Work is necessary to earn money, yet it is too difficult.

Fortunately, there are several low-effort ways to create money. You may generate additional money without putting much effort into it with the help of apps, simple investing instruments, and smart buying tactics.

While several of these techniques require some initial labor, they can position you to generate passive income over the long run.

Here are 7 low-effort methods to earn money.

1. Use credit cards that provide cash back.
Imagine all that cash back.

Cashback is a common incentive provided by credit cards for making purchases. This implies that the credit card company will refund a little portion of every transaction you make.

Between credit cards and categories, the proportion varies. One form of the credit card may, for instance, give 1.5% cash back on every transaction. Another may provide 5% back on petrol and travel expenses while offering 1% back on most other purchases. The Birch app can determine which credit card is ideal for a specific category.

To cash out, you frequently need to exceed a particular pay level. Additionally, you may often use cards to redeem cash back as “points” that can be used to make purchases straight from the credit card provider's website.

2. Put money into index funds.
With the help of the Robinhood app, investing in stocks is simple.

Trying to play the stock market is a terrible idea unless you are a financial specialist.

One thing stands out: index funds. It might be risky to make a modest number of stock investments. You may make a lot of money but also lose a lot.

A small amount of money is invested in many stocks while using index funds. These equities mimic some aspects of the overall stock market. A generally secure, steady index fund to invest in is the S&P 500, which has increased by more than 2,000% over the past 40 years.

However, your chances of success or failure are probably lower than if you invested in individual equities.

The simplest approach to investing in stocks is to open a brokerage account with a bank like Charles Schwab.

A free share of stock, often worth $5, is offered when you sign up for the free stock trading app Robinhood using a referral code.

3. Point people toward applications.
You may earn money by splitting an Uber with a buddy.

Referral credit might be just as valuable as cash if you use an app frequently. You get credit for each person you suggest who makes a purchase using the app from Uber and Lyft (ride-sharing), Seamless (food), Proper Cloth, Spier & Mackay, and Everlane, among other apps and websites.

4. Become a source of recommendations for nearby companies.
This guy looks like he’s doing a good job. Maybe he’ll give you some cash if you refer him to a friend.

This person appears to be working hard. He could offer you some money if you recommend him to a friend.

Word-of-mouth marketing is a common strategy for small, neighborhood businesses like landscapers, electricians, and home improvement retailers. Many of them provide referral bonuses to anyone who promotes their company.

Therefore, when your plumber comes out the next time, find out whether they provide referral benefits. And if they do well, use it to your advantage when referring them to a friend.

5. Create a book and earn royalties from it.
There is never enough time to read.

Okay, so this one requires some effort. However, suppose you are an authority on the subject. On Marissa Mayer and the business Yahoo!, as an illustration (now available in paperback). You’re essentially done once you create the book, convey your knowledge in writing, and get it published.

You will then start receiving royalties for every copy of your book sold after that. Your agreement with the book publisher will determine the specific amount of royalties.

6. Eliminate the middlemen by publishing independently.
Amazon’s physical store's bookshop in Seattle.

There are common contracts that pay out based on how many people download the ebook or read it through Amazon’s ebook-lending program if you self-publish on Amazon or another self-publishing site. Doing so may bypass the publishing industry’s intermediaries and increase the profit margin of your own book.
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7. Design an online course that you can charge for.
Most likely, this person is seeking an online course on the topic of your competence.

Consider a scenario in which you are an authority on a subject but don’t believe writing a book is the best way to impart your knowledge.

An online course will enable you to accomplish it. For instance, one may be created and uploaded to Udemy, and the pricing points can be customized. You’ll get compensated each time someone purchases the course.