8 Business Ideas You can Start with Zero or Little Money

With prices of goods and services increasing, it is no longer enough that we rely only on our 9-to-5 salary. Business is a good way to build up extra money to support your salary.

But, many are reluctant to do it because they believe they will need to invest a lot of money to get a business afloat. There’s also no guarantee it will work, which will be a huge loss in your budget.

Fortunately, there are business ideas that won’t need you to invest money or spend some to get it to work. If you don’t know where to start, here are 7 great ideas you can look into:


If you like to keep track of your budget, you may want to consider bookkeeping for others. Bookkeeping services include sorting out your client’s financial reports and their income statements.

You can use several invoicing and payment tools online to make the job easier for you to do. Some of them are even offered for free.

Search for Freelancing Bookkeeping Jobs here.

Virtual Assistant

Being a virtual assistant is one of the most popular forms of freelance business you can try out.

As a virtual assistant, you will help your clients with small tasks which they can’t do because of their schedule.

However, unlike being a personal assistant in the real world, you will be able to control your schedule and pay better. You also do your tasks online.

Search for Virtual Assistant Jobs here.

Affiliate Marketing

Another popular online business you can pursue is affiliate marketing.

You will earn commissions as you promote products and services and people buy it through your site. You only need a site and proof that these visitors came from your site through your statistics.

How to start Affiliate Marketing?


With the popularity of startups now starting their business online, they are looking for product testers or reviewers who can test their products.

Once they tried the products, they can review it and get paid for it. If you own a blog or a website, you can review all sorts of products and charge for these reviews.

How to become a reviewer?

Pet Sitting

If you love animals and won’t mind taking care of them for others, why not open a pet sitting business?

You can start the service for your family and friends and charge based on how long they will stay in your care. As your business grows, you can get people to help you out.

Search for Pet Sitting Jobs here.


Know your way around various subjects and can teach others well? Online tutoring is a great business you can start with the help of various tutoring platforms.

You can charge based on how long each session will take and what subjects you can teach. You can do the service through secure tutoring platforms.

Search for Online Tutor Jobs here.

Cleaning Services

If you like to clean and have a bit of funds to get the right equipment, you can start up a cleaning service. You can start your service by cleaning your friend’s houses and move from there.

As you build your portfolio and earn money, you can offer special cleaning services like deep cleaning and full cleaning.

Social Media Management

If you know your way through social media, being a social media manager is the way to go. You can help clients create social media campaigns that will get them more followers and sales.

Search for Freelancing Social Media Management Jobs here.


You’ll be surprised that you actually can be a recruitment manager without leaving the comfort of your home.

I am currently a recruitment manager for a Shanghai global publishing company and I am in charge of bringing in hundreds of new applicants in different positions every month.

And yes, I work from home in my pyjamas!

If you need someone to assist in recruiting freelancers for you, call me!

Search for Recruitment Jobs here.

There are a lot more businesses and gigs you can try out that won’t require you to invest money. You can start off as a one-person side gig to grow into smaller team and perhaps one day, propel into a huge organisation.

So, if these ones we listed above doesn’t work, check the other businesses out there that won’t cost you a lot to start. Good luck!

If you are a writer, don’t be dismay we did not feature writing jobs. Here are some articles written just for us, writers:
The Price Of Ghostwriter
Freelance Writer vs Blogger
10 Writing Jobs That Pays For Real

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12 Comments Add yours

    1. Kally says:

      Thank you for sharing this out.


  1. Judy Kim says:

    Thank you for this helpful information, Kally!

    Liked by 3 people

    1. Kally says:

      You’re welcome, Judy!

      Liked by 1 person

  2. ED says:

    Great ideas

    Liked by 2 people

    1. Kally says:

      Thank you, Ed.


  3. Very interesting! I hadn’t heard of virtual assistants before, but that does sound like a good way to make money without a lot of investing or even commuting. So many people are busy these days!

    Liked by 1 person

    1. Kally says:

      Precisely! It’s a good way to handle work from behind the screen in your pyjamas. Lol.

      Liked by 1 person

  4. Patty says:

    Great list, dear Kally. Online Coaching/Counseling doesn’t require a huge investment either 🙂


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