(Updated 2020) Top 25 Lucrative Ways to Make Money Online Without Paying Anything

Make money online without paying anything
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Making money online without paying anything was my middle name back in 2011. But it doesn’t get to good until you become frustrated because it might mean those investing in their online business have no fifth sense to money usefulness or are not money frugal nerds, right?

The good news is that having been privileged these years to be online, I will share with you a lot of outstanding ways to make money online with $0. AKA, make money online without investment.

And let me warn you, I won’t just recommend complicated make money ways as creating a private label brand to sell products, no, I am in to showing you great ways if you’re just looking to make a little extra money in your pajamas.

Disclosure: Just like there are tiers and cadres, some options to earn money online without paying anything will defer from others, so, what you want to do is jump right in and get started with any earn money online ideas that resonate with you.

Top Scammy Ways To Waste Time Making Money From Home; Online Tasks

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3 Top Time-Wasting Websites To Make Money Online With Zero Investment

Do you want to make money you can’t redraw? I can’t count the time-wasting make money routes I was playing with when I started.

I don’t really know where you are right now, perhaps, you are clicking on surveys or email ads and your fingers are pulling off before you go on, be sure you will be able to withdraw your hard-earned money.

Ultimately, if you are not an American or a European-based country, I can bet you’ll be wasting time making virtual money you won’t be able to withdraw.

Top 2 Useless Ways To Make Money Online Without Investing A Dime

Make money online without paying anything
#1.  Make Money Stuffing Envelopes From Home:

I was lucky not to jump into this when I saw a YouTuber recommending it. Can you imagine he recommended this to his audiences while he was busy promoting another high ticket product to them?

Well, it might be that some beginners want a totally free method, but guess what? It’s a totally scammy free method.

The art or act of Making Money with Envelopes Stuffing is simply a scammy devil that won’t just waste your time but will give you reasons to watch Brian Tracy Video on Time Management.

What’s Email Envelopes Stuffing All About – How it works?

A person answers an ad for envelope stuffing by paying a fee for something—the materials, opportunity, kit, security deposit, etc. (The excuse for the fee varies.) Assuming the person ever receives anything, which is a generous assumption, he then assembles or stuffs as instructed.

The person then sends the work back, expecting payment. Yet the company deems the work—no matter how perfect—not up to its “standards.” The clause saying work must meet company standards is in the information packet, but the standards are never spelled out.

Another possible way you can get scammed is if you’re offered bonuses for signing up other envelope stuffers. Without doubts, this added element is typical of a pyramid scheme, and since there is no real income to be earned in the first place, it will collapse like all pyramid schemes – insight from thebalancecareers.com

However, make no mistake about the one called “Email Processing Jobs Scam”, why?

They work hand-in-hand with Email Envelopes Stuffing. Yeah, birds of the same feathers that flock together, so, beware lest you sweat about useless stuff, all in the name of making money online without investment.

#2. The Little Devil Called Paid Surveys Scam

I can show you my Paid Surveys accounts for many years. These are Surveys I put in the energy yet they were all about making virtual money. Let me clarify this. 

At any point you are asked to bid for surveys what you want to do is run very far. And if the promise you that a paid survey will make you $500 in 5 days please disappear because you’re about to be ridiculously swept under the feet.

Even though you start with legit surveys you will never make $500 in 5 days. What you can milk from them is $1.00 – $2.50 per HOUR at the most. That is if they do not ask you to pay upfront to learn how to.

Lastly, if your country is illegible for most legit online surveys, there is no need to use a backdoor like VPN to access them because it will have precautions – working for nothing.

In fact, I advise people not to sweat over Clickbank. If Clickbank does not accept you then there are many legit + productive platforms to make money on the internet.

You can even start for free if you want to earn in dollars, and here for free if you’re a Nigerian, so, do not get lost using backdoors to earn money online.

Top Time-Wasting Websites To Make Money Online With Zero Investment

Meme: me.me

(#1. Online Surveys)

When I came to the online world my first fit was with Clicksense. After Clicksense I went over to Paidadverts and more I can’t recall.

Now, if you are eligible for these offers and you don’t have an extra buck to invest in a legit business like creating a brand in 1440 Minutes, then let’s see how to get started with legitimate online surveys.

How To Get Started With Legit & Paying Online Surveys

Like any other online venture, you will need to #1. Visit website #2. Sign up with your email #3. Go on to verify your account via the email sent to your address #4. Log in to complete your profile – at times they may need your PayPal account, and #5. Start clicking and answering surveys to make cents.

Top Popular and Paying Online Surveys

Before we see the popular surveys, what you want to do always is starting with the ones that offer the best pay rate per hour; after all, you will be wasting your time to answer them so waste your time wisely with the high paying ones.

Some top survey websites and apps are:

  • Swagbucks   
  • MyPoints
  • Vindale Research   
  • Survey Junkie
  • Prize Rebel.
  • Pinecone Research.
  • Global Test Market.
  • MySurvey.
  • Opinion Outpost.
  • Qmee

See more list at moneysavingexpert.com

Making Money with #2. Micro-Tasks and #3. Website Testing

Make money online without paying anything

As the names imply, #1. Will pay you to do micro tasks such as creating or correcting texts, participating in surveys or search and categorizing data, and #2. Testing products from the comfort of your home, as in Userfeel.

For instance, if you sign up with Clickworker you will be required to work independently if your schedule is flexible and all you need is a computer and/or mobile device with an Internet connection. You decide when and how much you want to work – on a freelance basis.

Talking about Userfeel, you can become a tester and earn $10 per test. Each test lasts 10-20 minutes and is completed with your home computer or smartphone.

To see more sites like Clickworker, all you need to do is enter into Google “sites like Clickworker” and search. Same with Userfeel.


Make money online without paying anything


This involves solving the problems of potential clients. If you can write then many bloggers may want to hire you. 

For example, on this website, we have the Hire us section, this species our freelancing gigs. Meaning, you can hire us to do the stated gigs with super quality because we believe in 120% Value.

If you have to create a one-page website, do that if you can, and if not there are other freelance websites you can start with. But before that let’s see how to typically make money with freelancing.

#1. Making Money with Transcription Service

You can start a transcribing gig from the comfort of your home. Here, what this means is to convert an audio, mp3 (podcast) or other formats to words.

The amazing thing here is that a 20 audio transcription can fetch you for $10. And if you do it well, you get more from the client and referrals.

How To Create A Gig On Transcription

In your Chrome browser open up Google docs. Go to Tools, then Voice typing. Go ahead and play the audio/video on your phone and Google Docs will type it out for you. Once again, go through it and you’re done. Send it to the client and get your cut.

#2. Document Conversion Services

This service involves converting the client’s documents from either, PDF or other formats to a Kindle-friendly & accepted format.

How To Build A Document Conversion Freelance Gig

All you need here is your DOC application – MS word. Set the margin to Kindle accepted format. The margin should be at least .25 but the text can be easily read with .5.

Go ahead and take the .doc file (not new .docx), remove any images and upload to Amazon KDP and reinsert the images.

Go through your work and you would have been done.

How to Get your first Gig order – Reviews

Use the above method and make it up. However, you can give your relative $10 to buy your gig. Tell him or her to give you a positive review.

Top Freelance Places To Get Started With

#1. PeoplePerHour

#2. Fiverr (I started here)

#3. Guru

#4. ProBlogger

#5. JobDone

#6. Blogging Pro

#7. Konker

#8. FreelanceWriting.com

#9. Online Writing Jobs

If you are a Nigerian seeking to get a comprehensive guilder on Freelancing then you can see how to become a profitable freelancer with Nicky.

Horizon 2 Method To Starting Out As An Authority Freelancer.

If you want to do what is found at Wealthy Place then this is the “how.

How to Get Started as an Authority Freelancer:

  • (Optional) Do simple keyword research on your niche – an area of interest – writing? Designing? Whatever.
  • Choose the broad topics that you want to write about.
  • Create your blog where you can write and publish a few articles that will serve as your writing samples.

You can create a free blog at Blogger.com, WordPress.com, or Medium.com, but if you have a few dollars to spare, you can get your dedicated domain name and website (your brand) to have a more professional look.

I 100% recommend you start with WordPress because there are hundreds of WordPress plugins and themes to customize your freelance website to build authority & to your test.

To your advantage, here is a full instruction on “How to start a profitable Blog”.

  • Check the job boards above and apply to any listing that seems like they would be a good fit.
  • Reach out to blogs in your industry that hire freelance writers.


There is no doubt that you can start designing websites if you really want to. How do I mean when you don’t know how to design a website?

 Here is the thing. If you want to do it then you can because there are free resources to get started with. Some even charge a low amount to get you started.

How To Make Money With Zero Dollars As A Web Designer

Simply go to YouTube and search for web design tutorials. Alternatively, you can use CodeAcademy, Udemy, Bitdegree and a lot more to get started. Don’t fail to check out Tut+ (Envato) and SmashingMagazine.

When you would have finished up, sign up on the above freelance websites and start offering your gig.

The Horizon Method

the above, you want to set up a portfolio website. It does not have to be a WordPress Website.

What you will only need here is a domain name and host which you can get for free with HostGator, and even get 70% off for Hosting with a free domain if you use the coupon code – WealthyPlace2020.

Wait A Minute. Do you want to see a great website design? See this

DeTail Guide: There is an upcoming article on making money on the internet as a Web Designer. This will showcase how to start from ground zero to the bidding process, and your contact formation. If interested then you can get it here. 


I like guys that can draw or turn images to cartoons. Seriously, I am still looking for a pro who will do that for me. I know I can go to Fiverr but I can’t just do it. #My Bad reluctance.

Now if you are good as a graphic designer then there is a lot of work available for you. Some of the notable side gigs for graphic designers are website logos, marketing materials, packaging and labels, blog and social media images, and much, etc.

To get inspiration, you can visit the following websites.

I Love Typography | Logo Design Love | Just Creative | You the Designer | Designmodo


Creattica | Dribbble | Logopond  | Logo Faves | Logospire.


Best PSD Freebies | Font Squirrel  | graphicburger.

And as always, you can get started with no investment by setting up a profile on Fiverr.com or other listed freelance websites.


Just some days ago I was reading about a guy who shared how he did market research for companies. You can simply do this by researching the demand/volume trajectory of the company’s market reach.

The primary market research is what you collect yourself, with regards to customers you do this by basically getting out and talking to customers.

 If you are targeting a digital business or one that does not have a specific geographic area it services you can create online surveys and try to get people to take them, you can also create landing pages to A/B test products and ideas and see what you convert.

No need to worry as you can create surveys with Google Form, A/b testing with GetReponse landing pages.

Make money online without paying anything

The good thing is that you can use websites like Ubersuggest.com or alsoasked.com to see through traffic and questions asked in that field.

Spending a bit.

For secondary research, this is when you are getting data sets that have already been collected and analyzing them. Though many times you might be reporting on those data sets that have already been analyzed. This can be a bit more expensive but will save time.

Even though you might spend upfront, nevertheless, you can start for free using a competitive tool like SEMrush.com


Many overnight success gurus make affiliate marketing seem so simple. While it is true and false, the truth is, affiliate marketing is profitable and it can be turned to a passive income if you know what we call recurring income affiliate programs.

I don’t intend to keep us waiting on this so I will show you how to start affiliate marketing in 2020 without paying anything. But before that, here is a guide to knowing how to win the tug-war of affiliate marketing and see the top 100+ free profitable programs to start earning ASAP.


How To Start Affiliate Marketing Without Investment – Part 1


How to succeed – you need affiliate offer to promote | Shortened link | Email List & Landing Page | Email List | Traffic


#1. You Need Affiliate Offer To Promote

There will be a detailed guide on this but here is it. Go to any affiliate marketplace, Clickbank, Warrior Plus, Jvzoo, Expertnaire (Naira), Amazon Associate and sign up as an affiliate.


#2. Shortened link

Get your referral link and go to bit.ly or TinyUrl and shorten it.


#3. Email List and Landing Page

Email List

Only build an email list if you want to keep reminding your visitors about the offer. To create an email list, we will use GetReponse. The good thing is that you can start with GetReponse for free.

Sign up on GetReponse, go to list and name it to what you want. We are done here.


Landing page…

This is where your visitors will land when they click on your affiliate shortened link.

Login to your GetResponse account, go to Menu > click on landing pages >  click create to build your free landing page.


For instance, if I was promoting any of the programs to build a profitable online business, my caption could be like “LEARN HOW TO BUILD A PROFITABLE ONLINE BUSINESS EVEN THOUGH YOU ARE MR. IGNORAMUS”. 

Make money online without paying anything

Caption the offer and put a Call To Action (CTR) link. Something like “Click here to find out now (with your affiliate link)”



You can go to Reddit and harvest fresh traffic. Here is how to work it out with Reddit.

Another free traffic areas are forums and telegram + Facebook groups. However, if you have $10 to spare, test out with Facebook ads. All you need to do here is, create a Facebook page > go to *Ads on top > Create Ad > Launch your ad.


If your visitors buy from your link then welcome to making money in affiliate marketing without spending a dime. If they don’t, keep sending them reminder emails for free.

And how do you get the emails? In affiliate marketing, there’s what we call “email swipes”. It’s basically attached to each affiliate product so promoters can easily fix them in on automation using email services. This option is available with GetReponse.

Evidently, you will find this on Clickbank, JvZoo, Warrior Plus and Expertnaire (Nigerians only).

All you need to do is keep sending your list these emails for free – using GetReponse.


Once again, the offers are free, email list & landing page is free with GetReponse, traffic is free (unless you have spare $10).

For Nigerians, if you want up to N24,000 as affiliate commissions you can check out Expertnaire.com.


How To Start Affiliate Marketing Without Investment – Part 2

Unlike the first option, here what you will do is building a simple website thereby sending visitors to your affiliate offers. To cut the chase here is how to do it completely.


Truth is, there is a possibility that there are a lot of people looking for ways to receive payment in your country if PayPal is a taboo. Also, other people are struggling with opening an approved Upwork account. Do you know what to do? Go ahead and see how to solve those.

When you are confident of solving it, do it for free for 4 persons, when done, go ahead and start helping more people do it for a fee.

While others may charge $50 or more (be it PayPal or Upwork account opening), you can do it for $20. It’s not bad to make $20 for 20 times than $50 for 2 times.

What’s this free make money online method about? Sell demanding gigs and get started.


This does not get so boring. I love this so much that in the last 10 days I have designed close to 8 landing pages and front pages combined. Just take a look at this site’s front page, do you like what you see? What of this one? Do you like it as well?

If your answer is yes, yas, yeah and hell yes, I do, then you can simply do that for others and get paid. To see how to set up a WordPress blog for free here are two guides. With HostGator and Domain king (Nigerians).


Bonus: check out this free resources page.


How do you do the design?

You can simply use free tools such as Elementor, Beaver, and SiteOrigin to design them. I recommend you have some samples in case you are asked by a potential client.

In essence, what we are doing here is setting up a website, designing it and making money for free.


#11. WRITE FOR FREE – Waiting & Loading For A Time Bomb Chance.

You can start writing to get paid. Yeah, you don’t have to create a WordPress.org blog if you don’t have the funds just yet. Start with the free ones; Medium, tumbler, Weebly, and more.

But note, you can’t just write and that is it. Share the blog post and let’s hope someone or a company notice your writing and come on to collaborate.

Your question now is,

Does this work? Well, first of all, get the details here, secondly, most of the things on this list are from my experiences and what works, so, they’re not vague methods from the moon.

The next question,

Will it be easy to find your first collaboration? The answer is as good as what’s in your mind now – no. But luck is part of the deal. See how Tim Denning did it.



Do you know you can make money online without spending a dime on Quora, all for free? If no, know today that I never knew as well. The only code I have cracked on Quora is swimming on Affiliate marketing. But there is more. This is known as Quora Partner Program.

“What is the Quora Partner Program All About?

According to patchesoft.com, the Quora Partner program is an invite-only system that will pay you real money for asking questions on Quora. That’s right- by just asking questions, you can potentially earn thousands of dollars every month.


But before you get so excited, know that there are strict policies and guidelines you must adhere to on Quora partner program. Make sure to check out their terms and conditions.


Yes, don’t be alarmed that you can earn from medium.com. Why? They charge her exclusive content readers $5 a month, so, part of that cake is what you will get when you enroll in Medium Partner Program.

To join the Medium Partner Program, all you need to do is to link your Medium account with your bank account or debit card via Stripe. You’ll find more information below.


Note: See this page to check if Stripe is available in your country. If you’re a resident of India, please see this article to learn more before proceeding.

  1. Go to medium.com/creators and click Join the Partner Program at the bottom of the page.
  2. Read and accept the Partner Program Terms.
  3. Connect your bank account or debit card with your Medium account by choosing the option relevant to you from the list and click Set up payments on Stripe.
  4. Fill out all the information required by Stripe to create your Stripe account. You must use your legal name, and not anonymized or pen names. To learn more about choosing the right type of Stripe account to your needs and setting up payments, see this article.
  5. Finish creating your Stripe account.

Once you enroll in the Partner Program, you will be able to publish stories on your own and start earning money from them. To learn how to make your story eligible to earn money, read this article.


When Do You Get Paid?

Your Partner Dashboard is updated every day. Medium will deposit your earnings into your bank account on the last Wednesday of every calendar month.

They use UTC days, meaning they include all earnings from activity during midnight UTC to 11:59 PM UTC. Earnings are then updated within a few hours.

Ready to jump in and make money? Why not. Sign up.


Do you know you can make money with AdSense without owning your branded blog, no? IF NO, HERE IS IT.

You can go right now and create a free blogger.com account. Go ahead and start writing on it. But before you do, do some keyword researches so you can get free traffic from the Google search engine.

The good news here is #1. Your blogger account has an automatic integration for AdSense, all you need to do is open an AdSense account and copy the code and paste for processing, and

#2. You can do keywords research for free – start for free with KwFinder.com or better with Semrush.com 


It’s amazing what I can use my PC to do if I can program or play with AI. But do I really need to know how to make mobile applications to make money with Admob for free? The answer is no.

Make money online without paying anythingIf you know how to build apps, then all you need to do is list it on the mobile app store like Google Playstore. No need to go to the iOS store yet. Just test it out on Google Playstore – android version – and see how far you can go.

 Of course, share the app with your peers, and your fans, as related, go on to apply with Google Admob, and lastly, let me see what will stop you from making money online in 2020.


The question is, do you know how to make android apps? If no, then the answer is you can get it done without knowing how to write a single line of QBasic or FORTRAN which I hated in my university days.


How can I help you go about this?

There is an AI nerd that knows the coins about this. I mean, you can learn it without knowing a single line of coding – I am talking about John Obidi.

Immediately I saw his stuff online what I did was to go to a trusted-professional website like LinkedIn to see if what he professed was true. 


You can check out to create android apps and make money using admob without knowing a single line of coding. See John Obidi’s App building for Beginners.


It’s easy for me to say “start a YouTube channel to make money for free”, but what sort of? Well, I think one of the fastest ways to make money is starting the children’s channel – I mean a toy or cartoon channel.

The good news is that you don’t need anyone to speak on the video. Think of Tom and Jerry, they hardly say a word yet their videos are raking millions of views. That is by the way as it’s just my opinion.

What channel would you love to start with? I don’t know for you. But when you decide, here are some tools to help you out. Free video tools. Loom, OBS, Camtasia, and search for more on Google – Free video tools.

How Do You Start A Free Money Making YouTube Channel?
  • Choose the topic for your channel. Use a tool like VidIQ for keyword research.
  • Create a YouTube account and name your channel.
  • Record your first video.
  • Upload it to YouTube.
  • Study YouTube SEO so you can get exposure for your videos.


Do you know you can make money submitting articles to new sites? For instance, Babyfit.com is for women at different stages of family life, with a focus on conception, pregnancy, and parenting.

Although they occasionally hire writers who specialize in “health topics related to pregnancy, parenting, nutrition, and fitness, the good news is that the pay $25-$90 per article.

Ready to make your first money? Go ahead and start submitting articles to top new sites. All you’ve got to do is look out for their “Write for us page”.


You can make money by coming up with quality Photoplasty and Pictofacts Contests. And what are those? Taken from Cracked.com, Pictofacts involve light writing and research and Photoplasty is a little more artistry-based.

What happens is that you get paid for knowing how to use Photoshop. Please learn more and see how to earn


I like the fact that I can drive and make money on my schedule. How can you do this? Try first with Uber. 

How it works.

Drive and make as much as you want. And, the more you drive, the more you could make. Plus, your fares get automatically deposited weekly.

Most attractively, you only drive when it works for you. There’s no office and no boss. That means you’ll always start and stop on your time—because, with Uber, you’re in charge.

You can sign up for Uber. To see if Uber is available in your country, enter this on Google. “Uber + Country”.

make your first $100


Sure enough, there are over 2,000+ high ticket programs to promote and make good money. But that is not all. You can go further to join any favorite platform you want – all for free.

How about going on with Alpari? These guys will pay you $35 for every registered referral. Ready to get started? Why not when all you need to do is click the signup button.

Check out Alpari.com if you want. Alternatively, here are 2,000+ referral program lists per country.


Now, what if you have experience in any field? Do you think you can make money from it? The answer is yes, and you are just one step away from getting started today.


How to get started

Hub up to sites like Udemy, Coursera, Bitdegree and more, sign up as a teacher as most of these online course platforms allow you to list your course for free in exchange for getting commissions based on sales. To find more sites, search on Google for “Online course platforms + sites”



Perhaps you’re an influencer on social media. What could you do with that? Leverage it, please. How? Few months ago I went out to ask an influencer of about 10,000+ followers to tweet my website for me. Guess what?

I was billed more than $10 for a start – 3 times tweets. So you see this works if you’ve garnered the right and engaging audiences. And if you are doing this, I think it works best on Twitter & Instagram (my opinion though).



There is more being a virtual assistant, however, the most important thing is that you will be ready to provide support services to other businesses from a remote location.

People love Virtual Assistants, do you know why? Here is it. Because getting virtual help is crucial for home business owners to maximize income and facilitate growth.


How To Launch Out As A VA:

  • Decide on the services you want to offer
  • Create your own website to list your services and allow people to contact you. You can always use a free website if you want or create a simple site in 5 minutes.
  • Look for VA opportunities from the already listed freelance places.
  • Reach out to people and businesses that you think would benefit from your services.


This might be weird as you know, but truth is, it is worth it if you’ve got nothing at all from the list that suits you. Here is how this works.


You can start watching quality videos on a site like Coinbase.com. They will pay you in cryptocurrencies, from there you can exchange it to PayPal and use it as you want.



How To Get Started

  • Sign up at Coinbase
  • Enter your email account.
  • Verify your account and start watching videos to earn more without investing anything.

Get More 120% Value
Wealthy Place creates the bridge for and against a baggage known as 9-5 Jobs. Therefore, if you really want to build an authority online business, then make no mistake to join others that get value today!
When you join in you will get weekly, ground breaking, useful and high quality informative emails with the latest money-making strategies with details and 120% value.
Join our List here.

Final Notes on Free Online Investment Earnings

There is no doubt that all the above can fetch us money, anytime and at any moment.

However, while the bad side of some make free money streams is that you will need to sacrifice your time to earn small bucks, the big ass part is that you can also make money building a profitable online business for free.

You can learn more if you want to earn in dollars, and here if in Naira.


Before I hand over to you…

It’s worthy to note that earning my first money online came from Affiliate marketing which I showed how I earned my first $100 online.

If you are still confused about what to do, why not create an amazon site and start making money from the comfort of your home?


Let me say this.

MANY beginners have come in and made money online, some grinning up to $500. Nevertheless, it’s okay to disclose that this is possible but not as many make it seem. The big question is, can you be the next? That is if it’s your decision today.

Here is the link to watch the videos. And of course, you can join for free and let’s see how far your success will be.

All in all. That is the end of making money without investing anything online. I hope this added virtue.

Let me know what you think about these make money online routes and the ones that have worked for you so far.

Thanks for a share


  1. Tanner Mickell
    March 24, 2020
    • March 24, 2020
      • Ibukun Ola
        June 5, 2020
  2. Myles Calderon
    June 18, 2020

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