April 8, 2025 • 25 mins
Everybody could use a bit of extra cash - and here are ten ideas on how to make it. And the best part? It's all online. Join Canna Campbell - a financial planner for 20 years - and Fear & Greed's Michael Thompson as make a list of ten digital side hustles.
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The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.
Canna Campbell is a Corporate Authorised Representative and Corporate Credit Representative of Wealthstream Financial Group Pty Ltd ABN 35 152 803 113 Australian Financial Services Licensee AFSL 412079.
See omnystudio.com/listener for privacy information.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Welcome to How Do They Afford That, The podcast that
peaks into the financial lives of everyday Australians. I'm Michael Thompson.
I'm an author and co host of the podcast Fear
and Greed business news. As always, I'm with Canna Campbell,
financial planner and founder of sugar Moment TV, the financial
literacy platform on YouTube and podcasts, TikTok and Instagram all
over the place. Hello, Canna, good morning. I'm looking forward
(00:25):
to today's episode because.
Speaker 2 (00:28):
We Hustling Cash.
Speaker 1 (00:29):
Yeah, Hustling Cash, and it's a part two and I've
always always enjoy a good sequel. In our last episode,
we were talking about making money online, as you referenced,
and we talked about a bunch of online jobs that
can actually be pretty hard to make money out of. Right,
We're talking about kind of the number of people in
the engagement, the relationship that you need to build with
(00:51):
people if you want to be an influencer, and kind
of how many downloads you need to make money from
podcasts and things like this. We're going to turn that around.
We're going to come up with a whole bunch of ideas,
a whole stack of online opportunities to make money. Think
of this as a list of digital side hustles, right,
(01:12):
can we make a living online? Maybe we need to
combine a few of these things into this list. Shall
we get started? Why not? I'm not even going to
set us a target. I'm not even going to say
we'll do ten.
Speaker 2 (01:24):
I like the name, I like the number ten. I'm
a bit of OCD, so ten's good for me.
Speaker 1 (01:27):
Okay, maybe we will set a target. Then I was
just going to say, we'll just keep going until we
run out of ideas. But let's set Let's set ten
and there might be a couple of bonuses along the way.
Etsy is huge, are you are you? Do you make
anything on Etsy? So it's like a marketplace, right yes?
Speaker 2 (01:44):
So Etsy is traditionally like handmade items like jewelry, candles,
like harm decoorps. So I have purchased many time off Ittsy.
In fact, the pillows on my children's come from Etsy,
from a store from Poland.
Speaker 1 (01:57):
Really. Yeah, it's it's a global marketplace. Like if you
were to have a an Etsy shop and you were
making something, whether it is kind of pillowcases or candles
or something, you might be selling to somewhere anywhere in
the world. We're in the world. Okay. So it's essentially
like the equivalent of like your Saturday morning market at
(02:19):
your like your kid's school or something like that, where
everyone kind of brings and sets up their stalls, except
for the fact that this is a global.
Speaker 2 (02:26):
Marketplace and now it's not just you know, homemade items
if there's digital downloads as well, so you know, planners
and organizers and templates and artwork and stock photos. And
there's also like vintage goods on itsy so you know,
thrifted fashion collectibles, you know, rare books.
Speaker 1 (02:43):
Hmen.
Speaker 2 (02:43):
Really, yeah, it's amazing. I mean it'sy is sort of
getting that way with Amazon, but more unique, quirki things
that you're you know you're going to find once offs.
Speaker 1 (02:54):
Okay. So it feels like it's it's perhaps got a
closer to eBay in some ways.
Speaker 2 (03:01):
That but it's got more of a store feel, okay,
whereas Eba you're kind of with an individual that might
have a store, but you can you know, it's very
intuitive of the way they used. You click on one
item that will show you a whole range of other
items that that person makes, or a whole range of
other items made that are similar made by other stores. Okay,
all right, it's a different experience.
Speaker 1 (03:21):
But you need some skills right for this, don't you?
You need to actually be able to make something.
Speaker 2 (03:26):
You can't just like moves your whole pile of like
wax and put a string in it and call it
a candle.
Speaker 1 (03:31):
No, you may be able to, Okay, So that's number one.
Number two we mentioned eBay, like online marketplaces like eBay,
like gum Tree, like Facebook marketplace, all of these ones.
Speaker 2 (03:44):
Deep Hoop as well Country Yeah, d one Deepop.
Speaker 1 (03:47):
What's that?
Speaker 2 (03:50):
Clearly you're not buying preloved clothing, so deep deep Hop
is where you can buy Sha. I bought a dress
the other day of Deepop. I wanted this dress. It's
sold out of my size. Really annoyed, upset, called all
the stores they call other stores for me anyway, couldn't
get it. Jumped onto deep Op. I found it within
like thirty seconds in my size, and the person had
worn it twice and in fact, when it came it
(04:12):
had the tag still attached. And I paid about thirty
percent of the original retail price.
Speaker 1 (04:17):
Really yeah, but this person had worn it with the
tags still on.
Speaker 2 (04:20):
I know, she said, I'd want it twice. So she's
worn it with the tags on?
Speaker 1 (04:26):
And did she have like you know how they put
on a B ANDWT brand new with tags.
Speaker 2 (04:32):
No, she said she'd worn it, so she couldn't say it.
She could have actually lied and said she had never
worn it and sold it to me. Then I thought
it was brand new because it had the tags on.
Speaker 1 (04:40):
Yeah, I'm very skeptical about.
Speaker 2 (04:42):
It, misleading, very I was to go if that person
was to lie, but so put on them for being honest.
But they could have actually technically probably gotten away with
it because it literally arrived feeling brand new.
Speaker 1 (04:51):
I would have asked to see the receipt to make
sure that that said. It all sounds mighty suspend anyway,
that's not like you to be skeptical, I am. I'm
very very skeptical, and I'm very cynical. Okay, So Deep
Pop Deepop, Superba, Facebook, Marcroplace, gum Tree selling stuff, selling.
Speaker 2 (05:08):
Stuff, you know, And I interviewed someone for sher Mum's
fireplay out of My Thin Air series where she found
items on the side of the road and would sell
them on gum Tree. She made when she started counting
because she said this is actually making quite a bit
of money. She made over twenty two thousand dollars.
Speaker 1 (05:24):
Wow.
Speaker 2 (05:24):
So you particularly you've got something you've bought and it's
now become quite rare. You can often sell things quickly
but also at a profit. It's a great way obviously decluttering.
So you know, they're on my marketplaces like as I said, eBay,
gum Tree, Deepop, and you can use you know, drop
shipping as well, where you don't actually hold the infantry,
(05:46):
so you're selling something that you've designed and created, but
it's manufactured and goes from the manufacturers straight to the buyer.
Speaker 1 (05:53):
Okay, which actually takes out a lot of logistics figures. Yeah, yeah, okay,
I like that one. Okay. So that's number two. Number
three online courses. What explain this one?
Speaker 2 (06:06):
This is huge and a lot of influencers make a
lot of money, particularly in America. So this is where
you're teaching a skill you know, photography, fashion, coding, social media,
personal development, even finance through an online program and you
sell the course and it kind of like there's a
(06:26):
lot of work upfront to create the actual course, the program,
the filming of the content or the writing of the content,
and putting it all together and you know, getting it ready,
so it's a proper finished product. But once it's live
and you've got a good marketing plan in place, it
can be quite a passive income stream. But there is
(06:46):
obviously a lot of effort required upfront, and you do
need to have some sort of marketing plan in place.
But you know, there's a Kajabi teachable think think ific Demi.
I think it's called.
Speaker 1 (07:03):
Those ones. I've only ever seen it written, I've never
actually said it out loud, and now that you, let's
call it you Demi. Okay, I'm sure someone will let
us know if we got it wrong.
Speaker 2 (07:13):
I do not around sounding like an idiot pronouncing it incorrect.
Speaker 1 (07:16):
You know there's going to be a video about this
now and appearing on your social media because I'm sure
that you just said it. Yeah, that's great to you?
To me? You to me? Is that what I said originally?
I don't know anymore. Memory you have successfully confused me.
That is quite something.
Speaker 2 (07:35):
Getting a great free shouto.
Speaker 1 (07:37):
Golly okay, so creating and selling courses on these platforms,
but again you need to have it. You need to
have an area of expertise, but a lot of people
have an area of expertise on something right, and the
beauty of this is it can be niche right and
probably actually the more niche it is the better because
it means you won't be competing with so many other
(07:57):
people setting up courses exactly. Okay, so that was number
number three. Number four is why are you laughing at
me or read? Is it because I get uncomfortable? Is
it because I go read? When we talk about.
Speaker 2 (08:10):
Normally the more inappropriate one've got your wind in the gut.
But I think this is an important one to be
spoken about it. I think, well, it has great sentence
and awareness, and it is a booming.
Speaker 1 (08:21):
You know, industry industry. So we're talking niche content here,
quite niche content, say, for instance, only fans, which has
really become a lot more popular in recent years.
Speaker 2 (08:34):
Yes, so there's only fans. There's Patron, and there's substack.
So Patron and substack are not for obviously adult entertainment.
So basically the way Patron and substack work is there
for writers and artists and educators. So again it allows
you to create special, unique content that is separate from
(08:58):
your free, normal social media content on Instagram or YouTube
or TikTok where people pay a feed like a monthly fee,
or they pay a fee to access a certain level
or amount of content that you create, and it's another
way of monetizing your content that you'd normally be just
giving away. And you know, it has been incredibly popular
with a lot of YouTubers where they have additional value
(09:21):
they can add to people, but they actually want some
sort of financial compensation for the value that they're giving.
Speaker 1 (09:26):
Okay, And I feel like this is actually one point
where we need to say that a lot of these platforms,
right you're actually seeing people be really successful and making
quite a lot of money, and they're actually been really
quite savvy from a business perspective because you see a
lot of there are a lot of news websites that
love stories about people succeeding, particularly and say the adult
(09:49):
content and talking about these phenomenal sums of money that
they're making. But these people are also then talking and
I'm putting away X amount for tax and kind of
doing all this and they're like, it's actually really smart.
Speaker 2 (10:01):
And that's the thing. You know, we touched on this
on the previous episode. Whilst this is you know, it
could be a site hustle. It's still taxable. Yeah, and
you still have you know, things that you can claim
is a deduction. You might have to do superinnuation. You
need to have the right legal setup as well, so.
Speaker 1 (10:14):
You're still treating it as income.
Speaker 2 (10:16):
Yeah, it's not a bit of extra spending money cash
on the.
Speaker 1 (10:19):
Side, secret money. Okay, that was number four, Number five
Virtual assistant. I think this is really interesting.
Speaker 2 (10:26):
I know quite a few virtual assistants and it's particularly
I see the common trend is moms with young children,
you know, kids still at school because it's very flexible
hours and they can sort of pick and choose what
clients they want to work with and what jobs you know,
they're willing to take on. What do they do quite incredible,
So anything from you know just basic everyday admin and
(10:48):
the life admin, you know, buying, organizing Christmas presents or
birthday presents or wedding anniversaries, booking trips, organizing your calendar,
doing social media, even some editing work as well, proof reading, copywriting,
customer service like it really is quite incredible, and you know,
working for particularly like entrepreneurs who are quite time poor,
(11:10):
who just don't necessarily need a full time assistant, but
they need someone who they can just get them to
clear their box or to make sure all the bills
are set up, or to make sure they haven't forgot
any important family events, or to help proof read things
before they're sent off. So it's actually, you know, you
can charge by the hour, or you can have like
a set fee for a certain amount of work, you know.
Speaker 1 (11:31):
Per month.
Speaker 2 (11:32):
But it allows a lot of flexibility. And you know
a lot of people do this remotely from all over the.
Speaker 1 (11:39):
World, so they're doing it from home, doing it alongside
and it is all online.
Speaker 2 (11:44):
Yeah, it's a low barrier to entry. Yes, you have
to be someone who's you know, really great with their
organizational skills because ultimately you're helping someone else with their
lack of organizational skills and obviously knowing how to network,
how to build a business, you know, how many clients
you can have. The only downside i'd see and correct
me if I'm wrong, is it's not that scalable. At
(12:06):
the end of the day, you can only handle a
certain amount of work. There are any certain amount of
hours in the day. So with like a you know,
a patron account, you know, more members you've got, there's
no more extra work involved where it substack.
Speaker 1 (12:18):
Yeah, same thing kind of. The more you grow, the
more kind of and you're still putting in the same
amount of work. You're just amplifying your income. But this
could well suit someone. This could well suit someone who
has a few hours and has some skills, or just
has some time and is able to actually provide that
support to somebody else.
Speaker 2 (12:35):
In fact, I know a VA who does sets up
people's online courses. She's an expert in kajabi and webinar
and all those sort of back end programs that all
need to be synced up together, and she specializes in that.
Speaker 1 (12:48):
So two, I used a virtual assistant. Recently. I was
setting up a newsletter through my to talk about books
and writing and things. And as part of that, I
needed some branding done within my social media and it
was to match kind of my writing and my website
(13:09):
and all of these things. And so there is there
was a wonderful person who was a writer herself, and
on the side she does virtual assistant and sets up
all of these things, and she set up my newsletter.
She provided me all these templates for social media, which
is Michael Thompson, author on Instagram, did the desperation come
(13:30):
out just then? Please?
Speaker 2 (13:32):
You shouldn't be despert, should be proud. I really enjoy
when a story flashes up on my Instagram.
Speaker 1 (13:37):
Very discerning in what I share. But it was really
really good, Like it was just like identifying something that
I can't do. I just don't have those visual skills.
And she did and she did it and did it
all remotely, did it all from home, provided me with
everything done, and it was quick and it was affordable,
and it was just it was great.
Speaker 2 (13:57):
Tom muses Avia as well. Really yep, she's lovely and
she when he hears a lot of his stuff, he'll do
his reports just into a voice memo and just emails
it to her so he doesn't even need to write
it down. And he was swearing because Tom's not has
got a bit of a gut of mouth. She didn't
realize and she put the swearing in the report for clients.
Speaker 1 (14:18):
Oh really, oh dear, okay, so it can got to
have a little.
Speaker 2 (14:23):
It was perfectly fine.
Speaker 1 (14:24):
We all have it. Really we had a really good laugh.
All right. So that's the first five. We're going for
ten here. Let's take a quick break and come back
with the next five ways to make a living online.
Can we are talking about making money online basically a
whole bunch of digital side hustles. Number six graphic design.
(14:49):
We kind of alluded to this one previously. You can
do all of this online remotely.
Speaker 2 (14:55):
Yeah, so there's ninety nine designs. There's a five Canva templates,
so you know, you can design logos and social media
graphics like you know your colleague did for you, website banners,
and you can also sell pre made templates on Etsy
and the creative marketplace, so you know, it can be
a really creative process that you can do, you know,
(15:16):
after hours, like which is a perfect site hustle from home.
And you can also make it into a passive income
if you're able to sort of sell a package or
a course on how to do this for yourself, so
you're not just giving people the material as you're teaching
them how to do it themselves.
Speaker 1 (15:31):
I like that again, it plays to your strengths and
helps people who don't have those strengths, because graphic design
is just something that even though Canva makes things so
easy now, I still have the unique ability to make
even a Canva template look terrible.
Speaker 2 (15:51):
I don't know, how why am I not surprised to
hear that?
Speaker 1 (15:55):
Oh there we go a little bit, a little bit
of snark sneaking back into what was overwhelmingly a positive
podcast s up until that point. Okay, so graphic design
is number six. Number seven is one that really does
require a bit of knowledge, right, Web development.
Speaker 2 (16:11):
Yeah, seo. So obviously building websites to search engine optimization,
managing blogs, managing forums. So obviously this can be in
a really high demand because if you've got to have
an online presence these days, So yes, you are going
to need some technical skills coding and website design, and
obviously a bit of a creative mind as well, and
(16:33):
understand what a website needs to be an intuite, easy
to use one. But this can actually feel good at
it can be highly profitable, and I know for myself,
I've spent tens of thousands of dollars on my own website.
You know, if you find someone who's good, they're worth
their weight in gold and you'll pay for it.
Speaker 1 (16:51):
Yeah, gladly. Right. Number eight gaming are you are you
a gamer? Oh?
Speaker 2 (17:00):
I'm so bad at gaming. I watched Rocko game and
I try and get him to do it with him,
and it's so confusing. I'm like, I don't understand, and
then I ask annoying questions like no. But so there's
like Twitch YouTube gaming esports, so like streaming live gameplay
I thing it's called, and you can earn from donations
(17:20):
ad revenue, and of course, like if you get a
sponsored sponsored job where you get like.
Speaker 1 (17:24):
A set fee, and again that requires you to have
a bit of a following though, right and another one
have to be pretty good at it, and you could.
Speaker 2 (17:31):
Do affiliate linking as well with that. So obviously it's
very competitive because gaming is a highly saturated market as
is like you know, the beauty industry as well. But
I mean a friend of mine used to work for
Ubisoft and their influences that they worked with, which were
obviously gaming experts, were making millions really but it didn't
(17:55):
wasn't sustainable.
Speaker 1 (17:57):
Could I go on Twitch and just watch and people
will watch me play solitaire? I'm assuming that's actually a
market for that, Oh yeah, because I mean, and I'm
not very good at solitaire as well, so they'll just
be watching me. Oh he got out again, Oh he's stuck.
Just a miserable, pitiful experience.
Speaker 2 (18:18):
I would pay you to watch you try and design
a camp a template.
Speaker 1 (18:22):
Hey, that's not a bad idea, je we come up
with arsle'spe Just how terrible can I make it look?
Does like pink and red go together?
Speaker 2 (18:32):
Depends what who you're using. I guess on the intensity
of the saturation.
Speaker 1 (18:37):
What the hell are you talking about?
Speaker 2 (18:40):
That does mean you're colorbine. I shouldn't actually judge you
or bag you out?
Speaker 1 (18:45):
You saturation? This is a foreign language to meet, can it?
It feels like now you're just picking on me.
Speaker 2 (18:51):
Maybe you need to buy a course, an online course.
Speaker 1 (18:54):
Okay, so now you're actually just getting me to spend
money on an online course in order to then as
stream myself doing Canva templates. This is getting very very convoluted.
Let's move on to number number nine. We are up
to online surveys. This is one that you've mentioned before,
and I gave it a go, and I'll provide my
feedback in a moment.
Speaker 2 (19:15):
Well, I'll be interested to hear your feedback. But so
online surveys, data entry and market research we should add
in there. So platforms like swag bugs in box dollars,
and then obviously this online paid market research studies where
you can do it on zoom or sometimes you have
you know, some of the mortuary in person, but more
and more of them are done online. And then you've
got data entry, so spreadsheets, transcribing, categorizing data, so low effort,
(19:42):
you know, you don't really need to have much skill
setter than how to turn a computer on, really, and
it can be low income.
Speaker 1 (19:50):
That was my fact. That's what I was going to
say that when I went and actually had to play
around with some of these surveys, like I'm going to
sign up for this, and I started getting all of
these surveys sent through to me, and it said you'll
receive a dollar fifty for doing this survey and it
will take about fifteen minutes. And I'm like, that's valuing
my time at six dollars an hour. I just I I.
Speaker 2 (20:16):
Am not a big survey person. I've done a couple
in the past, Like I'm on askable and they'll send
me through a text message every now and again saying,
you know, you're a business owner. Do you have life insurance?
Speaker 1 (20:26):
You know?
Speaker 2 (20:26):
Can you hear this link and you apply to it
for it and if it pays, it normally pays anywhere
between ten dollars to three hundred dollars, So you know,
arsticables are a good one to use. And that's that
is a lot of survey based but I would probably
more lean towards applying for market research because it's a
lot more fun, it's much better paid, and it's actually
(20:48):
really interesting as well.
Speaker 1 (20:49):
Okay, and you mentioned data entry as well, kind of
performing data related tasks, which is we kind of group
those in together, right, last one, number ten, which I
think is really cool, right, testing websites. Have you seen this?
Speaker 2 (21:07):
I have, Yes, I've actually done it before as well.
Really yeah, only once or twice that you haven't had
a cracker pretty much. No, except only fans.
Speaker 1 (21:20):
That you felt the need to clarify that you.
Speaker 2 (21:23):
Feel uncomfortable and awkward.
Speaker 1 (21:25):
I've never felt awkward in this. There would be if
you went back across kind of the one hundred and
thirty something episodes that we've done, I reckon, there would
be countless moments where suddenly, just like I've gone a
bright crimsy color because of something.
Speaker 2 (21:40):
That you said, like the moment where you spoke about
a dressing gown and sleeping into a dressing gown, and
the tie. Yes, it's called the knob or get in
the way.
Speaker 1 (21:51):
Yes, I'd forgotten about that. It's happening again.
Speaker 2 (21:54):
I called Adam Lang big Daddy on another episode. So
I've had my equally embarrassing.
Speaker 1 (22:00):
That's our fear and grave colleague. Yes, so testing websites,
so you go on to there are platforms.
Speaker 2 (22:09):
User testing or try my UI. Even the market research
companies will actually offer this as well.
Speaker 1 (22:14):
Okay, And so essentially you are providing feedback on how
the website works. Just you don't need any special skills,
just being yourself right.
Speaker 2 (22:22):
Yes, you know, well you need to be online.
Speaker 1 (22:24):
We call the internet access hard to test a website
without without being online? Right, that will help.
Speaker 2 (22:32):
But you know they'll record you, or they'll watch your mouse,
or that you'll wear special goggles so they can see
where your eyes are on the screen.
Speaker 1 (22:39):
That sounds that sounds high risk.
Speaker 2 (22:42):
Well what do you always go off the screen?
Speaker 1 (22:44):
And okay, But also you are providing kind of feedback
on how easy the site was.
Speaker 2 (22:52):
To use, and how intuitive it is and.
Speaker 1 (22:55):
How easy it was to navigate to where you needed
it to be and did it tell you what you needed?
So a lot of that you are just being you.
And everyone uses the Internet for various things. So everyone
kind of knows what they need to get out of
a website, and if you are just kind of providing
that information, you may as well get paid for it, right.
Speaker 2 (23:11):
Exactly, And they can pay between you know, ten to
thirty dollars a test, and you know they can go
from anywhere but five minutes to twenty minutes, so you
can tap it and tap out if the time works
for you to earn some extra money, and you can
do it great, but it may not necessarily be a
consistent flow of workers for a site hustle.
Speaker 1 (23:28):
Okay, all right, good list. Huh.
Speaker 2 (23:30):
I'm quite proud this list.
Speaker 1 (23:31):
It's a good list, all right. So that was Etsy Shop,
online marketplaces, online courses, niche content, virtual assistance, graphic design,
web development, gaming, online surveys, and data entry and testing websites.
That's ten ones that we haven't really talked about much before.
(23:52):
I think we can be pretty proud of ourselves today.
Kind of anybody who wants more information from you, where
do they find you? You've already clarified where we can't
find you? Where can we.
Speaker 2 (24:02):
Find I should say, there's nothing wrong with onny fans.
I just don't think I would be that popular on
any fans. Just to make it clear, there's night no
judgment here.
Speaker 1 (24:11):
Where do we find you.
Speaker 2 (24:14):
On Instagram with sugar Malo DV which actually sounds like
it does belong on only fans?
Speaker 1 (24:19):
It actually does, doesn't it.
Speaker 2 (24:20):
Do you ever get that feedback all the time, like
about how inappropriate my business name is? But I'm like,
it's a play on on the whole term of sugardaddy.
You don't need a sugardaddy because you are financially independent,
standing on your own two feet.
Speaker 1 (24:34):
Well, you can hear me every day with Sean Aylmer
on Fear and Greed, daily business news for people who
make their own decisions. Thank you very much for listening
to how do they Afford That? Remember to hit follow
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(24:54):
them a link to this episode and spread the word
about how do they for that? Thank you for your company.
Join us again next week I start Oh Yeah,
Welcome to How Do They Afford That, The podcast that
peaks into the financial lives of everyday Australians. I'm Michael Thompson.
I'm an author and co host of the podcast Fear
and Greed business news. As always, I'm with Canna Campbell,
financial planner and founder of sugar Moment TV, the financial
literacy platform on YouTube and podcasts, TikTok and Instagram all
over the place. Hello, Canna, good morning. I'm looking forward
(00:25):
to today's episode because.
Speaker 2 (00:28):
We Hustling Cash.
Speaker 1 (00:29):
Yeah, Hustling Cash, and it's a part two and I've
always always enjoy a good sequel. In our last episode,
we were talking about making money online, as you referenced,
and we talked about a bunch of online jobs that
can actually be pretty hard to make money out of. Right,
We're talking about kind of the number of people in
the engagement, the relationship that you need to build with
(00:51):
people if you want to be an influencer, and kind
of how many downloads you need to make money from
podcasts and things like this. We're going to turn that around.
We're going to come up with a whole bunch of ideas,
a whole stack of online opportunities to make money. Think
of this as a list of digital side hustles, right,
(01:12):
can we make a living online? Maybe we need to
combine a few of these things into this list. Shall
we get started? Why not? I'm not even going to
set us a target. I'm not even going to say
we'll do ten.
Speaker 2 (01:24):
I like the name, I like the number ten. I'm
a bit of OCD, so ten's good for me.
Speaker 1 (01:27):
Okay, maybe we will set a target. Then I was
just going to say, we'll just keep going until we
run out of ideas. But let's set Let's set ten
and there might be a couple of bonuses along the way.
Etsy is huge, are you are you? Do you make
anything on Etsy? So it's like a marketplace, right yes?
Speaker 2 (01:44):
So Etsy is traditionally like handmade items like jewelry, candles,
like harm decoorps. So I have purchased many time off Ittsy.
In fact, the pillows on my children's come from Etsy,
from a store from Poland.
Speaker 1 (01:57):
Really. Yeah, it's it's a global marketplace. Like if you
were to have a an Etsy shop and you were
making something, whether it is kind of pillowcases or candles
or something, you might be selling to somewhere anywhere in
the world. We're in the world. Okay. So it's essentially
like the equivalent of like your Saturday morning market at
(02:19):
your like your kid's school or something like that, where
everyone kind of brings and sets up their stalls, except
for the fact that this is a global.
Speaker 2 (02:26):
Marketplace and now it's not just you know, homemade items
if there's digital downloads as well, so you know, planners
and organizers and templates and artwork and stock photos. And
there's also like vintage goods on itsy so you know,
thrifted fashion collectibles, you know, rare books.
Speaker 1 (02:43):
Hmen.
Speaker 2 (02:43):
Really, yeah, it's amazing. I mean it'sy is sort of
getting that way with Amazon, but more unique, quirki things
that you're you know you're going to find once offs.
Speaker 1 (02:54):
Okay. So it feels like it's it's perhaps got a
closer to eBay in some ways.
Speaker 2 (03:01):
That but it's got more of a store feel, okay,
whereas Eba you're kind of with an individual that might
have a store, but you can you know, it's very
intuitive of the way they used. You click on one
item that will show you a whole range of other
items that that person makes, or a whole range of
other items made that are similar made by other stores. Okay,
all right, it's a different experience.
Speaker 1 (03:21):
But you need some skills right for this, don't you?
You need to actually be able to make something.
Speaker 2 (03:26):
You can't just like moves your whole pile of like
wax and put a string in it and call it
a candle.
Speaker 1 (03:31):
No, you may be able to, Okay, So that's number one.
Number two we mentioned eBay, like online marketplaces like eBay,
like gum Tree, like Facebook marketplace, all of these ones.
Speaker 2 (03:44):
Deep Hoop as well Country Yeah, d one Deepop.
Speaker 1 (03:47):
What's that?
Speaker 2 (03:50):
Clearly you're not buying preloved clothing, so deep deep Hop
is where you can buy Sha. I bought a dress
the other day of Deepop. I wanted this dress. It's
sold out of my size. Really annoyed, upset, called all
the stores they call other stores for me anyway, couldn't
get it. Jumped onto deep Op. I found it within
like thirty seconds in my size, and the person had
worn it twice and in fact, when it came it
(04:12):
had the tag still attached. And I paid about thirty
percent of the original retail price.
Speaker 1 (04:17):
Really yeah, but this person had worn it with the
tags still on.
Speaker 2 (04:20):
I know, she said, I'd want it twice. So she's
worn it with the tags on?
Speaker 1 (04:26):
And did she have like you know how they put
on a B ANDWT brand new with tags.
Speaker 2 (04:32):
No, she said she'd worn it, so she couldn't say it.
She could have actually lied and said she had never
worn it and sold it to me. Then I thought
it was brand new because it had the tags on.
Speaker 1 (04:40):
Yeah, I'm very skeptical about.
Speaker 2 (04:42):
It, misleading, very I was to go if that person
was to lie, but so put on them for being honest.
But they could have actually technically probably gotten away with
it because it literally arrived feeling brand new.
Speaker 1 (04:51):
I would have asked to see the receipt to make
sure that that said. It all sounds mighty suspend anyway,
that's not like you to be skeptical, I am. I'm
very very skeptical, and I'm very cynical. Okay, So Deep
Pop Deepop, Superba, Facebook, Marcroplace, gum Tree selling stuff, selling.
Speaker 2 (05:08):
Stuff, you know, And I interviewed someone for sher Mum's
fireplay out of My Thin Air series where she found
items on the side of the road and would sell
them on gum Tree. She made when she started counting
because she said this is actually making quite a bit
of money. She made over twenty two thousand dollars.
Speaker 1 (05:24):
Wow.
Speaker 2 (05:24):
So you particularly you've got something you've bought and it's
now become quite rare. You can often sell things quickly
but also at a profit. It's a great way obviously decluttering.
So you know, they're on my marketplaces like as I said, eBay,
gum Tree, Deepop, and you can use you know, drop
shipping as well, where you don't actually hold the infantry,
(05:46):
so you're selling something that you've designed and created, but
it's manufactured and goes from the manufacturers straight to the buyer.
Speaker 1 (05:53):
Okay, which actually takes out a lot of logistics figures. Yeah, yeah, okay,
I like that one. Okay. So that's number two. Number
three online courses. What explain this one?
Speaker 2 (06:06):
This is huge and a lot of influencers make a
lot of money, particularly in America. So this is where
you're teaching a skill you know, photography, fashion, coding, social media,
personal development, even finance through an online program and you
sell the course and it kind of like there's a
(06:26):
lot of work upfront to create the actual course, the program,
the filming of the content or the writing of the content,
and putting it all together and you know, getting it ready,
so it's a proper finished product. But once it's live
and you've got a good marketing plan in place, it
can be quite a passive income stream. But there is
(06:46):
obviously a lot of effort required upfront, and you do
need to have some sort of marketing plan in place.
But you know, there's a Kajabi teachable think think ific Demi.
I think it's called.
Speaker 1 (07:03):
Those ones. I've only ever seen it written, I've never
actually said it out loud, and now that you, let's
call it you Demi. Okay, I'm sure someone will let
us know if we got it wrong.
Speaker 2 (07:13):
I do not around sounding like an idiot pronouncing it incorrect.
Speaker 1 (07:16):
You know there's going to be a video about this
now and appearing on your social media because I'm sure
that you just said it. Yeah, that's great to you?
To me? You to me? Is that what I said originally?
I don't know anymore. Memory you have successfully confused me.
That is quite something.
Speaker 2 (07:35):
Getting a great free shouto.
Speaker 1 (07:37):
Golly okay, so creating and selling courses on these platforms,
but again you need to have it. You need to
have an area of expertise, but a lot of people
have an area of expertise on something right, and the
beauty of this is it can be niche right and
probably actually the more niche it is the better because
it means you won't be competing with so many other
(07:57):
people setting up courses exactly. Okay, so that was number
number three. Number four is why are you laughing at
me or read? Is it because I get uncomfortable? Is
it because I go read? When we talk about.
Speaker 2 (08:10):
Normally the more inappropriate one've got your wind in the gut.
But I think this is an important one to be
spoken about it. I think, well, it has great sentence
and awareness, and it is a booming.
Speaker 1 (08:21):
You know, industry industry. So we're talking niche content here,
quite niche content, say, for instance, only fans, which has
really become a lot more popular in recent years.
Speaker 2 (08:34):
Yes, so there's only fans. There's Patron, and there's substack.
So Patron and substack are not for obviously adult entertainment.
So basically the way Patron and substack work is there
for writers and artists and educators. So again it allows
you to create special, unique content that is separate from
(08:58):
your free, normal social media content on Instagram or YouTube
or TikTok where people pay a feed like a monthly fee,
or they pay a fee to access a certain level
or amount of content that you create, and it's another
way of monetizing your content that you'd normally be just
giving away. And you know, it has been incredibly popular
with a lot of YouTubers where they have additional value
(09:21):
they can add to people, but they actually want some
sort of financial compensation for the value that they're giving.
Speaker 1 (09:26):
Okay, And I feel like this is actually one point
where we need to say that a lot of these platforms,
right you're actually seeing people be really successful and making
quite a lot of money, and they're actually been really
quite savvy from a business perspective because you see a
lot of there are a lot of news websites that
love stories about people succeeding, particularly and say the adult
(09:49):
content and talking about these phenomenal sums of money that
they're making. But these people are also then talking and
I'm putting away X amount for tax and kind of
doing all this and they're like, it's actually really smart.
Speaker 2 (10:01):
And that's the thing. You know, we touched on this
on the previous episode. Whilst this is you know, it
could be a site hustle. It's still taxable. Yeah, and
you still have you know, things that you can claim
is a deduction. You might have to do superinnuation. You
need to have the right legal setup as well, so.
Speaker 1 (10:14):
You're still treating it as income.
Speaker 2 (10:16):
Yeah, it's not a bit of extra spending money cash
on the.
Speaker 1 (10:19):
Side, secret money. Okay, that was number four, Number five
Virtual assistant. I think this is really interesting.
Speaker 2 (10:26):
I know quite a few virtual assistants and it's particularly
I see the common trend is moms with young children,
you know, kids still at school because it's very flexible
hours and they can sort of pick and choose what
clients they want to work with and what jobs you know,
they're willing to take on. What do they do quite incredible,
So anything from you know just basic everyday admin and
(10:48):
the life admin, you know, buying, organizing Christmas presents or
birthday presents or wedding anniversaries, booking trips, organizing your calendar,
doing social media, even some editing work as well, proof reading, copywriting,
customer service like it really is quite incredible, and you know,
working for particularly like entrepreneurs who are quite time poor,
(11:10):
who just don't necessarily need a full time assistant, but
they need someone who they can just get them to
clear their box or to make sure all the bills
are set up, or to make sure they haven't forgot
any important family events, or to help proof read things
before they're sent off. So it's actually, you know, you
can charge by the hour, or you can have like
a set fee for a certain amount of work, you know.
Speaker 1 (11:31):
Per month.
Speaker 2 (11:32):
But it allows a lot of flexibility. And you know
a lot of people do this remotely from all over the.
Speaker 1 (11:39):
World, so they're doing it from home, doing it alongside
and it is all online.
Speaker 2 (11:44):
Yeah, it's a low barrier to entry. Yes, you have
to be someone who's you know, really great with their
organizational skills because ultimately you're helping someone else with their
lack of organizational skills and obviously knowing how to network,
how to build a business, you know, how many clients
you can have. The only downside i'd see and correct
me if I'm wrong, is it's not that scalable. At
(12:06):
the end of the day, you can only handle a
certain amount of work. There are any certain amount of
hours in the day. So with like a you know,
a patron account, you know, more members you've got, there's
no more extra work involved where it substack.
Speaker 1 (12:18):
Yeah, same thing kind of. The more you grow, the
more kind of and you're still putting in the same
amount of work. You're just amplifying your income. But this
could well suit someone. This could well suit someone who
has a few hours and has some skills, or just
has some time and is able to actually provide that
support to somebody else.
Speaker 2 (12:35):
In fact, I know a VA who does sets up
people's online courses. She's an expert in kajabi and webinar
and all those sort of back end programs that all
need to be synced up together, and she specializes in that.
Speaker 1 (12:48):
So two, I used a virtual assistant. Recently. I was
setting up a newsletter through my to talk about books
and writing and things. And as part of that, I
needed some branding done within my social media and it
was to match kind of my writing and my website
(13:09):
and all of these things. And so there is there
was a wonderful person who was a writer herself, and
on the side she does virtual assistant and sets up
all of these things, and she set up my newsletter.
She provided me all these templates for social media, which
is Michael Thompson, author on Instagram, did the desperation come
(13:30):
out just then? Please?
Speaker 2 (13:32):
You shouldn't be despert, should be proud. I really enjoy
when a story flashes up on my Instagram.
Speaker 1 (13:37):
Very discerning in what I share. But it was really
really good, Like it was just like identifying something that
I can't do. I just don't have those visual skills.
And she did and she did it and did it
all remotely, did it all from home, provided me with
everything done, and it was quick and it was affordable,
and it was just it was great.
Speaker 2 (13:57):
Tom muses Avia as well. Really yep, she's lovely and
she when he hears a lot of his stuff, he'll do
his reports just into a voice memo and just emails
it to her so he doesn't even need to write
it down. And he was swearing because Tom's not has
got a bit of a gut of mouth. She didn't
realize and she put the swearing in the report for clients.
Speaker 1 (14:18):
Oh really, oh dear, okay, so it can got to
have a little.
Speaker 2 (14:23):
It was perfectly fine.
Speaker 1 (14:24):
We all have it. Really we had a really good laugh.
All right. So that's the first five. We're going for
ten here. Let's take a quick break and come back
with the next five ways to make a living online.
Can we are talking about making money online basically a
whole bunch of digital side hustles. Number six graphic design.
(14:49):
We kind of alluded to this one previously. You can
do all of this online remotely.
Speaker 2 (14:55):
Yeah, so there's ninety nine designs. There's a five Canva templates,
so you know, you can design logos and social media
graphics like you know your colleague did for you, website banners,
and you can also sell pre made templates on Etsy
and the creative marketplace, so you know, it can be
a really creative process that you can do, you know,
(15:16):
after hours, like which is a perfect site hustle from home.
And you can also make it into a passive income
if you're able to sort of sell a package or
a course on how to do this for yourself, so
you're not just giving people the material as you're teaching
them how to do it themselves.
Speaker 1 (15:31):
I like that again, it plays to your strengths and
helps people who don't have those strengths, because graphic design
is just something that even though Canva makes things so
easy now, I still have the unique ability to make
even a Canva template look terrible.
Speaker 2 (15:51):
I don't know, how why am I not surprised to
hear that?
Speaker 1 (15:55):
Oh there we go a little bit, a little bit
of snark sneaking back into what was overwhelmingly a positive
podcast s up until that point. Okay, so graphic design
is number six. Number seven is one that really does
require a bit of knowledge, right, Web development.
Speaker 2 (16:11):
Yeah, seo. So obviously building websites to search engine optimization,
managing blogs, managing forums. So obviously this can be in
a really high demand because if you've got to have
an online presence these days, So yes, you are going
to need some technical skills coding and website design, and
obviously a bit of a creative mind as well, and
(16:33):
understand what a website needs to be an intuite, easy
to use one. But this can actually feel good at
it can be highly profitable, and I know for myself,
I've spent tens of thousands of dollars on my own website.
You know, if you find someone who's good, they're worth
their weight in gold and you'll pay for it.
Speaker 1 (16:51):
Yeah, gladly. Right. Number eight gaming are you are you
a gamer? Oh?
Speaker 2 (17:00):
I'm so bad at gaming. I watched Rocko game and
I try and get him to do it with him,
and it's so confusing. I'm like, I don't understand, and
then I ask annoying questions like no. But so there's
like Twitch YouTube gaming esports, so like streaming live gameplay
I thing it's called, and you can earn from donations
(17:20):
ad revenue, and of course, like if you get a
sponsored sponsored job where you get like.
Speaker 1 (17:24):
A set fee, and again that requires you to have
a bit of a following though, right and another one
have to be pretty good at it, and you could.
Speaker 2 (17:31):
Do affiliate linking as well with that. So obviously it's
very competitive because gaming is a highly saturated market as
is like you know, the beauty industry as well. But
I mean a friend of mine used to work for
Ubisoft and their influences that they worked with, which were
obviously gaming experts, were making millions really but it didn't
(17:55):
wasn't sustainable.
Speaker 1 (17:57):
Could I go on Twitch and just watch and people
will watch me play solitaire? I'm assuming that's actually a
market for that, Oh yeah, because I mean, and I'm
not very good at solitaire as well, so they'll just
be watching me. Oh he got out again, Oh he's stuck.
Just a miserable, pitiful experience.
Speaker 2 (18:18):
I would pay you to watch you try and design
a camp a template.
Speaker 1 (18:22):
Hey, that's not a bad idea, je we come up
with arsle'spe Just how terrible can I make it look?
Does like pink and red go together?
Speaker 2 (18:32):
Depends what who you're using. I guess on the intensity
of the saturation.
Speaker 1 (18:37):
What the hell are you talking about?
Speaker 2 (18:40):
That does mean you're colorbine. I shouldn't actually judge you
or bag you out?
Speaker 1 (18:45):
You saturation? This is a foreign language to meet, can it?
It feels like now you're just picking on me.
Speaker 2 (18:51):
Maybe you need to buy a course, an online course.
Speaker 1 (18:54):
Okay, so now you're actually just getting me to spend
money on an online course in order to then as
stream myself doing Canva templates. This is getting very very convoluted.
Let's move on to number number nine. We are up
to online surveys. This is one that you've mentioned before,
and I gave it a go, and I'll provide my
feedback in a moment.
Speaker 2 (19:15):
Well, I'll be interested to hear your feedback. But so
online surveys, data entry and market research we should add
in there. So platforms like swag bugs in box dollars,
and then obviously this online paid market research studies where
you can do it on zoom or sometimes you have
you know, some of the mortuary in person, but more
and more of them are done online. And then you've
got data entry, so spreadsheets, transcribing, categorizing data, so low effort,
(19:42):
you know, you don't really need to have much skill
setter than how to turn a computer on, really, and
it can be low income.
Speaker 1 (19:50):
That was my fact. That's what I was going to
say that when I went and actually had to play
around with some of these surveys, like I'm going to
sign up for this, and I started getting all of
these surveys sent through to me, and it said you'll
receive a dollar fifty for doing this survey and it
will take about fifteen minutes. And I'm like, that's valuing
my time at six dollars an hour. I just I I.
Speaker 2 (20:16):
Am not a big survey person. I've done a couple
in the past, Like I'm on askable and they'll send
me through a text message every now and again saying,
you know, you're a business owner. Do you have life insurance?
Speaker 1 (20:26):
You know?
Speaker 2 (20:26):
Can you hear this link and you apply to it
for it and if it pays, it normally pays anywhere
between ten dollars to three hundred dollars, So you know,
arsticables are a good one to use. And that's that
is a lot of survey based but I would probably
more lean towards applying for market research because it's a
lot more fun, it's much better paid, and it's actually
(20:48):
really interesting as well.
Speaker 1 (20:49):
Okay, and you mentioned data entry as well, kind of
performing data related tasks, which is we kind of group
those in together, right, last one, number ten, which I
think is really cool, right, testing websites. Have you seen this?
Speaker 2 (21:07):
I have, Yes, I've actually done it before as well.
Really yeah, only once or twice that you haven't had
a cracker pretty much. No, except only fans.
Speaker 1 (21:20):
That you felt the need to clarify that you.
Speaker 2 (21:23):
Feel uncomfortable and awkward.
Speaker 1 (21:25):
I've never felt awkward in this. There would be if
you went back across kind of the one hundred and
thirty something episodes that we've done, I reckon, there would
be countless moments where suddenly, just like I've gone a
bright crimsy color because of something.
Speaker 2 (21:40):
That you said, like the moment where you spoke about
a dressing gown and sleeping into a dressing gown, and
the tie. Yes, it's called the knob or get in
the way.
Speaker 1 (21:51):
Yes, I'd forgotten about that. It's happening again.
Speaker 2 (21:54):
I called Adam Lang big Daddy on another episode. So
I've had my equally embarrassing.
Speaker 1 (22:00):
That's our fear and grave colleague. Yes, so testing websites,
so you go on to there are platforms.
Speaker 2 (22:09):
User testing or try my UI. Even the market research
companies will actually offer this as well.
Speaker 1 (22:14):
Okay, And so essentially you are providing feedback on how
the website works. Just you don't need any special skills,
just being yourself right.
Speaker 2 (22:22):
Yes, you know, well you need to be online.
Speaker 1 (22:24):
We call the internet access hard to test a website
without without being online? Right, that will help.
Speaker 2 (22:32):
But you know they'll record you, or they'll watch your mouse,
or that you'll wear special goggles so they can see
where your eyes are on the screen.
Speaker 1 (22:39):
That sounds that sounds high risk.
Speaker 2 (22:42):
Well what do you always go off the screen?
Speaker 1 (22:44):
And okay, But also you are providing kind of feedback
on how easy the site was.
Speaker 2 (22:52):
To use, and how intuitive it is and.
Speaker 1 (22:55):
How easy it was to navigate to where you needed
it to be and did it tell you what you needed?
So a lot of that you are just being you.
And everyone uses the Internet for various things. So everyone
kind of knows what they need to get out of
a website, and if you are just kind of providing
that information, you may as well get paid for it, right.
Speaker 2 (23:11):
Exactly, And they can pay between you know, ten to
thirty dollars a test, and you know they can go
from anywhere but five minutes to twenty minutes, so you
can tap it and tap out if the time works
for you to earn some extra money, and you can
do it great, but it may not necessarily be a
consistent flow of workers for a site hustle.
Speaker 1 (23:28):
Okay, all right, good list. Huh.
Speaker 2 (23:30):
I'm quite proud this list.
Speaker 1 (23:31):
It's a good list, all right. So that was Etsy Shop,
online marketplaces, online courses, niche content, virtual assistance, graphic design,
web development, gaming, online surveys, and data entry and testing websites.
That's ten ones that we haven't really talked about much before.
(23:52):
I think we can be pretty proud of ourselves today.
Kind of anybody who wants more information from you, where
do they find you? You've already clarified where we can't
find you? Where can we.
Speaker 2 (24:02):
Find I should say, there's nothing wrong with onny fans.
I just don't think I would be that popular on
any fans. Just to make it clear, there's night no
judgment here.
Speaker 1 (24:11):
Where do we find you.
Speaker 2 (24:14):
On Instagram with sugar Malo DV which actually sounds like
it does belong on only fans?
Speaker 1 (24:19):
It actually does, doesn't it.
Speaker 2 (24:20):
Do you ever get that feedback all the time, like
about how inappropriate my business name is? But I'm like,
it's a play on on the whole term of sugardaddy.
You don't need a sugardaddy because you are financially independent,
standing on your own two feet.
Speaker 1 (24:34):
Well, you can hear me every day with Sean Aylmer
on Fear and Greed, daily business news for people who
make their own decisions. Thank you very much for listening
to how do they Afford That? Remember to hit follow
on the podcast. And the best thing you can do
is tell somebody else about this podcast. If you want
to share the love about all of the many ideas
that we've had for ways to make money online, send
(24:54):
them a link to this episode and spread the word
about how do they for that? Thank you for your company.
Join us again next week I start Oh Yeah,
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Ding dong! Join your culture consultants, Matt Rogers and Bowen Yang, on an unforgettable journey into the beating heart of CULTURE. Alongside sizzling special guests, they GET INTO the hottest pop-culture moments of the day and the formative cultural experiences that turned them into Culturistas. Produced by the Big Money Players Network and iHeartRadio.