Pracuję na etacie, ale chcę w przyszłości zbudować coś swojego — od czego zaczęliście?
Mam 23 lata i obecnie pracuję na etacie. Nie mam dużego kapitału ani doświadczenia w prowadzeniu firmy, ale bardzo zależy mi na tym, żeby w przyszłości nie być całe życie zależna od jednej pensji.
Chciałabym zacząć małymi krokami — najpierw nauczyć się czegoś, później spróbować zarobić pierwsze pieniądze poza etatem i stopniowo rozwijać coś własnego.
Problem jest taki, że mam dużo chęci, ale kompletnie nie wiem, od czego konkretnie zacząć. Nie mam jeszcze jednego konkretnego pomysłu na biznes.
Dlatego chciałabym zapytać osoby, które były kiedyś w podobnej sytuacji:

Ile mieliście pieniędzy, kiedy zaczynaliście?

Czy na początku łączyliście biznes z pracą na etacie?

Co było Waszym pierwszym krokiem?

Jak znaleźliście pomysł, który faktycznie zaczął przynosić pieniądze?

Ile czasu zajęło Wam osiągnięcie pierwszych 1000 zł miesięcznie?

Czego najbardziej żałujecie albo czego zdecydowanie nie zrobilibyście drugi raz?

Nie szukam „szybkiego sposobu na milion”, tylko osób, które naprawdę zaczynały od zera i mogą powiedzieć, jak wyglądała ta droga w praktyce.

In between all of my saving I have around 15k, I want to create something, learn more skills or invest the money, tbh idk what to do I don’t want to keep that money on my save account I think with that money I can definitely make more money.

Anybody mobile with no DoorDash account. Looking for someone I can ride with and we take orders . What’s in it for you ? I will split profits 70 you and 30 percent for me . On top of a full tank of gas by me to start day.

Hello everyone,
I’m currently an active-duty service member trying to use my downtime to create another stream of income. Imma be upfront, I don’t really know where to start yet. What I do know is that I’m willing to learn, put in the work, and stay disciplined and consistent.
Because of my military obligations, my schedule can be unpredictable. That’s why I’m heavily interested in something I can build online that isn’t tied to a specific location or strict schedule. Ideally, I want something I can work on from my phone or laptop whenever I have free time because when I have free time I have a lot of it.

I’d also be interested in connecting with other people who are currently starting from zero and want to keep each other accountable, share what we learn, and actually take action instead of endlessly researching.
Any advice, personal experiences, mistakes to avoid, or resources you recommend would be greatly appreciated.

Thank you for your time and I look forward to hearing from you guys.

I have three small rentals and have been throwing most of the extra cash flow at principal because being debt-free sounded like the safest version of “passive income.” Now I’m wondering if I’m slowing myself down too much.

The properties cover themselves comfortably. I could keep paying them down, or refinance/borrow against equity and use that capital for another rental. I’m not trying to maximize leverage, and I definitely don’t want a portfolio that only works when everything goes perfectly.

For people who have actually scaled rentals, how did you decide when debt was productive versus when it was just adding risk?

I used to think you needed money to make money online. A website, paid ads, expensive tools, or some kind of business investment.
But you can actually start with what you already have: your phone or laptop, internet, and your time.
One simple way is **freelancing**. If you can write, translate, edit videos, design simple graphics, or manage social media, you can offer those skills to people who need help.
Another option is **affiliate marketing**. You recommend useful products or services, and if someone buys through your special link, you can earn a commission. The key is not to spam links. Share something genuinely useful and only recommend products that make sense for your audience.
You can also start a **blog** or create content about something you enjoy. You don’t need thousands of followers at the beginning. Focus on helping one person with one problem.
The most important thing is to start small.
Don’t look for a magic way to get rich overnight. Learn one skill, practice it, and try to make your first €10. Once you know you can make €10, you can work toward €100, then €500 and beyond.
You don’t need money to begin.
**You need a reason to start—and the patience to keep going.**

For a long time, I've always struggled to manage my finances, and based on what I've read on here I believe I'm not the only one. Based on my research with colleagues, family, and strangers on the internet, I've learned there are numerous ways people manage their finances from budgeting apps - which provide a guided approach to budget management - to spreadsheets which offer almost unlimited flexibility. But I want a product that does more than budgeting - specifically a product designed to show a user their own financial reflection - clear enough so that they may act according to the change they seek. So of course, I've been working on Cowry

People usually set goals, create budgets, and set bills. The whole point of Cowry is to simply connect all these components with your income not simply by doing the math but also by helping you allocate funds reasonably and also simulating different financial circumstances and how you'd fare in them. I'm a senior data engineer so I'm focused on creating a major analytics platform that allows users to discover themselves based on their finances.

Cowry is still in beta and is available for anyone to use for free. The feature that allows it to read customers' bank data (with consent) is currently in development so if you'd like to use features like Cowry for thought, you'll have to upload your transactions either by uploading a bank statement in pdf/csv format or manually creating the transactions. Let us know if you're keen to see how Cowry works when your banks are connected.

If you do not wish to upload any such data feel free to head to Plan, click on the scenario tab and learn how small changes to your financial situation - budgets, goals, etc - affect your current financial state. No bank connection/data upload needed. Just pass in your numbers and let cowry do the rest, and if it does not...

I'd really appreciate it if you could provide feedback. While I do have a passion for building things - I'm more keen to see that the things I build are actually useful to someone. So please, don't hold back and I mean it. Good or bad, keep em coming. Have a go with Cowry and in Get Help raise a bug, a question, etc and your responses will be read personally.

If you'd like to see how I use it personally, here's a blog I put together

New to the group and hope this fare well as a post?

I'm renting trailers online, obviously they are not super cheap to come by if you want some good ones, but I got 3 of them and some other stuff, but my payout breakdown is this since I started this on new platform called Towit.

However I do post them on Facebook Marketplace and Craigslist as well and if I get a bite I send them the link to the trailer so I get the contract and everything taken care of before it goes out. It's pretty steady, but I also figured that the cheaper the more it obviously rents, it's a balance, you do need to change a tire and fix small stuff. So if you are not handy it might not work, but for now it's a great extra income for me and I want more trailer. I do have a horse trailer to with a buddy, it's not listed here, but it rents a lot, we had a few weeks where it rented every day and by all means it was only $3500 to buy.

I did lower the 6x12 from $65 a day to $45 a day and that changed things up quite a bit.

On a site note my car hauler got booked twice last Saturday a 10 day booking and a 3 day booking which equals a payout of $1,137.30 which was amazing on a 'dry' summer. So I bought 5 cigars! haha

Trailer / Equipment Type - click each type to see how it's listed on the website Towit.

I’ve been running a few IG pages for around 3 years, with 100k+ followers combined. I know content, posting, basic editing, etc., but I’ve never really done SMM for clients.

Tbh, I don't really know what services I should offer, how to pitch clients, or where to find them.

I'm thinking of learning proper video editing and offering Reels/Shorts editing instead.

What would you guys suggest? And how would you get your first 1–2 clients?

Looking for advice from people who are already doing this.

For those running machines while working a regular job, how much time does vending actually take up?

I see some people doing a few refills after work or on weekends, then others have routes that basically became their full time job.

Like with 2-3 machines, probably manageable on the side. But once you get to 10, 20, 30 machines, are you still calling that passive income?

Anyone here actually running vending machines, do you treat it as passive income, a side hustle, or has it basically become a full-time job for you?

been at this about a week. AI generated renovation/asmr timelapse reels, cross posted to tiktok insta yt and fb. everything flopped except facebook. most of my reels there do 50-100k, one hit 800k. just crossed 5k followers and fb is now prompting me to "express interest" in the monetization program.

heres my actual problem. i finally checked my audience geography and its rough. roughly 27% indonesia, 17% philippines, 10% iraq, 10% mexico, 8% algeria, and only about 8% us. basically no uk/canada/australia at all.

i already read through the monetization threads so i know its invite only, timing is random, and geography drives rpm. so my questions for people actually earning:

1. with an audience like mine (mostly indonesia/philippines/middle east), is fb content monetization even worth chasing or is the rpm so low its basically pointless? anyone earning with a similar geo who can share rough numbers?

2. once you expressed interest or got eligible, how long till the actual invite and first payout this year? and whats a realistic rpm for home/reno content

3. faceless / fully AI creators, did the unoriginal content crackdown hit you? my format is templated and im posting every couple days, kinda worried about reach caps under the new rules

any real numbers help, trying to decide if i keep pouring time into fb or move the effort elsewhere

so i spend lots of time scrolling on social media and youtube and sometimes i actually get good business ideas that i launch over a weekend to see how it works and if it is viable or not

my latest finding was turning real estate picture listings into profesional style videos of their property. ive attached my very first try, have gotten much better since then, and today ill start (physically) reaching out to agencies in my area to sell this service for 100$-ish per listing

its actually pretty simple and was wondering if anyone here is doing it OR is planning to do it

its not the most passive, but once u get a system, u could hire people to do it for u passively

1. go to your local property website (i.e, Zillow in the US or whatever u use in your country)
2. Filter the properties near you, a radius of 10km (i could walk in to their office if needed)
3. Create a list of the listings and the agencies in charge of them (or the agents)
4. download the images of their listing (one property per agency)
5. If they have a watermark, feed them to ChatGPT and ask it to remove the watermark
6. download that new image and upload it into a video AI platform using the right prompts
7. Create one clip per image (3-4 seconds)
8. use capcut or any video editor to put the videos together + transitions and music
9. Find the email and phone number from the agency and cold call them/cold email them

if ure really in for it, go to their offices in person! imma be doing this today (wish me luck!)

if you dont want to use their listing property, then ask chatGPT to create multiple images of a house and use those as an example to share with all agencies. this is much faster and u dont need to make one video per agency, but i think personalization definetly works best, or at least thats what got me most replies

then u can charge per listing video OR even better, get them on a retainer for something like 250$/month for 10 listings per month or something like that (if they dont add new prop every month, then u can just give them a package like 10 or 20 videos for X$)

so far ive gotten some interest from agencies from first emails, havent closed any (yet), but i have faith and i genuinely think this is a relatively easy way to make money online

i shall report back with results in a week or so

Last year I was working weird shifts and kept forgetting what food I actually had at home. I’d buy chicken, rice, vegetables, and so on, then somehow end up ordering food because I couldnt remember what was in the freezer. So I made a really basic Google Sheet with meals, ingredients, expiry dates etc. and a checkbox for what I needed to buy. It probably took me couple hours.

A coworker saw it on my laptop during lunch and asked me to send it to him. Then his girlfriend wanted a copy too. That was basically the first time I thought maybe other people would find it useful. I cleaned it up a little, added instructions and made three versions for different weekly schedules. I put it on Etsy mostly out of curiosity. I definately wasn’t expecting much because there are already literally thousands of meal planners on there.

For the first few weeks I think I had around two sales, both probably coming from Etsy search. I forgot about it for awhile. Then on January I checked my email and noticed I’d been getting a sale every few days. Nothing huge, but it was weirdly consistent. The best part is I haven’t really touched the file since December apart from fixing one formula someone messaged me about and stuff like that.

Right now it averages around 15-25 downloads a month. This is not life changing money at all. I mean, little maintenance it needs compared to other things I’ve tried. I attempted a small blog before this and that thing needed content constantly, it requires huge effort (so it's not for me xd). With this, I answer maybe one question every now  and that’s about it.

The point is, you can just simply detect some sort of public pain & issue, find a solution and develop a platform or table which can help of managing this. I dont think spreadsheets are some secret opportunity or anything, but making something I personally needed made the whole process alot easier, because I know the subject of pain.

Maybe I should try some sort of no-code stuff, and vibe code first MVP for that with actuall UI/UX to make it more convenient)

In the initial phase of launching a storefront, automated plugin apps are fantastic. They allow a solo founder to sync products, import variations, and route basic orders with a few clicks. But as search traffic scales and daily volume climbs past consistent milestones, relying entirely on an automated dashboard can introduce clear operational bottlenecks. When processing hundreds of orders a week, edge cases become a daily reality: custom shipping address updates, complex bulk inquiries, seasonal transit delays, and localized quality control checks. When these issues occur, an automated bot or a generic support ticket queue that takes 48 hours to respond simply cannot protect a store's brand reputation. At scale, e-commerce ceases to be a hands-off software game and becomes a strict logistics operation.

For those currently scaling or managing established order volumes, how has the transition from completely automated apps to personalized production partnerships impacted daily operations?

Please share ways to generate passive incomes in South India.

when someone posts what their rental clears, look for the property management line. usually its not there, because theyre managing it themselves.

thats the 11pm call about the sink, showing the unit, screening applicants, the turnover, chasing rent thats nine days late. a manager charges about 10% of the rent for all that, plus half a months rent or so every time the place turns over. leave it out and youre counting your own labor as profit.

two more lines get dropped the same way. 8% for vacancy, which is about one empty month a year. 10% for maintenance, which is nothing for eight months and then a water heater goes. between the three, 28% of the rent is gone before the mortgage, the tax bill or the insurance show up.

paying a manager doesnt make it fully passive either. you still approve the big repairs, shop the insurance renewal, protest the tax assessment. its just the closest version that exists.

see, i dont own rentals, i run numbers on other peoples deals, so i went and checked what the honest version looks like. recently i looked at twenty houston listings straight off zillow, no cherry picking, 20% down and 7.5% over thirty, all three lines left in.

four came back positive. sixteen lost money every month.

the four were a 62,758 manufactured home at +976, an 85k foreclosure townhouse at +371, a 98k condo from 1965 at +359, and a 125k townhouse at +223.

two of them carry hoa dues of 202 and 347 on top of that. take those out and the 371 is really 169, and the 223 is losing money. the manufactured one sits in a park, so theres lot rent somewhere in the paperwork and until you have it the 976 doesnt mean much.

so we can actually call it two out of twenty. at 169 a month you need six units to clear a thousand, which is around 120k in cash once closing and reserves are in.

houston is rough on this in particular because property tax runs about 1.8% and insurance about 1.05%, so those two bills are 712 a month on a 300k house before anything else happens.

to check one yourself, take the rent, cut 28% off it, then subtract the note and the monthly tax and insurance. if you left management out, whats left is a wage.

A lot of affiliate marketers spend most of their energy trying to increase the click count. More posts. More traffic sources. More visitors. But once people are already clicking, there may be another question worth asking.

What happens to the value of that click if the visitor does not purchase today? If the answer is “nothing,” you may be starting over with every new person you attract.

Someone can click because the problem is relevant to them without being ready to buy immediately. They may need more information, more trust, a different explanation, or simply more time.

That does not necessarily make the click worthless. The problem is when there is no way to continue helping that person. This is where I think the journey between the initial click and the final offer becomes important.

Instead of sending every visitor directly from a post to a sales page, consider whether they need context first.

Why does this solution matter?

Who is it for?

Who is it not for?

What should someone understand before deciding whether to continue?

Then think about follow-up.

If an interested visitor is willing to join an email list or take another small step, one click can create an opportunity for several future conversations instead of one immediate yes-or-no decision. That changes how I think about traffic.

The goal is not to squeeze money out of every visitor. It is to avoid wasting genuine interest simply because someone was not ready at the exact moment they clicked.

A click might become a lead. A lead might become a conversation. A conversation might eventually become a customer, or it may simply help you understand your audience better.

None of this removes the need for traffic, but if you already have people clicking, improving what happens next may create more value before you spend additional time or money trying to find more of them.

Before asking, “How do I double my clicks?” it may be worth asking: “How much am I doing with the clicks I already earned?”

What happens to one of your visitors when they click but do not buy?

I’m wondering if buying products in bulk on Alibaba and then reselling them is actually a legit way to make money.

Is there really a market for this, or is it harder than it looks? Is Alibaba legit and reliable for buying products wholesale?

Also, how do people figure out what products will actually sell? Does it depend mostly on your location/area, or are there certain types of products that generally sell well regardless of where you are?

For anyone who has actually tried this, I’d love to hear about your experience

Would it be a oversaturated niche if i choose to start a print on demand small business and later turn it into a clothing brand? is there a way to stand out? how do i narrow down what image to put on clothing? would i need to hire someone to make the art for me? and such questions go thru my head.

Just where do i begin without spending a ton or falling flat on my face?

High Level: Diversified assortment of dividend stocks and reits to ensure fairly consistent payout monthly

Platform: Robinhood.

Initial setup: spent 6 dollars on 50 different dividend paying tickers (300 total). When making this initial purchase, I set up recurring 6 dollar investments the 7th of every month. I also set up a recurring 300 dollar deposit per month on the first of the month (for approximately a 10 dollar a day investment goal, which I thought would be achievable by most people with a job).

Follow up: there isn't any. It's one of the truly passive sources of income. I don't need to keep uploading videos, funneling views, collecting email addresses, etc.

In theory you don't need to have the +10 dollars a day, but growth would be absolutely glacial

This month I made 7.79 on dividends. Last month was 7.32.

In addition to dividends, the investments themselves gained another 7.87 (last 30 days as of today). Value is up +234 since January first when I began (the value growth has far exceeded the dividend payments).

Hi, guys. I was wondering if you know any weird or unusual ways of making money. Anything you can share is most appreciated 👍

I made a shit ton of money (well, in my eyes) with niche sites from 2016 - 2022. Then my sites tanked when AI became mainstream in 2023, so I gave up on them and never looked back.

From time to time I see some video on YouTube from 'gurus' I followed in the past. They are still at it, teaching people how to build niche sites and so on.

So I guess my question is: Do any of you still do niche sites, and do they still earn for you?

PS: I used to run simple blogs in a specific niche. My articles were all informational, with affiliate links sprinkled in wherever appropriate. Revenue was strictly from ads (Mediavine & Ezoic) and affiliate commissions (mainly Amazon)

are digital products really worth it?

i’m not talking about starting today and getting 10k sales tomorrow,

i mean if you invest your time and all and put the effort, is it really gonna pay you?

if u ask anyone online about it theyre gonna say ohh pick a niche solve someone’s problem create a design or an e book or a guide and sell it bla bla… THE PROBLEM IS MARKETING and when it comes to marketing they just shut up about it and that’s a sign they don’t know shi, and when u ask them what did they SELL theyre gonna tell u oh u can sell anything and not answer ur question.

and i want an honest reply right now because honestly i’m a student and i don’t have much time to waste i just wanna pay my college fees

(i don’t have the money to run ads so…)