It's always good to not only seek financial freedom, but to achieve it, and when you can make a few extra coins from the comfort of your own personal laptop or computer, that's even better. The options online might seem endless, but there are a few things to consider before pursuing a money-making venture or opportunity that is solely based online. It's telling that recent Pew Research Center findings show that 24% of Americans reported making money from a "digital platform economy." And by 2023, the projected gross volume of the digital-based gig economy is expected to hit more than $450 billion.
If you haven't already jumped into an online-based side hustle, business, or career and you're still looking for more reasons, we offer 10. Check out how to make money online, with a key emphasis on fun and savvy:
1. Sell, sell, sell.
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We're not talking about posting photos of your current living room furniture in a last-minute plight to get the rent money here, either. (That's definitely not fun, and oftentimes it's more frustrating than successful). Let's take things a step further. We're talking about offering creative works such as art, crafts, graphic works, fashion designs, photography, or templates. We're talking about trading stocks or selling products and services you actually love and care about. And you don't have to reinvent the wheel here. Try platforms like Shopify or Etsy that take the legwork out of website design and e-commerce tools, try affiliate marketing, or sign on to be an online influencer or team seller for your favorite brand.
Of course, you can still also make money as an online sales professionals for major companies including Google, GrubHub, and Neiman Marcus, making up to $84,000 a year.
2. Become a consultant.
True, there are a lot of coaches and consultants out there, but why not use the skills you've built working at your 9-to-5 or earning degrees to help individuals, small businesses, entrepreneurs, and nonprofits? You would be hired to pinpoint an issue, analyze a problem, and offer solutions via a projected plan, and you can offer these skills via your own free website (try Wix, WordPress, or About.me). You can also use Instagram, YouTube, or Facebook to showcase your knowledge, build community, and attract clients, or you can work from home for companies who need to fill this role. Oftentimes, you don't even have to be the person executing the solutions plan. You're just the mastermind.
And please think outside the box on this in terms of what this could look like for you (i.e. using your graphic design skills to consult on a new logo or website rebrand or your journalism degree to offering project management consultations for church blog projects).
3. Build community and capitalize.
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If you're a creative or personality who loves to build a vibe, who has a specialized skill, who caters to a niche crowd, or who is passionate about a specific issue, this is perfect because you can use your passions and unique abilities in a variety of ways. Brands and nonprofits will actually pay you to not only expand their audiences and draw more people to their products, causes, and services, but they will pay you for access to the community that you've built through your own content creation or creative direction.
They will also pay top dollar for the skills of creators who are able to tap into markets they've had difficulty reaching or who have the skills, methods, and tools they do not have. You'll want to be sure that the missions and values of any brand or org you work with match those of your brand and community, of course. So get those creative projects, advertisements, vlogs, and photoshoots out of your head and on somebody's computer or smartphone! You could rock out to making thousands of dollars if things pan out. You don't necessarily have to be an "influencer" with thousands of followers either. If you're savvy, great at showcasing who you are online, and are able to market yourself via pitch competitions, job openings, or meetings, you can still do this and be successful.
Major companies also pay a pretty penny for full-time community engagement roles, to the tune of up to $98,000 per year.
4. Learn coding, web design, or digital graphic arts.
Again, this is all about doing things you actually enjoy, so if you're not into creating beautiful imagery, concepts, animation, apps, digiprints, or games online, go ahead and skip this one. Also, you don't really have to know the ins and outs of programming or tech to do some of these jobs. Some successful app builders and game creators, for example, actually outsource the parts of the process that they're not great at (or have no interest in doing), so if you have a concept and want to bring it to market, go for it!
Digital graphic arts can be used for a multitude of things (like how this artist uses them for apparel), so, again, think outside the box on how these skills can be used to make money. If you want to brush up on your DIY design skills or simply want to learn something new in order to monetize coding, try Udemy or Codecademy and then flip that into your piece of the $100,000 per year salary pie for a career change.
5. Rent or source valuable spaces or items.
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This makes sense for someone who has a fabulous home, backyard space, garden, garment or shoe collection, or office and has the flexibility to offer such items and spaces to others for a fee. The fun factor: Managing and witnessing how your spaces and items can be the cool-factor catalyst for events such as photo shoots, weddings, birthday parties, anniversary dinners, or ad campaigns. Your home could be the backdrop of a fabulous Halloween shoot (like this one Janelle Monae shot at designer Dani Dazey's spot) or you could source fab items for campaigns or projects (like how this power couple of Blk Vintage did for Issa Rae's Insecure.) This might be more of a hybrid offline-online gig, but it can still provide the time and creative flexibility you crave with the major aspects of operation being web-based.
6. Get into gaming.
Yes, you can get paid to play games, and though there's a lot of spam out there in terms of information on legit companies, you can find legit opportunities to make money this way. Try popular platform Twitch (and don't forget to read the rules and get to know the tax implications of earnings or donations) or you can try apps that pay you for how much time you spend fooling around with a game. (Check out reviews and do your research before downloading or participating.)
Another avenue is to create a YouTube channel---where all you do is test out, review, or simply play games---and build an accompanying Patreon where viewers can offer donations or pay for memberships to view specialized content.
7. Create adventures for others.
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For outgoing types who still want to be able to tap into the introvert who would rather work online, making life that much more interesting for everyday folk by creating experiences or adventures is ideal. Airbnb offers a platform for doing this, but you can also set out on your own to create private picnics, plan parties, lead excursions, coordinate trips, or add to the offerings of others who provide specialized goods and services.
Take a nod from this entrepreneur, who offers exotic fruit tastings in Montego Bay, Jamaica, for example. If you're not into actually managing experiences or dealing with people, you can be the creative thinker and coordinator to turn dreams into reality, for a fee, corresponding only via the web and offering packages.
8. Chef it up.
A love for cooking, creating dining experiences, or providing diet and nutrition insights is a must for this one, and you can provide all of this from the comfort of your home. If you like vegan food, have a knack for creating recipes in a way that no one else has, know a thing or two about food chemistry or nutrition, or simply want to provide a space for the content you want but don't see, get up and offer it. You can make money selling recipe downloads, meal plans, or virtual consulting, and you can cultivate a client base that you're passionate about. You can also become a virtual nutritionist, food specialist, or culinary teacher. The online food community is growing, so get in where you fit in.
9. Build in a dance or fitness platform.
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Sis, don't sleep on this. Billboard reports that the global dance music industry raked in $3.4 billion in 2021, and the fitness industry has reportedly hit almost $100 billion. We're not about that scarcity mentality over here, so there's clearly money to be made. If you love to dance, have experience, or just love to stay active and see results, this might be perfect for you. Go ahead and offer virtual classes, start that YouTube, or get into a gym or private space of your own. You could even host via sites like Zoom, Skillshare, and Teachable are great places to start. (You could even try OnlyFans if you dare.) Read the fine print on profit percentages, usability, and additional features like membership management.
10. Just sit...
Nah, not that, sis. House or pet sitting can not only be fun, but it can offer some spice to your life in terms of the opportunity to experience new things and diversify those experiences. Platforms like Nomador and Housecarers have been raved about among the OG house sitter tribe, and for the pet lovers, there are sites like Petsitters or Rover. You can also take a look at Care or TaskRabbit to find gigs. If you're living that nomad life, just want a chance of routine or scenery, or want to enjoy the company of an animal without the commitment—and get paid for it—this is worth a try.
For more job search tips, career advice, and profiles, check out the xoNecole Workin Girl section here.
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RELATED
Whether you're planning to meet a certain financial or fitness goal, or you're simply trying to maintain and build on the progress you made this year, having something to look forward to is always a good look. Setting actual goals, according to research, actually leads to more success than just playing things by ear. So here are a few to get you started, sis:
(Disclaimer: Not everything is for everyone, so do like my Granny always says: "Eat the meat. Spit out the bone." Take on five out of the 40 and focus on that for the remainder of the year, or do them all. Either way, this is just to get you started.)
40 Ways To End The Year Strong and Inspired
Money Moves
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1. Increase your retirement (or other savings/investment) contributions by 1%.
Experts have found that you could be leaving money on the table by not upping your contributions when you can.
2. Cancel two to five subscriptions.
You could be missing hundreds, even thousands, of dollars a year due to sneaky price hikes and "updates."
3. Create a "fun" in a high-yield savings account.
This is especially important if you struggle with the dreaded b-word (budget) and will make next year's efforts a lot less intimidating. Even if it's $10 a month, do it.
4. Put on your big-girl panties, and set up automatic transfers and payments for at least one bill.
It reduces the stress of managing bills, lessens the chance of a missed payment---and the fees that come with that---and there can be cost savings for doing so.
5. Invest in a cleaner or housekeeping service.
Bosses who value their time (and mental health) invest their dollars into areas where the time they'd spend doing those tasks themselves could be better used to focus on other money-making projects. (And yes, rest is part of that.) Get a housekeeper, sis, or drop off that laundry, even if it's once per month.
6. Donate to a charity.
Beyond the tax benefits, it's a win-win for the greater good of communities you care about.
7. Review your insurance policies and negotiate a better rate (or move on) before their end dates.
Experts often agree this is a small but mighty step to take each year, especially since insurance rates are competitive, you could be spending more money than you need to (or not enough) and your insurance rates can affect your mortgage payments.
8. Call your loan provider and refinance.
As interest rates fall, “millions of borrowers may be able to refinance and get more affordable payments. As interest rates eased down to 6.5%, about 2.5 million borrowers could already refinance and save at least 75 basis points (0.75%) on their interest rate,” the Consumer Financial Protection Bureau reports. You can also refinance student and other types of loans.
9. Stop buying individual items and stock up via going bulk.
Research has found that, among 30 common products, buying in bulk could save you 27% compared with buying in lower quantities. Water, paper products, and baby products like diapers, toiletries, and garbage bags are the top items where people see the most cost-effectiveness. (This has been a lifesaver for me—children, large family, or not—especially when it comes to toothpaste, deodorant, toilet paper, and feminine hygiene products, saving stress, time, and money.)
10. Go cash-only for the holidays.
If you set smart goals and stick to limits on things like gifts, going out to eat, or groceries, you'll see the benefits of this. Cash-stuffing is one method recommended, but something as simple as taking a $10 bill out for lunch, disabling that card for an hour, and leaving your card in a safe place at the office can give you that mindset jump start to see how far you can take your money without the need to splurge.
Love And Romance
11. Say "no."
There are clear mental and physical health benefits to saying no including the setting of healthy boundaries, creating time and energy for other self-care activities, and protecting yourself from physically harmful situations (i.e. unprotected sex or abuse). Just say it, clearly and simply, when you need to.
12. Set a fun, free, adults-only date night for once a week or twice a month with your spouse.
If busy, high-profile folk have touted the success of this, even you can make the time for quality time with your partner. And it's even better when it costs nothing. The best connections are made doing something chill, challenging, or outside the usual dinner-and-a-movie date. Play a game that allows you to reconnect, take a walk in your neighborhood to chat and laugh, or try a little erotic chocolate/edible liquid/paint episode a la Mea Culpa.
13. Go out with Mr. or Ms. "Not My Type."
I love my man, but if I were waiting out for my "type" at the time, we wouldn't be celebrating seven (going on eight) years together. Sometimes having strict, unrealistic expectations for a spouse (especially related to things like height, physical features, or career path) is what's keeping you alone and lonely.
Take the pressure off and explore all your options. I'm not telling you to stop popping the balloon on the guy who earns $20,000 less than you if that's a hard no that Jesus himself told you to skip. I'm asking you to explore other options and see what else God might have out there for your love journey.
14. Immediately apologize and pray together.
I've learned that always being "right" isn't always ideal when you truly care about someone and you're in a relationship for the long haul. Defaulting to an apology when necessary, even when things aren't 100% resolved, is a good way to prioritize peace and save your energy for more worthwhile battles. Research has even supported the benefits of apologies in relationships, and how couples married for five or more years do it often.
15. Get a Rose and discover true self-love.
Do I really have to explain this? You've gotta know what satisfies you, and how better to figure that out than to practice self-love in the bed by yourself? You can also try this with a partner, but as a woman who got on this train very much later in my sexual activity journey. I have a lot more learning to do on my own, and even in a satisfying relationship, I like to find out new things about myself, by myself.
Figure out what you're into, watch what you want to watch, and read what you want to read to define pleasure for yourself. There's a freedom and empowering element there especially if you're used to prioritizing pleasing your partner.
16. Be direct and have the "money talk" with bae.
Money issues are one of the leading causes of divorce, so you need to have those conversations before you even think about marrying someone. And true, nobody can predict the future so you won't be able to avoid some challenges altogether, however, talking with your potential spouse about how they view money, their spending habits, and the pain points in terms of their approach to money management can at least give you a glimpse into what's in store if you do walk down the aisle, move in with them, or decide to share a bank account/business/child with them.
17. Invest in the "paid" version of that dating app.
I know plenty of successful, married folk who did this and met "the one" as a result. Let's be honest: The free version is for playing around. I had a lot of fun with my "free" profile back in the day, trust me. Upgrade that photo, profile, and package, and see if the quality of your dating adventures changes when you're serious about finding a true partner. Dating coaches and matchmakers cosign this.
18. Solo travel to meet that long-distance connection.
Sometimes, your perfect match isn't within 100 miles of you, and that's okay. Make it an adventure, enjoy the memories, and book that ticket. I met my man this way and it's been a whirlwind escape ever since. If you're not comfortable traveling solo, travel or (network to plan travel) with a group via Facebook.
Career And Business
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19. Schedule coffee or virtual meetups with smart people from your graduating class, previous employer, or current employer.
I have gotten many freelance opportunities by doing this. It's as simple as connecting and offering value (or simply learning how you can better equip yourself to do so.) It's also a great way to expand your network, spark new friendships, or find out about new job opportunities.
20. Invest in a well-made suit.
I don't care what industry you're in, a suit says "power," and it's not as old-school or out-of-style as you'd think. Plus the whole experience of looking for a new one (or getting one tailored) is fun and affirming. Try these options. I swear, anytime I wear a blazer, I'm treated like a celebrity or boss, especially when traveling. I was once upgraded to first-class wearing a yellow blazer outfit, and the airline professional literally said, "You look like somebody important. Here you go."
21. Volunteer for a worthwhile project or cause that's important to your company.
If you're overworked and underappreciated, skip this one, but if you truly have the time, love what you do, and want to advance, this move is clutch. Volunteering for extra projects got me where I am today in media because I had foresight, and knew that was the only way at the time to leverage relationships, and I was able to challenge myself to learn skills that 20 years later are still bankable. That VP you can't get a meeting with will be at that gala your company is planning, so join that committee, sis.
22. Write down why you deserve a raise and ask for it in your next one-on-one.
Gather those receipts (ie sales increase numbers, KPIs met, deals closed, people acquired via recruitment, the impact of systems updates, or other tangible success metrics) and ask for that raise before the first or second-quarter budgets are being finalized.
23. Instead of quitting, write down your exit plan.
While revenge quitting is set to be a thing next year (and maybe you're among those who will be leading the trend), try the better boss move and quit with a real plan.
24. Start automatically separating that estimated self-employed quarterly tax estimate.
If you have side hustles (or you're collecting 1099 income,) baby, you do not want to neglect those quarter tax payments. Talk to a professional, do your research, and set up automatic transfers to an account specifically for paying these at the appropriate due dates.
25. Sign up for a free one- to 11-week course related to your industry—or the industry you want to be in next year.
Institutions like Harvard University and platforms like Coursera offer free courses that can enhance your skills. You can also invest in certificate courses with accredited colleges as well as tech training.
26. Hit "Easy Apply" for 10 dream jobs listed on LinkedIn.
While you shouldn't solely rely on this when actively job-seeking, using this convenient LinkedIn option is a great way to get into the habit of applying for positions. And if you're already employed, you should still be "dating" other employers if you're looking to make a move in the next six months. Keep your interview skills sharp, practice toughening up for the "nos," and get a bit of an ego boost in the process.
Self-Care And Wellness
27. Pre-schedule three month's worth of massages.
Oftentimes this is cost-effective since some spas offer deals for multiple bookings. Also, it makes an act of self-care deliberate and important, not an option. When you get that reminder call, you'll know it's real.
28. Fire that therapist and try another one.
Cultural competency in mental health support is one major problem that can hinder Black women from even bothering with therapy. And who wants the added stress of spending multiple, paid sessions explaining why something is a microaggression? Cut the cord and move on to try someone else, either via a Black women therapists channel or recommendations from others.
29. Join a small group at church.
Bedside service ain't gonna cut it and neither is going to the usual Sunday service. Join a smaller group and upgrade your efforts to connect, network, and elevate spiritually. Even if virtually, take a step to dig a bit deeper with more targeted Bible study and discussions.
30. Say no, even to loved ones.
This is on here twice, for a reason. Saying no is the simplest, most powerful micro-action you can take today to make 2025 better. No explanations. No guilt. Say no.
31. Choose one "luxury" beauty product for skincare and stick to it.
This was trending big on social, especially for millennials hitting their 40s. There's just something so freeing about not giving in to every trend and sticking to the basics that work, especially when there are quality, healthy ingredients involved. Put those orders on auto-renew.
32. Sign up for a new sport or fitness class just for fun, not for results.
It's great to be on a weight-loss or weight-lifting journey, but try something just for the fun of it. Switch things up with a couple of these fitness activities.
33. Book a staycation.
Leave the passport at home and explore a nearby community or another town in your state. There's so much enrichment in your own backyard right here in the U.S., and you don't even have to break the bank.
34. Pre-schedule your mammograms, Pap smear, and peri-menopause checkups for next year.
Take control of your health by pre-scheduling essential appointments like mammograms, Pap smears, and peri-menopause check-ups for 2025. Prioritizing these screenings early ensures you stay on top of your wellness and make time for self-care in the new year.
35. Cut off support of beauty and wellness professionals whose customer service is below standard.
This is another one that many Black women have been vocal about—from unrealistic pre-appointment requirements, to booking fees, to long waits, to unsavory in-salon experiences. Spot the red flags early, and just stop accommodating foolishness. Support salons or experienced stylists who are kind, have proper systems in place and value your time.
36. Schedule five to 10-minute moments of silence on your calendar.
Again, wellness is not optional, and if it's not on my calendar, it's not official. Sit quietly. Pray. Meditate. Or do nothing. The benefits of silent moments are almost endless.
37. Download a meditation app.
If you've found that meditation is difficult to schedule or to even start, an app can help. Try this, this, or this one, and take that step to embrace something new to enhance your wellness routine. If you're tired of downloading apps, create a playlist for meditation via Amazon Music or Spotify and schedule a reminder to do it once a day or week.
38. Invest in a healthy meal prep or delivery service.
Time is emotionally expensive, so save as much of it as possible. Getting into meal prep to keep to your goals is a great way to save time, stress, and effort. The health benefits of meal prepping have also been proven via research.
39. Create a positive playlist on Spotify, Amazon Music, YouTube, or other streaming platform.
It can be podcasts, music, affirmations, or somatic sounds. It's a game-changer. You can even set an alarm to wake you up to start your day with the positive playlist. Not into creating your own? There are plenty to choose from with a quick search.
40. Set up reminders for Alexa (Siri or other AI) to remind you, "You are loved," and "You are okay."
This simple effort can boost your endorphins and remind you that you're indeed, not alone, and you will be okay, regardless. To set mine up, I simply commanded, "Alexa, remind me everyday 'Jesus loves me,'" and like clockwork she does. She almost scared the ish out of me one day when I'd forgotten the reminder was active, but it was the reminder I needed when anxiety had gotten the best of me that week.
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