How to Make Money Online Without Investment

how to make money online without investment

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Do you want to make money online without spending a dime?

The internet is swarming with thousands of job opportunities that can provide a legitimate income as a full time or part-time work without any capital. But can you actually make money without spending money? The reality is that you will still need to spend money on a stable internet connection, a computer, and you may also have to pay for some services or acquire some skills that will cost you some money. So, while there are many ways to make money online without investment, you may have to spend some cash after getting the job for free.

Beware of scams camouflaged as legitimate job opportunities. If a company asks you to pay before you can work, request for your bank details, or asks for your personal information; run and never look back.

Additionally, making money online is hard work. Don’t believe anybody who says you can make $30,000 per month working in your pajamas from the comfort of your couch. Making money online requires as much effort as making money offline, and you need a strong will to succeed, passion, and resilience to see the desired results from any online money-making venture.

Here are some of the best ways to make money online without making an initial investment



Blogging is one of the most lucrative ways of making an income online with little or no capital. But first, you need to identify a niche you are knowledgeable and passionate about, and also be able to do keyword research to find out what people are searching for in that particular niche.

The best blogs are owned by people who have expert knowledge in a particular field and can dole out their knowledge to help people solve practical life challenges, educate, inform, or entertain. If you have these qualities, you are as good as done, but you need one other important quality.

Blogging requires creating highly engaging, relatable, value-adding content that will establish you as an authority in that niche and make readers glued to you permanently.

Also, you need to have access to blogging software, but the good news is that you can use a free blogging service and build a free website in few minutes to kick-start your blogging activity.

Now, you may be wondering how all these translate to hard cash in your pocket? Bloggers make money from ads on their blogs. But nobody will place ads on your blog if they are not sure of your ability to deliver new leads and increased revenue. Choose a niche that you are capable of providing value for readers consistently. With time, people will trust you and start referring others to you as the go-to resource on topics about the niche.

You make money when people click the ads on your blog, and the more traffic you have, the higher your chances of making money.

However, you need to bear in mind that it takes time and patience to cultivate a large following online. You must continue to provide readers valuable content and engagements, but it will pay off if you persist. There are hundreds of bloggers making impressive five-figures per month blogging, and you can replicate that feat as well. Remember, traffic is key to your success as a blogger no matter how lucrative your niche.

Freelance Writing


If you are good with words and love creating stories, you may as well turn your hobby into a source of income. As a freelance writer, you offer your writing expertise to businesses, organizations or individuals who require creative content as part of their marketing or sales strategy. As a freelance writer, you may not need any other investment other than a working internet connection and a reliable computer system.

As a freelancer, you could be writing on a diverse range of topics or specialize in a specific niche, but setting up yourself as an expert will help you command higher rates and respect for your writing skills.

One of the easiest ways to start making money as a freelance writer is to register with a freelancing site such as Upwork, Fiverr or PeoplePerHour. These platforms bring together freelancers from different professions and backgrounds and clients who are looking for these types of services. Once you’ve registered, you may have to fill your profile, including your picture and skills, as well as a mode of payment. Getting jobs on these sites may require sending clients proposals and bidding, but you can make a modest income if you have the right skills and stay consistent.

If you want to turn up your writing career a notch, you can build a writer’s website and then solicit for writing jobs privately. This method is the best way to make it big as a freelance writer, but it is also the hardest. However, you can make six-figures as a freelance writer working directly with your clients.

As a freelance writer, you can keep your day job while making a side income from writing in your spare time.

Help Suppliers Find Buyers

Companies such as Share-A-Sale and AmpliFinity pay referral fees when you connect vendors with buyers on their platform. With this arrangement, all you have to do is locate people that need whatever products or services the vendor or merchant is selling, and you receive a specified amount of money when the buyer meets the supplier or when the transaction takes place.

Affiliate Marketing

affiliate marketing

If you already own a website or blog, you can start an affiliate program where you help vendors sell their digital and physical products for a commission. As an affiliate, you help other people promote their products and brands, and you receive a commission whenever people buy the products via an affiliate link on your website.

Affiliate marketing requires creating promotional content for the products you are trying to sell, which means you need to have some writing skills or be prepared to hire a writer to create the content on your behalf.

You can also make money as an affiliate by reviewing products. For this, it’s advisable to have a review website that is dedicated to showing your readers the features of a particular product and why they need it in their lives. It’s important to choose a niche that you have an in-depth knowledge of, and be sure, to be honest with your audience. If your audience doesn’t trust you, they will never hand over their credit card details to you.

Stock Photography


One easy way to earn money online with zero investments is selling photographs for money. Unique stock photographs are in high demand as new online businesses spring up every day. If you have a good smartphone with a high-resolution camera, you are good to go. Websites such as Shutterstock, iStockphoto, and Dreamstime allow photographers to post almost any picture on their platform where people who need them can pay to download the pictures.

Be sure to avoid submitting readily identifiable faces, copyrighted art or trademarked brands. All you have to do is set up an account, upload your stock photographs, and get paid whenever people buy your pictures. Dead easy!

You can also make money online if you have skills such as accounting, website design, graphics designs, and others. While gaining access to these opportunities may not cost you a dime, you may still need some form of investment before you start making money. The important takeaway is that you can exploit your skills and talents for monetary gains without having to spend a huge amount of money.

I hope you enjoyed this post and if you have any questions about making money online or you just want to leave your own personal experience, leave a comment below. I would love to hear from you!

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About Moni

I'm Moni, founder of Online Income News. This site was created to help you learn how to make money online. My team and I search and review online money making or business opportunity programs. I only recommend programs I feel are top legitimate making money programs. I also tell you which ones to avoid. You can learn more on my About Moni page. Feel free to connect with me through this site or through the social media icons in top menu, and If you want to LEARN and EARN on the internet from the comfort of your own home from anywhere on the planet check out My #1 Recommended Program

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2 Comments on “How to Make Money Online Without Investment”

  1. Hi Moni!
    I am so glad that I found this post, as I have been wondering about some reputable companies to try a sell some of my photos! Have you tried any of them? Would you suggest that I submit just a few at first?
    I would also like to mention that it is indeed true that it takes a lot of hard work when creating a blog and website, but persistence truly does work. Thanks again for the promising information!

    1. Hi Colleen, thank you for stopping by and taking the time to leave a comment.

      I personally have not uploaded any photos on those sites however I do have a friend who is a photographer and she does well through these sites.

      Give it a go by uploading a few photos. What have you got to lose?

      Wish you much success. Come back and share your experience with us and our readers.

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