There is no way without an investment, though in many cases that might be a time investment. Next it's a matter of how much your time is worth...for instance, if you're a lawyer or doctor whose time is worth $200 an hour, then it won't take long at all. If you don't have any skills and your time is worth minimum wage at best, this could take a while. As for your making $20 a month on the internet...how much time are you investing in that? There is money that can be made online, but many people make the mistake of thinking it's "easy money" when in fact it requires a lot of real work to be able to make any substantial amount. I'm also curious where the $1,000 figure comes from...I don't know where you are in the world or what the going rates on computers are there, but a good functional computer that will work for student purposes costs quite a bit less here. I myself just purchased a new laptop with all the capabilities I need (and then some) for my full-time online business for just over $400.