Independent income. Passive income on the Internet. Ways to earn passive income

Many people dream of passive income and ask: “How to create passive income from scratch? Where can I find proven passive income ideas? But not many people know that today this type of income has become available to everyone. And largely thanks to His Majesty the Internet! In this article I will expand on the concept of “passive income” (residual income), talk about the sources of this type of income and describe several ideas for creating it that I use myself.

If you have already thought about the possibility of creating passive income and are striving for the life that passive income provides, then this article will be useful for you!

is a type of income characterized by stable cash inflows, regardless of daily activities. Most likely, you have already encountered (or heard of) people who live off passive income. These people usually "don't go to work." Such people are called rentiers.

A rentier is a person who lives off rent - income received from the capital that he placed in business, deposits, income-generating real estate, securities, as well as income from copyrights.

For example, you are an expert in a certain field. This means you can “sell” your knowledge by recording a training course (audio or video, it doesn’t matter). You have created a high-quality course once, and it will generate income for you whenever someone buys it (this can last for more than one year).

We have defined the concept of passive income. Now answer this question for yourself:

Why do you need passive income?

Many are attracted by luxurious life - luxurious beaches and houses, cars and yachts. But some people take this life calmly and are happy with what they have. I am one of these people because I understand that a luxurious life is just the tip of the iceberg.

I think the main advantage of building passive income is that you will be able to free up your precious time for your favorite activity, which you cannot do now because you are “working at work.” I know people who would like to devote themselves to serving other people - the homeless, children in orphanages.

With the help of passive income, you can start making your dreams come true.

2. “Money goes to money”?

The expression “money leads to money” quite often justifies itself. Today, it so happens that people with average incomes spend all the money they earn without a trace, purchase goods on credit and borrow from friends and acquaintances until their salary or advance payment.

Why is it that people 30–40 years old cannot make money on good life? Now I will answer this question.

IMPORTANT! The point is: people don't know how to focus on creating assets. capable of solving material problems. It turns out that people are driving themselves into financial slavery, which is flourishing these days.

The educational cartoon, which you will find at the end of the article, explains the basics in simple language. personal finance and a classification of people is given depending on the ability to manage them (which category do you belong to?):

1. Zombies (financial). Their expenses exceed their income and their assets are negative. Those. they live from paycheck to paycheck and are always in debt. Almost all their money goes to pay off their debts.

2. Kamikaze (financial). Their p A collections are approximately equal to their income, assets are negative. They often look wealthy: they have an apartment, a car... However, this is all on credit. They walk on a razor's edge, and in case of unforeseen circumstances they easily fall into the ranks of financial zombies!

3. Maniacs (financial). Their income is equal to or slightly higher than their expenses, and their assets are zero. They usually have no debts, but they also have no savings. They are at the mercy of the consumerism syndrome: they never have extra money, because they will always find something to spend it on right away.

4. Turtles (financial). Their income exceeds their expenses and their assets are positive. They have no or minimal debts, they have savings. But like turtles, they accumulate slowly, because they prefer to keep their savings under the mattress, and the most advanced turtles keep their savings in a bank.

5. Sages (financial). Their income exceeds their expenses, their assets are positive. They differ from turtles in the level of investment. Investments of net assets generate passive income for them.

Do you recognize yourself from the description? For example, I see that since I started thinking about personal finance and studying books on financial literacy, I gradually began to move towards the 5th category.

In order to learn how to create assets, I highly recommend that you read books on financial literacy by the famous businessman and investor Robert Kiyosaki. And be sure to give these books to your children to read. Start with books Rich dad, poor dad And Cash Flow Quadrant. If you prefer books in “paper” form, you can purchase them, for example, on Ozone (they have free delivery) - Rich dad, poor dad , Cash flow quadrant.

I like Kiyosaki’s simple but very effective advice for creating your own asset. As soon as you receive some income, you begin to distribute it to others - pay for an apartment, for school, for a hairdresser, for a concierge at the entrance. You give your money to everyone, but not to yourself! This is a fatal mistake for everyone who has not yet built passive income.

You must first “give” money to yourself, and therefore to everyone else! In this way, you will begin to create your asset and then you will be able to increase it by investing in your business or in some other way (which we will discuss below).

Here's a simple exercise. You can easily become a millionaire if you save just $1 a day! Don't believe me. Then open any deposit calculator on the Internet, for example this one. And you will see that if you give up one cup of coffee a day for 30 years (figuratively speaking), you can become a “hryvnia” or “ruble” millionaire.

I can’t believe it?! Look at the screenshot: a deposit at 12% with monthly top-ups of only $30 ($1 per day) with monthly capitalization will turn into 2.7 million hryvnia or 7 million rubles ($108,000). And it's only $1 a day.

TIP #2: UNDERSTAND that someone who works all day has no time to make money!

John Rockefeller said: “He who works all day has no time to earn money!” Think about his words.

Indeed, working in an enterprise, production, office, or no matter where, people earn money for “current” expenses. And you can become a millionaire only in your free time from your main job.

It follows that TIME IS OUR MAIN WEALTH. Remember: “Time is money” - this is what wealthy people take advantage of.

Let's consider the day of an ordinary person: in the morning he goes to work, in the afternoon he works all day, in the evening he goes home. On the way home, perhaps he goes to shops, cafes, and at home - dinner and TV. Naturally, such monotony does not set the stage for progress in the future, especially if you take into account that many make money by doing something they don’t really like to do.

Naturally, the creation of passive income is preceded by active work for a certain time (this can be several months or several years). But then you can leave your “unloved job” and enjoy life.

TIP #3. GAIN knowledge in the field of personal finance.

The famous financial literacy specialist Robert Kiyosaki, whom I mentioned above, DEFINED WEALTH BY THE LENGTH OF TIME during which, while continuing to live comfortably, a person can not work.

"Cash flow"- this is the name of the world-famous game by Robert Kiyosaki, which can help you figure out how to “turn time into money” by creating a constant passive income.

There are several versions of the Cash Flow game - 101, 202, 303 and 404. Each of them teaches investing skills, building your own business and competent handling of personal finances. Don't think this is just child's play. The game “Cashflow” will be interesting and challenging for all adults - not only for an office worker, but also for the owner of his own large business.

You can buy the game in a bookstore, but it will cost 30 or even 50% more than in an online store. You can order the game on the trusted website (online store) ozon.ru with free delivery. Here is the link Board game Cash Flow 101 (2016 edition).

If you want to learn more about the Cash Flow game, I recommend this interesting and useful with a detailed description of it.

IMPORTANT! I think you already understand that to build passive income, the first thing you need to do is learn financial literacy. Neither our parents, nor schools, nor universities give us this knowledge. Even if you work as an accountant in a large enterprise or a financial analyst in a bank, this does not always mean that you have knowledge in the field of personal finance.

3. Types and sources of passive income

We answered the question, what is passive income? I think it’s time to satisfy your curiosity by revealing the “secrets” of ways to create and sources of passive income. We will talk about this later. You just need to choose the method that suits you.

Many are not happy with the fact that they will have to wait (months, years). But we need to get out of this psychological trap. Think about it, working age lasts 25–40 years, ending with retirement age and receiving a pension, which can hardly be called “deserved and worthy.”

It turns out that we can work for several decades doing something that you don’t really like, but ensuring financial independence for ourselves is “beyond our strength.” But you will have the opportunity to retire much earlier than the period established by the state (not at 55 or 60 years old, but at 35 - 45).

Are you sure you want to create passive income so you can have more free time? Then start TODAY to take decisive action in this direction. Make up your mind and take action!

So, more about the types and methods of creating passive income

There are 4 types of passive income:

• investment (financial),
• intellectual,
• marketing,
• legal (required by law).

Agree, not very much. The types of passive income in Russia are the same as in other countries in the world. Now let’s figure out what ways you can provide passive income.

1st type. Investment (financial) passive income

Created in case of investment (investment) of funds in certain financial instruments and items. From the investment we receive a certain amount in the form of interest or profit.

Sources of profit can be:

• real estate;
• bank deposit;
• securities;
• our business (if we buy it);
• equipment (if you rent it out).

2nd type. Intellectual passive income

Sources of income can be:

• Author's fee;
• Patent for invention (technology)

If you don't like the idea self-creation information product, you can earn income from promoting other people's information products on affiliate programs. I myself earn income from this online business. I consider Evgeniy Vergus to be the main expert on making money on affiliate programs. You can immediately start earning money while studying this course. "PARTNER SALES WORKSHOP". You can easily recoup the cost of the course by studying the course and at the same time earning money by advertising affiliate information products. *

3rd type. Marketing Passive Income

This type of income is possible if you create a marketing system(s). For example, your website on the Internet or a personal brand for rent. Either one or several options are possible.

Personal branding involves using your name for commercial purposes.

For example, screen and sports stars are often involved in filming advertisements, thus becoming the “face” of a certain trademark or company. They receive decent fees for using their name.

In this case, sources of passive income can be:

• own developed network marketing structure;
• commercial structures using your personal brand;
• your website;
• business that generates profit from work marketing system(for example, information business).

All these sources of passive income will provide you with passive income on the Internet without investment.

4th type. Legal passive income

I think there is no particular need to dwell on this species. I will only note that these are payments due to you “according to the Law.” By the way, there are people who rely on this type of passive income. For example, civilians work under contract in military units for low pay. But then they retire earlier and are guaranteed to receive a “military” pension.

4. Ideas for creating passive income

You have already learned about the types and sources of passive income. It's time to get acquainted with the options for creating it.

I propose to consider the most common and current ideas. Perhaps one of them will suit you to ensure a regular flow cash.

1. Information site or blog

If you know how or want to learn how to create and launch websites, and know the basic principles of marketing, then you can organize passive income, practically from scratch. It’s not for nothing that organizing passive income using the Internet is becoming increasingly popular.

For example, the blog you are currently on also generates passive income.

In addition to the above skills, you will need free time, as well as a desire to learn. You you can make your own website even if you do not have any special technical skills. Especially for those who decided to make money using their blog or information site, I have prepared a series of articles with step by step instructions, videos and screenshots. In less than a week you will have your website ready for content. Here is the link .

To organize passive income using your website, you will, of course, need some time (from six months to two years). This time will be needed to regularly work on your project (several hours a day) in order to improve and optimize it.

Do not be mistaken that by creating a website, you have done everything necessary to receive passive income, and now you can “sit back.” No! To turn a site into a full-fledged “money machine” you will have to work on it for 1-2 years. But you will start receiving your first money within a few months after the start of the project.

After you turn your site into a “money machine”, you can sell it (ready-made business!). Moreover, the proceeds from the sale can exceed the amount of monthly passive income by 20 times.

For example, my colleague bought a 3-year-old working website for 1,500,000 rubles.

The arithmetic is simple: If your website brings in 10 thousand rubles a month, then you can sell it for 200 thousand rubles. and more expensive.

Therefore, you can make money by creating income-generating websites and organize your business in this way.

Ways to make money on your website:

• placement of contextual advertising;
• placement of paid advertising articles;
• sale of advertising space;
• placement of affiliate links;
• selling your own training courses.

2. Intelligent product

Having a certain talent, it is possible to create your own intellectual product (book, technology, educational video, etc.). This product can become a source of your passive income if you start replicating it or renting it out.

Let's consider an example of passive income, when an intellectual product (a book) made the author a millionaire. Today, it is perhaps difficult to find a person who does not know the name JK Rowling. But it was the books about Harry Potter that brought her a multimillion-dollar fortune.

An invention, a fundamentally new industrial design or technology can also become a source of passive income. They will be your intangible asset.

An intangible asset is a product of intellectual labor that, without having a material form, is capable of generating income. For example, a patent for an invention, trademark or brand.

3. Property rental

Of course, the most common way is to rent out real estate. But let's look at other passive income options. For example, construction, commercial or production equipment and other expensive things. Moreover, passive income from real estate is often lower than from equipment.

For example, by purchasing construction equipment and tools, you can rent them out, thus organizing your business. If a drill or hammer drill costs, for example, 20 thousand rubles, then you can rent out the tool for 100 - 500 rubles per day. The tool will pay for itself in a fairly short period of time (less than a month).

4. Securities, bank PAMM accounts, mutual funds

One of the common ways to create passive income is by investing in financial instruments.

Investing, in some ways, can be thought of as a business. But to become a professional investor, you must first study this complex topic. You can learn more about financial instruments on this useful website Club of private investors “Where to invest money - ways to invest.”

Of course, there are advantages to investments (higher income compared to a bank deposit), but they also have disadvantages, namely: high risks.

PAMM accounts, mutual funds and securities are not able to provide stable income (excluding bonds). There is a high risk of losses. Take this into account!

5. Network Marketing

Network marketing is considered one of the most affordable ways to create passive income. Perhaps because the first investment usually does not exceed $100.

The condition under which you can organize this kind of passive income is communication skills. Because in this case you will need to be able to communicate with people, win them over, ensuring friendly communication. The main thing is that you do not fall into a financial pyramid!

To protect yourself from this risk, check out this helpful article “What is a financial pyramid?” .

6. Own business

Organization of an entrepreneurial project, perhaps best way creating passive income.

Internet business is suitable for people with any financial situation at the moment. Even if you do not have large enough finances, the network can provide opportunities to start with virtually no investment. Thus, your income will gradually turn from “active” to “passive”.

The most difficult step towards starting your own business is simply making a final and irrevocable decision. The best place to start is with simple business without investment. With organization ideas business without investment for beginners entrepreneurs read . The information in this article will help you organize a business and create passive income from scratch.

Let me give you my example of passive income. I built my own vending business - I bought several payment terminals (invested my own capital), and installed terminals in supermarkets under a lease agreement. Collects terminals third party under a maintenance contract. I receive income that can be called passive, although I participate in it (I carry out settlements with my counterparties). This business takes very little time - 1-2 days a month.

I highly recommend investing in a vending business, where machines work for you and you receive income. The potential of this business, based on statistics, is huge!

5. Recommendations and tips for acquiring financial independence

You have already become acquainted with the concept of “passive income” and learned about its types and methods of organization, about the ideas of passive income. You know enough to take action. As soon as you make up your mind and start taking action, you will have the opportunity to gain financial independence, leave your “unloved” job, start traveling and do what you have dreamed of all your life, for example, charity.

1) Take the time to build assets.

Don't limit yourself to just income from your day job. Think about what you can do so that, having done this once, you will receive money many times over - replicate your efforts!

I hope that you are not striving for a “beggarly” existence, which, unfortunately, a pension can provide.

2) Strive to organize several sources of passive income.

In this case, you will protect yourself from possible risks: the loss of one source may be compensated by another. And at some point it will support you.

How important this is, he described very well in his book.

3) Increase financial literacy

Self-education is the first thing you should do! Invest in yourself! I recommend carefully reading books considered fundamental: Robert Kiyosaki "Rich Dad Poor Dad" and Bodo Schaeffer "Money or the ABC of Money", - they will help you understand more deeply the principle of the functioning of money and the principle of creating passive income.

Please note that there are no special “secrets”. For success you only need desire, time and certain knowledge.

Watch this educational cartoon about what passive income is so that all the puzzles fit into a clear picture and you have the confidence to start moving towards creating passive income. You should start by educating yourself on personal finance. It is also extremely important to pass on this knowledge to your children!

I wish everyone confidence and determination!

I managed to create several sources of passive income, so you can too!

Write in the comments which category of people you belong to from a financial point of view and did you manage to move to a category closer to 5th?

Subscribe and receive the most interesting blog materials - subscribe below. When you subscribe, you will receive the first biography of Elon Musk, one of the leaders in financial literacy today, for free.

Hello, dear readers. In this article I will try to cover the topic of passive income in as much detail as possible.

More recently, a person’s interest in money and ways to increase their capital was considered, if not shameful, then certainly not worthy of approval. There was an opinion in society that it was possible only at work, and there was a very wary attitude towards all other sources of income.

Of course, then there were good reasons to think so: many people “burned out” on seemingly guaranteed and quick methods get rich. However, fortunately, today different times have come: there are many opportunities, using which you can, although not, seriously improve your material well-being.

What first comes to a person’s mind when he has a desire (or need) to have more money? That's right - extra work. This decision has its advantages (earnings will definitely increase, plus there will be no censure from society). However, the disadvantages that this method has in abundance (lack of time, effort, qualifications, experience and much more) often put an end to finding additional work.

What remains to be done in such a situation? Fortunately, modern world provides an opportunity without literally doing anything for it. The name of this wonderful method (or, more precisely, a whole group of methods) is passive income.

What is this? “Passive income” refers to the kind of income that a person has, one might say, unconditionally - he does not need to work or carry out any actions to get it, he has it on his own.

Today, many residents of our country have passive income in one way or another, and they themselves often do not realize it. Its amounts may differ: someone has only a few hundred rubles a month, while someone else’s passive income amounts to hundreds of thousands. The amount of cash receipts is influenced by many factors, which will be discussed later in the article.

The opportunities that passive income provides are usually underestimated. Even those who have heard about this method of generating income believe that they will not be able to earn any significant amount - which means there is no reason to bother. In reality, this is, of course, not the case: as I said above, some people receive hundreds of thousands of rubles every month without doing practically anything.

Who can really benefit from passive income ideas?

Look at the list below: if you consider yourself to be at least one of these categories of people, then earning money for which you don’t have to constantly work will definitely not hurt you.

1. You don’t want to constantly work for the state or “the other guy,” but rather, sooner or later, you want to put your own ideas into practice.
2. You want to retire and go discover the world, but you understand that the existing pension provision is definitely not enough for this.
3. You consider the future well-being of your family one of the main guidelines in life and are ready to take real steps in this direction now.

Of course, it’s good to talk at length about passive income, but how can you start getting it? What needs to be done for this and in what direction to work? This is what we will talk about today.

1. What is the difference between poor and rich people?

Before I begin my review of popular ways to generate passive income, I want to ask you a question: what, in your opinion, is the difference between the poor and the poor?

Did you manage? Remember your answer and keep it with you - it is not necessary to announce it, but it will be useful in the future.

My opinion completely coincides with the views of Robert Kiyosaki, a famous American businessman and investment specialist. So, Kiyosaki believes that the rich and the poor differ from each other primarily in their attitude towards money. What is he talking about? Let's take a closer look.

Imagine two friends. One works in a good place and is an excellent specialist in his field, which allows him to receive a very good salary. The second one does not have an excellent education, which is why he gets into good job It’s quite difficult for him, and at the current one they don’t pay very much - almost 2 times less than a friend.

Which one is richer? It would seem that the answer is obvious - but do not rush to conclusions...

Now let's see what expenses both friends have.

The first (an excellent specialist with a high salary) regularly eats in not the worst restaurants - lack of time, laziness to cook and other reasons do not allow him to make his own food. In addition, he almost always gets home from work by taxi - he doesn’t have his own car (because he didn’t bother to get a license), and his “status” doesn’t allow him to use public transport.

Also, the first friend regularly (sometimes several times a month) goes shopping for clothes, and not the cheapest ones. Why does he need this? The fact is that a person does not know how (and does not want) to restore wardrobe items - even if there is a very small stain that cannot be washed in a washing machine (but can be easily removed by dry cleaning), he throws the item in the trash and goes to buy a new one.

Okay, but what about the second friend who earns much less? Going to restaurants is a luxury for him: he visits such establishments once every few months (and even then he never eats enough, but takes very little), and he travels to work and back by bus. As for things, he not only takes them to the dry cleaner, but also tries to restore them as much as possible - sew up holes (and completely unnoticeably), reshape them, give clothes a new purpose (for example, turning old jeans into shorts).

But why am I doing this? What do food, transportation, clothing, and other expenses have to do with wealth? The answer will probably seem incorrect to many of you now, but it is very simple - the most immediate.

Why is this so? Please note: although the first friend has a very large salary, he constantly spends it on restaurants, taxis and clothes - if you use this regularly, and not on holidays, even a very thick wallet may not be enough (which is what happens with the first friend, forced sometimes even to borrow from the second).

On the contrary, a friend who handles his money very carefully (spends it only when there is a real need for it) never experiences material need - the difference between his income and expenses is always positive.

That is why the first friend does not have any savings, and his friend, earning almost 2 times less, regularly (from each salary) puts aside some money for his deposit. Over the course of several years, a decent amount of money has accumulated there, which can be spent, for example, on a car, several trips to other countries, or on education.

I hope that after such a clear example, Robert Kiyosaki’s point of view (and mine too) has become completely clear to you - First of all, those people who spend less than they earn become rich. Such people know how to limit themselves in unnecessary expenses, understanding that strategic benefit is much more important than momentary satisfaction.

In conclusion, let's outline the main points where the difference between poor and rich people is most obvious.

1. Attitude to wealth and money. If for “poor” people (primarily not in terms of wealth, but in their way of thinking) money is a goal, then for “rich” people it is a means (they provide an opportunity to satisfy the need for a secure future, knowledge, and skills).
2. Attachments. The “poor” and the “rich” manage their earned funds differently: if the former spend it very quickly and make almost no investments, the latter will definitely save the money and invest it in sources that will eventually begin to make a profit.

We have figured out how “rich” and “poor” people differ from each other - I think that after reading this section many people have something to think about. Well, we move on to considering the sources and types of passive income.

2. How can you earn money passively?

To start generating income that will always be there - regardless of whether you work or not - you need to find out what types exist and which of them are most acceptable to you.

Sources of passive income can be of four types, and each of them is worthy of a separate story.

Type 1. Intellectual property

I’ll start, perhaps, with objects that are created as a result of intellectual work - literary sources, musical works, programs for various events and the like. In addition, this includes inventive ideas - they can be patented and have income from implementation.

How is passive income generated for intellectual property? The creator of any object described above acquires ownership and authorship rights to it. If the right of authorship is inalienable, then the first right can be sold and receive income from it.

The realization of property rights, as a rule, does not occur immediately, but over certain periods of time. This allows idea creators receive passive income not once or twice, but constantly – because this is what we strive for

Despite the fact that royalties today can be very large, this method of earning money is available to very few - primarily because it is extremely difficult to invent and promote something unique and original today. Nevertheless, let's remember this method and move on to consider others.

Type 2. Investments

Investments are investments of funds with the goal of subsequently receiving a profit greater than the size of the investment.

In the minds of most people, investing seems like something very distant, accessible only to very rich people. In fact, investing is available to everyone who has at least a little free money - they can also make a profit.

Where can you invest money? There are many places:

• bonds and shares of companies, states
• Mutual investment funds (mutual investment funds)
• PAMM accounts
• real estate objects
• bank deposits
• business.

All these opportunities have different returns and different risks, so before choosing, you need to decide what is more important - the amount of profit or the guarantee of capital safety.

Type 3. Marketing

Marketing is the promotion of a certain product to markets and making a profit from such activities.

Previously, manufacturing companies around the world were faced with the question: how to start producing more and of better quality? Today, with some exceptions, such a question does not arise, but another problem has come to the fore - where and how to sell the goods? Marketing helps a lot in such a difficult task, and you can make good money from it.

Network marketing is available to every person today. To start making money this way, you need very little: a small starting capital (in some cases you can do without it) and the ability to sell a product. The bottom line is this: You take (or buy) products from a company and sell them to consumers. The difference in purchase and final prices is your profit.

“Okay,” you ask, “but what does passive income have to do with it?” Indeed, at first glance it seems that in network marketing you constantly need to go around and offer a product in order to be purchased. However, in reality you can do without it.

For example, Internet sites help a lot in network marketing. If you invest once in the creation and promotion of your own web resource that will advertise your product, then in the near future you will not have to do anything to sell your products - customers will come to you themselves.

Type 4. Receipts from the state

Some people, having far from the highest salary and many expenses, nevertheless live quite well. How do they do this? Perhaps it's a matter of legal literacy.

The laws of our state allow us to receive a variety of payments from the budget. Of course, to do this you need to meet certain conditions, but they are not as complicated as they seem, and there are many more possibilities.

I will list only the main ways to obtain funding from the state, which can be available to everyone:

• pensions
• subsidies for utility bills
• subsidies for business development (especially for small businesses)
• "Maternity capital"
• subsidies for improving living conditions (“expansion”, certificates for land, houses, apartments).

To summarize this section, I would like to say that you should not limit yourself to just one type of sources. Ways to earn passive income are very diverse, and you can always work in several directions at the same time - this way your income will be much greater.

3. TOP 7 Ideas for creating passive income

We have looked at the main areas in which you need to work to make passive income.

It’s time to move on to specific ideas suitable for implementation - thousands of people have already used them and today have stable cash flows with virtually no participation.

Idea No. 1. Own website

The Internet is an inexhaustible source of everything: information, clients, sales, goods... You can’t list it all. The coverage of the World Wide Web is so global that even despite the truly enormous number of web resources, there is still plenty of space for new sites. That is why Internet sites are at the top of the list of methods for generating passive income.

What will it take to become a webmaster (site owner) and start receiving money? You need:

• knowledge of marketing (not at the level of an institute graduate, the basic principles, principles and skills are sufficient)
• PC proficiency (some special programs will be required)
• free time
• focus on results.

If you have everything from this list, congratulations: passive income on the Internet is an opportunity for you.

In our age of standard standardized things, any unique product that has properties that distinguish it from other products gains success - its inventor rapidly popularizes his name, and copies are sold in very large quantities. If you have an inventive or creative streak, you can try to write a book, create a canvas or other work of art, or develop a breakthrough technology.

The use of such ideas by others, as I said above, can bring long-term profits. It will come from licensing fees for the use of the product, the development of new solutions based on it, and many other things. Using your intellect to invent something new sometimes allows you to create a source of passive income from scratch: with only paper and pen (in modern conditions, a computer), a writer can create a masterpiece that will be read by the entire planet.

But what to do if you can’t invent a breakthrough technology or write a picture that will be appreciated by critics? Is it really not possible to generate passive income in this way?

Fortunately, it's not all bad. Today, even seemingly ordinary things, but presented in a new way, often have wild success. A striking example is traditional crafts: masters of knitting, sewing, pottery, weaving, and jewelry make money not only from goods, but also from teaching others their craft.

I can advise lovers of modern technology and active computer users to turn their attention to the Internet. Even one telling about a person’s life, if presented correctly, can “blow up” the Internet and become mega-popular. In addition, you can write computer software - games, programs, etc. useful utilities helping to do modern technologies it is more useful, clearer and more accessible to excellent users.

Creating a creative product is easier than you think. Explore your abilities, talents and skills - you will probably find something unique that you can apply and turn into money. If you do your business with soul and are able to establish a dialogue with people, then have no doubt that your creative product will be a success.

Idea No. 3. Property for rent

Surely you have property that seems to be necessary, but at the same time is not used very often (or is not used at all). If there is no desire to sell it, then you can rent it out and receive income from it.

What exactly is popular in rental markets? You can donate anything:

• apartments
• cars
• equipment for repair, construction
• cloth
• furniture
• decorations
• much more.

The obvious option for most is only an apartment - they are usually rented anyway by everyone who owns two (or more) apartments or has, for example, both a house and an apartment. The remaining objects, as a rule, hang as “dead weight”, cluttering up the space and not providing any profit.

For example, after the repair you still have the equipment that you bought for it: a jigsaw, a hammer drill or something else. It is, of course, a pity to throw away such things, there is no need to use them, and if they agree to buy them, it is much cheaper than the price in the store. In this case, renting is an ideal option: as a rule, such equipment is needed only for the duration of repairs, and people are not ready to buy it permanently, but borrowing it for a while is another matter. For 2-3 rentals you can get the same amount as other enterprising people offered to buy an instrument for.

Making the service popular in this case is quite simple: just advertise on some regional website for repair issues. If you don’t want to spend money, you can leave messages on thematic forums: they are visited entirely by representatives of the target audience, which means the conversion will be very high.

Of course, this type of income cannot be called completely passive: you need to communicate with clients, check the performance of rental objects. However, it is this idea that best meets the needs of those who are looking for passive income on the Internet without investment. Judge for yourself: you don’t need to buy equipment (you already have it), you can make advertising completely free of charge (links on forums or the same Avito), you can meet clients at home or in any other convenient place.

Idea No. 4. State payments

Speaking about the ideas of passive income, I mentioned that many residents of the Russian Federation have the right to receive money from the state, but do not use it. In this section I want to talk about this opportunity in more detail and give specific examples.

Who can apply for budget payments? There are several main categories here:

• pensioners
• disabled people
• families in difficult life situations
• families with a large number children
• entrepreneurs who have opened their own business.

In fact, you can receive payments even when you do not belong to any of the categories listed above (however, this will be very difficult to do, even if you meet those specified in Civil Code conditions).

Let's move on to a review of specific types of government support.

Method 1. Childbirth benefits

The state actively stimulates the birth rate, and today families with small children can receive several payments at once:

• “maternity capital” is quite large in size (453 thousand rubles in 2017, while regional authorities can pay extra at their discretion), however, it is issued only when there are at least two children in the family, and it can be spent in a limited number of ways
• child benefits (paid to the mother for the entire time she is on maternity leave).

Of course, the size of those “children’s” ones that exist today cannot please anyone, but in the absence of more, one must be content with what is there. Even small amounts of money coming in regularly and without any effort can help improve your financial condition.

Method 2. Subsidies for business development

The state is interested in development - this provides new jobs, tax revenues, and in the future also stabilization of the situation in the country. To this end, government authorities provide financial assistance to entrepreneurs who have a business idea and a clear understanding of how to organize its implementation.

A subsidy for business development is issued free of charge and free of charge - unlike a loan, it does not need to be repaid. Another plus is that absolutely any entrepreneur can apply for such financing.

Of course, the state is interested in issuing money for the implementation of only really promising ideas. Because of this, potential businessmen, in order to get money (and without government help, it is sometimes unrealistic to open a business), provide many documents detailing the project, profits and payback periods. The papers are reviewed by authorized structures, after which a decision is made (it can be either positive or negative).

Having received the money, the businessman must immediately put it to work, and then report the costs to the institution that issued the money. This point should be taken as seriously as possible: if the report does not satisfy the inspectors, they will demand the money back.

Government payments are an excellent opportunity to earn passive income with virtually no effort. Of course, it will not be permanent in the full sense of the word (with rare exceptions), but this possibility should definitely not be ignored.

Idea No. 5. Financial investments

Let's move on to studying probably the most serious method of generating passive cash flows - financial investments.

Why do I say this? Any investor planning to play in the financial market must have at least the following:

• endurance, patience, desire to improve and learn new things
• initial capital.

If, as a rule, there are no problems with the first one, then with the initial capital there are often difficulties. However, it is not worth abandoning this method if you do not have a significant amount of money: a small capital will simply bring less profit.

Where to invest to start earning passive income? There are several investment strategies that differ from each other in costs, payback periods and risks. But first things first.

Method 1. Purchasing real estate

If you have a fairly large sum on hand (several million rubles), then you can invest in real estate: an apartment, a house, industrial space.

This type of investment can begin to generate income immediately: when renting out the property, tenants will pay a certain amount monthly. If the value of the property has increased compared to the initial value, and buyers have also appeared, then you can sell the property: in this case, you will have not only the money paid for rent, but also the difference between the purchase and sale costs.

This method of investing is suitable for those who have significant capital and at the same time are not at all prone to financial risk. Real estate will always remain in value, and price fluctuations for it are not as significant as for “smaller” properties.

However, I would like to draw your attention to the fact that real estate will require costs even after its acquisition: the apartment (house, industrial space) must be maintained, utility bills must be paid, and so on. If you do not have a clear understanding of who will rent the property, and the prospects for increasing its value are very vague, it is better not to use this method of investing.

Method 2. Using financial instruments

Securities, Forex markets and other opportunities to make money on price movements are a great way to make money.

What advantages does this method have?

First of all, there is no need for large start-up capital. Having several thousand rubles in your pocket (or money), you can safely register on Forex and start investing. In addition, here you can very quickly increase your capital several times - stories about people who literally increased their savings by 3-4 times in just a week are by no means a fantasy.

Of course, such advantages cannot come without disadvantages. In principle, there is only one drawback, but it is quite significant: very high risks. Of course, their size depends on the investment strategy (you can not take risks at all - do not use financial instruments, but in this case you can’t count on profit. If you want, like those people from success stories, to grow several times weekly, then I hasten to disappoint – success, even if it exists, is guaranteed to dry up almost immediately.

This is why an investor in Forex and other financial markets, for example, must choose the right balance between profitability and risk. To do this, you need to be able to calculate the risks, you will also need the ability to control yourself and be calm in any situation.

Idea No. 6. Network Marketing

I already spoke about network marketing above, but now I want to dwell on this idea for passive income in more detail.

Selling products of famous brands is a truly global process: today it is carried out by people who have nothing to do with the company itself. This happens both because of the oversaturation of the market and because of the increase in the number of proactive, purposeful, active people who know how to sell a product to even the most intractable client.

Anyone can start making money from network marketing – including you. To do this, you need to meet all the conditions that I mentioned above, as well as have a good understanding of the manufacturer’s product range and be ready to always meet the buyer halfway.

Now - about what you need to know about network marketing and what methods of earning money there are.

The pinnacle of the dreams of many people is to create a business so that it brings a stable and large income, and without the slightest intervention.

This is, of course, a laudable aspiration, but we must remember that a businessman can only become successful if he can understand whether the chosen direction is promising, convince investors (if he does not have his own savings) of future profits and implement the project as it should be. was intended.

Often a potentially very profitable idea “stalls” only because the author himself does not have the money to implement it, and investors are not inclined to give their funds. In this case, an online business can help - it requires significantly less investment, and in the future it gives almost the same results.

What business opportunities exist on the Internet? There are quite a lot of them:

1. . Even if you don’t have anything that could be sold, it doesn’t matter - goods can be purchased and sold at a higher price. The Internet makes it possible not to spend money on promotion and renting space: promotion on the Internet can be practically free, and you can distribute goods right at home.
2. Provision of services. Strictly speaking, this refers to the promotion of services that are provided offline: legal, medical and other consultations, as well as other types of services. If you have the appropriate education and experience, but are experiencing problems with promotion, then the Internet is your best friend and an assistant: with its help you can convey information about the service to the consumer, organize a recording and collect feedback.
3. Information business. Knowledge is capital that will always be valuable. If you have unique information about something interesting and important and want to tell people about it, then you can create your own website (or advertise on forums and other resources) and look for clients through it.
4. Distribution of information. To make money this way, first of all you need to create a popular (with a large number of subscribers) page or website. Once this is done, you can contact the owners large companies, whose field of activity corresponds to the topic of the page or resource. It is quite possible that they will agree to send information about themselves through your projects, and you will earn income from this.

As you can see, it can be carried out in many directions, and the main thing is to choose exactly the vector that best suits your ideals, values, aspirations and capabilities.

4. Earn passively via the Internet: working methods

You can and should make money online. The types of passive income are vast and varied, and today, probably, anyone who has a connection to the World Wide Web can take advantage of at least one of them.

Before you start generating income via the Internet, I recommend answering yourself the question: what do you want to get? Do you want to earn a small amount quickly and without much effort, or are you ready to invest time, effort and money to ensure a stable cash flow?

If you chose the first option, then I can recommend, for example, making money on social networks or. You can do this on any social network, the work is completely easy, however, it cannot be called passive income - you will have to “scribble” every day.

If you chose the second option, then there are much more ways to earn money via the Internet that will generate (over time) income without your participation. In this article I will look at 7 main methods, but there are actually other possibilities. So, let's go.

Method 1. Implement advertising on your website

Every year thousands of new companies emerge and face the need to sell their products and services. For the world to know about them, they need to “promote” - advertise to everyone possible ways. One of the most effective places for promotion is the Internet: the audience is multimillion-dollar, and the costs are often lower than when advertising using more traditional methods.

What am I talking about? And to the fact that every webmaster (creator and owner of an Internet resource) can earn income from advertisers. This method will be the first in this section.

No. 1. Contextual

Contextual advertising is showing the user information that either corresponds to the topic of the page or what he previously searched on the Internet. This is a great way to generate income even when the site is in its early stages of development. Using this monetization method, a webmaster needs to do a minimum of things:

• think about where on the site the blocks with contextual advertising will be placed (if there are mistakes, don’t worry – the location can always be changed)
• register in programs for placing contextual advertising (Google AdSense, Yandex.Direct).

The services will do the rest (searching for clients, placing advertisements) for you.

How is such advertising monetized? Yandex.Direct, Google AdSense and other similar services at a certain frequency (usually once a month) transfer the webmaster’s income to a special account, which consists of the total number of “clicks” on the ad. The more clicks on the link are made, the greater the amount the owner of the Internet site will have.

No. 2. Selling links

The owners of other projects on the Internet are in dire need of visitors - the more of them, the more successful the site. They can also unwind due to special resources, engaged in “trading” links.

What is the essence of such projects? They act as intermediaries between those who want to “buy” a link (pay for a link to the desired site to be on a well-known and popular resource), and between those who want to “sell” the link (place it in an article on their website) .

If your project is well promoted (it has at least 5 thousand visitors daily, although each link exchange has its own requirements), you can try to “sell” links. To do this you need to start account on the stock exchange and submit your offer to potential buyers.

• “eternal” - sold immediately for the entire life of the site
• rental - placed for a certain period, while payment “drips” at a certain frequency.

The income from this method of earning is unpredictable - it can vary greatly depending on the theme of the site, its age, traffic and even the time of year. At the stage of project formation, you definitely shouldn’t resort to it: there is a great danger of being “banned” by search engines, and then the site can be closed. You need to wait at least six months, and only then register for projects to implement links.

No. 3. Selling banners

How does this work? The operating principle is similar to contextual advertising: The webmaster also needs to provide space for the advertising block (it should be visible, but not interfere with the perception of information) and place advertisements from employers on it.

What's the difference? There is no intermediary in the form of Google AdSense or Yandex.Direct - contact occurs directly between the advertiser and the webmaster. Due to this, the site owner’s profit increases, but the number of clients, as a rule, decreases - most of them immediately turn to Google or Yandex, without working directly with the project owners.

To sell banner advertising, the website must have comprehensive information about the terms of cooperation - terms of placement, cost, and other provisions. It is best to allocate a separate page on the resource for this so that all the information is in one place.

To summarize, I can give webmasters who are planning to earn income from advertising a couple of tips:

• you need to have good knowledge in SEO optimization of resources and learn how to interact with advertisers (this will come with experience)
• the site should be made primarily for people, and not for monetization - uninteresting web projects are never considered by advertisers, and Google AdSense and Yandex.Direct are increasingly “learning” to ignore such resources.

Method 2. Affiliate programs

What's happened ? This is a way for sellers to attract customers. It consists of the following: a company that has a product attracts other people to distribute it, promising some income from each sale.

Today, almost all major sellers of goods and services have affiliate programs - in this way they save not only time, but also money, and other people get the opportunity to make good money.

Finding is easier than it seems - there are many ways to do it:

• place a banner on your own website (if you have one)
• create a group on a social network, distribute the link among its members
• purchasing an article with an embedded link on a third-party resource
• posting a video on the Internet indicating a referral link (you can show it in the video itself and place it in the description).

When participating in an “affiliate” program, you definitely need to find out how reliable its organizer is. There are many cases where promising and promising projects in fact, they turned out to be an ordinary “scam”. It is worth paying attention to both the reviews of friends and acquaintances (if they have previously participated in the program) and the opinions on specialized Internet resources.

Method 3. Investing

To make a good profit, sooner or later you will need money - if there is no starting capital at all, then you cannot count on large sums.

As soon as you have at least a few tens of thousands of rubles available for investment, you can start investing. This method of generating passive income, as I said above, is potentially the most profitable, but also the most risky.

What to do to reduce the risk of losing funds to a minimum? A great way is to diversify your investment portfolio. The word is quite complex, but in practice everything is quite simple: it means the distribution of funds between various instruments.

For example, a fairly popular portfolio in the investment environment looks like this: 40% of all funds are allocated to bank deposits (minimal risks, low profits), 40% to PAMM accounts (more significant risks, but higher profits), 20% to others projects.

In addition, within each instrument, funds can also be distributed (for example, making not one, but several bank deposits, making several instead of just one).

The portfolio described above is the optimal combination of risks and returns: it provides an almost 100% guarantee of the safety of funds (if not all, then at least part of them), while providing significant profits.

PAMM accounts, mutual funds... Surely the unprepared reader has a question: “What is this anyway?” We will now talk about what investment instruments there are and what features they have.

Method 4. Bank deposits

A bank deposit (or deposit) is an understandable and virtually risk-free way to generate passive income. It is implemented as follows: you open a deposit in a bank, deposit a certain amount into a special account, and after a predetermined period of time, income equal to a certain percentage of the amount is credited to the account.

How much can you earn with a bank deposit? No - today rates in large and well-known banks (and, perhaps, it is not worth opening deposits in others) are at around 7-8% per annum - that is, approximately at the same level as inflation. This means that today deposits help not to increase savings, but to preserve them.

However, where there is less income, there are less risks. Of course, cases of bank bankruptcy today are not so rare, but almost all financial institutions are participants in the deposit insurance system (DIS). If the bank does not have the funds to pay depositors, then another financial institution appointed by the DIA (Deposit Insurance Agency) will do this for it. It is worth noting that only savings of up to 1.4 million rubles are eligible for the program.

Do you need a bank deposit in your investment portfolio or can you bypass it? Despite the very small profit, the answer is clear - it is necessary. The deposit acts as a financial “safety cushion” - even if all other funds are lost, the money placed in the bank will make it possible not to go bankrupt.

Method 5. Mutual funds

(or mutual fund) is a complex in which there are two types of participants: shareholders (people who invest money) and managers (people who manage money for profit; often part of the same organization).

In a simplified form, the process of functioning of a mutual fund can be described as follows: an investor buys a certain number of shares (securities) and becomes a participant in the fund. The money that was contributed to the purchase of shares is used by managers in financial transactions to make a profit. If income has been received, it is distributed among shareholders according to the principle “the more securities, the greater the profit.”

About 10-12 years ago, mutual funds were a very popular investment method - the return/risk ratio was quite high. Today, the situation has changed quite dramatically, and many fraudulent structures have also emerged, and therefore mutual funds today are, as a rule, not considered by advanced investors.

Method 6. PAMM accounts

A PAMM account is an investment method similar to a mutual fund.

The functioning mechanism is as follows: a group of investors gathers who do not want to trade Forex on their own, but have capital. Next, the players create a common account and search for a successful specialist who can manage this account. Once an agreement is reached between the trader and investors, the specialist begins trading Forex with the goal of making a profit.

How much can you earn on PAMM accounts? It depends on the type of trader (you can work with people who adhere to completely different strategies) and on his remuneration (usually 20-30% of the profit, but sometimes more).

For a person who is ready to invest money and receive income from it, PAMM accounts are interesting for the following:

• You can “enter” the market even with a small capital (from $10)
• you can choose a trader yourself, having complete information about the strategy of his actions and successes in previous periods
• transactions with money (crediting to the account, payments from the account) are carried out quickly (within 1-2 business days).

Of course, PAMM accounts also have disadvantages. The first (and most important) is the real possibility of losing all funds. Often, even very successful traders show unsatisfactory results in certain periods of time, and for many investors this is enough to be left without money.

The second is the inability to control the actions of the manager. A specialist works according to his own rules, and it is almost always impossible to prevent him from investing in a particular asset (which may be unpromising).

PAMM account, despite its shortcomings - good way seriously increase your capital. It’s not worth allocating a large percentage of your savings to it, but there’s definitely a reason to include it in your investment portfolio.

Method 7. Venture investment

Venture investments (or, as they are also called today, “startups”). Such undertakings differ from others in that they necessarily carry some kind of novelty.

As a rule, a person bursting with ideas does not have the money to fully bring to mind at least one of them. Because of this, he has to cooperate with people who are willing to give money for the development of the initiative. Of course, not for nothing: if the implementation is successful, the investor who invested his money will receive a certain percentage of the income.

You too can become such a person. This is quite simple to do: there are many “startup” exchanges on the Internet, which you can freely go to, register and study the proposed projects. The opportunity to communicate with the authors is provided - first-hand information will help you make the right choice.

What should you keep in mind when making venture investments? There are two main points:

1. There are a lot of ideas, and it’s impossible to invest in everything. However, it’s also not worth investing everything in one “startup”. The best option is " golden mean": it is worth choosing several projects (3-4) and distributing funds between them depending on the expected development of each.
2. You will have to control how the project is progressing on your own - there are no managers. During supervision, it is imperative to compare the pace of development of the selected “startups” with each other and, if necessary, redistribute capital.

Method 8. Precious metals, currency

When choosing an investment method, anyone will look at popular and well-known methods - currency and precious metals. Well, let's talk about them too.

Precious metals listed on various exchanges are gold, silver, platinum and palladium. They have long been a means of storing savings (and at the earliest stages of human history they even replaced money).

Despite the widespread belief that investing in precious metals is profitable, such savings do not bring large incomes. Moreover, they are unprofitable: at the beginning of 2016, a gram of gold cost more than 3,000 rubles, and today it barely reaches the 2,400 ruble mark. The situation with platinum is the same: if at the beginning of 2015 it cost 2700-2800 rubles per gram, then today it is a thousand cheaper.

As for currencies, today too much volatility prevents us from considering them as a savings instrument: the exchange rate “jumps” back and forth, and it is almost impossible to predict where it will move in the near future and by how much it will change. In the situation with the ruble, oil has a great influence: where the “black gold” goes, so does the Russian currency.

To get some income from savings in precious metals or currencies, you need to constantly monitor changes and sell/buy assets. Such activity sooner or later turns into trading, and we are talking about passive income.

The same situation applies to bonds, stocks and futures that can be purchased online. The profitability is far from the highest, and the risks are high, so I recommend taking a closer look at other investment methods.

Method 9. Internet projects

Finally, the last type of investing via the Internet is investing money in projects on the Internet.

This name, as you might guess, refers to the most ordinary sites. I have already talked about how they make a profit in this article, so I will not repeat myself.

What is definitely worth mentioning is the payback period for investments. Depending on the topic of the resource, its traffic and the price requested by the webmaster, it takes from one to two years to return the funds. The period, of course, is rather long, but the return is significant: after this period, the project will generate significant income, which will almost entirely be net profit.

Of course, if you have absolutely no knowledge about websites and how they need to be administered, use this method not recommended - the project should not stand still, and if there are no changes in it, sooner or later everything will stall. However, even if the information is minimal, everything will come with experience, because the main thing is the desire not to stand still and improve in a new area.

Method 10. Passive income through social networks, YouTube

In search of an answer to the question " how to create passive income? many come to social networks and video hosting sites. This step, in general, is completely reasonable - you can really make money here.

Where can I get them? To increase the number of followers, you can use the following methods:

• advertise in other thematic public pages - people will find out that you have a page and start reading it
• hold competitions - investments in prizes (often literally a few hundred rubles) pay off many times over (“everyone loves a freebie,” even if it’s a small one)
• “increase” subscribers (there are specialized services that significantly increase the number of subscribers for a reasonable fee).
• negotiate with the owners of other “publics” - it is quite possible that they will agree to exchange advertising (you will post information about your partner’s page on your resource, which, in turn, will give its subscribers information about your project).

However, I don’t plan to abuse the method of “cheating” subscribers - often the pages are “fake”, and potential advertisers (those who will bring you money) will not be interested in them.

YouTube and are promising areas for generating passive income, because the number of users is only increasing from year to year. If you manage to create a product that is interesting to other people (and not only information is important here - its presentation, speed, importance and the like are important), then profit (mostly passive) will not be long in coming.

Method 11. Newsletter

If you have already become well established and are looking for additional sources of money, then you can turn your attention to sending out information.

A good project always has enough readers and subscribers who don’t want to miss a single update (an interesting photo, article, news or something else). It would be a sin not to give them this opportunity by sending out interesting new materials, for example, by email or to a social network account.

How is income generated here? In addition to the actual information that is interesting to the reader, you can add advertising, referral links, and anything else that advertisers are willing to pay for in your messages. Since messages are almost always read, additional information will not go unnoticed, which means such advertising will be expensive.

5. Financial independence – what is it and how to achieve it?

In conclusion, I want to talk about one issue that may not entirely correspond to the topic of the article, but that does not make it any less important. We will talk about financial independence.

What is financial independence? Personally, by this I mean complete material freedom - a person does not depend on work, he has such passive income that makes it possible to live with dignity without “active” income.

Is this real or not? Opinions are very different: someone believes that financial independence is quite achievable, and is trying to work in this direction. Some people think that such a concept is by definition utopian, which means it’s not worth even trying to do something.

Who is right? It is impossible to give a definite answer to this question. However, this does not mean that passive income is a pipe dream: as you have probably already seen, it is quite possible to achieve it if you try.

Remember at the very beginning of the article we discussed how “rich” and “poor” people differ from each other? This section is a kind of logical continuation of this topic. I want to give you some advice, following which may not lead to financial independence in the full sense of the word, but will definitely help you find the right path.

It may sound pretentious, but it is true - a person who has no goals will never achieve anything. On the contrary, those who have goals will sooner or later achieve results.

Goals must be specific and realistic - otherwise it is unclear what needs to be achieved, and it is also unrealistic to achieve. In addition, the goal must be really important: otherwise there will be no motivation to achieve it.

Once the goal is achieved, you need to set new guidelines. Life is a movement, and one success (even a grandiose one) without development will never have any great meaning. It is better to move in small steps, but constantly, than to achieve a lot once and then stop completely.

Material values ​​are, of course, good, but what can they give later? In contrast, investments in self-development will definitely pay off - maybe not in a material way, but in some other way.

Today, it is not difficult to obtain useful information: the Internet opens up truly limitless possibilities in this area. You can, without leaving your home, listen to lectures by the most famous motivators, businessmen, investors and gain knowledge on your own.

There is no point in refusing this, citing lack of time, age or something else. Time, if there is a desire, can always be allocated, but the Russian people once brilliantly said about age: “Live forever, learn forever.”

The fundamental principle of a “rich” person is that his income is greater than his expenses.

Often people have absolutely no idea where they spend their seemingly large salaries and savings. Meanwhile, putting this matter under control couldn’t be easier: all you need is a pen and a notebook where all income and expenses will be recorded. If you are an active user of modern technology, then you can use office applications (Excel or something similar).

This simple step will allow you to quickly determine which costs you can definitely avoid and how much money you will have as a result. Excel tables (if you keep records on a computer) will also allow you to make a forecast of how much money you will have left if you live in proper saving mode for several months, a year or several years.

If expenses are still greater than income, it’s worth working in a different direction - perhaps it’s worth finding a new one (or extra work), and also look for other sources of active income. Without them, in the first stages there is nowhere: passive income without active (at first) is impossible, since start-up capital is required almost everywhere.

I told you where you can make investments - now all that remains is to apply the acquired knowledge in practice.

If you do not have a large enough capital, and its loss would be fatal, I recommend starting only with bank deposits. The risks here are minimal, and during the time the deposit expires, you will save up more money and be able to move on to other types of filling your investment portfolio.

As capital increases, the portfolio needs to be diversified - start using as many instruments as possible. At the same time, you don’t need to do this at random: before choosing one or another method, you should study it in detail and only then decide whether it’s worth using it or whether it’s better to look for something else.

An ideal investment portfolio will generate significant income even when the state of the largest financial markets is extremely unstable. It has a lot of tools, which means even total loss from one source has virtually no effect on well-being.

6. Conclusion and conclusions + thematic video

Passive income is a real opportunity to provide yourself with a decent life right now, without experiencing dependence on relatives, the state or anyone else.

There are many ideas that you can use to start creating your own passive income. Not all of them are original, but the potential has not been fully exploited: every idea described in the article, if implemented correctly, will generate income.

One of the best places to generate income that will appear without any labor costs is the Internet. If you have a little money, knowledge and a desire to develop, then rest assured: at least one of the ways to make passive money on the Internet is a reality for you.

However, for making money without any effort to become a reality, it is not enough to implement one idea well - you need to change your consciousness. You need to treat money as a means of self-development, keep detailed records of it and spend no more than you earn. Only in this case will you become a truly financially independent person.

This concludes my review of ideas, methods and tips for passive income. If you still have any questions about the topic of the article, be sure to ask them through the comments. If you have anything to add to the article, also write to us - real experience is always valuable and interesting to users. Well, I say goodbye to you until the next interesting and useful articles!

Each of us wants to receive passive income, while minimizing investment risks and not losing what we have accumulated through various efforts and labor. Today this can be done if you pay attention to the investment blog, which has been following all changes and new products for almost 3 years and tries to regularly offer you useful articles, recommendations and advice.

Investment blog - all about ways to make money on the Internet

What is an investment blog? This is the site where the following are collected:

• Articles about money, economics and finance;
• Useful recommendations on how to earn money without investments and where you can make a profit online;
• Current descriptions of working with cryptocurrency, reviews of profitable crypto coins;
• Current ways to earn money;
• Interesting news from the world of money that is important for everyone.

And this is not a complete list of exactly where a blog can be useful to you. I am glad that both newcomers, with whom we are moving towards the Olympus of financial independence, and experienced market sharks who received their Oscar, approaching good indicators of total income, are cooperating with me. Many people choose GQ Blog Monitor for 10 reasons:

1. I share my own experiences absolutely free of charge, which is rare in today's world;
2. I regularly fill the blog with useful articles, anticipating your information requests;
3. I make conclusions and analyzes, so I publish detailed and complete reports on the work of the blog weekly;
4. I do not force anyone to do anything, I only recommend;
5. I always point out the pros and cons of specific proposals;
6. I regularly offer a variety of competitions where you can receive financial rewards;
7. I am open to new proposals;
8. I provide a platform for publications of young and talented authors;
9. I am glad to see every comment under the materials;
10. I am in touch with you on many social networks.

Blog of private investor Ganesa

Having gone through many stages of the starting path on my own, I came across a rake that made me smarter and set my work in a productive direction. And I know how important it is at the very start to have qualified and professional support from an investor who has gone through everything on his own.

“Why a blog?”, you ask, and I hasten to answer that this is a convenient form of communication, filling content and establishing communication. And in the financial world, where every second something changes, the Bitcoin rate loses or gains up to hundreds of dollars, and miners mine a new block, it is extremely important to constantly be in touch and quickly respond to everything. GQ Blog Monitor can boast of this. I don't just advise, I also simplify your life. A crypto portfolio launched at the beginning of the year is a convenient method to organize investments and only monitor positive updates. If you previously kept records yourself, now everything is much simpler.

Investment articles on blogs appear every day, but I fill the content taking into account the desires, opportunities and interests of everyone. I do not write a separate blog specifically for an experienced trader or a beginner, I do not write separate articles about investing in stocks, as in a highly specialized investor blog. My blog combines recommendations from a practical investor, reviews, advice, and news from various financial areas. Together with me, you can not only learn how to make money work, but also what needs to be done so that the slogan “Store and increase” becomes the basic rule for all partners.

Taking into account the tastes and information preferences of each investor, I propose to choose priority areas and follow the latest “Hot Topics”. The private investor’s blog is open to criticism and comments, and all your questions are sure to be answered: promptly and in full. You can always see how I work and what projects I work with. The blog sections contain the most current articles about everything that will help you become a financially independent person: from the principles of the cryptocurrency mining algorithm and how to work with faucets and make money on paid surveys.

In reviews and feedback on new projects, I offer hype monitoring with detailed analysis and regular reports on the work of sites. Each investment project is submitted with different sides partners:

• legend;
• marketing;
• administrator information;
• my personal opinion;
• technical part.

This is done to ensure that the decisions you make and certain investments you make are objective and effective.

My conclusions about investment blogs and my blog

In order to develop and follow all current trends, I read the blogs of partners “Save your money!”, a popular blog of a practical investor talks a lot about various bonus programs and plastic cards; and by flipping through a blog from an experienced homebody investor, you can learn more about the Forex market and the rules of working on it. I often visit the blog from Denis, a free investor who works with cryptocurrency. You can work with PAMM accounts and learn about investing in stocks and gold by reading the materials of a lazy investor who has been blogging for a long time. They learn a lot from me, and I learn a lot from them. And this is good: the exchange of data and information always has a positive effect on each side.

Each blog is individual and interesting, and the investor platform is unique. I can say: the content of my blog is for everyone: investors, those who work online and are looking for ways to remain anonymous, who are interested in stocks and cryptocurrency, choose HYIPs, stocks, and are looking for options for remote earnings. For ease of accounting, there is an investor's portfolio.

I work for all investors, no matter what your total investment volume is per week or month. GQ Blog Monitor is your guide, advisor and ally in the world of investments and financial literacy. I hope that when the next wave of voting takes place among readers and users for the best investment blog on the RuNet, you will bet on my investment blog, where recommendations are collected in one place on how to increase money during the Super Moon, tips on how to invest small ones for big profits amounts and the best fresh HYIPs.

My investment blog is an encyclopedia, address book, a reliable assistant and consultant with a news feed for everyone.

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 - isn’t it nonsense?

And one more point that I would like to dwell on 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 verification of 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 tasks in a variety of areas - registration on sites, 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 force you to work full time - if you have 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 a website, up 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 upload finished works to the store. 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 skill 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 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, transitioning, 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. Operates automatically. To earn money, you need to install a program or browser plugin from your personal account.

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 in any way interfere with your normal work. Mind your own business, and the program is in background earns a little money, though 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 the page 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

Earning money follows the standard scheme - register, fill out your personal data, answer questions from the tasks. 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.

For the initial data about yourself, the service charges money - you will receive a total of 80 rubles by simply indicating your marital status, availability 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 with different characters). 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 average price 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 (such as subscription to social account) and ending with complex multi-step ones (like - open a search, enter a phrase, find a site, go 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 a kind of advertisements that 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 the section 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 something. These may be the most different texts, from your experience using an iron to your impressions of hiking to the top of the 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. The minimum payment amount is 500 rubles.

Referral program: yes

Sites for making money on comments

Writing comments is ordered for different purposes - in some places you need to dilute the SEO text in an article, in others you need 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 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.

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