6 Ways to Make Money Without Substantial Investment

Opening a business without any investment is practically impossible. Of course a lot depends on the kind of business you want to open. For instance, developing a small handicraft business requires more capital than perhaps creating an online business but the initial investment is still there.

Ways to Make MoneyIf you search the Internet, you will get various ideas of making money online without an investment but such information portals often leave out mentioning that you have to make up for the lack of financial capital with your time.

Therefore, ignoring the unpractical idea of listing out top ways to make money online without any investment, I will tell you about those businesses which need very little financial investment.

6 Easy Ways to Make Money Online

1. Online Photography

If you are good with lenses and have a knack of capturing myriad images, you can start an online photography business. Here what you do is sell the photographs to buyers. Moreover, there are various online galleries you can approach to display your creations.

Unlike a physical business which is restricted by geographical barriers, you can approach these art galleries established anywhere in the world. Showcasing your works will increase your credibility and art connoisseurs are more likely to buy from you. Also you can receive commissions or assignments to capture events like wildlife excursions, weddings, and others.

What you need:

  • computer connection
  • high speed internet
  • good camera
  • good photo editing software

Cost – $500 to $1000.

You can either hire online marketers or self-market your services online. Give this business 8-9 months to show any progress.

2. Online Writing

One of the most popular forms of earning money online. Small, medium and large scale industries regularly outsource writing tasks of various capacities to individual freelancers or content writing companies.

If you have good writing skills, ability to communicate clearly with readers and a grasp of various writing styles, you can easily become a writer online. To give you an idea, online content writers are needed for business promotion material, magazines, news writing, blogging, article marketing, e-book writing and host of other niches.

Of course, you have to find the right resource to work as well.

What you need:

  • computer connection
  • high speed internet
  • printer / fax

Cost – maximum $50 per month

Read our reviews on various online marketplaces to get a good idea. Market or self-promote yourself religiously for 45 days constantly and you will definitely get a response. Clients often look for samples so prepare some and publish them on Ezine or Associated Content, then forward these links as samples.

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3. Promoting Products

If you are a marketing professional or have a fair idea about what marketing is all about, you can become an affiliate marketer online. As the Internet industry grows, the demand for marketers continues to increase.

As an online promoter, you have to promote the products of other companies and bring them in leads or sales, depending on the contract you have.

Or, if you want to be a self starter, head to Amazon or ClickBank, select products of your choice, and start promoting them. For every sale through your account, you earn a percentage.

What you need:

  • computer connection
  • high speed internet
  • printer / fax

Cost – Maximum $100 per month. This includes web hosting, promotion charges and net usage.

Be aware of choosing highly competitive products because they already have well established marketers promoting them. The trick is to choose moderately competitive products with high potential.

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4. A Mystery Shopper / Foodie

If you love to shop and/or are a great foodie, you can become a mystery shopper. A mystery shopper is a mysterious surveyor who visits shopping arcades, malls, restaurants, hotels and others to try their services and then return feedback to the employer.

These are basically contractual positions. You can work as a mystery shopper not more than 3x’s a week. There are online mystery shoppers as well who are paid to try out new products and services.

What you need:

  • computer connection
  • high speed internet

CostNOTHING, Travel and other expenses are paid by the company or agent.

Opportunities of mystery shopper / foodie is not advertised openly by various companies. Such companies hire agents to do the work for them. Google the term ‘online mystery shopper’ online and you will come across various gigs.

Apply to those you think are trustworthy. Read the feedback section. And never pay any kind of money for membership fees.

5. Entering Contests

Truthfully, this is not a long term way to earn money online but still it’s worth a try. These days, with the arrival of mini marketplaces, there is a demand of more professionals.

You will come across forums, discussion boards, and websites that occasionally host contests to encourage new talents. For instance, a few months back, freelancer.com hosted a contest for developers to create API modules. The first prize winner was given $10,000. Again, Glimmer Train encourages writers to submit their fiction every month.

Cost – Nothing substantial.

Search for such running contests online which falls under your interests and keep on submitting.

6. Online Teaching

In our truly globalized world, teaching is no more a limited profession. With the Internet, you can now teach students residing in any part of the world. Websites like classteacher.com allow you to interact with students and teach them online. There are various similar websites as well.

No matter which subject you are proficient in, there is always a demand for online tutors. Fees are decided based on your experience and time given. Moreover, there are no fixed timings, you teach on your own time.

What you need:

  • computer connection
  • high speed internet
  • printer / fax
  • webcam

Cost – maximum $100. This includes membership costs and Internet usage charges.

It is best to take membership packages in this earning line as it increases your chances of getting students. Moreover, before signing up for online teaching sites, contact them personally if possible to judge their credibility.

Are there any other online earning ways that you know of which requires a minimal investment? Share with us below…

Money Making Websites – You Be The Judge

There is an old saying…‘Seek and thou shall find.’

There are hundreds of websites that can give you advice on this topic. And there are many people who can act as consultants on this subject…

Money Making WebsitesThe unprofessional ‘wannabe’ consultants will tell you how to run your business without having one of their own, …so be careful when choosing.

Of course there are thousands of money making websites that lead to millions of ways of making money online.

However, it is not as easy as is always professed. Even this path takes some hard work and dedication on the part of a person who is looking to turn that dream into a pot of gold.

Whether it is making money working from home with affiliate programs – blogging – freelancing – making money with eBay – online surveys – GPT programs or… other simple ways to make money fast, there are thousands of companies that have the same or similar avenues to make money online and the working from home opportunity

Many of them promise the stars and entice people with low cost packages.

The words that they use are so designed that you are forced to make a decision at the spur of the moment.

And the reason is that they do not want to let you go. Chances are, you won’t be back. In the end, it is such companies that promise you the riches that actually walk away rich themselves.

Earning money online is no different and not any easier than making money offline.

You have to go through a lot of strife to get that genuine opportunity. On the way, one could end up kissing a lot of frogs in the quest to see which of them turns into a handsome prince or the beautiful princess.

Here are some possible ways that one can make money from and what you may be faced with:

Affiliate Programs: Making money selling other people’s products without actually canvassing is how easily it can be put across.

However, to have an affiliate site linked to your blog or website can also prove tricky if the link is a farce or if you have a site or a blog with less followers. Learn how to use affiliate programs on your blog.

Getting paid to surf: The ads which are posted on the net are quite enticing to the people who want a piece of the pie.

The ads show people talking to you from their own personal yachts, or getting off private jets.

However, they could be the scamsters that want you to jump on that bandwagon, while very persuasively they have just emptied your pockets…

Selling Photos: There are sites that allow you to upload your favorite photos and when someone clicks on it to download it, you get a percentage of the share.

This seems to be a good and genuine option.

However, there could be copyright issues. So, you have to be extra careful not to put up for sale a picture that may be either too generic or one in which you do not have a copyright to.

Mystery Shopping: Well, this is as close to reality as you can really get.

Mystery shopping is really an offline job where one has to actually go and shop in the brick and mortar shops, restaurants and whatever else there is.

There are some companies that are in it not to make you rich but skimming you out of your money.

The genuine ones do not charge you money to join and they are accredited by a governing body that regulates the mystery shopping business.

EBay and Craigslist: These are really one of the most originally authentic ways to make real money online and fast.

The only drawback in this kind of a way to make money is sometimes the long wait to get your things sold or wait till the auction is over…patience are needed when turning ebay marketplace into a second income source.


Designing Logos: If you have that creative frame of mind and can virtually blow life into words and pictures, this is the right option for you.

With the right amount of creativity and perseverance, one is bound to hit the jackpot. It could help your cause if you have the knowhow or get on board with a friend who has the knowhow of designing logos.

Online Surveys: Online survey companies are a dime a dozen on the Internet. They promise to pay a handsome amount to the person taking the survey.

However, more people tend to get disqualified from the survey at any stage while taking the survey. It could be a genuine way to filter out people.

You never know when the screen or the pop-up comes on saying you are not qualified to take the survey or that you do not fit the age group or something to that affect so you may ask yourself is earning money from online surveys legitimate or just a well planned scam?


Designing T-shirts: Similar to designing logos, designing T-shirts for any event or company can be a rewarding experience and can get your creative juices flowing also.

Reading Emails: Getting paid to read emails is also something that could be dicey. There are companies that promise to send you hundreds of emails everyday which will help you earn a decent enough amount.

Unlike taking surveys, reading emails may not have the built-in eliminations.

The amount paid to you per email could be paltry. And also your inbox could be clustered and filled with spam mail.

Reviewing: Getting paid to review is a great way to make a living or a killing on the net. There are companies that will send you either products to review or books and you can get paid for writing reviews.

Also, you can review movies and theatre plays. The pay is not much. But it could get you there. In fact, even this could be done either online or offline.

There are a thousand more ways to make money online. Each and every way is filled with the genuine as well as with fraudulent companies.

Experience is the only teacher and you are your own best guide and judge.

Just proceed with caution…