How To Make Money Online When You’re Broke

How To Make Money Online When You’re Broke

How To Make Money Online When You're Broke


Making money online has become an increasingly popular way for people to supplement their income or even replace a full-time job.

But what do you do if you are broke and don’t have any money to invest in starting an online business? Fortunately, there are several ways to make money online without a lot of upfront investment.

From taking online surveys to offering freelance services, there are opportunities for anyone to start earning an income from the comfort of their own home.

In this article, we will explore various methods of making money online when you are broke and help you get started on the path to financial stability.

Why do People Become Broke?

Becoming broke can happen to anyone, regardless of their financial situation or background. There are several reasons why people can fall into financial hardship and struggle to make ends meet.

1. Unexpected expenses.

Unforeseen events such as medical emergencies, car repairs, or home maintenance can quickly drain your savings and leave you with large bills to pay.

2. Job loss.

Losing your job, whether through downsizing, termination, or resignation, can result in a significant loss of income and leave you struggling to make ends meet.

3. Over-spending.

Living beyond your means, whether through credit card debt, high-interest loans, or excessive spending, can lead to financial problems and make it difficult to get back on track.

4. Poor budgeting.

Not having a clear understanding of your expenses, not tracking your spending, and not following a budget can lead to financial problems and leave you with a limited amount of money to cover your bills.

5. Lack of financial literacy.

Not having a solid understanding of personal finance can lead to poor decision-making, high debt levels, and an inability to save money.

6. Investing in high-risk investments.

Putting your money into high-risk investments, such as stocks, cryptocurrency, or real estate, can result in significant losses if the market doesn’t perform as expected.

7. Retirement savings.

Not saving enough for retirement can leave you with a limited source of income when you reach your golden years.

8. Substance abuse.

Substance abuse, whether it’s alcohol, drugs, or gambling, can quickly drain your finances and leave you struggling to make ends meet.

How do I Make Money Online When I am Broke?

Making money online when you are broke can be challenging, but it is possible.
Here are some ways you can start earning an income without a lot of upfront investment.

1. Take online surveys.

Companies are always looking for consumer opinions and are willing to pay for them. You can sign up for survey sites like Swagbucks, Survey Junkie, or Vindale Research and start earning money by completing surveys.

2. Start an eCommerce Business.

If you have items that you no longer need or use, you can sell them on websites like eBay, Facebook Marketplace, or Poshmark.

3. Become a Freelancer.

Freelancing platforms such as Upwork and Fiverr provide opportunities to offer your skills and services to clients looking for short-term help. You can start with small tasks and gradually build up your portfolio and reputation.

4. Affiliate marketing.

If you have a blog or social media following, you can promote products and earn a commission for each sale made through your unique affiliate link.

5. Start a blog.

Blogging can be a great way to earn money by monetizing your website through advertising, affiliate marketing, and sponsored content.

6. Become an Online tutor.

If you have expertise in a subject, you can earn money by offering online tutoring services through platforms like Chegg or TutorMe.

7. Become a Virtual assistant.

Virtual assistants provide administrative support to businesses and entrepreneurs. You can find virtual assistant jobs on websites like Remote. co or Freelancer.


There are many reasons why people can become broke, from unexpected expenses to poor decision-making.

By being mindful of your spending, following a budget, and saving for emergencies, you can help avoid financial difficulties and build a more secure financial future.

Making money online when you are broke requires effort and determination, but with a variety of options available, you can find a way to earn an income that suits your skills and interests.

The key is to keep learning and exploring new opportunities.

What do you think?

Written by Udemezue John

Hello, I'm Udemezue John, a web developer and digital marketer with a passion for financial literacy.

I have always been drawn to the intersection of technology and business, and I believe that the internet offers endless opportunities for entrepreneurs and individuals alike to improve their financial well-being.

You can connect with me on Twitter


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