Guide on Spending and Saving: Ways to Make Money Online and Offline

Living comfortably and having long term financial security is the dream. However, it is a constant struggle to find money-making activities to help you get there. Don't worry, if you have been wondering how to make money online (and offline), you are in the right place!

Earning Money in 2021 

Are you in need of some extra cash to pay your bills? Or are you looking for a part-time gig you can eventually pursue full time? The first thing to consider is whether you want an online or offline opportunity.

Making Money Online

In today's world, all you need is a stable internet connection and time to earn a decent living. In the best cases, you can even get rich. Here are some of the top options for earning good money online.

Start an affiliate marketing website

People love getting recommendations. This is where affiliate websites come in. What you do is choose a niche, produce quality content, including recommendations. Then, attach affiliate links to products, usually via Amazon. When someone purchases through your link, you earn a small commission.

Create a blog or be an influencer

If you love writing and sharing information, a great way to earn an income is by blogging. To start, find your main topic, preferably something you are passionate about. Then produce great content and build your audience.

Eventually, the income you generate from the site can come from advertising, selling products, partnering with brands, or selling your own digital products like courses or e-books.

Nowadays, bloggers also broaden their range to being social media influencers. You can make money from producing content on Facebook and Instagram, as well, especially with brand partnerships and promotions.

Create an e-commerce website

In recent years, there has been a boom in e-commerce, and selling online has been so much easier. With websites like WordPress, Shopify, or WooCommerce, it is easier to bring your products to a broader market.

If you manufacture your own product, you can balance small business physical stores with an online store. You can also opt to start with an online consignment store with a bigger site. If you don't have your own original product, you can also choose to be a product reseller and earn from markups.

Become a freelancer through online sites

If you have highly marketable skills, a good strategy is to start freelancing. Many platforms like Upwork, Freelancer, Fiverr, or Guru are always on the hunt for a person considered to be an expert in their field. These sites are also filled with people who don't have more time and need to outsource their work. By building a profile, you can also add more people to your client base.

Sell your photos

Do you have a knack for photography? You can get paid for doing what makes you happy. The world is always in the need of more stock photos. You can sell your work to sites like Getty Images and make money from your hobby.

Start a Youtube channel

Another way people make money is by vlogging, mostly through Youtube. The video streaming platform garners billions of views every day, and they reward their creators by placing ads before their videos and letting them earn from it.

Youtube has created superstars like PewdiePie, Zoella, and Jeffree Star, so the general public now sees the platform as a money-making machine. But, Youtube fame takes lots of work, so you should make sure to be ready before you jump into the adventure.

Answer online surveys

Looking for easy money in your spare time? One tried-and-tested strategy is answering surveys. This might not be a way to get a lot of money, but you can receive fast cash, coupons, and gift cards as rewards. Some famous survey sites are SurveyJunkie, Swagbucks, and InboxDollars.

Making Money Offline

If you are not the type to spend a lot of time online, there are still tons of money-making opportunities you can pursue offline.

Work as a tutor

There must be thousands of students in every community and a large percent of them need help in some subjects. If you are particularly good at something, you can always share your knowledge and charge sessions per hour.

Rent out a spare room or your home

If you have extra room in your home, you can rent out space to a full-time tenant or for short stays through a site like Airbnb. The income you get can be used for household expenses or mortgage payments.


Ask people how they generate more income in their busy lives and they'll tell you to invest. For this, you have the option to go with stocks, bonds, high-interest accounts, real estate, cryptocurrency, or peer-to-peer lending sites, to name a few. Just be ready to do a little research before you jump into any investment opportunity.

In this option, you can get paid through interest or dividends. If you're looking to make a savings plan for the future, this one will be a perfect choice.

Saving Money in 2021

Aside from increasing your cash flow by exploring ways to earn money, you can also be in better control of your finances through saving. Saving can help you secure your future, be safe in case of a rainy day, and be prepared against whatever life may throw at you.

If you are a little intimated about how to start saving money, here are a few things that can help you get started.

Being Deliberate About Purchases

One thing that can prevent someone from saving money is being out of control in their spending. This is where being intentional and deliberate about purchases come in. If you want to make your financial goals, you should start with practicing buying only what you need and not what you want.

Tracking Expenses Manually

Taking note of everything you spend can seem like an excruciating activity, but it is the best way to understand your behavior and eliminate wasteful spending habits. By doing so, you open doors to control back and lead you on the road to saving money.

Focusing on Paying Off Bills and Debt 

If you want to get your savings secured, one of the best things you should prioritize is paying off your debt first. The problem with debt is not paying them on time will lead to additional spending, because of interest, fees, and charges. If you don't want to waste your hard-earned money, focus on paying on time regularly.

Frequently Asked Questions

Is it possible to make money online? 

There are countless ways you can earn money online. To get started is to think about where you are good at and find the right online platform where you can monetize that. You can find a side gig, sell products, and explore passive income opportunities online.

What are some actionable steps I can take to save money? 

Saving money is a lifelong process, but you can start with the following:

  • Creating a budget
  • Tracking your expenses
  • Paying off debt
  • Open a separate savings account

If you want to know more about saving and investing, check out the rest of Any Credit today!

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