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17 Ways to Make Money Without a Job
Market research, housesitting, renting stuff and gig driving are possible ways to earn cash on your own.
Tiffany Lashai Curtis is a former lead writer for the Core Personal Finance team at NerdWallet. She was previously the health writer for Livestrong.com and a freelance writer for publications like Refinery29, Business Insider and MTV News, where she focused on issues that affect marginalized communities. As a wellness facilitator, she has led conversations for organizations like Planned Parenthood and Harvard University. She is based in Philadelphia.
Lisa Mulka is a freelance writer specializing in personal finance content. With more than 15 years of writing experience, Lisa most recently authored a book on personal financial literacy and served as lead writer on the FDIC’s Money Smart for Young People program. She holds a bachelor’s in creative writing, and master’s degrees in written communication and in educational technology. Lisa lives with her husband and two children in Michigan, where she spends her free time teaching the next generation of writers at Johns Hopkins University Center for Talented Youth.
Pamela de la Fuente is a managing editor of NerdWallet's personal finance content. She leads budgeting, money-making, consumer credit and and debt coverage.
Ask her and her talented team about why credit scores matter, how to save money on your grocery bill, finding the right side hustle, how to protect your identity for free and more.
Previously, she led taxes and retirement coverage at NerdWallet.
Pamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star. She has been a writer and editor for more than 20 years.
Pamela is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all.
She is a graduate of the Maynard Institute's Maynard 200 program, and the National Association of Black Journalists Executive Leadership Academy. She is a two-time winner of the Kansas City Association of Black Journalists' President's Award. She was also founding co-chair of NerdWallet's Nerds of Color employee resource group.
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Nerdy takeaways
You can make money without a traditional 9-to-5, but event the easiest ideas take time and effort.
You may even already have skills that you can monetize.
You can skip the side hustle and look for ways to cut and save if it’s not in the card.
A 9-to-5 isn’t for everybody, and some personal situations may not allow for a traditional job. If you’re seeking something else, or you want to make ends meet until you find something permanent, there are plenty of opportunities to consider in 2026.
1. Participate in paid market research
How about a few extra bucks a month? Paid market research is a thing. Sites like Usertesting.com, for example, pay participants for their opinions on products, services, brands, apps and websites.
The "work" can include taking surveys for money, doing focus groups and participating in medical research (being paid to give an opinion on or to help test medicine or treatments).
How much you earn and how you receive it will vary — some pay participants with points to earn, an hourly rate or in gift cards.
2. Become a virtual assistant
Individuals, groups and businesses often need help with the day-to-day. A virtual assistant handles tasks like email management, calls, bookkeeping, social media and more, all from home. You could use a platform like Taskrabbit find work.
The average pay virtual assistants in the United States in 2026 is $25.65 per hour, according to job site Indeed.com.
Selling online is super flexible. You can use Facebook Marketplace to declutter your house for cash, or go the thrift-and-flip route. You can also launch a legit selling business on Amazon, eBay or Etsy if you get serious. Decide what and where to sell and start listing.
4. Housesit
Housesitting can involve taking care of pets, watering plants, bringing in mail and packages and keeping up a home while the owners are away.
It's flexible because you set your hours, find clients and set your own rates. You can choose to house sit in your neighborhood, city or anywhere in the world, sometimes with free travel accommodations.
Check out websites like housesitter.com and housesittersamerica.com for help finding gigs (usually for a fee). Some house-sitting platforms focus on free accommodations in places where you want to travel, rather than paid gigs.
5. Write online reviews
Companies that sell a product or service may pay users for feedback and reviews. Some websites pay for reviews and surveys with cash or a check upfront. Other sites have users accumulate points per survey completed and redeem those points for cash, checks, gift cards or prizes.
6. Start a blog
You'll have to build an audience before you're able to make money blogging. Once you do, you can try advertising, affiliate marketing, courses, e-books and more to earn from your blog.
7. Game on Twitch
Gamers can try to make money on Twitch, the world's leading livestream platform, but success and earnings vary. Strive to create engaging content that people want to follow for more so you can monetize as a Twitch Affiliate and eventually Twitch Partner.
8. Sell photography
Turn your hobby or talent into income by selling your images to stock photography websites and freelance marketplaces like Shutterstock, Adobe Stock, Upwork and Fiverr. You can also use your portfolio to find clients without the use of third-party websites.
If you don't have a professional camera, snap with your phone and invest in editing software like Adobe Photoshop.
9. Pet sit
Pet sitting can be a good side hustle for college students or anyone else looking for flexible hours and rates. To get started, try an online pet-sitting marketplace like Rover or Wag. Or, find pet owners in your neighborhood and grow your clientele through referrals.
The average income for a pet sitter is about $16 per hour, according to ZipRecruiter.
10. Do freelance work
If you've got a skill or interest, such as writing, graphic design or coding, you can be a freelancer. You might also learn to use generative artificial intelligence tools, which can enhance your work quality and speed up delivery.
Try freelance websites like Fiverr and Upwork to get your profile up quickly, or create a personal website and market services using social media, email and word of mouth.
The average hourly pay of a freelancer is about $28, according to Indeed.com, but fees vary by profession.
11. Create a podcast
Got something to say and a good radio voice? Starting a podcast can be a fun project and potential earning opportunity.
A 2025 survey by Edison Research found that 167 million people, 58% of Americans age 12 or older, have listened to or watched a podcast in the last month.
Like with other content “jobs”, you’ll need an audience before you can actually earn from advertising or affiliate marketing.
12. Become a rideshare or delivery driver
If you have a car and like to drive, consider Uber, Lyft, DoorDash or Instacart to earn in a pinch. As long as you qualify to start, you can earn money relatively quickly.
The pay for drivers differs by location and service. Gas and other vehicle expenses will cut into earnings.
13. Tutor
If you’re sharp in a subject and a good communicator, tutoring can be a great way to make money.
You can find work online on sites like Tutor.com or Care.com, or simply network with friends and family to let people know you're available. According to Indeed, the average rate for a tutor is about $26 per hour in the U.S.
14. Rent out items
What can’t you rent out these days? Clothes, cars, homes, spare bedrooms, furniture, instruments, storage, tech equipment and more are all on the table.
Some websites cater to a specific type of rental. A platform like ShareGrid lets you rent out camera gear, for example, while Vrbo is for vacation homes. Also check out general websites like Facebook Marketplace or Craigslist for other categories.
15. Use cash-back apps
Spend a lot of money, make a little. There are several coupon and cash back apps that allow you to link your debit card, bank account, or Venmo and Paypal accounts and then earn back a percentage of your purchases at select retailers. Sometimes you earn points that can then be converted for cash or gift cards.
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See the full picture: savings, debt, investments and more. Smarter money moves start in our app.
16. Sell your gift cards
If you’ve received gift cards you can’t use, there are options to cash them in for real money or sell them. Gift card exchange sites like CardCash may give you up to 92% of your card’s value in actual money.
17. Do a dirty job on your block
Lastly (but not leastly), you could get your hands dirty and make real money. Mowing lawns, detailing cars, removing snow and weeding gardens are just a few categories that continue to be seasonally in demand.
Use sites like Nextdoor or Taskrabbit to find neighbors in need of service work. Local, word-of-mouth gigs can be especially good ways to make money as a kid.