12 Real Passive Income Ideas With Little Money

Real passive income ideas with little money? Passive income can be a great way to help you generate extra money, whether you are running a side hustle or just trying to get a little extra money each month, especially as inflation rages throughout the economy.

12 Real Passive Income Ideas with Little Money
12 Real Passive Income Ideas With Little Money

Real passive income ideas with little money can help you earn more during the good times and tide you over if you suddenly become unemployed, if you voluntarily take time away from work or if inflation keeps chipping away at your purchasing power.

Formally, the Internal Revenue Service defines two passive activities:

  • Business activities that do not require material participation
  • Rental activities

Under their definition, passive income can come from things like financial investments such as stocks, mutual funds, and royalties or owning a rental property. In this article, we will see what qualifies as real passive income ideas with little money you can try to start earning.

What is Passive Income?

Passive income includes regular earnings from a source other than an employer or contractor. But if you are committed to the strategy, it can be a great way to generate income and you will create some extra financial security for yourself along the way.

How to Make Passive Income?

When people talk about earning money in your sleep, they are referring to passive income. Traditionally, you would do this through financial investments. Nowadays, many creatives start a passive income stream by creating digital products that they can sell repeatedly.

Here are some things to consider if you want to start real passive income ideas with little money:

  • What kind of upfront investments can I make?
  • Do I have any skills or knowledge that other people may find helpful?
  • How can I automate the process of sharing my skills or knowledge?

Depending on the passive income stream you choose to pursue, there may be things you can do to increase your short-term earnings.

For example, some people who sell digital products will use various marketing strategies to enable more people to discover their products, which leads to more sales in a shorter period.

Others may scale the scope of their real passive income ideas with little money, business with new products that further their initial offerings to recapture an established client base.

Real Passive Income Ideas with Little Money

  • Affiliate Marketing
  • Sell Photography
  • Create Online Course
  • Make Financial Investments
  • Sell Worksheets
  • Create Content
  • Create an App
  • E-book
  • Sponsored Posts
  • Create a blog or YouTube channel
  • Sell Designs Online
  • Sell Templates

Affiliate Marketing

With affiliate marketing, website owners, social media influencers, or bloggers promote a third-party product by including a link to the product on their site or social media account. Amazon might be the best-known affiliate partner, but eBay, Awin, and ShareASale are among the larger names. Real passive income ideas with little money?

And Instagram and TikTok have become huge platforms for those looking to grow a following and promote products. You could also consider growing an email list to draw attention to your blog or otherwise direct people to products and services that they might want.

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Sell Photography

Selling photography online might not be the most obvious place to set up a passive business, but it could allow you to scale your efforts, especially if you can sell the same photos over and over again. To do that, you might work with an organization such as Getty Images, or Shutterstock.

To get started, you will have to be approved by the platform, and then you license your photos to be used by whoever downloads them. The platform then pays you every time someone uses your photo.

Real passive income ideas with little money? You will need photos that appeal to a specific audience or that represent a certain scene, and you will need to tease out where the demand is. Photos could be shots with models, landscapes, creative scenarios, and more, or they could capture real events that might make the news.

Create Online Course

One popular strategy for passive income is creating an audio or video course, then kicking back while cash rolls in from the sale of your product. Courses can be distributed and sold through sites such as Udemy, SkillShare, and Coursera.

Alternatively, you might consider a freemium model building up a following with free content and then charging for more detailed information or for those who want to know more.

For example, language teachers and stock-picking advice may use this model. The free content acts as a demonstration of your expertise and may attract those looking to go to the next level.

Make Financial Investments

Financial investments include a range of options, such as investing in the stock market, mutual funds, bonds, and peer lending, and they require minor follow-up work as they accrue interest. Work with a financial advisor to figure out the best investment options for you.

Sell Worksheets

There are several places where you can upload and sell worksheets online. Typically, the way this works is you create a printable worksheet and upload it to a website like Etsy or Teachers Pay Teachers, where people can pay to download and use your creativity.

Create Content

Real passive income ideas with little money? If video is your medium of choice, you can earn money by uploading your original creations to YouTube and setting your account up for monetization with the YouTube Partner Program.

There is no limit to the types of videos you can create informationally, short films, original music, or even ambient noise, however, there are several requirements to join the YouTube Partner Program, including a minimum number of views and followers.

Create an App

You can passively monetize your creative skills as a developer by creating a mobile app and selling it via the Apple App Store or Google Play.


Writing an e-book can be a good opportunity to take advantage of the low cost of publishing and even leverage the worldwide distribution of Amazon to get your book seen by potentially millions of would-be buyers. E-books can be relatively short, perhaps 30-50 pages, and can be relatively cheap to create, since they rely on your expertise.

You will need to be an expert on a specific topic, but the topic could be niche and use some special skills or abilities that very few offer but that many readers need.

You can quickly design the book on an online platform and then even test-market different titles and price points.

Sponsored Posts

Do you have a strong following on social media such as Instagram or TikTok? Get growing consumer brands to pay you to post about their product or otherwise feature it in your feed.

You will need to keep filling your profile with content that draws in your audience, though. And that means continuing to create posts that grow your reach and engage your followers on social media.

Create a blog or YouTube channel

Take your passion for a subject and turn it into a blog or a YouTube channel, using ads or sponsors to generate your income.

Find a popular subject, even a small niche, and become an expert on it. At first, you will have to build out a suite of content and draw an audience, but it can create a steady income stream over time, as you become known for your engaging content.

Sell Designs Online

If you have design skills, you may be able to turn them into a money maker by selling items with your printed designs on them. Businesses such as Café Press and Zazzle allow you to sell items such as T-shirts, hats, mugs, and more with your designs.

Sell Templates

If you enjoy creating digital organization systems in programs like Microsoft Excel or Notion, you might be able to sell your templates. Many people monetize their creations on Etsy or other online marketplaces.

FAQs – 12 Real Passive Income Ideas With Little Money

How much money can I earn from passive income?

Passive income spans a big spectrum. Some people make a few bucks each day, and others make $100k each year. It depends on the passive income channels you choose and how much time you put into them.

What is the easiest source of passive income?

The easiest source of passive income could be investing in dividend stocks. These stocks offer payouts each quarter just for buying and holding them. If you want to build a business that provides passive income, affiliate marketing would be a good route for you.

What is the most profitable passive income?

There are many different ways to generate passive income, and what might be the most profitable for one person might not be the most profitable for another.

Some of the most common ways to generate passive income include real estate investing, dividend investing, and owning a business.

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