How to Make Between $2,700 and $4,500 Before Christmas—Starting With $0 Today

I was sitting and talking with my nephew the other day about ways to make money online. We were just catching up, and I said, “You know, if you started today with absolutely zero dollars, you could still earn between $2,700 and $4,500 before Christmas.”

He blinked at me. “How?”

Then he admitted he didn’t even know what a digital product was. Twenty-three years old, raised on the internet, and still had no clue. I thought he was joking. I said, “What do you mean you don’t know?” He said, “I don’t know.” So instead of laughing or lecturing, I shifted the conversation (despite there being a million and one questions flowing through my brain). I told him I was going to show him, teach him and train him —and now I’m showing you, too.

This post is dedicated to him and to anyone else who’s just now realising that you can build digital income without investing a dime up front. No trend chasing. No dancing for algorithms. Just creativity, consistency, and partnership with Dad (our Father in Heaven).

Let’s Start With The Real Numbers

I want you to see how realistic this actually is.
If you create one $20 digital product and sell only three a day, you’ll make roughly $60 a day.
Multiply that by 45 days leading up to Christmas and you’ve made between $2,700 and $4,500. How you're going to guarantee customers is to create a product valued at $50-$60 and offer it for 20 bucks.
No magic. No miracle marketing budget. Just a plan and a prayer.

And the best part? You can do it with zero dollars in ad spend.

The Power of Pinterest

Now before we jump into what to sell, let me tell you where to share it—because that’s where most people get stuck and I believe we should start here.

Everybody thinks they need followers to offer people anything. You do not. I have about 160 followers on Pinterest, and yet my content brings in more than 250,000 views per month. On Pinterest, it’s not the followers that matter; it’s the views. Views mean real people are searching for the kind of content you’re putting out. And Pinterest, unlike most social platforms, doesn’t bury you for being new. They focus on what their viewers want to see. So if 80% of people on Pinterest are searching for Christmas Tree Ideas and you post pins with 'Christmas Tree Ideas' in the title, description and caption... Pinterest will push out your content. It's as simple as that. Truly.

So even if you don’t have social media, Pinterest can be your storefront window. And between us, I would highly suggest that if you were going to focus on ONE platform it should be Pinterest or Youtube. These two platforms are education based where people go to learn and spend. I’ll be teaching the exact steps on my YouTube channel tomorrow, but for now, I want you to understand that the foundation of digital income is visibility—and Pinterest gives that to you that all for FREE.

What to Sell to Reach That $2,700–$4,500

Let’s talk about the types of digital products that work beautifully during the Christmas season—especially when you want to keep Christ at the center of everything you create. And as you should... hello it's kind in the name "CHRISTmas" (just saying sissy).

1. Faith-Based PNGs and Digital Files

Think digital art, scripture graphics, printable verse cards, “Jesus Is the Gift” wall prints, or “Gratitude Challenge” templates. These are instant downloads that people love to print and frame or use in devotionals and planners.

You can design them in Canva Free—yes, the free version—and upload them to Gumroad or Payhip for FREE. Offer high-resolution PNGs ( save them as PNG 2.5 or JPG 2.0) with transparent backgrounds (not on the free version though) so your customers can use them for stickers, shirts, or journaling pages.

If you’re wondering whether people really buy digital files like that, remember: everyone is looking for ways to decorate their homes or encourage their faith without waiting on shipping. Shipping is one of the reasons why people choose digital PNGs, JPGs, SVGs, and PDFs. Especially if you're in Canada and Canada Post chooses Christmas time to go on strike again for the 2nd year in a row. Scripture-based art meets that need perfectly.

2. Custom Notebooks and Journals

Prayer journals, gratitude notebooks, Advent devotionals—people want to write again. They want a place to meet with God on paper. And you can help provide an answer to that pain point. You can create your inside pages in Google Docs or Canva, save the file and create the mockups yourself to save on overhead cost. If you want to increase your odds, you can upload them to print-on-demand platforms like IngramSparks, KDP, Lulu or Gelato if you want to sell them in a Print version. You don’t pay a cent until someone orders (excluding IngramSparks). They print it. They ship it. You keep the profit.

Design covers that speak life: “Faith Over Fear Journal,” “Christmas Reflections With Jesus,” or “The 40-Day Prayer Challenge before Christmas.” It’s personal, it’s beautiful, and it’s something your audience will actually use after Christmas too.

3. Custom Cartoon Portraits (Without any Artist skills)

This one surprises people and is highly underrated, but it’s simple. Offer digital cartoon or illustrated portraits of families, couples, or children—something wholesome and gift-worthy. Use online design tools to create the art or collaborate with a freelancer while keeping your markup.

The key here is personalization. Give the option of adding their name for FREE and/or adding verses like “As for me and my house, we will serve the Lord” (Joshua 24:15) underneath the artwork. Now you’ve created not just a portrait, but a testimony in print.

4. Christmas Digital Helpers

Forget the Santa printables. Focus on resources that help families celebrate Christ.

Create Christmas planning guides, family devotion printables, daily Advent reflections, giving trackers, or “Names of Jesus” calendars. These digital helpers keep households centered on the reason for the season while also helping them stay organized.

You can design them for free in Canva and list them on Gumroad or Payhip. Each download becomes a piece of digital ministry and a source of income at the same time.

Driving Traffic and Building Trust

If you already have social media, post small pieces of your product there: behind-the-scenes clips, scripture excerpts, or quick time-lapses of you designing. Always link back to your shop or Gumroad page. If you have a Youtube channel, make a video teaching people how to make Christmas downloads and offer yours for a great price.

If you don’t have social media, lean on Pinterest. Create pins for each product, add searchable keywords like “Christian Christmas Planner” or “Faith-Based Wall Art,” and post consistently. Every pin is another seed planted. Some will sprout the same day; some will take a few weeks. But they grow. Make sure you're offering visuals just for pleasure for your viewers (nothing being sold)

And remember—this is about serving, not selling. You’re not tricking people into buying. You’re offering something useful, beautiful, and aligned with what God’s already placed in your hands.

The Faith Behind the Finances

Here’s what I’ve learned after years of doing this (without inviting Father to the business meetings): God doesn’t need a trend to bless the work of your hands. He only asks that you commit your work to Him.

“Commit to the Lord whatever you do, and He will establish your plans.”
— Proverbs 16:3

When you create from a place of obedience instead of desperation, you’ll start to see doors open that you never could’ve forced open yourself. One product idea will lead to another. One sale will turn into ten. And before you know it, you’ll realize that digital income isn’t just about money—it’s about stewardship.

Final Thoughts

You don’t need followers, fancy gear, or a business degree. You need willingness. Start small, stay faithful, and let consistency do its quiet work. If you sell a $20 product just three times a day, you can absolutely earn between $2,700 and $4,500 before Christmas. Just make sure you're adding value.

Tomorrow on YouTube, I’ll be breaking down exactly how to use Pinterest to get those first sales rolling. But for now, start here. Choose one idea. Pray over it. Create it. Post it. God will handle the reach.

Stay faithful, stay quirky, and stay writing.
With love and fire,
V. S. Beals
Writer. Watchwoman. Woman of the Word.