In Cash Flow, Financial Planning, Personal Finance, Spending

What if I told you there was a way to make more money without having to work more to earn it? There are several ways you can make more cash without having to clock more hours to make it happen.

While some upfront effort may be required to create new streams of income or get your money working harder for you, you can eventually find yourself making more money by doing absolutely nothing.

Here are 8 ways you can make more money with minimal effort.

1. Shop Through Ebates

Stores pay Ebates a commission for sending shoppers to their websites and they share those commissions with you. You can earn up to 40% cash back just from doing your online shopping through Ebates.

2. Become a Formal Referral Source for Local Businesses

Nielsen reports that people are four times more likely to buy when referred by a friend to a particular business. Therefore, you can make yourself valuable to other businesses if you make qualified referrals. In some cases, you may even be able to create a formal referral arrangement where you get paid a percentage of the sale if your referral converts to a customer.

3. Incorporate Affiliate Links on Your Website

If you already have a business website or blog, consider adding affiliate links to your site if you mention other products or services on it. You could earn a little cash every time someone clicks a link. That’s easy.

4. Write a Book (and get it published)

Writing a book obviously takes some upfront time, but it could become a source of income that keeps on giving if you having something worthwhile to write about. Subject matter expertise or a well-written piece of fiction could be your ticket to making more money on an ongoing basis after the initial investment of time.

5. Sell an Online Resource

Similar to writing a book, selling an online resource like an online course or step-by-step guide on an in-demand subject can be a great way to make more money. The low-cost of these items make them easy for consumers to buy and if it’s valuable and evergreen, it could become something consumers continue to buy for years.

6. Wrack Up Your Cashback Rewards

When you use credit cards to buy your day-to-day purchases, you might as well use cards with the best rewards programs that can offer you the greatest incentive. Credit cards like the Amazon Prime card offer up to 5% cash back on Amazon purchases, but sometimes as much as 20% cash back on specific items or categories of items.

7. Invest Your Money

If you aren’t investing your money, you’re missing out on one of the most effective ways to make more money by doing absolutely nothing. Investing in a properly diversified portfolio based on your individual needs and financial goals can help you build wealth through the mechanism of compound interest, whereby the money you invest earns interest and that earned interest continues to earn interest and so forth.

If you are just starting out with investing, robo advisors like Betterment and WealthFront offer online investment platforms with low minimums. If your finances have grown more complex and you’re looking to work with a financial professional, a fee-only fiduciary financial advisor such as myself, can help you plan your finances, invest your money, and reach your financial goals.

8. Save Your Money with High-Yield Savings Accounts

In the same way, saving a portion of your money in cash makes sense for emergencies and other short-term financial goals. Utilizing high-yield savings accounts can help you earn a little bit more money just by banking with a particular institution. To see the current list of the best high-yield savings accounts, visit


This is just a brief look at ways you can make more money by doing absolutely nothing, but there are certainly more ways to make money. The bottom line is to discover ways to create passive income streams that allow you to earn more without having to expend a ton more effort, at least after the initial set-up.


I am super excited to offer readers of the FRANKly SPEAKING Financial Planning Blog access to Future Map Financial’s secure Financial Planning Tool. This free tool will help you:

  • Create financial goals.
  • Review your cash flow history by aggregating your financial accounts (i.e. checking acct, savings acct, credit card accts, student loan accts, etc.). The account aggregation tool pulls in all your financial transactions for the past three months and updates daily.
  • Establish and monitor your budget.

Access the secure Financial Planning Tool by clicking HERE


Be sure to visit us again in two weeks for the next issue of FRANKly Speaking where you’ll find out how you can put your cash-savings goals on autopilot!


As always, I invite you to reach out to me – in real life – with any comments, feedback, or questions! [email protected] Are you ready to take the first step towards securing your financial future? If so, schedule your free 45-minute no-obligation consultation with me today. Schedule Your Consultation with Frank.

Disclaimer: The information contained in this article is for informational purposes.  None of the information provided in this article is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. Please consult with your accountant, finance professional, and/or legal counsel regarding your specific circumstances. Reproduction of this material is prohibited without written permission from Frank Shields, and all rights are reserved. Read the full Disclaimer.

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  • Steven

    Well done

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