10 Creative Ways to Make Money Online While Working Full-Time

Discover 10 creative ways to earn money online while working full-time. Learn to maximize your time and boost your earnings without quitting your day job.

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Affiliate Disclosure: Please note that this post contains affiliate links, which means I will earn a commission (at no additional cost to you) if you choose to purchase. I only recommend products that I truly believe will benefit you. Whether or not I earn a commission, these are products I would still recommend. There isn’t anything recommended on this page that I haven’t tried and/or personally verified.

As the world moves increasingly online, the opportunities to earn money digitally have skyrocketed. Whether you want to pay off debt, save for a vacation, or build a nest egg, making extra money without quitting your full-time job is not only possible—it’s more accessible than ever.

This blog will explore 10 creative ways you can start earning money online while still balancing a full-time career. From freelancing to creating passive income streams, these opportunities can help you grow your income without burning out.

"We live in an era where there's so much opportunity, and it all comes down to how hard you’re willing to work for it." - Gary Vaynerchuk

1. Freelance Writing and Content Creation

If you have a way with words, freelance writing is a great way to earn extra income. Websites like Upwork, Fiverr, and Freelancer offer platforms where writers can bid on jobs like blog posts, articles, copywriting, and more. The beauty of freelance writing is its flexibility—you can write in your spare time and grow your client base as much or as little as you want.

For example, one popular freelance writer, Elna Cain, started her writing business while taking care of her twins full-time. Today, she earns a full-time income from writing part-time hours.

Tips for Success:

  • Start small with shorter gigs to build a portfolio.
  • Niche down to a specific type of writing (e.g., technical writing, marketing copy) for better rates.
  • Invest in tools like Grammarly or Hemingway for editing.

You may also be interested in reading my detailed Freelancing blog post here.


2. Sell Digital Products

If you have expertise in any area—whether it’s graphic design, photography, or even teaching—consider selling digital products. You can create things like eBooks, printables, templates, or online courses and sell them on platforms like Etsy, Gumroad, or even your own website.

Gina Horkey, is an example of an entrepreneur and virtual assistant, who earned thousands of dollars selling eBooks and templates online while still working full-time.

Tips for Success:

  • Make sure your product solves a specific problem for your target audience.
  • Market your digital products via social media and email newsletters.
  • Use feedback to improve and refine your products.

You may also be interested in reading my detailed “Selling Digital Products” blog post here.


3. Affiliate Marketing

Affiliate marketing allows you to earn a commission by promoting products from other companies. Many affiliate programs are free to join, and you can promote products through blogs, social media, or even YouTube channels. Platforms like Amazon Affiliates or ShareASale make it easy to find products to promote. This is my favoured way to earn money online…

Michelle Schroeder-Gardner from “Making Sense of Cents” earns over $50,000 per month from affiliate marketing, and she started her blog as a side hustle while working full-time. Check out Making Sense of Affiliate Marketing TODAY!

Tips for Success:

  • Choose products that align with your audience and that you genuinely believe in.
  • Create high-quality content around these products, such as reviews or tutorials.
  • Build trust with your audience by being transparent about affiliate links.

FREE eBook – 26 Affiliate Marketing Tips

Michelle from Making Sense of Cents, also has this FREE 36-page e-book will teach you all about how affiliate marketing works, as well as give you 26 affiliate marketing tips so that you can get started. You can sign up by clicking my referral link here.

You may also be interested in reading my detailed “Beginners Guide to Affiliate Marketing” blog post here.


4. Teach or Tutor Online

If you have expertise in any subject—whether it’s math, language, or business—you can tutor or teach online. Websites like VIPKid, Chegg Tutors, and Udemy allow you to teach students across the world from the comfort of your home. The flexibility of these platforms makes it easy to fit teaching around your full-time job.

For example, Nancy Badillo, a well-known Etsy coach, started tutoring English online as a side gig. Today, she uses her teaching skills to help aspiring entrepreneurs through coaching and online courses.

Tips for Success:

  • Choose a platform that fits your skill set.
  • Schedule your tutoring sessions during evenings or weekends.
  • Build a strong reputation through positive reviews.

You may also be interested in reading my detailed “Online Tutoring” blog post here.


5. Start a Blog or YouTube Channel

Starting a blog or YouTube channel may take time to build, but once you have an audience, these platforms can generate passive income through ads, sponsored posts, or affiliate marketing. Choose a niche that you’re passionate about, and create consistent content to attract followers.

Pat Flynn from “Smart Passive Income” started his blog as a side hustle while working as an architect. Today, it generates six figures annually.

Tips for Success:

  • Focus on producing quality, value-driven content.
  • Use SEO and social media marketing to grow your audience.
  • Monetize once you have a steady flow of traffic through ads, sponsorships, and affiliate links.

You may also be interested in reading my detailed “Blogging” or “YouTube” blog post here.


6. Create and Sell Print-on-Demand Products

With print-on-demand (POD) services, you can create designs for T-shirts, mugs, and other merchandise, then sell them without worrying about inventory. Sites like Printful, Redbubble, and Teespring handle everything from printing to shipping. You simply create the design and promote your products.

An example is Kat Norton, also known as Miss Excel, who started creating digital products and courses, including print-on-demand merchandise, which allowed her to build a business on the side. She later went full-time as her business grew.

Tips for Success:

  • Create unique, appealing designs that cater to a specific audience.
  • Promote your designs on social media or through influencers.
  • Leverage holidays and trending topics to create seasonal products.

You may also be interested in reading my detailed “Print on Demand” blog post here.


7. Become a Virtual Assistant

Many businesses and entrepreneurs need help with administrative tasks, and if you’re organized and tech-savvy, you can work as a virtual assistant. Tasks may include managing emails, scheduling appointments, or handling social media. This job is highly flexible and can be done part-time.

Tips for Success:

  • Take a course to learn in-demand VA skills (e.g., managing social media, email marketing).
  • Build a small portfolio and gather testimonials.
  • Start by offering services in your spare time and increase your client base as you get more comfortable.

You may also be interested in reading my detailed “Virtual Assistant” blog post here.


8. Sell Handmade Crafts or Artwork

If you’re creative, you can sell handmade crafts, artwork, or digital art on platforms like Etsy or Shopify. Whether it’s custom paintings, jewellery, or even downloadable artwork, people are willing to pay for unique, handmade items.

Alicia Shaffer, for example, who started her Etsy shop “Three Bird Nest,” grew her business to $70,000 a month by selling handmade items while still balancing family life.

Tips for Success:

  • Focus on creating high-quality, unique items.
  • Offer custom options to appeal to a broader audience.
  • Use social media platforms like Instagram and Pinterest to showcase your work.

You may also be interested in reading my detailed “Crafting” blog post here.


9. Stock Photography

If you have a passion for photography, you can earn money by selling your photos on stock photography websites like Shutterstock, Adobe Stock, or iStock. Whether you’re into landscape, portrait, or event photography, there’s a demand for high-quality images.

Tips for Success:

  • Focus on popular categories (e.g., business, nature, technology).
  • Consistently upload new photos to increase your portfolio.
  • Use keywords effectively to ensure your photos are easily discoverable.

You may also be interested in reading my detailed “Stock Photography” blog post here.


10. Create an Online Course or Webinar

Online learning is booming, and creating your own course or webinar can be a lucrative way to make money online. You can teach anything from photography to business skills to coding. Platforms like Teachable, Thinkific, and Skillshare make it easy to get started.

For example, Marie Forleo, the founder of B-School, started by creating online courses in her spare time. Today, she runs a multi-million-dollar business based on digital education.

Tips for Success:

  • Choose a course topic you’re passionate and knowledgeable about.
  • Invest in good-quality video and sound equipment if you’re teaching via video.
  • Offer your course on multiple platforms to reach a wider audience.

You may also be interested in reading my detailed “Online Courses” blog post here.


Ready to Start Earning Money Online?

Making money online while working full-time is a realistic goal with the right approach. From freelancing and digital products to teaching and selling your own creations, there are plenty of opportunities to generate extra income without leaving your 9-to-5 job. The key is to choose a side hustle that aligns with your skills, interests, and schedule, so you can gradually grow your earnings and possibly turn it into a full-time endeavour one day.

As Robert Kiyosaki, author of Rich Dad Poor Dad, famously said:
“The richest people in the world look for and build networks, everyone else looks for work.”

"The richest people in the world look for and build networks, everyone else looks for work." - Robert Kiyosaki

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