6 ways to make money without much effort

1. Score a Cash Bonus to Refinance Student Loans

Do you have student loans? You could consider refinancing your student loans in exchange for a cash bonus!

Refinancing means that a lender will pay off your existing loans and then creates a new, single loan to be paid back at (ideally) a lower interest rate.

Refinancing your student loans is a great choice because it consolidates your monthly loan payments and saves you money!

Check out our review of the best student loan refinance companies

Refinance Your Student Loans


10. Sell your other stuff you’re not using too

Your old iPhone 4 you’ve been keeping in your desk? Try Gazelle.com. The food processor you got last Christmas that you’ve never used? Get thee to Craigslist or Letgo. All those books you’re never going to read again? Find a used bookstore.

26. Sell vintage clothes at a thrift shop

You’ll likely get paid by the pound but it’s some money, so if you’re in need, then why not – especially if you have no use for those clothes anymore. This works best for things like maternity clothes, old children’s clothes, clothes that you haven’t worn in years or are simply out of style.

7. Flip real estate contracts

If you’re thinking this is cost-prohibitive, it’s not. You can flip real estate contracts without ever taking possession of the property. This isn’t a fixer-upper endeavor, just securing a contract and selling it to any interested party. That’s it.

You can do this with just a few hundred dollars in most cases to open up escrow. There are companies dedicated to teaching how to do this like REWW. It’s good for making a little bit of money but is also potentially something more long-term as well.

Related: 8 Ways Real Estate Is Your Smartest Investment

3. Sell handmade products on Etsy

Etsy is an online marketplace for jewelry, art, books, clothing, and more. Anyone can list their creations and sell them directly to millions of consumers all over the world.

"If you just set up your 'shop' and wait for the orders to flow in, you might be disappointed," Pogue notes. "The people who make good money on Etsy are those who have something fairly unusual to sell — and who put some effort into plugging their listings — on Twitter, Facebook, blogs, and so on."

Potential earnings: Etsy does not share how much income the average seller generates, but for 30% of Etsy sellers, their creative business is their sole occupation.

2. Drive For Uber Or Lyft

My husband has been driving for both Uber and Lyft on the side for the past two years and he loves it. It’s easy because all you need is a car, insurance, and a valid driver’s license. You can sign up easily on the app and start driving within days.

Uber and Lyft also pay weekly so the extra money can work into your budget nicely. Some people actually drive full time so you can drive as little or as often as you like.

My husband may drive a few nights per week or whenever we need extra money for something. His driving has allowed us to pay off his car loan super fast, fund vacations, cover an unexpected bill, and fund other expenses.

Final Thoughts

Hopefully these give you some good insights into what I think makes a good side hustle. Plus, this list of the best side hustles goes a long way to making things happen.

If you’re still on the fence and want other ideas, check out these articles:

That’s it Relaxed Folks

This list of lazy ways to make money is by no means exhaustive. You can find tons of other ways to make money online that are not too grueling.

These include passive income side hustles and easy online gigs you can do now and again.

And remember, these just are not just for lazy people. Anyone can try them to make extra money on the side

You can even turn a few of them into a business or a long-term career.

I hope you enjoyed these options and will try even one of them in your spare time.

Do you have any more lazy job ideas? What’s the laziest way to make money online in your opinion?

Let me know in the comments.

Sharing is caring!


4. Test beauty products

Yes, that is correct: free beauty products. You essentially get to live the life of a beauty influencer by trying out and reviewing everything from mascara to sunscreen for brands like L’Oreal—and you can get paid in cash or in more products.

    How To Find Flexible Scheduling

    A key factor in side hustles is flexibility. If flexibility didn’t matter, you would just go get a job. But the reason most people are looking for a side hustle is because they are trying to easily accommodate extra income on the side of whatever they are doing during the day. 

    The most flexible jobs are all online based (or app based, like ride sharing and delivering). That’s why the bulk of this list has online opportunities.

    However, you can still do many of these jobs offline – especially tutoring. And there is good flexibility and earning potential there as well. But without access to a marketplace, it could be hard to find work (and get paid). 


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    4. Rent Out Your Spare Room or Garage

    Your spare room could be making you money if you’re not really using it. Consider furnishing it then renting it out on Airbnb.

    You can choose your availability regarding which days you’d like to make the room available. You can also approve who you rent the room out to.

    If you’re looking for a more permanent situation, see if you can rent the room out to a tenant or a college student.

    You can even rent out other areas of your home like your garage or shed as storage space. Think about how many people pay hundreds or dollars per month for a storage unit. If you can store people items for extra cash, it could be a great passive way to make extra money.

    Which passive income source is best?

    The question of which passive income source is best depends on several factors, but some of the most important include the amount of money you have to invest, the total opportunity size, your interest and ability in the area, the amount of time you need to invest and the potential to succeed. Typically, the lower the barriers to entry, the more crowded the field of competitors and the lower likelihood of success.

    So you’ll need to weigh the opportunity against these factors and see which passive income strategy works best for you. But it can be helpful to have natural ability and an interest in your target area, because these can help motivate you in the early days when things are likely to be tougher.

    There are passive income opportunities for people who are starting out with some money and even those who have no money to start.

    How can I make passive income with no money?

    If you have little or no money to start, you’ll have to rely mostly on your own time investment to power you through, at least until you build up a little money. That means focusing on passive income sources that take advantage of the following traits:

    • An area where you’re an expert. Here you can build your expertise out into a useful product or service for consumers, e.g. design, software coding and others.
    • An upfront work-heavy opportunity. You’ll need an opportunity that requires a time or work investment, such as creating a course, building out an influencer profile or other options.

    In effect, you’re substituting your time for your lack of capital, until you can get enough capital to expand your set of opportunities.

    How can I make passive income with money?

    Money can provide you with more passive investment opportunities. If you have money to invest in a passive opportunity, you have not only the opportunity set above but a new range, too. Money is a prerequisite for taking advantage of the following passive income areas:

    • Investing in dividend stocks or REITs. Investing in stocks means you need money upfront, but you’ll receive some of the most passive forms of income around.
    • Save with bonds or CDs. Other purely passive activities include buying bonds or CDs.

    Here you can use your money to make money with little or no effort on your part, if that’s what you’d like to do. Of course, you could pair your money with a lot of time investment to move into an even more lucrative niche, too.

    About the Author

    Morgan Quinn is an experienced personal finance writer and her work has appeared on WSJ.com, Huffington Post and Slate. She is also the former Managing Editor of Mint.com.

    37. Self-Publishing

    You can easily set up self-publishing through Amazon.

    Many people make more than they would ever make going through traditional publishing. Do you have a topic you are an expert in? Consider writing an ebook and self-publishing!

    To hear more about these extra ways to make money, check out this video.

    More Ways to Make Extra Money?

    Remember: these are only some of the ways to make extra money.   There are hundreds, if not thousands of other ways not listed here.

    Have you figured out a creative way to generate extra income?  If so, please share in the comments below!