Step by Step Guide For How to Earn Money Online Without Investment

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Welcome to the Step by Step Guide for How To Earn Money Online Without Investment!  This Guide Shows Exactly How You Are Going To Earn Money Online.

I’m very glad that you’ve decided to check out my free step-by-step Earn Money Online Without Investment guide!

Hopefully, you will find this guide helpful and will also find the answers to the questions you have regarding making money online.

Is it possible to Earn Money Online Without  Investment?  Yes, it is possible and there are many platforms online which offers you the opportunity to earn money without investment.

I believe this is going to help you get started the right way in the online business world.

This guide is quite long so below are the sections you can click on for better navigation:



My name is Shubhangi and I got started in the online money-making world back in 2016.

I am Shubhaangi, a Reiki Master Teacher.

giving reiki to pets

For the last many years, I was practicing my career as a Yoga Teacher, Reiki Master Teacher, and  Animal Reiki Practitioner.

I was quite happy with my practice,  but one fine day I stumbled upon  Wealthy Affiliate.

I was very curious and decided to be a member of WA for a month.  But as I continued to WA training I recognized the scope of the Internet and the value provided by Wealthy Affiliate.  Within a few days, I go yearly, as it is more cost efficient than paying monthly.

Wealthy Affiliate has great resources, tools, and training, which can establish anyone as a brand or an authority in any chosen niche.  I realized that I can offer my services to a much larger crowd as the Internet has 4 billion users per day.

Each one of us has some hobby or passion.    You can share your experience, knowledge, tips, and guidance to your audience in your chosen niche.  As you solve their problem share your content with your readers, slowly you build your authority.

Honestly, when I started two years ago and chose Reiki as my niche, I was little hesitant and terrified to start a blog on Reiki as Reiki is a very competitive niche and has many well-established sites on Reiki.

If you do a keyword Research for the term “Reiki”, it shows 33,000+ searches, 212 QSR, and SEO matrix just 65.

keyword research for the term reiki

But I just decided to share whatever knowledge, and experience I have over the years as a Reiki Teacher, and I started my website on Reiki –   After two years, I ranked on Google page 1, position1.

Google 1st page 1st rank

I am not bragging but just to let you know that if I can do it, anyone can!

To let you know the truth, I had no knowledge of computers, you can call me a computer illiterate still today. but luckily I stumbled upon this amazing platform which gives me all the training needed. The training is so simple, up to date and easy to follow that anyone can become an authority in any niche with hard work, patience, and persistence.

I started my online journey with Clixsense.  a PTC website.

It’s one of the legit website, where you get paid for doing surveys, small tasks, etc.  It was a great site, but what I realized that it consumes most of my time, earning very little comparing the time I am investing!

In the beginning, it was fun, but slowly it becomes routine and nothing creational!  I realized that taking paid surveys was time-consuming and not the best way to make a full-time income because companies don’t pay that much per survey completed, so I kept on searching for other ways of earning money.

Somehow I get hooked to the idea of make money online, I just love working online.  The other reason might be I hate traveling in crowded trains and buses daily for earning living.

So Working online instantly caught my attention and how cool is that you can earn money from the comfort of your home!!



While working with Clixsense, I came across an advertisement for a platform, which gives you a good opportunity of earning money online.  I searched for the website, go through many reviews, and it seems like this was the opportunity that I was looking for.

I joined and never looked back, I never regretted joining this community.

If you are reading this guide to make money online without investment, I can assume that you are also interested in making money online.  You might be residing in a different country, but we are on the same page – We both want to earn money online, in an honest way!


That’s why I created this guide to share my knowledge and some tips about online marketing and how to earn money.  I want to help you in guiding you in the right direction in an online world.

I can help you to build your own online business, where you can earn a full-time income, and what’s more, you can follow your passion or hobby, to create wealth for you!

I’m so excited for you! This is going to be an amazing adventure where you’re going to get out of your comfort zone, try different things and learn new skills !!!


Before you get started, I wanted you to know that the Internet is full of good and bad opportunities.  Scammers try to take advantage of the people who are tired of their 9-5 job, scam products and are struggling financially.

I also wanted you to know that earning money online is not a get rich quick scheme.  If you come across any business opportunity that promises you thousands of dollars, in a week or a day, without doing any work, be sure that it’s a scam program. 

Like any other business, creating your own online business takes a lot of hard work, patience, and persistence.

I wish there would be a system like that, where you can earn thousands of dollars without making any work, the world would be a better place, less poverty, and fewer crimes!

But the fact is you have to work hard to earn money online, it is not different than any other business.

Like anything in life, you need to put an effort in your online business, if you don’t invest your hard work in your business, it will be very difficult to earn money.   The more effort you can put into it, the more results and income you will enjoy down the road.

Online success depends on how much effort and hard work you put into.  You need to put both effort and time to be successful in the online world.  If you are ready to invest your effort and time, then success will follow you.


As I mentioned above, there are many ways to make money online, but the best way to make a consistent income in a legit way is what I am sharing with you!


The first thing you should do is to find out a hobby or a passion of yours, which would you like to share with your friends and people.

I am sure you must be passionate about a particular thing and have a deeper knowledge in the subject, say you are passionate about any sports game.  You are quite an expert and love to share your thoughts on that particular game.

Second, you are going to create your own website, don’t worry, if you are the same as me, who did not have any knowledge of making websites.  Today it’s very easy to make your own website and you do not need to have any coding knowledge. You can literally create a website within 30 seconds!

Don’t believe me?

  Watch this Live Video – Create A Website Under 30 Seconds

Now you have your business base ready, go ahead and share your thoughts and knowledge of your niche(passion, hobby) with other people, who are searching for the information.

Every day around 4 billion people search the Internet for the information, you can help them out!  By writing useful content on your website you can help these people who are searching for the relevant information.

They might be searching for relevant products or reviews of any product, can you guide these people by giving them the right information about the products, whether a product is useful or not in your sports niche?  If yes, then you should share this information through your website.

When your article gets ranked in the search engines, people who are searching for this information find your article, they read your article and suggestions.  If they like what you write, and recommended products, they click on the products, and if they buy that product, you get commission!!!

That’s how you earn your commission and money online.  You can write any number of posts and promote thousands of products from reputed and established online markets like Amazon, Apple, Nike and any of the company.

This module is known as Affiliate Marketing and thousands of people earning 6 to 7 figure income from promoting other products to earn money online.

Now how do you like this?  You already have a passion for sports, you have enough knowledge about that sports game, you just need to share your knowledge with the people, make them recommendations about best products for them and when they buy products, you get a commission.

As an affiliate marketer, you don’t need to create your own products. You will be promoting other people’s products instead. There are lots of companies like eBay, Apple, Amazon, and Walmart that have affiliate programs, which are free to sign up.

After joining an affiliate program, you will be able to promote the company’s products/services with the affiliate links they give you. And then, when people click on your affiliate links, they will be taken to the products page and you will make a commission when they buy a product.

Millions Of Products To Earn Money From

The best part is millions of products available on big online markets like Amazon, eBay, you can choose from.  To start with find products which you have you are expertized in, you can share your firm opinion about the product.

You can promote as many products as you want and earn money from it.

No Need To Be Good At Sales

As an affiliate, you just need to promote products through your website and social media like Facebook, Twitter, and so on.

There is no need to sell the products in person or on a phone.   But while promoting products one thing that you MUST remember is to promote products which will help your audience,  which will solve some problem of your readers.

Promote products with good quality and best suited to their needs.  Trust is the most important thing while dealing online.  It is necessary to create a sense of trust in your readers, so that when you make some product recommendation, they trust you, and buy the product.

The Most Important Tip

If you want to be successful online, before thinking about the sell, think about your audience and how can you help them.  How can you solve their problem, or suggest some product which will help them.

If your audience trust you, sure they will buy from you, again and again.  So very careful while making any recommendations to people.  Don’t sell them any crap product for the sake of commission, in the long run, it will harm more than anything else.

You Don’t Need To Be An Expert

What if you are not an expert in the subject or the niche you chose.  Matter of fact, you do not need to be an expert, nobody is an expert when started out.

The Internet is full of information, do research on the subject, It’s ok if you are not an expert, but if you continue with the procedure, you will become one!

Can You See The Potential?

There are 4 billion people searching daily, for relevant information.  these 4 billion people can be your customers if you help them, give them useful information, help them make an informed decision.

The best thing about blogging is that once you create a quality piece of content, it will work and earn for you months and years.

Doesn’t it sound amazing to get paid over and over again for something you did once? So imagine if you write a hundred posts or more, your website will get more visitors which means more traffic and more money!

Oh, and another thing is, you don’t need to pay a dime to the search engines to get your posts ranked and you can even start building your website for free:)


We can recap the process of earning money through affiliate marketing in 4 simple steps.

Choose a topic you are passionate about or have an interest in. I recommend that you choose something you have a passion for instead of what you think that will make you the most money. I mean, if you choose something you’re not passionate about you might eventually get bored and end up quitting.

Build a website. The website you’ll build will be about the topic you’ve previously chosen. This is easier than you may think because it doesn’t require you to have any technical or coding skills. The place I will show you has an easy-to-use website builder that will enable you to build at least 2 FREE websites in a matter of minutes.

Attract visitors to your website. You will provide helpful articles (with affiliate links included) to your audience, which will get ranked on the search engines and drive visitors to your website. The best part is, you will not have to pay a dime to get visitors and there’s no limit when it comes to the number of people that visit your website!

Earn money. And finally, when people click on your affiliate links and purchase your recommended products/services, you will make a passive income! ????


By now you must have a clear idea about Affiliate Marketing and your role as an Affiliate and potential money you can make!

You must be thinking about how to build a website and all the tools needed for starting up the business.  I want to introduce you to an online platform that gives you all the tools and training to build your business for free, yes totally free!

It is a free resource where you can earn money online without investment.  This Online Platform is Wealthy Affiliate.

Now to build your online business through Affiliate Marketing you need following things to start with:

      1. Your Own Website
      2. Hosting
      3. Keyword Research Tool
      4. Training

At the least, these things are a must to start your business but do not worry about the cost, Wealthy Affiliate Starter Membership offers you all these tools for free!  It is a platform that offers you a free website, hosting, keyword research tool, and training totally free!

Start-wa training banner


If I have to define Wealthy Affiliate in a single word, it would be: Awesome!

Wealthy Affiliate is an online training platform that provides step-by-step training, easy-to-use tools, and support that help people start affiliate marketing businesses from scratch and take them to any level of success they want.

When I joined WA, I was not sure if the program was right for me, as I do not have any technical background and no computer knowledge, I was very skeptical about it.

Another hurdle was my English, English is my third language and little doubtful, whether I will be able to follow the lessons and training, as WA is ONLY English based platform.

But to my surprise, the training is led down in a simple step by step method that anyone can follow these lessons.

The first impression of WA on me was very positive, it’s a totally spam-free and safe community.  Though WA has more than 2 million members,  the atmosphere in the community is encouraging, healthy, and welcoming.

You never feel alone and anytime you need help, some of the others are readily available to help you out!

Must mention the owner of the WA, who are always there to welcome and introduce themselves to the new members.

The training is also great because they teach you how to get started from zero. They walk you through the process of choosing a niche, building your website, creating content, finding products to promote, getting your website ranked in the search engines… everything to finally make passive income online!


Wealthy Affiliate is a platform where you can build your business Under One Roof, as all the tools and training needed for your business is available on this platform.

I want to be completely transparent with you. If you sign up to Wealthy Affiliate through any of the links from this guide, I will get compensated. But I will do my best to help you out because I really appreciate your support and I believe in you.

Let’s see what’s included:

  • Website Tools
  • Website Hosting
  • Keyword Research Tool
  • Step-by-step training
  • 13 Classrooms Full Of Training
  • Weekly Live Events
  • Live Chat
  • A Huge Community Full Of Support

Even I tried to list all the features of WA, I am sure I may have missed one or two, WA offers you so much that you personally need to have a look inside the WA.

If you can’t wait to see what’s inside for yourself, then you can get your starter membership now because it’s totally FREE:

create free account


Website Tools

At Wealthy Affiliate, you can find a variety of useful tools for your website:

SiteManager. With SiteManager, you can access your website/s in a matter of seconds. It also includes site emails, an easy-to-use tool that allows you to create email addresses for your domains.

SiteBuilder. Remember that I told you that you can build websites easily? SiteBuilder will let you build your website in a matter of minutes (not to say seconds).

SiteDomains. Here you can search for domains to purchase. They cost $13.99 – $15.99 per year.

SiteContent. This one is great to write posts and publish them on your website, it includes a grammar check and millions of pictures to choose from to include on your posts.

Site comments. Tool that allows you to post comments on other websites and get comments on yours.

SiteFeedback. Want to know what other people think of your website and what you can improve? SiteFeedback will help you with this.

Site support. Whenever you have an issue with your website, you can send a ticket to SiteSupport and will receive a reply soon. In my case, sometimes I’ve got a reply in 10 minutes or less!

Want to see how easy it is to build a free website?  Watch this video to see how it is easy to build your own website.

Building Your Website, Literally in 30 Seconds

If you have decided your niche, the and name of your website, you can create your own website by entering the details.

Website Hosting

Hosting your WordPress websites has never been a more secure, yet powerful.

The brains behind any successful hosting platform are the intricate technical process that nobody ever sees. Wealthy Affiliate provides a hosting experience you can feel safe running your businesses on. WA takes care of the technology so you can focus on your business.

WA uses Amazon hosting for all of its websites, and give the average upload time is 1.3 seconds.

WA double host your site, means if one of your sites is to go down, another mirror version of your site is running all times.

Everyday backup of your site, is another important feature of WA hosting.

If you already have your own domain that you’ve bought somewhere else, you can easily transfer it to WA and host it on WA’s hosting platform. Apart from it, you can also transfer your free website to your own domain inside Wealthy Affiliate.

Keyword Research Tool

If you are working online or have an online business of any kind, you must have the knowledge of keyword research,  Keyword research is essential as it helps you to find out what your potential customers are searching and what keywords they are using.

WA offers you a free keyword research tool, Jaaxy, the most advanced keyword research tool, as a starter member you have 30  free keyword research.

Try Out Free Keyword Research!

Do not worry if you do not know how to do keyword research, as there are ample of pieces of training on

keyword research.

Step-By-Step Training

The main USP of WA is its step by step training.  After signing up, start your training with Online Certification Training, which you will find at the left sidebar, click on the Training Tab, you will have the first module free under starter membership.

The lessons are short and easy to follow, with simple tasks at the end to complete,  These tasks are very easy, but my request is not to miss any of the training.

Every lesson of the training is helpful to build your online business and will give you important insight into an online industry.

You’ll see the training is really easy to follow and understand =)


Apart from this phase 1 of training you also have access to another Bootcamp training, which has 7 [hases and 70 lessons in total.

As a starter member, you have access to 1 phase of boot camp.

In case you want to learn from a particular topic, there are 13 classrooms full of tutorials, courses, videos, questions…

  • The Wealthy Affiliate Platform
  • Authoring & Writing Content
  • Search Engine Optimization a.k.a. SEO
  • WA Affiliate Program
  • Getting Started
  • Everything WordPress
  • Email Marketing
  • Website Development & Programming
  • Social Engagement & Marketing
  • Local Marketing
  • Pay Per Click Marketing a.k.a. PPC
  • Keyword, Niche and Market Research

Video Marketing

Live WAbinars by Jay, is the main USP of WA training,  You can watch webinars from 2012, but it’s only for premium members.  Every weekend, Jay walk you through the different aspects of Search Engine Optimization and other important subjects of online marketing.

Its an hour-long training, with live chat, you can also ask a question directly to Jay.  There are more than 300 Live Webinars available to watch and learn from.

 Live chat to get instant help

In case you have an issue or don’t understand something, you can use “ask a question” to get replies and opinions.

Create a training course/tutorial/video to help other members. You can earn credits if the training is useful for other members.

Ask questions or post comments in the discussion area below each lesson.

Post a comment on any member’s profile, the owners included!

Send a private message to the owners or any member.

Send a ticket to SiteSupport if you have any technical questions about your website/s.

I’ve personally never seen anything like Wealthy Affiliate, I’ve never heard of any other platform that has these many tools, support and training!


Wealthy Affiliate has Three memberships:

Starter Membership (absolutely FREE)

Six Month Membership

Premium Membership.

The Starter membership is free to join and you can remain as a free member for life or as little as you want.  Starter membership gives you the idea of how WA functions and how can you build your online business.  So make most of this membership, which for 7 days, give access to full premium membership benefits.

The Free Starter Membership

This is what the Free Starter Membership includes:

  • 2 Free Websites
  • Website Builder
  • Free Website Hosting
  • Keyword Research Tool (only 30 searches/month)
  • Access to 2 Classrooms
  • Level 1 of the Online Entrepreneur Certification course
  • Phase 1 of the Affiliate Bootcamp course

It’s free membership of WA, and you don’t need to give any credit card information.

The Six Month Membership

Six Month Membership gives you a better understanding of how affiliate marketing works, and six month is usually when one can expect to start earning money!

The longer the membership term you purchase at once, the greater the discount!

The Premium Membership

Starter Membership gives you the idea of what it takes to build an online business and the tools it needs.  WA provides all the tools and training needed to build your online business.

If you are serious about building your online business and taking it to next level, a premium is the best options for you.

Let’s see what the Premium membership includes:

      • Keyword Research Tool with Unlimited Searches
      • Easy-To-Use Website Builder
      • All Website Tools
      • Powerful Website Hosting
      •  host 25 Free Websites + 25 Own Domain Websites
      • SitePlus (SiteSpeed, SiteSSL & SiteProtect)
      • Technical Support
      • Access to the 13 classrooms
      • Access to All Levels of the Online Entrepreneur Certification course
      • Access to All Phases of the Affiliate Bootcamp course
      • Access to All Live Events
      • Live Chat
      •  Ask Unlimited Questions
      •  Send Private Messages to anyone inside the community
      •  Create Training and get paid for it, every training you create earns you $5.
      • Blog at Wealthy Affiliate
      •  Earn Credits & Commissions with the WA Affiliate Program


When it comes to the cost, the normal cost is $49/month but you can get a 61% discount for the first month (only $19) if you join using the button below.

For Six Month membership, you can save $60, by paying $234, and 20% off!

I also let you know that you can save money if you purchase the yearly Premium membership which is $359/year (less than $1/day). I knew that I would stay at WA for the long-term, so I took advantage of the yearly Premium membership and I’ve saved $229/year. ????

Another yearly cost is your own domain for your website, which costs $13.99-$15.99 per year.

But don’t worry because you can get started for FREE and try out some of the Premium features during the first week, and then you can decide whether to upgrade or not. No one will force you to upgrade, it’s all up to you!!

I would not recommend you to jump start to Premium Membership.

My personal opinion is, first you should sign in for Starter Membership which is totally free to join, workaround and see if this platform is for you.

create-your-free-account button


SCAM program has some specific red flags, which anyone can notice

  • Scam programs make huge earning claims like making $1000 in one day and so on
  • They always advertise their business like a shiny object with huge cars.
  • Owner of the Scam programs never reveals their identity.
  • Most of the times they use fake testimonials of their success.

Below you can see Kyle and Carson with their families:


Wealthy Affiliate Has Existed Since 2005

Most scam websites and low-quality products don’t last long because they get reported and shut down as a result of not providing value to the market.

In this case, Wealthy Affiliate has bee around for more than 12 years already, which tells us a lot about its legitimacy.

Below you can see how Wealthy Affiliate looked back in 2005:

And here’s how it looks now:

homepage-of wa

They Don’t Make Falses Promises

If I Work at This 8 Hours Per Day

It’s Being Improved Every Year

WA started in 2005, as a keyword providing the site, not including any other single tool available today within WA!

It’s really astonishing to see a platform grows so much qualitatively without charging an extra dollar from its members.

In 2005, also it costs the same fees, as it today!  No hike in fees in 12 years, it is unheard in any industry!

The latest technology is made available to members without any extra cost!!

cta WA

Wealthy Affiliate Success Stories

Another thing I love about Wealthy Affiliate is that the success stories are real. They’re written by real people who have followed the WA training and earned real money! It shows that, if you’re committed to putting in the work and time, you end up reaping the rewards.

Let me share some success stories with you:

The biggest success story in Wealthy Affiliate is Jerry, at the young age of 21, he has created a success story,

2018 Was The BEST YEAR of My Life So Far

Vegas 2019. Thank you, Kyle & Carson!

Success story 1 –“Biggest Influencer Job To Date – R12 000: Bring It On!” by Lynne.

Lynne joined Wealthy Affiliate in June 2015, and I am impressed by her personal and professional success.  Lynne has created her own success story also in Pinterest with half a million monthly visitor, with Fiverr, earning $5000 and more! A great inspiration for all of us!!

Success story 2 – “I Never Really Expected To Build A Million Dollar Company” by DomW

Dom is a very successful Internet entrepreneur who joined Wealthy Affiliate in 2012 and has built a million dollar company. In this blog post, he talks about his experience and the lessons he’s learned along the way. You can read the full story by clicking on the picture below.

Success story 3 –“2018 Year In Review: $40K Thank You WA! Happy New Year! “ by littlemama

Grace joined Wealthy Affiliate back in September 2016 and has already reached the $1000/month milestone. I love the fact that she keeps writing about her progress every month 🙂

There are hundreds of success stories, I would never finish this guide if I posted them all lol. This is proof that what is taught at Wealthy Affiliate works!


Here are answers to some questions that are frequently asked:

Can I Earn Money As A Free Starter Member?

Yes, to an extent there are many opportunities to earn even if you are a starter member.  But as a premium member, you have greater opportunities to earn more.

Read Here: Earn while you learn

How Long Does It Take To Make Money?

It depends on many things like your niche, how many hours you are working on your site, how many times you are posting and so.

Success stories within WA, tell different stories, but generally, it takes 3 to 6 month to make your first dollar online.

Is Wealthy Affiliate For Me?

WA is for everyone who is committed to hard work, patience, and persistence. Who is ready to work continuously on his websites and build a strong foundation for business.


Is Wealthy Affiliate A MLM?

No, Wealthy Affiliate is not a MLM because:

You don’t need to recruit other people into the platform to make money. The training teaches you to build an affiliate marketing in any niche.

Even though you can take part in the Wealthy Affiliate’s Affiliate Program, you don’t earn commissions from the sales of your referrals.

Can I Build This Business If I Have A Full-Time Job?

Yes, many people who joined WA has a full-time job when they started,   They work on their sites, side by side. Once they get started income from their websites, they slowly become a full-time online business owner.

The more time and effort you put into your business, the sooner you will be earning passive income and have more freedom.


In case you have any more questions, I suggest that you create a FREE account at Wealthy Affiliate and reach out to me inside. You can write me a message on my profile anytime and I will get back to you as soon as possible!

Here’s what to do next:

  • Create a FREE account at Wealthy Affiliate
  • Complete your account set up by adding an image and a description of yourself on your profile.
  • Start the Online Entrepreneur Certification course.

Have A Look At Wealthy Affiliate

Write me a message if you have any questions.

I hope you find this guide helpful to you and a guide to making an informed decision on your journey.  I wish you all the success and would like to see you as a Wealthy Affiliate 🙂

7 thoughts on “Step by Step Guide For How to Earn Money Online Without Investment”

  1. Hi Javita,

    Thank God for people like you on Social Media. I am unemployed and looking for way to make money on the Internet. I don’t have bundles of money to invest, but I would like to try with minimum, basically on what I can afford.

    For me to come on your page, is because I wanted to buy a software that can help me earn money, but after I checked, by doing my review, is how I got here. Wow, can’t believe the info I read about this business, that sounds so convincing.

    I don’t want to be a victim of all these scammers on the Web. I want a legit business that I can learn and earn, can you point me to the right direction with your advice, will really appreciate it, thank you very much.
    God bless you

    Yours Faithfully
    Angela Mann

  2. To earn money online with zero investment is bliss for everyone. Here are some fantastic ideas to earn money without investing single penny in this blog. I will surely apply these tips. Thank you very much for sharing.

    • Thanks Marry,

      Glad you like the concept of earning money online with zero investment. Earning passive income is a great concept and everyone should benefit from the Internet. It’s offering so many new opportunities to earn money from the comfort of your home.



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