The sharing economy has created new opportunities for regular people to put their excess capital to work. Person-to-person (P2P) lending platforms such as LendingClub and Prosper are reputable outlets for nonaccredited individuals seeking above-average returns on investment – anywhere from 4% to more than 10% annually, after accounting for nonperforming loans and the platforms’ service charges.


21. Facebook – Facebook swap shops are great for selling things locally. It’s like CraigsList, but a little easier. You simply search for swap shops in your area and ask to join the group. Once you’re in, take a picture of the item, write a quick description with the price and post it. It doesn’t get much easier than that. You can generally expect to get about what you would get at a yard sale, maybe a little more.
You can set up a website, gradually build up the content (articles, videos, podcasts, etc.), then eventually monetize the site through advertising, affiliate marketing, or even the direct sale of specific products or services. Even better, you can generally find whatever services and technical assistance you need online and free of charge. Later on, when your site develops a reliable cash flow, you can begin working with paid providers who can take your blog to the next level.
If you have a fondness and talent for taking pictures you can make extra money online by becoming a stock photographer and selling your images to a stock photo company like ShutterStock or iStockPhoto. You’ll get royalties every time someone licenses an image you’ve submitted. To really be successful, build your own photography website to be able to showcase your portfolio and start getting higher-paid private corporate work.

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.


Recording Others’ Work. If you’re a trained voice actor or narrator, or you think you have what it takes to break into the niche, you can use ACX and other outlets to find audiobook recording jobs. You’ll need to audition for each role, but once you land a gig, you’ll earn money two ways: at an agreed per-hour rate for the actual job and a shared royalty arrangement with the rights-holder and others involved in the production. If you’re a union actor (SAG-AFTRA), you’re required to charge a minimum fee (variable, but above $200) per finished hour (roughly two studio hours). On a 10-hour audiobook, that’s a minimum payday of $2,000 before royalties.
Become a freelance photographer and sell photos online. If you have a nice DSLR camera and take good photos, do photography sessions or take photos of events, like parties and weddings. As another option, create fine art photos that people may want to hang on their walls, or take stock photos to sell online on sites like iStock Photo, Shutterstock, or Alamy.[15]
Research selling prices of items similar to yours. Look up completed sales or current listings of items similar to yours. Find the high- and low-end prices, and price your object around the median price level. If you want your item to sell quickly, price it at the low end. The condition of the item also affects the price. Items in poorer condition should be priced at the lower end. Also, consider how many listings there already are of items similar to yours. If many similar items will be competing with yours, you may have to set the price lower to get the sale.[22]
The best part? You get to put a smile on someone’s face — and you get paid to do it. Though exact wages will vary, Instacart Shoppers can earn as much as $20 per hour. If you committed to a typical 40-hour workweek, your compensation would come in at just under $40,000 per year (without taking into consideration expenses like gas and wear and tear on your vehicle).
A site called User Testing will actually pay you a fee to evaluate websites. It typically pays you $10 for each video that you review – which typically takes about 20 minutes. If the work is there, and you are particularly good at it, you could earn up to $30 per hour. That’s a pretty solid pay rate for a work-at-home job. You wouldn’t have to work a whole lot of hours to generate a decent part-time monthly income.
Medium is an online community where anyone can post articles and essays and get them in front of their audience of millions of monthly readers. While it can be a great place to build your audience for your own blog or find customers for your consulting business, with Medium’s new Partner Program, you can now make money online whenever someone reads your articles. Register for free and you can choose whether your articles are freely available or only readable by those people paying $5/month for a premium Medium membership. You’ll make money based on the amount of people who read and engage with your posts each month.
My 10-year-old son brought home a book from our park’s free library box. It was a biology textbook – teachers edition. He said it looked interesting and hey, it was free (having no idea you could sell it). I scanned it in my Amazon seller app and realized it was worth around $150. He was so excited. We listed it for sale for $130 and it sold! Going to tell him, he just made $130!
Then, if my piece of content is so unique and valuable around hiking backpack recommendations, that other reputable outdoor websites are willing to link to it and build the page’s authority, then I’d have a very real opportunity to rank high in organic search for these search terms (meaning, my page will come up first when someone searches for hiking backpacks).

When you sign up for Trim, they immediately begin analyzing your spending and look for ways to reduce it. They’ll call your internet service provider and negotiate you a better deal on the same service. Same for your cable package (or any other recurring service you have). They’ll also look for hidden or otherwise forgotten about subscriptions and cancel those if needed. Think of them as your bill guard dog. No one gets by without their permission.
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
How do I get started? To become an Interior Decorator (this is different from Interior Designer) I recommend starting a website, take quality photos of your work, ask friends and family if you can work for them at no charge to help add to your portfolio, once you’ve created a polished visualization of your work you can then start to charge for your service.

Tutor students. Many families prefer the flexibility of using an online tutor. Depending on your background, you could be simply helping a child with homework or providing college-level support. You need to have your own computer and high speed internet. Experience required differs among companies. Some require “strong experience,” while others require a specific educational background. However, most companies do require a college degree.
25. Products – You can create your own product, such as an ebook or computer software. You would then use your blog as a promotion tool to get people to buy your product. As long as you create a legitimate product with a whole lot of value, you should be able to get some buyers, but like everything else with a blog, you’ll need the traffic to get the sells.
Start by taking other courses you’re interested in: Not only is this important competitor and opportunity analysis, but it also gives you an idea of how a course could or should look and feel. What’s the pacing like? Is it via email, video, in-person chats? Once you understand how you want your course to look, it’s time to decide what it should include. Those same courses are a great starting place. How can you make your course better or more interesting? Do you have experience others don’t?
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.
There’s more. Well over half enjoyed flexible scheduling that allowed them to stop and start work at their discretion. As competition for millennial talent heats up and the unemployment rate reaches multi-year lows, employers are offering ever more flexible work arrangements that allow white-collar (nonproduction) employees to perform their duties from just about anywhere.
Finalize the Sale and Repeat. The website-selling process all too often serves as a rude awakening for site owners who think their domains are worth far more than what the market will bear. If you’re not getting any acceptable offers, head back to the drawing board and figure out what you need to do to make your site more attractive to prospective buyers. Once you get offers that meet or exceed your target selling price, it’s just a matter of accepting the best one, transferring the domain, and funneling the profits into your next flip.
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]
You could also opt to use existing websites for making money. These include both active income and passive income methods. For example, you could sell some used items or invest in creating some digital designs that then can be sold on merchandise. Again, devote a sizable portion of your time to passive income so that you can slowly build up earnings that will arrive on autopilot without any extra added effort. 
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