I did this last semester! I needed a Macroeconomics credit to declare my major and I couldn’t be in my special degree program unless I declared officially. So after the fall semester, I looked up the price to take the class at a local community college rather than my university and it came out to about $375- $400 because of all the mandatory fees. I decided to take the CLEP option instead and found a free online macro course that divided it into 3 weeks. Paid $65 for the exam, studied about an hr or two per day over the winter break and then passed. Got the credit and declared. Easy!
Others pointed out that you can make money by posting your own product to specific subreddits that are related to your product. While this is not wrong, I would be careful about that. Reddit has pretty tough guidelines regarding spam, and if you create an account that only posts links to your own product, you might not only be downvoted, but also banned.
Like many survey sites, Toluna rewards you with points, which you can then cash out for vouchers for the usual suspects like Amazon and iTunes, or money through PayPal. A slightly novel element of the site’s payment plan is to offer the chance to take your points out early if you gamble them for prizes. While you have to store up a grand total of 60,000 points before you can claim vouchers for around $12 – something some people find to be a downside of the site – if you are willing to settle for a prize, you can play with just 500 points. You can decide to try your luck with a “giftie”, a kind of scratch card game. By gambling some points, you can see if you have won the gift or lost your points – so it is not one for the faint hearted!
Growing up you usually think every business owner knows what he/she is doing.  Well let me tell you a secret - most business owners have no idea how to run a business.  They're simply getting by selling their product or service.  The owners that realize they know nothing about business look for consultants who can help them create larger profits.  And because more and more businesses are being run online - that means more opportunity for you to make money online.
– Project Payday is one of those sites that has testimonials of people who have earned thousands of dollars by getting paid to get trial offers. I’m not saying you’ll earn thousands, but it is legit and you can earn some extra cash. They assume that by paying you to do a free trial, you’ll either like the product and purchase it, or forget to cancel the trial and get charged for it. If you can keep track and cancel before you get charged (if you don’t want the product), then this is a great site for making some money.
I've recently started mturk. I've made just over $200 over the past 5 weeks, with about 2-3 hours a day. The more you do, the more opportunity and "jobs" become available, as some require specific approval ratings. One that I personally enjoy is transcribing audio, which I just became approved to do. Anywhere from $.08 to $.15 for typing 15-30 seconds of audio. Some pay better.

Etsy: While Etsy's popularity has declined recently, it's still a great resource for selling handmade items online. No need for complex ecommerce sites or merchant accounts or any sort of automation. The company takes a commission of every sale and charges a small listing fee per item. But many still use Etsy as their primary source of income. The best part is that you can also sell digital products on here such as poster designs. 
I know that I-say and many others on this list are available in the U.S. As a quick word of caution, if you sign up for these/start taking surveys, actually be honest with your responses. Not just because it's more accurate for the researchers, but because a lot of these sites have technology to blacklist you if you fill out the surveys too quickly or they can tell you're not actually paying attention.
You’re right, affiliate marketing… or any online endeavor will face challenges in the future. It’s good to either diversify, or create something with future diversification in mind. I also think micro-niches are the best bet if your goal is long-term security because they will most likely remain best represented by individuals who take an interest in them, and remain safely tucked away in the realm of search (and SEO). Search engines may take traffic away with rich snippets when it comes to things like recipes, or exercise programs for example… but someone with several small micro-niche websites will be both diversified and off the radar.
Anyone interested in making money online should be pursuing passive income, while also working on active income. There are loads of ways to generate an income passively on the internet, many of which start at the foundation of having a blog, generating substantial traffic and building an audience and a list. Is it easy? Nope. Is it worth it? It sure is. But that doesn't mean you need to start a blog to make money online today.
I will say it is much better than Swagbucks. The surveys are often run by Universities and they are quick to qualify or disqualify you. Also a key difference in mturk and Swagbucks is that when you are paid on mturk it goes through Amazon payments (drawing a blank on the actual name) which then allows you to use it on Amazon or send it to your bank account. No dealing with gift cards.

Suzanne lives in Texas and has been a full-time freelance writer for 20 years. She’s written for numerous business and financial publications, both online and in traditional print media. She also owns her own small business and has a passion to help others achieve their dreams of financial independence. Her goal is to eventually work from a remote island that is equipped with Wi-Fi.


As someone who's been immersed in a number of online industries for quite some time, I know a thing or two about what it takes to succeed in this arena. However, just like you, I started at ground zero with little knowledge, but a great deal of passion. What I learned along the way were some invaluable lessons from failure that hurt at the time, but helped immensely in the grand scheme of things. 

Joining isn’t as straightforward as merely signing up, because you need an invite. However it’s not as tough as it sounds, as there are plenty of links doing the rounds online if you look hard enough, and Pinecone also advertises on websites, so you might get lucky by keeping an eye on banner adverts. Once you’ve signed up, you’ll be vetted to see if you qualify – based on whatever demographics their clients want at that point – and if so, the fun begins!
Like I said, you’re not going to make a fortune taking surveys online, but you can make some extra money for fun, for paying off debt, or for investing. Monetary survey rewards vary from less than $1 to more than $20, though they’re usually on the lower end of that range, $1 to $5. If you can take several a day, you can earn quite a bit of money in a month.
Rewards vary based on the survey type and the company conducting the survey. You may get paid online through PayPal or a Visa gift card, or get free products so that you can try them and provide feedback. To get the best out of online surveys, it is recommended you join several websites (10 to 20) so as to give you sufficient invitations daily at the best time frame. Regularly check your email and be honest while giving your opinion. Don’t give up if you don’t get selected for a survey after the first screening process, as it will take a while before you get selected based on your demographic.
With one of the lowest cash limits in the industry, you can get $10 out when you have accrued just 100 points. If you want to take your earnings in the form of a giftcard, the threshold is even lower, as you just need 50 points, equivalent to $5. Many other survey sites will only pay out after you earn much more, like $50. As with all good survey sites, Opinion Outpost allows you to take your earnings away in vouchers for big firms like Amazon or iTunes, or if you prefer money, to do so through Paypal. As well as paying out early Opinion Outpost also pays extremely quickly, often the same day or in some cases, immediately.
Since time is the most precious commodity on this earth, invest the time at the front-end so that you can reap the benefits on the back-end. This means putting in a bit of sweat equity and not getting paid today. Rather, you'll get paid somewhere down the road. And you'll continue getting paid whether you keep building that passive income stream or you stop. It's obvious that this is the preferred route, but clearly the road less traveled.
Having access to the internet is all you need, you can see that attention is now the new way to becoming successful. The more exposure your brand gets (whether that is from posts, social media, websites, blogs, etc) the more opportunities you have to monetize off your traffic. When you have a lot of people's attention, and you create a product, you’re likely to make a sale. THIS IS SCALABLE. Anything you put out on the internet compounds, continually getting more and more traffic that gives you a chance to make a sale.
Hello I am 26 and just hit a huge life crisis wall! I had a great job and was let go out of the blue, with little to no money left for bills and other.. I was scheduled to drive home from Florida to Michigan tomorrow with my boyfriend and he has no idea I have only $400 to my name I have no idea what to do or how to get enough money to get me through this trip.. I already have found a new job but I don’t start until we are back in 10 days ! I feel like I am so underwater!
Have you been banned for no reason? Contact support. There is absolutely nothing we can do for you here. A few site owners browse this place, but the bulk of us are just general users. You have to contact their support to figure it out and work on getting your account unbanned. Just be polite and friendly. If you didn't do anything wrong, you'll likely get your account unbanned. Sometimes a site's fraud detection is triggered on accident.
Research individual companies in your desired niche: If possible, it’s always better to become an affiliate directly with a company (if they have an internal affiliate program), as no one else will be dipping into your commission rate. This is the preferred route for most of the prominent affiliate marketers, including Pat Flynn. Unfortunately, it’s also the most work, as you’ll have to do the research yourself to see who offers programs (they’re usually listed in the website footer).
Surveys can be super quick and take just a few minutes to fill out, or require around 15 minutes of your time. Five minute surveys pay $0.50 and surveys range from $0.40 up to the higher – and rarer – ones at $10.Paying out by the usual methods, Crowdology does PayPal and also vouchers. Most importantly, the minimum reward threshold is low so when you’ve earned $8, you can cash it out, unlike other sites which make you wait until you have earned much more money. The site offers prize draws from time to time for things like cinema tickets and surveys can be expected weekly.
Websites like Survey Junkie will pay you a decent chunk of change for the low-maintenance, borderline mindless task of completing surveys. Companies want to understand consumers better, and one way they do that is by compensating survey-takers (a.k.a. you). Most surveys pay between $0.50 and $1.25, and many of them take less than 5 minutes to do. You can read our full Survey Junkie review for more info.

Some of these seem really ideal for me right now as I'm struggling to find a job that fits around my husband's work schedule, kids school schedule (so that the majority of my income doesn't have to go to child care), and all her appts with specialists and treatments for a severe, chronic disorder. Last year, she missed 50+ days of school due to her illness which made it impossible for me to be working (in addition to my husband) since she needed such comprehensive, round the clock care and spur of the moment trips to a specialty children's hospital for emergency care.

That’s my plan. No kids, no spouse, parents deceased. I’ll never be able to retire. On PSLF, but forgiveness not approved until 120th payment. Many are not being forgiven now. I take courses to stay in deferment. FedLoan bases payment on gross; not net. How does that make any sense?! After bills I can’t afford the payment. I have 3 grad degrees. Was supposed to be a psychologist. APA & NCE won’t accept my 15yo degrees for the national exam. So I teach at a CC. Over 180,000 in debt now and it grows monthly.
Sites like Swagbucks inbox dollars or my surveys signing up for these sites allow you to do your normal shopping that you do online and make a little bit extra money on the side or if you're sitting on your couch watching Netflix, your favorite TV show or some sports game, if you have your laptop handy you can fill out surveys as you're wasting time.
The average membership costs $50 a month—and much more for boutique classes like SoulCycle. Try a free fitness group like the November ­Project, which is active in over 40 cities, or an intramural team through work. If all else fails, Janis Isaman, a nutrition coach and ­Pilates instructor based in Calgary, Alberta, recommends looking on Facebook and Craigs­list to find people nearby who also want to form an ad hoc fitness club.

Clearly, there's a lot of demand on Amazon, and if any product is going to sell, it's going to sell well on Amazon. But the goal here is to source the right products that will easily sell at the world's largest online retailer. Generally, products between $10 and $50 sell very well here. Just be sure to do the right market research before jumping on this bandwagon.


Amazon gift cards and PayPal are obviously popular choices, so naturally like most sites MySurvey had those. These guys did not stop there though. At the time of writing (I double checked) they also offer various sweepstakes, gift cards to restaurants, you can donate to charities like UNICEF through them, they have iTune gift cards, their very own merchandising products and also Starbucks, Walmart and Tango gift cards among many more options!
Just like you can turn a profit on sharing your skills online, you can also do so using your knowledge. There are a variety of sites out there that will pay you to do research, answer questions, or be an on-call expert in a number of different industries. Have a nursing degree? You can pick up some extra cash when you’re off duty by answering medically-related questions. Off-duty handyman or plumber? You can do the same thing with home improvement questions. If you just enjoy researching, you can pull in some cash by doing research through a website like Wonder.
I like the ideas but I feel like some of them, mainly the ones you can do online, aren’t safe. I’m so afraid that it’ll end being a scam from all the stories I’ve heard from friends and family… I’ve tried going to plato’s closet to sell my clothes but refused to take any of it. said my clothes looked too “old” like I was too old to sell my clothes there so they sent me somewhere else for women, I am only 24 by the way…. but they said my clothes looked too young for the store. i’ve tried several other places and nobody will take my clothes, they all say the same thing. I’ve thought sites like Vinted or other sites you can sell used clothes but again, the safety issue. how do you know if its a scam or not? Also, other ways to sell your artwork that isn’t online?
InstaGC is a rewards site you can use to redeem instantly for Amazon gift codes (and all kinds of other gift codes). With this site, it's possible to earn money for doing all sorts of things which include short tasks, surveys, watching videos, listening to music, and more. What I love most about this one is that when you do redeem, there is NO waiting. You just ask for your code and it's there waiting for you on the next screen. It's also possible to request a check for a cash payment, but you will have to wait several days for that to show up in the mail.
Adjustable-rate mortgages got a bad rap during the financial crisis, but they can make a lot of sense if you aren’t planning to stay in your home long term. Right now the average 30-year rate is 4.1%, according to Bankrate, compared with just 3.6% for a five-year adjustable-rate loan. On a $300,000 mortgage, that half a percentage point should save you about $86 a month, or $1,032 a year.
If you’re going to have a garage sale, the only way for it to be successful is to be organized. Make sure you sort through your items carefully and label them with prices. Many people are too bashful to ask what the price of an item is, so if they are unsure, they might walk away. Also, check to see that everything you sell is clean, washed, and tidy. Clothes that are pressed and hung up on a line will sell much faster than a pile of clothes in a box. You should also advertise your sale with big, bright signs that have large letters and are easy to read. Also, place an ad on Craigslist.com with great pictures of your products. This will act as a “sneak peek” to those who love frequenting garage sales.
Job Boards. When you’re first starting out, you’ll have to go looking for work, and the best place to do that is on one of the online job boards. Places like Guru, Elance, Freelancer, and oDesk are today’s writers’ best friends. They allow individuals and businesses to post projects, and freelancers to bid on them. Take a look around the sites, sign up for the free access in the beginning, and then begin to place bids on the projects that interest you. It will take some trial and error to find your groove, but once you do, the jobs will start to roll in.

You’re right, affiliate marketing… or any online endeavor will face challenges in the future. It’s good to either diversify, or create something with future diversification in mind. I also think micro-niches are the best bet if your goal is long-term security because they will most likely remain best represented by individuals who take an interest in them, and remain safely tucked away in the realm of search (and SEO). Search engines may take traffic away with rich snippets when it comes to things like recipes, or exercise programs for example… but someone with several small micro-niche websites will be both diversified and off the radar.
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This is based on the desire and commitment that you have to move forward and achieve your goals . When I started in earnest in this world and got on top with Dinerito Power , there were days when I did not leave the house to work (yes, I have a normal job) and the days that I had to get rid of, I could throw more than 10 hours attached to the computer .
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 its own per-transaction fees, resulting in a net expense of 2.75% for most transactions (net of $97.25 for every $100 charged). This is 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.

If you’ve got a way with words and expertise in a niche, there are plenty of sites that will pay for articles and content you write. Think of the sites you read regularly. What can you contribute to them that would be interesting? Research your niche and then look for ways to pitch articles. Many sites will simply have a submission or contact link in the footer. To get started, check out my full guide to becoming a freelance writer on the side and then submit your articles to places like Listverse, TopTenz, A List Apart, International Living, FundsforWriters, and Textbroker.

While you may think getting a raise is the key to making you happier, research suggests it actually happens the other way around: Fostering a positive attitude in your day-to-day work could help you move up in your company or land a big project. According to the Harvard Business Review, an easy way to do so could be through simply helping your coworkers. A 2011 study found that people who coordinated lunches and organized office activities were 10 times as engaged at work—and 40% more likely to get a promotion (and a raise)—as those who didn’t.
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.
Craigslist: Craigslist is definitely the scrappiest of the major online resale options. The advantage of Craigslist is its enticing profit potential, thanks to the total lack of listing and selling fees for most items. The disadvantages are many, but include potential safety risks and higher chances of nonpayment. If you do choose Craigslist, keep your wits about you and use the buddy system.
When it comes to getting rid of junk, eBay is one-of-a-kind· With this tool, selling used or unwanted items is easier than ever. First of all, you don’t have to bother finding customers since they will find you themselves. Also, the prices of your competitors’ goods are available on the market, so it’s possible to compare and find the golden middle or the one that fits your needs as a seller best. Just take a great photo and include a compelling description of the item, and here you go! Yet it’s not that you can’t use other platforms for commercial purposes, like Book finder, which is a good one to sell your books and make money fast at home.
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