Each of us dreams of financial independence. However, for the most part, we are forced to actively work from paycheck to paycheck, feeling the eternal fear of losing our job as our main source of income.

Meanwhile, there are options for so-called passive income, for example, we described in detail. Such earnings do not depend on current activities; funds are credited to the account thanks to thoughtful investments made earlier. You can lie on the beach and earn passive income as the only source of funds, or you can work peacefully in the office, simultaneously receiving a pleasant increase in income and not worrying about possible job loss.

Today's selection presents the best sources of passive income. Of course, most of the ideas from the top 10 require some starting capital, but there are also ways that allow you to lay the foundation for future income without investment.

10. Credit unions and trusts

Unlike bank deposits, such investments bring higher income. However, the risks here will be much higher. Credit unions and trust funds do reallocate capital, allowing the money to work and generate income, but only if the fund's management invests it wisely.

Investments in securities can bring a stable income if the investment is made by a specialist. Therefore, such investments require at least minimal knowledge of the state, trends and laws of the securities market. Otherwise, it is better to entrust the funds to professionals, paying attention to mutual funds, which will be discussed below.

8. Passive income on the Internet

– an investment project created according to the principles of a financial pyramid, operating on the Internet. The income of investors consists of funds from newly attracted investors. Investing in HYIP will not allow you to relax - in order not to lose everything, you need to regularly monitor the status of the project.

7. High-yield investing

If an investor is not attracted to independently purchasing shares or playing on the currency exchange, then the funds can be invested in the most or transferred to an experienced trader. Naturally, for their services, the owner of a PAMM account will retain a commission on income, but professionals have a better understanding of the market and know the most profitable ways of investing.

6. Play on FOREX

To play FOREX, you need to undergo minimal training to master the principles of trading. In addition, participation in trading requires constant attention, which makes income no longer completely passive. However, when financial literacy is combined with a certain amount of intuition and luck, fortunes can be earned on FOREX.

An excellent option for receiving passive income, however, it requires significant investments at the initial stage. After all, not everyone has real estate to rent out. If there is an object, then it can provide a stable income from several tens to several hundred thousand rubles per month.

4. Creating your own business

If at the starting stage a new business requires full dedication of effort and time, then over time a successful business can work like a well-oiled mechanism that does not require the constant presence of the owner. we presented earlier.

Websites allow their owners to earn money by advertising. However, in order for an Internet page to become a source of passive income, it must be filled with interesting and useful content, promoted online, and then maintained in this state.

When a person is looking for a new, but proven and reliable way to gain financial independence, he most often receives banal advice - find a job with a higher salary or get a temporary part-time job. But what if there is not a drop of strength, not a second of time or an ounce of desire for this? In this case, it is best to create a source of passive income, since it is thanks to this that you can earn extra money without spending a lot of time and effort on it. That is why the type of income from liabilities attracts an increasing number of enthusiasts every year.

What can be called passive income

Passive, residual or non-linear is income that is independent of daily activities and does not require constant control. These include dividends, payments on deposits, payments for authorship, money received from renting out property or monthly payments from the state for certain achievements in science or art.

The source of passive income is always an asset that has value for other people. As a rule, this is money, knowledge or property. Less commonly, an asset may be belonging to a certain social group of people:

• reparations are paid to war victims;
• members of the royal families in the UK, UAE, Switzerland and Denmark are on state support;
• Alaskans receive huge rents for the use of the peninsula's natural resources.

All these are sources of passive income, because their beneficiaries (beneficiaries) do nothing or almost nothing to receive money.

Types of passive income

Based on what source is used, passive income is conventionally divided into four types: investment, marketing, legal and intellectual.

Investment

Investment or financial sources are created when funds (asset) are invested in various financial instruments:

• stocks and bonds;
• real estate (resale, rental);
• someone else's business;
• deposits;
• PAMM accounts, mutual funds;
• highly profitable projects.

These projects bring passive income to their investors:

Marketing

Occurs when creating, replicating and selling a marketing asset - a brand or system.

A marketing system is a set of solutions used to perform a specific task. For example, positioning in advertising, knowledge reactor in forecasting, franchising in business.

A personal brand is the reputation of a particular person, group of people, thing or legal entity that can be used to achieve commercial goals. For example, the name of a show business star (T-shirts with the image of Bob Marley) or a sports star (Michael Jordan sneakers made by Nike), the name of a cartoon (Prostokvashino milk) or a brand (Ferrari blazers).

Types of marketing sources of passive income:

• personal website on the Internet;
• companies that use your brand on a commercial basis;
• own marketing system to solve any problem.

Legal

This is a type of passive income that some people can legally receive from others or from the government. The most famous example is pensions. But he's not the only one. Money is also received in the form of:

• subsidies and benefits;
• maternity capital;
• reparations;
• payments for obtaining a scientific title;
• assimilation payments (money received by immigrants in the European Union, Great Britain, USA).

Intellectual

Occurs when creating an intellectual product and further monetization. A striking example of the voiced type of earnings is information business: and then their subsequent replication and implementation.

You can make money on intellectual property by:

• technology and image patents;
• instructions, video guides, technical manuals;
• royalties for songs, books, film roles or slogans sold.

Sources of passive income + examples

There are quite a few sources for realizing passive income, and all of them require the presence or creation of an initial asset, which will generate profit in the future. It is impossible to make money without such an asset!

Investment

Investing money in financial instruments (sources) is the easiest type of passive income to enter. Its essence is that a person who wants to make money on investments must invest a certain amount somewhere in order to then make a profit from it. The form of such investment can be: shares, securities, startups, bank deposits. In this case, income will be paid in the form of dividends or interest payments.

You can also invest money in sources such as mutual funds, PAMM accounts, high-yield projects or certain segments of the economy of a country and earn significantly more money. However, there is a risk of “going into the red” or completely losing all invested funds.

Advantages of investment sources of passive income:

1. ease of entry and accessibility;
2. big profits;
3. some type of investment has government guarantees;
4. as a rule, they can be sold quickly and easily, with the exception of a separate part of the sources.

Flaws:

1. big profit - big risk;
2. there is no way to influence profitability;
3. too large a choice of possible investment objects;
4. without , investing will turn into gambling.

Internet

Anyone can make money on the Internet, since all that is needed is basic knowledge of marketing and a computer with access to the World Wide Web. At the same time, the chosen type of passive income can be created from absolute scratch, as long as you have free time and the desire to learn.

You can make money on the Internet in the following ways:

• By purchasing a website that already generates passive income. The cost of such a site is usually equal to the monthly profit it generates multiplied by 24 (2 years). That is, if the site brings in $100 per month, then it will cost $2.4 thousand. But it is worth noting that the process of reselling websites is often highly individual.
• By creating your own web portal and placing advertisements on the pages. In this case, it will take time to create a website, fill it and promote it. To reach the level of $500-1000 per month, it will take from 6 months to 2 years of intensive work. Then you can leave the site as is - the profit will decrease, continue to develop it - the profit will increase, give it under the management of third parties - the income will increase, but not very much, it’s simple.
• Having opened yours. You can post anything for the public to see - from analytical reviews to recordings of reading books.

Regarding the latter, this is the easiest way to make big money on the Internet. This source of passive income is great for anyone: designers, plumbers, makeup artists, carpenters, auto repair people, computer technicians, or those who have access to popular gadgets (sales workers, warehouse workers, repairmen). Because these people can create content for their channel without being distracted from their main work.

Pros of online sources of passive income:

1. minimum investment;
2. availability.

Flaws:

1. big competition;
2. There are high risks of failure if the approach is taken incorrectly.

Rent

This source is not available to everyone, since you can make money on it only if you have property that is relevant to the market. For example, real estate in the desired city, a car or modern household appliances. You can also make money by renting clothes.

Examples of rent amounts in Moscow:

• middle class car - 6 thousand rubles for 3 days;
• rental of a regular refrigerator - 3-5 thousand rubles per month;
• PS4 console - 500 rubles for 5 days.

What is important to know when renting out property:

1. Expenses should be calculated correctly. Payment for utilities, repairs, insurance and theft are the costs of the landlord, unless otherwise stated in the lease agreement.
2. Risk insurance. This is done at the expense of insurance companies or through advance payments and an agreement on compensation for losses if they are caused by the fault of the tenant.
3. Law. Rents are taxable.
4. Trust but check. You cannot give your property to everyone. It is necessary to verify clients at least by passport and phone number.

Pros of annuity:

1. greater profit if the property is relevant;
2. simplicity.

Flaws:

1. possible loss of property;
2. Large investments are needed if there is no free movable or immovable property.

Someone else's business

It's about making money from someone else's business as a shareholder, direct investor or new owner. With this type of passive income, the shareholder becomes a co-owner of someone else’s business, the investor receives the right to only part of his income (not always), and the new owner simply buys the company without changing management.

The advantages of this type of income:

1. potentially large profits;
2. the opportunity to become the owner of physical property;
3. there is an opportunity to find out the financial indicators of the investment subject;
4. You can get a guarantee in the form of a deposit.

Flaws:

1. the amount of income depends on third parties - managers;
2. There are high risks of losing money when investing in newly created businesses.

MLM or network marketing

If you need to create a source of passive income in network marketing, then you need to earn money not by selling goods or services, but by attracting sales agents (distributors, referrals) and those who will do the same as you. At the same time, you need to understand that this type of income is based solely on a person’s communication abilities and his appearance. Because without this, attracting “followers” ​​will be very, very difficult.

Approximate profit amounts for this type of earnings:

• coordinators working at Avon receive 10-50 thousand rubles, having about 10 thousand referrals;
• Desheli representatives receive about 5 thousand rubles per month with 2-3 thousand referrals;
• coordinators of banking agents receive 10-25 thousand rubles with 300-500 referrals.

There is only one advantage of network marketing - any housewife can earn money from this type of passive income. Among its disadvantages are the length of time it takes to climb to the highest levels of the network pyramid and very small fees at the start.

Smart product

For this type of income, you need to create some kind of intellectual product (book, song, technology, image) and patent it, after which it can be replicated and monetized. At the same time, it is not enough to create at least something; you need a product that people will like so much that they will want to buy it, since only in this case will you receive royalties.

For example, it can be stated that:

• authors of mediocre novels of 250 pages can earn 20-200 thousand rubles;
• You can earn nothing by patenting technologies, or you can become a billionaire overnight;
• the cost of lyrics for a song varies from 300 rubles to many hundreds of thousands of rubles (for hits);
• in the information business you can easily earn 20-500 thousand rubles per month.

The disadvantages of this type of income are obvious - a lot of competition and little chance of success. Pros - by creating something unique and relevant, you can receive passive income for several decades.

State

In many states there are certain categories of citizens who receive payments from the state budget as a monthly (annual) income. As a rule, these are financial obligations to pensioners and disabled people. However, there are other types of such obligations:

• benefits for the poor (USA, EU) - $500 per month;
• citizens living in unclaimed territories (Alaska, Detroit, Italy) - $1,500-3,000 per month per person;
• parents (guardians) for raising children (Russia, Spain, Czech Republic, Japan) - 100-1500 euros;
• unemployed (experiment in Finland) - 560 euros.

This is only a small part of those payments that states make “just like that.” If you want to find out whether you can make money from such payments, you will have to read the Civil Code or seek advice from a lawyer. I would like to note that the government takes a thorough approach to checking the issue of cash payments and it will not be possible to get the desired income on empty grounds, unlike the other methods listed above.

Summary

The famous Robert Kiyosaki, in his book on financial literacy, “Rich Dad, Poor Dad,” gave a very correct definition of wealth: “Rich is not the one who has a lot of money and real estate, but the one who can live happily without working.” In practice, this definition means that if you intend to earn a lot of money without spending most of your time resources and efforts on it, create sources of passive income. This is the only path to real wealth.

Get rich, live brightly and see you on the site!

Related Posts

To sell something you don’t need, you must first buy something you don’t need, and you don’t have the money. Passive income means receiving profit from previously invested assets. Here, assets are considered not only cash, but also your various opportunities that will allow you to receive passive income without money. What are these passive income business ideas? Read on.

You need to understand that in order to create passive sources of income with constant and stable profits, you need to work quite hard, think, and actively invest in the business. However, in any case, a correctly constructed passive profit scheme will “recoup” all previously invested funds.

Financial investments are the best passive income

Financial investments as a passive business became known immediately after the advent of money. Now, this type of passive business does not lose popularity, and is at the top of any list of ideas for a business with passive income. This type of business is simple - invest money and make a profit. However, this simplicity also brings with it disadvantages - financial investments are a highly risky type of business, in addition to risks, passive income directly depends on the funds invested and their amount, so 10 dollars will not bring 1000 dollars in a month (unless, of course, you want to get an honest and stable income).

Among all the possible investment methods, we highlight - investing in PAMM accounts. This is a fairly new way of investment with stable high percentages of profit on invested funds from 20% to 90% and minimal risks with a competent approach. You can read more details in a special article.

But, nevertheless, author’s development can cost money and generate passive income. We are not talking about creating a musical hit, a movie or something similar. Although, if you know how to do this... We will talk about copyrights for a computer program, information business or photography.

Computer program. If you have programming skills, can build algorithms and solve other extensive problems, you can write a useful program that other users will purchase for money; the more popular your program is, the more passive income you will receive. We recommend that you pay attention to the creation of programs and games for popular mobile operating systems - Android, iOS, Windows. Programs and games for these platforms have extensive monetization opportunities - from purchasing the program itself to built-in mobile advertising. As your mobile program grows in popularity, you will receive a stable source of passive income.

Information business. It's much easier here than in the previous method. All you have to do is apply your area of ​​knowledge in the right and necessary direction. How it works? If you have knowledge, then you can easily sell it in the form of consultations, information assistance and courses. You can sell them in offline business, which negates passivity - you need to travel, answer calls, etc. Or you can create your own information channel - paid periodic newsletters, webinars, participation in information sales platforms. With a successful combination of circumstances and the right approach, once created, the material can be sold endlessly, maintaining its relevance.

Read also:

Photo. Whether you have a talent for photography or not, but having learned it, you can sell copyright photographs many times through special exchanges. These can be thematic photographs - look at photo banks with desktop wallpapers, event photographs - news, etc., and spontaneous photographs - natural events.

Many news projects, publishing houses and other writers are willing to pay for a good photograph to accompany their material.

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 set aside 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.

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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 time 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.

Passive income is such income that does not depend on a person’s regular activities. The simplest example would be a deposit in a bank: it consistently brings interest to its owner. Regardless of the depositor’s age, illness or desire to go to work, interest will be accrued to him.

Active income depends entirely on human actions. To receive it, you need to engage in some kind of activity: produce goods, sell them, provide services, extract minerals and much more.

When expanding the concept of stable passive income, one should not forget about the risks. Using a deposit as an example, we can highlight the following risks for depositors:

• currency depreciation;
• bank bankruptcy;
• force majeure circumstances.

There are also a number of inconveniences: interest is accrued after a certain period of time (for example, once a month), and the invested money cannot be used until the end of the deposit period.

Therefore, before creating a passive source of income, it is necessary to take into account all possible risks of the activity.

Proven Ways to Create Passive Income

Before you create passive income from scratch, it is recommended that you familiarize yourself with existing methods of such passive income. This will help you see all the advantages and disadvantages of the main options for passive sources of income. The article will discuss effective and proven sources of passive income. They can be used as a basis for building your business.

It is necessary to take into account that, having a certain amount of funds, it is somewhat easier to build a source of stable passive income. Without money, you will have to spend your own time and effort to realize your dream.

Registration of business and delegation of powers

This is the most effective way to earn passive income. It has a minimum of disadvantages if the business is properly organized. To create it you will need the following:

• organization of the enterprise;
• business development;
• reaching a stable level of income;
• selection of a candidate for the position of manager;
• making a profit with minimal time spent on monitoring key documentation and making important decisions.

Of course, there are risks here. Among them, the main one stands out: the responsibility and integrity of the manager. The further success of the company or organization will depend on his daily decisions. To select a suitable candidate, they most often resort to proven personnel who have worked at the enterprise for a long time.

It's not easy to create and grow a business. This requires a lot of time, money and skills. However, there are many situations when a skillfully chosen niche for running a business allows you to quickly develop it.

What you need to start your own business:

• business plan;
• starting capital (in most cases);
• official registration;
• rental of premises;
• hiring employees (if required).

Any enterprise carries risks for the entrepreneur. No one can be sure that the activity will generally generate income and not losses. Therefore, you need to weigh everything correctly before creating your own business. If everything is done correctly, the entrepreneur will have success and the opportunity to receive passive income.

Selling your intellectual property

This activity option is suitable for those who have knowledge and skills in certain sciences or specialties. How to create passive income from scratch, having the opportunity to create popular information products? They need to be implemented.

What can be considered intellectual property:

• artistic, literary and scientific works;
• created unique industrial designs;
• developed software;
• invented objects or technologies in all sectors of life.

As can be seen from the list, intellectual property can be in any field of human activity. Passive income can come from either a written book or a unique invention that helps increase equipment productivity, for example. In order for property to be individual, it must be documented. For this purpose, patents are issued and copyrights are assigned. By owning them you can make a profit from the sale of your goods/services.

The simplest example for considering the option of making a profit would be a written book. The author of the book will sell copies of the books himself or by entering into an agreement with a publishing company. The owner of the rights will receive a profit from each book sold. If it is in demand, it brings profit. If it is in demand for a long time, it brings profit for a long time.

This doesn't just apply to books. Increasingly, people are resorting to creating various programs on PCs or mobile devices. One completed project can generate passive income until another, cheaper or more useful one comes on the market.

Accordingly, to create such a source of income, a person needs:

• come up with/create something unique and in demand for society;
• confirm your rights to the invention;
• realize the product of your activities.

Disadvantages: it takes a lot of work to create unique works/techniques/technologies; the property may be unclaimed and will not bring significant profit.

Building your own retail network

Such a network can provide its owner with constant passive income. All actions will be performed by network participants, and its creator will receive ever-increasing profits. To do this you need the following:

• create your own unique products (services are provided less often);
• formalize a production and sales enterprise or cooperate with a manufacturer;
• to interest those wishing to become members of the network;
• sell them to other network participants;
• form the price of the product in such a way that part of the profit goes to the owner of the network, and part to the seller of the product.

Anyone who wants to make money in such a network must sell these goods. The more he sells, the more he earns. The main key to success is high-quality and in-demand products at competitive prices. This could be anything from cosmetics to food, medical products or unique services.

The main difference from most network marketing companies should be the following:

• providing guarantees to all network participants;
• using only safe products;
• availability of contacts for communication with management and all comprehensive information about the activities of the organization.

These factors will increase sales and employee engagement.