How To Increase Income: 17 Creative Ways To Make Money

Key takeaways:

• Increasing income starts with strategy: prioritize negotiation your salary, upskilling, and time-efficient side gigs
• Use technology to automate savings, track spending, and identify areas to reinvest your profits
• Build multiple income streams for flexibility — combine active work (like freelancing) with passive opportunities (like investments)
• Avoid risky shortcuts or "get rich quick" schemes; focus on sustainable, skill-driven growth
• Platforms like Upwork make it easy to find freelance projects that fit your schedule, skills, and financial goals

Today, relying on a single paycheck often isn't enough. 

Many professionals are turning to creative ways to increase income — whether that means freelancing after work, launching small side projects, or finding new ways to invest. The rise of remote work, freelance marketplaces, and digital tools has made it easier than ever to monetize your skills, manage multiple income streams, and take control of your financial future. 

Whether your goal is to pay off debt, save for a big purchase, or simply gain breathing room in your budget, there's no shortage of opportunities to make it happen.

In this guide, we'll explore 17 creative ways to increase income, from negotiating a raise and starting a side business to generating passive income online. You'll also find examples for every idea so you can see what works, how to get started earning extra cash, and where to focus your energy for the biggest return.

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17 ways to increase your income

According to Bankrate's 2025 survey, more than one in three U.S. adults now earns extra money outside their main job, and many say it's essential for keeping up with the cost of living.

If you're looking for ways to make extra money, we provide some great tips and side gigs.

1. Start a business or side gig

Side gigs can help you earn extra money while exploring skills that don't fit into your nine-to-five. They also build experience and connections you can later leverage for better-paying opportunities.

Ideas for side gigs:

• Event planning, pet sitting, or photography for local clients
• Delivery or ride-share driving with flexible hours
• Selling services through gig sites like TaskRabbit or Nextdoor
• Tutoring or teaching a skill online
• Selling hand-crafted goods and trinkets
• Launching a drop-shipping business
• Selling customized digital goods

How to make it work:

Freelancing through platforms like Upwork can turn your professional skills into consistent income streams. Whether you're a graphic designer, translator, or social media manager, there's demand for nearly every service.

Also, if you have a marketable idea or passion, launching a small business can turn creativity into income. Many successful entrepreneurs start as side hustlers before going full-time. For example, a full-time teacher might begin tutoring online three evenings a week, earning an additional $600 per month — money she can use to pay off student loans faster.

2. Negotiate a raise

Asking for a raise is often the fastest and most overlooked way to increase income. For example, a marketing coordinator could increase lead conversions by 30% and use that data to negotiate a 12% salary bump during her annual review. By pairing evidence with timing, she'd position herself for long-term income growth.

Most employees wait for an annual review instead of proactively starting the conversation, missing a valuable opportunity.

Here are some tips for negotiating a raise:

• Research salary benchmarks. Use tools like Glassdoor, Payscale, or Salary.com to understand your market value.
• Document your impact. Highlight measurable results — cost savings, sales growth, client retention, or successful project launches.
• Time it right. Discuss your value and relative pay during performance reviews, at the end of a successful project, or when budgets are being set.
• Practice your pitch. Keep it confident and factual, not emotional.
• Learn in-demand skills. Mastering in-demand skills makes you invaluable to employers and more likely to secure higher compensation. 

3. Search for a higher-paying job

If a raise isn't possible internally, the market might pay you what your current employer can't. For instance, a data analyst might complete a Python specialization on Coursera, add it to her resume, and land an analytics role that pays 20% more than her current job.

How to approach it:

• Take online courses through platforms like Coursera or Udemy to boost your credentials
• Update your resume and LinkedIn profile to reflect new skills or certifications
• Target companies with transparent pay bands or growth paths
• Network with peers or recruiters in your field before applying

4. Cut unnecessary expenses

Reducing expenses is like giving yourself an instant raise. Small, consistent cuts compound into meaningful savings. For example, by canceling unused streaming services and switching to a cheaper phone plan, a household can save over $1,000 per year — money that can be redirected into an emergency fund, holiday spending account, or anything else.

Practical steps:

• Audit your subscriptions using apps like Rocket Money or Credit Karma
• Replace expensive habits with cost-effective ones — for example, brewing coffee at home, or cooking meals instead of dining out
• Reevaluate transportation: carpool, use public transit, or bike to work
• Review your insurance and cell phone plans once a year for better rates

5. Automate your savings

Automation helps you "pay yourself first" before the money disappears. For example, let's say someone earning $4,000 a month automatically diverts 5% ($200) into savings. After a year, they've saved $2,400 without having to think about it.

How to do it:

• Set up automatic transfers from checking to savings right after payday
• Contribute regularly to a 401(k) or IRA to benefit from compound growth and tax advantages
• Use "round-up" apps that save spare change from each purchase

6. Sell used or unwanted items

Turning clutter into cash is one of the simplest ways to boost your income quickly. For example, a college student can sell old textbooks and clothes online, earning $400 in two weeks — enough to reinvest in new hobbies, or to cover utilities for the month.

Where to sell:

• eBay for electronics, books, and collectibles
• Poshmark or Depop for clothes and accessories
• Facebook Marketplace or Craigslist for furniture or local sales

Pro tip: Take clear photos, include measurements, and write honest descriptions to build trust and attract buyers. 

7. Create passive income

Passive income allows you to earn money even when you're not actively working. It takes effort up front, but it can provide long-term financial stability. For example, a digital marketer can create an online SEO course and sell it on Udemy. After initial setup, the course can generate $300/month or more in passive income through recurring student enrollments.

Popular passive income ideas:

• Rent out property or unused space (via Airbnb or long-term leases)
• Invest in dividend-paying stocks or real estate investment trusts (REITs)
• Publish an ebook or online course that sells continuously
• License your photography, designs, or music online

8. Rent your vacation home

Unused properties can become powerful income generators. Listing your vacation home on rental platforms creates an ongoing revenue stream without requiring a full-time commitment. For example, a couple can list their lake cabin on Airbnb and earn $1,200 monthly during peak season, covering mortgage payments and generating passive income through repeat guests.

How to get started:

• Use platforms like Airbnb or Vrbo to reach travelers
• Invest in professional photography and strong descriptions
• Keep pricing competitive by researching local rates
• Offer short-term or seasonal rentals to maximize flexibility

9. Rent out equipment

If you own expensive or rarely used gear, renting it out is an easy way to generate additional income. For example, a hobby photographer can rent out his DSLR camera on a peer-to-peer platform and earn over $200 in one weekend without lifting a finger beyond pick-up and drop-off coordination. People are often willing to pay for temporary access to tools, tech, or creative equipment.

Items you can rent:

• Cameras, lenses, drones, or lighting gear
• Power tools or construction equipment
• Event supplies like projectors or sound systems

10. Participate in clinical trials

If you meet eligibility criteria and prioritize safety, participating in medical research can be a legitimate way to earn extra money while contributing to science. For example, a healthy volunteer can participate in a three-day sleep study for a local research institute and earn $900 while helping researchers gather essential data.

How to approach it responsibly:

• Register only with approved, credible organizations
• Understand the potential risks and required time commitment
• Consult your doctor before enrolling

11. Promote products through affiliate marketing

Affiliate marketing lets you earn a commission by recommending products or services online. You promote a brand through links, and when people buy via your referral, you get paid. For example, a content creator can review productivity tools on YouTube that add affiliate links under each video. Those links can generate $400–$700 in passive income every month.

How to start:

• Choose a niche you're knowledgeable about
• Partner with reputable affiliate networks like Amazon Associates or Awin
• Create valuable content — reviews, blogs, or videos — to share recommendations
• Always disclose your affiliate relationship transparently

12. Invest in stocks

Building an investment portfolio can increase your long-term earning power. While markets fluctuate, consistent investing and diversification reduce risk over time. For example, let's say a beginner investor contributed $200 per month into a low-cost exchange-traded fund (ETF). After five years, their disciplined investing strategy could have grown to over $14,000 with gains reinvested.

Steps to take:

• Start with index or mutual funds to diversify easily
• Use automated investing apps to set recurring contributions
• Reinvest dividends to accelerate compound growth
• Avoid emotional decisions during market changes

13. Teach online classes

If you have knowledge others want to learn, teaching online can turn your expertise into recurring income. Platforms make it simple to create and sell courses worldwide.

For example, let's assume a small business accountant launches a "Bookkeeping Basics" course on Udemy. Within a year, the course might have over 2,000 students and generate $1,800 monthly.

Ways to get started:

• Identify a topic you know well (finance, art, tech, etc.)
• Record short, structured lessons with clear takeaways
• Host them on Skillshare, Teachable, or Udemy
• Offer free previews to attract students

14. Start a podcast about your passion

Podcasting offers creators a chance to connect with audiences — and earn money — through sponsorships, affiliate marketing, and listener donations. For instance, let's say two friends launch a podcast about startup culture. After building a steady listener base, they might secure sponsorships from SaaS companies, earning $1,200 a month.

How to grow and monetize:

• Pick a niche you love and can speak about confidently
• Post consistently to build trust and familiarity
• Partner with relevant brands for sponsorships
• Offer exclusive bonus content to Patreon supporters

15. Start a YouTube channel

YouTube is one of the most versatile platforms for earning income through ads, sponsorships, affiliate links, and product partnerships. Whether you teach, entertain, or review products, consistency is key to growth. For example, if a DIY enthusiast begins posting short renovation tutorials, they could gain 50,000 subscribers and unlock ad revenue and sponsorship offers from home improvement brands.

How to get started:

• Identify your niche — tutorials, lifestyle,  education, or nearly anything you're passionate about
• Post regularly with consistent branding and titles
• Engage viewers in comments and use analytics to guide your topics
• Explore monetization options once you hit YouTube's eligibility threshold

16. Create videos for product reviews

If you enjoy sharing opinions and trying new items, product review content is an easy way to earn. Honest and engaging reviews can attract followers and partnerships from brands eager for authentic promotion. For example, if a gamer reviews headsets and accessories on TikTok and YouTube, they could receive free gear and brand sponsorships, turning a hobby into a revenue stream.

How to succeed:

• Focus on a consistent niche (tech, beauty, home gadgets, etc.)
• Combine product demonstrations with pros and cons
• Include affiliate links to generate commissions from purchases
• Use high-quality visuals and sound for credibility

17. Test apps and websites

Companies pay testers to provide real feedback about usability and functionality. It's simple work that fits into small blocks of time — perfect for nights or weekends.

For example, let's say a college student tests mobile apps for developers, earning $10–$20 per 20-minute session. Over time, the extra income can help fund their textbooks and school expenses.

How to begin:

• Register on platforms like UserTesting, Trymata, or TestingTime
• Follow detailed instructions for each session
• Speak your thoughts clearly while using the app or website
• Get paid per completed test

Easy ways to make money offline

Digital work dominates headlines, but traditional side gigs can still add meaningful income. These ideas require little to no setup and let you earn within your community:

• Handyman services. If you're skilled with tools, offer clients home repairs, painting, or furniture assembly. Word of mouth can quickly expand your client list.
• Pet sitting or dog walking. Busy pet owners appreciate reliable caretakers. Regular clients can turn this into a steady income.
• House cleaning. Offer cleaning services for homes or small offices. Building trust and consistency often leads to long-term arrangements.
• Yard work or landscaping. Mow lawns, pull weeds, or plant gardens for neighbors. Seasonal work like leaf cleanup or snow shoveling also pays well.
• Selling crafts or handmade goods. Join local craft fairs, markets, and online platforms to showcase your products and connect directly with customers.
• Substitute teaching. If you have a degree, substitute teaching can provide flexible workdays with solid pay. It's ideal for retirees, parents re-entering the workforce, or anyone needing a stopgap while they look for a new job in their field.
• Focus groups. Join in-person focus groups to share opinions on products and services for compensation. Market research firms often pay hourly.
• Child care. Babysitting or daycare is always in demand. Consider joining local babysitting networks or using online directories to find clients.

Side hustles and money-making methods to avoid

Not every side gig or money-making opportunity is worth your time or trust. Some can lead to wasted effort or even financial and legal trouble. Here are a few red flags to avoid as you expand your income streams.

1. Pyramid schemes and questionable MLMs

Avoid businesses that rely more on recruiting others than selling real products or services. These models often collapse when recruitment slows, leaving participants with losses. 

Before making an investment (such as buying products to sell, or investing your time in meetings), you can review websites such as the BBB Scam Tracker, best practices from the Federal Trade Commission, and reports from trusted voices in social media (who aren't associated with the company you're researching).

2. Fake charities

Scammers often exploit emergencies to request donations for nonexistent charities. Verify an organization's legitimacy before giving money — check its registration, review its mission transparency, and avoid high-pressure appeals.

3. Cash-only jobs

While not always illegal, full-time jobs that pay "under the table" can bypass taxes and workplace protections. This leaves you vulnerable if a dispute arises or payments are withheld.

4. Online surveys that underpay

Many "paid survey" sites promise easy money but often pay pennies per hour or offer points that rarely translate to real value. Stick to reputable platforms if you want to try this route, and view it as supplemental pocket change, not a stable side hustle.

5. "Get rich quick" schemes

If an offer promises extraordinary income for minimal effort, it's almost certainly a scam. Beware of self-proclaimed "online business gurus" selling expensive courses after free webinars. Genuine income growth takes strategy, skill, and consistency.

6. Selling stolen or unverified goods

Always verify the legitimacy of items you resell. Missing documentation or prices that seem too good to be true are signs of stolen property, which can carry legal penalties even if sold unknowingly.

7. Misleading investment pitches

Be wary of vague investment opportunities that offer high returns with little risk. Legitimate investments come with clear disclosures, transparent management, and verifiable records. Always do your research before investing.

Make extra income with Upwork

Diversifying your income doesn't have to mean burning out — it just requires aligning your skills and passions with meaningful work. Upwork makes this easier by connecting professionals with legitimate, flexible opportunities that match their interests and expertise.

Whether you're exploring freelance writing, graphic design, project management, virtual assistance, or any of thousands of other jobs, Upwork lets you:

• Choose your projects. Browse thousands of listings across every industry and find clients who value your work.
• Set your own rates. You control how much you charge based on your skills and experience.
• Work your way. Enjoy flexible hours, remote options, and global clients — all in one secure platform.
• Build your reputation. Consistent quality and reliability help you attract repeat clients and higher-paying opportunities over time.

Side hustles work best when they align with your strengths. Instead of chasing every trend, focus on projects that energize you, help you build new skills, and move you closer to financial independence.

If you're ready to turn your talent into income, join Upwork today. Browse available projects and start shaping your financial future — one freelance opportunity at a time.

Upwork is not affiliated with and does not sponsor or endorse any of the tools or services discussed in this article. These tools and services are provided only as potential options, and each reader and company should take the time needed to adequately analyze and determine the tools or services that would best fit their specific needs and situation.