How to Make Money by Doing Absolutely Nothing

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Making money for nothing is quite possibly everyone’s dream. Wouldn’t it be great to just have paycheck after paycheck show up in your mailbox without having to lift a finger to earn them? While it’s not entirely plausible to make money by doing absolutely nothing, there are numerous ways to create a steady stream of income after putting in a moderate amount of time and energy into your plans. After the initial hard work is done, the money will continue to roll in, and you’ll feel as if you’re really getting something for nothing. Here are a few ways to easily make money without putting too much hard work into it.

See Also: 6 Ways to Make Money by Reviewing Stuff

1. Invest in Rental Properties

As long as you ensure your tenants are upstanding citizens who will pay you on time, renting out property is a great way to create a guaranteed cash flow over time.

Of course, there’s more to renting out a piece of property than just signing off on a lease and collecting money on the first of the month. Your initial investment will require research and projecting your return on investment, taking into consideration the costs of owning property, such as mortgage payments, taxes, and general maintenance. You also want to know the average income and cost of living of the area surrounding your property, so you’ll know if it’s feasible for potential tenants to afford the rent you’ll need to charge in order to stay ahead.

Once you understand the ins and outs of owning and renting out property, and you’ve been successful with one venture, you can create even more passive income by investing in multiple estates. Though you will definitely have your work cut out for you, you’ll still earn much more than an hourly rate as time goes on.

2. Invest in a Savings Account

Too many of us have fallen prey to the tricks of the banking industry, such as overdraft fees and exorbitant loan payments. However, if you’re careful, it’s still possible to actually earn money from your bank.  

Creating a savings account guarantees you’ll end up with more money than you started with- if you stay disciplined over the years. As long as you don’t touch the money you initially deposited, your savings account could earn you hundreds of dollars a year without doing a single thing. Of course, the more you invest, the more you’ll earn.

You’ll also want to do some research and find out which bank offers the best interest rates. A tenth of a percentage could potentially be the difference between hundreds (or perhaps thousands) of dollars over the course of a lifetime. An initial deposit of $10,000 at an interest rate of 1% will net you $1,000 over a decade, while that same deposit at 8% will get you $800 over the same period of time.

You should also make sure to deposit spare cash as often as you can; the more you have in the account, the more you’ll gain through interest.

3. Affiliate Programs

If you run a website or blog, you should absolutely be advertising products pertaining to your blog’s subject matter, as you can make a decent amount of money through affiliate programs. For example, if your blog revolves around cooking and a specific post includes a recipe requiring the use of a spiralizer, you can link to an Amazon purchasing page for the one you use while preparing the meal. Anytime someone uses your specific link and completes a purchase, you will earn a percentage of the item’s total price.

Obviously, you won’t make too much extra income as an affiliate unless your blog has a fairly large audience. But your goal as a blogger has most likely always been to gain a large following, anyway. Monetizing your blog through affiliate marketing should be considered an extra bonus for keeping up with a hobby you enjoy.

Affiliate marketing is a great way to make passive income, but you also need to be diligent with your research to ensure you’re recommending great products each and every time you create a link. If it’s obvious to your audience that you’re just peddling sub-par products in a poor attempt to make a quick buck, you won’t get very far; in fact, you might end up losing loyal audience members.

4. Peer-to-Peer Lending

Peer-to-Peer lending is just what it sounds like: loaning money to others in need of some quick cash, with the understanding that they’ll pay you back with interest. There are numerous websites which act as a middleman between lender and borrower, such as

As with all other entries on this list, you won’t just be able to hop onto a website, shell out some cash, and expect immediate returns. The loans you put out are unsecured, meaning there’s no guarantee the person you’re lending to will be able to pay you back on time (or at all, for that matter). You’ll want to research the history of each person you’re thinking of lending to, as well as their reasons for needing cash.

Once you’re confident that your loans will be repaid diligently, you’ll want to diversify your portfolio by lending smaller amounts to a variety of individuals. By doing so, you don’t run the risk of losing too much if one or two clients default on their loan.

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You’ll also want to keep an eye on your income, and constantly be ready to reinvest your earnings. Just like a savings account, the more you invest, the more you’ll get back. If you find success in your first round of investments, instead of taking the money you earned out and using it right away on some other commodity, put it back into the market and watch your account balloon even further.

5. Dividend Yielding Stocks

Investing in most stocks require you to eventually sell your shares if you wish to actually earn any money. However, investing in dividend yielding stocks will net you regular payments over time as the stock’s price grows higher and higher.

You’ll need to do some initial research to ensure you pick a stock that will continue to show growth over time. Before putting your hard-earned cash into a specific stock, you should follow it for a period of time, paying close attention to trends regarding its growth or shrinkage. Again, once you make your initial investment, any growth seen is money in your pocket.

It’s also recommended that you invest in exchange-traded funds, which trade like stocks but also include bonds and commodities. Since they typically cost less and are easier to understand, investing in ETFs is commonly suggested to those new to the stock market.

6. Take Longer Breaks

Okay, now on to making money for actually doing nothing. I don’t want to advocate slacking off, but if you’re otherwise diligent in your work, you can get away with taking extra-long bathroom or coffee breaks almost every day of the year. Let’s say you work 50 weeks a year, at 40 hours each week. That’s 2,000 hours of paid time every year. But, if you take a 15-minute coffee break and 15 minutes worth of bathroom breaks every day, you’re really only working 39.5 hours a week, or 1,975 hours a year. If you make $20 an hour, over the course of a year you’ll end up making $500 for doing absolutely nothing. Just remember to get your work done when you’re back at your desk.

7. Gamble or Play the Lottery

If you’re looking to make a quick killing, your best bet is to hit the casino. It’s definitely not an absolute certainty that you’ll walk out a winner, but if you do, you can be sure you’ll win enough to make the trip worth it. Games like Three Card Poker, Craps, and Roulette offer side bets that, if hit, will put you deep in the black with a minimal initial investment. Just make sure you only bring what you can afford to lose.

And, of course, there’s the lottery. I bet that you’ve at least once envisioned yourself staring at the television screen displaying your numbers as the winner, immediately calling your boss to tell him you won’t be coming in ever again, and hopping on a plane to the Caribbean the next day. Unfortunately, unlike all the other entries on this list, the odds of winning the lottery are very low and your chances to win billions are really slim. Still, it doesn’t hurt to dream now, does it?

See Also: How to Make Money With Your Smartphone

As mentioned above, it’s nearly impossible to make money by doing nothing. Even winning the lottery involves spending money on a ticket. However, there are numerous ways you can earn extra money every month outside of a regular 9-to-5. As your investments continue to reap dividends, you might even be able to quit your daily grind and focus on making your money work for you, rather than the other way around.

Do you have any other interesting ideas? Let us know in the comments section below.

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