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10 Passive Income Ideas for Beginners: Start Earning Today


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In an age marked by financial volatility and increasing cost of living, having multiple income streams has become a necessity rather than a luxury. One form of income that has gained popularity in recent years is passive income. This concept promises financial freedom and improved quality of life.


I've had many passive income streams for years and understand what works, what doesn't, and where you should spend your time. I want to share with you some of the TOP and smartest ways to generate passive income...many of which can become primary income sources if done properly and diligently.


These passive income ideas are beginner friendly and can help secure your financial future in 2023 and beyond.


What is Even Is Passive Income?

Passive income is money earned with minimal active involvement or effort. You can generate income even while you sleep, go on vacation, or pursue other jobs.


Though it might require some upfront work or investment, the ultimate goal is to establish a source of income that requires little to no daily effort to maintain.


But Why Have a Passive Income Stream?

In an increasingly digital and interconnected world, having a passive income stream is more accessible and beneficial than ever. With the rise of the gig economy, people are looking for more flexible work arrangements, and passive income offers just that.


Not to mention, with so many layoffs and a lack of job security in the corporate world, taking things into your own hands and ensuring you are covered is almost becoming a necessity. Passive income provides an extra layer of financial security, diversifies your income sources, and reduces reliance on a single job or investment.


It also allows you more freedom and time to pursue other interests, hobbies, or business ventures.


I can't tell you how many times I lost sleep, couldn't eat, had severe anxiety, or felt like I couldn't ever shut off work, all in fear of losing my job. Survival mode is just not a healthy way to live, yet so many of us can relate.


I don't know about you, but I don't want to live with my financial fate in someone else's hands. If you feel the same way, let's find you some passive income!!


Keep reading for my TOP passive income stream ideas!



Start a Blog

Starting a blog is a time-honored approach to generating passive income. The upfront hours to get it started take time. Here's how you can go about it:

  1. Find Your Niche: Identify a subject you're passionate about and have some knowledge in. It could be anything from personal finance to gardening, fashion, technology, or cooking.

  2. Create Your Blog: Use platforms like WordPress or Wix to set up your blog. I have multiple blogs and use both, and although many recommend WordPress, there is a learning curve. Wix is super user-friendly and even helps secure proper SEO for your website and posts! For beginners, I would definitely go the Wix route. Remember, your website's design should be user-friendly and aesthetically pleasing. Wix is easier to get up and running, too. So that is something to consider, as well. You'll also need a hosting site. I personally always use Bluehost. I won't go into detail here, but if you want a pros and cons list for Bluehost and why you need it, you can read my full review here: https://www.themombosscollective.com/post/honest-bluehost-review

  3. Create Quality Content: This is the cornerstone of your blog. Regularly publish high-quality content that provides value to your readers. Use SEO techniques to increase your visibility on search engines. This is where I like to utilize ChatGPT. I will use it to help me lay out an outline for a blog post or help expand certain sections of my blog post that need a little sprucing up. I also use Grammarly, an editing platform that edits and corrects your writing. Both ChatGPT and Grammarly are HUGE help and time savers. When starting out, I suggest ensuring you have at least 5 blog posts ready to go before you launch. From there, posting at least once a week is ideal.

  4. Monetize Your Blog: Once you've built a substantial following, you can monetize your blog through various methods such as Google AdSense, sponsored posts, selling your products or services, or affiliate marketing. Once you have grown even larger, I suggest switching to something like Mediavine, which is pay-per-view instead of pay-per-click. I also suggest getting Google Analytics to track blog traffic and using Pinterest and other social media platforms of your choice to promote.

Remember, patience is key in blogging. It does not happen overnight. It may take a while to see significant income, but it will eventually pay off with persistence and quality content.


Write an Ebook

If you have a story to tell or a topic you know, writing an ebook can be a lucrative source of passive income.

  1. Select a Topic: Choose a topic you're passionate about and believe will interest your target audience.

  2. Write the Book: Dedicate time each day to write. Be sure to proofread and edit your book thoroughly or consider hiring a professional editor. Grammarly can help you do the editing!

  3. Design a Cover: They say never judge a book by its cover, but a well-designed cover can attract readers. You can hire a designer or use design platforms like Canva to create an engaging cover.

  4. Publish Your Ebook: Use platforms like Amazon Kindle Direct Publishing, Smashwords, or Apple's iBooks to self-publish your ebook.

  5. Market Your Book: Leverage your blog, social media, and other platforms to promote your book.

You'll earn royalties each time someone purchases your book, making it a great source of passive income.


Affiliate Marketing

Affiliate marketing involves promoting a company's products or services and earning a commission for each sale through your unique affiliate link.

  1. Choose Your Niche: Select a niche aligned with your blog or social media content.

  2. Find Affiliate Programs: Join affiliate programs that offer products or services relevant to your niche. Some popular platforms include Amazon Associates, CJ Affiliate, Awin, ShareASale, Impact, and AmbassadHER.

  3. Promote Affiliate Products: Use your blog, email list, or social media to promote the products. Always provide honest reviews and only endorse products you believe in. Authenticity is key and will come out in your writing, videos, etc.

  4. Earn Commissions: You'll earn a commission each time someone purchases using your affiliate link.

While building an audience and gaining their trust can take time, affiliate marketing can provide a significant passive income once established.


Rent Out a Space Like Airbnb or Vrbo

If you have an unused room, apartment, or vacation home, you can turn it into a passive income source by renting it out through platforms like Airbnb or Vrbo. Although I haven't jumped into this one just yet (it's on my 5-year plan, though), I have multiple immediate family members who go this route and make thousands in just one singular month. Here is the advice they gave:

  1. Prepare Your Space: Clean and organize your space. Make sure it's comfortable and appealing to guests.

  2. List Your Space: Take high-quality photos and write a detailed description of your space. Highlight any unique features and local attractions.

  3. Set a Competitive Price: Research similar listings in your area to determine a competitive nightly rate.

  4. Manage Your Listing: Respond quickly to booking inquiries and review your guests after their stay.

  5. Provide an Excellent Experience: Offer outstanding service to your guests. The better the experience, the higher the chances of positive reviews, which will lead to


Sell Clothes Through Poshmark or Mercari

I cannot tell you how many times I have bought an outfit for a special occasion and then never wear it again after. It would just sit in my closet collecting dust. In 2019 I started by using Poshmark, and I love it! It's a great way to make space in your closet and make money. Reselling clothes online can be a profitable passive income idea. Here's how to get started:

  1. Gather Your Items: Identify clothes you no longer need. They should be in good condition and, ideally, on-trend or high-quality vintage pieces.

  2. Photograph Your Items: Take clear, well-lit photos from different angles. The better your items look, the more likely they are to sell. I like to do front, back, and any necessary up-close pics. I also try to find a stock photo of the item and make that my main image.

  3. List Your Items: Use descriptive titles and detailed descriptions, including the brand, size, color, and condition. Price your items competitively by researching similar listings. The more details, the better. You can usually look up the item you are selling and find an old description. Say Nordstrom sold your item, use their description, and tweak it as needed.

  4. Manage Your Shop: Respond to questions promptly and ship sold items quickly. Good customer service leads to positive reviews, which can increase sales.

  5. Promote Your Listings: Share your listings on your social media platforms to increase visibility.

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Passive Income Ideas for Beginners - Pin


Start a Print-On-Demand T-shirt Shop

Starting a print-on-demand t-shirt shop is a great way to monetize your design skills. Here's a simple guide to get you started:

  1. Create Your Designs: Come up with unique, appealing designs. You could use design software like Adobe Illustrator or simpler platforms like Canva. Make sure you are not using anything that is trademarked. You can check here: https://www.uspto.gov/trademarks

  2. Choose a Print-on-Demand Service: Platforms like Printify, Printful, Teespring, or Zazzle handle the printing and shipping for you.

  3. Upload Your Designs: Follow the platform's guidelines to upload your designs. Be sure to preview how they look in different t-shirt colors and styles.

  4. Set Your Price: Decide how much you want to earn from each sale. This will be the base cost of the t-shirt plus your markup.

  5. Promote Your Shop: Share your shop on your social media, blog, or website to attract customers.

Remember, your earnings will come from the markup you add to the base cost of each t-shirt.


Open an Etsy Store for Digital Downloads

Selling digital downloads on Etsy can provide a steady stream of passive income. I sell SVGs, Spreadsheets, templates, digital wall art, small business materials, and more in my digital download Etsy shop. It is such a fun, creative outlet and a great way to make extra cash. Here's how you can get started:

  1. Decide What to Sell: Identify what kind of digital products you want to sell. These could be printable planners, digital art, graphic designs, templates, or ebooks. I don't like pigeonholing yourself into one area, but start with one, like SVGs, and expand from there.

  2. Create Your Products: Use your expertise to create high-quality, unique products. Tools like Adobe Creative Suite or Canva can be helpful.

  3. Open Your Etsy Shop: Follow my Etsy step-by-step guide to set up your shop.

  4. List Your Products: Write clear, detailed descriptions, and include high-quality preview images. Set competitive prices for your products.

  5. Promote Your Products: Use social media, your blog, or email marketing to direct potential customers to your Etsy shop.


Utilize Cashback like Rakuten, Honey, Ebates, and Swagbucks

Cashback websites offer a simple way to earn money from your everyday online purchases. Here's how they work:

  1. Sign Up: Register for free on platforms like Rakuten, Honey, Ebates, or Swagbucks. My personal favorite is Rakuten. The variety of shops that partner with Rakuten + the cashback percentage is always amazing. I've made hundreds of dollars with Rakuten.

  2. Shop: Start your online shopping by visiting these platforms and then your favorite retailers' websites.

  3. Earn Cashback: These platforms receive a commission from the retailers for referring you, and they share a portion of that commission with you as cashback.

  4. Get Paid: Once you accumulate a certain amount of cash back, you can redeem it for gift cards, PayPal cash, or checks, depending on the platform.

While cashback isn't a significant income source, it's a great way to get some money back from purchases you would make anyway.


Investing: High Yield Savings Account and Dividend Stocks

Investing wisely is one of the most effective ways to generate passive income. Let's explore two common options: high-yield savings accounts and dividend stocks.

  1. High-Yield Savings Account: If you have a regular savings account, please close it and open a High-Yield instead. High-yield savings accounts offer a significantly higher interest rate than regular savings accounts. This is a safe, low-risk way of earning passive income. All it requires is an initial deposit and a commitment to adding funds regularly. It's important to note that the rates can fluctuate depending on the market conditions. Still, they are typically higher than regular savings accounts. Some popular options include Ally Bank, Marcus by Goldman Sachs, and American Express National Bank.

  2. Dividend Stocks: Dividend stocks are shares in companies that pay out a portion of their profits to shareholders regularly. These payments, known as dividends, can be re-invested or taken as cash. When selecting dividend stocks, look for companies with a long history of dividend payouts and stable earnings. You can buy dividend stocks through brokerage firms like Charles Schwab, Fidelity, and Robinhood. Remember, while potentially more lucrative than a high-yield savings account, investing in dividend stocks also comes with a higher risk.

Before making any investment, though, doing your research or consulting with a financial advisor is crucial.


Sell Photos Online

Selling your photos online is an excellent way to make passive income, especially if you have a knack for photography. Here's a step-by-step guide:

  1. Take High-Quality Photos: Invest in a good camera and learn the basics of photography. Your photos should be clear, well-lit, and high-resolution. You could focus on popular categories like landscapes, city scenes, food, or people.

  2. Edit Your Photos: Use photo editing tools like Adobe Lightroom or Photoshop to enhance your photos. Remember, your photos should look professional and appealing.

  3. Select a Platform: There are several platforms where you can sell your photos, including Adobe Stock, Shutterstock, Getty Images, and my personal favorite Creative Market. You can also sell your photos on your own website.

  4. Upload Your Photos: Follow the platform's guidelines to upload your photos. Use relevant keywords in your title and description to make your photos easy to find.

  5. Set a Price: Research similar photos to understand how to price yours. Some platforms set the price for you.

  6. Promote Your Work: Share your portfolio on social media and other platforms to attract potential buyers.

Remember, you'll earn a commission every time someone purchases your photo. This can turn your photography hobby into a profitable passive income venture.



How to choose the right passive income stream for you

With so many options for passive income available, choosing the right one can feel overwhelming. Here are some key considerations to help guide your decision:

  1. Evaluate Your Skills and Interests: The best passive income ideas often align with your skills, interests, and passions. For example, creating a blog or writing an ebook might be an excellent fit if you love writing. If you're a great photographer, selling photos online could be lucrative. Your existing skills and interests can guide you towards a passive income stream that you'll excel at and enjoy.

  2. Consider Your Time Commitment: Although passive income aims to earn money with little ongoing effort, some ventures require a substantial upfront time investment. For instance, starting a blog or writing an ebook requires significant effort at the outset. Evaluate how much time you're willing and able to invest before choosing your passive income stream.

  3. Assess Your Financial Investment: Some passive income streams require an initial financial investment. For instance, investing in dividend stocks or starting a print-on-demand t-shirt shop will require capital upfront. Always ensure you have a clear understanding of any financial risks before diving in.

  4. Understand the Market: Research your chosen income stream thoroughly to understand the market demand and competition. For example, if you plan to sell digital downloads on Etsy, investigate what types of downloads are popular and how many others are selling similar products.

  5. Consider Scalability and Potential Earnings: It's also essential to consider the income potential and scalability of the passive income stream you're considering. While some options, like cashback platforms, provide only a modest return, others, like affiliate marketing or selling digital products, can be highly profitable and scalable.

  6. Think Long-Term: Passive income is often a long-term game. It might take time before you start seeing substantial returns. Choose a passive income stream you can commit to for the long haul.

Considering these factors, you can choose a passive income stream that aligns with your lifestyle, interests, and financial goals. Always remember that while the idea of earning money passively is attractive, it does require effort, patience, and strategy to be successful.



The allure of passive income is undeniable. The prospect of earning money while you sleep, spending time with loved ones, or even traveling the world is a powerful motivator. As we've explored in this article, there are numerous ways to create passive income streams, from starting a blog, writing an ebook, investing wisely, to selling clothes or photos online, and much more.


Remember, the key to success in any passive income venture is aligning it with your skills, interests, and financial goals, committing your time and energy upfront, and staying patient for the rewards to follow. Choose wisely, invest smartly, and you're well on your way to building a financial cushion to provide you the freedom and security you desire.


The journey to financial independence begins with a single step - why not start today?


If you try one of these outlets, I would love to hear about it! Let me know in the comments how it goes or if you have any questions!



More AMAZING resources:

  • How to Use Canva to Create Your Brand

  • 15 Profitable Digital Product Ideas You Should Do in 2023

  • How to Maximize Your Blog With ChatGPT

  • The Most Powerful Editing and Proofreading Tool for Blogging

  • Beginners Guide to Canva

  • Harnessing ChatGPT for Pinterest Marketing

  • A Step-By-Step Guide to Creating Your Own Masterclass

  • A Honest Grammarly Review


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