Philip Taylor, aka "PT", is a CPA, blogger, podcaster, husband, and father of three. PT is also the founder and CEO of the personal finance industry conference and trade show, FinCon. He created Part-Time Money® back in 2007 to share his advice on money, hold himself accountable (while paying off over $75k in debt), and to meet others passionate about moving toward financial independence. He uses Personal Capital to track his wealth. All the content on this blog is original and created or edited by PT.

For anyone who would rather focus on their product, marketing, and sales than on maintaining the website for their online store, this kind of ecommerce service is invaluable. You get the beauty and functionality of a website designed by a professional web developer without having to shell out the money for one. Not to mention the fact that you will not have to spend time or money troubleshooting bugs in your website when you use the well-designed turn-keys offered by BigCommerce.


If you're running on fumes, financially speaking, but you have some money coming your way soon, consider pawning something of value to borrow fast cash. Of course, to get those items back you'll need to pay back the loan with interest. If you don't pay it back in time, that you'll lose the item. If it's really something that has a lot of intrinsic value to you, don't do it. But if it's something that doesn't, you can certainly consider it depending on your situation.

No matter what method you choose to make money online, understand that you might be able to make some money fast, but for the sizable returns, you'll need significant sweat equity. However, a year from now, you'll be happy you started today. Remember, time is far more valuable than money. Focus on creating passive income streams that will free up your time so that you can quit the rat race and focus on the things that matter. 

Become a freelancer in an area where you have expertise. If you have a skill that’s in demand, you can sell your services directly to clients who need them. Advertise your services on a personal website and look for freelancing jobs on sites like Upwork, Freelancer, and Fivrr. Additionally, hand out business cards and encourage happy clients to tell others about your work. Here are some ways you can earn money as a freelancer:[8]
Whether for high school students or adults, you can monetize your expertise by teaching people with less experience or knowledge than you in that subject area. You can work with an established group like Kaplan for, say, SAT tutoring, or you could try hanging out your own shingle and making your services known either to students, parents and schools in your community. If you are targeting adults, you can create your own website or list your services with adult tutoring companies.
That means that if you have extra money just sitting idle, either in a checking account or a low yield savings account, you might be better suited to put those funds into something that can grow faster. Depending on your age and how much risk you are willing to take with your investments, you should be netting around 7% growth per year with a balanced portfolio. Of course, there will be ebbs and flows (and you won’t make money every day), but investing over the long term is one of the best ways to build long-term wealth.
Gengo. Gengo is a beginner-friendly platform that covers a range of subjects and project types. Pay tends to be on the low side, but payment is frequent and predictable – it comes via PayPal twice per month. Experienced and prolific translators can become Senior Translators, who command higher pay rates and are responsible for evaluating and editing entry-level translators’ work.

If you’re a website or blog owner, you can sell a portion of your page space to advertisers and earn money passively each time the ads are clicked on by your target audience or visitors to your website. While the actual placing of the ads is completely free, the earning capacity of cost-per-click (CPC) advertising is based on the level of traffic to your site and the cost per click and click-through rate, or CTR. The most popular way to earn money today through advertising clicks is through Google AdSense or similar advertisers.
If can’t afford to buy a website there are just as many opportunities in buying and selling domain names. The people who do this are referred to as domain flippers. The principle is the same – you buy a domain for as little as $10 and flip it for several times that amount. Do companies still pay thousands of dollars for a domain name you own but they want? Absolutely.

High-ticket consulting or coaching: You could sell your own high-ticket consulting or coaching products from your website. You'll still need a website, merchant account, sales funnel, lead magnet and many other items. But you can easily earn a substantial amount of money from each individual customer, making it well worth the arduous setup required. 


Accommodate Multiple Forms of Payment. Many deal-seekers carry cash, but you want to accommodate every potential buyer. So in the days leading up to the event, consider purchasing a point-of-sale system that can accept credit cards. Square is a popular and relatively cost-effective option. It doesn’t cost anything upfront and bundles credit card processing fees into one relatively low fee: 2.6% plus $0.10 per transaction, for a net of $97.30 for every $100 charged. It’s a small price to pay to capture the ever-growing cashless consumer demographic. On the day before the sale, visit the bank and grab $100 in small bills and coin rolls to ensure you’ll have enough change for buyers who do prefer cash.
19. eBay – Of course you can’t read an article about making money online that doesn’t mention eBay. You can start an eBay store and get serious about it or you can just sell some stuff to declutter your home. Either way, I’ve made my fair share from selling on eBay and it’s still a popular way to earn money. If you decide to start an actual eBay store, you’ll want to find a drop-ship business like Doba that will store and ship items straight to your customers so you don’t have to deal with an inventory.
MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited (registered in England No. 3157344) is MoneySupermarket House, St. David's Park, Ewloe, Chester, CH5 3UZ. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited.
Here’s a good example of how lead sales can work in real life: My second website, Life Insurance by Jeff, brings in a ton of traffic from people who are searching the web to find answers to life insurance questions. While I used to have the website set up so I could sell these people life insurance myself, it was a lot of work to process all the different requests and clients. As a result, I started selling the leads I gathered instead.
There's a proverbial gold rush happening today, of people trying to launch chatbots for their businesses to help automate some of their sales and marketing efforts that are needed to properly grow and scale in today's market. However, similar to California's Gold Rush, those that will likely get rich are the ones that sell the picks and shovels. For that reason, why not launch your own chatbot business? Sure, there's some effort involved here, but this is definitely worth the steep learning curve.
If you're at all scarcity-minded, it's important to understand how much abundance exists today. Considering that virtually every brick-and-mortar store has made the transition to an online business, there's certainly no shortage of competition. But there's also plenty of so-called blue ocean. While most might make it out to seem like Amazon is the only company reaping the benefits of the ecommerce boom here, the growth is widespread and across every single sector in business.
Keep in mind though, you don’t need a website to do sponsored content since you can also get paid if you have a lot of social media followers. My wife has a pretty big Instagram following, and she gets all kinds of sponsorships. Not only does she get paid in cash, but we get a lot of free stuff, too. We’ve received free rugs, free lights, and free carpet cleaners. She only promotes things she loves though, so this strategy works really well for her.

Buy and Host Your Domain. Your domain name should be catchy and relevant to your niche. It should also roll off the tongue and sound as similar as possible to your site’s actual name. If the domain isn’t yet registered, you can probably find it on GoDaddy or a comparable domain warehouse for less than $15 per year. Already-registered domains can cost hundreds or thousands of dollars, depending on the quality of the name. Already-built sites can cost tens or hundreds of thousands of dollars, depending on traffic, revenue, and other factors. High-performing domains are out of reach for low-budget flippers.
I know what you're thinking. How do you start a webinar business? Well, webinars are quite possibly one of the best ways that you can sell anything online. The best part? You don't even need your own product. Webinar guru, Jason Fladlien, co-founder of Rapid Crush, has grossed well north of $100 million in sales via webinars, which goes to show you the sheer power of this medium for selling.

You can sell your ebooks through Amazon's Kindle program or Apple's iTunes Connect, which gives you access to a large majority of the digital-book reading market and the barriers for entry are incredibly low. You don't need to invest lots of money to make this happen, but you do need to invest lots of time, not only in writing the ebooks, but in marketing them as well.

I have tried to sign up & complete cash for surveys in the past and then felt like I was being led down a rabitt’s hole, going from one “skip” and/or “submit” to another without ever, seemingly, actually completing the entire process.  So, when I saw CashCrate recommended in ptmoney.com, I thought it was going to be more straight forward, but, alas, no, I entered the rabitt’s hole once again, coming up for air only after an entire hour spent hopping, skipping, and jumpring all over the place, netting 25 cents in earnings!  Has this been anyone else’s experience and what has been done to remedy the situation?  It seems like there must exist an insider’s trick or, at least, know-how that I am missing. 
I really like the idea of writing poorly written ads. It seem like it can be easy and you can make a small profit. I know that use to work at a school and we got our extra money from writing grants. People can write grants to start a business so I am in the process of trying to write my own grant to start a community program for teens. its a litte extra money and I still get to do what I love. If you have any kind of hobby you can prob. turn that into some income if you can get creative. Good luck

I have started with affiliate marketing and focusing on becoming an authority website. All I realized in this process is the difficulty in becoming an authority website. It is not so easy but never impossible. So, I am putting hard work with smart work and trying as much as possible to boost the authority of my website. Hope, affiliate income starts rolling out soon.
If so, chances are good that you are not earning as much interest on your savings as you could (and should) be earning. At the time of this writing, the average annual percentage yield (APY) on a savings account in the United States is 0.09%. That means that $1,000 sitting in a savings account will only earn $9 in interest if it sits there for an entire year.
Hello Philip–good list but  most of the activities are so cliche and yet more creativity could be better employed here…this would make me work more hours for a little more pay and still keep me in the debt circle for so long. it would require me to worker harder so that i can make more money and yet am at the point where i want my money make more money with me getting less actively/ physically involved. Some call it ‘Working Smart’ unlike traditional options that have often helped many to stay afloat without helping them soar to financial growth and prosperity. Thanks though
While I think that your initial response to Phillip’s suggestion about design was a little too strong, Dasjung, I’ve got to chime in here and observe that Phil, ThunderCock and Dumbass, by resorting to name calling and simplistic reasoning, come across as very lacking in both decorum and sensitivity.  If a guy wants to expect, even demand, high quality in his field of choice, I beleive he has a right, if not a responsibility, to do so!  Also, Dumbass, be careful who you call Dumbass. You just show YOUR true colors by doing so. 
With just a few paint and stencil supplies you could walk the neighborhoods with curbs and solicit your curb number painting services. Obviously, you need to be somewhat handy with a can of spray paint and stencils, otherwise, you might have people coming after you if you mess up their curb. However, there is a business for this as people are out there making it happen.

Next come the nuts and bolts: choosing and buying a Web domain, hosting and designing your site, and planning content. While this is a lot of work to put in before publishing your first post, resist the temptation to cut corners. You’re laying the foundation, hopefully, for a long-term endeavor. Once you’ve created a quality site and built a following, there are plenty of ways to make money from your blog.
Teaching and tutoring English as a second language is a great way to make money online, not to mention open some doors for you to travel the world if you’d like. While full ESL (English as a Second Language) accreditation is recommended, as long as you’re a native speaker and have the ability to teach, there are people in countries such as Hong Kong or the UAE who are willing to pay upwards of $25/hr for you to tutor them English via Skype. Check out Indeed, Learn4Good and Remote.co for remote english tutoring jobs or sign up on a specialized site like VerbalPlanet or Chegg Tutors.

Startup costs: Freelance writing is another of those service-based businesses with very low start-up costs. There are tons of places online where you can find clients for free. At worst you can sign up for an Upwork account for $10 per month, just don’t plan on staying there forever. The most lucrative writing projects are rarely found on platforms like Upwork.
Some companies like 1-800flowers.com outsource customer-service operations to third-party companies who then hire home-based workers or "agents" to take calls and orders. When you call 1-800-flowers, you may be speaking with Rebecca Dooley, a retired police officer and employee of Alpine Access, a major call-center service. When you dialed the number to 1-800-flowers, your call was automatically routed to Rebecca's spare bedroom in Colorado.
People often have very unique reasons for wanting to start a blog and make money from home. Some blogs, like this one (DollarSprout), are meant to be informative resources for readers. Other bloggers may opt to share personal sides of their lives. For instance, many people will start a blog to document their fitness journey and inspire others along the way.

If you’re a website or blog owner, you can sell a portion of your page space to advertisers and earn money passively each time the ads are clicked on by your target audience or visitors to your website. While the actual placing of the ads is completely free, the earning capacity of cost-per-click (CPC) advertising is based on the level of traffic to your site and the cost per click and click-through rate, or CTR. The most popular way to earn money today through advertising clicks is through Google AdSense or similar advertisers.
With drop shipping, you’re effectively partnering with a manufacturer or wholesaler to sell their products. This way, you don’t pay upfront costs to buy inventory, aren’t sitting on unsold items taking up expensive warehouse space, and don’t have to deal with shipping the products yourself. You simply create your site, fill it with drop shippable products, and drive in customers, with almost everything else done for you.
As more people want to establish their presence online no matter what their reason, the demand for WordPress themes and website templates continue to rise. Do you have a talent for designing websites and html coding? If so, you can make big bucks from creating attractive website themes. Create them and then sell them on marketplaces online like ThemeForest and TemplateMonster to generate a nice passive income for yourself depending on just how talented you are.
Your blogging journey begins with an idea. This is an early make-or-break decision for your blog – if it’s not entirely unique, your idea must at least be sharper and more compelling than your competitors’. You should know your blog’s subject matter cold – ideally from personal experience or formal training – and have no trouble writing fluently about it.
You won’t be able to sell the card for its face value. But you may get as much as 90% of that value. Start your resale process at GiftCardGranny.com, a comparison site. It will give you a good sense of how much your card will be worth. When you sell the card, the site will generally cover the cost of shipping the card to them. And you’ll receive your payment within three to seven days.
Manuscript Editor. Looking for a longer-term engagement? The self-publishing boom has created an unprecedented demand for manuscript editors – specialists who help writers organize and sharpen book-length works before publication. Depending on your clients’ budgets, manuscript editing can be lucrative, though it’ll likely take time to build your reputation to the point that you’re working with accomplished writers. Entry-level opportunities abound on reputable freelance platforms and with niche publishing houses.

If that approach doesn’t interest you then head over to Google Trends and look for a trending topic. Ideally this will be something you find interesting, but that’s not an absolute requirement here. Then create a piece of content on that same topic, sign up for a free WordPress account and post it there. Voila – you now have one “clip” for your writing portfolio.
Online focus groups are closely related to online surveys, and in some cases, the same companies administer them. Like in-person focus groups, online focus groups require more time and concentration than online surveys. Configurations vary, but you generally have to join a panel and engage on a certain number of issues per week or month. Online focus groups are often more selective than online surveys – if you don’t meet specific demographic or income criteria, you may not qualify.
1. No Experience or Interview is needed - This is the primary thing you would get a relief from. Nobody would talk with you with strange or precarious inquiries that influence you to go insane. Nobody would get some information about your capability or experience. Telecommuting provides an opportunity to pick your own activity. You simply require your psyche, chipping away at awesome pulls with extraordinary ideas. And the energy to do the thing, which you like most.
The sad truth is that for all the SEO consultants out there who know exactly what they’re talking about, there are hundreds of others who are clueless, money-grabbing sharks. Their sole focus is on getting customers signed up to a 6-month retainer based on promised results. They then kick their heels for the first few months, pocketing cash for doing nothing.

But cutting costs only goes so far. Unless you already make a lot of money and spend like a bon vivant, most people can’t eke out that much more from their budget by decreasing expenses. Plus, the more you retrench, the more your quality of life suffers. (It’s all relative, though — certainly some overspenders could actually improve their lives by tempering their expenditures. Here are 101 ideas for saving money.)


Create a Home Office Space. First things first: You need a professional setup that helps, not hinders, your prospecting activities and writing work. If you don’t already have one, set up a home office – anything from a spare bedroom to a corner of your living room – with a comfortable chair, spacious desk, ample lighting, and physical storage space for papers. Buy a reliable laptop with a reputable word processing suite, like Microsoft Word, and video chat capabilities via Skype or a cloud-based phone system. Strongly consider investing in a printer. Upgrade to the fastest consumer Internet package your Internet service provider offers. Purchase a lightweight cloud accounting program such as Quickbooks or sign up for a free version. You’ll need it once you have more than a few clients. Note that many business-related expenses qualify for tax deductions.

29. Videos – This could be an entire section on it’s own. Many people have made money by creating YouTube videos. Evan of EvanTube is a kid and he has made millions by creating reviews of products that other kids his age would use. It’s not easy to get views into the millions, but once you do, you’ll start seeing some cash come in. Many bloggers have completely turned to videos to get their point across by starting a video blog.
Create passive income. If you have money saved, you can utilize this as a nest egg to create passive income. There are many ways to create passive income, with the easiest being to open a high interest savings account, which offers a much higher return than a normal savings account. Investing in stocks can also provide you with a passive income, but requires up front research and stringent monitoring of your portfolio.
If you live in an area where Uber or Lyft operate, why not become a driver? If you're looking to make some short-term cash, you can definitely rake it in by working for one of these popular car-hire apps. As long as your vehicle fits within the specifications of their program, and you have a clean license, you could do this on the side, especially if you're in a crunch for cash.
As someone who's been immersed in a number of online industries for quite some time, I know a thing or two about what it takes to succeed in this arena. However, just like you, I started at ground zero with little knowledge, but a great deal of passion. What I learned along the way were some invaluable lessons from failure that hurt at the time, but helped immensely in the grand scheme of things.
Billshark: This service specializes in negotiating common monthly bills. While they don’t claim to be perfect, Billshark says that they have an 85% success rate negotiating bills for cable and satellite TV, cell phones, internet, satellite radio, and home security. Pricing is simple: whatever they are able to save you via negotiation, they take a 40% cut. If they can’t lower your bills, you don’t pay them. Billshark Review
Next come the nuts and bolts: choosing and buying a Web domain, hosting and designing your site, and planning content. While this is a lot of work to put in before publishing your first post, resist the temptation to cut corners. You’re laying the foundation, hopefully, for a long-term endeavor. Once you’ve created a quality site and built a following, there are plenty of ways to make money from your blog.

Sell stuff online. If you have high-quality items to sell, there are a slew of online marketplaces you can use. Just make sure you understand the fees associated with your sale before you take the plunge. Where neighborhood Facebook pages and Craigslist ads are free, many online marketplaces or consignment shops charge for ads or require you to fork over a percentage when you make a sale.

BigCommerce is a turn-key solution for online entrepreneurs that gives you a number of built-in features, including several marketing options that allow you to find (and woo) your target customers. Also, their product comes with integrated education to help you make the most of your online store. And you’ll get excellent loading speed, payment security, and site functionality.

If you’re a fitness buff and have the right combination of charisma and business sense, working as a part-time online personal trainer can be both physically and financially rewarding. Once you build up a reputation and client base for yourself, it could easily turn into a full-time endeavor for you. Check out a few of the top fitness blogs and observe how they make money online from their content sponsorships, affiliate earnings and product sales.
Rover is a dog walking and pet sitting website that is always looking for qualified dog walkers in cities all over the United States. So when you take your pup on a walk, you can also take a second (or third) dog with you and get paid to walk. You’ll need to be 18 years of age to get started, so it’s not a great job for teens or kids. For adults, 30-minute walks generally fall in the $10-$30 range. With a neighborhood route, your earnings can add up quickly. 
Launching and building a vacation rental business might require some sweat equity along with the right turnkey software solution to help you keep things organized as bookings ramp up, but if you have an acute attention to detail, then this is by far one of the best businesses you can start online. Of course, this does operate in the real world, but your web presence and marketing skills are really what define this business and helps it to succeed.

 Of course, I appreciate your response to my grousing and since I’m in my 2nd half of life, I know fully well that any new endeavor requires patience.  It is not being excited about the prospect of making money; it is the frustration of being led down numerous rabitt holes.  Instead of a straight forward survey, one just seems to spawn countless other questionaires. 


The rise of the chatbot has been extraordinary to witness. Thanks to the ubiquity afforded to us by chat on platforms like Facebook, we've grown quite used to chatting with friends and family across all our social media networks. That's why AI-powered chatbots present a new digital frontier for businesses looking to automate and relinquish much of the man-power it takes to have a chat with its customers.

Rent out a room on Airbnb. Living near a tourist area has its perks, including the prospect of renting out a room for a profit. With home sharing sites like Airbnb, you can rent out a room in your home – or even the entire place – for a day, a week, or longer. If you have extra space and might enjoy the company of travelers, renting out a room is great way to earn some extra money with little effort on your part. See our post, “How to Make Money as an AirBNB Host.”


Venue. When you’re first starting out, choose reputable, high-visibility venues for your classes. Don’t expect students to find their way to your personal or professional website before you’ve built a reputation for yourself. Udemy is a great option for budding at-home teachers looking to earn real money from their work. YouTube is another viable option, though you can’t directly charge people to watch your YouTube videos. You’ll need to monetize them indirectly (we explain how in Section 12.)
Remote call center opportunities are more varied than remote technical support gigs. Many call center companies serve as outside sales contractors for companies without internal sales teams of their own. As an at-home operator, you work as an independent contractor charged with selling on the client’s behalf. If you’re personable, persuasive, and believe in what you’re selling, there’s real money to be made in this niche. However, since independent sales agents are usually commission-based, you may struggle to earn a respectable keep if you’re not a born salesperson.
As internet-based businesses go, affiliate marketing has huge income potential. And as mentioned earlier, once it’s set up properly the income from it can be almost 100% passive.  In fact, this is how I quit my job originally.  I built lots of little niche sites that eventually were bringing in income of over $10,000 a month!  So, I say “Adios!” to my day job and I’ve never looked back.
The audiobook industry is booming, yet only 5% of books ever get made into audio format. If you’ve got a background in acting, or if people have said you’ve got a voice made for the radio, you can make extra money recording audio versions of independent and popular books. Sites like ACX connect authors with audiobook performers. So, whether you’re an author looking for more ways to sell your book, or an actor/voice actor looking to make some extra income, you can sell your services online.

Jumping into the field is relatively simple. Most prospective transcriptionists start by taking an online transcription course that teaches them the skills necessary to perform common job duties. Companies, such as Transcribe Anywhere, offer classes that teach students the basics of general, medical, or legal transcription, and just as importantly, how they can go about finding clients for work.
@moxie1956 Thanks for sharing your experience with CashCrate.com. That’s certainly disappointing to hear that you weren’t able to make the $50-$75 a month that I expect. Maybe they are just going through a seasonal downturn or something. Like I mention above though, the real money with Cash Crate comes in the referrals. Find a way to consistently refer a large amount of people to the site.

I know what you're thinking. How do you start a webinar business? Well, webinars are quite possibly one of the best ways that you can sell anything online. The best part? You don't even need your own product. Webinar guru, Jason Fladlien, co-founder of Rapid Crush, has grossed well north of $100 million in sales via webinars, which goes to show you the sheer power of this medium for selling.
Ever since the idea of online auctions came into existence, the online selling market has been on the rise. Many are interested, but don’t know how to get started. There are still all kinds of ways to make money by selling online, whether you’re selling what you already have or buying and selling like a store. Before we get started, here are a few general tips when selling anything online:

Rather than making money through subscriptions, YouTube channels are based on a traditional advertising system. Meaning the more viewers you get, the more you make. Once you’re approved for the YouTube Partner Program and can start including ads on your videos, with every 1,000 views, you will make approximately $2-$4. Which might not seem like a lot, but if you have 100 videos with 5,000 views a month each, that would be $1,000–$2,000 already. Just imagine if your videos start hitting millions of views!
Starting a podcast, like making a YouTube channel or blog, comes down to telling interesting stories and building an engaged audience. I’m probably sounding like a broken record by now, but you need a niche that you’re interested in and there’s already a demand for. Come up with a list of topics you’d like to talk about and then search iTunes charts, Google Trends and other podcast research sites to see what’s currently out there and popular.
UserTesting’s website testing gigs do require focus and rigor, but they’re far shorter and don’t need to happen simultaneously, making them much easier to fit into your schedule. They don’t pay quite as well as game testing, though. If you’re diligent, you can reliably earn $20 per hour, though the overall work volume is sometimes thin. You need a decent, relatively new computer or smartphone to complete tests.
 @LauraGesicki I disagree Laura. Technology can only let an individual go so far with design. It all starts with the thought process and possessing the “designer eye.” This “eye” cannot be taught, but is rather a natural talent and ability to recognize good design from bad. Technology is merely a tool to display our ideas. Nothing beats natural talent and creativity.
If you have room to spare in your home, Airbnb could be the perfect way for you to score some extra dough. The premise is simple: see how much your space might be worth, list a single room (or the whole house) on the app, screen potential guests, get paid. Airbnb provides up to $1,000,000 worth of insurance to cover your belongings (and home) in the event something goes wrong.
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