5 Ways to Earn Mailbox Money

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Counting Money


Most people assume that the only way to earn money is to spend more hours at the office. We all know how stressful and hectic the working day can be, so finding more hours in the day to do something else may feel impossible.  

However, there are still other ways to increase your income without spending much of your precious time. One option is to start earning mailbox money, which, in essence, means to get money in your mailbox with little or no work effort. It’s passive income that flows straight into your account without much effort. 

Although it may sound too good to be true, making mailbox money will increase your freedom and flexibility, while allowing you to pay off specific debt, save money for your dream house or simply generate a viable income stream.

In the post below, we offer some tips on how to earn mailbox money and reap the benefits of easy revenue.

Bank Interest

Earning interest off your checking and savings account might be one of the most common ways to earn mailbox money. Although it’s an easy source of passive income, considering today’s low-interest rates and high inflation, it’s far from the best option as you would have a difficult time earning a real rate of return on the amount of money.

It might be a good idea to keep some money in the bank earning interest like your rainy-day savings and emergency fund. If you’re looking to achieve greater financial freedom, then it’s better to find a better source of mailbox money.

Lending Money

Piggy Bank

If you have money just lying in the bank, you should know that it might lose value because of inflation. Over time, your money can buy fewer foods and becomes worthless. However, by lending out your extra money, you can fight inflation.

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Peer-to-peer lending is one of the most common ways to lend funds and earn mailbox money. You can do this through peer-to-peer lending sites where people who have money to lend are matched with those looking to borrow it. When you find the right opportunity and fund the loan, you can collect interest as it gets repaid.

Another option to earn mailbox money is to become a private or hard money lender. The loans are usually intended for real estate investors who use the funds to fix and renovate a property. While they use the money, you have no other job but to sit back, relax and collect a check.

However, it’s important to understand the risks that come when you lend money to people. First, you need to do thorough research, perform due diligence and understand the terms of the loan. If you’re confused, consult a financial professional to guide you in the right direction.

Real Estate

One of the best ways to earn mailbox money is by investing in real estate. This is, in a way, how the trend of mailbox money came about as renters would send checks to the mailbox every month. It’s essential to keep in mind that traditional real estate requires both time and money. You need a significant amount of money to buy properties and spend time managing them as an actual landlord.

However, as the internet has revolutionized investing in real estate, it has made it a lot easier and cheaper than ever before. 

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Invest in Stock Market


Investing in the stock market is another excellent way to earn extra cash as it requires almost no work after you invest the money. The trick is to invest money in dividend-paying stocks and mutual funds which will pay you cash just for owning them.

If you start small, the amount of passive money won’t become bigger but over time, if you keep investing and growing your portfolio, you could live off the dividends you receive each month.


Traditionally speaking, to earn royalty income, one had to create some type of a product, regardless of whether it was a song, book, or movie. In addition, there was never a guarantee that the product in question would ever be successful, let alone profitable.

Today, on the other hand, people can buy royalties. Rather than spending time and working hard, you can purchase royalties with a good idea of the amount of cash you will make. Royalties are uncorrelated with stock and if the market dives, it will have little to no effect on the amount of royalty income you make.

Final Thoughts

Regardless of your financial situation, earning mailbox money can diversify your pay and improve your quality of life.

Whether it’s investing in real estate or earning interest off your checking and savings account, mailbox money is a smart way to earn a steady income with minimal ongoing effort.