How to Make Money Without A Job: 7 Legitimate Ways
Moms Make Cents Logo
Close this search box.

How to Make Money Without A Job: 7 Legitimate Ways

This post may contain affiliate links, which means I may receive a small commission, at no cost to you, if you make a purchase.

Are you wondering how to make money without a job?

You’re probably in a pinch and think you’re doomed. So you scurry and open your computer, hurriedly typing these words:

How do I make money without a job?

Sound familiar?

Have you a friend or loved one frantically look for ways to earn money?

Or has this happened to you?

How Do I Make Money Without A Job?

Picture this. The rent is due. You’ll also need to pay your student loan at about the same time as the other bills are payable.

While that’s normally the case every month, here’s the twist. You’re down to your last money, and you’re not sure when your next paycheck will come. Worse, you’re without a job, so that paycheck may not arrive any time soon.

In a tight pinch at the moment, you’re kicking yourself for not opening that emergency fund you’re planning to do months ago.

Everything would have been all right if you have a savings account to get by. Too bad, you don’t have that one too.

Now, you’re in a pickle on where to get the money for these bills.

Guess what! You’re not alone.

Did you know more than 50 percent of Americans have less than a thousand dollars in savings?

Things will come up, and financial emergencies like these will have you in a bind for cash.

So what do you do what any of these will happen to you?

Ideally, you should have an emergency fund to answer for these unexpected or unanticipated events. At least a savings account that gives you easy access to cash when you need it.

But if you haven’t built upon that (or if you have, the funds are insufficient), check out these cool ways to make money without a job.

Most of these jobs are online-based. But you can trust these jobs are legal and legit.

Tips on how to make money without a job.

Whether you’re looking to earn a hundred thousand dollars while working in the comforts of your home or just looking to score a few hundred bucks, these jobs can free you when you’re caught in a tight pinch for cash.

There are plenty of opportunities for moms like us to pick up extra cash while we’re at home.

If you’re willing to hustle, then these online jobs for moms might interest you.

1. Take Surveys

You can get paid for participating in market research or doing surveys online.

There are a lot of companies and brands that pay willing individuals to answer online questionnaires or provide consumer data.

In turn, these companies will collect and use the information to improve product quality and increase revenues.

Individuals participating in these online surveys and market research activities can earn cash, which is usually payable through PayPal. As an alternative, payment may be made in the form of gift cards or coupons.

Would you like to know where can you find these online surveys for money that pay via PayPal?

Two of the popular survey sites that pay well are Survey Junkie and Swagbucks.

Survey Junkie:

With Survey Junkie, you can earn up to $25 per survey you participate in. When you have at least $10 in your account, you may request a payout.

In addition to answering survey questionnaires, you may also participate in focus groups or phone interview. You may also indicate your interest in trying out new products.

The more market research activities you participate in Survey Junkie, the more chances of earning.


On the other hand, Swagbucks is a great site that gives you a lot of opportunities to make money. Your tasks include watching online videos, playing games, and shopping.

The more activities you do, the more Swagbucks points you’ll earn.

When you reach 2,500 Swagbucks points (which is equivalent to $25), you can request for a payout.


You might also want to try MyPoints.

When you reach at least $10 in MyPoints credits, you can request for a payout. To earn these credits, you’ll be playing online games and watching videos; just like the activities in Swagbucks.

2. Freelance Writing

Then you might want to consider engaging in freelance writing.

Because of the flexible nature of the work, freelance writing is perfect for moms.

Did you know writers are in demand?

In addition to newspapers, magazines, and media publications, there are many companies that are looking for a writer to produce content for their website and social media accounts.

Wondering where you can find freelance writing jobs?

Check out Upworthy, Narratively, and Babble for available jobs.

You don’t have to worry about not being a professional writer. As long as you can effectively communicate your thoughts in a coherent manner, you’re good.

3. Drive For Lyft or Uber

Did you know an estimated 48 million Americans will use ride-sharing apps at least once every year?

This makes driving for Lyft or Uber a sweet hustle to extra money.

Wondering what are the perks of being a Lyft or Uber driver?

You can easily add thousands of dollars to your income every month by just working for a few hours in a day. Please note that individual earnings may vary, depending on the time of day, demand, and location.

Plus, you get to meet many interesting people during the rides.

4. Rent Out Your Car

Do you have an extra car that you’re not using?

Instead of letting your car sleep in the driveway and unutilized, you might want to consider having it rented out. That way, you can generate extra cash off it.

You can use the downtime, enjoying quality time with your family or friends.

Assuming you are able to rent out your car for 25 hours per week, at five bucks an hour, you can earn $125 weekly. That’s $500 every month without doing anything.

You might want to check out GetAround.

It’s a car-sharing app that lets car owners rent out their vehicles to other people.

GetAround will handle the logistics so you don’t have to worry about scheduling of the car’s use and the handing over of the keys.

5. Take advantage of the cashback rewards.

Are you down to your last few bucks and you still need to buy groceries?

Here’s a solution to take this particular problem off your mind.

Make your purchases count and earn those cashback points. You can use them when you need to get your everyday essentials.

Wondering how these apps for cashback work?

Think of it as getting rewarded for spending.

The more purchases you make, the more cashback points you earn, which you can use to get your grocery items.

Here are some of the best apps for cashback.

Ibotta is a great app that you can use for online and offline shopping. You can use the earned cashback points to buy your regular grocery stuff like milk and eggs.

Related: Ibotta Review

To redeem your cash back credits, all you need to do is scan your receipt and submit it to Ibotta.

Have you heard about Ebates?

What’s great about Ebates is that it is connected with more than 2,000 online and actual, physical stores.

This app will let you earn cashback points when you purchase items that are related to health and beauty, home products, electronics, clothing and accessories, auto, travel, and baby items.

And that’s not all. You can also earn cashback points when you use your credit cards.

Want to enjoy special offers and promos as a reward for your shopping?

Then you’ll love Checkout51.

Just like Ibotta, all you need to do is scan the receipts and upload it to Checkout 51. Within 48 hours, the app will credit the cashback points to you.

5. Become An Airbnb Host

You might want to consider being an Airbnb host.

It’s a great side hustle since it doesn’t require too much work from you.

To start hosting on Airbnb, you need to create an account and build your listing for your available room.

Once you have completed this process, that’s when you can start booking requests for stays.

The earning potential for Airbnb hosts depends on several factors.

For starters, the area where your home or room is situated. If live in an urban area where there are lots of people and tourist attractions, you’ll likely earn more compared to Airbnb hosts in rural or secluded areas.

How nice of a space you have will also determine your rate.

Naturally, if you offer a hotel-like experience complete with amenities, then you can charge higher than other Airbnb hosts offering the same accommodation.

If there are holidays or special events held within your area, you can also charge more.

6. Teach Online

If you’re wondering how to make money without a job, then you might want to consider online tutoring.

As an online tutor, you can put your enthusiasm and skills in teaching to good use.

Did you know you can earn between $14 and $22 an hour as an online tutor?

What’s great about online tutoring is that you can choose your own schedule. This is perfect for busy moms like us.

The peak teaching hours are in the late evenings or early mornings. That’s about the same time that the little tots are asleep and you’re enjoying the peace and quiet in the house.

Wondering where you can get a gig as an online tutor?

Check out VIPKid. This company offers English language instruction to Chinese kids online. To qualify as an online tutor, you’ll need to have a bachelor’s degree; some teaching experience is an advantage.

You might also want to consider QKids. It’s similar VIPKid, only that this company doesn’t require a bachelor’s degree to work as an English tutor.

7. Become A Virtual Assistant

It’s like being an office assistant; the only difference is that you’re performing all the tasks within the comforts of your home.

As a virtual assistant, you’ll be providing technical and administrative support to businesses. Your tasks may include schedule meetings, writing emails, handling social media accounts, or doing phone calls.

On average, a virtual assistant enjoys a starting rate of $15 an hour. But if you have particular skills that are necessary or desirable to your client’s business, you can ask for more.

How To Prepare In Case Your Lose Your Job

When you got bills to pay and you’re down to your last few dollars, it can get really stressful.

But it’s a learning experience.

If there’s a lesson to be learned in this situation, it’s to save when and while you can.

So instead of scurrying to pull a couple of bucks, here are tips to avoid this highly insecure financial situation.

Open a dedicated savings account for emergency use.

Do you have an emergency fund?

Did you know the key to a stable and secure financial future starts with maintaining an emergency fund?

Think of it as saving for the rainy days.

So when the need arises, you won’t have to borrow money from family or friends. Or scamper to the bank and get a loan.

With an emergency fund in place, you have something that you can use to cover for any unexpected medical or healthcare cost or unanticipated home or car repair.

Financial emergencies are going to happen at some point. It’s up to you to come prepared when that happens.

Create a budget and stick to it.

With a solid plan allocating your monthly income to the essential expenditures, you are better prepared at facing the unexpected or inevitable.

Check out my post on how to make a budget for your household. It talks about how to get started with budgeting, what are the different budgeting methods, and more.

Make savings a priority.

In your budget, always allocate a certain portion of your monthly income and put it in your emergency fund and personal savings account.

You and your family will thank you for doing that.

Conclusion: How to make money without a job

It’s easy to make an extra thousand dollars or more in a month. If you’re willing to hustle, that is.

With these income-generating opportunities, you’ll have the resources to cover for the month’s essential expenses.

And if you do well, you might even have money to spare so you and your family can enjoy a beautiful night-out or take a vacation trip.

Share your tips below on how to make money without a job.

Calculator on a desk with the text how to make money without a job

McKinzie Bean
McKinzie is a mom of two, and a personal finance enthusiast. She loves teaching other moms how to save money, make money, and take control of their financial situation. She has started five profitable businesses and in college, she double-majored in Financial Planning and Psychology. You may have seen her in publications like Forbes, The US Chamber of Commerce, Yahoo Finance,, The Penny Hoarder, & more.

Leave a Comment

Your email address will not be published. Required fields are marked *