how to make a living online for real

How to Make a Living Online: 8 Real Life Examples For Anyone Who’s Doubtful

In order to keep this site going (at no cost to you!) this guide may contain affiliate links. All of the products mentioned have been used and personally tested by me!

how to make a living online for real

The idea of how to make a living online with blogging is often met a stigma attached to it. This is a sad, but true fact.

It continues to be fueled by hypocritical answers and certain information that’s withheld in success stories you read across the web.

Learning how to make a living online isn’t difficult. In fact, anyone with a computer and internet connection can start. However, making an HONEST living online is a completely different story.

Still, I’m determined to bust through the myths that you either have to make a living online by selling your soul or working yourself to death.

I have personally overcome both of those misconceptions and am averaging $8,000 a month in revenue from this blog.

What it really means to make a living online

Before I explain the different methods for how to make a living online, I first want you to understand that there are actually several completely different paths you can take as a business owner.

Become a blogger

A blog is one of the best ways to display your work as a freelancer. It’s literally a living, breathing portfolio. Obviously, this is the route I’ve currently decided to go in.

I started Careful Cents as a reflection of a personal writing style, relationships I’ve formed with brands and expertise as a past accountant.

Establish a brand

This can come in the form of a personal brand, as exampled by Mariah of Femtrepreneur, or a company brand, as detailed by The Write Life.

Both of these brand-building routes are good choices, and offer the capability to increase your popularity, authority, and income, as an entrepreneur.

Build an empire

With this method you’re basically becoming a serial entrepreneur who experiments with several different niche sites, startups and other income stream opportunities.

However, according to my research and personal experience, it takes an average of 3 years before entrepreneurs turn a profit from their entrepreneurial efforts. A great example of this venture is my friend Matt, from, who works on multiple income experiments every month.

Let me be clear, there are no right and wrong ways for making a living online. There are only right and wrong ways FOR YOU as an entrepreneur. If it doesn’t feel right, don’t do it.

No matter how many ethical ways other entrepreneurs spin it, or how many case studies they publish to prove it works, it has to work for you to be effective.

There are dishonest people all over the internet (and among my blogging friends). This should not come as a surprise to you. Even well-established bloggers are hiding the fact that they earn money in an unethical (selling-out-their-soul) kind of way.

But that’s up to them. I’m not here to judge what others do.

I simply reveal the real truth of what it REALLY takes to earn an honest, and ethical, living as an online entrepreneur.

8 examples for how to make a living online

There are lots for learning how to make a living online. I’m showcasing the best ones based on my personal experience (through experimenting) and what I’ve seen my fellow colleagues/friends test.

Some of these methods allow entrepreneurs to earn thousands of dollars every month, while others only make a few hundred.

It takes a lot of time, energy, and financial resources to get a new business off the ground, but the reward usually outweighs the sacrifice.

Here are 8 case studies (in no particular order) that prove you can earn money online without selling out.

1. Freelance blogging

As I mentioned earlier, freelancing is the quickest way to earn money. The only downside is that you’re often trading time for money — unless you do it the way that Holly has perfected.

Holly Johnson is a fellow freelancer. We’ve met up at conferences and chatted over email. Her and her husband are avid travelers so we’re all trying to balance a business while being location independent.

Plus, she’s the breadwinner for her family too!

Furthermore, she’s very open and honest when it comes to her freelance writing work, clients and her process. She really knows her stuff and isn’t just a freelance writer who writes about writing. HA!

  • Name: Holly Johnson, Club Thrifty
  • Method of monetization: Freelance blogger, course author and teacher
  • Monthly income: $25,000+
  • Age of business: Nearly six years (launched in 2011)

Earn More Writing | A Course for Online Freelance Writers Price: $149 Learn how to find freelance writing jobs that pay so you can earn the money you deserve.

2. Direct advertising

Offering direct advertising on your blog or website is a great money-making method once you’ve established a solid online brand. You usually need to have quite a bit of traffic (in the form of pageviews) before brands will want to fork over money.

It’s also a lot easier to request a decent advertising rate when you build a separate company brand (a brand or business that isn’t focused on you as a person), versus a personal one.

Alexis Grant is the creator and founder of The Write Life (who I mentioned above). It’s a multi-contributor website that focuses on resources for published authors and writers.

Her team began experimenting with direct ads last year and now earns up to $2,000 a month from displaying banner ads. They are very particular with what brands/ads they agree to work with, so the resources are something their readers will find helpful.

I personally chose not to go this route because I didn’t want to clutter up my blog with banner ads.

I do, however, occasionally accept brand sponsorships (from brands I work with directly) to display an ad in my weekly newsletters.

  • Name: The Write Life
  • Method of monetization: Direct advertising and banner ads
  • Monthly income: $500-2,000
  • Age of business: Nearly four years (launched June 2013)

3. Coaching or mentoring

Business mentoring, life coaching — whatever you identify with — coaching offers the chance to make decent money while offering guidance and helping people.

I never thought of myself as a mentor, and never wanted to identify with the term “coach”, but over the past year I have embraced that title, as more and more go-getters reach out to me for mentoring.

Depending on what level of experience you have, and your reputation, coaching can pull down $1,000 per session, or more. (I personally know several business colleagues who charge this rate.)

I want to focus on more realistic numbers, and this is something that my friend Amanda Abella has been able to achieve. She’s an awesome coach, and author, who mentors millennial entrepreneurs to take control of their money mindsets and fall in love with their finances.

We’re a kindred spirit in the money realm — I’m sure you can see why we’re friends.

  • Name: Amanda Abella
  • Method of monetization: Coach and author
  • Monthly income: $6,000+
  • Age of business: Six years (launched in 2011)

4. Brand ambassador and sponsorships

You know those people who give out free samples of food at places like Whole Foods? They aren’t volunteers. The company is paying them to give out free stuff in hopes they can raise awareness about the food and sell more bags/boxes.

This is the simplified definition of what it means to work with brands and become a brand ambassador.

In fact, the hubs has been a brand ambassador for Organic Valley and traveled around the state giving away coupons and free milk. The company paid him for his time (6 hours a day), food, and lodging for 3 days.

Sounds too good to be true, right?

And how does this apply to an online business? My friend Shannyn, from Frugal Beautiful, has perfected the idea of working with brands.

She’s worked with Payless, Kohl’s, CVS, and tons more companies to get hotel stays, beauty products, clothes, shoes — all for free. It was her guidance that helped me earn my first dollar working with brands like E*TRADE, TaxAct, and Lifelock.

  • Name: Shannyn Allen, Frugal Beautiful
  • Method of monetization: Brand ambassador and sponsorships
  • Monthly income: $4,000+ (plus loads of free stuff)
  • Age of business: Six years (launched January 2011)

Click here to get started earning money by working with well-known brands as an ambassador.

5. Selling digital products

In the beginning stages of her freelance career, Gina Horkey was a coaching client of mine. We worked together several times a month for just over a year.

In that time I helped her start craft her first online product, helping freelance writers. Since then she’s also started a virtual assistant course + finder program, as well as partner up with another freelancer to teach others to become Pinterest VAs.

Doing this has allowed her to grow her collection of products enough in order to quit her full-time job! Now, she earns enough money to support her small family.

She mentors and teaches other freelancers how to get started, find clients and make a living online.

30 Days or Less to Virtual Assistant Success Price: Starting as low as $117 Choose from two convenient pricing options that are budget-friendly!

6. Requesting donations

The donation model is a much lesser-known way to make money as a blogger or creative. One of the first trail blazers to go down this path is Maria Popova, of Brain Pickings.

She makes thousands of dollars a month from readers who love her work and want to continue reading.

My good friend (and accountability partner) Steph Halligan also went this route. Her passion project, Art To Self, is less than 6 months old. But it already brings in several hundred dollars a month in donations from loyal fans and readers.

She produces daily inspirational comics, delivered via email, and people are eating it up. If you have a creative side, and want to share your art with the world, consider the donation model as a smart way to earn a full-time living online.

  • Name: Stephanie Halligan, Art to Self
  • Method of monetization: Donations
  • Monthly income: $1,200+
  • Age of business: Two years (launched January 2015)

7. Private membership subscriptions

The ladies who run One Woman Shop are truly inspirational. They each have separate businesses but have partnered up to build an amazing brand and business.

It’s taken a lot of time and effort on their part, and they are still trying to turn a decent profit.

The reason I’m showcasing them is because not all brand-building endeavors should be entered into with the sole idea of making money. Sometimes it’s about making a difference, changing lives, connecting with others, or even personal fulfillment.

These benefits often outshine any amount of money.

They’ve built an incredible community, that’s both supportive and full of valuable resources.

As a female entrepreneur myself it’s nice to know that other female business women get where I’m coming from, and are happy to support my ideas.

  • Name: Sara + Cristina, One Woman Shop
  • Method of monetization: Membership forum and private group
  • Monthly income: $1,500+
  • Age of business: Nearly four years (launched July 2013)

8. Affiliate marketing

I personally love affiliate marketing. Being the accounting person that I am, I really like the reporting, tracking, and income potential that affiliate marketing brings.

It’s actually one of the first ways I monetized my blog when I made the decision to turn my blog into a business.

I’m by no means an expert but I make around $2,000 a month from affiliate sales (most of which come from honest reviews of products like, QuickBooksFreshBooks and Betterment).

My friend and fellow blogger Michelle Schroeder-Gardner, from Making Sense of Cents, is someone who has been very successful at affiliate marketing.

She currently brings in about $55,000 a month from affiliate links.


When someone clicks on her link and makes a purchase based on her review or recommendation of that product.

Making Sense of Affiliate Marketing Price: Starting as low as $105 Grow your income with affiliate marketing from someone who's proven formula works!

Now that I’ve peeled back the curtain showing you exactly what it takes to make a living online honestly, I want to hear from you.

How do you make a living online?

Are you still experimenting with the best monetization method? Or have you come across a solid income plan?

Want to learn exactly how to make a living online? This post explains 8 real life examples and case studies of various income streams, to prove that you can earn a living honestly!
Want to learn exactly how to make a living online? This post details multiple case studies, and various income streams, other successful bloggers have created with their websites.

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  1. Oh my gosh! Thank you for mentioning me! You’ve actually been a massive inspiration to me these last few months as I take a step back to rebrand and strategize! One thing I noticed work for me was writing for clients that helped me build my own brand and establish me as an expert. It’s almost like getting paid to promote myself in a way. I’ll probably write until the day I die anyway so why not haha. It wasn’t even a strategy I consciously thought of but it works! BTW Michelle is my new hero lol.

    • Carrie says:

      The feeling is definitely mutual, like I mentioned in the article! 🙂 I know that we share a similar passion for helping people and, of course, writing. I will likely always be a writer/blogger too. I just love it! Also totally agree with you about Michelle — she’s rocking it.

  2. Kirsten says:

    I briefly thought, a long time ago, about accepting donations on my site but I couldn’t get over the feeling of “asking for a handout”. I like how you mentioned this might be best for the artsier blogs; I agree.

    Love this post – I love seeing how other people are making money. I haven’t yet figured out how to hit that stride.

    • Carrie says:

      I also struggle with the mindset about donations simply being a way to ask for a handout, but the way these creatives offer art/value in exchange for a donation makes it worth it. The idea has definitely changed in my mind!

  3. Grayson says:

    Good one Carrie! I always wanted to focus on affiliate and it’s still part of my model, but I’ve since switched to the service model. Blog management gives me a better sense of accomplishment. It’s knowing I’m directly helping someone that gives me the most pride in what I produce.

  4. Ali says:

    So many good ideas here! Love the examples. It is really inspirational to see people who have actually made these techniques work!!

  5. Gina Horkey says:

    Awesome post Carrie! Thanks for including me:-). I’m happy to answer any questions on my business model. You have been AMAZING in helping me get where I am:-).

  6. Lisa McKay says:

    Awesome post, Carrie. This is something I’m really starting to think a lot about. I launched Modern Love Long Distance to help long distance couples about two years ago now. Traffic is up above 1000 views a day and starting to climb fast, and I’m really starting to think about how I can use that to both help people and earn some more money from what started as a passion project. This has been very helpful.

  7. Tracey says:

    Thank you for taking the time to provide such an informative and helpful post. As someone who will be launching my site Bold Bright Life in a month, this is encouraging.
    warmest regards,

    • Carrie says:

      I love the name of your site, Tracey! If I can help you in any way, through monetizing or other business questions, let me know. Good luck with the launch!

  8. Dane Hinson says:

    What a great post. I’m just getting started into blogging. Really I am just a passionate finance nerd that needed a creative outlet. Reading this made me realize that I need to consider the brand and potential for blogging to be a viable long-term business.

    • Carrie says:

      I can relate to where you’re at, Dane. I started this blog as a way to keep myself accountable and pay off some debt I ended up with after a bad divorce. It took me nearly 3 years before I decided to turn it into a brand and monetize it. I wanted to do it the right way and up until that point it just didn’t fit my goals. So there’s no rush! Just make the move to long-term business when you’re ready. 🙂

  9. Kennedy says:

    Great work Carrie. It has been inspirational to me as a freelancer and to many more others. The blog has for real expounded my level of knowledge and understanding on how one can become very successful doing only online work. It’s a good idea also for those who have never been in the online working platform before as it will open new ways in which they can earn more funds.

  10. Chella says:

    At first, I had a lot of doubts about online jobs especially blogging. But, it’s true, so long as you have exceptional writing skills and love what you’re doing, you can actually earn and do what you love to do at the same time. I would like to try some of the great tips shared here too.

    • Carrie says:

      I’m glad I was able to turn your doubt around with making money blogging. I was in the same boat as you when I started my blog. I didn’t view it as a way to make a living, or turn into a career, but as I’ve grown as an entrepreneur I’ve been able to do just that!

  11. Rahul Yadav says:

    What a great post. Making money online is not that really easy. The methods you have shared is really useful specially for those who are just starting to make money online. I have applied some of your methods and it really help me alot.

  12. Jeri says:

    Fabulous!! I have been struggling on how to start a subscription service for a database I maintain as well as a hire me / Consulting button on my website. I am looking forward to setting up coaching sessions. You are so helpful, Carrie!!

  13. Cora says:

    Thanks for the great info. I’m a single mom and no job at present. I’m looking for a way to earn online. Please help how to start being an affiliate marketer. I’m 62 years old a newbie in internet.

  14. Bardin Summerall says:

    Your blog has given me great insight! I’ve never looked to earn a living online however, now it has become necessary that I work from home. My questions may appear rudimentary. Can a business like this be started from my iPad? it’s all I use after my iPhone. If not I have no idea what type of computer to use or printer Is it best to have a hardline for a home phone? These questions seem to be common knowledge to me though I’m a little older then some and retired. Lots of time and would like to learn and earn about $1500 a month to play with.

  15. Micah Buzan says:

    I’ve been making music videos for bands, but I’d like to set up a 2D Animation course to sell online as a form of passive income to potentially eliminate client work.

    Thank for sharing these insights and different methods for earning online!

  16. Natasha Evans says:

    I make money online earning different streams of income. I am aiming to earn more as a freelance writer too. Could you suggest ideas on starting a freelance writing career. I have a WordPress Website and write for a greeting card company. Thank you for the advice. I enjoy poetry, writing on family, music or entertainment. Thank you.

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