Passive income without investments. How to create passive income from scratch? Proven Ways to Gain Financial Independence

What's happened passive income and how to create it to an ordinary person? How can you live only on the interest from your investments and never work again? Read about all this below.

1. What is passive income

Passive income- this is a permanent and stable source of income that does not require any time investment (or it is minimal)

The main idea of ​​passive income is to create eternal sources of income for yourself and then permanent basis make a profit from them. That is, we created something once and then we don’t do anything to get money. For example, the work we are all familiar with is an active source of income, since payment is made only when the employee goes to work. Therefore, you need to constantly waste your time.

The simplest example of passive income is renting out an apartment. You are paid monthly rent. In order to receive this money, no further action is required from you.

The sooner you think about creating passive income, the more opportunities you have. You will be able to accumulate more funds faster and more to implement your plans. And the majority have plans: to create financial freedom for themselves and no longer work, but do what they like.

Benefits of Passive Income

For example, you can put money aside in a bank deposit every month and save a good amount over the course of a year. Over 3 years, this amount will be even more substantial and perhaps even a percentage of it will be enough for you to meet some needs.

3.1. The effect of compound interest

In mathematics there is such a thing as compound interest. Simply put, this means that over time, your savings begin to grow not linearly, but exponentially. This can be easily achieved by reinvesting the income received.

For example, if we deposit 1 million rubles at 10% per annum, then in a year the amount will be 1.1 million rubles. Now, putting the same money in the bank at the same 10% per annum, after two years the amount in the account will be 1.21 million rubles. In the second year, capital increased by 110 thousand rubles, and not by 100 thousand rubles, as in the first year.

I agree with those who say that this is insignificant. However, if we take a calculator and calculate what will happen in 10 years, in 20 years, it turns out that the effect is already huge.

I discuss this topic in more detail in the article:

• Develop your financial literacy. To do this, read books about investing, trading, and the philosophy of wealth. You can start with Robert Kiyosaki and continue with stock market literature.
• Create new assets regularly. Look for new opportunities, they are always there.
• Create multiple sources of passive income. Sticking to just one carries risks.

3.3. Rules: how to become rich from scratch

Exists basic set rules that should be followed by everyone who wants to become rich. They are not at all complicated and anyone can do them:

1. Pay yourself. As soon as you receive your salary, first of all set aside some of the funds for yourself (at least 10%). Usually people, on the contrary, pay off debts and spend money, and save what remains. This is a habit of poor people, eliminate it from your life.
2. Save what you put aside. This rule implies that the funds set aside cannot be spent.
3. Increase your money. It is necessary to invest money in reliable assets in order to constantly increase your capital. We will talk about sources of passive income below.
4. Save what you have increased. It is best to reinvest the profit received so that your savings grow faster. There is no need to invest money in dubious and overly risky assets.
5. Create several types of assets to minimize your risks. Whatever your total reliable income is, it will be even more reliable if you distribute your money among several such sources.

4. Sources of passive income

There are many sources for creating passive income. Each of us has our own knowledge, skills, capabilities, wishes, so only you can decide for you what exactly you can do. We will only look in detail at the basic options for stable sources of money (you’ve probably already heard about many of them). We will focus on the mathematical basis to calculate how profitable each option is.

How many sources of passive income you will have is up to you to decide. I can only say that the more there are, the more reliable and wealthy your life is. Therefore, follow the Pareto principle: 20% brings 80% of the result. Make small efforts across different industries to reap the biggest benefits.

4.1. Bank deposit - a source of passive income

A bank deposit is the most popular means of saving and accumulating funds among the population in Russia. The interest that banks offer is certainly not as high as we would like, but nevertheless, this is really the most reliable way to slightly increase your capital in the absence of any action.

There are a lot of offers on the bank deposit market. Each bank offers its own range of deposits. If you spend literally 10 minutes, you can choose the most profitable one for you. This can increase profitability by 1-3% per annum.

There is no need to worry about the funds being lost. All deposits are insured by the DIA in the amount of 1.4 million rubles (including interest). That is, there is no point in putting 1.4 million rubles in one bank. It’s better to put in a little less so that the interest that will accumulate is insured. For example, if we are talking about a rate of 8% per annum for a year, then it would be logical to put in the amount of 1.27 million rubles and sleep peacefully.

How much can you earn

The return on the deposit will change at any given time, so you should check the relevance of the information. As of 2018, you can find deposits with maximum rate at 8%. In more reliable banks at 7% per annum. These are almost the lowest deposit rates for new story Russia. Previously, there were always offers at 10-12%.

• Investment reliability (amount insured by DIA)
• Predictable income
• No action is required from the investor
• You can invest any amount
• There is no opportunity to “break out” and spend money, because... it is necessary to terminate the deposit agreement and then the accumulated interest will “burn out”

• Low yield
• It is impossible to close the deposit ahead of time without losing interest
• You cannot store substantial amounts of more than 1.4 million rubles in one bank

I also advise you to partially store your money on debit cards, which give interest on the balance. These cards also give you cashback on any purchase. I use these cards myself:

• Tinkoff. 6% per annum on balance. Amount up to 300 thousand rubles. You can transfer any amount to a special savings account at 5% interest.
• Benefit (HomeCredit Bank). 7% per annum on balance. Amount up to 300 thousand rubles.

To summarize, we can say that it makes sense to have some part of the money on deposits, because... it is a liquid and reliable asset.

4.2. Real estate

Real estate has always been and will be in trend among investors. Such purchases can be visually seen and felt. However, their profitability is extremely low, but first things first.

You can make money in real estate in two ways:

1. Rent
2. Resale

For passive income, the first option is considered, since the second method is more risky and requires constant search on the market of new good offers.

The following types of real estate investments are distinguished:

• Residential (apartments)
• Commercial (garages, office premises, warehouses)
• New buildings (investments in the construction of new facilities)

Large investors buy commercial real estate more often, since the yield from renting out non-residential premises usually brings more profit, and also does not require any repairs. However, this situation arises only during favorable periods of the economy, when GDP is growing steadily and inflation is within acceptable limits.

It is difficult for an ordinary person to buy commercial real estate due to its high cost. Objects vary, but usually a good place costs the same as 3-5 one-room apartments. Therefore, many would rather choose the option of purchasing 3 apartments than one such property.

Since 2014, the economic situation in Russia has been quite difficult. Real estate prices are not rising. Therefore, many who invested in commercial real estate are now at a loss. Residential prices also fell, but with slightly less losses for the investor.

What is the profitability

The rental yield is a modest 4-6% per annum. This is even less than on bank deposits. At the same time, there are still risks of damage to property by tenants and periodically you will have to invest in repairs (rarely, but such moments still happen).

Of course, it is worth counting on the fact that real estate will rise in price over time, but this is an extremely long process. For its value to increase, there must be economic growth in the country as a whole. Otherwise, due to salary cuts and high inflation, no one risks taking out a mortgage, even with low rates.

• High reliability
• Real estate can actually be seen with your eyes, which is very important for many people
• Stable rental income
• Great option for risk diversification

• Low yield
• Low liquidity (when selling, you will have to look for buyers at the average market price, plus another 2-3 weeks to complete the transaction)
• There are overhead costs for maintaining the property
• Large investments (apartments cost several million rubles minimum)

4.3. Securities

The securities market is traditionally considered one of the most profitable options for increasing money. Yields here are on average at the level of 8% -20% per annum, provided that you act on the “buy and hold” principle. If you engage in trading, you can significantly increase these numbers and get 30%, and even 100%.

High profitability and greater liquidity allow you to quickly and efficiently manage your capital. Anyone can enter the market, and all it takes is a small investment. I would recommend entering the market with amounts starting from 100 thousand rubles.

To open a brokerage account online, you can use the following brokers:

These are leaders in the provision of brokerage services in the market. I recommend working only with them. They have low commissions, wide choose tools for trading.

Alexey Zenkov

When someone is looking for an opportunity to receive Additional income, most often he is advised to find a temporary part-time job. But what if you don't have the time or energy for this? In this case, you need to find ways to generate passive income - earning money with a small investment of time and effort on your part.

1. Try index funds

Index funds allow you to earn income from investing in the stock market completely passively. For example, if you invest in a fund based on the S&P 500 index, your money will be invested in the overall market, and you won't have to worry about how to manage your money or whether to sell or buy shares of certain companies. All these points will be managed by the fund, which forms its investment portfolio depending on the state of a particular index.

You can also choose a fund that covers any index. There are funds involved in various business sectors - energy, precious metals, banking, emerging markets and others. All you have to do is decide for yourself that this is what you want to do, then invest the money and relax. From now on, your stock portfolio will run on autopilot.

1. Make videos for YouTube

This area is developing very quickly. You can make videos of absolutely any category - music, educational, comedy, movie reviews - anything... and then post it on YouTube. Then you can connect to these videos Google AdSense, and they will appear automatic advertising. When viewers click on these ads, you will earn money from Google AdSense.

Your main task is to create decent videos, promote them on social networks and maintain a sufficient number of them to provide yourself with income from several clips. Shooting and editing a video is not that easy, but once done, you will have a source of completely passive income that can last for a very long time.

Not sure you'll succeed on YouTube? Michelle Phan combined her love of makeup and drawing with video production, gained more than 8 million subscribers, and now launched her own company with a capitalization of $800 million.

1. Try Affiliate Marketing and Start Selling

This is a technique passive income, more suitable for owners of blogs and active Internet sites. You can start promoting any products on your website and receive a fixed fee or a percentage of sales.

Making money this way is not as difficult as you might think because many companies are interested in selling their products in as many places as possible.

You can find partnership offers either by contacting manufacturers directly or on specialized websites. It is best if the advertised product or service is interesting to you or matches the theme of the site.

1. Make your photos profitable online

Do you like photography? If so, you may be able to turn this into a source of passive income. Photo banks, such as and, can provide you with a platform for selling photos. You will receive a percentage or flat rate for each photo sold to a website client.

In this case, each photo represents a separate source of income that can work over and over again. All you need to do is create a portfolio, upload it to one or more platforms, and that's where your active work will end. All technical issues Photo sales are handled through the web platform.

1. Buy high-yield stocks

By creating a portfolio of high-yield stocks, you will receive a source of regular passive income with an annual interest rate that is much higher than the interest on bank deposits.

Don't forget that high-yielding stocks are still stocks, so there's always the possibility of capital overvaluation. In this case, you will receive profit from two sources - from dividends and return on invested capital. To purchase these shares and complete the appropriate forms, you will need to create a brokerage account.

1. Write an e-book

Of course, this can be quite a time-consuming process, but when you write a book and post it on trading platforms, it can provide you with income for years. You can sell the book on your own website or enter into a partnership agreement with other websites that are similar in theme to the book.

1. Write a real book and get royalties

Just like writing an e-book, there's a lot of work involved at first. But when the work is completed and the book goes on sale, it will become a completely passive source of income.

This is especially true if you manage to sell your book to a publisher who will pay you a royalty on the sales. You will receive a percentage of each copy sold, and if the book is popular, these percentages can add up to significant amounts. Moreover, these payments can last for years.

Mike Piper of ObviousInvestor.com recently did just that. He wrote the book "Investing in simple language", which was sold only on Amazon. The first book became so profitable that he created a whole series. These books total .

1. Get cashback on credit card transactions

Many credit cards offer cash back ranging from 1% to 5% of the purchase price. You still go shopping and spend money, right?

Such bonuses allow you to provide yourself with a kind of passive “income” (in the form of reduced spending) from actions that you perform anyway.

1. Sell ​​your own products online

The possibilities in this area are endless: you can sell almost any product or service. It could be something you created and made yourself, or it could be a digital product (software, DVDs, or instructional videos)

For trading, you can use a specialized resource, if suddenly you do not have your own website or blog. In addition, you can enter into a partnership agreement by offering goods to sites on relevant topics or using platforms like (American marketplace for selling digital information products - editor's note).

You can learn how to sell products online and earn quite a lot from it. This may not be completely passive income, but it is certainly more passive than a regular job that you have to go to every morning.

1. Invest in real estate

This method falls, rather, into the category of semi-passive income, since investments in real estate imply, at least, low level of activity. However, if you have a property that you're already renting out, it's mostly just a matter of maintaining it.

Additionally, there are professional property managers who can manage your property for a commission of approximately 10% of the rent. Such professional managers help make the process of receiving profits from such investments more passive, but they will take part of it.

Another way to invest in real estate is to pay off a loan. If you take out a loan to buy a property that you will rent out, your tenants will pay off that debt a little each month. When the full amount is paid out, your profits will skyrocket and your relatively small investment will turn into full-fledged program leaving your main job.

1. Buy a blog

Thousands of blogs are created every year, and many of them end up abandoned after some time. If you can acquire a blog with enough visitors—and therefore enough cash flow—it can be a great source of passive income.

Most blogs use Google AdSense, which pays once a month for advertising placed on the site. To provide additional income You can also enter into partnership agreements. Both of these income streams will be yours if you own a blog.

From a financial perspective, blogs typically sell for 24 times the monthly income the blog can generate. That is, if a site can earn $250 per month, most likely you can buy it for $3,000. This means that by investing $3,000, you can receive $1,500 annually.

You may be able to buy the site for less money if the owner really wants to get rid of this asset. Some sites contain “eternal” materials that will not lose relevance and will generate income years after publication.

Bonus tip: If you buy such a site and then fill it with fresh content, you will be able to increase your monthly income, and you will be able to sell the site again after some time for a significantly higher price than you paid when buying it.

Finally, instead of purchasing a blog, you can create your own. This is also a good way to earn money.

1. Create a website that sells

If there is a product that you know a lot about, you can start selling it on a specialized website. The technique is the same as when selling a product of your own making, except that you do not have to deal with the production itself.

After some time, you may find that you can add similar products. If this happens, the site will begin to generate significant profits.

If you can find a way to ship products directly from the manufacturer to the buyer, you won't even have to get your hands dirty. This may not be 100% passive income, but it’s very close to it.

1. Invest in real estate investment trusts (REITs)

Let's say you decide to invest in real estate, but you don't want to devote any attention or time to it. Investment trusts can help you with this. They are something like a fund that owns various real estate projects. The funds are managed by professionals, so you don't have to interfere with their work at all.

One of the main advantages of investing in REITs is that they typically pay higher dividends than stocks, bonds and bank deposits. You can also sell your interest in the trust at any time, making such assets more liquid than owning real estate on your own.

1. Become a passive business partner

Did you know successful company that needs capital to expand its business? If so, you can become something of a short-term angel and provide that capital. But instead of giving a loan to the owner of the company, ask for a share of the shares. In this case, the owner of the company will manage the work of the company, while you will be a passive partner, also taking part in the business.

Every small business needs a source of referrals to support sales. Make a list of entrepreneurs whose services you use regularly and whom you can recommend for cooperation. Contact them and find out if they have a system for paying for referrals.

The list could include acquaintances: accountants, landscape designers, electricians, plumbers, carpet cleaners—anyone. Be prepared to recommend the services of these people to your friends, relatives and colleagues. You can earn a commission on every referral just by talking to people.

Don’t underestimate referral programs in the professional sphere either. If the company you work for offers bonuses for referring new employees or new clients, take advantage of it. This is very easy money.

1. Rent out your unused property on Airbnb

You might ask: If there are so many apps out there, why would you try to create another one. Is there too much competition? This is all true, but fresh, creative ideas can benefit. If you can come up with something unique, you can make money from it.

Don't know how to program? No problem, you can learn. There are a lot of different courses on the Internet, including free ones. Alternatively, you can hire a developer to create an app based on your idea.

The end result is an application that will potentially generate relatively passive income.

1. Create online courses

Every person is an expert in something. Why not create an online course about your passion?

There are several ways to create and deliver your own online courses. One of the most simple ways is to use sites like

Types of passive income are those in which the availability of stable financial income does not depend on daily work activities. Any of us has heard about people who live off such income - those who do not have to go to work. They are called "rentiers", that is, living off rent.

Rent is the income that the owner receives from fixed capital placed in real estate, deposits, securities, etc. “From the same opera” - sources of passive income associated with copyrights. By the way, the last option is not ordered to anyone these days. Everything is simple here: having created something once and registered the copyright on your own brainchild, you will have such royalties with each next sale.

If you are a professional (no matter what field) - you have a real opportunity to monetize own knowledge. Simply record the training course on video or audio and release it to the market.

Why are we not rentiers?

Today we will look at options for passive income and its possible sources. Its huge advantage is the freeing up of personal time, which can be spent on your favorite activities, family, relaxation, household chores or somewhere else. Anyone who works hard all day at work is almost completely deprived of such a wonderful opportunity.

Managing personal time at your own discretion does not mean wasting your life in entertainment venues, or lying on a warm beach - many people would be happy to engage in charity work, helping the sick and homeless, or creating works of art. To start making all these dreams come true, you need the most stable passive income.

Everyone has heard the expression “money to money.” What does it mean? Nowadays, it is not uncommon for a person, having a generally good salary, to “eat up” it completely, buy things on credit and borrow from relatives and friends from payday to payday. This continues for years and decades.

But why is this happening? I think the main problem for such people is that the idea of ​​passive income does not even occur to them. They are not able to create an asset that will work for their well-being in the future. These people immediately spend everything they earn, and thus deprive themselves of the only chance to ever escape the captivity of financial slavery.

Do you recognize yourself?

Some of these consumers can be classified as “financial zombies.” These are those whose assets have long been a negative value. That is, their expenses are greater than their income. Debts accompany them throughout their lives. Having given one loan, they immediately take out the next one and so on.

The other category is a little more prosperous (but this does not make it any easier) - it tries to somehow correlate its expenses with the amount of earnings. They sometimes have a set of necessary goods - housing, a car, etc. Most of this was purchased on credit, which puts the owners in a dangerous and unstable position. After all, if any unforeseen financial circumstance happened, their well-being would crumble like a house of cards.

There is progress...

In contrast to the above categories, there are those whose assets can be considered positive. That is, their income is higher than their expenses. The majority of ordinary citizens from this group prefer not to have debts or reduce them to a minimum and even have some savings, but such saved finances do not play a fundamental role, since they accumulate extremely slowly and are located either under the mattress or (at best) on a savings account.

The most advanced of our fellow citizens are those who are haunted by the idea of ​​passive income. They try to seize every opportunity to invest free funds and create their own additional financial source.

Let's turn to the authorities

Many people know the name Robert Kiyosaki. This investor and businessman has written a number of popular books on the basics of financial literacy, which will not be amiss for anyone to read. For example, one of the interesting and the most effective advice of this author is as follows: the mistake of almost each of us is that, having earned a certain amount, we try to distribute these funds to anyone, but not ourselves. We pay rent and public utilities, but at the same time we leave nothing for ourselves. You should start with yourself by creating your own monetary asset. Subsequently, it will become the basis for investing in a business or another source of permanent income.

Another “pro” in financial matters named Rockefeller once said that a person who works full time has absolutely no time to earn money. Despite all the paradoxical nature of this saying, its wisdom lies on the surface - indeed, working in an office or in production, each of us is able to earn money for ourselves personally only for current expenses to maintain daily existence. There is neither strength nor free time left for actions leading to wealth and prosperity.

The conclusion is this: the main resource is time, as any wealthy person knows well. The idea of ​​passive income is based on the correct distribution of this invaluable asset. And only after achieving this can you begin to move towards financial success. Everyone knows that everyone who achieved wealth initially had a specific list of goals. Well, the third, most important component for creating passive income is active, targeted work over a number of months or even years.

The result should be a legal opportunity to quit your unloved job and start living on dividends.

Passive income: examples and options

Now let's talk about the ways in which passive income is created. All of its sources can be attributed to four types - investment (or financial), intellectual, marketing or legal (that is, the one that we are entitled to by law). Passive income in Russia is no different from that in any other country in the world.

We will receive passive income of a financial or investment nature if we invest in a certain financial instrument, which will bring us a certain percentage of profit. Sources of such investment may exist in the form of real estate, securities, bank deposits, our own business (if purchased), or equipment owned by us that can be leased.

The second of the listed options, called intellectual, arises, as mentioned above, through the creation and implementation of any product of mental labor. The information business, which is widespread on the Internet these days, is based on this principle. Many professionals in various fields develop and design their own training courses, then release them for sale an unlimited number of times.

"Affiliates" is an interesting topic

It is also possible to purchase resale rights similar product, which can bring no less income. This type of earnings is called affiliate marketing. Other sources related to this item may include royalties, patents for completed inventions or developed technologies.

Earning money from affiliate programs is an excellent way out for those who do not have too much hope in creating their own intellectual product - because this saves time and mental resources. You just need to join such a program or purchase the right to resell (resell) a selected book, video or audio course.

Other earnings without investment

Marketing passive income is one in which you organize your own marketing system or several of them. Example similar structure may be your own website on the Internet or a personal brand, the right to use which you can also sell. A combination of several of the strategies mentioned is also possible.

What is meant by the concept of a personal brand? This is commercial use famous name. An example is filming, television and sports stars filming commercials. Becoming the “face” of a specific trademark, they get good money.

The fourth type - legal income of a passive nature - includes all cases when people, in addition to a certain (sometimes not too high) remuneration for their work, receive certain bonuses from the state. This could be, for example, early retirement with a guaranteed receipt, which is typical for the military, etc.

Going online

Creating a website for making money on the Internet (or blog). These days this is not required large number complex technical knowledge and skills. You can make an acceptable website with your own hands by mastering the minimum information that can be easily and freely found on the Internet. There are many step by step instructions and video courses.

Of course, own blog or the site will not immediately bring you monetary returns. To promote it and bring it to an acceptable level, it will take at least six months, and most likely a year or two. All this time you will have to work on your own project on a regular basis, optimize it and bring it to fruition. This work will take several hours daily. However, you can count on the first small revenues within a few months from the start.

Having created and promoted a website, you can sell it, and for a very good amount. To a person who has mastered this technology, it is quite possible to organize your own business for the “production” and further sale of profitable Internet pages.

How do they make money on them? The most popular methods include generating income by placing blocks of contextual advertising and similar articles on resource pages, of course, not for free. Placed on websites affiliate links and sell advertising space; they also actively offer training courses to customers, both their own and those of partners.

In a word, there are a lot of ways to use such a valuable resource as a blog or website on the Internet, and you always have the opportunity to choose something that suits you.

For those who are not deprived of intelligence

Creating a product that has intellectual status (this includes books, educational videos, new technologies, etc.) implies the presence of a certain talent, as well as high level professionalism in any of the areas.

If you are an inventor or developer of an industrial design that has become fundamentally new, then your labor products can safely be classified as intangible assets. This term refers to those derivatives of our intellect that generate income in the absence of a material form. Examples include trademarks, brands, or patented inventions.

Let's go down to earth

Income from renting out an apartment (or other real estate, if available) is a well-known and very common option. But there are others like it: it is possible to “let out” not only buildings or retail space, but also equipment related to a variety of industries - trade, construction or manufacturing.

And other expensive items (for example, automobile equipment) will bring you good dividends. Sometimes it is more profitable to manage equipment than real estate. In particular, by purchasing tools and equipment for construction, you can actually organize a good and quite profitable business based on their rental. The payback on such activities is very high and in time significantly exceeds a similar indicator for rented real estate.

Do you want to become a shareholder?

Investments in securities (or other financial instruments, which include a huge number of banks, PAMM accounts, mutual funds) are a widely accepted practice these days. This activity is considered one of the types of business.

Replenishing the number of professional investors is not an easy task. This activity is quite complex and requires a competent approach, as well as quite serious training. Proficiency in financial instruments is impossible without a more or less acceptable education in this field, the ability to compare various flows of information, take into account risks and predict the situation.

Investments in securities have certain advantages compared, for example, with bank deposits, in the form of a higher level of profitability, but at the same time, the high risk of losing invested funds sometimes cancels out all the existing advantages. Having decided to plunge into the world of stocks, mutual funds and PAMM accounts, remember that with the exception of long-term loan bonds, stable income is not so easy to achieve here, and the risk of incurring significant losses is always quite high.

Everything can be sold!

A relatively simple and, perhaps, generally accessible option for creating a source of passive income is participation in network marketing. The amount of initial investment, if any, is not too large and rarely exceeds a hundred dollars.

A necessary condition for those who are trying to succeed in this field is communication skills and a willingness to contact a large number of people. In the future, these people - your team - are able to bring in money without your participation by organizing their own network, from which you will receive a percentage of the income.

Do you need a lot of money?

The classic and, perhaps, best way was and remains to create your own business. If this action takes place in virtual reality, that is, on the Internet, global financial investments at the initial stage, as a rule, are not required. That is, this option is available to people with very limited material resources.

Even earning money without investments is quite possible, or you can earn money by accumulating a small initial capital right here, on the Internet.

There are a huge variety of options for starting and promoting your own business, both online and in real reality. In “life,” of course, this requires a lot of expense and overcoming many organizational and legal difficulties. In addition, the competition here is very, very high. But still, by looking around carefully, you can spot your own niche, not yet occupied by your rivals.

What's in reality?

For example, a very promising business with passive income in our time is the purchase and placement in large hypermarkets and other crowded places of machines for a wide variety of purposes - from payment terminals to units selling coffee and pies. Such a business is called vending. A person purchases at his own expense and installs machines, which then provide him with a constant and stable income.

In a short article, we do not have the opportunity to consider all types of passive income - there are very, very many of them. Variants of it are offered to us today by the media, and the Internet has been and remains their irreplaceable source. We want to conclude our material with important tips.

A few parting words

1. At any cost, try to regularly find time left over from your main job, which you will spend on creating your future asset. Constantly think about how to best use it. Your goal is to ensure that earnings from your main job do not remain the only source of money for you. You must find sources of passive income that allow you to make a profit more than once or twice.
2. Don't limit yourself to creating a single source like this. There can and should be several options for passive income, and the more, the better. After all, there is always a risk of losing one or most of them. In this case, losses will be compensated through parallel channels. You can see the importance of this postulate by reading about multiple sources of income from Robert Allen.
3. Don't forget to educate yourself. Knowledge is an asset that will not hurt anyone. Understanding the world of finance, understanding how money is made, where it comes from and where it goes, is no less important than inventing it. interesting idea for an investment or to be lucky enough to be in the right place on time.

The principles of creating passive income do not contain any special secrets. If you are determined to succeed, you have the necessary minimum knowledge and some free time, the result is likely to please you sooner or later.

Greetings, friends. Many people are interested in how to make money on the Internet and where to get sites that won’t get scammed. Today I decided to make a selection of proven sites for making money on the Internet with withdrawal of money in real life.

Services providing different simple work there are a lot on the Internet, but I made a selection only from proven services that pay regularly and have proven themselves well in my eyes. Scams and non-payments are very common in this niche, since it is easiest to make money from inexperienced beginners, so many fall for scammers. I remember in 2007 or 2008 I myself earned my first $10 from clicks in one service, but I couldn’t withdraw it, and I wasted a lot of time.

Another trick of scammers is to first ask you to pay for various nonsense or as a sign of seriousness of intentions, and then disappear with your donations. So you should immediately look for services for earning money without investments, everything with investments is a scam, with rare exceptions. I can imagine, you came to get a job as an engineer at a plant, and they tell you to put 30 thousand in the cash register first - well, that’s nonsense?

And one more point that I would like to highlight is that there are sites where you can earn money, but you cannot withdraw funds. That is, there is a certain internal currency, after receiving which you can spend it on all sorts of coupons, services, or various specific goods. It’s a stretch to call it earnings, since you can’t get real money from them. So when searching, immediately choose sites for making money where you can withdraw money to Yandex Money, Webmoney, Qiwi, PayPal or other common currencies and don’t be fooled by anything else.

Sites for making money on social networks

This type of income is based on the purchase by advertisers of various social signals - likes, reposts, subscriptions, joining a group, video views. If you have accounts on VK, FB, Twitter, Instagram, Youtube, Odnoklassniki, Google+, etc., then you can get to work.

1. Cashbox.ru

Convenient service for work. Automatic check simple tasks without the need to send reports for likes or subscriptions. In addition to tasks on social networks, there are more complex and higher paying ones according to the most different directions– registration on websites, installation of applications, etc.

Referral program: yes

2.Forumok.com

The site contains tasks in several categories. Most associated with social networks, but there are others. For example, there are many orders for posting posts on various forums or blogs with a link to the desired site.

Since tasks are not always simple, there is no automatic acceptance. But the prices for execution compare favorably with competitors. For example, for a couple of likes on Facebook you can earn a few rubles.

Referral program: yes

3. VKtarget.ru

Referral program: yes

4. Smmok14.ru

This service for making money is distinguished by a large number of tasks and their constant replenishment, but there are two disadvantages: the prices are slightly lower than those of competitors and only the VKontakte social network is supported (at least for now).

Referral program: yes

Sites for making money on texts

The need for texts for websites is constantly growing, as new projects appear on the Internet every day. In addition, competition is growing and good copywriters earn much more than the national average salary. At the same time, copywriting and rewriting does not require you to work full time - there is free time– you take orders, if you don’t have time, you don’t take them.

5. Advego.ru

One of the oldest copywriting exchanges with a huge audience of employers. There are always orders of different levels - from simple comments for the site to full-fledged articles of tens of thousands of characters. There is a rating system for performers, thanks to which, with good work, the average payment per 1000 characters will increase. You can not only take orders, but also place them in the store finished works. Payments in the system are made in dollars, payments are made in WMZ.

Referral program: yes

6. Etxt.ru

To make money on this exchange, you just need to register and start submitting applications for orders. The higher the rating, the higher the chances of getting good, expensive tasks. You can increase your qualification level in the system by completing test tasks from the service. This site uses rubles for making money in calculations with withdrawal of money to Webmoney.

Referral program: yes

7. Textsale.ru

Little different from previous sites. It is also possible to sell ready-made articles and take orders for writing texts on assignment. The rating is formed on the basis of completed orders and the quality of their implementation. Positive reviews help you rise in the rankings faster, so ask customers to leave them. Payments are made to a WMR wallet.

Referral program: yes

Sites for automatic earnings

This part contains sites where the work is mostly done not by you, but by your computer. Something like this: you launch the program, it performs certain actions on the Internet, and you are charged money for this.

8. Vipip.ru

Vipip is an active advertising service through which you can promote websites, accounts on social networks (likes, subscriptions, etc.), there are free-form tasks - in this way it is similar to many other axle boxes, but there is a feature that distinguishes it favorably from competitors is a browser extension that earns money automatically by performing the simplest and most common tasks without human intervention.

For the extension to work, you need to download it to your computer, connect your accounts on social networks and periodically withdraw money, albeit small, but truly passive.

Referral program: yes

9. Surfearner.com

To make money, an add-on is installed to the browser, which periodically shows small advertising banners. Banners do not require any reaction (closing, transitions, viewing, etc.), they do not interfere with working on the network (visiting websites, communicating on social networks etc.). You use the Internet as usual, you are not distracted by banners, but you get money for them, albeit small ones.

Additionally, in beta testing mode, Surfearner has a cryptocurrency mining script. You start mining in your personal account and part of the power of your computer’s processor will be used by the service for mining. You set the percentage of power yourself from 0 to 100 - determine it experimentally so that it does not slow down other programs.

Withdrawing money to Yandex, WebMoney, Qiwi, etc.

Referral program: yes

10. Vagex.com

This is a service for promoting video clips on Youtube. He gets views, likes, subscribers. Valid in automatic mode. To earn money you need to install from personal account browser program or plugin.

After launching, the program itself will open pages with video clips and unscrew them for a specified duration. Moreover, when you open a tab with a video in the browser, it does not become active and does not interfere with your regular work. You go about your business, and the program in the background earns a little money, albeit very little.

The service is English-language and pays only via PayPal.

Referral program: yes

Sites for making money on surveys

Many people do not trust such income, since it is not clear who is willing to pay for all this. In fact, various companies constantly conduct market research and allocate budgets for this. Part of these budgets goes to pay for volunteers who are ready to take part.

11. Toloka.yandex.com

Official questionnaire from the search engine Yandex. A variety of tasks appear in the system: identifying sites containing porn images, assessing the relevance (compliance) of a page with a search query - these are small tasks. There are also those where you need to check the operation of an online store from Yandex Market (place an order and return the goods) - serious money is paid for such tasks. I wrote a description of how the service works when it first appeared in the article. Since then, there have been more different tasks.

Referral program: no

12. ExpertnoeMnenie.ru

Earnings are valid according to standard scheme– register, fill out your personal data, answer questions from the assignments. The number of available surveys depends on personal profile. Customers indicate the category of people whose opinion they are interested in, so topics about cars will come more often to men, and about raising children to women.

The service charges money for the initial information about yourself - you will receive a total of 80 rubles by simply indicating your Family status, presence of bad habits, education, etc.

Withdrawal of funds is available when you reach 500 rubles via Webmoney or phone.

Referral program: 15 rubles per friend

13. PlatnijOpros.ru

The service is similar to the previous one, but there are financial nuances. For filling out the questionnaire you will be able to earn only 10 rubles, but withdrawal is available from a smaller amount - only 300 rubles, which are transferred to WebMoney.

Referral program: yes

14. InternetOpros.ru

The minimum withdrawal of money on this site is from 500 rubles, transferred to the account mobile phone. Tasks do not appear too often; you can count on several questionnaires within a month.

Referral program: no

15. GlobalTestMarket.com

Initially, the service is foreign, as evidenced by the clumsy translation in places, but surveys appear regularly in Russian. Withdrawal of earned money is possible both in the form of various bonuses and in real rubles on PayPal (from there you can withdraw to your card).

Referral program: no

Sites for making money by entering captcha

Many services, applications and games are protected from bots using captcha (pictures depicting different symbols). Robots are not yet able to solve such images; accordingly, there is a considerable demand on the market for human captcha recognition - low-skilled work, but in demand.

16. Rucaptcha.com

Before you start working in RuCaptcha, there is a training course where you will be taught to recognize all possible options pictures. The payment for captcha recognition is not very high, but there is always work to be done at any time of the day or night. The secret to increasing earnings is working at night, when the activity of performers is minimal - during this period the average price of one input is 3 times higher.

By the way, this type of income is an excellent tool for practicing touch typing. A couple of hours of work and you will know the computer keyboard like the back of your hand, and you will also earn money.

Withdrawal of earned money is possible on Webmoney, Yandex, Qiwi, Bitcoin, etc.

Referral program: yes

17. MegaTypers.com

English-language service for entering captchas. Registration is only possible using an invitation code, here it is - DEQ1. In my opinion, the service is significantly inferior to the manual one; there are often no tasks, so I present it only as an alternative option.

You can withdraw money only to Webmoney.

Referral program: yes

Sites for making money on clicks and other little things

18. Profittask.com

A service with a large number of different tasks, ranging from simple ones (like subscribing to a social account) to complex multi-step ones (like opening a search, entering a phrase, finding a website, going to it). Complex tasks pay more. There are always a lot of tasks - this is a plus.

Each newcomer will receive 50 rubles as a gift if they enter the promotional code during registration - 9948465ab38a7105853

Referral system: yes

19. ProfitCentr.com

This service provides access to several types of tasks - reading letters, surfing websites, random tasks, tests and social networks. Letters are unique advertisements, which contain a link to the site. Surfing is directly going to a website and viewing it. certain time. In arbitrary tasks, anything can occur - likes, registrations in services, etc. In chapter social networks waiting for subscriptions, reposts and likes. Please read the service rules carefully.

Withdrawal of funds from 20 kopecks to a Webmoney wallet.

Referral program: yes

Websites for making money from reviews

This category contains services that pay for publishing interesting and useful reviews about anything. These can be a variety of texts, from your experience of using an iron to your impressions of walking to the top of a mountain.

19. Otzovik.com

The operating principle is described above. No pre-agreed topic is imposed on you - you choose everything yourself. Complete freedom of imagination and creativity. Just write the text and publish it on the site. Payment for a review will depend on how interesting it is (number of views) and useful (rating). Moreover, accrual occurs constantly as your publications are viewed. With high activity, you can create a source of passive income.

Withdrawal of funds goes to Webmoney, the first time a minimum of 200 rubles, subsequent payments from 100.

Referral program: yes

20. Vseotzyvy.ru

A site completely similar to the Otzovik service. Write reviews and get bonuses for it. Bonuses can be exchanged for prizes, or withdrawn via Webmoney or to a mobile account. Minimum amount payments of 500 rubles.

Referral program: yes

Sites for making money on comments

Writing comments is ordered for different purposes - somewhere you need to dilute SEO text in the article, somewhere to add volume, but most often commenting is bought in order to create the appearance of higher activity. Often such tasks can be found on text exchanges and other services described in this article, but there are also highly specialized sites aimed only at this type of income.

21. Qcomment.ru

The name Qcomment itself shows that with the help of this resource you can earn money on the Internet by commenting on the instructions of advertisers. The site specializes in commenting, but recently other areas have appeared on it, in particular working with social signals and surfing.

You can withdraw payment through Yandex and Webmoney.

Referral program: yes

Freelance service sites

22.Work-Zilla.com

At the beginning of this project, it was focused on text orders and looked more like one of the copywriting exchanges, but over time it grew into a full-fledged service, where the share of text orders is only a small percentage. There is work here for those who know how to draw banners, those who make videos, and many others. True, to participate as a performer, a deposit is required (to rid the system of low-skilled personnel who want to try).

Referral program: yes

23. Kwork.ru

On this exchange you can buy or sell any service at a fixed price of 500 rubles. True, the service takes 20% from the performer for its mediation, which ultimately leaves you with only 400 rubles. There are a lot of areas of work, and for what is not included in the standardized headings there is a section “Original”.

Referral program: yes

When writing the article, I did not have the goal of talking about all the projects for making money that exist on the Internet; I wanted to give readers only those sites that are trustworthy and relevant today. I hope now you know everything you need to create income on the Internet without a website or initial investment.

Useful articles:

• 
  How to make money on the Internet for a beginner - 23...