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Online Jobs From Home Without Investment [Ultimate Guide]

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Are you looking for a way to make some extra money without leaving your house? If so, you’re in luck! There are so many online jobs from home that don’t require any investment. So, you can start making money right away, the following examples are some of the best options for online work!

In this post, we’ll discuss some of the best online jobs from home and provide tips on how to get started. So, read on to learn more!

The good news is that to get started working from home, all you need is a computer, an internet connection, and some spare time.

graphic of woman sitting on floor working from home on a laptop online jobs from home without investment

Online jobs from home without investment

It can be tough to find a job that you can do from home, and even tougher to find one that is legit and that doesn’t require any money upfront to get started.

That’s why we’ve spent hours researching the best online jobs (both part-time and full-time) so you don’t have to. These are great options for home based work, the stay-at-home mom, or anyone who who has a laptop and is seeking genuine work to earn some extra money!

Because, at Savvy Budget Boss, we believe you shouldn’t have to spend money to make money!

Online Jobs From Home Without Investment

Cash-Paying Surveys

Cash-paying surveys are online surveys that pay you in cash for your participation. They’re a great way to make extra money online, and many companies offer them.

However, not all surveys are created equal – some pay more than others, and some take less time to complete.

It’s important to do your research before signing up for any survey site so you know which ones offer the best rewards.

How to get started

To find online surveys that pay cash, start by doing some research online. There are many survey sites out there, but not all of them are legitimate or pay well.

It’s important to only sign up for survey sites that have a good reputation. You can usually tell if a site is reputable by looking at online reviews.

Also, be sure to read the terms and conditions before signing up for any survey site so you know what to expect.

Finally, make sure you’re aware of how much time each survey will take to complete so you don’t end up wasting your time on a survey that doesn’t pay well.

How much can you make by taking online surveys?

How much you can earn taking online surveys depends on a variety of factors, including the type of survey, the length of the survey, and the site or company you complete the survey for.

However, generally speaking, you can expect to earn anywhere from $0.50 to $5 per survey, depending on the type and length of the survey.

So if you’re looking to make some extra money online, online surveys are a great option – especially if you sign up for multiple sites. Just be sure to read the terms and conditions before signing up so you know what to expect.

Why Wait? Earn Extra Money Today!

Freelance Writer

If you have a knack for writing, you can make some serious money online as a freelance writer or online writing jobs.

Freelance writers are self-employed writers who are hired to write specific pieces for a client. They may work on a variety of projects for different clients at the same time, or they may only work on one project at a time.

The benefits of freelance writing include the ability to work from home, flexibility in hours, and the opportunity to choose your own projects. However, it can be difficult to get started as a freelance writer if you don’t have any experience or published works.

How to get started as a freelance writer

To become a successful freelance writer, start by building up your online presence. Publish articles on your own blog or offer to guest post other blogs if you don’t have your own site.

Make sure you have a strong portfolio that showcases your best writing samples.

Then, reach out to potential clients and pitch them your services. Be prepared to negotiate rates and terms, and remember that it often takes several tries before you land your first client.

There are a number of places to find freelance writing jobs online, including job boards, online marketplaces, and freelance writing communities.

How much can you make as a freelance writer?

Freelance writers typically charge by the word, project, or hour.

You may also choose to work with certain clients exclusively, which means you won’t need to take on any other writing assignments during that time period.

If you’re just starting out as a freelance writer, you’ll want to set your rates low until you build up some experience.

Blog post writers typically charge between $0.06-$0.15 per word, while technical writers often charge $60 an hour or more.

Read Emails

Yep, you can actually get paid to read emails in your spare time!

In fact, many of the same companies that offer paid surveys will also pay you to read emails.

Some of the best sites to find these opportunities are:

How much money can you earn reading emails?

Well, you definitely won’t become the next Elon Musk reading emails that’s for sure!

That said, most email reading gigs pay between $0.01-$0.10 per email.

You can maximize your earnings by signing up for multiple sites and working while you watch Netflix on the weekends.

Related: 75 Easy Cash Jobs That Pay Under the Table

Amazon Kindle Publisher

If you enjoy writing, you can make money online by publishing e-books on Amazon Kindle.

Kindle publishing is a process where you can write a book, format it for Amazon Kindle, and publish it online. Once your book is published, anyone with a Kindle device, tablet, PC, or the Kindle app can read it.

The great thing about Kindle publishing is that you can make money passively – meaning you continue to earn royalties from your book even after you stop writing it.

The royalties you earn depend on the price you set for your book, as well as the number of copies sold. So if you want to make a lot of money from your Kindle book, you’ll need to price it at $2.99 or higher and promote it heavily so that it sells well.

Virtual Assistant

A virtual assistant is an online personal assistant who helps businesses with a variety of tasks, including customer service, administrative work, and social media management.

Virtual assistants are self-employed and typically work from home. They are often hired on a contract or per-project basis, and they can work for multiple clients at the same time.

How much do virtual assistants make?

The pay for virtual assistants can vary widely, depending on the tasks they’re required to do and their level of experience.

Some virtual assistants make as little as $10 an hour, while others make over $50 an hour.

How to become a virtual assistant

To become a virtual assistant, start by creating a strong online portfolio that showcases your best work.

Then, reach out to businesses and bloggers who might need your services and pitch them your rates.

You can also look for virtual assistant jobs on online job boards or via Facebook Groups.

Just be sure to read the job descriptions carefully so that you know exactly what’s required of you before you apply.

Start A Blog

If you’re passionate about a particular topic and enjoy writing, you may be able to make money by starting your own blog.

Full transparency: starting a blog does require a minor upfront investment. However, it’s such a lucrative way to earn passive income, I just had to include it!

Once you have those two things, you can easily set up your blog using a platform like WordPress. Simply pick a domain name you love on Host Gator or GoDaddy, set up hosting (Blue Host is my favorite)…and start writing about what you love!

Then, start writing quality content that will resonate with your audience. And be sure to promote your blog on social media and other online platforms to reach as many people as possible.

How much do bloggers make?

There is no one answer to this question, as the amount of money a blogger makes depends on a variety of factors, including their niche, traffic levels, and level of engagement.

However, many bloggers make anywhere from a few hundred dollars to a few thousand dollars per month. And some online entrepreneurs make over $100,000 per year from their blogs.

How to get started blogging

To become a successful blogger, you’ll need to produce high-quality content that resonates with your audience and promotes your brand effectively. You’ll also need to actively promote your blog on social media and other online platforms.

If you’re serious about making money from blogging, then invest in yourself by taking online courses and reading blogs and e-books about blogging. And most importantly, be patient – it may take time for your blog to start making money.

How do bloggers make money?

There are a number of ways bloggers can make money, including advertising, sponsored posts, and affiliate marketing.

Advertising: A blogger displays ads on their website or blog and gets paid every time someone views or clicks on the ad.

Sponsored posts: A brand pays a blogger to write a post about its product or service.

Affiliate marketing: A blogger promotes a product or service online and gets paid a commission for every sale they make.

No matter which way you decide to make money blogging, it’s important to remember that it takes hard work and dedication to build an audience and generate consistent traffic. So be patient and keep writing quality content that your readers will love.

This is a great online job idea for stay-at-home-moms, students, and anyone else who wants to make a decent income without having to invest a ton of money upfront.

Affiliate Marketing

If you don’t have the time or dedication to start a blog, you may want to consider becoming an affiliate instead.

Affiliate marketing is a type of online marketing where you promote a product or service and earn a commission for every sale you make.

To become an affiliate marketer, you’ll need to sign up with an affiliate program and start promoting products online.

There are a number of ways to promote products online, including blogging, social media marketing, and email marketing.

Once you’ve found a product or service you want to promote, reach out to the company and see if they offer an affiliate program.

Then you can start promoting the products online and you’ll earn a commission for every sale you make.

Social Media Manager

If you love spending time on social media, you may want to consider becoming a social media manager.

A social media manager is responsible for creating and managing a company’s social media presence. This includes creating content, interacting with followers, and monitoring online activity.

How to become a social media manager

To become a social media manager, you’ll need to have strong writing and communication skills. You’ll also need to be up-to-date on the latest social media trends.

If you have the skills and experience, you may be able to find a job managing social media for a company. Or, you could start your own social media management business and work with clients remotely.

Another way to find jobs as a social media manager is to reach out to companies and inquire about their need for a social media manager.

There are tons of small businesses that are looking for someone with strong writing and communication skills who can help them manage their social media presence.

How much can you make as a social media manager?

Social media managers make anywhere from a few hundred dollars to a few thousand dollars per month, depending on their level of experience, the number of hours they are willing to work, and the size of the company they work for.

graphic of dark skinned woman sitting at a desk working on a laptop with microphone and coffee online jobs from home without investment


Proofreaders and editors are responsible for reviewing and editing written content. They may be responsible for proofreading articles, books, manuals, or other written material.

Proofreaders and editors typically have a college degree in English or a related field. They must also have strong writing and editing skills.

How to get started as a freelance proofreader

If you’re interested in becoming a proofreader or editor, the best way to find jobs is to search online job boards and join Facebook Groups for employers who are looking for proofreaders.

You may want to try:

Earning potential

Proofreaders and editors typically earn anywhere from $15 to $50 per hour, depending on their level of experience and the type of work they do.

Some proofreaders and editors may charge by the word or by the project. Others may offer a discount for regular or bulk work.

Also, proofreaders and editors who have a lot of experience and specialize in a particular area may charge more than those who are just starting out.

Graphic Designer

Graphic designers are responsible for creating visual content. This may include designing logos, websites, illustrations, or other digital or print media.

Graphic designers typically either have a college degree in graphic design or extensive knowledge of design software (like Canva or Adobe Illustrator). They must also have strong creative, typography, and layout skills.

How to get started as a freelance graphic designer

If you’re interested in becoming a graphic designer, the best way to get started is to take free courses in graphic design on Udemy or Skillshare.

You can also find tons of free videos on graphic design skills on YouTube.

Once you’re confident in your abilities, you can create a profile on the following freelance sites in order to find clients:

How much do freelance graphic designers make?

Graphic designers typically earn anywhere from $20 to $75 per hour, depending on their level of experience and the type of work they do.

Some graphic designers may charge by the project. Others may offer a discount for regular or bulk work.

It’s important to note that graphic designers who have a lot of experience and specialize in a particular area may charge more than those who are just starting out.

Data Entry Clerk

Data entry clerks are responsible for inputting data into computer systems. This may include transcribing data from paper documents or entering data into online forms.

Data entry specialists must have strong typing skills and knowledge of Microsoft Office or other data entry software. They may also be required to have experience with a particular type of data entry, like medical transcription.

How to get started in data entry

You don’t need a degree to become a data entry specialist and many data entry positions offer on-the-job training.

However, you should have an eye for detail and be able to type up to 90 words per minute.

If you need to work on your typing speed, there are many free online typing programs available.

You should also create a resume and post it to Linkedin, Indeed, and other online job boards in order to find companies that are hiring.

How much can you make in data entry?

According to Indeed, the average salary for a data entry clerk is $17.98 an hour.

Create and sell e-books

If you’re a writer, one of the easiest ways to make money online is to create and sell e-books. You can create an e-book on any topic that you already know well or are willing to learn.

To create an e-book, all you need is a word processing program (like Microsoft Word) and a PDF converter (like Adobe Acrobat). Once you have those two programs, you can simply write your e-book in Microsoft Word and convert it to a PDF file.

Once your e-book is created, you can sell it on Amazon or other online retailers. You can also promote your e-book on your own blog or website.

E-books generally range in price from $2.99 to $9.99, depending on their length and subject matter.

If you want to make more money from your e-book, you can create a physical version and sell it on Amazon or other online retailers. Physical books generally cost more to produce but can sell for a higher price than e-books.

Create an online course

Another way to make money online is to create and sell an online course.

Online courses are becoming more popular as people realize they can learn new skills from the comfort of their homes.

There are a few things you need to do in order to create and sell an online course.

First, you need to create the content for your course. This can be done by writing a series of related lessons or creating a video tutorial series.

Next, you need to market your course online. You can do this by creating a website or landing page, writing guest posts on other websites, and promoting your course on social media.

Once your course is created, you can host it on your own website. You can also sell it on online course platforms like Udemy, Teachable, or Skillshare.

Depending on the length and subject matter, you can sell your online course for anywhere from $27 all the way up to $1,600.

Transcribe Audio and Video Files

If you have strong listening and typing skills, you can make money online by transcribing audio and video files.

There are a number of online transcription services that will pay you to transcribe audio and video files. The most popular ones are Rev, Scribie, and GoTranscript.

To get started transcribing, you simply sign up for an account with one of these companies and choose the audio or video files you want to transcribe.

Most online transcription services pay by the minute or hour. So, the longer the audio or video file, the more money you can make.

Online transcription services generally pay between $10 and $50 per hour, depending on the length and difficulty of the audio or video file.

Use Cash-Back Apps

While not an actual online job, you can earn a decent side income by using a combination of cash-back apps whenever you shop online or in person.

The best cash-back apps give you a percentage of your purchase price back in the form of cash or points, which you can then redeem for gift cards or other rewards.

My personal favorite cash-back apps are:

To use a cash-back app, simply download the app (for free) and create an account.

Then, whenever you shop online or in person, be sure to check the app to see if there are any available cash-back offers.

Sell feet pics

I know it sounds weird, but bear with me for a minute.

There is a growing trend of people selling pictures of their feet online. This is usually done through stock photo sites or social media platforms, such as Instagram.

The reason people are willing to pay for foot pictures is that they can be used for a number of purposes, such as footwear marketing, art projects, and, yes…extreme fans of feet.

If you’re not squeamish about showing your feet to the world, this can be a fairly easy way to make some extra money online.

To get started selling feet pics:

  1. Choose a platform (or multiple platforms) to sell your photos and set up your accounts
  2. Learn how to take professional-quality photos (and how to edit them)
  3. Post your photos to your chosen platforms
  4. Drive clients to your photos (via social media)
  5. Sell your feet pictures online for top dollar
  6. Rinse and repeat

How much can you make selling feet pics?

Prices for feet pictures vary, but you can typically expect to earn $5 to $100 per picture (or collection of photos).

online jobs from home graphic of man behind a camera taking pictures

Sell stock photos

If you’re not quite up to selling feet pics, but you have a talent for photography, you can sell stock photos instead.

Stock photos are simply pictures that people can use for commercial or personal purposes. There is a huge demand for stock photos online, as there are so many uses for them.

You can sell your photos on a number of different stock photo sites, such as Shutterstock, 500px, and Depositphotos.

To begin selling your photographs online, simply set up an account with a stock photo site and start uploading your images.

How much can you make selling stock photos?

Prices for stock photos vary, but, according to Improve Photography, you can expect to earn $0.25 to $0.45 per photo.

Freelance bookkeeper

A bookkeeper is someone who is responsible for tracking and recording a company’s financial transactions.

Here are some duties a freelance bookkeeper may be expected to perform:

  • Developing financial reports
  • Writing budgets
  • Managing payroll

Freelance bookkeepers typically work with a company’s preferred accounting software to ensure that all financial data is accurately tracked.

To become a freelance bookkeeper, you first need to have experience working with accounting software and be able to accurately track financial transactions.

You can then start advertising your services online or through word-of-mouth. Be sure to have a portfolio of your work available to potential clients.

You can charge an average of $25 to $50 per hour as a freelance bookkeeper.

Online Tutor

If you have a knack for teaching others, you can earn money online by becoming an online tutor.

The best way to become an online tutor is to start by signing up with an online tutoring site like Tutor.com, Cambly, or Skooli.

These sites will connect you with students who need help in specific subjects or courses.

You can also advertise your services online or through word-of-mouth.

Be aware that some online tutoring sites may require you to have a college degree or a teaching certificate to get started.

On average, online tutors make $18 per hour. However, rates can vary depending on the subject matter, experience, and hours worked.

Test Websites and Apps

Another viable job you can do from home without investment is to get paid to test websites and apps.

Companies are always looking for ways to improve the user experience of their websites and apps. As such, they’re willing to pay people to test them out and provide feedback.

To get started testing websites and apps, simply sign up with a testing site, such as UserTesting or TryMyUI. Once you’ve completed the sign-up process, you can start applying for testing jobs.

Testers typically earn $10 per 20-minute test, which means you can make up to $30 per hour if you’re able to complete three tests in an hour.

Become an Influencer

If you’re active on social media and enjoy helping others discover useful products, you can use your online presence to earn money as an influencer.

An influencer is somebody who has the power to impact the purchasing decisions of others as a result of their trust factor.

To become an influencer, simply start promoting products or brands that you believe in on your social media accounts.

When you do so, be sure to include affiliate links. These are special links that allow you to earn a commission on sales made through your link.

For example, if you promote a product on Instagram and somebody clicks on your link and buys the product, you’ll earn a commission from the sale.

Affiliate commissions can range from 5% to 50%, so you can potentially earn a decent income as an influencer.

You can also monetize your social media accounts by becoming a paid sponsor.

A paid sponsor is somebody who gets paid to promote a product or brand on their social media account.

To become a paid sponsor, reach out to brands and businesses that you believe in and see if they’re interested in paying you to promote their products or services.

Sponsorship deals can vary greatly in terms of price, but you can typically expect to earn $500 to $5,000 per post as a paid sponsor.

Customer Service Rep

If you have strong communication skills and enjoy helping others, you can work from home as a customer service representative.

As a customer service rep, your job is to provide assistance to customers who have questions or concerns about a company’s products or services.

You can find online customer service jobs with companies such as Amazon, Apple, and Dell.

To get started, simply search for online customer service jobs on job boards like Indeed or FlexJobs.

Customer service reps earn between $10 to $15 per hour.

Ask for Money

While technically not a “job”, I’ve seen many people who have been able to earn a pretty decent side income by becoming glorified beggars.

No, I’m not talking about panhandling or anything like that.

I’m talking about people who have been able to get free money by setting up a Patreon account or Buy Me A Coffee and linking it to their Youtube channel, website, Instagram, Twitch, or Tik Tok account.

People who are successful at this usually have a large online following who are willing to support them in exchange for exclusive content or access.

True story, my husband and I were recently driving behind a vehicle with “This trip is funded by Patreon” written across the back window, followed by the person’s account information.


Web Researcher

If you’re good at conducting online research, you can work from home as a web researcher.

Web researchers help businesses gather data and information from the internet.

To get started, search for web research jobs on job boards like Indeed or FlexJobs.

Web researchers typically earn $10 to $15 per hour.

Focus Groups

Focus groups are online panels that allow companies to gather feedback from a group of people about a particular product or service.

To participate in a focus group, you typically need to be at least 18 years old and live in the United States.

You can find online focus groups with companies such as Schlesinger Group and Respondent.

Focus group participants typically earn between $30-$200 or more per group. You can earn even more by referring others.

Become a Consultant

Consultants provide their services to businesses or individuals who need help with a particular project or issue.

What skill or talent do you have that others could benefit from? You may be surprised to know just how many people may be willing to pay you for your expertise.

For example, I know somebody who makes a full-time income as an online knitting consultant. Seriously!

She provides one-on-one coaching to people who want to learn how to knit, helps them pick out patterns and yarn, and even troubleshoots any issues they may have along the way.

If you’re a financial expert, you could become a consultant and help people manage their money.

Or, if you’re good at online marketing, you could consult with businesses on how to better market their products or services online.

The possibilities are endless!

If you’re interested in becoming a consultant, the best way to get started is by joining Facebook groups and forums where your target audience hangs out.

Pay attention to their pain points and offer them some advice. The more helpful you are, the more clients you can attract!

Then, create a website or social media account to showcase your courses or 1 on 1 consulting service.

As an online consultant, you can make anywhere from $54,000 to $85,000 depending on your skills and experience.

Tip: If you’re just starting out, it’s a good idea to offer your services for a lower hourly rate until you build up a portfolio of satisfied clients.

Virtual Travel Agent

With the growth of online booking sites like Expedia and Airbnb, the demand for virtual travel agents has exploded in recent years.

Virtual travel agents, help people plan their dream vacations.

You’ll need to have a strong knowledge of online booking tools and be able to provide excellent customer service.

To get started as an online travel agent:

  1. Decide whether you want to book for business professionals or leisure clients
  2. Sign up as an independent contractor for an online host agency *fee required
  3. Start booking clients

Virtual travel agents earn an average of $3,000 per month.

Virtual Receptionist

A virtual receptionist is similar to a traditional receptionist, except they work remotely.

As a virtual receptionist, you will be doing the work usually done by software. Some organizations may prefer to use a real person instead of the software simply for that personal touch.

Your duties as a virtual receptionist may include:

  • Answering calls
  • Receiving and responding to emails
  • Handling a contact form
  • Helping clients resolve any issues

Virtual receptionists earn approximately $15 per hour.

To get started, you can look at these websites:

Online jobs from home without investment FAQ

Answers to your burning questions.

How can I work online with no experience?

If you have no work experience you should look for entry-level online freelance work and surveys to start.

Keep your rates low as you build up a portfolio for future clients. Then, slowly increase your rates as you gain experience.

Various freelance websites (like UpWork and Fiverr) offer a wide range of jobs you can do without experience, such as writing, customer service, logo design, and much more.

What is the highest-paying online job?

According to ZipRecruiter, the highest paying online job is as a marketing automation specialist, with a salary of up to $82,000 a year.

What online jobs are in demand?

There are a number of online jobs that are in high demand, such as web developers, graphic designers, freelance writers, and virtual assistants. These online jobs typically pay well and have a high demand for workers.

Which online jobs are the easiest?

There are a number of online jobs that are relatively easy to do, such as online customer service, online data entry, and online transcription. These online jobs typically don’t require a lot of experience or training and can be done from home.

How can I make $100 a day online?

There are a number of ways to make $100 a day online. You could start a blog (my favorite), offer your services as a consultant, or become a virtual assistant.

The possibilities are endless!

Just be sure to research the opportunities thoroughly before you invest time and (possibly) money into them.

Free online jobs from home final thoughts

There are a number of online jobs from home without investment that you can consider.

Keep in mind that the pay for most online jobs tends to be lower than traditional jobs, but they offer more flexibility and freedom.

So, if you’re looking for a work-from-home option that doesn’t require an initial investment, these online jobs may be a good fit for you!

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