How to Make Money Without Money

How to Make Money Without Money
  • Opening Intro -

    Is it possible to make money without having a dime in your pocket?

    Yes, especially if you have an idea that you are ready to implement and already own the tools to get that idea launched.


Even without the tools in place, you may be able to launch the makings of a successful business with absolutely no up front cash investment from you.

1. Your innate talents. You possess one or more talents that can be converted into a marketable skill that others will pay money to obtain. For instance, if you are handy with wood, you can take discards and make a bookcase, a bird house or shelving, by using existing tools, nails and your ingenuity to craft whatever you want.

2. What you like to do. Clearly, no business will have much chance of succeeding unless you enjoy what you do. In the example of the woodcrafter, you must enjoy using wood, especially when that means transforming existing pieces into something new. This won’t work for you if you prefer only to work with unfinished wood. However, if you are a firm believer in recycling and upcycling, then your enjoyment may come naturally.

3. Provide a service. We live in a service-oriented society, far different from the product producing societies of a generation or two ago. That also means that many people have no idea or time to handle important tasks such as building a deck, installing plumbing, running electrical lines, fixing cars or tending to landscaping. You may need a license to handle some tasks, while certain jobs — such as lawn care — require only your availability.

4. Work as an affiliate. Not every job requires you to handle inventory. At least not directly. Online entrepreneurs have discovered that selling wares through an existing website can net them some cash. Become a drop shipper or post up ads to direct your site visitors to companies that will pay you a commission.

5. Ask your customers to fund your business. You may be able to launch your enterprise by relying on others to provide financial backing. For instance, if you previously worked for a business and attracted a loyal following, your customers may follow you to your new business. You can ask your customers to take a stake in your company, effectively providing the cash you need to get started.

6. Barter your services. You may find that having no cash on hand presents a distinct disadvantage to launching your business. You may also find that some clients want to use your services, but do not have cash on hand to pay for what you do. This is where bartering comes in. Instead of paying for new equipment, an accountant’s service or legal fees, you may be able to exchange your services for another person’s service. The exchange does not have to be direct either: you could provide the web consulting, another individual the legal support and a third person the financial advice. Trade among yourselves through a bartering group to make this happen.

Cash on Hand

Clearly, starting a business with no cash is possible. Once you start to make money, you can plough it back into the business. You can also secure legal organization and pay for those things you were not able to afford when you launched your business. Consider what you need to start your business and look for ways to keep money out of the equation as much as possible.

See AlsoAdvertising Options for Small Businesses


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Categories: Money Management

About Author

Matthew C. Keegan

Matt Keegan is a freelance writer and editor as well as publisher of "Matt's Musings", his personal blog. Matt covers campus, consumer, business and financial topics on various websites and blogs, and has been published in the "Houston Chronicle", "Sam's Club Magazine" and "Wisconsin Golfer".