7 Passive Income Ideas – That Aren’t Stocks

Everyone wants more money, but very few people are willing to go get a second job. Most of us can barely handle the first job, much less a second one.

A common thread among these people is passive income. What is passive income? It’s money you can make without having to ACTIVELY do anything to earn it. Sounds too good to be true? It’s not!

Let’s look at some of the ways you can make money without having to deliver pizzas on the weekend.

Real Estate

Investing in real estate is not a new concept, but there are so new ways to get in the real estate game. Most people don’t want to deal with the day-to-day responsibilities of being a landlord or owning offices.

There are some ways you can invest in real estate without having to cut any grass or make any repairs. Fundrise is your place to go.

Fundrise provides an easy way to invest in real estate through REITs (real estate investment trusts). Here is the best part – you only need $500 to start.

You don’t need a million dollars set aside to buy a huge office building. You can start making money on real estate with your Christmas bonus.


The confusing part of investing is picking the investments. It takes a seasoned pro to understand all of the numbers and jargon. A lot of people want to invest their money, but are too scared to try.

If you’re one of them, or you just want to boost your portfolio, give a robo-advisor a shot.

Instead of hand-picking investments, sites use algorithms to manage all of your investment money for you. You decide how much risk you want to take on, they handle the rest.


While we’re talking about investing, we have to talk about peer-to-peer lending. P2P isn’t a new idea, but it’s becoming one of the most popular choices for making passive income.

It’s simple – people need money and you have money to give them. Think of yourself (and usually a group of people) as the bank.

There are A LOT of P2P lending sites, but not all of them are as effective. One of the most popular is Lending Club. You can invest much smaller amounts than other sites require. You can put $25 into a loan.

Write a book

Okay, this isn’t what people think of when they think “passive income,” but you could be missing out.

How is writing a book passive income? Picture this – you’ve finished your book. Put upload it as an ebook to a couple of sites. Now all you do is sit back and watch your investments earn you cash.

If you have a great story to tell or an area of expertise, try and write a book. It won’t be quick cash, but it could seriously pay off.

Cashback Shopping

What better way to make money than by doing something you already do – shop!

If you haven’t heard of cashback apps, you’ve probably been living under a rock. There are tons of cashback sites and apps.

Each of them is slightly different in the details, but the overall idea is the same. When you go shopping, you can take advantage of any offers they have. You redeem those offers, you get cash. It’s that easy.

Important note, cashback apps are NOT going to make you a fortune, but you have to shop, so why not get paid?

High-Interest Savings Accounts

Hopefully you already have a checking and savings account, but savings accounts are known for their ROIs. But there are some banks out there who are changing the way consumers look at savings account.

There are more and more banks operating completely online.

Yep – no brick and mortar locations. All online.

What does this mean to you? They have less overhead which equals better interest rates on your saving account.

If your money is just going to be sitting there, you should make some money off of it. If you put it into a high-yield savings account, there is no risk.

Sure, the interest in a savings account isn’t going to make you a millionaire, but it’s a no-risk investment.

Credit Card Rewards

Credit cards can get you in a lot of trouble if you’re not careful, but they can also be an excellent money-making tool.

When you go shopping, do you swipe your credit card? If you aren’t earning rewards off your purchases (or you’re not using the best card) you could be losing out on some serious cash.

You are going to have to shop. Period. So why not get some cash back or rewards for your shopping?

There are thousands of options. Some cards have higher fees, other have sky-high interest rates, and others have incredible reward systems. You need to sift through all of the bad choices to find the one best for you.

Making Money While You Relax

Money is important. You know this. Who doesn’t want to make more money?

Want to know the best part of all these 7 ways? You can do more than one! You can mix and match.

You don’t have to get a second job to supplement your income. Now, get out there are start making some passive income.

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