By Toyin Omotosho with Jade Sulaiman


In 2005, I stumbled into a seminar where a 500L medicine student of Lautech was teaching “internet business opportunities”

That was the first time I heard the phrase “make money online” and I immediately realized that this is an opportunity that could change my life forever.

"How on earth does someone 'make money online'" I wondered, as I am certain many people too are wondering even now.

Well, 15 years later, not only do I make money online, I have built businesses that have done millions online.

I created this short report to help many people avoid some of my mistakes and get into the right path.

So, let’s get into it.

First, if you want to truly, really "make money online," there are 3 things you must get right from the word go so you don't waste your time, money, energy and effort.

DO NOT Go To Google Searching For How To Make Money Online

If you do so, you will be led down an evil path filled with scams, pyramid schemes, half-baked, time wasting activities and despicable human beings who masquerade as "online entrepreneurs".

99% of people who go this path end up never escaping this maze.


Enough said.

  1. To make money online, you MUST have something for sale and you must learn how to sell it online. You can't cop out by transferring your responsibility to sell to someone else, ala, "do it for me" or think other people will make you rich by "helping" ala MMM. Don't be dumb. You do not "make money online" in a literal sense. You do so by offering something of value, a product or service in exchange for money.
  2.  You must choose something real, something that can grow and you must have the discipline/patience to learn and do work to grow it. Get it?

Now let's talk about the different things you can do to make money online and what you should run away from when you hear "make money online".

I'll start with what to avoid with a long spoon. Engaging in them is like dining with the devil and using a short spoon.

Avoid These 6 Models

1. Online surveys - purportedly, you simply respond to surveys and you get paid a certain amount.

If it was that simple, trust me, everyone will be doing surveys right now and smiling to the bank. It is a lie.

online survey make money online

2. Get paid to read emails - this one is so dumb I don't even know how people believe it.

read earn make money online

3. "Oil and Gas investment" - also masquerading as "online investment programs" aka, invest =N=100,000 and get paid 40% every 30/60/90 days.

There are new ones making the rounds now.

Who are the shit people who invent these things? And who believes all that shit?

oil and gas make money online

4. Cash Gifting programs - a.k.a MMM and its many cousins (oh when, I was in Russia, I found Mavrodi's house. If you lost money in MMM, I know where to find his mother, just kidding.)

All that, "provide help, receive help" nonsense.

Their promoters morphed into #3 above.


5. Online MLMs - pyramid schemes disguised as network marketing opportunities.

If they have no real product and focus on recruiting new members, it's bullshit, it's a pyramid and it will come tumbling down.

And oh, if their "product" is a bunch of ebooks/courses, same applies.

mlm make money online

6. Anything that promises you'll make a lot of money doing very little to no work.

It's mostly shysters and scammers who promote those things, and I don't care if it's your trusted cousin telling you to join in.

Avoid them all.

scammers make money online

Let's Get Into The Realistic Ways to Make Money Online

Once again, please understand that you are making money online by using the internet to reach people who are interested in something, a product or service you provide and they will pay you.

Online aka the internet is the medium.

So, below is my list of 5 Legitimate and Effective Ways You Can Use to Make Money Online in 2020.

Read through each part carefully and choose the one that fits you.

morgan freeman
netflix the letter for king make money online

MMO MODEL 1: Freelancing/Consulting

This is where you provide skilled tasks to businesses and entrepreneurs.

Online Freelancing is probably the best way you can use to make money online with no capital.

That is because all you are doing is helping our businesses and individuals with certain tasks like:

Article writing

Social media posting

Audio/video transcribe


Graphics design

Web design

Voice over


All you need is a skill in a particular area or subject - graphic design, social media marketing, copywriting, sales.

And you can quickly learn many of these skills.

Business owners buy these services like clockwork.

All you have to do is to go to one of the online marketplaces where you can get these jobs.

The most popular one is known as

Fiverr is the world's largest online freelance services marketplace that connects businesses with online freelancers.

Don't let the $5 jobs fool you,it's merely a starting point.

People charge as much as $10,000 to do jobs there.

Then we have others like - and

On these sites, you can sell skills ranging from graphic design to writing, to social media marketing to copywriting to programming to sales, etc.

It's incredible what you can do on these sites. Check them out.

By the way, if this is what you want to do, my advice is that you get the guidance of someone who has been doing this for sometime.

The best program about online freelancing that I can vouch for right now is this one called Better than Fiverr.

The guy who created the program has hundreds of positive testimonials from students.

Click this link to check out the Better than Fiverr program.

work anywhere make money online

MMO MODEL 2: Affiliate Marketing

You might have heard this term before.

That is because affiliate marketing is an industry valued at over $300 US Billion

Affiliate marketing is an income model where you make money by selling someone else's product for a commission.

Basically, you get a link that recognizes you brought the visitor and when they buy, you get a cut which can be anything from 5% to as high as 90%.

It is a really effective way for complete newbies to make good money online.

The main thing is to get sales for the product you are promoting and you get paid a commission for it.

Let me quickly tell you how I used this to make N25,000 recently.

What I did was to go to an affiliate platform known as

Maybe you have heard that name before.

It has been around since 2018.

So, I picked a product on Instagram marketing, grabbed my affiliate link for that product, and went ahead to post the affiliate link on my Twitter page along with a small blurb.

3 days later, I checked my emails and I saw an email from Expertnaire.

The email congratulated me that I had just made N25,000 commission from selling that product.

This is the email I got.

This is exactly what is meant by getting paid a commission per product sale.

Here, I got paid 50% (which is N25,000) for selling this product.

There are many people making as much as N100k a week with this model by posting their affiliate links on their Whatsapp status, FB pages, Instagram pages etc

And you can even take it a step further by running paid adverts.

Anyway, If you are interested in this business model, you can get started simply by going to to sign up as an affiliate.

Click here to register on Expertnaire (Put your Expertnaire affiliate referral link here and in all places where expertnaire appears in this document)

However, if you really want to succeed big with this, like all things I will advise that you follow the guidance of an experienced person.

In this case, I am going to recommend Onome Maureen’s 30-day challenge for you.

Her program helps you to start making money with affiliate marketing within 30 days and without spending any extra money on adverts or anything.

And as you will see here, her 30-day challenge program has plenty of testimonies from successful students.

Click here to get her 30-day challenge program

how affiliate marketing works make money online

MMO Model 3: Information Publishing

Information publishing is a business model where you publish and market information on a topic that people are looking to learn/master.

You can publish step-by-step guides/courses on virtually any topic as long as people have an interest in it and are ready to pay for it.

The topics can be on money, relationships, business, travel, education, health, food, jobs, etc.

It's a really neat way to make money.

One of my businesses does this and it's extremely profitable with incredible margins.

You can deliver the information products digitally or physically or in person.

Information publishing is a really big business.

There are 3 major steps to it.

(1) Start by deciding on a topic that people will buy.

(2) Package or Create the information into a product.

(3) Create a System to market the information product.


You can also sell information in various formats:

- You can sell it as a simple ebook in PDF format

- You can sell it as a video

- You can sell it as a full-blown course

- You can sell it as an audio

- You can sell it as a webinar seminar or Tele-seminar

- You can sell it as coaching

- You can sell it as a membership content

If this is what you like, look at Jonathan Melody’s IBM program

Jonathan was able to create an N30m a year income from creating and selling information products online.

th make money online

MMO Model 4 - Importation/eCommerce

E-commerce is all about 3 things:

(1) Searching for physical products that solve problems for people or helps them get closer to their desires.

You can source these products here in Nigeria or import them.

(2) Buying the products at the lowest cost possible, importing them to Nigeria.

(3) And using a genius marketing method to sell them for a good ROI.

If you are going to run with this business model, make sure you do not run it like a lot of people.

Run it as a proper business.

Start with a huge and profitable audience/market. E.g. Fitness, babies (Moms), Women's fashion, Skin care

Look for challenges people have in that market

Find products on Aliexpress that solve those challenges - In fact, you will even come across many products on Aliexpress that fix challenges you do not know about.

Buy the products for the lowest cost you can find (You may have to use an agent or other sites for this)

E.g. Some products that sell for N$2 a piece can be gotten from for far lesser

Create a marketing system that allows you to pull in people interested in the products you are importing. You can advertise using Facebook, Instagram, YouTube, Google, Blogs.

Sell to them

Sell to them repeatedly

If you decide to take this to another level, you might even create a brand name and find companies that can help you create products with your brand name printed on them

But you don't have to start with that.

You can start importing with at least N50,000 or even lower.

"However, the most important factor is for you to ONLY import products that people really want to buy."

Personally, I don't import products until I have advertised it and gotten proof that it is a product that will sell.

That is when I buy it.

Ecommerce requires a capital of at least N50,000 to get it started.

If you want to go with this online model, please get any of these E-commerce training.

Ecommerce Domination by Patrick Ogidi

10X Ecommerce by Jonathan Melody

ecommerce in migeria

MMO Model 5 - Digital Marketing

With businesses increasingly becoming hard-pressed to take their operations online, the skills to market their goods and services can be learnt or outsourced. Businesses will pay people with the required skills. This is where you come in.

You help them run ads, set up funnels, manage their social media pages, etc. and get paid for these services. In most cases, any skills learnt from freelancing, affiliate marketing, information marketing/publishing and eCommerce can all converge here to get you started.  

This skill can fetch you between 100,000 to 200,000+ per month. And you can start training for it today.

digital marketing today


All the 5 make money online models I shared in this short report the average Nigerian can implement.

If you have zero money, zero connections, but have skills or are willing to learn one, then do freelancing/consulting.

If you have access to some very helpful information that people will pay for, then you should get into Information Publishing.

If you want to promote products without dealing with customers, Affiliate marketing is the way to go.

If you're not the writing type or you want to sell something you can touch, eCommerce is great.

If you notice, I left out Blogging as a way to "make money online", here's why.

Blogging is hard and for most starters, it isn't an excellent choice.

To do it, you need a ton of patience and discipline and you still need to incorporate Information Publishing, Affiliate Marketing, Consulting, maybe even eCommerce for a...

blog to be profitable.

It's like wanting to eat a boiled egg, but you put the egg inside "moi moi” first and then cook it before eating. Why not just boil the damn egg?

Blogs aren't profitable by starting up and putting an "advertise with us" page up.

And thinking a blog will survive by running ads is foolish.

That's it. Hope you enjoyed the report.

I wish you success.