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How to Earn Money Online without Investment

1. Start with your skills

When it comes to making money online with your skills, there are two ways.

The first is by using your skills to help others (and make money) and the second is by using your skills to make money.

The first method is not really a business but more of a service-based one where you provide services for others in exchange for money.

For example, if you are an expert at writing articles then you can write articles for other people and get paid for it.

The second method involves building your own business based on some skills that you have acquired over time.

You then sell products or services related to those skills (this could be digital products like eBooks or physical products like clothing).

2. Sell your old stuff

Selling your old stuff is one of the easiest ways to make money online without investment.

You can sell your old but still good clothes, shoes, bags and accessories on online platforms.

Sell your old books too.

If you have a collection of books that have been lying around for a long time and are no longer useful to you, then why not sell them online?

3. Start a vlog (or blog)

Your vlog should be about something you are passionate about and have knowledge of.

It’s also better if your topic is something people are searching for online, so you can get traffic faster.

So if there’s anything related to your area of expertise that people search for often, start vlogging about it.

People engage more with video content nowadays than text.  But if you’re not keen on making videos yet, a blog is still totally fine.

Get a website and do what is necessary to make sure that people can find your blog easily.

Use social media to promote your website to get more eyeballs on your business.

4. Become a virtual assistant

Virtual Assistant is a job where you can earn money by doing some kind of work for the employer.

It is flexible work. You don’t have to quit your current job especially if you want to try this out as a side hustle.

5. Teach English online

If you are interested in teaching English online, many websites offer this service to students from around the world.

See these online English teaching jobs.

man working with headphones on

6. Build and sell software or apps

You can create your own application and then market it, or you can develop applications for clients.

If you want to sell your applications, consider platforms like the Apple App Store and Google Play store.

Selling on your website is an option as well.

7. Provide web design services

This works if you know how to build websites.

Ensure your clients are aware of how much they are paying for their websites.

Some factors that will determine your charges are the complexity of their site and the amount of time required to build it.

8. Offer consulting services

Consultants offer their expertise in a particular field and help others overcome problems or achieve goals.

For example, if you’re a marketing expert and have helped many businesses grow their sales, you might consider offering to consult them on how they can improve their marketing efforts.

9. Write for other sites

Search for websites that pay you to write. Read their guidelines. Write reviews, articles and blog posts. Publish your content on the website.

See these online writing jobs.

10. Transcribe audio and videos

You can earn money by listening to audio or video recordings, writing them down and turning them into text documents.

See these online transcription jobs for beginners.

You can make money online without investing any money first

For many people, the fear of investing money into something that might or might not work is a big deterrent.

See Nigerians’ responses to our survey on fear of investing.

However, you don’t need to invest any money to start making money online.

But note: though, you are not investing money, you are still investing something i.e. your skills and time.


So, there you have it—a list of the best ways to earn money online without investment. As with any other worthwhile thing, the key is persistence and hard work.

Use social media platforms to promote yourself and what you do. There are plenty of opportunities available out there.

As long as you keep at it, these ways can make you enough income to perhaps quit your job and pursue your passion full-time.

Good luck.


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