MILAN — When Chef Eric Adjepong discussed the building blocks of his first home collection, he slipped and said he used Ghanaian ingredients to make his first home goods collection with Crate & Barrel.
“I meant materials — Ghanaian materials,” he exclaimed a second afterward.
Indeed, switching hats from the head of the kitchen to the head of design was a big change, but a welcome one. “I like the idea that these items can last forever,” as opposed to his eclectic dishes that last seconds on the palate, he said.
The 36-year-old chef and host of Food Network’s “Wildcard Kitchen”decided to return to his parents’ homeland to build this collection. “It was more than a homecoming — it was a discovery,” the first generation Ghanaian American said.
Related Articles
Upon arrival in the village of Bolgatanga, he was greeted by a mini parade with music, dance and food. It was there where he came into contact with the region’s basket weavers, who showed him the entire process of Bolga basket weaving.
Bolgatanga, which is situated in northern Ghana, is a heartland of genuine Bolga baskets, which are exclusively woven by the Indigenous Gurune or Frafra people. Weavers collect beta vera straw, which is subtracted from the top of the grass, and they then leave the roots to grow.
Other products in this vibrant collection were inspired by the Ashanti Empire, which was founded in 1670 and impacted much of the modern culture of the dynamic region.
With more than 60 pieces of cookware, glassware, serveware and decor, the collection includes a Ghanaian-made market tote; the Didi Ketoa appetizer plates inspired by West African bead work; the Sobolo glass punch bowl with a green marble base, and the Akan-inspired Nkwanta Hammered Brass Punch Ladle, also indicative of the region’s artisan traditions.
The first of his family to be born in the U.S. from Ghanaian parents, Adjepong said growing up in New York City made him bold and that growing up around Albanian, Puerto Rican, Jewish, Italian, West African and Caribbean cultures greatly influenced his cooking style. Still, he’s been drawn to Ghana and travels there at least four times a year. Accra, a booming cultural hub for Afro Beats, art and fashion, is also a burgeoning pulse for both the kitchen and the design worlds, he said.
Crate & Barrel and Crate & Kids senior vice president of product design Sebastian Brauer said when contemplating new partnerships, the firm has an eye out in “special corners of the world” on what’s resonating with communities and audiences beyond just the design world, from cooking to music, technology and fashion on an international scale.
“When chef Eric’s team approached us, we saw a powerful opportunity to bring his first kitchen line to life. We worked intimately with him to celebrate his West African heritage and multicultural New York City roots and combined that with his talent as a chef with Crate & Barrel’s timeless and global design approach, to create functional pieces…,” he said.
A rising star in U.S. television, Adjepong is known for his success in bringing West African cuisine into the mainstream culinary conversation. Following experiences in several Michelin-starred restaurants, he entered the “Top Chef” circuit and was featured as a finalist on season 16. On Food Network, he has made appearances on “Selena + Chef,” “Chopped,” “Guy’s Grocery Games,” “Supermarket Stakeout” and “Tournament of Champions.” He also has a degree in culinary arts and nutrition from Johnson & Wales in Rhode Island and a masters degree in public health in international public health and nutrition from the University of Westminster in London. On Wednesday he became the Save the Children’s newest global ambassador, joining fellow celebrities Jennifer Garner, Camila Cabello and Dakota Fanning.
Eric Adjepong for Crate & Barrel’s exclusive collaboration will be available in-stores and online at Crate & Barrel from Thursday.
Crate & Barrel’s fashion-forward sister brand CB2 is also reaching further afield, scouting designers and collaborations with compelling storytelling. Last month its Black in Design Collective launched by artist and designer Evan Jerry, added leading Niamey, Niger-based architect Mariam Issoufou Kamara and Lagos-based designer Nifemi Marcus-Bello to its roster.
Do you want to learn how to move out at 18 with no credit, little money, or even no money? Here’s what you need to know. There are many reasons for why you may want to move out at a young age – perhaps you have a difficult home life, you want to move somewhere…
Do you want to learn how to move out at 18 with no credit, little money, or even no money? Here’s what you need to know.
There are many reasons for why you may want to move out at a young age – perhaps you have a difficult home life, you want to move somewhere new, or you just want your own space.
I moved out shortly after turning 18 (about a week or so after my 18th birthday) into a rental home, and while I was not prepared at all, I do think being prepared to move out at a young age is extremely helpful. I made many mistakes that led to many, many tears, money wasted, stress, and more.
Today, I want to help you avoid as many problems as you can.
After all, moving out at 18 years old (or any other young age) is already really hard, and there is such a huge learning curve.
Moving out when you turn 18 is a big step into becoming an adult. Even though it can be exciting, moving out for the first time needs to be planned carefully. Before you leave, it’s important to make a plan to make sure you can afford it and stay on your own.
This means finding a job, making a budget you can stick to, and saving money for unexpected costs.
How To Move Out at 18
Below are ways to move out at 18.
Recommended reading: Buying a House at 20 (How I did it)
Make a plan to move out at 18
I highly recommend having a plan if you want to move out at 18 years old.
Moving out at 18 is a big step, and making a plan will help everything go a little more smoothly.
You will want to think about things such as:
Where you will work
How you will pay your bills
If you will live with a roommate or on your own
What your budget will be like
What you’ll do if things get tough, such as if you can’t afford your rent
What you will do for health insurance and medical bills
And so much more.
I will be going further in-depth on many of these below.
Find ways to make money
If you are 18 and want to move out, then you will need to have a stable source of income, of course. There are many options for earning money, from traditional jobs to more flexible side hustles.
A full-time job typically gives you more hours and benefits like health insurance, which are helpful when you’re living on your own. If you have other things going on, a part-time job might be better because it offers more flexibility while still giving you money (but, you may not earn as much money). You can find job openings online, at job fairs, or on community bulletin boards. Jobs like delivering food can be either full-time or part-time, and companies tend to need people.
If you want to make more money, you can side hustle to make extra income – a way to make extra cash that you do alongside your main job. You could freelance by doing things like writing, teaching tutoring lessons, or designing graphics. Or, you could babysit for families nearby, walk dogs, or help people with tasks or errands. These little jobs can add up to a lot of money and give you the flexibility to work when you want.
When I was young and first moved out, I worked full-time at a retail store. I also eventually started a few side hustles (like blogging, freelance writing, and selling stuff online) so that I could pay off my student loans quickly. Living on your own is not easy, especially when you are young and your income is not that high – so side hustles may be needed so that you can make enough money to pay your bills.
Some helpful articles to read include:
Create a budget
When you’re ready to step out into the world at 18, you need a budget. I can’t think of any young adult who would not need a budget.
Budgets are great because they help you keep track of your money coming in and going out. With a monthly budget, you’ll know exactly how much you can spend on different things each month as it helps you see how much money you have and where you might need to cut back on spending.
A budget will help you to figure out if you can afford to live on your own, if you need to have roommates, or if you need to find a cheaper living arrangement.
Making a budget is easy. First, write down how much money you make each month from your job or other places. Then, write down what you need to spend money on each month, like:
monthly rent
food
phone bill
internet
car
fuel
utilities like electrical, water, trash, sewer, gas/propane
car insurance
medical/health
pet care
restaurants
cable, satellite, or any TV monthly subscriptions
household essential items, like toilet paper, trash bags, etc.
and some money for fun stuff too
Knowing your monthly expenses will help you to better manage your money so that you won’t go into credit card debt.
Recommended reading: The Complete Budgeting Guide: How To Create A Budget That Works
Save for the move (and open a bank account)
When you’re getting ready to move out at 18, saving money is obviously very important. If you can help it, I do not recommend moving out with no money saved.
Think about all the costs you’ll face – like rent, your first security deposit, food, and any unexpected things that pop up. You’ll want to tuck away money for this.
How much should you save to move out? A good rule is to save at least three to six months of living expenses. For example, if you spend $1,500 a month, aim to save between $4,500 and $9,000 before you head out on your own.
This will be your emergency fund. An emergency fund is money you save up for unexpected things that might happen. This could be paying bills if you lose your job or if your hours or pay get reduced. It could also cover unexpected expenses like a car repair, medical bill, or fixing a broken window.
An emergency isn’t something like buying a birthday present, a new TV, or going on vacation.
Having an emergency fund is smart because it can stop you from getting into debt you don’t need. Some people rely on their credit cards for emergencies, but that’s not a good plan.
I also recommend getting your own bank account for all of the money you save. It’s a safe place for your money, and it helps you track what you earn and spend. Plus, you’ll need it for things like direct deposit from jobs or paying bills online.
I personally use Marcus by Goldman Sachs for my savings account as they have a very high rate. You can get up to 5.50% at the time of this writing through a referral link bonus. According to this high-yield savings account calculator, if you have $10,000 saved, you could earn $550 with a high-yield savings account in a year. Whereas with normal banks, your earnings would only be $46.
Improve your credit score and history
When you’re moving out of your parents’ home, having a good credit score is super helpful. This is because your credit score and credit history may be used for things like getting approved for an apartment and getting signed up for utility bills.
If your credit score is low, then you may be denied an apartment and even have to pay large deposits to get signed up for utilities (like water and electric).
Here are some important things to know:
Understand credit utilization – This is all about how much credit you’re using compared to how much you have. Try to use less than 30% of your credit limit. Say your card has a $1,000 limit. Aim to spend no more than $300.
Always pay on time – You should pay every bill on time, every time. Even being a little late can hurt your credit score a LOT!
There are other ways to improve your credit, such as by getting a secured credit card or becoming an authorized user on a family member’s credit card.
Here are two really helpful articles I recommend reading:
I also recommend keeping an eye on your credit by checking your score and report. Sites offer free checks, and it’s good to know where you stand. That way, you can fix any mistakes fast.
Think about where you’ll live
When planning to move out at 18, picking where you’ll live is a huge step.
Here are some things to think about:
Think about who you’ll live with. Living by yourself can be expensive so sharing rent and other bills with roommates can save you money, but make sure you choose your roommates wisely. You’ll be sharing your space with them, so it’s important to pick people who are responsible and trustworthy (and will actually pay the bills!).
Try using online tools to compare different areas. You can check things like crime rates, public transportation options, and how close they are to places you need, like grocery stores.
Think about the cost. Can you pay the rent and utility bills every month? Make sure to include these costs in your budget. Sometimes, living a bit farther from popular areas can be cheaper.
For my first home, I rented a very small 400-square-foot home with no real bedroom. But, it was within my budget and next to my college (I lived a few miles away), and surprisingly affordable.
Talk to your parents
When you’re getting ready to move out at 18, it’s important to have a conversation with your parents. This might feel hard or even impossible, but remember that clear communication is important.
I recommend choosing a time to tell them when your parents aren’t too busy or stressed as having this conversation when everyone is relaxed can make it easier for everyone to talk openly.
I think it is also helpful to think about how your parents might feel. If you’re the first to leave the home, they might find it tough. Try to understand their perspective and mention that you’ll stay in touch and visit.
And, be ready to show them your plan. Your parents will want to know you’ve thought things through. If you’ve been saving money, let them know. Talk about your job and how you’re managing to support yourself. It’s good to tell them about the place you’re planning to move into and how you chose it.
How to move out of your parents if it isn’t safe
So, after reading the above, I know that some of you may not have a good home life. You may not feel safe telling your parents that you are moving out.
If that’s the case, then I recommend reading this section.
Sometimes, home isn’t the safe place that it’s supposed to be. If you’re in a tough situation and need to leave at 18 but can’t talk to your parents about it, you’re not alone.
Here’s what you can do:
Find an adult you trust – Look for someone you trust, like a teacher, counselor, or family friend. They can maybe give you support and help you figure out your options.
Plan ahead – Start thinking about where you’ll go and how you’ll support yourself. Look into shelters, transitional housing programs, or staying with a trusted friend or relative.
Know your rights – As you turn 18, you have rights. Learn about your options for housing, education, and employment because there may be resources available to help you.
Stay safe – If you’re in danger at home, prioritize your safety. Contact local authorities or organizations that can help you leave safely.
Take care of yourself – Moving out can be tough, but remember to take care of yourself emotionally and physically, such as by talking to friends, finding support groups, or talking to a counselor if you need to.
Leaving home at 18 without being able to talk to your parents is hard, but it’s not impossible. Reach out for help, make a plan, and remember that you deserve to live in a safe and supportive environment.
Get free stuff for your new home
One of the big challenges of moving out on your own is affording all of the different things that you need.
Luckily, there are ways to get things for free or really cheap.
Some of the top ways include:
Facebook Buy Nothing groups – This is my favorite place to start if you want to get things for free. These groups promote recycling and reusing items instead of throwing them away when you’re done with them. To begin, look for and join a local Buy Nothing group on Facebook. You can search for groups for your city. People list their free stuff all the time, such as furniture, electronics, clothes, and more. You can even make a post asking if anyone has something that you need.
Ask family and friends – Your family and friends might have extra stuff they’re willing to part with. They might even be happy to see it go to a good home – your new home!
Check online platforms – Websites like Craigslist, Freecycle, and Facebook Marketplace can be goldmines for free furniture. People often list items they want to get rid of quickly.
Visit thrift stores and yard sales – Thrift stores and yard sales sometimes offer “free bins” or low-cost items they want to get rid of fast.
Attend college move-out days – If you live near a university, go there on move-out day. Students tend to leave behind perfectly good furniture that’s yours for the taking.
Community centers and churches – These places often have bulletin boards with listings for free items.
Always be safe when arranging pickups, especially with strangers. Always bring a friend or let someone know where you’re going.
Helpful articles:
Handling utilities and bills
Dealing with utilities and bills is a big step in moving out. Utilities are services you need like water, electricity, gas, and the internet.
Before you move, call or visit the websites of local utility companies. You’ll need to set up accounts in your name. This might include a deposit fee, so be ready for that.
I recommend making a list of all your expected bills. Rent, electricity, water, internet, and maybe gas are usually the basics. Add them up to see how much you’ll spend each month.
After you move in, you will want to find out when each bill is due. It’s your job to pay them on time as paying late can lead to extra fees or even getting your services turned off. Some companies let you set up automatic payments, and this means the money comes out of your bank account on its own each month. This can make sure you’re always on time.
You will want to hold onto your bills and receipts. This way, if there’s ever a mistake with a bill, your records will help fix it.
You can save money by being smart about using your services. Turn off lights when you leave a room and unplug electronics that you’re not using. You might also shop around for better deals on services like the internet.
After you get your first set of bills, you will understand why your parents wanted to keep the air conditioning off or why they always asked you to turn the lights off – things can be expensive!
Also, remember that different times of the year will impact your bills. For example, your electric bill will most likely be a lot more expensive in the summer than it will be in the spring or fall.
Maintain your home (housekeeping)
Moving out at 18 means taking on the responsibility of housekeeping. You might be surprised how quickly your new home can become cluttered and get dirty.
Keeping your home nice starts with regular cleaning, and I recommend setting aside some time each day for tasks like washing dishes, making your bed, and tidying up the living area. This way, messes won’t pile up and become overwhelming.
Then, once a week, dedicate your time to deeper cleaning such as vacuuming, mopping floors, cleaning the bathroom, dusting, and doing laundry.
Housekeeping also requires tools and supplies, so you will want to plan your budget to include items like sponges, cleaners, and trash bags.
Make friends in your new community
Moving out at 18 is a big step, and making friends in your new community is important. It can make your new place feel like home. When you move, you might not know many people, but there are fun and simple ways to meet people.
Here are some tips:
Get to know your neighbors – Start with a smile and say hi to your neighbors.
Join local groups or classes – Look for groups that interest you. Love to paint? Find an art class. Enjoy cooking? Maybe there’s a cooking group nearby. Like rock climbing? Go to the local climbing gym. This way, you meet people who like what you like.
Visit community centers – Many towns have a community center. They have activities like sports, games, and events.
Making friends might take time, but it’s totally possible! Just be yourself and be open to talking to new people.
Balancing work and personal life
I’m guessing you will have a lot going on, between trying to work full-time and enjoying your life, and even possibly furthering your education.
I recommend trying to schedule your time so you don’t get too busy. Use a calendar or app to make sure you’ve got time for work, taking care of your place, and doing fun things too.
It’s okay to say no if you’re too busy. If you’re working a full-time job, you might not be able to hang out with your friends all the time. It’s all about finding a healthy balance between earning money and enjoying life. I had to say no to my friends many times because I was simply too busy. If your friends still live at home, it may be hard for them to understand this unless you explain your situation.
Plus, remember to take breaks. When you’re planning your week, set aside some time just for relaxing. Watching a movie, reading, or hanging out in the park are all great ways to unwind and give your mind a break.
Frequently Asked Questions
Below are common questions about how to move out at 18 years old with little money.
How can I move out fast at 18?
To move out quickly, focus on making a steady income and finding affordable housing. Create a budget to manage your expenses and look for immediate job openings or housing options. Saving as much money as you can right now is also super helpful.
How much money should I have saved by 18 to move out?
Aim to save at least 3 to 6 months of living expenses before moving out. This safety net can cover rent, groceries, and unexpected costs, giving you financial stability as you start on your own.
Can you move out at 18 while still in high school?
Yes, you can move out at 18 while in high school, but make sure you have a support system in place. Balancing school responsibilities with living independently can be very hard.
How to move out at 18 with strict parents?
When moving out at 18 with strict parents, communicate your plans clearly and respectfully. Prepare a well-thought-out plan to show them you’re serious and capable of managing your own life.
Can your parents not let you move out at 18?
When you turn 18, you’re legally an adult in most places, and you can decide to move out even if your parents don’t agree. However, it’s important to respect their opinion and explain your reasons. There are some places where you have to be older, so make sure you do your research.
Do I have to tell my parents I’m moving out?
While you’re not legally required to inform your parents in most places, it’s nice to talk about your decision with them, as transparent communication helps maintain a positive relationship after you leave.
Can I move out at 18 without parental consent?
Yes, in most places, at 18 you’re legally permitted to move out without parental consent. You will want to make sure this applies to your local area.
What things do you need when moving out of your parents’ house?
There are many things that you will need to move out of your parents’ house such as a bed, blanket, pillow, kitchen supplies, towels, a place to eat, a dresser, cleaning supplies, groceries, and more.
Is it realistic to move out at 18?
It is realistic to move out at 18 if you have a reliable income, a budget, and a plan for handling responsibilities. You will want to be as prepared as possible to move out at a young age because there will be many hurdles thrown your way, most likely.
How To Move Out At 18 – Summary
I hope you enjoyed this article on how to move out at 18 years old.
It’s really important to have a plan for a successful move when you are just 18 years old.
You’ll need to find ways to earn money regularly, like getting a job and even doing extra work on the side.
Having savings in the bank and an emergency fund will help you handle unexpected expenses without ruining your plans.
There are also many other things to think about, such as the cost of living, utility bills, your credit score, and more.
I moved out when I was just 18 years old, so I completely understand where you are coming from. I had no financial help from my parents and found and did everything on my own – from making money to finding a place to live, making all of my own meals, and more. It was hard, but it was what needed to be done.
Do you plan on moving out soon? Do you have any questions for me on how to move out at 18?
The peer-to-peer payment network Zelle offers free and almost instant transfers between bank accounts at different U.S. banking institutions. Launched in 2017, Zelle’s network has grown to include more than 2,000 participating banks and credit unions. Many, but not all, bank customers can find Zelle featured in their bank’s mobile app.
Using a bank that offers Zelle in its app has perks: There’s no extra app to download, and your bank may have higher transfer amount limits than what Zelle’s app allows.
Skip down to our lists to see if your bank uses Zelle.
Quick facts about Zelle
Zelle is primarily used to send, request or receive funds with friends and others you trust.
Zelle transfers can be delivered within minutes and generally are free.
Customers at banks, credit unions or neobanks that don’t offer Zelle can access Zelle’s standalone app, though transfer amount limits may differ.
SoFi Checking and Savings
Min. balance for APY
$0
CIT Bank Platinum Savings
Min. balance for APY
$5,000
BMO Alto Online Savings Account
Min. balance for APY
$0
Frequently asked questions
Are Zelle transfers free to send and receive?
Typically, yes. More than 99% of checking accounts linked to Zelle don’t charge a fee, according to a 2023 Zelle survey of financial institutions that offer Zelle.
How much can I send or receive through Zelle at a non-participating bank?
If your bank doesn’t offer Zelle, you can send up to $500 weekly and receive up to $5,000 in Zelle’s app. There’s no ability to request different limits. You can have higher limits at a bank in Zelle’s network, though it’s up to the bank.
What are some notable banks and credit unions that don’t use Zelle directly?
Some notable financial institutions that NerdWallet has reviewed and that don’t participate directly in the Zelle network include Alliant Credit Union, American Express, Barclays, Connexus Credit Union, LendingClub Bank, Marcus by Goldman Sachs, Pentagon Federal Credit Union, SoFi and Synchrony Bank. In addition, nonbank fintech apps (or neobanks) such as Chime, Current and Greenwood aren’t in Zelle’s network.
Can the sender and recipient be at banks where neither offers Zelle?
No. Unfortunately, either the sender or recipient must belong to a bank or credit union that offers Zelle for a transfer to work. The person who doesn’t have Zelle directly can download the Zelle app and enroll with a Visa or Mastercard debit card.
What are transfer services like Zelle?
Peer-to-peer transfer apps such as Venmo and Cash App have the same ability as Zelle to transfer money fast to friends and family for free. However, unlike Zelle, they put any money you receive into an in-app balance. The process to withdraw money to a linked bank account is free but usually takes several days, or you can withdraw within minutes for a fee. Learn more about peer-to-peer payment services.
In addition, banks and credit unions are gradually adopting FedNow, a new real-time transfer service run by the Federal Reserve.
Who owns Zelle?
Zelle is owned by Early Warning Services, a financial tech firm and consumer reporting agency that is co-owned by seven of the largest U.S. banks: Bank of America, Capital One, Chase, PNC, Truist, U.S. Bank and Wells Fargo.
Is Zelle safe?
Zelle’s parent company has said that more than 99.9% of payments sent don’t have reports of fraud or scam, according to a 2022 press release. However, there is still a chance you can be contacted by fraudsters who ask you to send money via Zelle.
Unlike credit card and debit card purchases, a Zelle transfer can’t be canceled or reversed once someone receives it, which is also the standard practice for wire transfers and transfers on a real-time network such as FedNow and RTP. Zelle provides customer support and potential reimbursement in cases when people get scammed.
🤓Nerdy Tip
Nearly instant transfers between your accounts: When you enroll two accounts at two different banks with Zelle, you can transfer money between banks faster than typical ACH transfers. Standard bank-to-bank transfers can still take multiple days.
12 online banks that use Zelle
We considered online banks with strong account offerings that participate in Zelle’s network. Click each bank name to read our review:
17 traditional banks that use Zelle
We considered the largest U.S. banks as well as various regional banks that we’ve reviewed. Click each bank name to read our review.
12 credit unions that use Zelle
We considered credit unions we’ve reviewed and that stand out due to their size or services. Some credit unions have geographic or other membership restrictions. Click each credit union name to read our review:
Don’t see your bank or credit union? See the full list of financial institutions in Zelle’s network on Zelle’s website.
Did you know…
Zelle transfers are not wire transfers, which use a separate network. Both can provide funds delivery within minutes, but wires tend to have high fees and are intended for large amounts, such as a home purchase. Zelle transfers are typically free and can be for various reasons and amounts (up to a limit).
A bill intended to protect Nevada homeowners by labeling mortgage lending fraud a crime has led to a great deal of confusion and frustration for lenders and mortgage brokers statewide and beyond.
Assemblyman Marcus Conklin, D-Las Vegas, prime sponsor and author of “AB440”, said the bill was intended for consumer protection, not to “slow up the process for qualified people” attempting to purchase homes.
Per the bill, as of October 1, 2007 it will be an “unfair lending practice for a lender to: (b) Knowingly or intentionally make a home loan, other than a reverse mortgage, to a borrower, including, without limitation, a low-document home loan, no-document home loan or stated-document home loan, without determining, using any commercially reasonable means or mechanism, that the borrower has the ability to repay the home loan.”
Unfortunately, because the wording of the bill is somewhat vague, it was misinterpreted by lenders and mortgage brokers, many of whom believe stated income loans in Nevada will soon be illegal.
In fact, some banks and mortgage lenders have already stopped or have said they intend to stop originating “stated income” home loans in Nevada because of the verbiage in AB440.
But the truth is, AB440 was written to ensure homeowners are financially able to repay their mortgages, and simply asks that licensees discuss and document that ability to repay with borrowers before the loan process begins.
The hope is that fewer borrowers will end up in home loans they aren’t qualified for, reducing the number of loan defaults and foreclosure proceedings in the state.
In an effort to clear up the confusion, a letter from Mortgage Lending Division Commissioner Joseph L. Waltuch was addressed to licensed mortgage brokers and bankers on September 13. Here is an excerpt:
“AB 440 does not prohibit specific mortgage products or types of documentation that may be utilized in the making or underwriting of home loans. Instead, AB 440 recognizes, and specifically defines, “low-document”, “stated-document” and “no-document” home loans.”
Many licensees were led to believe that stated income loans would be banished in Nevada, but as this letter states, no loan programs or loan documentation types will be explicitly prohibited.
In fact, the Mortgage Lending Division of Nevada has made it fairly simple for licensees to comply with the new law, by asking that they fill out a worksheet in good faith to ensure they have discussed with homeowners the ability to repay the loan.
“It is also important that licensees document for examination purposes that these discussions and verifications have occurred. One suggested method for doing so would be the completion of a worksheet for each home loan…”
The “Division” said it will also allow other methods of determining a borrower’s ability to repay, “as long as they are reasonable and frequently used within the lending community.”
The new bill should actually protect both homeowners and loan originators, as it will document the fact that a detailed discussion took place to ensure both parties were clear on the terms of the loan, which could prevent homeowners from blaming brokers and loan officers for improper loan disclosure.
However, one downside is that the confusion associated with the bill may drive more lenders away from the state, and could prove to be problematic for the many borrowers in Nevada who earn much of their income from tips, which is often difficult to state and/or document.
Nevada posted the highest foreclosure rate in the United States in July, a whopping one filing per 199 households, three times the national average.
The state reported 5,116 filings during July, an increase of 8% from June.
According to state officials and the Nevada Association of Mortgage Professionals, “Stated income” loans account for a quarter of all home loans in Nevada, and roughly half of the loans in the Las Vegas area.
Edelman, who joined M&T in 2016 and has served as president since February 2022, brings over 25 years of experience in commercial real estate finance, having facilitated transactions totaling over $6 billion throughout his career. “I am honored to lead this team as we expand access to capital markets and grow our strategic partnerships,” said … [Read more…]
Want to learn how to get paid to do nothing? Picture this: making money without putting in much effort, even when you’re just relaxing, sleeping, or waiting in line. The idea of getting paid for doing nothing has always been popular and it’s probably your dream life. It may seem too good to be true,…
Want to learn how to get paid to do nothing?
Picture this: making money without putting in much effort, even when you’re just relaxing, sleeping, or waiting in line. The idea of getting paid for doing nothing has always been popular and it’s probably your dream life.
It may seem too good to be true, but there are real ways to use your free time or things you already have to make money with minimal ongoing work.
There are actually quite a few things on this list that I regularly do so that I can make money doing nothing.
Now, some of the ways below may take initial effort or even some maintenance over the years. But, you may be able to earn money while sleeping or while at the beach with minimal effort needed from you.
Best Ways To Get Paid To Do Nothing
Do you want to earn money while you relax? You can get paid without a 9-to-5 job. Let’s look at some ways to make money while doing nothing.
Here are some ways out of the list below that you may be interested in:
Sell printables online – These can be made once and sold an unlimited amount of times. Learn more at How I Make Money Selling Printables On Etsy.
Pose as an art model – It’s simple; just sit still! Art schools pay models around $25 per hour.
Real estate – You can invest in real estate funds. Your money might work for you, and you don’t have to manage properties.
Take online surveys – You can answer these whenever you have free time and the questions are extremely easy. Best online survey sites include Branded Surveys, Swagbucks, and Survey Junkie.
Rent your stuff – You’ve got stuff other people might want for a day or two. Think about renting out things like your storage room, baby gear, RV, and more.
Learn more about the different ways to get paid to do nothing below.
1. Sign up for a rewards credit card
Earning money without working hard can sound really nice. One way to do this is to get a rewards credit card. When you use this kind of card, you can get points or cash back for buying things you would buy anyway.
When you sign up for a new card, you might receive a big signup bonus. Some cards give you bonus points, like 50,000 or even more, as a welcome gift! However, you usually need to spend a certain amount of money first (such as $4,000 in the first 3 months).
Here is a table with the different types of rewards you might get:
Reward Type
What You Get
Points
Use for travel and gift cards.
Cash Back
Money back on your purchases.
Mile Rewards
Miles to fly on planes for free airfare.
I have a few rewards credit cards and I earn points every time I use my credit card, such as by paying a bill or going grocery shopping. I actually just signed up for a new rewards credit card this week that has a great signup bonus value of over $800.
Two rewards credit cards that I personally like are:
Important note: Using credit card rewards is a good idea as long as you use your credit card responsibly. It’s not smart to go into debt just for rewards because having debt with interest is not free or helpful. To truly make money from credit card rewards, be sure to pay your full credit card balance every month.
2. Get paid to stand in line
If you don’t mind waiting, you can earn money by standing in line for other people. Some companies and individuals pay for this service, especially when they’re busy or want to attend popular events without waiting.
Here’s how it works: You take someone else’s spot in line, like waiting for tickets or securing a spot at a busy restaurant. You do the waiting for them so they don’t have to.
You can earn approximately $25 to $35 per hour by just standing in line. The exact amount depends on your location and how much people need line sitters.
To get started, search for websites that link line sitters with clients, such as Taskrabbit, Same Ole Line Dudes, and InLine4You. Join the sites, create a listing for your services, and wait for someone to hire you.
3. Dividend-paying stocks
One of the best ways to make money without a job is to invest in dividend-paying stocks.
When you invest in dividend-paying stocks, you’re buying a piece of a company that gives you money regularly. Think of it like getting a small thank you for holding on to the company’s stock. These payments usually come from the company’s profits and they’re called dividends.
Here’s how it works. You buy stocks that pay dividends, and then, every so often (usually every three months), the company sends you money. It’s a way to earn without doing much after your initial investment.
Now, a table to show you what to look for:
Term
Meaning
Dividend Yield
How much you earn compared to the stock price
Payout Ratio
The part of profits used for dividends
Ex-Dividend Date
The day when you must own the stock to get paid
Keep in mind, not all dividend stocks are the same. Some may lose value and payments could stop if the company isn’t doing well. So, it’s important to choose wisely, and you might want to seek guidance from someone who knows a lot about stocks.
For me, I love earning dividends. It’s like being rewarded for saving for retirement, and it is so easy.
Recommended reading: What Are Dividends & How Do They Work? A Beginner’s Guide
4. High-yield savings accounts
When you put your money in a savings account, you want it to grow. High-yield savings accounts are like your regular savings account but with an extra boost for making your money grow faster.
The interest rate or annual percentage yield (APY) is what the bank pays you. The higher the APY, the more money you make. Good news! Some of these accounts offer APYs much higher than the usual, like more than 5%! That’s a lot better than the average savings account.
I personally use Marcus by Goldman Sachs and they have a very high interest rate. You can get up to 5.50%, at the time of this writing, through my referral link bonus. So, at this rate, if you have $10,000 saved, you could earn $550 with a high-yield savings account in a year. Whereas with normal banks, your earnings would only be $46.
You must be thinking, “What’s the catch?” Well, most of these accounts are from online banks. No biggie, just that you won’t have a bank branch to visit. They also tend to not offer other features, such as bill pay and checks – it’s simply a place to park your money and earn a lot more in interest.
5. Sell printables
If you want to earn money while doing nearly nothing on the internet, you can try selling printables online. Printables are files that you make once, like planners, invitations, flash cards, and worksheets, and then sell over and over again.
Yes, you will have to make the printables and open a store, but after a while, you can start making money from the same printables over and over again.
This is because printables are digital products that sell with just simple downloadable files.
I recommend reading How I Make Money Selling Printables On Etsy to learn more.
6. Share your opinions
You can earn money in your free time by joining paid market research studies. Keep in mind, it won’t replace a full-time job (they usually pay only $1 to $3 for each survey you complete), but you might make some extra cash.
When I was paying off my student loans, I did online surveys almost every day. I did them before work, during my lunch break, or after work. What I like about answering online surveys is that I can answer them whenever I want, such as while watching TV or eating lunch.
Some of the survey companies I recommend include:
Please head to Best Paid Online Surveys to read more.
7. Rent out your extra storage space
If you’ve got extra room at your place, you can make money by renting it out.
Think about renting out parts of your home, like an empty closet, your driveway or parking space, or your garage. Websites like Neighbor allow you to list these spaces for someone to store their belongings (such as a car, sofa, boxes, and more).
Neighbor is like the Airbnb of storage space. Instead of having guests over, you’re renting out your storage space to store other people’s belongings.
8. Sell stock photos
Selling stock photos is a good way to earn money through passive income without actively working for it.
You upload photos you’ve taken with your camera or phone to a platform like Depositphotos. When someone buys one of your photos, you get a commission.
Websites, companies, and blogs use stock photos for all different kinds of reasons. Businesses use them to improve their content, websites, or overall appearance, as they may not have the time to take photos of everything they need.
I personally use stock photos in my blog posts all the time, and I know many, many others who do as well. The photos throughout this article are all stock photos, so you can see how useful they are to website owners.
Stock photography includes pictures of things like:
Travel, landscapes, and outdoor scenes
Business settings like laptops, offices, and people working
Family moments, including parents and children
Household items, such as living areas and kitchens
Animals, including pets and wildlife
Vehicles like cars and boats
Sports, from professional events to casual games
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
9. House sitting
For some people, house sitting is the ultimate dream job. You may be able to watch houses around the world in dream destinations after all!
House sitting involves taking care of someone’s house while they’re away. It’s a way to earn money without much effort. Your responsibilities include staying in the house, making sure everything is safe, collecting mail, and sometimes looking after pets or watering their plants. Many times, people just want it to look like someone is living in their home so that no one will try to break in.
You can find house sitting jobs on websites like TrustedHousesitters and Care. You may also find these types of jobs through dog walking gigs, such as on Rover.
10. Invest in REITs
Investing in a Real Estate Investment Trust (REIT) is like buying a small piece of many buildings without the hassle of managing them.
REITs are companies that own many real estate properties, and they earn money by renting out space in those properties. Imagine shopping malls, apartments, and offices as examples.
Here’s how it works:
Choose a REIT – Look for REITs with good histories, like those experts trust.
Invest Your Money – You can start with a small amount of money.
Earn Money – REITs make cash from their buildings. They share this cash with you through dividends.
11. Pose for art classes
If you can stay still for a while, you might like posing for art classes. When you pose, art students look at you and draw or paint your picture. It’s a way you can make money by just sitting or standing.
Most times, art models get about $20 to $30 each hour. You’ll usually be there for around three hours or more.
What will you do? You will hold a pose. A pose can be something like sitting in a chair, standing, or making an interesting shape with your body. These poses can last from five to twenty minutes. Don’t worry, you get breaks so you can stretch and rest.
Who can do this? You don’t have to look a certain way. Artists need all kinds of people to learn how to draw humans well. You just need to be okay with being looked at while you are posing.
Where to find these jobs? Check with local art schools, colleges, or community centers. They usually need new models. You can also look online for art model jobs in your area.
12. Listen to music
If you enjoy music, you can actually make some money by listening to songs. You can use apps and websites that pay you just for listening. Companies want your opinion on new music, and they’ll pay you for your time!
Slicethepie is a popular site that pays you to listen to music. Other popular sites include Playlist Push, Current Rewards, and Hit Predictor.
Here’s how it typically works:
Step
Action
Find an app
Look for apps that offer payment for music listening.
Sign up
Create an account on these platforms.
Listen and rate
Start listening to music and provide your honest feedback.
Earn
Collect your earnings, usually through points that can be converted into cash or gift cards.
13. Get paid to work out
Yes, you can get paid for being active, even while doing your regular workout!
Apps like HealthyWage make staying fit exciting by allowing you to bet on your fitness goals. You set a weight loss target, bet on yourself, and join others with similar goals. If you achieve your goal first, you win money from the prize pool. It’s a friendly competition with a chance to earn a financial reward.
14. Become a notary
If you want to earn money with little effort, you might think about becoming a notary. As a notary, your job is to be a witness when people sign important papers and to check that the people signing are really who they say they are.
So, yes, you are still working a job, but you are simply watching people sign papers.
What notaries do:
Meet people who need papers signed.
Check their IDs to make sure they are who they say they are.
Watch them sign the document.
Use your notary stamp and write in your record book.
You can make anywhere from $9 to $21 per hour, but it depends on things like where you live and if you have to go to people or they come to you.
15. Mattress tester
Testing mattresses is a unique side hustle where you can make money by just testing out mattresses.
As a mattress tester, you’ll test beds and write reviews about your sleep quality, comfort, and any other observations. Your feedback is valuable as it helps companies improve their products to better meet customer needs.
Some mattress companies pay individuals like you to test their products. This helps them figure out how comfortable their mattresses are and how they can make them even better.
You can find these gigs by researching local sleep clinics or mattress companies that offer paid studies or testing.
I have actually been paid to test mattresses in the past, and it is easy! I was only paid with free mattresses, but at one point in a single year, I think I received 5 or 6 mattresses. I ended up giving away a couple to friends and family because the work was so easy.
16. Join a sleep study
Similar to testing out mattresses, you may be able to get paid to join a sleep study.
Sleep studies are research projects that help doctors understand sleep patterns and disorders. If you’re interested in earning money while contributing to science, participating in one of these studies is an option. Typically, sleep studies seek specific types of participants, such as a particular age group or weight range. Your initial step is to determine if you meet their requirements.
After being accepted into a study, you’ll visit the center for tests. During the study, you might wear special equipment while you sleep. This equipment helps researchers monitor and track your sleep patterns.
The payment you receive depends on how long the study is, which might be for one night or even several weeks.
Many universities, like the Harvard Division of Sleep Medicine, pay for sleep studies.
17. Put an advertisement on your car
If you want to earn extra money without doing much, think about turning your car into a moving billboard. Companies will pay you to put their ads on your car.
To start, join a car wrap advertising company like Carvertise or Wrapify. They’ll place a special sticker, called a car wrap, on your entire car or specific parts of it. These companies seek drivers to display ads on their cars, and the more you drive and the places you go can increase your earnings.
Your car’s make and model, condition, and paint quality are important. They decide how well the ads will stick and look.
The type of ad wrap you choose changes how much you get paid too. The options are:
Full wrap
Partial wrap
Just the windows
Here’s what you might be able to earn:
Car Wrap Type
Possible Earnings
Full Wrap
$200 to $1000 per month
Partial Wrap
$150 to $250 per month
Window Ads
$100 to $250 per month
Keep in mind that the earnings can vary. It depends on factors like how frequently you drive and where your car is visible.
Recommended reading: 6 Best Ways To Get Paid to Advertise On Your Car
18. Rent out a spare room in your home
If you have an extra room in your house and want to earn passive income streams, you can make money by renting it out. This is a smart way to earn cash without much work.
I have had several roommates over the years. We would rent out our spare room to long-term renters and people that we personally knew (such as friends and my sister).
To find a roommate and earn rental income, you can advertise your space in various places. You can announce on your personal Facebook page, place an ad on websites like Craigslist, create a rental listing on Airbnb, and more.
Whether you have a house or an apartment, this may be an option available to you.
19. Use cash back sites
When you shop online, you can earn money back on what you spend by using cash back sites.
Think of it like getting a discount, but instead of saving money right away, you get some cash back later.
I use cash back sites and apps pretty much every single time I shop – it’s easy, free money for me.
Popular cashback sites include:
Rakuten – Gives you a percentage of your money back.
Swagbucks – Earns points that you can exchange for cash or gift cards.
Fetch Rewards – I use this site for every single grocery receipt I have.
Ibotta – Another easy grocery scanning app to use.
For example: To get cash back, all you need to do is create a Rakuten account, visit their website, and click on the store where you want to shop (such as Target, Best Buy, Old Navy, etc.). They will then redirect you to that store, and you can shop online as you normally would to get cash back.
These types of sites typically pay via free gift cards or PayPal cash.
20. Rent out your RV
Renting out your RV can be a way to earn extra money on something that might be sitting around collecting dust (and rust!).
By renting it out, you could potentially make $100 to $300 a day or even more.
RVing has become very popular these days, and people frequently rent RVs to explore on vacations or even to try out a specific RV model before making a purchase.
One RV rental platform that I recommend is RVshare. RVshare is basically an Airbnb just for RVs. It’s a site where you can list your RV for rent and RVshare will handle all payments and bookings for you.
Similar to this, you can also rent out your car on Turo!
Recommended reading: How To Make Extra Money By Renting Out Your RV
21. Receive a pension
Getting paid to do nothing may sound like a dream, but if you have a pension, it’s a real thing that can happen when you retire.
A pension is money that you get regularly after working for a certain number of years.
When you work at a job that offers a pension plan, your employer puts money into this plan for you. When it’s time to retire, this money comes back to you, usually every month.
The amount you get usually depends on three things:
Age – Generally, the older you are when you retire, the more you get.
Salary – How much you earned at your job can affect your pension.
How long you worked there – The longer you worked, the higher your pension.
Sometimes, you might have the option to receive all your pension money at once, known as a “lump sum.” It’s a substantial, one-time payment instead of monthly checks. Make a wise decision by considering what works best for you. If you’re unsure, seeking advice from someone knowledgeable about finances could help you decide.
Frequently Asked Questions About Getting Paid to Do Nothing
Below are answers to common questions about how to get paid to do nothing.
How can I get money for doing nothing?
You might be surprised, but there are ways to earn money with little to no effort. For instance, using a cash back credit card for your everyday spending allows you to get a percentage back. You can also do any of the things above, such as selling digital downloads online, finding a job that will pay you a pension once you retire, investing in dividend-paying stocks, and more.
What are jobs where you do nothing and get paid a lot?
So, it can be hard to work an actual job that pays you a lot of money to do nothing. After all, if that existed, then everyone would be doing it, haha! Some jobs do pay you, though, for simple tasks, such as being a notary.
Can I really make income by just being idle?
Yes, you can make passive income through methods like earning interest from a high-yield savings account or renting out your spare space.
Where can I find jobs that don’t expect much work from me?
Look for gig economy jobs where you can earn money based on the tasks you choose to accept, such as delivering food or charging electric scooters. There are so many other side jobs that aren’t even mentioned on the list above, such as creating an online course, becoming a taste tester, micro-investing (such as with the Acorns app), becoming a background actor, watching ads, affiliate marketing, delivering groceries, writing a book review online (such as for Kirkus Media), playing games, talking with an online companion or strangers, and more.
How to get paid to do nothing online?
Some ways to get paid to do nothing online include selling digital files and stock photos. These will both require initial work from you, but eventually, these will sell with little work needed by you.
How To Get Paid to Do Nothing – Summary
I hope you enjoyed this article on how to get paid to do nothing and found one or more gigs that fit what you’re looking for!
As you can see, there are many ways to get paid to do nothing (or almost nothing).
You can grow your savings effortlessly with high-yield savings accounts or make money by renting out extra storage space. Investments in stocks that pay dividends or REITs can give you money regularly without needing your daily attention.
Do you want to learn how to make money in one hour? Whether it’s for an unexpected bill or you’re saving for a special purchase, the good news is that there are many real ways you can make money within an hour or less. These can be ways to make extra income or even possibly…
Do you want to learn how to make money in one hour?
Whether it’s for an unexpected bill or you’re saving for a special purchase, the good news is that there are many real ways you can make money within an hour or less.
These can be ways to make extra income or even possibly be turned into a full-time job.
Back when I had student loans, I found many different ways to make money in an hour. I did this because I wanted to squeeze in quick side hustles around my full-time job – such as before and after work and during my lunch break. There were also times when I needed money quickly, such as in less than an hour, and I had to find ways to make that happen to have cash on hand.
There may be other reasons for why you need to make money in an hour or less. If this is you, continue reading below to learn how to make money in 60 minutes or less!
Key Takeaways
If you have unwanted items (like clothes you don’t wear anymore), sell them. You can use apps or go to a thrift store, and they might give you cash right on the spot.
You could sell helpful services like tutoring or dog walking. These jobs pay you right away for the time you spend doing them.
You can make money fast by taking online surveys. Websites like Survey Junkie or Swagbucks pay you for sharing your opinions.
Recommended reading: How To Make $100 A Day
Best Ways to Make Money in One Hour
Whether you only have one hour to spare each day or if you need to make money in literally one hour from now, you do have some options.
Make money in one hour by selling items you don’t need
Got stuff at home you don’t use anymore? You can turn those things into cash, often in just an hour!
Here are some easy ways you can do this.
Clothes and jewelry – Look in your closet. Are there clothes that are no longer worn? Take them to a thrift store or a consignment store like Once Upon A Child. They buy your gently-used clothes and you leave with cash in your hand!
Toys and games – If you have toys or video games that just sit around, you can sell these too. Kids outgrow these fast, and you can find a new home for them where they’ll be loved again.
Unused gift cards – If you have gift cards that you haven’t used, you can sell them!
Other stuff – Electronics, books, or maybe some old furniture could also be sold.
You can sell items on platforms like Decluttr, Facebook Marketplace, Craigslist, and eBay. I have sold on all these (plus a lot more!), and they are all easy to use.
You could even have a garage sale if you have lots of items to get rid of.
10
This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
Mow lawns or shovel snow
Making money in one hour can be done if you mow lawns or shovel snow. These jobs can be done quickly, and you get paid right after you finish the work.
You’ll need a lawn mower, shovel, and/or snow blower to get started, and you can typically charge around $50+ for a yard.
Doing a good job increases the chances of people asking you to return or recommending you to their friends. Take your time to do things well. Before starting any work, make sure to ask how much they’re willing to spend because this way, both of you agree on the price!
Return a recent purchase
If you bought something you don’t need or haven’t used yet, returning it is a quick way to get cash.
Surprisingly, many people have items lying around that they’ve purchased but may have not used yet. If you really need the cash, then this can be a great option to start with.
First, find your receipt. This shows you paid for the item and when you bought it. No receipt? Look in your email or bags. Sometimes, stores send receipts to your email or put them in your shopping bag.
Next, check the store’s return policy. Some stores let you return items within a certain time, like 30 or 60 days. Be quick – if you wait too long, you can’t return it!
Before you go to the store, make sure the item is in good shape. It should look like when you bought it. Return it in its original packaging if you can. Here’s a list of what you’ll need to return a purchase:
Your receipt (or email proof)
The item (unused and not broken)
Packaging (the box or bag it came in)
At the store, go to the customer service desk and tell them you want to return the item. Be polite – it makes things smoother. If you don’t want to go to the store, some stores might let you mail the item back.
Remember, some items can’t be returned. Things like opened DVDs or personal use items like earbuds usually can’t go back to the store. It’s always a good idea to know the return rules before you buy things.
Deliver food to make money in one hour
If you want to make money fast and take advantage of the gig economy, you can deliver food, such as groceries or restaurant meals. Companies like Instacart, Uber Eats, and DoorDash let you sign up to be a delivery driver.
To get started, you’ll need a car, bike, or scooter and sign up for the company that you want to work with. You’ll then get orders on your phone through an app, go to the restaurant or grocery store, pick up the food, and drive it to the customer’s place (this may be their home or where they work).
You’ll get paid for each person or food delivery, plus get tips as well.
You get to choose the hours that you want to work, and you can work for just one hour or as much as you want.
Related to this, you can even deliver packages for retailers with Amazon Flex!
9
Instacart is a popular website for people looking to earn extra money shopping for and delivering groceries. Instacart gives you the option to turn your free time into a chance to make some extra money.
Drive for rideshare companies
If you want to make money quickly, you might start driving for companies like Uber or Lyft.
You get paid for giving people rides in your car, and the more you drive, the more money you can make.
Drivers can earn about $20 per hour on average. In some cities, drivers can make more than $30 an hour.
You can increase your earnings further by concentrating on busy areas (such as before and after a concert) and driving during the busiest times (such as on a Saturday night). This way, you can make more money for each hour of your time!
Recommended reading: How To Make $1,000 In 24 Hours
Answer online surveys
If you want to make money quickly, you can try taking paid online surveys. Market research companies need your opinions to make their products better, so they pay you for your time.
Some paid survey sites where you can take surveys include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Here’s what to do:
Sign up: Make a free account on the survey site.
Pick a survey: Choose one that looks interesting to you.
Give honest answers: Share what you really think about the questions you’re asked.
Earn rewards: After you finish, the site will give you points or money.
Earning money from answering surveys is not always fast, and it won’t make you rich. But if you have an hour, it’s a simple way to earn a little extra cash.
For me, I have answered a lot of surveys over the years. I like how I can answer surveys in little breaks I have during the day, such as before and after work, during a lunch break, while being a passenger in a car, and so on. They are easy to answer, and usually only take a few minutes.
9
Branded Surveys is one of the most popular survey sites that rewards you in cash and gift cards for sharing your opinion. You can get paid anywhere from $0.50 to $5.00 per survey.
Perform odd jobs found on Craigslist
Craigslist has a jobs section on their site where you can find tasks that people need done right away. These are typically one-time gigs, but there are also part-time and full-time jobs listed here as well.
When you do a job on Craigslist, you usually get paid right after you complete the short task. That means you’ll receive your money on the same day.
To find Craigslist gigs in your town, just go to Craigslist and look for the “gigs” section.
Here are some gigs and tasks I found through a quick search on Craigslist:
House cleaner
Mover
Focus groups
Help with launching a boat
Gardening help
Help with painting a home
Lawn mowing
Participate in focus groups
Are you looking for a quick way to make money? Joining focus groups can be a fun way for you to earn extra cash and many times they take an hour or less.
A focus group is a small group of people who talk about products or services. Companies use your opinions to make their stuff better by learning more about their customers, such as you.
User Interviews is a popular site to find focus groups to take part in.
I have done a user interview in the past and got paid $400 for just one hour of work. It was simple, and everything happened online through a video call to see my opinion on a new feature for a well-known company (one of the largest companies in the world, in fact – so even large companies use these to help them improve!).
You can make $50 to $100 per hour, or even more, by sharing your thoughts and feedback.
Recommended reading: 19 Best Places To Find Paid Research Studies
10
User Interviews pays very well for market research studies and these are some of the highest paying online surveys, with each paying $50 to $100 or more. The average pays over $60.
Mystery shopping
If you want to earn money quickly, like in just an hour, you can try becoming a mystery shopper. Mystery shoppers are people just like you and me who get paid to shop and give their opinion.
I’ve done a lot of mystery shopping over the years to make some extra money and to get free stuff. It’s easy work that can be done either on the phone (such as by rating their customer service when they answer the phone) or in person at a store. Most mystery shops take less than an hour too! I’ve done many that even take less than 5 minutes to complete.
The way mystery shopping works is that you’ll typically buy products or try services, pay attention to the details like how clean the store is or if the staff is nice, and then answer questions that the mystery shopping company gives you after you are done.
Donate plasma
If you’re looking for ways to make money in one hour, you can donate plasma and get paid for it.
When you go to donate, the center will check your blood to make sure you’re healthy and that your plasma can be used to help others.
Here’s what you might earn for your plasma donation:
$20 to $50 for each time you donate
Up to $300 a month if you donate regularly
Some centers might pay more money for your first time donating, like a bonus to persuade you to start. The amount you get can change depending on where you live, so make sure to confirm before you commit.
Tutor students online
If you want to learn how to make money in one hour online, then online tutoring jobs can be a good option to look into.
If you’re good at a subject, you can make money fast by tutoring students online. Lots of students need help with their schoolwork and are willing to pay for your knowledge.
As a tutor, you might spend 30 minutes to an hour giving a lesson, answering questions online, or working one-on-one with a student through a video lesson.
Tutors can earn different amounts depending on what they teach (the subject) and the duration of the session (whether it’s a quick question or a full-hour session). For example, tutoring in advanced subjects like calculus usually pays more than simpler ones like first-grade math. Some tutors may earn around $20 per hour, while others can make well over $100 per hour.
Sell scrap metal
Selling scrap metal or precious metals is a quick way to make some money in just one hour.
To get started, you’ll want to find metal items from around your home. This can be old appliances, wires, and even soda cans.
Then, you’ll want to find a scrap yard nearby to take your metals. You’ll want to make sure it’s clean and to keep your metals separated and organized.
Once you get to the scrap yard, you’ll weigh your metal on their scales, and then they’ll give you a price. If it’s your first time, ask how the process works just so that you are not confused by anything.
Prices change often, so what you earn depends on the type and weight of the metal you sell.
Play online games for rewards
Have you ever thought you could make money by playing games on your phone or computer? Yes, you can! Some apps and websites let you earn rewards, like gift cards or even cash, just for playing online games in your spare time.
Apps that pay you for playing games usually make their money through ads, things you buy in the app, and paid gaming competitions. They share a bit of what they earn with you to get you to keep playing their games and spend more time on their platform.
Here’s a quick list of the top game platforms that pay real cash:
KashKick
Swagbucks
InboxDollars
Recommended reading: 23 Best Game Apps To Win Real Money
9
Swagbucks is a site where you can earn points for answering surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.
Walk dogs
If you like being around pets and want to make money fast, dog walking is a great choice. Many dog walking gigs are one hour or less per visit, so this can be a great way to make money in an hour.
To start, you just need a love for dogs and a good pair of walking shoes.
You can set your rates, usually between $10 to $20 for a 30-minute walk.
One hour of walking dogs could mean walking one dog for 60 minutes or doing two 30-minute walks for two different dogs.
Rover is a website that connects pet owners with pet sitters and dog walkers. Starting on Rover is simple. You create a profile where you talk about your experience with pets and the services you can offer, such as dog walking, pet sitting, and house sitting. After setting up your profile, you’ll get requests from customers and discuss pricing. Rover handles payment processing, and you’ll receive the payments directly into your account.
I know many people who are dog walkers, and they all really love the job. I have also used dog sitters in the past – it is a wonderful and super helpful service.
Freelance online on your own schedule
As a freelancer, you get to choose your own hours. So, you may decide to work an hour here and an hour there.
Back when I had a full-time job, this is what I loved about being able to freelance online – I could work in my spare time, even if it was just small pockets of time that I had. For example, I would complete short tasks an hour before I went to work, during my hour lunch break, and later once I got home from work.
And, there are many different types of freelance gigs that you can do, such as managing social media as a virtual assistant, data entry, proofreading, graphic design, email management, and more.
10
This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
Sign up for a high yield savings account
A high-yield bank account is a low-risk method to make extra money, and it typically takes less than an hour of your time to set up.
These savings accounts earn more interest than a regular one, so your money grows faster.
You will want to make sure that you pick a trustworthy bank and check the interest rates regularly because they can go up or down. Some people move their money into high-yield savings accounts often so that they can get the highest interest rates.
I personally use Marcus by Goldman Sachs as they have a very high rate. You can get up to 5.50% (at the time of this writing through a referral link bonus). According to this high-yield savings account calculator, if you have $10,000 saved, you could earn $550 with a high-yield savings account in a year. Whereas with normal banks, your earnings would only be $46.
This is an easy way to make passive income!
Frequently Asked Questions
These answers help you find quick ways to make money when you need it fast.
How can I make money ASAP?
If you need cash right away, you can sell things you don’t use anymore, like toys or clothes. Another fast way is to do small jobs for neighbors, like walking their dogs or helping in the garden.
How can I make $100 a day?
To make $100 a day, you could do jobs like cleaning houses, pet sitting, or babysitting. You could also combine a few things like doing surveys online, delivering food, or driving people places.
How to get money in one day without a job?
Without a job, you can still make money by selling stuff online, like clothes, games, or even sports equipment. You can also collect cans or bottles to recycle, or ask friends or family if they need help with anything for some quick cash.
How to make money in one hour as a kid?
As a kid, you can make money fast by setting up a lemonade stand, doing a car wash, or even making and selling crafts to friends and family (such as bracelets or custom T-shirts!). Of course, please check with your parents and stay safe.
How can I make money in one hour at home?
To make money in an hour at home, you can do things like sell items that you already own, such as your old clothing or a cell phone. You could also walk dogs, freelance online, or even tutor.
How to Make Money in One Hour – Summary
I hope you enjoyed this article on how to make money in one hour.
As you can see, there are many things that you can do to make money – whether you’re looking for a full-time job or just want to complete short tasks that take less than an hour.
Hour or shorter gigs helped me a ton to pay off my student loans as quickly as I could. Being able to work in short amounts of time helps me to work on my own schedule and fit more side hustles in.
Why are you looking to make money in an hour? Let me know in the comments below!
We’ve ridden the waves of 1970s revivals, wall-to-wall carpeting, the rise and fall of the Ultrafragola, and bouclé upholstery. When we type “interior design trends 2024” into our crystal balls (or indeed, into Google) what are we likely to find? AD PRO consulted the experts, and 2024 promises to be a year of thoughtfully chosen offbeat colors, a mix-and-match approach to the designs of different time periods, and a return to romanticism, with jewel tones and florals offering a flirty, old-fashioned respite from the onward march of technology.
Stone Fruit Chic: Peach and Apricot
Soft, sweet, and just a bit tart, peach and apricot are the dominant hues in the home trends color forecasts for 2024. Pantone declared Peach Fuzz its color of the year, and Leatrice Eiseman, executive director of the Pantone Color Institute describes it as “a color radiant with warmth and modern elegance.” Gemma Riberti, head of interiors at trend forecasting agency WGSN, notes that her team has had its eyes on orange. In particular, they note its emergence as “a recharging near-bright in the wellness sector” and as a vivacious alternative to traditional pastels. WGSN’s color of 2024, Apricot Crush, “can be easily paired with neutrals and naturals, and is suitable for textiles, glass, bath, and bedroom products” Riberti says, “but you can also work it to create intriguing narratives: offset it with greens, purples, and blues for vibrant contrast.”
JOIN NOW
New Year’s Sale: Join AD PRO for only $20 $12 per month.
Arrow
The classic technique of selecting chromatic bedfellows from opposite sides of the color wheel is also in Champalimaud Design’s toolkit. Principal Courtney Brannan tells AD PRO that when it comes to interior design trends in 2024, “we are seeing all the possibilities of peach and turquoise tones.” Though these shades have a tropical feel to them, they “can also feel neutral,” she says. Case in point: “At the Ritz-Carlton, Grand Cayman, turquoise creates an amplifying, formal statement surrounding the Silver Palm Bar.” Meanwhile, in New York City’s West Village, an apartment’s peach plaster wall “has a much more understated presence, calmly backgrounding the artful living space around it.”
That’s So Metal
It’s back to the essential elements (literally) for home decor trends in 2024: chrome, steel, and aluminum are suddenly everywhere. Pinterest Predicts 2024 includes a “Hot Metals” board with a distinctly surrealist aesthetic—gleaming surfaces that resemble the shiny sinew of liquid mercury.
David Michon, author of the Substack newsletter For Scale, thinks this is a natural consequence of the early-2020s overload of earth tones. “The desperate search for some kind of warmth in this cold world has exhausted ‘earthy’ browns and ‘meditative’ grays,” he notes. But don’t be too quick to write off these metallic finishes as industrial: “The many stainless-steel explorations of Milan’s Concorde, Harry Nuriev, or Tejumola Butler Adenuga show us that, in fact, steel simply reflects.” In general, says Michon, these metals amplify whatever vibe a room is already giving. With one notable exception: “stainless-steel appliances, which remain overrated.”
House of Hunt founder Holly Hunt concurs, but with a slightly more muted finish: “I foresee bright aluminums and silver gaining popularity in 2024 after years of gold and black dominating metal hardware and accessories,” she tells AD PRO. “However, I tend to avoid metals that are too shiny and prefer the richness of a brushed chrome or nickel, as they give a more polished and sophisticated look.” Adding to the evidence: Earlier this month, Nifembi Marcus Bello presented an eye-catching suite of cast-aluminum furniture at Design Miami.
Dark and Deep: Jewel Tones
The saturated hues of precious gems are giving the palette of 2024 design trends a sense of velvety mystery. According to Rob Natale, chief of design at Sixpenny, this is thanks in part to the recent dominance of neutrals across interiors. “People are rediscovering color in their homes, which is a welcome shift from the all-neutral palette we’ve seen for several years, and jewel tones are at the forefront of that shift,” he says. “It’s a perfect way to incorporate richness, whether as an accent or as the centerpiece for a space since they create such a strong counterpoint to almost any look.” (Heeding their own wisdom, Sixpenny is currently selling furnishings in an array of gem-inspired hues.)
Looking to learn the best ways to make money while you sleep? Do you ever feel worn out from your regular routine and tired of struggling to manage your money? Just picture being able to earn money even when you’re sleeping, without having to work long hours. In this article, I will show you 19…
Looking to learn the best ways to make money while you sleep?
Do you ever feel worn out from your regular routine and tired of struggling to manage your money? Just picture being able to earn money even when you’re sleeping, without having to work long hours.
In this article, I will show you 19 ways to help you reach financial freedom by earning passive income, such as while you sleep.
Having different ways to make money might seem like something crazy, but with the right plan and some hard work, it can actually happen.
In fact, I earn income all the time while I am sleeping and I love it. Now, that doesn’t mean that it’s easy. Some of the ways below will be harder than others, and they may take up a lot of time still. But, you may be able to earn money throughout the day from the hard work that you put in.
Key Takeaways
There are many ways to make money while you sleep, such as by blogging, selling digital products on Etsy, renting out storage space or real estate, putting your money in a high yield savings account, earning dividends, and more.
Some are easier to start than others – so make sure to think about the pros and cons, such as how much time it may take you or how much money you will need to start (your minimum investment!).
19 Best Ways To Make Money While You Sleep
Below are 19 ways to make money while you’re asleep.
1. Blogging
My favorite way to make money while I’m sleeping is by blogging, and it is a great way to make passive income while you sleep. I have been blogging for many years now (since I started Making Sense of Cents, I’ve made more than $5,000,000 from my blog), and I am able to work and earn money while I am asleep, such as by selling digital products, display advertising, and through affiliate marketing.
This is because readers read my blog posts throughout the day and night, even when I am not working. I have blog posts and advertising on my site, for example, that earn me income throughout the day.
So, what is a blog? A blog is like the article you’re reading now, written and published on a website. It’s basically a collection of written content. You can start a blog about many different topics, such as finance (like my blog!), recipes, family, health, wellness, pets, sports, outdoors, travel, and more.
Other similar ways to make money in your sleep include starting a podcast or a social media account, such as on TikTok or Instagram.
Recommended reading: The 25 Most-Asked Blogging Questions To Get You Started Today
10
Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
2. Affiliate marketing
If you want to learn how to make money overnight (such as when you’re sleeping), then my absolute favorite way is affiliate marketing.
This is one of the main ways I make money on my blog, but you don’t need a blog to do affiliate marketing either. You can do affiliate marketing on Instagram, Facebook, Pinterest, an email list, and more.
Affiliate marketing is when you share products or services from other companies with readers, subscribers, or people that you know. When someone buys through your referral link, you get a commission and earn some money from the company.
Here’s an example: Let’s say you write about a book on your blog and provide a link to it. If someone buys that book through your referral link, you get a commission.
You’ve probably bought things through affiliate marketing many, many times over the years. I definitely have!
Recommended reading: Affiliate Marketing Tips For Bloggers – Free eBook
3. Selling printables
Making and selling printables is another good way to make money without much active effort.
Printables are digital items that people can download and print at home. They can be things like games for a bridal shower, checklists for grocery shopping, planners for managing budgets, invitations, coloring pages, quotes designed to be printed and hung on walls, and more.
I buy printables all the time, and so do other people. In fact, I bought a printable the other day for my daughter – one that would help her learn the alphabet that I could print out at home for her.
Making printables can be a passive way to earn money. You only need to make one digital file for each product, and you can sell it as many times as you want. All you need is a laptop or computer and an internet connection, which makes it a low cost way to start a business.
Recommended reading: How I Make Money Selling Printables On Etsy
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
4. Investing in real estate
Investing in real estate is a popular way to make passive cash flow while you sleep.
By purchasing rental properties, you can earn a steady flow of rental income from tenants and guests. Also, your property’s value will most likely appreciate over time, which can increase your net worth.
You can invest in residential properties, commercial real estate, short-term rentals (such as starting an Airbnb), REITs (real estate investment trusts), and more. There are pros and cons of each, so you will want to think about that before you get started.
Recommended reading:
5. Starting a YouTube channel
Starting a YouTube channel is another way to make money while you sleep. This is because you can add affiliate links to your videos, generate ad revenue, form brand sponsorships, and sell products within videos as well.
You’ll need to create videos that entertain, educate, or inform viewers, and get as many views to your videos as you can (for the most part, more page views usually does mean more income).
As your YouTube content becomes more popular, you will earn passive income from past videos while working on new content.
Recommended reading: How I Grew From 0 Subscribers To Over $100,000 On YouTube In Less Than One Year
6. Dropshipping
Dropshipping is a type of business where you sell items on an online store, but you don’t do the shipping. Instead, you have a supplier that does the shipping for you.
So, this means that you don’t need to keep any products in stock yourself.
That doesn’t mean that this is easy, though – you have to find trustworthy suppliers and make sure your customers get their orders on time. You will also need to create a website, find a way to differentiate yourself from other dropshippers, take pictures of the items you are selling, answer customer questions, and find ways to grow your store.
The types of items that you can sell in a dropshipping store include clothing, electronics, home decor, pet supplies, luggage, stationary, craft supplies, books, and more.
7. Online courses
I have made over $2,000,000 from selling courses over the years – courses that I have personally created.
Making and selling online courses is a great way to earn money at any time of the day – even while sleeping.
Some examples of courses that can be created include:
Parenting and family
Health and wellness
Woodworking
Dog training
Standardized tests preparation
Playing the guitar
Teaching a language
Traveling
Painting
Cooking
And so much more!
I have taken courses on all sorts of topics over the years, such as baby sleep classes, personal finance, credit card rewards, and so much more.
Creating an online course is one of the fastest ways to use your time, increase your earnings, and help more people.
Recommended reading: How I’ve Made Over $1,000,000 From My First Course Without a Big Launch
8. High yield savings accounts
A high yield bank account is a low-risk method to make extra cash while you sleep.
These types of savings accounts earn a higher interest rate than a regular savings account, so your money grows faster.
You will want to make sure that you pick a trustworthy bank and check the interest rates regularly because they can go up or down. Some people move their money into high yield savings accounts often so that they can get the highest interest rates.
Remember, these accounts usually over the long run have lower interest rates compared to stocks or real estate, but they give you a stable and secure way to earn money.
I personally use Marcus by Goldman Sachs as they have a very high rate. You can get up to 5.40% at the time of this writing through a referral link bonus. According to this high yield savings account calculator, if you have $10,000 saved, you could earn $540 with a high yield savings account in a year. Whereas with normal banks, your earnings would only be $46.
9. Dividends
Buying stocks that pay dividends is another way to earn money while sleeping.
When you invest in these stocks, you get a portion of the company’s earnings on a regular basis.
Here’s how dividends work: If you have shares of a company that gives you money because you own them, that’s called a dividend. So, if you own 10 shares of Company XYZ, and they give you $5 in dividends every year, you’ll get $50 in total for that year. Usually, companies give out dividends four times a year. In the example, the $5 they give you every year will likely be divided into $1.25 for each quarter (four times a year).
Recommended reading: What Are Dividends & How Do They Work? A Beginner’s Guide
10. Rent out your garage
If you have extra land or space in your home that you’re not using, you can make money by letting other people use it for storage.
You can rent storage space for things like cars, boats, boxes, and more. This could be your garage, driveway, closet, basement, attic, or even just a shelf.
A website where you can list your storage space is Neighbor. On this site, you can make between $100 and $400 or more every month. How much you earn depends on how much people in your area want to rent and what kind of space you’re renting out.
Recommended reading: Neighbor Review: Make Money Renting Your Storage Space
10
You can use this website to list your unused space for rent and make up to $15,000 per year by doing so. With Neighbor, you can rent out your garage, driveway, basement, parking lot, shed, warehouse, carport, attic, street parking, or even a closet.
11. Hosting webinars
Webinars are like online classes or workshops about specific subjects (I’ve included a list below of some examples). If you’re an expert in something, you can record a webinar and charge people to attend or sell products and services related to the topic during the webinar.
You can also record your webinars and let people watch them whenever they want, which can bring in money while you are sleeping or on vacation.
For example, you could host a webinar about:
Starting an e-commerce store – Teach participants the ins and outs of setting up and running a successful online store.
Digital marketing strategies for small businesses – You could share online marketing techniques to help businesses grow their online presence, such as tips for TikTok, Instagram, Pinterest, Google SEO, and more.
Stock market investing for beginners – You could share advice and tips for newbies in the world of stocks, mutual funds, index funds, bonds, S&P, and investment portfolios.
How to make money with affiliate marketing – You could teach the strategies behind successful affiliate marketing sites.
How to invest in fine wine – Or, any other type of investment! If there is something specialized that you invest in that is different from normal, you may be able to generate interest in your webinar.
And so much more.
12. Peer-to-peer lending
Peer-to-peer (P2P) lending is when you lend money to people or businesses who need loans, and they pay you back with interest.
Websites like LendingClub and Prosper let you spread out your money to lots of borrowers, which lowers the risk if someone can’t pay you back.
As borrowers make their payments, you get a part of the interest, which adds to your passive income streams that you can make without working.
With a peer-to-peer lending site, people can borrow money from a group of lenders like you and me, rather than from a traditional financial institution like a bank. People use peer-to-peer lending sites for all sorts of reasons such as debt consolidation, home improvement, small business financing, investment opportunities, and more.
13. Selling stock images and graphics
If you like taking pictures, you can make money in your sleep by selling stock images on websites like Shutterstock, Getty Images, or Adobe Stock.
People buy stock images for all sorts of reasons, such as to put on their website, within articles and blog posts, on social media, and more. I buy stock images all the time because they can help to make a blog post more enjoyable to read (you can find several stock images within this blog post, in fact).
A great thing about stock content websites is that they can bring in money even when you’re not actively working. You take pictures, put them on the site, and they can keep making money for a long time.
Some common types of pictures that you can sell include travel, business, people, food, animals, health, fashion, sports, and more.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
14. Start a membership site
Creating a membership site where people pay a regular fee (such as each month or each year) for special content, resources, or services is a way to make money.
Some examples of membership sites that you can start include:
Stock image library – You can sell a collection of pictures or videos that subscribers can use for their own projects (such as their own business). Subscribers pay for access to this media library. I personally have been paying for a stock photo membership for years, and I think they are amazingly helpful.
Newsletter – Send valuable and special content straight to your subscribers’ email inboxes regularly where you charge a subscription fee for access.
Mastermind groups – You can form small, focused groups of individuals who come together to support and challenge each other in achieving their goals, and you charge a membership fee for participation. I have seen mastermind groups go for anywhere from free to tens of thousands of dollars a year to participate.
Freelance job board – You can start a site where freelancers can find real job listings and opportunities. Members pay for access to these job listings because they want to find real jobs that pay (instead of having to weed through fake ads or low paying ones).
Consulting or coaching services – You can give personalized advice, coaching sessions, or access to a private community for members looking for guidance in a specific area, like life coaching or business consulting.
Fitness membership – You can create a platform with workout plans, meal plans, and wellness tips. Members pay a monthly fee for access to this content.
Digital downloads library – You can create a library of downloadable resources like ebooks, templates, or software. Subscribers gain access by becoming members.
Community forum – You could create a community around a shared interest or hobby where members can engage in discussions, ask questions, and share experiences, and you charge a fee for access.
Online courses membership – You can start a platform where you have courses on a specific subject, like photography, cooking, or digital marketing, where subscribers then pay a monthly fee to access the content.
Keep in mind, the secret to a successful membership site is giving real benefits to your subscribers. So, whether it’s great content, a helpful community, or useful resources, make sure your members feel like they’re getting what they paid for so that they keep their subscription for months and years to come.
15. Sleep studies and mattress testing
Taking part in sleep studies and mattress testing will most likely not be a long-term, reliable source of income, but it can earn you some extra money while you literally sleep.
You can find these by researching local sleep clinics or mattress companies that have paid studies or testing. Many universities also pay for sleep studies, such as the Harvard Division of Sleep Medicine.
The amount of money you can make depends on the specific study or testing, but it can be an interesting way to earn some extra money or get a free mattress for your time.
16. Vending machine business
Running a vending machine business can be a good way to make money, and you can sell different kinds of products. You may be able to earn over $1,000 a month with a well-run vending machine business.
Here are some ideas of what you can sell in a vending machine:
Snacks and drinks:
Chips
Candy
Nuts and seeds
Cookies
Soda
Bottled water
Energy drinks
Juices
Healthy and organic food:
Granola bars
Dried fruits
Nut mixes
Organic snacks
Low-calorie drinks
Hot drinks:
Coffee (regular, decaf, specialty)
Tea
Hot chocolate
Frozen treats:
Ice cream
Frozen yogurt
Popsicles
Fresh food:
Sandwiches (pre-packaged)
Salads (in sealed containers)
Fruit cups
Yogurt parfaits
Personal care and hygiene items:
Tampons and pads
Toothbrushes and toothpaste
Hand sanitizer
Makeup
Vitamins and supplements
First aid kits
Pain relievers
Electronics and accessories:
Phone chargers
Headphones
Power banks
Office and school supplies:
Notebooks
Pens and pencils
Sticky notes
USB drives
Specialized items:
Fishing bait and supplies
Beauty and skincare products
Baby items (diapers, wipes, toys, snacks)
Recommended reading: How I Make $7,000 Monthly With A Vending Machine Business
17. Amazon FBA
Amazon FBA (Fulfillment by Amazon) is where sellers store products in Amazon’s fulfillment centers, and Amazon handles customer shipping, returns, and customer service on the seller’s behalf. By using FBA, you can sell a variety of products without worrying about storing inventory or handling shipping logistics.
You would be finding the products to sell, though. Even if you have no experience selling on Amazon, you can earn money selling household goods, toys, books, electronics, and so on.
If you want to learn more about starting an Amazon business, I recommend signing up for this free training that will teach you how to sell products on Amazon and make $100 to $500 per day.
Recommended reading: How To Work From Home Selling On Amazon FBA
18. Write a book
People can buy books at any time of the day, including while you are sleeping.
Self-publishing online platforms, such as Amazon KDP (Amazon’s Kindle Direct Publishing platform), allow you to reach a broad audience without the need for a traditional publisher.
Writing your own book is a great way to make money from home, and there is probably something helpful that you could write about (even if you think otherwise!). One very popular topic right now is romance novels, in fact.
Recommended reading: How Alyssa is making $200 a DAY in book sales passively
19. Develop and sell an app
If you have technical skills, developing and selling an app can be a way to make money overnight while you are sleeping.
Creating your own app, whether it’s a helpful tool, a fun game, or something else, can help you to make passive income.
Even though it will take some work and money up front, once your app is in the app stores, it can generate revenue no matter the time.
Some ideas for apps that you could create include a budgeting tracker, meal planner, fitness tracker, meditation app, travel itinerary planner, and more.
You will want to do some research, and make sure that there are people who want to use the app that you are thinking about creating, of course. You could start brainstorming ideas by thinking about what kind of app you think could be helpful in your life to have.
Frequently Asked Questions On How To Make Money While You Sleep
Below are answers to common questions on how to make money while you sleep.
What is passive income?
Passive income is money you earn without actively working, and instead, it comes from investments, businesses, or assets that require minimal effort on your part. Now, that doesn’t mean that making passive income is easy, as you will most likely have to put in a lot of work in the beginning to get started. But, it can be well worth it to make money at any time of the day. Passive income is personally my absolute favorite way to make money.
Which businesses make income overnight? What businesses make money while you sleep?
A few businesses that can generate income even when you’re not actively working are online stores, affiliate marketing websites, and selling printables. These businesses run online, making them accessible to customers 24/7 so people can use them.
What did Warren Buffett say about making money while you sleep?
Warren Buffett, a successful investor and businessman, is quoted as saying, “If you don’t find a way to make money while you sleep, you will work until you die.” This goes to show how important it is to find ways to make money without constantly working a regular 9-to-5 job.
What is the best way to make money while you sleep? – Summary
I hope you enjoyed this article on how to make money while sleeping. As you can see, there are many full-time jobs and side hustles to make money while you sleep such as:
Blogging
Affiliate marketing
Selling printables
Investing in real estate
Starting a YouTube channel
Dropshipping
Selling online courses
Putting your money in high yield savings accounts
Dividends
Rent out your garage
Hosting webinars
Peer-to-peer lending
Selling stock images
Start a membership site
Sleep studies and mattress testing
Vending machine business
Amazon FBA
Write a book
Develop and sell an app
Do you want to learn how to make money while you sleep?
CD rates have been slowly dropping for several weeks, and last week was no different. Bread Savings, MYSB Direct and Rising Bank all lowered the annual percentage yield on some of their CD accounts. But while past weeks have seen rate drops largely limited to long-term CDs, last week’s drops were across a range of common terms, from six-month to five-year CDs.
What does this mean for savers?
If you’ve been considering opening a CD, now is the time to do it. Whatever your savings timeline, rates remain high overall — but they’re slipping. So the longer you wait, the lower your earning potential could be.
Experts recommend comparing rates before opening a CD account to get the best APY possible. Enter your information below to get CNET’s partners’ best rate for your area.
Today’s best CD rates
Here are some of the top CD rates available right now and how much you could earn if you deposited $5,000 today.
CD rate trends — where are APYs heading?
CD rates have steadily increased since March 2022 as the Federal Reserve regularly raised the federal funds rate to combat inflation. This rate affects how much it costs banks to borrow and lend money, so the higher it is, the higher banks raise their CD rates to attract new customers (and their money).
But with inflation finally cooling, the Fed has opted to pause rate hikes at its last two meetings. As a result, banks have begun easing their rates. Here’s where rates stand compared to last week:
Term
CNET Average APY*
Weekly Change**
Average FDIC rate
6 months
4.93%
No change
1.43%
1 year
5.26%
No change
1.85%
3 years
4.35%
No change
1.39%
5 years
4.10%
-0.24%
1.39%
*APYs as of Dec. 4, 2023. Based on the banks we track at CNET. **Percentage increase/decrease from Nov. 27, 2023, to Dec. 4, 2023.
From Nov. 27 to Dec. 4, rates have remained largely unchanged, with only a 0.24% decrease in average five-year CD terms. However, this is looking at overall averages. On a more micro level, several banks have lowered their CD rates recently, and experts expect rates will continue to decline over the next several months.
“Consumer Price Index (CPI) numbers for October showed below-expectation inflation for both headline CPI (3.7% to 3.2%) and core CPI (4.1% to 4.0%),” said Jesse Carlucci, Ph.D., CFP, chief investment officer at Arrow Investment Management. “Together with comments recently from the Federal Reserve chair, Jerome Powell, this has led to the expectation that we have reached the peak of the interest rate cycle.”
Why you should open a CD now
CD rates aren’t likely to drop dramatically in the near future, but even the gradual erosion we’ve seen lately makes a difference in your bottom line. When you open a CD, you lock in the current rate in exchange for agreeing to keep your funds in the account until the term is up. That means your earnings are guaranteed even if rates go down in the future. High-yield savings accounts, by comparison, have variable rates that rise and fall in response to federal funds rate changes.
“[CDs] are a good place to keep short-term savings, like saving for a baby or to buy a home,” said Bola Sokunbi, founder of Clever Girl Finance and CNET Financial Review Board member. “Although CDs might have penalties for early withdrawal, you could look at those penalties as an incentive to leave your savings alone if you don’t really need to touch it.”
In addition, CD accounts with FDIC-insured banks or NCUA-insured credit unions are protected up to $250,000 per person, per institution if the bank fails. This makes them a low-risk way to grow your savings and enjoy peace of mind.
Factors to consider when selecting a CD
APY is an important factor when comparing CD accounts, but it’s not the only one.
“I wouldn’t stress too much about the difference in a few tenths of a percentage,” said Bernadette Joy, a personal finance coach and CNET Financial Review Board member. “But I do think it’s important to make sure the CD is at least earning more than comparable high-yield savings accounts. HYSAs are more liquid, and if you’re going to lock up your money for several months, you should get paid more to do so than an HYSA.”
In addition to comparing APYs, you should also weigh the following when choosing a CD:
How soon you’ll need the funds: Most banks charge a penalty if you withdraw money before the CD matures. This can eat into your interest earnings. So, be sure to choose a term that fits your savings needs.
Minimum deposit: Some CDs require a certain amount to open an account — typically, $500 to $1,000 — while others have no minimum deposit requirement. This can narrow down your choices.
Monthly fees: Fees can erode your balance. Many online banks don’t charge maintenance fees. They have lower overhead costs than banks with physical branches, and they pass these savings down to consumers through higher rates and fewer fees. Still, be sure to read the fine print for any account you’re considering.
Federal deposit insurance: Confirm that any institution you’re considering is an FDIC or NCUA member to ensure your money is protected in the event of a bank failure.
Customer service: Read customer reviews and ratings on sites like Trustpilot to make sure the bank is responsive, professional and easy to work with.
Methodology
CNET reviews CD rates based on the latest APY information from issuer websites. We evaluated CD rates from more than 50 banks, credit unions and financial companies. We evaluate CDs based on APYs, product offerings, accessibility and customer service.
The current banks included in CNET’s weekly CD averages are: Alliant Credit Union, Ally Bank, American Express National Bank, Barclays, Bask Bank, Bread Savings, Capital One, CFG Bank, CIT, Fulbright, Marcus by Goldman Sachs, MYSB Direct, Quontic, Rising Bank, Synchrony, EverBank, Popular Bank, First Internet Bank of Indiana, America First Federal Credit Union, CommunityWide Federal Credit Union, Discover, Bethpage, BMO Alto, Limelight Bank, First National Bank of America, Connexus Credit Union.