How To Make Money Online When You're Broke

Introduction.

Making money online can feel like a huge task, especially when your bank account is running low. I’ve been there, staring at the screen, wondering how to get started without spending a cent.

The good news is that plenty of opportunities don’t require much, if any, upfront investment. You just need time, effort, and a little creativity.

This guide breaks down practical, realistic ways to make money online when funds are tight. No false promises, no “get rich quick” schemes—just solid methods that work. Let’s get into it.

Why Making Money Online Matters

The internet isn’t just a space for entertainment or scrolling social media. It’s also an incredible tool for earning a living.

For people who are struggling financially, working online offers flexibility, lower costs (no commute, no special equipment), and endless options.

Plus, you don’t need to be a tech wizard to succeed. With so many choices available, it’s all about finding what fits your skills and interests.

Practical Ways to Make Money Online Without Spending a Dime

1. Freelancing Your Skills

If you have a skill—writing, graphic design, programming, social media management—freelancing is a great place to start. Websites like Upwork, Fiverr, and Freelancer connect you with clients looking for help. Even if you’re a beginner, there are entry-level jobs available.

How to Start: Create a profile showcasing your work. For example, if you’re a writer, upload sample articles or blog posts.
Earnings: Beginners can earn around $5–$20 per hour, but skilled freelancers make much more over time.

2. Selling Products You Don’t Use Anymore

Decluttering can also help your wallet. Apps like eBay, Facebook Marketplace, or Mercari make it simple to sell old clothes, gadgets, or household items.

Tip: Take good photos and write clear descriptions to attract buyers.
Earnings: You could make anywhere from $10 to a few hundred dollars depending on what you sell.

3. Becoming a Virtual Assistant

Virtual assistants help businesses with administrative tasks like scheduling meetings, responding to emails, or organizing files. It’s a job that requires little experience but can be a consistent income stream.

How to Get Started: Look for entry-level listings on sites like Remote.co or PeoplePerHour.
Earnings: Entry-level VAs can earn $10–$15 per hour, and experienced ones often make $20–$40.

4. Taking Online Surveys

This isn’t the most lucrative option, but it’s easy and requires no skills. Websites like Swagbucks, Survey Junkie, or InboxDollars pay users to share their opinions.

Pro Tip: Sign up for multiple survey sites to maximize your earnings.
Earnings: Around $1–$5 per survey, depending on the platform.

5. Testing Websites and Apps

Businesses pay to have everyday people test their websites or apps. Platforms like UserTesting or TryMyUI will pay you for your feedback.

How It Works: You’ll visit a website or app, complete tasks, and share your thoughts.
Earnings: $10–$20 for 20–30 minutes of testing.

6. Creating Content on Social Media

If you enjoy being online, why not turn it into income? Platforms like TikTok, YouTube, and Instagram allow creators to earn through ads, sponsorships, or selling products.

How to Grow: Post regularly, focus on a niche, and engage with your audience.
Earnings: Influencers with small followings (1,000–10,000) can earn $100–$500 per sponsored post.

7. Affiliate Marketing

This involves promoting products or services and earning a commission when someone makes a purchase through your link. It’s perfect for bloggers or social media users.

Getting Started: Sign up for affiliate programs like Amazon Associates or ShareASale.
Earnings: Commissions range from 1%–10%, depending on the product.

8. Teaching or Tutoring Online

If you’re knowledgeable in a subject, teaching online can be a rewarding option. Websites like VIPKid, Cambly, or Chegg Tutors connect you with students.

Requirements: Some platforms require a degree, but others are open to anyone fluent in a subject.
Earnings: $10–$25 per hour.

9. Participating in Gig Economy Jobs

If you have a car or bike, you can earn through platforms like DoorDash, Instacart, or Uber Eats. While these aren’t entirely online, they’re flexible options for earning extra cash.

Earnings: $10–$20 per hour, depending on the location and tips.

10. Publishing an eBook or Course

If you’re passionate about a topic or skilled in a specific area, create a course or write an eBook. Platforms like Amazon Kindle Direct Publishing or Teachable make this process straightforward.

Tip: Focus on solving a problem or teaching something valuable.
Earnings: Varies greatly, but a well-marketed course can bring in hundreds or thousands.

How to Stay Motivated

It’s easy to get overwhelmed when starting something new, especially if money is tight. Remember, every little bit adds up.

Track your progress, celebrate small wins, and don’t compare yourself to others. Focus on building skills and connections along the way.

FAQs

1. Can I really make money online without spending anything upfront?

Absolutely. Many opportunities require no money, just time and effort. Freelancing, selling unused items, and taking surveys are great examples.

2. How long does it take to start earning?

It depends on the method. Freelancing and selling items can bring in money quickly, while content creation or affiliate marketing might take weeks or months to show results.

3. Do I need special skills to make money online?

Not always. While some options like programming or graphic design require skills, others, like virtual assisting or selling items, are accessible to anyone.

4. Are online earning methods safe?

Most platforms are legitimate, but you should always research and avoid offers that seem too good to be true.

What’s Stopping You?

The internet is full of opportunities to make money, even if you’re broke. Start small, explore different options, and see what works for you.

The hardest part is often taking the first step. What’s your favorite way to earn online? Or is there a method you’ve been curious about trying? Let’s talk!