In the last decade, the Internet has created great opportunities for generating passive income. The potential of this environment is truly enormous and it is increasing by leaps and bounds. You can regularly read success stories of people who became millionaires and billionaires who created their own on the Internet without investment. Entrepreneurs are creating huge companies using the World Wide Web, and this happens every day.

On the one hand, there are examples of large corporations such as Facebook, Twitter and LinkedIn, which have now become integral parts of our daily lives. On the other hand, there are success stories of thousands of bloggers and digital entrepreneurs who have created innovation streams passive income via the Internet.

What does passive income look like online?

The basic business model on the Internet is as follows:

• Creating and setting up a website/blog;
• Filling the resource with useful content/information about the product for the audience on the site;
• Attracting web traffic/visitors/customers through marketing efforts;
• Converting the audience for the necessary purposes;
• Generating income through advertising and/or sales of products;
• Repetition of processes.

It sounds simple at first glance, but to achieve the desired results, you need to work through each step and understand what works and what doesn't. Each of these stages has its own set of tools and methods that are recommended to be used in order to master the process of generating passive income from the Internet.

The World Wide Web is a huge market that can be mastered by any person who has a certain set of knowledge or is striving to obtain it. If you have an idea and a desire to learn, then you can also earn huge money online. Well, in addition to money, you may be motivated by the opportunity to work from home and have a 4-hour work week.

Interested? Then let's look at some sources of passive income

Sources of passive income on the Internet and how to create it

Every day thousands of new blogs appear on the World Wide Web, but only a few achieve success - those with an interesting and useful topic, or those with a persistent and hardworking owner.

Website creation

This method of passive income is even more popular on the Internet than blogging. It involves the development of an online resource that will have useful content or functionality for users. The advantage is that the creator does not need to create materials on his own behalf (in the first person).

We have already described the ideal model for working on a high-quality and popular website above in the article.

Earnings on the site are made through the same advertising blocks or material containing advertising subtext.

The most promising method, which has not yet fully gained its popularity. Ideal for people who are interested in photography.

Earnings from photographs are made by selling them as unique content on specialized websites or mobile applications.

By uploading a couple of hundred photos to one of the web platforms, you can receive good passive income without investment in 2019 from them. And all this is done thanks to the fact that the services sell/purchase photos without the participation of the seller. You will need to log in periodically and transfer your earnings to your electronic account.

Writing a book

Writing a book is very difficult, but it’s worth trying, because it can be a good income.

An e-book can become a stream for you real passive income for many years. You can either sell your book on your own website, or publish it in thematic online stores by entering into partnership agreements with their owners.

Absolutely anyone can create a channel on YouTube and start making money from videos. To do this, you only need to have an idea for shooting interesting material and a video camera.

Channel owners make a profit due to the fact that users, while watching videos, click on advertisements, which periodically appear in the form of advertising blocks or media inserts. Videos on YouTube can be good sources of passive income. I would like to note that on average, for 1000 views of your video you can earn $0.3 - $1. But these are average figures that may differ from reality.

Another source of profit from YouTube can be advertising from direct advertisers who contact the owners of channels that have many millions of views.

Creation of an online service

If writing articles or creating videos is not for you, then you can make money by creating an online service that will benefit users and solve their problem. Examples of this would be calculators, generators, maps, bulletin boards and the like.

This is truly a fantastic opportunity to create passive income online. You can make money on it using YAN or Google AdSense advertising units, affiliate links, make paid access to some features of your service, and much more.

Every person is, to one degree or another, an expert in something. And you can make a profit from this.

Earning money from your knowledge through the creation of online courses is losing its popularity, especially if it is presented in the form of text material. Therefore, it is recommended to create a series of video lessons (course) that can teach users something useful. Among the main requirements, it is worth highlighting the quality of your training material, as well as its real usefulness.

You make money from your own courses by selling them. The technology is similar to e-books.

Smartphone application

If you are looking for an answer to the question of how to create a source of passive income, then one of the best answers is to create an application for smartphones. This can be not only something useful, but also entertaining, such as a game.

There are many programming lessons online, so in literally 12-18 months you can not only master languages, but also create a finished product. The latter, in turn, will generate profit for you by placing advertising in it or through direct sales of downloads through markets.

Conclusion
We hope that all of the above will help you in finding answers to your questions. We tried not only to explain what passive income is on the Internet, but also to inspire you to create it.

Many people dream of passive income and ask: “How to create passive income from scratch? Where can I find proven passive income ideas? But not many people know that today this type of income has become available to everyone. And largely thanks to His Majesty the Internet! In this article I will expand on the concept of “passive income” (residual income), talk about the sources of this type of income and describe several ideas for creating it that I use myself.

If you have already thought about the possibility of creating passive income and are striving for the life that passive income provides, then this article will be useful for you!

is a type of income characterized by stable cash inflows, regardless of daily activities. Most likely, you have already encountered (or heard of) people who live off passive income. These people usually "don't go to work." Such people are called rentiers.

A rentier is a person who lives off rent - income received from the capital that he placed in business, deposits, income-generating real estate, securities, as well as income from copyrights.

For example, you are an expert in a certain field. This means you can “sell” your knowledge by recording a training course (audio or video, it doesn’t matter). You have created a high-quality course once, and it will generate income for you whenever someone buys it (this can last for more than one year).

We have defined the concept of passive income. Now answer this question for yourself:

Why do you need passive income?

Many are attracted by luxurious life - luxurious beaches and houses, cars and yachts. But some people take this life calmly and are happy with what they have. I am one of these people because I understand that a luxurious life is just the tip of the iceberg.

I think the main advantage of building passive income is that you will be able to free up your precious time for your favorite activity, which you cannot do now because you are “working at work.” I know people who would like to devote themselves to serving other people - the homeless, children in orphanages.

With the help of passive income, you can start making your dreams come true.

2. “Money goes to money”?

The expression “money leads to money” quite often justifies itself. Today it so happens that people with average incomes spend all the money they earn without a trace, purchase goods on credit and borrow from friends and acquaintances until their salary or advance payment.

Why does it happen that people 30–40 years old cannot earn a good living? Now I will answer this question.

IMPORTANT! The point is: people don't know how to focus on creating assets. capable of solving material problems. It turns out that people are driving themselves into financial slavery, which is flourishing these days.

The educational cartoon, which you will find at the end of the article, presents the basics of personal finance in simple language and classifies people depending on their ability to manage them (which category do you belong to?):

1. Zombies (financial). Their expenses exceed their income and their assets are negative. Those. they live from paycheck to paycheck and are always in debt. Almost all their money goes to pay off their debts.

2. Kamikaze (financial). Their p A collections are approximately equal to their income, assets are negative. They often look wealthy: they have an apartment, a car... However, this is all on credit. They walk on a razor's edge, and in case of unforeseen circumstances they easily fall into the ranks of financial zombies!

3. Maniacs (financial). Their income is equal to or slightly higher than their expenses, and their assets are zero. They usually have no debts, but they also have no savings. They are at the mercy of the consumerism syndrome: they never have extra money, because they will always find something to spend it on right away.

4. Turtles (financial). Their income exceeds their expenses and their assets are positive. They have no or minimal debts, they have savings. But like turtles, they accumulate slowly, because they prefer to keep their savings under the mattress, and the most advanced turtles keep their savings in a bank.

5. Sages (financial). Their income exceeds their expenses, their assets are positive. They differ from turtles in the level of investment. Investments of net assets generate passive income for them.

Do you recognize yourself from the description? For example, I see that since I started thinking about personal finance and studying books on financial literacy, I gradually began to move towards the 5th category.

In order to learn how to create assets, I highly recommend that you read books on financial literacy by the famous businessman and investor Robert Kiyosaki. And be sure to give these books to your children to read. Start with books Rich dad, poor dad And Cash Flow Quadrant. If you prefer books in “paper” form, you can purchase them, for example, on Ozone (they have free delivery) - Rich dad, poor dad , Cash flow quadrant.

I like Kiyosaki’s simple but very effective advice for creating your own asset. As soon as you receive some income, you begin to distribute it to others - pay for an apartment, for school, for a hairdresser, for a concierge at the entrance. You give your money to everyone, but not to yourself! This is a fatal mistake for everyone who has not yet built passive income.

You must first of all “give” money to yourself, and therefore to everyone else! In this way, you will begin to create your asset and then you will be able to increase it by investing in your business or in some other way (which we will discuss below).

Here's a simple exercise. You can easily become a millionaire if you save just $1 a day! Don't believe me. Then open any deposit calculator on the Internet, for example this one. And you will see that if you give up one cup of coffee a day for 30 years (figuratively speaking), you can become a “hryvnia” or “ruble” millionaire.

I can’t believe it?! Look at the screenshot: a deposit at 12% with monthly top-ups of only $30 ($1 per day) with monthly capitalization will turn into 2.7 million hryvnia or 7 million rubles ($108,000). And it's only $1 a day.

TIP #2: UNDERSTAND that someone who works all day has no time to make money!

John Rockefeller said: “He who works all day has no time to earn money!” Think about his words.

Indeed, working in an enterprise, production, office, or no matter where, people earn money for “current” expenses. And you can become a millionaire only in your free time from your main job.

It follows that TIME IS OUR MAIN WEALTH. Remember: “Time is money” - this is what wealthy people take advantage of.

Let's consider the day of an ordinary person: in the morning he goes to work, in the afternoon he works all day, in the evening he goes home. On the way home, perhaps he goes to shops, cafes, and at home - dinner and TV. Naturally, such monotony does not set the stage for progress in the future, especially if you take into account that many make money by doing something they don’t really like to do.

Naturally, the creation of passive income is preceded by active work for a certain time (this can be several months or several years). But then you can leave your “unloved job” and enjoy life.

TIP #3. GAIN knowledge in the field of personal finance.

The famous financial literacy specialist Robert Kiyosaki, whom I mentioned above, DEFINED WEALTH BY THE LENGTH OF TIME during which, while continuing to live comfortably, a person can not work.

"Cash flow"- this is the name of the world-famous game by Robert Kiyosaki, which can help you figure out how to “turn time into money” by creating a constant passive income.

There are several versions of the Cash Flow game - 101, 202, 303 and 404. Each of them teaches investing skills, building your own business and competent handling of personal finances. Don't think this is just child's play. The game “Cashflow” will be interesting and challenging for all adults - not only for an office worker, but also for the owner of his own large business.

You can buy the game in a bookstore, but it will cost 30 or even 50% more than in an online store. You can order the game on the trusted website (online store) ozon.ru with free delivery. Here is the link Board game Cash Flow 101 (2016 edition).

If you want to learn more about the Cash Flow game, I recommend this interesting and useful with a detailed description of it.

IMPORTANT! I think you already understand that to build passive income, the first thing you need to do is learn financial literacy. Neither our parents, nor schools, nor universities give us this knowledge. Even if you work as an accountant in a large enterprise or a financial analyst in a bank, this does not always mean that you have knowledge in the field of personal finance.

3. Types and sources of passive income

We answered the question, what is passive income? I think it’s time to satisfy your curiosity by revealing the “secrets” of ways to create and sources of passive income. We will talk about this later. You just need to choose the method that suits you.

Many are not happy with the fact that they will have to wait (months, years). But we need to get out of this psychological trap. Think about it, working age lasts 25–40 years, ending with retirement age and receiving a pension, which can hardly be called “deserved and worthy.”

It turns out that we can work for several decades doing something that you don’t really like, but ensuring financial independence for ourselves is “beyond our strength.” But you will have the opportunity to retire much earlier than the period established by the state (not at 55 or 60 years old, but at 35 - 45).

Are you sure you want to create passive income so you can have more free time? Then start TODAY to take decisive action in this direction. Make up your mind and take action!

So, more about the types and methods of creating passive income

There are 4 types of passive income:

• investment (financial),
• intellectual,
• marketing,
• legal (required by law).

Agree, not very much. The types of passive income in Russia are the same as in other countries in the world. Now let’s figure out what ways you can provide passive income.

1st type. Investment (financial) passive income

Created in case of investment (investment) of funds in certain financial instruments and items. From the investment we receive a certain amount in the form of interest or profit.

Sources of profit can be:

• real estate;
• Bank deposit;
• securities;
• our business (if we buy it);
• equipment (if you rent it out).

2nd type. Intellectual passive income

Sources of income can be:

• Royalty;
• Patent for invention (technology)

If you don’t like the idea of ​​creating an information product yourself, you can earn income from promoting other people’s information products through affiliate programs. I myself earn income from this online business. I consider Evgeniy Vergus to be the main expert on making money on affiliate programs. You can immediately start earning money while studying this course. "PARTNER SALES WORKSHOP". You can easily recoup the cost of the course by studying the course and at the same time earning money by advertising affiliate information products. *

3rd type. Marketing Passive Income

This type of income is possible if you create a marketing system(s). For example, your website on the Internet or a personal brand for rent. Either one or several options are possible.

Personal branding involves using your name for commercial purposes.

For example, screen and sports stars are often involved in filming advertisements, thus becoming the “face” of a certain brand or company. They receive decent fees for using their name.

In this case, sources of passive income can be:

• own developed network marketing structure;
• commercial structures using your personal brand;
• your website;
• a business that generates profit from the operation of a marketing system (for example, an information business).

All these sources of passive income will provide you with passive income on the Internet without investment.

4th type. Legal passive income

I think there is no particular need to dwell on this view. I will only note that these are payments due to you “according to the Law.” By the way, there are people who rely on this type of passive income. For example, civilians work under contract in military units for low pay. But then they retire earlier and are guaranteed to receive a “military” pension.

4. Ideas for creating passive income

You have already learned about the types and sources of passive income. It's time to get acquainted with the options for creating it.

I propose to consider the most common and relevant ideas. Perhaps one of them will suit you to ensure a regular cash flow.

1. Information site or blog

If you know how or want to learn how to create and launch websites, and know the basic principles of marketing, then you can organize passive income, practically from scratch. It’s not for nothing that organizing passive income using the Internet is becoming increasingly popular.

For example, the blog you are currently on also generates passive income.

In addition to the above skills, you will need free time, as well as a desire to learn. You you can make your own website even if you do not have any special technical skills. Especially for those who decide to make money with their blog or information site, I have prepared a series of articles with step-by-step instructions, videos and screenshots. In less than a week you will have your website ready for content. Here is the link .

To organize passive income using your website, you will, of course, need some time (from six months to two years). This time will be needed to regularly work on your project (several hours a day) in order to improve and optimize it.

Do not be mistaken that by creating a website, you have done everything necessary to receive passive income, and now you can “sit back.” No! To turn a site into a full-fledged “money machine” you will have to work on it for 1-2 years. But you will start receiving your first money within a few months after the start of the project.

After you turn your site into a “money machine”, you can sell it (ready-made business!). Moreover, the proceeds from the sale can exceed the amount of monthly passive income by 20 times.

For example, my colleague bought a 3-year-old working website for 1,500,000 rubles.

The arithmetic is simple: If your website brings in 10 thousand rubles a month, then you can sell it for 200 thousand rubles. and more expensive.

Therefore, you can make money by creating income-generating websites and organize your business in this way.

Ways to make money on your website:

• placement of contextual advertising;
• placement of paid advertising articles;
• sale of advertising space;
• placement of affiliate links;
• selling your own training courses.

2. Intelligent product

Having a certain talent, it is possible to create your own intellectual product (book, technology, educational video, etc.). This product can become a source of your passive income if you start replicating it or renting it out.

Let's consider an example of passive income, when an intellectual product (a book) made the author a millionaire. Today, it is perhaps difficult to find a person who does not know the name JK Rowling. But it was the books about Harry Potter that brought her a multimillion-dollar fortune.

An invention, a fundamentally new industrial design or technology can also become a source of passive income. They will be your intangible asset.

An intangible asset is a product of intellectual labor that, without having a material form, is capable of generating income. For example, a patent for an invention, trademark or brand.

3. Property rental

Of course, the most common way is to rent out real estate. But let's look at other passive income options. For example, construction, commercial or industrial equipment and other expensive things. Moreover, passive income from real estate is often lower than from equipment.

For example, by purchasing construction equipment and tools, you can rent them out, thus organizing your business. If a drill or hammer drill costs, for example, 20 thousand rubles, then you can rent out the tool for 100 – 500 rubles per day. The tool will pay for itself in a fairly short period of time (less than a month).

4. Securities, bank PAMM accounts, mutual funds

One of the common ways to create passive income is by investing in financial instruments.

Investing, in some ways, can be thought of as a business. But to become a professional investor, you must first study this complex topic. You can learn more about financial instruments on this useful website Club of private investors “Where to invest money - ways to invest.”

Of course, investments have advantages (higher income compared to a bank deposit), but they also have disadvantages, namely: high risks.

PAMM accounts, mutual funds and securities are not able to provide stable income (excluding bonds). There is a high risk of losses. Take this into account!

5. Network Marketing

Network marketing is considered one of the most affordable ways to create passive income. Perhaps because the first investment usually does not exceed $100.

The condition under which you can organize this kind of passive income is communication skills. Because in this case you will need to be able to communicate with people, win them over, ensuring friendly communication. The main thing is that you do not fall into a financial pyramid!

To protect yourself from this risk, check out this helpful article “What is a financial pyramid?” .

6. Own business

Organizing an entrepreneurial project is perhaps the best way to create passive income.

Internet business is suitable for people with any financial situation at the moment. Even if you do not have large enough finances, the network can provide opportunities to start with virtually no investment. Thus, your income will gradually turn from “active” to “passive”.

The most difficult step towards starting your own business is simply making a final and irrevocable decision. It's best to start with a simple business without investment. With organization ideas business without investment for beginners entrepreneurs read . The information in this article will help you organize a business and create passive income from scratch.

Let me give you my example of passive income. I built my own vending business - I bought several payment terminals (invested my own capital), and installed terminals in supermarkets under a lease agreement. The terminals are collected by a third-party organization under a maintenance agreement. I receive income that can be called passive, although I participate in it (I carry out settlements with my counterparties). This business takes very little time - 1-2 days a month.

I highly recommend investing in a vending business, where machines work for you and you receive income. The potential of this business, based on statistics, is huge!

5. Recommendations and tips for acquiring financial independence

You have already become acquainted with the concept of “passive income” and learned about its types and methods of organization, about the ideas of passive income. You know enough to take action. As soon as you make up your mind and begin to act, you will have the opportunity to gain financial independence, leave your “unloved” job, start traveling and do what you have dreamed of all your life, for example, charity.

1) Take the time to build assets.

Don't limit yourself to just income from your day job. Think about what you can do so that, having done this once, you will receive money many times over - replicate your efforts!

I hope that you are not striving for a “beggarly” existence, which, unfortunately, a pension can provide.

2) Strive to organize several sources of passive income.

In this case, you will protect yourself from possible risks: the loss of one source may be compensated by another. And at some point it will support you.

How important this is is described very well in his book.

3) Increase financial literacy

Self-education is the first thing you should do! Invest in yourself! I recommend carefully reading books considered fundamental: Robert Kiyosaki "Rich dad, poor dad" and Bodo Schaeffer "Money or the ABC of Money", - they will help you understand more deeply the principle of the functioning of money and the principle of creating passive income.

Please note that there are no special “secrets”. For success you only need desire, time and certain knowledge.

Watch this educational cartoon about what passive income is so that all the puzzles fit into a clear picture and you have the confidence to start moving towards creating passive income. You should start by educating yourself on personal finance. It is also extremely important to pass on this knowledge to your children!

I wish everyone confidence and determination!

I managed to create several sources of passive income, so you can too!

Write in the comments which category of people you belong to from a financial point of view and did you manage to move to a category closer to 5th?

Subscribe and receive the most interesting blog materials - subscribe below. When you subscribe, you will receive the first biography of Elon Musk, one of the leaders in financial literacy today, for free.

A fairly large percentage of contemporaries are looking for passive income options for themselves. People begin to care about their future when they are young. Living on a small pension or, roughly speaking, “survival” no longer appeals to anyone. Preference is given to a certain amount of work done, for which long-term systematic payment is made in the future. This allows you to do what you love and not attend a job you don’t like, enjoy life and realize your potential, and forever overcome the problem of all modern humanity - lack of time.

Deposit is the most common passive income

The most common investment instrument is a bank deposit. Passive income depends on the amount deposited into the account of a financial institution. The options for partnership schemes are very diverse, and each bank offers its own terms of partnership. The main essence of the partnership is that a person gives his capital to the bank for savings, and the institution pays its client a certain percentage of the provided amount for a set period of using the funds.

Advantages: active participation of the investor in the process of capital increase is not required. High guarantees of safety and security of the deposit.

Disadvantages: low percentage, which is completely absorbed by inflation. The rationality of the direction is justified only if the starting capital is large enough.

Investment projects

When considering options for passive income, it is worth noting that risks are added to the high probability of large profits. This area of ​​investment is dominated by the purchase of shares of successful and developing companies. There are only two options for the development of events: the flourishing of the chosen company and the accrual of substantial dividends to the investor’s account, or the bankruptcy of the organization with all the ensuing consequences. To avoid unfavorable developments, investors are strongly recommended to contact specialized professional investment centers, where experts will advise the most profitable and less risky areas of investment.

Benefits: High return on investment.

Disadvantages: high risks, the need to have a large amount of funds.

Buying a property

When considering options for passive income in Russia, you can focus on purchasing real estate. You can consider not only the purchase of residential square meters, you can also pay attention to commercial properties. The property can be rented out. Investing in the purchase of foreign real estate is considered a very promising direction. In Western countries, almost 90% of the population lives by renting out their residential property. Income covers not only the minimum expenses of the family, but also recreation and entertainment.

Advantages: complete absence of risks, each project fully pays off when it is resold by the investor.

Disadvantages: purchasing square meters requires a lot of capital.

Secondary Investment Options

Secondary options for passive income offline are the creation of an intellectual product, network marketing and Each of the areas requires not only specific knowledge and professionalism in a certain area, but also significant effort at the stage of primary construction of a source of profit.

An intelligent product means releasing something for which people will be willing to pay money on a regular basis. It is enough to simply formalize the discovery and patent it. Income will be a percentage of sales. Passive income without investments based on network marketing is only possible if you get to the top of the pyramid, but for this you will have to spend a lot of time and effort, going from start to finish. Ultimately, you won’t have to work at all, since income will be generated from the labor of people from the very bottom of the structure.

Advantages: the ability to create a powerful one without having to maintain it.

Disadvantages: high labor costs in the first stages of work.

The Internet can help you

Thanks to the spread of the World Wide Web, a huge number of opportunities have emerged to create a permanent and stable source of good income without leaving home. The number of directions is unlimited. This is not only affiliate programs, our own websites, but also investing in successful managers in the stock markets, and much more. Passive income on the Internet is remarkable in that it is available to almost everyone, including young parents and students who do not have the opportunity to work full time. The big plus is that all the materials on organizing a source of profit can be found on the Internet, and by strictly following the instructions, the result will not be long in coming. In this case, no special education, much less university diplomas, is required.

Investments on exchanges

Investments on exchanges are the simplest passive income that does not require significant expenses. Options for inexperienced players in the foreign exchange market are not very diverse and are largely limited to deposits in PAMM accounts. Simply put, the deposit is transferred to the management of a qualified trader, who, for a certain percentage of the profit, increases capital using trading instruments. Depending on the qualifications of the trader, the amount of profit on invested money can vary from 150% or more per year. Funds can be either reinvested or withdrawn. The main thing here is to study the principles of choosing managing PAMM accounts. There are risks of losing your deposit or part of it, but it is quite possible to minimize them by differentiating risks and distributing capital.

Advantages: the opportunity to receive income from the first month of investment.

Disadvantages: an incorrect decision on the direction of investment can lead to the loss of the deposit.

Personal site

When exploring passive income on the Internet, one cannot help but mention creating your own website. A popular and interesting project can bring good profits. A resource that has traffic (a constant flow of visitors) is in demand for advertising, affiliate programs and network business. If in the first stages of project development you have to spend a certain percentage of the total income and a lot of time, in the future there is practically no need to spend effort on maintaining the profitability of the site.

Many argue that to create a website you need to learn a programming language and the SEO optimization structure. In fact, a ready-made frame can be ordered from an agency or a freelancer. SEO optimization can be carried out independently. An alternative to creation and promotion is the purchase of a ready-made working portal with a certain profitability. All that remains is to maintain the existing one in working order.

Advantages: income level is unlimited. It all depends on the activity of the project creator.

Disadvantages: It takes time to learn a new area.

Public pages

Creating a public page on a social network is another promising passive income. Options without investments are not so common, but this is exactly one of them. No specialized skills are required to create a public page. The designer is at the disposal of the network user. It is enough to fill the project with interesting information and attract as many group members as possible. In the future, the prospects for earning money are as follows: paid placement of advertising, banners, informers, links. The most popular topics are women, men, relationships, sports and cooking.

Video blog on YouTube channel

The most popular options for passive income in the USA are the creation of various kinds of video blogs, including on the YouTube channel. Profits will come from advertising that will be distributed within the blog. This prospect opens up opportunities not only for trading links and selling advertising, but also for direct cooperation with the advertiser. Customers are willing to pay impressive fees for reviews of their own products and for describing them in a positive way. It is quite natural that the more subscribers there are on a channel, the higher the reward its owner can expect.

Advantages: unlimited profit threshold.

Disadvantages: the need to constantly maintain the popularity of the channel.

Why are people afraid of passive income?

When considering the options, users are put off by the fact that there is a certain time gap between the work done and the payment. People are accustomed to constantly doing a certain amount of work and immediately receiving their reward. Working for the future scares most people. Fears related to the fact that the resources spent will not be rewarded play a big role. No one is used to wasting time and investing money without knowing what results it will bring.

In Western countries, passive income options are actively considered by millions of people. They prefer a one-time investment of funds and wasting time in order not to think about the level of their material well-being in the future. Everyone strives to get away from visiting the same workplace every day, month and year. Stable wages, which are a guarantor of stability, are gradually losing their attractiveness. The search for alternative options for earning money is in fashion, with large profits and minimal expenditure of effort and time.

We all dream of getting money and doing nothing. Imagine this. You are sitting by the pool with a glass of freshly squeezed orange juice. The idea creeps into your thoughts that you need to visit another sunny country. And at this time, every minute there is more and more money in your financial account. Unfortunately, only a few take any steps to make their dreams come true. Creating passive income is not exactly a difficult matter, but the result of such actions gives you a completely different life. I would like to tell you about 5 simple steps that will give you the opportunity to create passive income.

1 step. A burning desire to change your life.

First of all, you must develop within yourself a burning desire to be free, to do whatever you want, to be with those people who understand and love you. In order for the desire to create passive income to become even greater, imagine how every morning you reluctantly go to your unloved job, where you obey your boss, fulfill his stupid wishes, and constantly have to stay late. Do you want another? So get angry at this situation and say that you will do everything to receive passive income and do whatever your heart desires. And to maintain your “burning” desire, every day you must compare the situation that you have at the moment and imagine “the life of your dreams.” So we figured out what needs to be done at the very beginning of the path to creating passive income.

Step 2. Change the thinking of a poor person to the thinking of a rich person.

Try to answer one question: “Why do you only have your 20,000 rubles monthly salary as your income?” The answer is simple. You have a poor man's mentality. You don't see any other ways to get money other than being hired. You have a lot of fears in your head so that money can come to you in large quantities. The result is a boring, dull, mediocre life for an ordinary resident of Russia. And I’m sure that you want something else, and that’s why you’re reading this article now. So your next step in creating passive income will be to change your financial thinking. To do this, I recommend that you read only 2 books. At one time they changed my thinking. These are the Rich Dad Poor Dad and the Cash Flow Quadrant. The author of these books is Robert Kiyosaki. In his books, he shows how you can create passive income by changing your thinking. After reading them, I am sure you will look differently at your income and expenses, at your assets and liabilities.

Step 3. Learn to save money for investment.

It is necessary to understand that creating passive income without investments is impossible. You will definitely need money to create various sources of passive income. Therefore, it is necessary to save some money from your main income each time. There is a certain golden rule that will have to be followed. It's called the 10% Rule. Each time you should save 10% of your income. If you received a salary of 15,000 rubles, please put aside 1,500 rubles and don’t touch them at all. This will be very difficult to do at first. Well, then it will become a habit for you. You will understand that it is very easy and you will soon increase the amount of money you have saved. A good result is considered to be 25% of the money saved from income. And when you can save 50%, you will be able to create passive income for yourself faster.

Step 4 Choosing the type and source of passive income.

Next, you will have to figure out what types of passive income there are. For some, it will be better if the cash flow comes from offline (for example, passive income from real estate), and for some it will be easier to create passive income on the Internet. Maybe you will be great at writing articles on a topic that interests you about bicycles. Then you can run your own blog and receive passive income from the site.

Step 5 Investing money in a source of passive income.

Afterwards, you need to invest your accumulated money in the chosen source of passive income. Those. in other words, you must buy an asset that would generate passive income for you. A simple example is buying an apartment to rent out. The purchased apartment will become your asset and will bring you additional income every month.

Video about passive income. The Parable of Pablo and Bruno

Pablo and Bruno take two completely different paths to achieve financial independence. What are you going to see? A great animated film about their adventures. So sit back, relax and watch this lesson on how to change your life - the parable of the plumbing.

Far, far away in a small village near a beautiful valley lived two friends - Pablo and Bruno. They were both young and wanted a better life for themselves. They often shared dreams with each other about how they would become the most successful people in the village. They were not afraid of hard work and looked for opportunities to achieve their goals and achieve their dreams. And one day such an opportunity presented itself to them.

The village chief decided to hire two men to carry water from a spring at the top of the mountain through the valley to the village. Payment for labor depended on the amount of water delivered to the village. Bruno and Pablo set to work with enthusiasm.

Every day from morning to evening they carried buckets of water from the source to the village. They did their job with persistence and hard work. Every evening they returned home with their day's earnings. Bruno was happy with his job and the money he earned. He was confident that this job could make his dream come true. Bruno decided that to increase his earnings he needed to get bigger buckets to hold more water. He hoped that increased income would soon allow him to buy a cow and the house he dreamed of.

But Pablo was unhappy. At the end of each day his back and legs hurt. He felt exhausted. Pablo was looking for an easier way to earn more and one day an idea came to his mind. He imagined building a water pipeline to bring water from a mountain spring to the village. This pipeline would allow him to transport more water without carrying any buckets. He soon became excited about the idea and began planning.

Pablo suggested that Bruno build a water pipeline together, but he decided that this idea was pointless. All Bruno was thinking about now was how to make money faster. He believed that building a water pipeline would take a lot of time and he would achieve his goal later. Instead, Bruno took out a larger bucket and began to carry the water faster. He was sure that this method would bring him more money.

Pablo decided to build the water supply alone. He understood that it would not be easy and would take a lot of time until the water supply was completed. Pablo knew it could take him several years to build. But he concentrated on his idea. Every day he worked and carried water as before, but in his free time he built his own water supply system. In the first month he had nothing to brag about. Bruno and the villagers laughed and teased him. They nicknamed him Pablo the Plumber.

Download my book that will help you achieve happiness, success and wealth

1 unique personality development system

3 Important Questions for Mindfulness

7 areas for creating a harmonious life

Secret bonus for readers

7,259 people have already downloaded

At the same time, Bruno's income doubled. He has already bought a cow and a big house. His life changed. Now he spent his time after work in the bar, enjoying what his hard-earned money gave him. But he didn't realize that his back was slouched due to hard work. The face was drawn and the body was exhausted. He soon began to carry less and less water as his health got worse and worse.

Pablo worked month after month. Soon a year passed, and then another. Finally the construction was completed. Pablo was now making more money than Bruno. The flow of water into the village did not stop for a minute while Pablo rested, slept and ate. Pablo was happy and could be proud of his insight, hard work and perseverance. Now money flowed to him just like water in a tap.

The story of Pablo and Bruno is a reflection of real life. We usually try to increase our income by working more and more, working in our spare time or holding two jobs. We are also trying to increase our monthly salary, which leads to more employment and less free time.

Most of us trade time for money. We know that each person has only 24 hours a day and that it is impossible to devote all the time to work. The hardest times come when we are unable to exchange time for money due to age, health or some other reason. And then our income stops.

And Pablo did not trade time for limited income, but he did use some of his time to build a water supply system. He knew that the water supply would begin to generate regular income. Pablo knew that a time would come when he would not be able to exchange time for money. What about you? Are you still the same as Bruno, or do you want to be like Pablo and receive passive income? You can start building your financial flow here and now.

7 reasons to create passive income

Freedom.

Every person needs money to survive in this world. To do this, we go to work, where we work for a whole month for a tiny salary. When we work for someone, we are not free and dependent. We do not have the right to our opinion and choice of actions, everything is already described in job descriptions. And, if you have passive income that exceeds your monthly salary, then you have the opportunity to choose and act. You decide when and what to do. Creating passive income allows you to reach a new level of financial development.

Time.

If you create several sources of passive income that bring you high profits, then you have a lot of time freed up. You can use this time as you wish. Someone spends it with people close to him, someone travels, and someone begins to create their own business or another type of passive income.

Independence.

If you have passive income, then you won’t care about salary delays at work, missed bonuses and bonuses. The profit you receive from liabilities gives you the understanding that you are independent. This removes your fear of running out of money and allows you to be more liberated in your actions.

Safety.

When you know that every month you will have money from passive income, then a feeling of security comes. You don't have to worry about where to get money for food, clothing and rent. Even if you get sick and have to quit your job, there is a whole wall of cash flow behind you.

Confident future.

Each of us thinks about our future. What will happen to us when we can no longer go to work? Who will support us? Everyone constantly thinks about retirement. But in the realities of our country, a pension does not provide a secure life in old age. Therefore, by creating various sources of passive income, you create your bright financial future.

Stability.

If you correctly create a passive flow, you will constantly receive money at the same time.

Mobility.

How freezing it is when you have to sit in the office all day. Everything is strictly on schedule, lunch is on schedule. And if you violated the internal regulations, then there will be a deduction from your monthly salary. Passive income relieves you of the effort of exchanging money for time. At a time when you earn money yourself, you can afford anything. You can travel, do yourself and other things that you like.

These are just a small part of the benefits that passive income can give us. I would also like to note that, unlike wages, passive flow does not have a “ceiling” of profitability. How much money you will receive depends only on you.

Passive income without investments...

Many people want to create passive income and often enter search queries such as “passive income without investments.” Of course, everyone wants to relax in the Maldives, drive a cool car and not lose a finger. Wake up! It doesn't happen like that...

Creating passive income is a very difficult and lengthy task that requires any person to have a burning desire, willpower, motivation and, of course, real action. Passive income comes from creating or purchasing assets that generate cash flow.

Sometimes, as passive income without investments, you can count sources of income such as affiliate programs, creating your own information product or website. Yes, income from such assets can be passive, but first you still need to invest.

Passive income is just a consequence of your investments in some asset. So without what investments can you ensure your cash flow?

Passive income without investing in your education is impossible!

In general, passive income is the result of long-term investments not only in assets, but also in yourself, in your education. As Robert Kiyosaki says, you need to increase your financial IQ, otherwise you will remain in the cash flow quadrant, where everyone works for a salary. Start reading books and be sure to read Rich Dad Poor Dad first. Again, you should not limit yourself only to the financial sector. Develop spherically, i.e. work on every area of ​​your life. Finances without health will not come to you either.

So sign up for a gym or martial arts course, buy a bike or start swimming. Also develop your skills in communicating with people. The more you communicate, the more friends you will have who will help you. If you do not develop as a person, then you will not see a money pipeline, as in the parable of Pablo and Bruno. Money comes only to strong and educated individuals.

Passive income without investing your own time is impossible!

Time is one of the main resources in life that we manage. Some people use their time productively, while others don't. Any source of passive income requires an investment of personal time. First, you must understand how the source is created, how much money it can bring in per month, what are the risks that you will lose it. All this takes time.

Then comes the process of actual creation or acquisition. And this is also time. For example, it will take you less time to receive passive income from pamm investments than to create your own website and sell advertising from it. Passive income is not created in seconds; the process can take a week, month or even years.

Passive income without investing money is impossible!

In most cases, it takes money to create an asset. In some cases, this is a big investment, for example, if you want income from real estate and buy an apartment for rent. And some can be done with a small investment. For example, to create a website you need to buy a domain and hosting. This is approximately 600 rubles. Not that much, right?! Again, you can say that I will take other people's money. Ok, if you can, then why not, but then you will need to invest other resources: time, knowledge and skills, ideas.

Therefore, let’s still be honest with ourselves and not say that there is passive income without investments. It’s just that the word passivity itself is misunderstood by everyone. This is the other side of activity. They must be in balance. That's how active you are and how many sources of income you create, so much you can be passive in the future...

So think about what investments you can make today to gain financial freedom tomorrow. And I can also give very good advice. If you want a decent cash flow for yourself in a shorter period of time and with less investment, then this can only be done with the help of passive income on the Internet.

7 simple rules leading to passive income

Rule 1

Pay a tenth of all income to yourself personally. You need to do this regularly and first of all...you love yourself;) (in this regard, you need to be a little selfish). Of course, following this rule requires a little willpower and self-discipline, but these are the main qualities necessary to achieve financial goals. Many people think like this: “Money is already not enough in everyday life... how else can you save something?” Believe me, a tenth will not solve your problems on a global scale...

Rule 2

Control your expenses. It is difficult to “catch” the balance between necessary expenses, emotions and whims, but nothing is impossible;) There is an old saying “There is no such thing as too much money,” but this only happens when we do not “turn on” our brain. Everything in this world is relative...some people don’t have enough money for bread, and others don’t have enough money for a private plane. You need to make it a rule: FOR EVERY RUBLE SPENT - GET THE TRUE VALUE. Clearly plan your expenses and do not touch the NZ (tenth of the deferred part)))). Try to make this a good habit.

Rule 3

Make the NC “work.” Of course, the money you save warms your soul, but it’s of no use if it’s just lying “under the mattress.” And here our task is to invest our funds correctly, thereby creating at first a small, and in the future, a solid influx of cash into our pocket.

Rule 4

Protect your capital from losses and unjustified risks. “Smart” investing is based on the security of your fixed capital. There is no need to rush headlong into the pool and chase after quick enrichment. Before you invest any of your hard-earned money, you need to look into money-back guarantees.

Rule 5

Home Sweet Home. It is profitable to invest in real estate. Everyone should have their own housing, because this is not only a secure rear for the family, but also, in a certain situation, a “reserve” of funds that can always be sent “to work” and will not be eaten up by inflation.

Rule 6

Create income for the future. It is very important to provide for the needs of advanced age and create (even if not a large) financial reserve for yourself and your family at the time when age becomes an obstacle to study and work.

Rule 7

Constantly develop yourself. The more we know and can do, the more we can earn. The world does not stand still, and a person who keeps up with the times, develops intellectually, improves himself, deserves greater rewards.

And so, I hope that these not at all complicated rules will help you acquire useful habits, change your worldview, thoughts about money and income in general. After all, our life depends on our thoughts. Use these 7 rules wisely and you will end financial difficulties forever and even get rich over time;)

Sources of Passive Income

Bank deposit

Everyone knows about deposits in banks. You open a deposit and receive an annual percentage from it. If we assume you put 1,000,000 rubles on deposit at 10% per annum, then in a year your asset will increase by 100,000 rubles and amount to 1,100,000.

Pros: does not require any knowledge and practically does not require your activity (just first select a deposit with a certain %).

Minuses: low income compared to inflation (mostly less than 10%).

Securities

This is an investment in shares of various companies on the stock markets. This is otherwise called investing in Mutual Investment Funds (UIFs)

Pros: accessibility (everyone can do this, because one share is not that expensive), higher profitability (10-30%).

Minuses: it is necessary to choose a long-term investment strategy, i.e. additional knowledge in the field of economics is required.

Real estate

Real estate is one of the most stable types of passive income. People who have a second apartment or some commercial property can easily rent it out.

Pros: stability and transparent income scheme, income depends on your knowledge and actions in this area.

Minuses: you need real estate (real estate prices are high, it is difficult to purchase your first property).

Find out how much you can earn with passive income other than real estate.

Business

Here we can talk about business as a passive source of income, if you create it once and then transfer it to other people for management, i.e. you delegate. Thus, the business makes money without your participation.

There are two types of business: online and offline. In the first case, it could be a beauty salon, and in the second, it could be your author’s blog. Depending on what you choose there will be different pros and cons. By the way, passive income on the site is a very good source that can be created in the shortest possible time.

Pros: in both cases, high profitability is possible (there is no “ceiling”), online business requires less time and investment.

Minuses: offline business has big risks, a lot of investments are needed at the initial stage, in both cases you need great knowledge in the required field (you must have the skills of an entrepreneur, a leader, and a manager

If you have created some kind of service or invention, then you can receive royalties from their sale.

Pros: stability and transparent income scheme

Minuses: you need to come up with something first)

Nothing is more demoralizing than a modest but constant income.

Edmund Wilson

Creating a good source of passive income that will not disappear at any moment and will give you freedom is a very interesting, but at the same time, labor-intensive process. But he's worth it.

How to create passive income of 30,000 rubles?

In order to create passive income of 30,000 rubles and get financial protection, you need to create 3 different sources with a yield of 10,000 rubles. This will be passive income from the website, business and real estate. It is in this order that I recommend creating sources of passive income, i.e. from less expensive to more expensive.

Passive income from the site

Making money on websites has 2 very good advantages that you need to take into account if you are just starting to create passive income from scratch.

Minimum investment

You will only need to create a website and promote it in search engines so that there is a lot of traffic. At first, you only need to buy hosting and a domain. This is approximately 1000 rubles. You can learn how to promote a website and monetize it yourself.

No need to quit your job

You can create a website, promote and monetize it in your free time. Those. you don’t need to quit your main job, where you have a stable income. When your passive income equals your salary level, you can quit your “damn” job.

You need to understand that the site will not immediately bring in money. If you work well, within six months, thanks to the site, you can achieve passive income on the Internet at the level of 10 thousand rubles per month.

Examples of passive income from websites

To make it more clear how much you can earn, let’s look at it with you examples of passive income from various sites.

http://shpargalkaege.ru/ - website for preparing for the Unified State Exam. Traffic 5,000 people per month. Income – 10,000 rubles. Earnings come from sales

http://stroiki-master.ru/ - site about construction. Traffic 300 people per month. Income – 4000 rubles. Income from Yandex.Direct contextual advertising and sales of links in Sape.

url hidden – portal on a gaming theme. Traffic 3000. Income - $5,000. The main source of income is Google Adsense advertising.

Passive income from real estate

Advantages of real estate as a source of passive income

A large number of people invest their money in sources of passive income such as securities, precious metals or make investments in business, and some even manage to participate in all sorts of dubious financial pyramids. But you should know that the risks of such investments cannot be compared with the reliability of real estate, which can bring its owner a good monthly passive income from rent.

Disadvantages of real estate as a source of passive income

Of course, we must admit that income from real estate still has its drawbacks.

Expensive. Like any type of passive income created offline, real estate is an expensive investment. You need to have at least a million rubles to start receiving a decent cash flow. It’s another matter if you already have a second apartment or house, or maybe an office in the city center or a warehouse.

Low profitability. Income from real estate can average from 5-10% per annum. For example, the same passive income as a percentage can be obtained from PAMM investments in a month!

As an option to diversify your investment portfolio, real estate should still be considered as a source of passive income.

Example of passive income in real estate

Let's try to calculate how much money needs to be invested in real estate so that it generates passive income equal to the monthly salary in a city with a population of one million. For example, I will take the city of Voronezh, where I live. A one-room apartment in Voronezh costs about 1,600,000 rubles. If you rent out such an apartment, the passive income minus rent will be 10,000 rubles.

Concerns a lot of people. The explanation for this is very simple - everyone would like to be able to earn money without bothering with any work. This is the idea of ​​passive income - getting money without working.

The desire to start looking for such a “source of money” especially intensifies during periods when a person encounters difficulties at his main job and understands that he does not want to spend his whole life engaged in routine shuffling of papers, but would like to devote more time to himself, his family, relaxation and self-development.

In this article we will try to describe the most accessible passive income business ideas. Perhaps those who read it will be inspired and find their own source!

Rental

One of the most popular and simplest, perhaps, is income from rental property. This idea is elementary in terms of resources for organizing such income - it is enough to find tenants for the property that you own. On the other hand, the difficulty is, firstly, obtaining ownership of what you would like to rent out; and secondly, achieving profitability. Let's explain in more detail.

A great idea for passive income is renting out an apartment in the city center. What difficulties might there be? Firstly, not everyone has such a property. This is the main problem. Secondly, if you have such an apartment, you need to find a tenant for it. Thirdly, this person should be offered a rental rate that he could afford and, moreover, that would be profitable for you. This should also include the costs of cleaning the apartment after the tenants move out, as well as depreciation costs.

In the apartment example, everything looks quite simple - it is for this reason that today so many people are engaged in such activities. Let's take, for example, a more complex object - some non-residential premises located on the outskirts of the city. It will not be easy for you, as an owner, to find someone interested in such a property.

However, to receive such passive income, you can sublease something. This is, for example, when you rent an apartment monthly and rent it out daily. The benefit received is the difference between the rent and the money returned to the owner.

Copyright

A good passive income can come from the creation of some unique protected object. For example, it could be a musical composition, a computer program, a film or an image. With the protection of music rights, of course, everything is very bad in our country - copyright holders can only make money at concerts. Films make money from theater royalties and television channels buying them. But with a program or picture everything is simpler. In the first case, you can, say, start selling copies of your development directly on the Internet, receiving money for each installation. In the second, by posting an image on photo hosting sites, you will also generate real passive income.

Ideas don't end with these objects - you can come up with something to patent it and live on royalty payments for its use.

Starting a business

Of course, another fairly common way to organize passive income is your own business. It could be anything - a store, a cafe, some kind of service provider, and so on. The advantages of this idea of ​​passive income are obvious: by creating one working business and hiring the right staff, you can step back a little from control over it and engage in parallel development of other projects. Thus, we can talk about increasing the scale and growth of your income.

The disadvantage of owning your own business is the high level of risk and a lot of difficulties that novice entrepreneurs face. Also, we must not forget about the starting capital, which varies depending on what you would like to do. However, this is a topic for another article.

Online project

The development of the Internet has led to the emergence of another large and global area for business. Now everyone can start their own business online. It is noteworthy that the cost of creating such a business can be much lower than investing in a real business. But at the same time, you should not hope that working on the Internet is easy - the competition here is no less than in real life. But by launching a successful project once, you can get guaranteed passive income.

The ideas of what kind of resource this could be (news blog, service, catalog, store, etc.) are unlimited.

Investment

Another obvious passive income idea is investing. There are several disadvantages here - high risk and the need to have money for investment. Assessing the degree of risk, the investor makes a decision about where he would like to invest, after which he begins to receive dividends. The latter is the whole point of the idea of ​​passive income.

Ideas for passive income in a small town are just as relevant as in a metropolis. Investing as a tool for passive income pays off everywhere and always; the main thing here is to correctly assess the likelihood of making a profit or losing money. This depends on the area of ​​investment.

conclusions

Of course, the best passive income ideas always remain unknown to the vast majority of people. And only those who have them and who implement them begin to use them. This, on the one hand, is bad for those who do not know what to do to receive such income. On the other hand, everyone has the opportunity to launch their own source of passive income.

If you have money, this could be renting out an object or investing in something. If there is no money, then you can create one based on an interesting idea, or launch your own Internet project. In this case, long-term hard work awaits you, which will certainly lead to success.

And the best passive income idea is the one that works! Good luck in your endeavors!