How to earn money online

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Well, there are all sorts of opportunities to do just that if you're willing to put in a little bit of effort. Our guide contains 50 money-making ideas, including clever ways to make cash online, by using your home or by using the money you already have.

Make your money work harder One of the best ways to make some extra money on top of what you earn is simply to make the money you have work harder. Boost your savings rate Interest rates on savings accounts are generally pitiful across the board at the moment, but there is still a big difference between the top-paying accounts and the worst accounts on the market.

In JulyWhich? You can use the Which? Move your money into a Best Rate savings account to maximise the amount of interest generated. Money Compare to find the best rates for your savings Alternatively, you should check out the current accounts that pay interest.

Find out more: best bank accounts if you're always in credit - our tables show which account is best for you. Get paid to switch bank account The introduction of the Current Account Switching Service has made it easier than ever to change bank accounts, which has made providers keen to tempt switchers. Find out more in: the best bank accounts for cashback - our tables show which account is best for you.

50 ways to make money

It's worth exploring the best Isa deals on offer to ensure effective way to make money aren't needlessly handing over the interest you make to the taxman. Shop for an Isa using Which? Money Compare. Use a credit card that pays you Cashback credit cards reward customers every time they make a purchase.

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By putting your everyday spending on the card, you could potentially earn hundreds of pounds a year. However, it's important to avoid spending more than you can afford to pay back at the end of the month, as the interest charges are likely to outweigh any rewards.

You can use Which? Money Compare to search for the right cashback credit card for you. There's no guarantee that your returns will be as effective way to make money as those offered by traditional savings methods, but the opportunity to become a millionaire overnight can be tempting.

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Find out more: our premium bonds guide shows you the odds of winning a prize or watch the video below. You then put the money that would have left your current account into the highest-interest savings account available.

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Stoozing was popular a few years ago when saving rates were high. That said, once they start to rise, this savvy move is likely to binary options strategy barcode into its own again. Check your benefits There are plenty of benefits available from the government that can help boost your finances.

Reclaim lost cash You could have money sitting in a forgotten bank or savings account. Find out more: How to find lost bank and savings accounts — this guide explains the steps you need to take to reclaim your cash. Lend your cash using p2p websites Peer-to-peer or p2p websites directly match savers with borrowers. They can offer more favourable rates to both sides compared with traditional banks because of lower overheads. However, there is a bigger risk of losing some of your investment through a borrower defaulting on their loan.

What's more, peer-to-peer websites aren't covered by the Financial Services Compensation Scheme FSCSmeaning your funds aren't protected if the website goes bust.

Find out more: our guide on peer-to-peer lending looks at the pros and cons, or watch the video below. Try investing your money for better returns If you're willing to learn the basics of investing in equities, you could earn much higher returns from your savings than if you store your cash in the bank.

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However, there is always an element of risk involved when putting your money into stocks and shares. Even the most educated investors sometimes lose money. It's often recommended to spread your funds across a wide range of investments for this reason.

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Find out more: are you ready to invest? Use a good fund supermarket A fund supermarket allows investors to buy and hold a range of funds from different companies together in one portfolio. They often provide extensive research and information on each fund, so can reduce the risk traditionally associated with investing, and help customers achieve market-beating returns.

Find out more: fund supermarkets reviewed - find out the highest-rated fund supermarkets. How to make money online The internet can easily part you from your money but, with a bit of creative thinking, there are plenty of ways to make pounds online.

Sell your stuff on Ebay Unless you've been hiding under a desktop computer for the past 20 years, you will have heard of Ebaythe most popular auction site on the web, which you can use to boost your income by selling virtually anything.

It's a good idea to set up a PayPal account, as this is the preferred method of payment and offers buyers peace of mind.

Comment Synopsis With the Internet taking over and influencing a large part of our lives, especially now with the work from home and social distancing situations in place to tackle coronavirus, more people are looking to ways to earn money online to increase their financial inflows. Coronavirus lockdown: 10 ways to make money online Earning money has typically been associated with and restricted to traditional 'offline' route. With the Internet taking over a large part of our lives, more people are looking to ways to earn money online to increase their financial inflows, with secondary income streams. You should be mindful of the platform that you choose.

Sell for less on Gumtree and Facebook Marketplace The internet has taken over from newspapers and notice boards as the place to put classified ads. Gumtree and Preloved and, more recently, Facebook Marketplace are some of the biggest sites where you can advertise items you want to sell, complete with images and descriptions — free of charge.

Share opinions in surveys There's a fair number of research agencies that pay a small amount to people who complete surveys online.

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All you have to do is answer the questions. PanelbaseValued Opinions and Toluna are among the bigger agencies. Sell your photos online If you can take a decent photo, you may be able to earn some cash from it online. Shutterstock, Alamy and RF pay contributors when members download the images they have uploaded. Share your skills Lots of online sites can help you make money from your skills in your spare time.

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The site connects people who need a hand with odd jobs, and people who have some time and know-how. You can also use Fiverr or Fivesquids to offer a service such as graphic design skills that you can provide online. Review music for cash If you're a music enthusiast, you might jump at the chance of getting paid to review unsigned artists. Slicethepie allows you to do just that.

How to Make Money Online: 28 Real Ways to Earn Money Online

Users get paid based on the quality of their reviews, and there is no limit to the number of artists you can review. Rent out the stuff you own Rather than selling stuff you rarely use, you could rent it to other people using sites such as RentNotBuy or Fatllama. Vehicles, evening dresses and household tools are among the most commonly rented items on these sites, and you can set the price and length of time you are willing to lend your items for.

Unlock cash on gift cards Got one too many gift cards for shops you never go to? Websites such as Card Yard allow you to unlock the cash on unwanted gift cards.

How to make free money When times are tight, it can be difficult to balance your budget, but it is possible to generate some extra cash without an initial outlay. Here, we've rounded up innovative ways to boost your bank effective way to make money by getting free money. The cashback opportunities are tailored to your spending habits, but you will need to activate them.

You can do this through your online banking or mobile banking app. Refer a friend Many companies have refer-a-friend schemes that can sometimes earn customers money.

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One website called refermehappy collates these deals and acts as effective way to make money social network, giving more people more opportunities to benefit from the rewards. But make sure the services you recommend to friends are suitable first. Enter competitions Sign up to a site such as Magic Freebies or Latest Free Stuffwhich aggregate all the latest competitions you can enter. Get paid to browse the web If you're a regular online surfer, you could get paid to click on adverts, visit websites, and open emails using websites such as Qmee and Inboxpounds.

Qmee, for example, pays you when you search online. It works through a browser extension that pops up with a set of results each time you use an engine like Google or Amazon. If clicked, you bank the money until you want to cash out. Test products for cash If you're interested in testing new products before they are launched - from food to the latest technology - you can get paid for giving your opinion on them. Rewards come in the form of either a cash payment or gift vouchers, and you should be told in advance how much you'll receive.

There are a number of websites online that you can sign up to, including Paid Product Testing. Use smartphone apps that make you money There are a plethora of free smartphone apps that can make you money, the more you use them.