Stable income without investments. Passive earnings on the Internet: programs, applications, add-ons, browser extensions, services and projects with and without investments

Passive income - receiving additional material resources with little investment and minimal effort. Sooner or later, any person will think that one desire to earn more is not enough. Permanent part-time jobs take a lot of time and do not give enough money, the moment has come for something cool.

About passive income

There is a category of people who do not work in the generally accepted concept, but live only on income from passive income. Their income is made up of interest or dividends from a financial asset, rental housing, copyrights. There are many ways to earn passive income without initial capital, but this method will require a lot of effort to implement.

To create an additional inflow of funds, you need to work hard and hard - a few years of active work will allow you to break out of the routine of a vicious circle and become an independent person independent of the employer.

Types of passive income

There are several options for obtaining additional material resources.

Finance or investment - involves the investment of certain amounts of money with the subsequent receipt of profit. The main sources are presented:

• bank deposits;
• leasing real estate or equipment;
• securities;
• own business.

1. Creation of training materials;
2. Writing books, songs, poems;
3. Obtaining patents for inventions.

Marketing systems - imply the creation of a network business structure, a personal brand, commercial Internet sites.

Bank deposits

Banking organizations offer several ways to place material resources with interest accrued on them.

Common contributions include:

1. On Demand – money deposited into the account can be claimed at any time. This form of investment provides for a minimum interest rate, the bank can change the rate at its discretion.
2. Urgent - open for a certain time: from 3 months to 5 years.

These contributions are further divided into:

• on savings - they cannot be replenished or partially withdrawn from them, they have the highest interest on deposits;
• cumulative - allow you to deposit amounts as needed, monthly set aside part of the salary;
• settlement allow you to carry out operations for the withdrawal and replenishment, have the lowest interest rate.

Banks allow the creation of deposits in any currency or domestic money.

Passive income experts advise you to familiarize yourself with the offers of all banks before opening an account, carefully study the agreements, and view the reviews of depositors.

Investing in real estate abroad and in Russia

The acquisition of real estate in the territory of the Russian Federation or one of the foreign countries allows not only to save the existing capital, but also to receive a source of permanent passive income. It is not only about buying an apartment, but also small hotels, tenement houses, buildings.

After buying a property abroad, there is no need to visit the property every month to collect the rent. There are agencies that carry out this mission for a certain monetary reward, which is negotiated within the framework of the concluded agreement.

The amount of income directly depends on the size of housing, its condition, location. The cost of rent is higher in expensive cities or popular resorts, but you will also have to invest more money in housing.

Starting a Franchise Business

Acquisition of rights to the brand and business model of well-known retail chains, restaurants and other companies will allow you to quickly get real profits.

An entrepreneur does not need to conquer the sales market, to prove the advantages of a new business: it is enough to purchase a package of documents and implement a working scheme.

A franchise business will give maximum income in the absence of competitors in the region or city. The parent company will help to hire and train staff, to choose the right premises. A ready-made business project is more profitable than independent undertakings - the risk of losing invested material resources is reduced to zero.

Opening your own business

Initially, when opening a business, you will have to work on your own. Experts recommend starting with an automated service sector, in which you do not need to hire service personnel:

• automatic washes;
• vending machines: selling coffee, sweets, popcorn, drinks.

Any new business will require material investments, a well-thought-out strategy. Installing the machine on the outskirts in a little-visited place will quickly lead the owner to ruin. Aspiring entrepreneurs should remember that not all activities lead to the creation of passive income. The need to control employees requalifies it as active, with mandatory checks on the operation of a store, enterprise, workshop or restaurant.

Become an investor

By investing is meant one of the ways how to make money work. The investor does not need constant presence and control - he receives his share of passive income. This type of activity has certain risks.

Before you start investing, you need to study the market, find out which direction is safer and which is better to avoid.

It is better for beginners in this area to start with a minimum investment: the income will be less, but the probability of losses will also decrease. Only after a complete study of the investment structure, they invest in a serious direction that guarantees a good profit.

Where can funds be sent?

• in the purchase of land, payment for construction;
• patents, licenses, trademarks, copyrights;
• currency, precious metals.

Professionals point out that if operations last more than a calendar year (long-term investments), then they are called investments. Anything less than the specified period falls under the concept of speculation.

Shares and dividends

A share is a share of ownership of an enterprise that secures the owner's authority to receive dividends.

There are two types:

1. Standard - have the right to express claims or opinions at the meeting of the joint-stock company, take part in the distribution of income. The amount of profit is determined at a meeting of the board of directors, depends on the amount of invested funds (acquired shares).
2. Privileged - have restrictions on the rights to manage the company. Dividends are paid both from income and other resources - in accordance with the rules prescribed in the charter of the organization.

Before buying shares from a broker, you need to ask about the real state of the company. Some firms cannot pay the required remuneration, which means that the acquired shares will not be a source of passive income.

Securities

They are monetary documents indicating the acquisition of authority to share property (in shares) or the provision of loans (in bonds).

The list of securities is presented:

• bills;
• banking, deposit, savings certificates;
• mortgages, etc.

From the point of view of lawyers, they refer to movable property, from the point of view of economists - to capital.

Create an app

Computer innovations are profitable sources that allow you to easily receive passive income. The statement concerns applications for smartphones - their users are more likely to download new items, trying to make their lives easier.

Fresh ideas will help you quickly take first place in current programs. Uniqueness and dissimilarity to the rest is the main criterion for the wide distribution of applications among users. You can learn the basics of programming by taking specialized courses: there is enough free training on the network. In extreme cases, you can hire a specialist who will quickly bring the idea to life, allow you to release the application and receive passive income.

Create your course online

The organization of training is suitable for people who have personal experience and experience in any type of employment.

A high-quality live course is in great demand - most site visitors do not have free time to travel to centers of excellence.

You can interest users with your own brand, which you will have to work hard on. A respected expert in certain issues is the area where a novice teacher should strive. Preparation for the formation of a name will take from several months to a calendar year.

The amount of earnings depends on the type of activity, brand promotion. Someone stops at a mark of several thousand dollars, others manage to receive 10-20 or more thousand dollars a month. It is difficult to guess the popularity of the course, it all depends on the needs of the population at the time of its creation. Demanded areas include:

• marketing research;
• business through online;
• promotion of Internet sites;
• image processing;
• design services, etc.

Teaching does not have to take place live - it is enough to make several recordings in which there will be the most detailed and necessary information for users. Brand recognition and the relevance of training will allow you to receive your passive income.

Constant demand is based on periodic updating of information, the emergence of new video tutorials.

Create a website or online store

Knowledge of the basics of market activity, computer skills will allow you to create a source of profit practically from scratch. To do this, you need a sufficient number of hours free from the main work and a desire to learn.

Promoted Internet sites give good passive income.

Permanent profit from a personal site does not appear overnight, requires upfront work, and can take anywhere from a few months to two years. After creating a new page or blog, the owner must be aware that the lack of new content will lead to a loss of user interest in it.

Regular passive income from the website starts from $100 per month. With regular updating of information and the use of additional techniques, such a site can bring in the order of several thousand dollars. A promoted site with a stable income is easy to sell: the final cost will be equal to 12-15 months of payback.

Creating profitable websites and then reselling them is one of the most common online businesses. Additional ways to make money with an existing page include:

• sale of links;
• placement of all available types of advertising (adsense, YAN);
• custom articles;
• sale of places for graphic advertising images;
• affiliate programs - with a recommendation to purchase goods, services through links;
• sale of educational materials.

Online stores are divided into two categories: own or partner.

Opening your own store will require a lot of time, nerves and investment of material resources. With the right approach, the first profit should be expected in 1 year. The most inconvenient option is to open a store in the form of a group on a social network, but it does not require the cost of creating it.

The cost of a site for an online store starts from 3 thousand dollars, then the hosting payment is added to the costs. On a free platform, a profitable business will not work. In the future, income depends on the goals set, the relevance of products, advertising. Statistics report that the owners of such sites have a very tangible income.

Affiliate is created by registration in the relevant programs of online stores. The option is less profitable, but it makes it possible to receive income practically from the beginning of the journey. Average earnings - from 5 to 25% of sales. Before concluding an agreement, you should carefully read the terms and conditions of the parent company.

Passive income from online stores can be based on product sales and advertising networks.

blog on youtube

Own page on video hosting allows you to shoot videos of any category: informational, review, music, educational, humorous, pranks, vlogs and others. It is enough to make sensible material and put it on your page. When building an audience, videos are connected to a free tool that allows you to display ads - Google AdSense. The owner of the video gets paid for it.

The key task of a blogger is:

1. Periodic updating of the material on the page;
2. Sufficient number of videos;
3. High-quality and interesting stories that attract the attention of the audience.

A blog on YouTube is a stable source of passive income, provided that the interest of page visitors is maintained. Violation of the rules of video hosting can lead to the blocking of the page and the loss of the assembled audience.

write a book

Many sites, including WebMoney, allow you to post your own written literature for sale.

The direction of books can be anything: from children's fairy tales to economic or legal literature. Literature can be sold on your own sites or through partnerships with other Internet pages that are relevant to the subject matter of the written. The same list includes literary publishing houses that publish books in paper form. It is more difficult to become a staff writer in them, but you can still write your own book.

Conclusion

Passive income is the dream of every person who goes to work every morning. The above methods are not the whole list of opportunities to get additional material resources. To gain financial independence, you need to remember the simple rules:

1. Finding time to create assets - one business may not be enough, you need to constantly look for sources of additional income. When reviewing hundreds of options, there will definitely be an actual and simple one that does not require serious material costs.
(votes: 1, average 4.8 out of 5)

Freelancer, creative and business

Constantly and most importantly guaranteed, getting a certain income every month is the dream of any investor. Money works without your participation and any effort and brings even more money. How to achieve this? Answer - you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of invested funds. And let's say, for novice investors, the profit received from their investments will be relatively small. But you need to start somewhere. After all, the very fact of generating very attractive. In order for income to grow, you need 2 things: periodically invest additional money and constant. In law - over time, even the most modest capital can turn into a rather impressive amount, the profit from which will give you a significant financial flow in the form of a monthly income from the placed funds.

Where can you invest money to get a constant monthly income?

We buy with different coupon dates. It is on these dates that you will accrue profit. You can build a portfolio of bonds in such a way that monthly profits will be credited to your account. Usually the duration of the coupon is 91 or 182 days. Every 3 months or half a year, the profit from the purchased bond will go to your account.

Advantages. Higher yield. Clearly predicted and fixed income. High (you can instantly sell bonds without losing accrued profits).

Flaws. Probability of bankruptcy of the issuer that issued the bonds. For blue chips, this probability is small. For OFZ (federal loan bonds) and municipal bonds, it is practically zero. Usually (although very rarely) the so-called third-tier companies (junk bonds) go bankrupt. Avoid buying them and you'll be fine.

4. Dividend shares . Buy, which consistently pay dividends. And not just dividends, but. On average, in the Russian market, this amount is 3-6% of the value of shares. There are companies (but there are few of them) whose dividends are slightly higher and amount to 8-10%. Judging by the latest payments, these are Surgutneftegaz, MTS and M-video.

Of course, the profitability is still small, but if you consider that you are buying a piece of a working (and successful) business, then with the further development of the company, the profit will also grow.

For example. The price of shares in the stock market is very volatile. They can "walk" within 20-30% during the year, both up and down. At the beginning of the year, the shares of SurgutNeftegazP cost almost 50 rubles apiece, then the price fell almost 2 times within six months, to 28 rubles. Considering that the yield on average is 10% per share (at a price of 45 rubles) or 4.5 rubles, buying at the “day” at 28 you would secure a future yield of 17% per annum. And if the company's profit continues to grow, then the annual yield will easily exceed 20%.

Advantages. Having bought a "piece of business" in the form of dividend shares, you will be entitled to count on a share of the company's profits. You can find, thereby obtaining even more annual profitability. With the development of the company, profits will increase, which means that dividends will also grow.

Flaws. Uneven distribution of dividends. The lion's share of payments occurs in the second quarter. Some companies pay dividends twice a year. High volatility in the stock market. Purchased shares can significantly fall in price. But if you are aiming (several years), then it will give you the opportunity to purchase additional shares at bargain prices.

Finally

It is possible (and even necessary) to receive passive income every month. There is nothing complicated about this. The listed methods are available to everyone. And don't forget. Divide your funds into several parts, and use them to make a profit in each way. So, of course, the overall profit will decrease, but you will greatly reduce the risks when investing.

We all dream about getting money and doing nothing. Imagine this. You are sitting by the pool with a glass of freshly squeezed orange juice. The idea creeps into your mind that you need to visit another sunny country. And at this time, every minute there is more and more money in your financial account. Unfortunately, only a few take any steps to make their dreams come true. Creating passive income is not exactly a difficult task, but the result of such actions gives you a completely different life. I would like to tell you about 5 simple steps that will give you the opportunity to create passive income.

1 step. A burning desire to change your life.

First of all, you must develop a burning desire inside yourself to be free, to do whatever you want, to be with those people who understand and love you. In order to make the desire to create passive income even greater, imagine how every morning you reluctantly go to your unloved job, where you obey your boss, fulfill his stupid wishes, constantly have to stay late. Do you want another? So get angry at this situation and say that you will do everything to receive passive income and do whatever your heart desires. And to maintain your “burning” desire, you must compare the situation that you have at the moment every day and imagine the “life of your dreams”. So we figured out what needs to be done at the very beginning of the path of creating passive income.

2 step. Change the mindset of a poor person to that of a rich man.

Try to answer one question: “Why do you have only your 20,000 rubles of monthly salary from your income?” The answer is simple. You have a poor man's mindset. You don't see any other way to get money other than being hired. You have a lot of fears in your head so that money can come to you in large quantities. As a result, a boring, dim, ordinary life of an ordinary resident of Russia. And I am sure that you want another, and therefore you are reading this article now. So your next step in creating passive income is to change your financial mindset. To do this, I recommend that you read only 2 books. At one time they changed my thinking. These are Rich Dad Poor Dad and the CASHFLOW Quadrant. The author of these books is Robert Kiyosaki. In his books, he shows how you can create passive income by changing your mindset. After reading them, I am sure you will look at your income and expenses, your assets and liabilities differently.

3 step. Learn to save money for investing.

It must be understood that the creation of passive income without investments is impossible. You will definitely need money to create various sources of passive income. Therefore, it is necessary to set aside some part of the money from your main income each time. There is a certain golden rule that must be observed. It's called the 10% Rule. Every time you have to save 10% of your income. I received a salary of 15,000 rubles - be so kind as to set aside 1,500 rubles and don’t touch them at all. At first this will be very difficult to do. Well, then it will become a habit for you. You will understand that it is quite easy and soon you will increase the amount of money set aside. A good result is 25% of the deferred money from income. And when you can save 50%, then you can create passive income for yourself faster.

4 step. Choosing the type and source of passive income.

Next, you will have to figure out what types of passive income are. Some will be better off if the cash flow comes from offline (for example, passive income from real estate), and some will find it easier to create passive income on the Internet. Maybe you will be great at writing articles on a topic that interests you about bicycles. Then you can run your blog and earn passive income from the site.

5 step. Investing money in a source of passive income.

After that, you need to invest your accumulated money in the chosen source of passive income. Those. in other words, you must buy an asset that would bring you passive income. A simple example is buying an apartment to rent out. The purchased apartment will become your asset and will bring you additional income every month.

Video about passive income. Parable of Pablo and Bruno

Pablo and Bruno choose two completely different paths to achieve financial independence. What are you going to see? A great animated film about their adventures. So sit back, relax and watch a lesson on how to change your life - the parable of the plumbing.

Far, far away in a small village near a beautiful valley lived two friends - Pablo and Bruno. Both of them were young and wanted a better life for themselves. Often they shared dreams with each other about how they would become the most successful people in the village. They were not afraid of hard work and looked for opportunities to achieve their goals and fulfill their dreams. And once such an opportunity presented itself to them.

The village chief decided to hire two people to carry water from a spring on top of a mountain across the valley to the village. The payment for labor depended on the amount of water delivered to the village. Bruno and Pablo enthusiastically set to work.

Every day, from morning to evening, they carried buckets of water from the source to the village. They did their job stubbornly and diligently. Every evening they returned home with their daily wages. Bruno was happy with his job and the money he was making. He was sure that this work could fulfill his dream. Bruno decided that in order to increase his earnings, he needed to take larger buckets so that more water could fit in them. He hoped that the increased income would soon allow him to buy a cow and the house he dreamed of.

But Pablo was unhappy. At the end of each day, his back and legs ached. He felt frazzled. Pablo was looking for an easier way to earn more and one day an idea came to his mind. He imagined how he would build a water pipe to bring water from a mountain spring to the village. This plumbing would allow him to carry more water without carrying any buckets. He soon got excited about the idea and began planning.

Pablo suggested that Bruno build a water pipe together, but he decided that this idea was meaningless. All Bruno was thinking now was how to make money faster. He believed that it would take a lot of time to build a water pipe and that he would achieve his goal later. Instead, Bruno took out a bigger bucket and began to carry water faster. He was sure that this way would bring him more money.

Pablo decided to build the plumbing alone. He understood that it would not be easy and take a lot of time until the plumbing was completed. Pablo knew that it could take him several years to build. But he focused on his idea. Every day he worked and carried water as before, but in his spare time he built his own plumbing. In the first month, he had nothing to brag about. Bruno and the villagers laughed and teased him. They called him Pablo the Plumber.

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At the same time, Bruno's income doubled. He has already bought a cow and a big house. His life changed. Now he spent his time after work at the bar, enjoying what his hard-earned money gave him. But he didn't realize that his back was hunched because of the hard work. The face was emaciated and the body emaciated. Soon he began to carry less and less water due to the fact that his health was deteriorating and deteriorating.

Pablo worked month after month. Soon a year passed, and then another. Finally the building was completed. Pablo was now making more money than Bruno. The flow of water to the village did not stop for a minute while Pablo rested, slept and ate. Pablo was happy and could be proud of his insight, diligence and perseverance. Now the money flowed to him as well as water in the tap.

The story of Pablo and Bruno is a reflection of real life. We usually try to increase our income by working more and more, working in our free time or working two jobs. We are also trying to increase our monthly salary, which leads to more employment and less free time.

Most of us trade time for money. We know that each person has only 24 hours a day and that it is impossible to devote all the time to work. The hardest times come when we can't trade time for money due to age, health, or any other reason. And then our income stops.

And Pablo didn't trade his time for a limited income, but he did use some of his time to build the plumbing. He knew that the plumbing would begin to bring a steady income. Pablo knew that the time would come when he would not be able to exchange time for money. But what about you? Are you still the same as Bruno, or do you want to be like Pablo and receive passive income. You can start building your financial flow right here and now.

7 reasons to create passive income

Freedom.

Everyone needs money to survive in this world. To do this, we go to work, where we “plow” for a whole month for a tiny salary. When we work for someone, we are not free and dependent. We do not have the right to our opinion and choice of actions, everything is already written in job descriptions. And, if you have passive income that exceeds your monthly salary, then you have the opportunity to choose and act. You decide when and what you do. Creating passive income allows you to reach a new level of financial development.

Time.

If you create several sources of passive income that bring you high profits, then you have a large amount of time released. You can use this time as you wish. Someone visits him with people close to him, someone travels, and someone begins to create his own business or another type of passive income.

Independence.

If you have a passive income, then you will not care about salary delays at work, lost bonuses and bonuses. The resulting profit from liabilities gives you the understanding that you are independent. This removes your fear of being left without money and allows you to be more liberated in your actions.

Safety.

When you know that every month you will have money from passive income, then a feeling of security comes. You don't have to worry about where to get the money for food, clothing and housing. Even if you get sick and have to quit your job, there is a whole wall of cash flow behind you.

Confident future.

Each of us thinks about our future. What will happen to us when we can no longer go to work. Who will support us? Everyone thinks about retirement all the time. But in the realities of our country, a pension does not provide a secure life in old age. Therefore, by creating various sources of passive income, you create your bright financial future.

Stability.

If you correctly create a passive flow, you will constantly receive money at the same time.

Mobility.

How it freezes when you have to sit in the office all day. Everything is on schedule, lunch is on schedule. And if you violated the internal regulations, then a deduction from your monthly salary will follow. Passive income saves you the effort of exchanging money for time. At a time when money is earned by yourself, then you can afford anything. You can travel, do yourself and other things that you like.

These are only a small part of the advantages that passive income can give us. I would also like to note that, unlike wages, the passive flow does not have a “ceiling” of profitability. How much money you will receive depends only on you.

Passive income without investment...

Many people want to create passive income and at the same time often enter queries such as “passive income without investment” in the search. Of course, everyone wants to relax in the Maldives, drive a cool car and not lift a finger. Wake up! That doesn't happen...

Creating a passive income is a very difficult and long-term business that requires a burning desire, willpower, motivation and, of course, real action from any person. Passive income arises from the creation or purchase of assets that generate cash flow.

Sometimes, as passive income without investments, you can count such sources of income as affiliate programs, creating your own information product or website. Yes, income from such assets can be passive, but first you still need to invest.

Passive income is just a consequence of your investment in some asset. So without what kind of investments you will not be able to secure a cash flow?

Passive income without investing in your education is impossible!

In general, passive income is the result of long investments not only in assets, but also in yourself, in your education. As Robert Kiyosaki says, you need to increase your financial IQ, otherwise you will remain in the cash flow quadrant, where everyone works for a salary. Start reading books and read Rich Dad Poor Dad first. Again, do not limit yourself to the financial sector. Develop spherically, i.e. work on every area of ​​your life. Finance without health will not come to you either.

So sign up for a gym or a martial arts course, buy a bike, or start swimming. Also develop in the field of communication with people. The more you communicate, the more you will have friends who will help you. If you do not develop as a person, then you will not see a money pipeline, as in the parable of Pablo and Bruno. Money comes only to strong and educated individuals.

Passive income without investing your own time is impossible!

Time is one of the main resources in life that we manage. Some people use their time productively and some don't. Any source of passive income requires an investment of personal time. To begin with, you must figure out how a source is created, how much money it can bring per month, what are the risks that you will lose it. All this takes time.

Then comes the process of actually creating or acquiring. And this is also the time. For example, it will take you less time to receive passive income from pamm investments than to create your own website and sell ads from it. Passive income is not created in seconds, this process can take weeks, months and even years.

Passive income without investing money is impossible!

In most cases, it takes money to create an asset. In some cases, this is a big investment, for example, if you want real estate income and buy an apartment to rent out. And some can be done with a small cash investment. For example, to create a website, you need to buy a domain and hosting. This is about 600 rubles. Not so much, right?! Again, you can say that I will take other people's money. Ok, if you can, then why not, but then you will need to invest other resources: time, knowledge and skills, ideas.

Therefore, let's still be honest with ourselves and not say that there is passive income without investments. It's just that the very word passivity is misunderstood by everyone. This is the other side of activity. They must be in balance. That's how much you were active and how many sources of income you created, so much you can be passive in the future ...

So think about what investments you can make today to get financial freedom tomorrow. And I can give very good advice. If you want yourself a decent cash flow in less time and with less investment, then this can only be done with the help of passive income on the Internet.

7 simple rules leading to passive income

Rule 1

Pay a tenth of all income to yourself personally. You need to do this regularly and first of all ... you love yourself;) (in this regard, you need to be a little selfish). Of course, a little willpower and self-discipline is required to comply with this rule, but these are the main qualities necessary to achieve financial goals. Many people think like this: “Money is already not enough in everyday life ... how else to save something?”. Believe me, a tenth will not solve your problems globally...

Rule 2

Control your expenses. It is difficult to "catch" the balance between the necessary expenses, emotions and whims, but nothing is impossible;) There is an old saying "There is never a lot of money", but this happens only when we do not "turn on" our brain. Everything in this world is relative...someone doesn't have enough money for bread, and someone doesn't have enough money for a private jet. It is necessary to make a rule for yourself FOR EVERY RUBLE SPENDED - RECEIVE THE TRUE VALUE. Clearly plan your expenses and do not touch the NZ (the tenth of the deferred part)))). Try to make it your good habit.

Rule 3

Make NZ "work". Of course, the money that you put aside warms the soul, but there is no sense in them if they just lie “under the mattress”. And here our task is to invest our funds correctly, thereby creating a small in the beginning, and in the future a solid inflow of funds into our pocket.

Rule 4

Protect your capital from losses and unjustified risks. "Smart" investing is based on the security of the underlying capital. No need to rush into the pool with your head and chase for quick enrichment. Before investing any part of your hard-earned money, you need to study the money-back guarantees.

Rule 5

Home Sweet Home. Profitable to invest in real estate. Everyone should have their own housing, because this is not only a confident rear for the family, but also, in a certain scenario, a “reserve” of funds that can always be sent “to work” and inflation will not devour them.

Rule 6

Create income for the future. It is very important to foresee the needs of a respectable age and create (albeit not a large) financial reserve for yourself and your family at a time when age becomes an obstacle to study and work.

Rule 7

Constantly develop. The more we know and are able, the more we can earn. The world does not stand still, and a person who keeps up with the times, develops intellectually, improves himself, deserves a greater reward.

And so, I hope that these not at all complicated rules will help you acquire good habits, change your worldview, thoughts about money and income in general. After all, our life depends on our thoughts. Use these 7 rules wisely and you will end financial hardship forever and even get rich over time ;)

Sources of passive income

Bank deposit

Everyone knows about bank deposits. You open a deposit and receive annual interest from this. If we suppose to deposit 1,000,000 rubles at 10% per annum, then in a year your asset will increase by 100,000 rubles and amount to 1,100,000.

Pros: no knowledge is needed and practically does not require your activity (only at first choose a deposit with a certain percentage).

Minuses: low income compared to inflation (mostly less than 10%).

Securities

This is an investment in the shares of various companies in the stock markets. In another way, this is called investment in Mutual Investment Funds (UIFs)

Pros: accessibility (everyone can do it, because one share is not so expensive), higher profitability (10-30%).

Minuses: it is necessary to choose a long-term investment strategy, i.e. additional knowledge in the field of economics is required.

Real estate

Real estate is one of the most stable types of passive income. People who have a second apartment or some kind of commercial property can easily rent it out.

Pros: stability and a transparent income scheme, income depends on your knowledge and actions in this area.

Minuses: you need real estate (real estate prices are high, it is problematic to purchase the first property).

Find out how much you can earn with passive income not real estate.

Business

Here you can talk about a business as a passive source of income, if you once create it, and then transfer it to other people for management, i.e. delegate. Thus, the business brings money without your participation.

There are two types of business: online and offline. In the first case, it can be a beauty salon, and in the second, your author's blog. Depending on what you choose, there will be different pros and cons. By the way, passive income on the site is a very good source that can be created in the shortest possible time.

Pros: in both cases, high profitability is possible (there is no “ceiling”), online business requires less time and investment.

Minuses: offline business has high risks, it needs a lot of investments at the initial stage, in both cases, great knowledge in the required area is required (you must have the skills of an entrepreneur, a leader, and a manager

If you have created some kind of service or invention, then you can receive royalties from their sale.

Pros: stability and transparent income scheme

Minuses: need to figure something out first.)

Nothing is more demoralizing than a modest but steady income.

Edmund Wilson

Creating a good source of passive income that will not disappear at any moment and will give you freedom is a very interesting, but at the same time, time-consuming process. But he's worth it.

How to create a passive income of 30,000 rubles?

In order to create a passive income of 30,000 rubles and get financial protection, you need to create 3 different sources with a yield of 10,000 rubles. This will be passive income from the site, business and real estate. It is in this order that I recommend creating sources of passive income, i.e. from less expensive to more expensive.

Passive income from the site

Making money on websites has 2 very good advantages that you need to take into account if you are just starting to create passive income from scratch.

Minimum investment

You will only need to create a website and promote it in search engines so that there is a lot of traffic. At first, you only need to buy hosting and a domain. This is approximately 1000 rubles. You can learn how to promote a site and monetize it yourself.

No need to quit your job

You can create a website, promote and monetize it in your free time. Those. you do not need to quit your main job, where you have a stable income. That's when passive income equals the level of your salary, you can throw your "damn" job.

It must be understood that the site will not immediately bring money. With good work, in six months, thanks to the site, you can reach passive income on the Internet at the level of 10 thousand rubles a month.

Examples of passive income from websites

In order to make it more clear how much you can earn, let's consider with you examples of passive income from various sites.

http://spargalkaege.ru/ - a site for preparing for the exam. Traffic 5 000 people per month. Income - 10,000 rubles. Earnings come from sales

http://stroiki-master.ru/ - site about construction. Traffic 300 people per month. Income - 4000 rubles. Income from Yandex.Direct contextual advertising and sales of links in Sape.

url is hidden - a game-themed portal. Traffic 3000. Income - $ 5,000. The main source of income is Google Adsense advertising.

Passive income from real estate

Advantages of real estate as a source of passive income

A large number of people invest their money in such sources of passive income as securities, precious metals or make investments in businesses, and some even manage to participate in all sorts of dubious financial pyramids. But you should know that the risks of such an investment cannot be compared with the reliability of real estate, which can bring its owner a good monthly passive income from rent.

Disadvantages of real estate as a source of passive income

Of course, it must be acknowledged that real estate income does have its drawbacks.

Expensive. Like any type of passive income generated offline, real estate is an expensive investment. You need to have at least a million rubles to start getting a decent cash flow. Another thing is if you already have a second apartment or house, or maybe an office in the city center or a warehouse.

Low yield. Income from real estate can average from 5-10% per annum. For example, the same passive income as a percentage can be obtained from Pamm investments in a month!

As an option to diversify your investment portfolio, real estate should still be considered as a source of passive income.

An example of passive income in real estate

Let's try to calculate how much money you need to invest in real estate so that it brings passive income equal to a monthly salary in a million-plus city. For example, I will take the city of Voronezh, where I live. A one-room apartment in Voronezh costs about 1,600,000 rubles. If you rent out such an apartment, then passive income minus rent will be 10,000 rubles.

Greetings to all readers of the Webinvestor Blog! I think no one needs to be particularly convinced that passive income is cool, who doesn’t want to receive money automatically? However, when I communicate with people outside the blog, not everyone can boast of sources of such income. Why is that? I think it's because of the popular stereotype that the only right way to make money is to go to work and get paid for your time there.

Passive income ideas are often thought of as “Probably this is also possible, but somehow unreliable.” However, you've probably heard of the concept? So, it comes only when passive income exceeds your expenses! In general, I believe that the more sources of income, the better, and I have been working on this for more than a year. Today I will tell you about the various options and, where possible, share my experience.

Friends, definitely. subscribe on my Telegram channel "Webinvestor"! There I publish investment signals, weekly investment reports, answers to interesting questions from readers and short posts on current topics.

Happy reading! The content of the article:

Those who studied at the university know the student wisdom: "At first you work for a student's record book, and then it works for you." About the same happens with any source of passive income - first you need to work hard, and then watch how the profit drips. Or pay and not strain :)

There are two main options for creating passive income:

If you have a lot of money, there are a lot of options for earning passive income - there is a huge world of investing in front of you. The job of creating a permanent income through investing money is to find a place where your money will feel comfortable and safe, and for this you need.

Are there passive income ideas without investment? Of course, but instead of money, you will have to spend time, most likely a lot, on creating a “money machine”. An example of this way of earning money right in front of your eyes is the blog that you are reading now. I spend effort on writing and publishing articles, then readers themselves find them and read them. Views generate income and can continue to do so for years, even if I stop blogging.

However, the highest profit can be obtained by combining financial investments and your own efforts. If we continue with the example of a blog, then the audience of readers will grow faster if not only write articles, but also spend money on advertising. The main thing is, and not just swell the budget at random, this will not give a great result. Ad performance should be tracked using a variety of metrics and tools, looking at conversion rates and trying to improve them.

Passive Income Options: Investments

Option №2. Bank deposits

Probably the easiest idea to generate passive income. All you need is to come to the bank branch and conclude an agreement. With the spread of the Internet, it has become even easier to open a deposit; there are banks without branches at all.

Deposit rates depend on the country and the economic situation, but on average the figures are as follows:

As you can see, the numbers are modest. It makes sense to use bank deposits as passive income ideas if the interest significantly exceeds inflation. For example, dollar inflation is 2-3% per year, if the deposit is 5% or more, you will be able to get passive income, and also, possibly, make money on the difference in rates. Otherwise, the real value of the contribution will not grow, as such there will be no profit. The only way out is from a deposit, but then you will have to give up passive income for a long time.

Option №3. Real estate

A difficult option for passive income, which requires a large investment. However, sought-after real estate brings profit not just for years, but for decades.

Renting out housing- a good idea of ​​\u200b\u200bpermanent income, especially if you can find a decent tenant. The numbers can vary greatly depending on the city and location, but if you analyze the market using sites like Airbnb or Lun.ua and do not overcharge too much, there will be enough applicants. Renting a day brings more money, but there will be more work - the contingent for one night can be very different :)

Resale of housing can be profitable, as an example, take a look at the chart for Kyiv for 2006-2019:

Of course, most of the profits will be eaten up by inflation, but do not forget that housing can generate rental income.

Investments in commercial real estate is also a promising way to generate passive income. Clients in this case will be business representatives. There are significantly fewer of them than renters, so commercial property can stand idle longer, especially if the conditions for doing business in the city or the whole country leave much to be desired. However, if the investment goes according to plan and a good client emerges, higher passive income can be expected.

Option №4. FOREX Market

Regular blog readers should be familiar with ways to get passive income for regular blog readers, after all, this is my profile. I collected all the options in the article. In addition, the blog has separate articles on the most promising ways to invest in Forex:

I have been investing in the Forex market for several years now, you can follow the blog, which now consists almost entirely of PAMM accounts.

The profitability potential of portfolio investments in Forex is higher than in stocks, deposits or real estate - it can reach 30% per annum and more:

Public PAMM portfolios from Forex broker Alpari

When investing in the Forex market, be sure to use.

Recently on a blog, I talked about another interesting way to invest money for the sake of passive income -. In 50 years it was possible to earn more than 3000% of the profit in dollars! Of course, this is too long, well - in the years 2000-2012, which are closer to us, investors earned 600% of the income. However, these are flowers compared to 750% for the owners and 1000% profit for the owners!

These are far from all the ways of investing that exist, someday I will write an article with a long list of possibilities. Not to be missed - subscribe to blog updates:)

Passive Income Ideas: Intellectual Property

In the 21st century, it has become easier to monetize your intelligence than ever before in history, opportunities and formats are just a wagon - electronic and paper books, courses, educational articles and videos, photographs, music, programs, patents ... All this is a way to receive passive income for years . This is a real alternative to create sources of permanent income for those who do not have money for serious investments.

Option number 5. Electronic or paper book

If you think writing a book is hard, you don't. But it's worth it - if your book becomes popular, it can be a real ticket to financial independence, something like Kiyosaki. It seems to me that his financial success is even more related to the Rich Dad Poor Dad book series than to investing :)

Writing a book and publishing it in paper format is difficult if you are new to this business. According to statistics, only 3% of manuscripts reach the stage of publication in a traditional publishing house. The main reason is the need to pay off, for this, on average, you need to sell 2-5 thousand books.

Can I print myself? In principle, yes, there is, for example, the Bookscriptor service, which helps to bring to mind a book, even one designed for a small circulation.

In my opinion, it is better to start a writing career with e-books. Production requires almost no money, only your time and talent. The range of topics is also huge - on the Internet you can find the target audience even for specialized literature. You can create a selling site and advertise the link everywhere - on thematic blogs, social networks, using contextual advertising in search engines ... And after gaining recognition on the Internet, move to the paper format.

Option number 6. Software

IT technologies are taking over the world, penetrating deeper and deeper into the global economy, which means that there is more money in the industry every year:

According to International Data Corporation

What software products can generate passive income? A variety of PC programs and smartphone applications - everything depends on the level of knowledge and, most importantly, the presence of a promising idea. The main thing is not to slow down, now there are so many programmers that any idea of ​​passive income is picked up and implemented very quickly.

However, in different niches it is different, for example, there are still few software products for investors from the CIS. Back in 2013, I noticed that many people keep records of investments anyhow and anywhere. I'm not a programmer, but at university we worked a lot in Excel - and that was enough (and Google at some points) to create a template on which I earned a couple of thousand dollars in 5 years just by advertising on my blog.

Another example close to the blog audience is writing Expert Advisors for trading on the Forex market. The basics of the MQL4 language are not particularly complicated, and those who have not skipped programming lessons at school/university will easily figure it out. It is a thousand times more difficult to write a profitable robot, you need to be well versed in trading. But if it works out, in addition to profit from trading, you can receive a commission for managing a PAMM account and copying transactions. Of course, you can sell the robot, but not the fact that you want to share your "money machine".

Option number 7. Digital content: photos, music, graphics

There is a demand for a variety of digital content, and it is growing along with the growth of the Internet.

Why would anyone buy photos or graphics? I won’t speak for everyone, but, for example, site owners must monitor the uniqueness of content, otherwise search engines will lower positions for queries. I try to make pictures myself, and some webmasters fork out for unique graphic content. You can sell photos and graphics through photo stocks: Shutterstock, Depositphotos, iStockPhoto.

Music can also be a source of passive income according to the "royalty" scheme popular in world practice.

Piracy still thrives in the CIS countries (although streaming services like Apple Music and Google Play are gaining popularity), so without a large audience of listeners, you won’t be able to earn much.

passive income online

You can earn money through the World Wide Web in completely different ways. Getting a decent passive income most often depends on having a large loyal audience that is ready to buy your product, service or follow your recommendations.

Where to get an audience? First option - personal website/blog. Here I could tell you for hours about various nuances, but better another time. Most readers are likely to be random visitors from Google and Yandex search engines. To keep them, you need to strive to get subscriptions to e-mail newsletters or through social networks.

The second option is Youtube video hosting. A high-quality video on a hot topic can collect tens and even hundreds of thousands of views. Of course, even one good video requires a lot of effort and professional video skills. In a good way, in order to grow the audience, the channel must be replenished with new works constantly. Well, the monetization potential is high - Youtube affiliate program, embedded ads, links in video description.

Ideally, one should work in all directions to attract as many readers as possible. Please note that I use the word “work”, although the discussion will still go on the ideas of passive sources of income, this is already a matter of terminology. In any case, in order to make good money on the Internet, you need to build up an audience - this is what will allow you to get a decent income.

Option number 8. Partnership programs

One of the most popular ways to make passive income online.

On the Internet, the affiliate program is distributed using affiliate links of the form alpari.com/en/?partner_id=1214588 . I would like to draw your attention to the fact that clients do not pay anything for registration through affiliate links, the company pays the remuneration to partners. Thus, at no cost, you can
when registering, select the person you want to support financially.

For the owner of a blog or a community on a social network, it will not be difficult to find an affiliate program on a “native” topic. The choice is huge, almost any business (especially on the Internet) tries to use the affiliate program tool to get new customers and brand advertising. However, one must understand that not all topics are equally “money”, here are examples of the most profitable:

• Cars
• Earnings on the Internet
• Recreation and tourism
• Forex trading
• Women's themes

From my own experience, I can say that accelerating passive income through an affiliate program without a large Internet audience is a rather long process. Finding one client is not difficult, but for a decent income, there must be many such clients. Over time, the efforts pay off and you are watching pleasant income figures. However, it is better not to relax and keep working, as most of the clients will eventually leave your affiliate group.

Option number 9. infobusiness

As is known, knowledge is power, and also knowledge is money. Now in many areas, especially those related to IT, progress is so fast that university students are already behind the reality by the time they graduate. Many people understand this, so there are always a lot of people who want to learn, and you can earn money on it.

infobusiness— a business of creating and selling information. Usually, this refers to the sale of educational information: video tutorials, textbooks, consultations, training, etc.

The main problem associated with any passive income ideas in the infobusiness is high competition. There are paid and free materials on the Internet for any topic, so your information should be unique, relevant and in demand.

Without your audience, you won’t earn much, as an option, you can launch an affiliate program - people will advertise your information product for % of sales. Or do otherwise - publish free educational materials to recruit subscribers on Youtube or your blog. This will gradually build up an audience ready to pay for new knowledge.

Option number 10. Advertising

Any Internet audience can be monetized through a variety of advertising. The main thing here is not to overdo it, because people want to receive useful content from you, busting with advertising will lead to the loss of subscribers.

Websites and blogs can use contextual advertising from Yandex Direct and Google Adsense services. This is a fully automated way to generate passive income - you just need to place ad units on popular pages of the site:

Both views and clicks bring profit, the latter are much more expensive. The total earnings depend primarily on site traffic (more views - more clicks). On sites with narrow topics like my blog, contextual advertising does not bring much money, affiliate programs are much more effective.

"Pumped" pages on social networks can be well monetized through advertising posts. Firstly, a lot of people promote their pages and even a simple repost can cost thousands of rubles. Secondly, it is now fashionable and profitable to promote your goods/services through social networks. Advertisers will write and offer money themselves, they will only need to choose options that will be useful to the audience.

Videos on Youtube are monetized through the affiliate program of the service, embedded in video ads, affiliate links in the description. Some guys do it very talentedly, I recommend paying attention. Again, the main idea and condition for high passive income is more views and subscribers.

Option number 11. Buying sites

Creating and promoting your own website is a time-consuming process that requires a lot of time, not to mention knowledge of HTML, working with WordPress or another CMS, SEO optimization ... If you don’t want to start from scratch or have a desire to invest money, you can consider the idea of ​​passive income on established sites.

You can buy sites, for example, on the Telderi exchange. Webmasters set the desired price, and then there is an auction:

You need to understand that either new sites specially made for sale or projects that webmasters want to get rid of for one reason or another will be put up for sale. Therefore, before buying, you need to carefully check the history of the site, getting under the filters of search engines and much more.

How to get passive income from the site you already know - contextual advertising, affiliate programs and so on. When buying a good site without jambs, investments can pay off from 1 to 3 years. That is, the yield from 33% to 100% per annum is very good. If necessary, it will be possible to sell the site, although it will fall in price if it is not dealt with.

Whatever one may say, it is best to buy websites if you understand website building, otherwise you can become a victim of scammers.

Afterword

Income in any of the 11 proposed options cannot be called passive in the usual sense - one way or another it takes time and effort to create a "money machine". Obviously, no one will hand out money just like that. Only when everything is set up and functioning, you can really get money without even working!

The beauty of passive income ideas is that you can create a lot of them, improving your financial situation almost to infinity. Created a blog - make money from ads. Wrote a book advertise on the blog. Gained experience - recorded a video course, and so on. This is closer to my case, but there may be completely different schemes that will suit you better.

Of course, at first it’s difficult when it comes to ways of passive income without investments - you need to study a lot, there won’t be big money right away, there is uncertainty in the future. If you continue to work, then over time, earnings reach acceptable values ​​- and then it is already difficult to exchange a permanent income for something else, especially if you work for yourself.

Multiple Sources of Income is a phrase that has migrated into our lexicon from books on personal finance by foreign authors. In this publication, I would like to talk a little about how, in modern realities, an ordinary person can create additional multiple sources of income and what benefits they will bring.

Previously, I always believed that you need to find a good well-paid job and work for the good of the Motherland, climbing the career ladder. And I thought so until the moment the company was sold and the reorganization began. The new management of the company decided to optimize many processes, in connection with which it was decided to reduce some of the employees.

My career was in jeopardy overnight. My lifestyle has been threatened. After all, I used to consistently receive my thousand dollars, on which I lived as I wanted. I suddenly realized that my stability is in the hands of other people. Their decision depended on whether I would go to my favorite sushi bar next month, whether I could buy new sneakers, whether I would go on vacation.

It was then that I thought about the fact that I need insurance. Money insurance. I realized that I need additional sources of income that will insure each other in case one of the sources dries up.

I began to actively look for such and work on them. Some of these sources are literally under our feet. But many do not notice them. Or they don't get the point.

If you look at everyday things from a different perspective, namely from the perspective of multiple sources of income, then there are solutions to many financial problems.

Basic concepts

First you need to determine all your money streams, which, when combined, form your financial river. Personally, I am a huge fan of this approach to the topic of multiple sources of income. And I work in two directions:

• Increasing Multiple Sources of Income
• Increasing the depth (width) of each source of income

Our personal record (my wife and I) for the number of multiple streams of income created is 10. This means that we had ten streams of income at the same time.

Types of multiple sources of income

I propose to get acquainted with them, on my personal example:

1. My main work;
2. Wife's main job;
3. Additional work: Preparation of photo reports for an advertising company;
4. Additional work: Mystery shopper;
5. Own small business (tanning studio);
6. Rental Property;
7. Intermittent earnings.

And this is what my list of sources of income looks like now:

1. Income from Yandex.Direct and Google Adwords contextual advertising posted on the blog;
2. Income from banners placed on the blog (see also: );
3. Income from the Nolix advertising line posted on the blog;
4. Income from affiliate programs;
5. Income from hosting webinars;
6. Income from the sale of information products;
7. Income from consultations on the development of your own blog, earnings on it, investments;
8. Income from coaching and mentoring;
9. Income from the online store MisterSaver.ru;
10. Wife's income (she recently launched a small social media project selling stylish shoes from the US);
11. Child benefits (for the child, the wife receives social benefits during maternity leave);
12. Intermittent earnings.

As you can imagine, all these sources of income together bring a good income. And most importantly, I am insured. If something happens to one source (dries up), then I always have a bunch of others that will not let me die of hunger.

Moreover, I have in mind a few dozen more options for creating additional sources of income for which now I simply do not have enough time. I say this to the fact that even if all the listed sources of income suddenly “bend” and cease to exist, then I will start earning in other ways that will replace those that were.

Where do all these ideas come from?

In fact, everything is simple. Creating sources of income on the Internet required me to develop various skills. For example, I learned how to write articles for this site. This is called copywriting, see an article on this topic, which will also teach you how to make money on the Internet by writing various texts to order:

I can also create high-quality contextual advertising. I also learned this in the process of creating the income streams listed above. Now I place contextual advertising for my projects. But if something happens to them, I can easily find a job and promote other people's projects using Yandex.Direct and Google Adwords.

For me, it's a continuous process. I am constantly looking for somewhere to earn extra money. I am always interested in various, new opportunities for obtaining multiple sources of income. This is called increasing the number of sources of income.

Increasing the depth of each source of income is the work of increasing income from a particular source. For example, if you have a deposit in a bank, then regularly set aside an additional amount of money from your main sources and increase the amount of the deposit. This will allow you to receive a higher return on investment. Yes, yes, you can also earn on bank deposits.

Today there are a huge number of different possibilities. It's all about you! How lazy are you to take care of your future. I have many friends who have a lot of free time, but use this time mediocre. They're just being stupid.

My position on this issue is this: create conditions for yourself to be idle. Create such a passive source of income that will more than cover all your current expenses, and then do what you want. That is why I work hard now so that I can work less later, in the future. I understand that apart from myself, no one can change fate. There will be time for rest, but for now I will work. Especially since I enjoy it.

I CAN'T HAVE A WORD, I DO NOT WANT TO HAVE A WORD!

When someone tells me that I can't or I'm not like you, I understand that a person simply does not want to change his life and his destiny. This is a person who lives in illusions and hopes that someday the time will come and his whole life will change by magic. I'm not like that!

Open books, internet, newspapers free ads. Chat with friends not about how cool you “drank” all weekend, but about where and how you can make money. Try it, do it

There are no mistakes in life, there are only lessons. There is no such thing as a negative experience, only opportunities to grow, learn, and move forward on the path of self-improvement. Strength comes from struggle. Even pain can be a wonderful teacher. (Robin Sharma, The Monk Who Sold His Ferrari)

How to create multiple streams of income

Before we start creating multiple sources of income, you need to understand and decide how to do it correctly, what to spend your energy on at the beginning of the journey, and what later.

We need to have a map of the area on hand that will help us get from point A to point B in the shortest possible way.

People's time is limited, as well as forces and resources (resources mean connections, acquaintances). If only work for hire takes 8-12 hours a day, then there will simply be no time and energy left for anything else.

Therefore, you must understand that creating multiple sources of income is an art, which implies the presence of an action plan, the ability to prioritize, a strategy for achieving the goal, and many other skills and abilities.

Using these skills wisely turns the process of creating multiple streams of income into an art that is no less enjoyable than participating in sports, going to the ballet, going to the theater, watching a movie, or attending a concert of a popular rock band.

Step #1: Foundation in the form of main work

So where do you start building multiple streams of income?

First of all, it is necessary move from simple to complex. One of the features of Russian people is that we want to get everything at once. We do not like to wait, we do not like to deny ourselves something, we want everything at once.

You need to understand that such a position is harmful and will not give you anything good. Yes, there are exceptions to the rule. However, each case must be considered in detail. And if you have examples when people in a short time created a lot of capital for themselves through several sources of income, then you need to understand the details of what helped them.

Often we don't see the real facts that helped people take off. Someone received support from relatives or friends, someone was at the right time in the right place, someone is not afraid to take risks, etc.

Building multiple streams of income starts with the foundation. And most of the time, that foundation is employment. Working for an uncle is a linear source of income, it can be compared to a shovel. While we are digging, income is coming in, as soon as we sit down to take a break and put down the shovel, the income stops coming. There is also passive income, which, unlike linear income, is like an automatic mechanism. Once you set it up further, it works at full automatic. We will talk more about passive income in the next section.

For me personally, the construction of my profitable streams began with a job for hire. I was 20 years old, I did not know and did not know how to earn money.

Pay attention to these words. You have to be able to earn money. And the more versatile you can do it, the more sources of income you can create!

When you are 20 years old and you are a student who spent all previous years sitting on the neck of your parents, is it worth it to say about making money? This skill does not exist and needs to be learned. Of course, there are people who start earning at the age of 15-16, and even earlier.

This is not about this now, but about the fact that if you do not know how to create several sources of income, then start with one. The easiest option in this case is to find a job for hire.

Employment will be your first source of knowledge about making money and it will give you the opportunity to create some kind of savings with which you can later create new sources of income. It helped me find a high paying job.

As noted above, work for hire takes a lot of time, which has a significant impact on the creation of the following ways to earn money. This can be an obstacle to building multiple sources of income.

And in such a situation, it would be optimal to turn your attention to such sources of income, which are called passive.

Step #2: Passive Sources of Income

Passive sources of income work for you. Having spent your efforts once, then you will only reap the fruits of your activities.

An example is . For example, you are employed and you have little free time to create new sources of income. You can save a couple of thousand rubles from your salary and.

Then, you can forget about this deposit until the next month, when you will receive your salary again and you will have the opportunity to put another thousand rubles in the bank, for example.

That is, as you understand, you do not need to take care of this type of earnings every day. will work for you around the clock, without breaks and weekends. It will generate new money for you, this is its passivity.

Thus, you will already have two sources of income, after which you proceed to consider the next option.

But when choosing the next way to earn money, you also start from your opportunities, from existing circumstances, such as employment, family, children, etc.

You can continue to dig further towards investments and play with more complex financial instruments, for example. Or look for new ways to make money in some completely new topic, for example, start in your free time from your main job.

As a result, starting with one type of income, from work for hire, you need to gradually create new sources of income that will increase your income. Income growth may not be immediate. But in any case, your total capital must constantly increase. By capital in this situation, we mean not only money.

For example, when I started creating multiple sources of income, for a long time my main source of income was work. For several years, I saved a part of the money from each salary.

I distributed the deferred money into various ones, among which were,,. Also, I used some of the money to buy something for myself. So I subsequently purchased the car.

I didn't have any pure cash. I had a car, as well as an agreement with financial institutions and statements that I deposited funds into their account.

In this example, it was not money that was capital, but what I invested it in. And every day the amount of my capital changed in proportion to the value of those financial instruments in which I had invested money.

The same car depreciated every day. Share prices went up and down. The bank deposit increased regularly, and so on.

As you understand, I started small, with the first thousand rubles set aside, which eventually turned into a million, which I wrote about.

To consolidate the understanding of capital, I will give another example from my own practice. In 2007, I worked as an ordinary manager in a telecommunications company. I worked there for about 3 years, I had a good salary, but there was no career growth.

It so happened that in our parent company the management changed, which began the reorganization of the entire enterprise. Somehow the manager called me and warned that layoffs were coming and I would be one of the first candidates for relegation due to the fact that.

At the same time, the head added that he would be glad to lay off someone else, since there were less useful employees in our department, but he would not be able to do this, since the head management, in order to reduce costs, in order not to pay compensation, would first of all cut those people who do not comply with job descriptions.

In general, it did not matter to them who to cut. It was important for them to reduce costs at any cost. At that moment, I had a turning point, which radically influenced my attitude to work for hire and all subsequent fate.

I realized that no matter how good an employee you are, it will not help you keep your job. Your destiny and career will always be in jeopardy.

And then I decided to start my own business, so as not to depend on someone

When I found a business idea that was interesting to me, in order to bring it to life, I had to cut off the head of all other sources of income.

I quit my job without waiting for a shameful layoff. I sold all mine and, withdrew money from . It turned out a tidy sum for which I opened a small tanning studio.

I rented a room where I made cosmetic repairs. Bought the necessary equipment. I invited specialists who installed everything for me, set it up and started working for themselves.

Before we continue, I should make a small digression, since initially we are talking about creating multiple sources of income. this requires flexibility. Sometimes there are moments when you focus on one thing. Sometimes you can churn out one source of income after another.

The ideal option is when you create some kind of source of income, which can then work without your active participation. This will make it much easier for you to create one source of income after another. You will have time and money for this.

Life can change. Various circumstances, your principles, outlook on life, etc. may change. The same can happen with your sources of income.

Let's get back to the tanning studio. The first month after the opening, my wife and I worked together in this studio. Then we established a stable flow of clients and calculated that we could well hire several operators who would work for us.

By hiring two young girls, we began to receive less from this source of income, but freed up a lot of time, which allowed us to create new sources of income.

Thus, we created a new source of income and built such a scheme of work in which it was enough for us to call in once a week for.

Next, I decided to find myself another job for hire and combine it with my business. Why did I decide so? Because in that situation, I had no other options. I didn't have the money to start a new business. And any other new source of income one way or another requires money.

The fundamental changes that happened to me earlier told me that this would be a temporary option until I save up money to create another business or increase the profitability of the first one.

By the way, the tanning studio did not bring me much income. Something about 30,000 rubles. About the same amount I received when I worked as an ordinary manager in a telecommunications company.

I am writing this so that you understand another reason for looking for a job. Many people paint themselves an ideal picture of a future where they don't have to work, where they have enough money to live happily. I'm not an exception. But as you understand, a business income of 30,000 rubles will not allow realizing this ideal picture of the future.

At the same time, the business I created gave me a great sense of peace and comfort. I had a completely different job search. If earlier, when I did not have such powerful financial support in the face of a tanning studio, at times when I was left without a job, then circumstances pressing from all sides urged me to look for any job and as soon as possible.

What are the circumstances?

• Subsistence;
• Paying for a roof over your head
• Cloth;
• Transport;
• The opinion of others;
• Etc.

When a person has no money to live on, he will clutch at any straw. After all, each person has a list of some kind of monetary addiction.

We all eat and drink every day, we need to pay or rent an apartment, we need to somehow move around on business. No less important is the pressure that others put on us. Indeed, at times when we are not working, we have to take money from somewhere, and most often on such days we live at the expense of our relatives, who soon begin to look crookedly at us if we cannot find a job for a long time.

All this leads to the fact that we are in a dependent position when looking for a job. We don't choose work, work chooses us.

When you have some kind of additional source of income that can insure in difficult situations, then everything changes exactly the opposite. You can easily search for the job you need. It is no longer work that chooses you, but you choose work and can dictate your terms to it.

That's what happened to me at the time. I firmly decided for myself that I did not want to work as an ordinary specialist. I wanted to take a leadership position. I had many reasons for this:

• First, executives get more.
• Secondly, leaders have more freedom than subordinates. Ordinary employees have to coordinate their every step with the manager. The leader can determine his own work plan. I needed a greater level of freedom in order to control my existing business.
• Thirdly, I needed experience in managing people. Since at that time I already had two operators in the tanning studio, in fact, I was already the leader. Therefore, I wanted to develop my skills and abilities in this area.

As a result, I was hired ... in a bank! And not by anyone, but by the head of the lending department.

We were engaged in the sale of bank loan products. I had about 6 people under me.

Thus, the tanning studio brought me about 30,000 rubles + employment gave me another 45,000 rubles. At that time I was already married. The wife earned about 25,000 rubles more. In the same year, we took out a mortgage on an apartment, which we began to rent out, which brought us about another 18,000 rubles, but this money can not be counted, since it was used to pay off the loan.

All these sources of income allowed us to save about 30,000 rubles a month. Well, as you understand, we created new sources of income on them: we bought shares again, invested money in mutual funds, put part of the funds on bank deposits, etc.

As you can see, I started creating multiple sources of income from one, from work for hire, brought them to several sources (about 6-8), then for the sake of creating my own business, read a new source of income, I sold and abandoned all multiple sources, that I had before.

Then I created one source of income again, thanks to which I then increased the number of income sources to 10.

Based on this, we can draw the following conclusion: there is no need to focus on a large number of sources of income. The goal is not this. We create multiple streams of income just so that we have a positive difference between income and expenses.

It is important that at the end of the month you have extra money that you can later use to create additional income, which will allow you to achieve financial independence and freedom.

Conclusion

Most people live paycheck to paycheck. They do not have enough money to live, they are all in. What kind of financial independence can we talk about? Although each of them dreams of not working, living for his own pleasure, traveling, dressing beautifully, in general, not denying himself anything.

This is where multiple sources of income will help us.

There may be 10 of them, which together will bring you 300,000 rubles a month, or maybe 1, which will bring you 500,000 rubles a month.

You don't have to chase quantity. Better go for quality. You can create one source of income, the main thing is that it gives as much profit as possible. It is equally important what kind of income it will be - linear or passive. The priority is passive income, which will free up a lot of time for you. This time can be spent on your favorite things, health, children, hobbies.

When you have extra money, you still need to put it somewhere. The first option is to spend everything, as most do. The second option is to invest them in something that will create new money for you.

That is, the model of creating multiple sources of income in the second case is inevitable.

Another goal of creating multiple sources of income is safety and security. The fact is that when you have one source of income, you take a big risk. As soon as it dries up, your usual life will be in jeopardy.

In the case when you have several sources of income, then you will not be afraid of any crisis. If you are laid off at your main job, then you will not starve, as other sources of income will save you.

P.S. I look forward to your multiple sources of income in the comments. If they are not, then write what you could do in this direction ...