

You can then refer friends. When one of your friends receives their $10 welcome bonus, you’ll get $5.

You can sign up for free here.

Swagbucks Home Page

#4) Swagbucks

By setting your default search engine to Swagbucks you earn a small amount of money each time you search.

Plus, there’s opportunities to earn more from surveys and playing games. It’s a simple way to see a trickle of money here and there for doing what you have been.

You’ll then get $5 for referring a friend.

Plus, you yourself get a $5 bonus for signing up.


#5) Honey

Honey automatically applies the best coupon code at checkout for you.

To give you an example of how easy it is to use…

…I recently was placing an order from VistaPrint. I had forgotten I had installed Honey a short while before. When I went to checkout, it cycled through a dozen or more coupon codes. Saving me another 15% then the coupon code I had.

When you sign up for Honey, you’re eligible for their referral program.

Each friend you refer that makes a qualifying purchase nets you $5.

Sign up now.

How To Make Money Online Without An Investment: Selling

#1) Sites Like Craigslist

I used to prefer Craigslist to eBay or garage sales, as I found that Craigslist offered a way to get the highest selling price in the least amount of time. While it’s still a good place to get rid of your unwanted items, there are some great Craigslist alternatives that you should also consider. On of them is eBay, as noted below…

#2) eBay

eBay is another way to sell items. It’s a great place to sell old electronics such as phones, computers, tablets, and cameras.

Collectibles, fashionable clothing and accessories, and kitchen appliances are other top selling eBay categories.

#3) Etsy

Etsy is a similar marketplace to eBay except you’re selling items you’ve made yourself.

#4) Sell Information

If you have expertise others find valuable, you can create a course online and sell it. This used to be very hard, as you had to build your audience from scratch.

But two websites, Udemy and Teachable, now have the audience of people looking to learn. There’s all types of courses available, so it’s a great way to share your expertise no matter what that is. 

How To Make Money Online Without An Investment Using Paid Survey Sites

A great way to make money fast is completing surveys online.

There are dozens of legitimate companies that pay you for completing surveys. You can even do this on the couch every night in front of the TV.

You’re not going to become rich completing surveys. However, if $250 or so in extra income a month, without much time and stress, would make a big difference in your life, it’s a nice option.

Many of the survey sites offer signup bonuses, making the first survey you complete the most valuable. Some sites will pay more based on what’s unique about you. So, it’s best to sign up for as many as you can to maximize your earnings. 

Here are four legitimate survey companies you can start with. Here’s then a list of 12 that pay cash through PayPalI recommend signing up for all of them.


How It Works: Swagbucks is a favorite of mine,  as well as a favorite of many readers here. Not only do they offer a wide range of surveys that pay cash, you can earn points for the everyday things you do online like searching, shopping, and watching videos. In total, Swagbucks has paid out over $187 million in rewards. Even if you’re not interested in doing surveys, it’s still easy on the platform to earn decent money with what you’re already doing online today.

Payment Method: Redeem points for Cash through PayPal.

Sign Up Bonus: $5 Just For Signing Up!


How It Works: InboxDollars is another legit survey site that pays out cash. Partner companies include NetFlix, WalMart, Target, & H&R Block. In total, they’ve paid out over $50 million in rewards.  It’s similar to Swagbucks–you have access to surveys that pay cash but and can earn watching videos and making purchases through their portal.

Payment Method: Check, gift cards, or Visa PrePaid Debit Card (No PayPal)

Sign Up Bonus: $5 Just For Signing Up!

See Also: 15 Quick Ways to Get Free Walmart Gift Cards

Harris Poll

How It Works: Harris Poll is another online survey site run by the Nielsen company (a billion dollar, publicly traded company). While it’s great for surveys that pay cash, Harris Poll also sends you alerts to sign up for local focus groups where you can earn good money sharing your opinion.

Payment Method: Rewards to Cash through PayPal

Sign Up Bonus: N/A