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.
One such writer, Holly Johnson from ClubThrifty, makes over $200,000 per year from her freelance work. She too has a course that teaches others how to do the same. Expect to spend some money upfront in learning how to hone your writing skills and pitch clients. But in as little as a few days, you’ll be able to quickly generate positive cash flow as you build your resume of clients.

Instead, go with a self-hosted site (like my blog here is)—this means your blog will be hosted on your own server and you’ll have full control over it. There are tons of highly reputable, affordable companies you can choose a web hosting plan with to get your website online, like Bluehost, A2 Hosting, Dreamhost or one of these monthly web hosting services.
Trim: This financial “assistant” communicates with you via Facebook Messenger or text; there is no app. Trim can negotiate your cable, internet and/or phone bill with any provider, and claims to be able to lower your bill by up to 30% (their cut is 33% of yearly savings). Trim will also analyze your transactions so you can quickly and easily understand where your money goes and provide personalized recommendations for the right financial accounts for you. Trim Review
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.
Demands on Your Time and Personality. Tech support is a 24/7 business. You’ll likely have some freedom to set your schedule, but you’re virtually assured to have some work shifts that don’t jibe with your lifestyle. You’ll also likely be responsible for some holiday and weekend coverage, though how much varies by employer. Finally, you’ll need to be “on” and personable at all times. If you don’t think you’re capable of maintaining a sunny disposition as you near the end of an eight-hour shift, this might not be the job for you.
Outside of starting your own business, investing in the stock market has been one of the most consistent ways to create wealth over the past 100 years. In fact, since its inception in 1957, the S&P 500 has consistently returned 8% per year on average. A far higher return than savings accounts, CDs, money markets, or any number of other vehicles for saving and investing your money.
Research individual companies in your desired niche: If possible, it’s always better to become an affiliate directly with a company (if they have an internal affiliate program), as no one else will be dipping into your commission rate. This is the preferred route for most of the prominent affiliate marketers, including Pat Flynn. Unfortunately, it’s also the most work, as you’ll have to do the research yourself to see who offers programs (they’re usually listed in the website footer).
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.
Because smartphones are everywhere, the demand for new and creative apps is increasing in popularity more than ever before. Between Google’s Android and Apple’s iPhone market, people are using countless apps everyday. And, most of them are selling right and left. Taking the time to develop and sell a smartphone app may be worth your while since it’s a very lucrative way to earn money online. The apps cost almost nothing to actually develop and don’t involve any shipping or storage costs, which works to expand your overall profit margin. Well performing apps can make thousands in ad revenue each month for their creators, making them another great passive income strategy.
Fast growth usually ends badly for most businesses. Fast growth may not be manageable without the right people. Build for the future. Target small areas where you can avoid big encounters that are able to take you out of business in just a few minutes. Remember to research those ideas, make sure that the idea is feasible, and try to find a niche product with low competition and high demand, preferable something you are already familiar with. Then start implementing the idea by starting small and continue with slow and stable growth. Long term earnings are always greater than short term earnings.

If you’ve got a way with words and expertise in a niche, there are plenty of sites that will pay for articles and content you write. Think of the sites you read regularly. What can you contribute to them that would be interesting? Research your niche and then look for ways to pitch articles. Many sites will simply have a submission or contact link in the footer. To get started, check out my full guide to becoming a freelance writer on the side and then submit your articles to places like Listverse, A List Apart, International Living, FundsforWriters, and Textbroker.
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:
Ebay is a bellwether. It's been around since nearly the start of the online boom. But, like any other platform, success can seem fleeting if you don't know what you're doing. Selling items on eBay, professionally that is, can be an art form. Getting people interested in your auctions isn't always easy, especially when there's hefty competition and low demand for what you're selling.
Truebill: Once you’re done creating a free account and connecting your bank and credit card accounts, Truebill goes to work and analyzes your finances. It will find subscriptions you may want to cancel, negotiates bills on your behalf, tracks and categorizes your spending, and automates saving to help reach your goals. The app is free to download and use, but premium features come with a price. Similar to BillShark, Truebill’s negotiation commission is 40% of savings.
Fast growth usually ends badly for most businesses. Fast growth may not be manageable without the right people. Build for the future. Target small areas where you can avoid big encounters that are able to take you out of business in just a few minutes. Remember to research those ideas, make sure that the idea is feasible, and try to find a niche product with low competition and high demand, preferable something you are already familiar with. Then start implementing the idea by starting small and continue with slow and stable growth. Long term earnings are always greater than short term earnings.
According to the National Retail Federation (NRF), it's been estimated that retail business will stay on par with a 3.7 percent to 4.2 percent growth rate. However, the NRF expects non-store sales to be anywhere from three to four times that rate of growth. However, even though brick-and-mortar sales still comprise the majority of consumer's spending, it's only expected to grow at roughly 2.8%. Clearly, what's driving much of our present ecommerce growth is the smartphone market. 
Crypto currency trading is the next big thing in finance. The value of crypto has shot up in recent months with Bitcoin reaching over $18k for just one Bitcoin! You too can get a piece of the action by purchasing crypto currency from one of the bitcoin / crypto exchanges and waiting for the value to increase. I would recommend you do your research before you dive in, and don’t forget to only invest what you can afford to lose.
This is the best way to boost your earnings, as you have the most leverage at the moment that a company wants you but isn’t sure whether it can get you. Use that to your advantage in negotiations. Another benefit of getting a bump up when you switch jobs is that the percentage boost will be baked into all your future raises, elevating your lifetime earnings. Here’s how to negotiate your salary.
Do you love taking pictures and have a general passion for photography? If so, you could make a very nice living for yourself online selling your photos. There are countless people who are willing to pay you good money for your collection of unique images you have to offer. Today more than ever it’s super easy to submit your pics to the masses, which can provide you with a very convenient approach to creating a solid source of additional income. Several stock photo sites like Shutterstock and Fotolia offer enticing incentives for individuals to earn money passively from the photos they randomly shoot in their spare time.
Become a Query Machine. Once you’ve gained confidence on freelance copywriting platforms and built a modest portfolio, look for companies that actively advertise for writers – both traditional publications and companies with obvious content needs, such as PR firms. Do some research on crafting and personalizing query letters, which is an art form in itself. Then, start sending out queries to blogs, magazines, dailies, and other content-hungry organizations that fit your writing style and knowledge base. If you’re looking for byline work, each query should include a clear pitch for a single article or article series. For behind-the-scenes gigs, such as ghostwriting ad copy or press releases, condense and communicate your value proposition. Don’t sweat nonresponses. This is a numbers game, and more queries than not will be ignored.
E-Commerce Portals. The best way to improve your at-home crafts business’s visibility and credibility is to launch your own website. And the best way to monetize that website is with a turnkey e-commerce portal. Shopify is a relatively cost-effective, feature-rich option for serious sellers – you can build and maintain a decent store for $15 to $20 per month. Volusion and Squarespace are worthy, comparably priced competitors.

If you’re passionate about writing and feel strongly about certain subjects, type your way to riches by creating your own blog. Launching your own blog doesn’t require a great deal of technical or computer skills. It is important, however, that you do know what you’re talking about relative to the subject you’re writing on. Over time, you’ll start to develop an audience since people will trust your expertise and knowledge.

There are quite literally hundreds of clever ways to make money online. From taking online surveys, to renting or selling your old clothes, flipping your iPhone to someone in a different country, and even buying low-cost products locally, just to resell them for a higher price on Amazon. There’s truly no shortage of unique ways to make money online.
 @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.
Truebill: Once you’re done creating a free account and connecting your bank and credit card accounts, Truebill goes to work and analyzes your finances. It will find subscriptions you may want to cancel, negotiates bills on your behalf, tracks and categorizes your spending, and automates saving to help reach your goals. The app is free to download and use, but premium features come with a price. Similar to BillShark, Truebill’s negotiation commission is 40% of savings.
If you want to test the water, then head over to Forex Mentor Pro and sign up to their free 7 day trial and use their user-friendly trading network, where you can learn how to trade risk free with their trading simulators. They have plenty of resources on their to help you learn how to trade stocks, shares and currency. Most importantly, you’ll have mentors to actually guide you.
I know starting a blog is a way to make extra money.  I just wish it was not take so much time it is not easy. To come up with new things to write about plus getting the traffic to your site. Just like your list here no way you just set down and wrote this all at once it took a lot of research and searching your brain.  Great info and thanks for taking the time to put it all together.
Pay varies by vertical but seems to be pretty generous. JustAnswer claims you can earn upward of $35 per hour – and sometimes significantly more – if you’re an expert in a high-demand subject. Your work volume depends on the quality of your answers and the volume of questions users are asking, so you may not find as much work as you expect at first. Still, JustAnswer is ripe for multitasking, making it a perfect work-from-home opportunity.

One of the easiest ways to make a few bucks online is affiliate marketing. An affiliate is essentially someone who receives a commission for selling products for other companies, whether it’s on their own site or through another channel like eBay. The best part is that you don’t have to develop any products yourself, just sell other people’s products.


Note: There are dozens of other survey sites out there. These just happen to be the more well-known ones that have a reputation for paying out in a timely manner and having reasonable standards for cashing out. As always, be careful with your personal information. We recommend using an entirely separate email address for survey sites so they don’t clutter your inbox.
Protect Yourself With Enforceable Contracts. You don’t have to be a lawyer to draft an enforceable freelance contract. You just need to find a legitimate freelance contract template and modify it for your use. It’s fine to use a client-provided contract as long as you review it thoroughly, ask piercing questions if necessary, and seek an attorney’s advice when in doubt.
Offering to walk a group of dogs once or twice a day can really rake in some extra money. You could create signs and hang them up around libraries and churches, or perhaps take the modern approach and sign up with Rover. Rover is an increasingly popular marketplace that connects dog owners to dog walkers in their neighborhood. Check out Rover today.
Raise your hand if you love the idea of earning extra income or ditching office life to learn how to make money at home. Well, you're not alone. According to a 2017 telecommuting report by FlexJobs, the number of U.S. employees who worked from home at least half of the time has grown 115% in twelve years, from 1.8 million employees in 2005 to 3.9 million in 2017.
If you’ve got experience and expertise in a specific area of business, there are hundreds if not thousands of business owners who would love to jump on a phone call and pick your brain. This can be an easy way to make extra money online and to hone your skills to use in your consulting or freelance business. Sites like Clarity.fm let you create a profile where entrepreneurs and business owners can pre-pay to book a phone call with you for a set amount of time. Whether you’re an expert in raising money for startups, building apps, or running a restaurant, you can make extra money selling a few minutes of your time to people in need.
 @dasjung Well the creative industry needs to get over it then. Makes them sound like a bunch of cry babies trying to make the world stop revolving. Everything is a scheme to make extra money. Including the work by the most serious, professional web designer.  Every type of work has different levels of professionalism, and thank goodness we live in the U.S. where people are free to trade goods and services at the levels they deem appropriate. Free enterprise and liberty are beautiful words. I’m all for standards. I’m a CPA. But I’d never tell someone not to help people with taxes as a little side business. And that’s federal taxes! This is logo design. Logo design!My latest conversation: https://ptmoney.com/taking-time-off-work/
5. Fiverr – Fiverr is a great place to make a few bucks or spend a few bucks if you need some of the services people offer. Basically, everything is $5. You either pay $5 or charge $5. They call them “gigs.” You can offer your services however you choose. If you sell art and you’re fine selling pieces for $5 each, that’s a gig. If you’re a graphic designer and you want to offer your services for $10/hour, simply offer a 30 minute gig. If they need two hours of graphic design, they pay you $20, or $10/hour by buying four gigs.

Even in the age of automation, some jobs still require a human touch. Companies often outsource those jobs via services like Amazon’s Mechanical Turk. These jobs can be tedious — tagging images, transcribing videos, classifying receipts — and can take anywhere from a few minutes to a few hours. Pay depends on the task, and the person requesting the work gets to approve the finished product before paying you. That can leave room for scams, so do your research and join a community like TurkNation, which can steer you away from shifty dealers. Read more about doing tasks on Mechanical Turk.
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