🚨12 COMMON SCAMS THAT TARGET YOUNG PEOPLE (AND HOW TO AVOID THEM)

The Young Money Guide is a personal finance blog for college students and young professionals. We share simple, practical tips on saving, budgeting, investing, and side hustles to help you take control of your money early. Whether you’re starting from zero or leveling up your finances, this is your go-to guide for smart money moves, growth, and financial freedom. Your journey to wealth starts here.
Introduction
Ever felt like your 9–5 isn’t enough or your student allowance disappears too fast? You’re not alone. The good news? You don’t need a business degree or big money to start earning extra cash. Today’s world is full of smart side hustle opportunities—even for total beginners. Whether you’re a student, stay-at-home parent, or full-time worker, this guide will help you start small and grow your income one smart step at a time.
1. Freelance Services (No Degree Needed)
What It Is:
Offer skills like writing, graphic design, video editing, transcription, or data entry on platforms like Fiverr, Upwork, or Workana.
Example:
Linda, a campus student in Nairobi, started writing blog articles for $10 each. In 3 months, she was earning enough to pay for her rent.
Tools Needed:
A smartphone or computer, internet access, basic training (free on YouTube or Coursera).
Getting Started Tip:
Start small. Offer a low-cost “starter service” to build reviews, then increase your prices.
2. Sell Preloved Items Online
What It Is:
Sell clothes, shoes, books, or electronics you no longer use on Instagram, Facebook Marketplace, or Pigiame.
Example:
James sold five pairs of barely used sneakers online and made KES 7,500 in a week.
How to Do It:
Take clear photos, write honest descriptions, and offer delivery or meet-ups.
Pro Tip:
Add hashtags like #ThriftKenya or #CampusDeals to get more visibility.
3. Start a Print-on-Demand Shop
What It Is:
Design T-shirts, mugs, journals, or hoodies. Platforms like Teespring, Redbubble, and Printify do the printing and shipping.
Example:
Sarah used Canva to create funny quotes and sold over 20 shirts on Redbubble in her first month.
Zero Inventory:
No need to buy stock—you only pay when someone places an order.
4. Offer Local Services in Your Area
Ideas:
Laundry & ironing
Tutoring kids (English, Math, Music)
Home cleaning
Babysitting
Hair plaiting/barbering
Example:
Kevin started washing cars for KES 200 per vehicle in his neighborhood. He now handles 5–10 cars on weekends.
How to Advertise:
Post on WhatsApp status, Facebook groups, or print a flyer for your area.
5. Social Media Management for Small Businesses
What It Is:
Many businesses want to grow online but don’t know how. Offer to create posts, respond to DMs, or run promotions.
Example:
Winnie manages a salon’s Instagram and gets paid KES 5,000/month for 3 posts per week and engagement.
Free Tools:
Canva, CapCut, Meta Business Suite
Getting Started Tip:
Offer a free 7-day trial to prove your skills to a client.
6. Start a Blog or YouTube Channel
What It Is:
Share what you know—be it tech tips, cooking, beauty, budgeting, or vlogs. Monetize with ads, affiliate links, or digital products.
Example:
A student blogger shares budgeting tips and earns from AdSense + promoting budgeting tools.
What You Need:
A Gmail account, niche topic, consistency.
Note:
It takes time, but long-term rewards can be huge.
7. Affiliate Marketing (No Product Needed)
What It Is:
Promote other people’s products and earn a commission for each sale.
Where:
Join affiliate programs like Jumia KOL, Amazon, or HostPinnacle Kenya.
Example:
Dennis shared a laptop deal from Jumia on Twitter and earned KES 800 in affiliate commission the next day.
How to Promote:
Use WhatsApp, social media, blogs, or YouTube reviews.
8. Become a Virtual Assistant (VA)
What It Is:
Support businesses online with tasks like replying to emails, booking appointments, scheduling social posts, and researching.
Example:
Faith got her first VA gig from a Facebook group and now works 10 hours/week for a client abroad.
Where to Find Work:
OnlineJobs.ph, Workana, LinkedIn, and referrals.
9. Online Tutoring or Language Lessons
What It Is:
Teach subjects like Math or Science or teach Swahili/English to foreigners online.
Platforms:
Preply, Cambly, or offer services locally via WhatsApp or Google Forms.
Example:
A teacher from Eldoret tutors 3 kids in Dubai via Zoom and earns $60 per week.
10. Digital Products: eBooks, Templates, Planners
What It Is:
Create and sell digital products—like budgeting templates, academic planners, or recipe eBooks.
Tools to Use:
Google Docs, Canva, Etsy, Gumroad
Example:
A student created a “Student Budget Planner” template and sold it for $3/download on Gumroad.
Conclusion: It’s Not About Capital—It’s About Starting
The smartest side hustles today don’t need a big budget. They need initiative, consistency, and value. Choose one that fits your skills or interest, start with what you have, and grow as you go.
Want to save what you earn?
Start Saving on a Tight Budget
Call to Action (CTA):
Which side hustle are you most excited to try?
Tell me in the comments—or share this with a friend who needs a financial boost!
Comments
Post a Comment
💬 “Your opinion matters! Leave a comment to join the discussion.”