Home Blog Page 2

Ibotta Review

Ibotta Review
Ibotta Review

The Ibotta cash-back shopping app and browser extension allow you to earn cash back when you shop online.

While Ibotta is known primarily for its cash back at grocery stores, you can also earn cash back at gas stations, restaurants, pharmacies, and many other places.

Ibotta is currently available in over 300 stores, including Food Lion, Target, Walmart, and QuickTrip, among many others.

Nevertheless, 300 in-store retailers are just the beginning. More than 500,000 locations offer cash back through the mobile app.

At the time of this writing, over 40 million users have downloaded the app, and over $1.2 billion has been paid out.

Is Ibotta Trustworthy?

The Ibotta app is a legitimate cash-back rewards site and is available for free. It was founded in 2012 by Bryan Leach, and its headquarters are located in Denver, Colorado.

In the App Store, Ibotta has a rating of 4.8 out of 5 stars with over 1.5 million customer ratings, while on the Google Play Store, it has a rating of 4.5 out of 5 stars with over 607,000 ratings.

With over 1,200 customer reviews, Trustpilot has rated Ibotta 4.2 out of 5 with over 60% of those ratings being Excellent.

Ibotta: How Does It Work?

Ibotta is a mobile app that can be used both in-store and online to earn cash back. As an example, here is how it works.

Online Shopping with the Ibotta App

Ibotta allows you to easily activate cash-back offers when you launch your online shopping trip from the app or web browser. As Ibotta has partnered with over 2,000 online retailers (including Amazon), there are many opportunities to earn cash back.

With Ibotta, you can do this very easily. When you open Ibotta on your computer, you can either search for the online store you are about to shop with or browse all available online stores and click “Shop” to select the retailer you wish to shop with.

Suppose you are going to shop at Walmart.com after clicking “Shop”. After that, you will be redirected to the Walmart.com site where your cash back has been activated and you can begin earning rewards.

In-Store Shopping with The Ibotta App

Using Walmart as an example, open up the app and click Find Offers to earn cash back.

The next step is to add the offers you wish to purchase to your account. As an example, due to the fact that you plan to do your grocery shopping at Walmart, you can filter any offers that are specific to any brand. In some cases, it may be necessary for you to complete a quick survey regarding the product you are adding. Additionally, the app may display a recipe related to the product.

As soon as you have identified the offers that you are interested in, you can begin shopping. All you need to do is visit your local Walmart store and purchase your items as usual.

In order to receive cash back, you must upload a photo of your Walmart receipt by using the app’s camera feature.

By scanning your receipt, Ibotta automatically cross-references the offers you previously selected before you went shopping with the completed purchases on your receipt.

If a match is found, you will be asked whether you would like to redeem the offer for cash back. After reviewing the receipt, if everything appears to be in order, you can process it.

Linking Loyalty Accounts

By connecting your store loyalty accounts, you can avoid having to upload your receipt by taking a picture in the app.

The majority of major retailers are affiliated with Ibotta. Because of this, it is also linked to the loyalty programs of these retailers.

In order to link a loyalty account, open the app and select the retailer you plan to visit. Next, tap the Link Account button at the top of the app, and enter the information from your existing loyalty account or create a new one.

As soon as you complete the process, Ibotta automatically credits your account with cash back for purchases at that store – provided that you use your loyalty card during the transaction.

Refer Friends and Family

You can earn cash back in addition to rebates on in-store and online purchases by sharing your unique link with your family and friends. As a reward, you and your friend will receive an additional $10 cash back when your friends sign up using your code.

Make A Payment with Ibotta Gift Cards

Over 150 national chains of stores and restaurants are affiliated with Ibotta. By using gift cards in combination with the Ibotta feature, you will instantly earn cash-back and discounts on in-person purchases through the Ibotta app. Additionally, you can save up to 10% instantly without having to use a coupon.

The first step in ordering gift cards is to add your debit or credit card to your Ibotta account (see “Payments”). During the checkout process, you will display the Pay with Ibotta gift card code to the cashier. You will earn cash back as soon as the cashier scans this code.

If you regularly visit Starbucks, Steak and Shake, Applebee’s, Chipotle, Olive Garden, Texas Roadhouse, Peet’s Coffee, and so on, you may find this feature to be very useful.

What Is the Process for Receiving Your Money from Ibotta?

The money you earn from Ibotta can be deposited directly into your bank account, sent to your PayPal account, or given as a gift card.

  • Send to my Bank: Your cash-back can be deposited directly into your bank account if your bank is a partner of Ibotta.
  • Send to my PayPal: PayPal cash can be used to receive your cash-back.
  • Free Gift Cards: Numerous retailers offer free gift cards in exchange for cash-back.

If you wish to transfer your funds to your bank account or PayPal, you must first earn $20 in cash-back.

Depending on the type of gift card you wish to redeem, you may need to accumulate $25 in cash-back before you can redeem it. The funds can then be transferred to a gift card.

Sign Up for Ibotta

In order to sign up for Ibotta online, you will need to provide your first name, email address, password, date of birth, zip code, and gender. It is also possible to enter an Ibotta referral code.

Ibotta requires you to download an app or browser extension in order to earn cash back.

Is Ibotta a Safe App?

Ibotta is a safe and secure application. It is likely that the company has a large number of IT personnel working in-house to safeguard your personal information. Furthermore, they utilize advanced security protocols, such as 256-bit data encryption.

In case you are concerned about data privacy, you should be aware that Ibotta does sell your data to third parties. This is how the company generates revenue. The truth of the matter is that it is impossible to know what they do with your data, where it goes, and how secure it is once it is passed to a third party.

According to their privacy policy, Ibotta and its partners use your personal information to:

  • Identify the places you visit most frequently, determine the frequency with which you visit these locations, and send notifications when you arrive or leave those places; as well as
  • Provide you with advertisements and marketing solicitations through services, email messages, text messages, push notifications, applications, or other means.

Ibotta Customer Service

Ibotta provides a self-help customer support portal where you can search and find answers to many common questions. Alternatively, you can use their chatbot feature if you do not find what you are looking for.

Click on the question mark in the bottom right corner of the screen and type in your question.

Although Ibotta has a Contact Us page, we are unable to find any useful information on it. We were able to find this email address: support@ibotta.com

Ibotta Pros and Cons

Let’s examine some of Ibotta’s pros and cons since nothing is perfect in life, including cash-back apps:


  • The easiest way to save money on everyday purchases
  • It is possible to earn cash back at most national retailers
  • It is 100% free to download and use the app


  • Links with only major retailers and major brands
  • There appears to be a lack of customer support
  • While you are in a store, the app tracks your location

Ibotta Alternatives

Here are some of the more popular shopping rewards sites you can download today if you are looking for similar applications:

  • Honey
  • Rakuten
  • Capital One Shopping


With Ibotta, can you really make money?

The answer is yes. You can earn cash-back by making purchases that you would have made anyway. In order to receive money from Ibotta, you must first spend money at major retailers. Upon earning cash-back, you can redeem it for cash, PayPal, or gift cards.

Is Ibotta a legitimate app?

There is no doubt that Ibotta is a legitimate app where you can earn real cash back from your favorite retailers.

How reliable is Ibotta?

Ibotta is a legitimate cash-back site with excellent ratings on the App Store, Play Store, and Trustpilot. This is not a scam.

Is Ibotta free to use?

Ibotta is completely free to download and use. There are no upsells or membership fees involved. In order to receive cash back, you must make a purchase at a retailer. It is a no-brainer to use the app and earn cash back since you will most likely be shopping anyway.

It is important not to overspend or buy anything you would not normally purchase. It has been said, a penny saved is a penny earned. However, if you wind up spending more money with Ibotta than you normally would, you will not benefit from its services.

Which is better, Ibotta or eBates?

It is a matter of personal preference. You may be better off using Ibotta if you like apps. Also, Ibotta is easier to use at brick-and-mortar locations since receipts can be uploaded directly to the app, which then provides cash back.

eBates, on the other hand, has been around for a longer period of time and has established relationships with a greater number of online retailers.

Is there a mobile app available for Ibotta?

For Apple iOS users, you can download the Ibotta app from the App Store, while for Android users, you can download it from the Google Play Store.

Is it possible to use multiple cash-back apps?

The answer is yes, and you should! If you use multiple cash-back apps, you will be able to earn more extra money. Download the Fetch app and start racking up points and redeeming them for free Amazon gift cards if you enjoy scanning receipts.


With Ibotta, you can earn cash back on purchases that you would have made anyway.

Do you enjoy using coupons and saving money? Are you a fan of shopping at major retailers such as Walmart and Target and dining at chain restaurants such as Applebee’s and Olive Garden? Thus, if your answer is yes, you will most likely be extremely satisfied with the Ibotta app.

In contrast, if you prefer to buy your coffee at a local shop or eat at a local restaurant, you may not be able to benefit from Ibotta’s services.

It is important to remember that the road to financial freedom does not include frequent shopping sprees. Even so, if you are planning to shop at those stores responsibly, a little cash back won’t hurt.

Micro Jobs

Micro Jobs
Micro Jobs

Micro jobs are appealing as they allow you to work a flexible schedule, choose the work you wish to accept, and build skills and experience for your resume.

As a result of the Internet, workers are able to find jobs more easily. There are a number of websites that allow workers with Internet-connected devices (computer, smartphone, or tablet) to search for micro jobs both within their city and in other parts of the world.

Generally speaking, micro jobs are small, easy tasks that can be completed in a short amount of time and pay anywhere from $3 to $100 for the work.

How Do Micro Jobs Work?

There are a number of micro job sites that can help you find small jobs online, which can be a great way to make money online. It must be kept in mind, however, that since the tasks are small and are done in a short period of time, the pay is not going to be very high.

They don’t require an interview, meetings, or set hours, and you can either do them online or in person. They don’t require an interview, meetings, or set hours. If you are short on time, and you are in a hurry to make some money, then micro jobs (with same-day payment) might be the perfect opportunity for you.

Listed below are several types of micro jobs that you may choose from.

Best Websites for Finding Micro Jobs

What is the best way to find micro jobs? The best way is to do it online, of course. Micro job sites are a very popular option for workers who wish to get paid for the tasks they do online, and there are a variety of them available. It is also possible to combine a number of micro jobs to earn more money, such as audio transcription jobs and freelancing writing jobs.

It is also possible to find community-based micro jobs or to help neighbors with short household tasks, such as lawn mowing or grocery shopping if sitting at home isn’t for you.

It doesn’t matter what appeals to you, there is a micro jobs website that is out there that will connect you with customers who will pay you for the services you provide.

Branded Surveys

Branded Surveys specializes in taking online surveys, one of today’s most popular micro-jobs.

Upon creating your account, you will receive a bonus of 100 points. From there, you will be matched with surveys that are suited to your profile, based on your preferences. Taking part in challenges, participating in the daily poll, and referring your friends and family to the site will allow you to earn additional points.

With Branded Surveys, you will have the opportunity to earn free rewards as you earn more and more points. As soon as you reach 600 points, you will become a Branded Elite Silver member. Once you reach 2,100, you will be able to advance to Gold. You will be automatically entered into random drawings each day, week, and month for the opportunity to earn up to 1,000 points as an elite member.

Before you can cash out, you need to accumulate 1,000 points. It is entirely up to you how you wish to redeem your earnings after earning them, and you can choose between PayPal, direct deposit, or gift cards to popular retailers such as Amazon, Apple, Lowe’s, and many more.


Usually when people think of microtasks, what they think of is downloading an app and then doing nothing with it, and Tapestri allows users to do just that. Tapestri, like many apps you use every day (Facebook, Twitter, Google Maps, etc.) collects data from its users. The difference between Tapestri and its competitors is that Tapestri pays users for the data they provide.

Facebook and Instagram, for example, collect your data so that they can serve you ads that are tailored to your interests and preferences. You are being forced to sell your attention to the highest bidder for a very high price. To put it another way, you are the product.

Your data is completely anonymous with Tapestri, and it cannot be linked back to you in any way. Unlike other apps, the app is very transparent about the fact that they do sell your data, but unlike other apps, they pass along a portion of those profits to you as a way of keeping you satisfied. It is stated on their website that users can earn up to $25 per month passively by simply installing the app on their phone and allowing it to track in the background. No work is required on your part.


Essentially, Swagbucks is a micro jobs website that rewards you with points for doing simple tasks like shopping at online retailers like Amazon and Starbucks, taking surveys, watching videos, and playing games on their website. You earn points, or Swagbucks (SBs), based on the number of tasks you complete. The Swagbucks app is available for both iOS and Android devices, so you can earn points wherever you are.

In order to redeem Swagbucks for cash cards or gift cards to stores like Walmart, Amazon, and iTunes, you only need to accumulate about 160 Swagbucks. Occasionally, there are specials on this site where you can get gift cards at a discount that is below their normal cash value on a regular basis. Besides Swagbucks, MyPoints, ShopAtHome, and InboxDollars are also subsidiary brands of the media company Prodege, LLC that operate under similar brands.

Over $556 million in cash and free gift cards have been given away by Swagbucks since it started in 2010. There is no doubt that Swagbucks’ reputation in the online world is well known. Their work has been featured in publications such as Reader’s Digest, Cosmopolitan, and U.S. News & World Report, among many others.


Respondent offers remote and in-person research studies if you feel comfortable sharing your opinions. The opportunities can range from participating in a focus group, doing a one-on-one study, or taking part in the testing of user experiences (UX).

It is possible to earn hundreds of dollars for each research project that users are able to complete, which can take several hours to complete. There’s no need to rely solely on this site to make money because it can take a while to be matched with a project that matches your demographic information since it’s hard to find projects that are relevant to you. A 5% fee is taken by Respondent, and the payment is made through PayPal.


Slicethepie is a small micro job site where you can earn money for reviewing music, fashion, accessories, commercials, and more. Your reviews will be seen by the original artists who will take your feedback into account in order to make the products better in the future.

Users can withdraw money via PayPal if they have $10 in their account. Slicethepie will read your review after you submit your order before it approves your payment. The payment may not be received for up to five business days after it has been made.

Amazon Mechanical Turk (MTurk)

Consider signing up with Amazon Mechanical Turk if you are looking for a quick source of income. It is possible to earn money by completing Human Intelligence Tasks (HITs), such as the following:

  • Video and image processing
  • Data cleaning and verification
  • Typing jobs online
  • Information gathering
  • Data processing

It is also possible for Amazon MTurk workers to assist Amazon sellers by editing their product listings and providing the best information about their products to buyers. As a result, sellers are able to increase their sales, and buyers are able to make the most informed purchase decisions.

When you complete a HIT, you will receive a payment. There will be a 10-day waiting period before new employees will be able to get their earnings. It will not take you more than a few minutes to withdraw your money from Amazon Payments into your bank account or to a bank account of your choosing.

The Amazon Company does not disclose how much the average HIT earns, but according to a study conducted by Cornell University, employees receive an hourly wage of about $2.


As with Swagbucks, InboxDollars rewards users for doing ordinary online tasks. In order to make money online, you may take surveys, watch videos, read emails, play games, or complete other small tasks online. There are also many advantages to shopping online, such as earning cash back, receiving free samples, and getting access to coupons for groceries, beauty products, home goods, and more.

InboxDollars is a service that pays out in cash instead of earning points. It is important to note that earnings vary depending on the activity. According to InboxDollars, surveys pay anywhere from $0.25 to $5 per survey.


Whether you are a designer, artist, writer, musician, or any other kind of creative professional, you can start selling your services on Fiverr. As one of the best online job sites around, Fiverr has facilitated more than 50 million gigs with prices that range from $5 to $10,000 and has been around since 2005.

In case you are not sure what to offer or how to price your services, you might want to look at people who offer similar services to your own. Consider what they are doing as a guideline and follow it. You might be able to offer a logo design for ten dollars, or a 500-word blog post for twenty dollars, as an example.

It is possible to get gigs by bidding on requests (all of which are initiated by the person looking for the service) or you can let customers come to you directly. When you connect with a customer, you will negotiate any terms and conditions that are not stated in the listing, and then you will be able to begin work on the project.

Upon delivering the gig, Fiverr will transfer the payment to you as soon as the order has been marked as completed. The fee will be split between you and Fiverr. You will receive 80% of the total fee, while Fiverr will take 20%. Fiverr does not charge you any fees for joining or listing your services on the site.


With Clickworker, you can make money doing micro-jobs such as typing, proofreading, copyediting, taking surveys, or testing apps on your phone. In addition to hiring people for conducting research, categorizing website data, and making short audio/video recordings, Clickworker also hires people to do mystery shopping. It is a flexible job that can be done from anywhere, to suit your schedule, and you can do it at your own convenience.

Clickworker allows you to work from anywhere in the world, so you can choose between weekly or monthly payments through SEPA (international payment system) or PayPal depending on where you live. Complete a user profile and a skills assessment in order to get started. You will be matched to the best jobs based on your performance on the assessments.

As soon as you complete a job, you will receive payment. Each microtask is paid differently, with more complex tasks paying more. Your account balance can be paid out instantly once you reach the amount of €5 (about $5.67 USD) for PayPal or €10 (about $11.35 USD) for payments directly to your bank account.

Here are some alternatives to Clickworker:

  • RapidWorkers
  • Gigbucks
  • Microworkers
  • Damongo.


Data from Appen can be used for Machine Learning and Artificial Intelligence applications in retail, transportation, and other industries. Data gathered from this system can be used to scale image recognition, voice transcription, and personalization of search results.

As a means of enriching its data sets, Appen hires workers from all around the world to do remote, online jobs from their homes. A large part of its work is hiring people to review apps, evaluate web searches, and do language work such as transcriptions and translations.

As it is all computer-based, you should make sure that you have a headset and a laptop in good working order before applying. During your time as an Appen employee, you will invoice the company once every month, and you will receive a payment within 30 days of this invoice.


With ySense, you can earn money by taking surveys or trying new products, services, and apps. You will be able to determine your earning potential by a number of different variables, including what number of micro tasks you complete and how often you log in, according to ySense.

As soon as you’ve reached the minimum balance ($8 for standard members), you can cash out via Payoneer, PayPal, or Skrill.

It should be noted that ySense also pays workers for sharing ySense with their friends and family. As a referral, you can earn up to 30% of the money that your referrals make.


Gigwalk is an app that provides you with the opportunity to find work in your local areas such as mystery shopping and micro-jobs. In order to collect information about local stores, retailers post small tasks on their sites. If you check whether items are on shelves, if prices are correct, and if promotional displays are valid, for example, you might confirm if the items are on shelves.

A Gigwalker uses the app to show the stores they’ve been to as well as to submit photos documenting the work they’ve done. You can get paid anywhere between $3 and $100 for gigs, and PayPal is used to process the payments.

Field Agent

Using Field Agent, you can also earn money doing microtasks online. The Field Agents are responsible for answering questions about store displays as well as brand visibility in stores. It is possible that you will have to verify whether special displays are set up correctly, answer questions regarding competitor marketing, or give your opinion on products based on product pricing.

The earnings you earn can be cashed out directly to your bank account or you can use a prepaid debit card to withdraw money. In general, you will earn between $3 and $20 a day as a Field Agent. The earnings you earn will accumulate in your account until you request an instant payout by logging into your account.


The Scribie company employs at-home workers to transcribe audio and video files within a few minutes. To be eligible for the transcription program, you will have to fill out an application and take a transcription test.

The conversation context will help you identify transcription errors, so you should be able to comprehend spoken English easily.

With Scribie, you can earn between $5 and $25 per hour of audio transcription, and you can earn more based on your performance. Your earnings accumulate in your PayPal account, and you can withdraw them at any time.

The Smart Crowd/Lionbridge

Besides data research and data entry, Smart Crowd/Lionbridge also offers translation and interpretation services. If you are bilingual and interested in micro jobs, you might be interested in Smart Crowd/Lionbridge. Adobe, Microsoft, and Pfizer are some of the global brands it works with. Among the jobs available are working on improving internet services, processing transactions, or using online mapping programs.

Each task has a different rate, and workers are paid once a month. It’s free to sign up, and there’s no minimum number of tasks or hours you have to complete. In order to be considered, you’ll need to create an account and complete at least one placement evaluation.


TaskRabbit might be a great place for you to find micro jobs in your area if you prefer to work with your hands. A service-based app like TaskRabbit connects customers with gig workers in their local area. You may need to help mount a TV, move or assemble furniture, clean your house, complete minor home repairs, or complete other tasks.

An online application needs to be submitted and an informational session needs to be attended to work for TaskRabbit. You will receive notifications about nearby jobs once you’ve registered on TaskRabbit.

A client creates a profile, chooses your rates, and negotiates the details of the job. Your invoice can be submitted via the TaskRabbit app once the job has been completed. The average pay per task for jobs ranges from $50 to $130.


A company called UserTesting pays users to test apps, marketing materials, and websites. UserTesting involves visiting a website or app, completing a set of tasks, and providing feedback. Customer feedback helps brands understand how their website, app, or branding resonates with them.

Your earning potential is $10 per 20-minute video, and UserTesting pays via PayPal. Following the completion of a task, you will receive your payment within seven days.

To join, you must be at least 18 years old and speak English. In order to apply, you will need to send a sample video to UserTesting. UserTesting confirms the quality of your recording after a waiting period, which varies in length. As soon as you are approved, you will receive emails informing you of testing opportunities.

Fancy Hands

Customers can connect with US-based virtual assistants through Fancy Hands for tasks such as booking dinner reservations or calling cable companies. Virtual assistants are paid per task and can complete jobs from home. The starting pay for each task is around $3 to $7. Your Fancy Hands virtual assistant payment will be sent every other Tuesday.

There are also advancement opportunities at Fancy Hands. In the event you become a successful virtual assistant, you may be promoted to a managerial position, ensuring the smooth operation of other assistants. Fancy Hands allows you to work from anywhere and set your own hours.


CrowdTap pays people to provide honest feedback on brands and products, similar to other micro jobs websites. Retail gift cards to places like Amazon are used as payment by users. You may receive free product samples to review from time to time.

Points are earned for every survey you complete. You can redeem 1,000 points for a $5 gift card once you reach 1,000 points. There are many positive reviews for CrowdTap on Reddit, which is no small feat.

Taking On Microtasks Comes with Micropayments

Research the best-paying micro jobs sites that match your skills and interests, as well as those that allow you to work on your own schedule to maximize your earnings. These sites won’t match a 9-to-5 salary, but they provide an opportunity to earn a little extra money.

Free Phone

Free Phone
Free Phone

You can obtain a free phone and free service by following a few simple steps. You can find a free or cheap cell phone and cell phone service if you know where to look.

Cell phones have become a part of our daily lives in such a way that it is incredible how much we depend on them.

The smartphone has become one of the most important tools in our modern lives, even if we don’t use it for hours a day.

A cell phone is a powerful tool, but it is also one of the most expensive gadgets on the market. A smartphone can cost as much as $1,000 or more, depending on the model. As well as the high monthly costs, there’s also the high bill that comes with it, which can run into hundreds of dollars for a family with three children.

There are some people who cannot afford to spend so much money, and there are some who do not need the latest gadgets. The most important thing is to have a working phone from time to time. There are a number of ways you can get a free or cheap cell phone and cell phone service if you know what to look for.

The Best Places to Get a Free Phone

It’s true that you won’t be able to get the latest iPhone for free, but if you want some assistance getting access to a cell phone, these services may be able to assist you.

Lifeline Support

The Lifeline Support program is a government-funded program that helps to reduce the costs associated with cell phones for people who qualify for it. In the event that you qualify, you will receive a subsidy of at least $9.25 a month toward your cell phone bill as well as a free Android smartphone.

In order to qualify for this program, you must meet one or more of the following requirements:

 Earning less than 135% of the federal poverty level on a yearly basis. There is a threshold amount of $16,862 for a family of one living in one of the 48 contiguous states.

 Become a participant in one of the following programs:

  • SNAP (formerly known as food stamps)
  • Medicaid
  • Supplemental Security Income
  • Federal Public Housing Assistance
  • Veterans Pension and Survivors Benefit
  • Tribal Programs (for residents of federally-recognized Tribal lands)

Even if there are multiple persons who qualify for the subsidy, only one person per household can receive the donation.

The subsidy will cover the total cost of a phone plan that costs less than $9.25.

Assurance Wireless

Lifeline Assistance is a program that is part of the Assurance Wireless plan, and if you qualify for Lifeline Assistance, you can use this plan. With this plan, you will be able to talk and text unlimited, as well as receive 2GB of free data every month as part of the plan. In addition, Assurance Wireless customers will be able to get a free Android phone as part of their service.

As far as adding additional data to your plan is concerned, you can sign up for a monthly plan or you can pay as you use the data if you wish.

SafeLink Wireless

It is also worth noting that SafeLink Wireless is another provider that works with the Lifeline Assistance program. When you sign up for the service, you will be given an Android device for free or you can bring your own phone to use with the service.

In the event that you qualify for Lifeline Assistance, you will be eligible to receive free service from SafeLink. Depending on where you live, you will have access to different plans.

In Massachusetts, for example, the voice-focused plan is offered along with 1,000 minutes and 1 GB of data each month as part of the package. As part of the data-focused plan, you will be able to talk for 350 minutes and use 2GB of data per month. There is, however, an unlimited voice plan and a 3 GB data plan available in California. It is possible to get 4 GB of data if you use your own phone.

It is possible to get a bonus of 500 MB of data per month if you bring your own phone to connect, rather than getting one from the program.


There are plenty of options available if you aren’t eligible for a free Lifeline cell phone or prefer a different option. There is a good chance that you won’t get the latest model phone, but there is a good chance that you can find something that works for you.

To get started, you might want to take a look at Craigslist in your local area to see if anyone is having a yard sale or looking to get rid of an old phone specifically. It is not uncommon for people on Craigslist to ask you for a price for a phone, but you can always ask if they are willing to give it to you for free, as well. There is a possibility that they will give it to you, especially if the phone is damaged or does not work properly. You will have the opportunity to receive a free phone as well as learn some basic strategies for repairing phones.

It is very important to follow basic internet safety rules when you are going to meet with a seller in person after you make a purchase online.


In a similar manner to Craigslist, OfferUp is an online marketplace. It is common for people to post items on the site that they expect to receive payment. However, sometimes people will post items that they are giving away as well.

If the phone has been available for a while without taking, you can always negotiate with the person to see if they will give it away for free.


Founded in 2008, NextDoor connects people who live in the same neighborhood, allowing them to connect, trade, barter, and learn about local events.

It is not uncommon for people to post things they are trying to sell or give away within online communities. You might be able to find an old cell phone for free if you keep your eyes open for people who are trying to dispose of their old telephones.

Facebook Marketplace

Facebook Marketplace is Facebook’s platform for selling and trading items. Posts made by your friends and by people in your area are visible to you. Please contact the poster if you see a phone up for grabs and ask if you may pick it up for free.

Buy Nothing Groups

The concept of a Buy Nothing Group is based on the idea of freely sharing your items and skills with your neighbors. Instead of bartering or trading, people are encouraged to offer the things they no longer require to others. As a result, people who need things can obtain them without having to spend money on them.

If you are looking for a free phone, this is a great place to look. You may find that it is older or that the screen has some cracks, but if you are in need of a phone, it is still a viable option.

Places That Offer Free Phone Service When You Switch or Add a Line

If you are in need of a new phone, many carriers offer brand new phones as part of their contract offers. It is likely that these will not be the newest models, but they will be sufficient for the majority of applications.


Sprint offers customers the opportunity to receive a free phone when they lease a phone, which makes it an attractive option for couples who wish to have the same phone plan. Sprint will provide a second LG V30+ free of charge if you enroll in Sprint Flex and lease an LG V30+ for 18 months.


Verizon will give you a free Alcatel AVALON V, Samsung Galaxy A10e, or Motorola Moto E6 when you switch to Verizon or add a new line with a 24-month contract.


With a 24-month commitment to a T-Mobile plan, you will receive a free REVVLRY, Samsung Galaxy A10, or Moto G Power. You may be able to trade in your existing phone for a discount on a new iPhone or Android.


In addition, AT&T offers a “buy one get one free” offer on select smartphones, such as the iPhone X and Samsung Galaxy Note10. It is necessary to commit to a 24-, 30-, or 36-month plan in order to qualify.

The Best Places to Get Cheap (or Free) Cell Phone Service

There are a number of cell phone providers that offer a cheap monthly plan that provides the necessary service.


FreedomPop is a free phone service provider that is available to everyone. To sign up, you do not need to meet any eligibility requirements. You will only need a cell phone, which you may purchase from FreedomPop at a discount.

The free plan offered by the company includes 200 minutes of voice, 500 texts, and 500 megabytes of data. If you wish to upgrade to unlimited talk and text, you will need to pay $11 per month. For $20 per month, you will receive unlimited talk and text as well as 1 GB of data.

Republic Wireless

For just $15, Republic Wireless offers unlimited talk and text, as well as data at a rate of $5 per gigabyte. Even if you do not use all the data on your plan, you will be charged for the full plan regardless of when you change your plan.

Google Fi

There are two plans offered by Google Fi: Flexible and Unlimited.

For the Flexible plan, you will be charged $20 for unlimited talk and text as well as $1 per 100 megabytes. It is not necessary for you to guess at your usage or select a data amount; you are only charged for the data you consume. Regardless of how much data you use in a month, your bill will be capped at $80 if you exceed 6 GB.

With the Unlimited plan, you are charged between $45 and $70 per person, per month for unlimited talk, text, and data usage. Each member will also have access to 100 GB of cloud storage.


The base monthly rate for Ting is $6 per line. It is then possible to select how many minutes, texts, and megabytes of data to add to the plan, allowing you to tailor your plan, and its price, to your usage patterns.


For $20 per month, TracFone offers unlimited talk and text, as well as 1 GB of data. There is an option to add up to 2 GB of additional data for a fee of $5 per GB. There will be a rollover of any unused data from month to month.


If you have more than one person on your contract, you can save a significant amount of money on T-Mobile’s essentials plan, which offers unlimited talk, text, and data for $60. For example, if you have four people on your contract, you will save $30 per person, making this a great deal, especially if you are a heavy data user.


CellNUVO offers a smartphone service that allows users to earn points by playing games and completing tasks. These points can then be used to pay your monthly utility bill. Your entire bill, including the purchase cost of your phone, can be covered if you earn enough points.

Therefore, you will be able to obtain a new phone and phone service for free.

In order to get started, you will need to download the CellNUVO app. As soon as you have downloaded the app, you will be able to watch advertisements and complete offers, such as downloading specific apps, in order to earn points. You can redeem your points for talk time, texts, and data, or you can apply them to the monthly payment for the phone you purchased.

The process of earning points can be time-consuming, so you should make sure you only use your phone when you are in need of it. If you do this, you will be able to conserve points, which is important since working to earn enough points for a free phone can take a considerable amount of time. In order to maximize your time and reap the benefits, it can be very challenging to strike a balance between the two.

New Phones Don’t Have to Cost Hundreds

The cost of cell phones is high, but they are an integral part of everyday life. Having one can offer some peace of mind even if you do not intend to use it for anything other than phone calls and texts.

By taking advantage of an opportunity to obtain a free phone, you are able to acquire an essential tool without having to pay a premium price.

How To Earn Money Online

How To Earn Money Online
How To Earn Money Online

Nowadays, there are more opportunities for extra income online and offline than ever before. Although that’s awesome, deciding where to spend your time isn’t always easy.

Over the past few years, it has become increasingly popular to earn money online from the comfort of our homes.

Using the Internet to Make Money Fast

Undoubtedly, the Internet is one of the most powerful sales channels, marketing networks, and community hubs available today. Besides filling out surveys and selling used goods on marketplaces, there are many other creative ways to make money fast online.

However, some side hustles are better suited to the laptop lifestyle than others. In this guide, we will examine some of the top ideas on how to earn money online.

Here are the best ways to earn extra income right now.

Conduct market research

Although you won’t earn a lot of money from online surveys, you can make a few dollars here and there. The majority of survey sites pay in gift cards, but some, like Branded Surveys, allow you to withdraw your earnings via PayPal or direct deposit. Branded Elite members earn bonus points and rewards by taking surveys consistently and earning points.

Several of the paid survey sites we ranked are scams masquerading as legitimate organizations, so be careful handing out personal information to a brand you don’t know much about.

Internet connections that are unused can be sold

This may sound weird to you, but hear us out. Using unused internet resources and data, companies like Honeygain sell their Content Delivery services to Fortune 500 companies through their partner network. You become part of a larger “hive” of computers and internet connections that power the network.

In Honeygain’s estimation, the average user will earn $45 per month in passive income by installing the app on two devices and sharing about 5 GB per day.

There is a good chance that you have some extra bandwidth to donate if you have an unlimited data mobile plan, cable, fiber, or DSL. Additionally, new users receive a $5 gift when they register online. For more information, visit their website.

You can earn rewards and cashback online

With cashback apps and browser extensions, you can save money on everything from groceries to books. Although you won’t earn a fortune, you will save on things you already purchase. Overstock, Vitacost, and eBay are among my favorite stores that Capital One Shopping works with.

If you already have an account with Capital One, you can create a Capital One Shopping account using your regular login. Signing up is still quick even if you do not use Capital One. Capital One will let you know while you’re shopping if there’s a deal available for that retailer once you create an account and install the browser extension. Gift cards are available from Walmart, Redbox, Sephora, and other retailers if you redeem your rewards.

Create a blog

The idea of making money from a blog is more realistic than you might think. A blogger makes money by promoting the products and services of companies with which he or she is affiliated. A commission is earned by the website owner when users click an affiliate link and make a purchase. Besides displaying advertising, selling your own products, or writing sponsored content, there are other ways to make money blogging.

It is easy to start a digital business from home for less than the cost of a cup of coffee each month with blogging platforms like HostGator.

You can monetize your location data

You know those push notifications Starbucks sends when you are within a rock’s throw of a physical location asking if you want a drink? Can you recall when apps on your phone asked for permission to use your location information?

There is a good chance that you have over a dozen apps tracking every step you take on your phone right now. The time has come for it to be monetized.

Tapestri allows users to earn $25 per month by sharing their location with the company.

After that, Tapestri partners with massive brands to help them gain insight into consumer behavior and shopping patterns. With Tapestri, you’ll get paid for the location data, and as we mentioned earlier, you’re already sharing it with other apps.

The Tapestri referral program pays monthly passive cash for each person you refer to the app (who also consents to the app sharing their location). Referrals who keep the app installed on their phones will receive $1 per month.

Start a proofreading business

A proofreader ensures that a writer’s content is error-free and grammatically correct. Court reporters are also among those who use proofreading services. It is the proofreader’s job to provide an extra set of eyes after the author and editor have finished. Content is scanned for errors that may have gone unnoticed previously. As a freelance proofreader, you can earn several hundred to even several thousand dollars per month working in your spare time if you have a modest list of clients.

Managing Facebook Ads for businesses

Users’ news feeds are one way Facebook makes money by displaying advertisements for products and services. Small business owners don’t realize how valuable Facebook ads can be for their business. For each client you book, you can earn $1,000 to $2,000 per month by communicating the value of ads in attracting new clients and building brand awareness.

The first step would be to get in touch with small business owners in your area or to take an online course that will teach you how to manage Facebook ads and begin booking clients once you have done that.

Become a virtual assistant

An online virtual assistant offers services to companies and small businesses through the Internet. Among the services offered are graphic design, blog management, and email marketing.

After having her first child, one of our readers started working as a virtual assistant. She offers copywriting and email management services to local companies for $35 an hour. It is true that working as a freelancer will increase your hourly rate, but it does come with the downside of having to find your own work, which is a major drawback. It is also possible to work with well-known virtual assistant companies that have a steady stream of clients, but at a lower hourly rate, should you choose to work with them.

Transcribing audio files

A transcription job can be classified into three categories: legal, medical, or general. There are companies in the legal or medical fields that may require you to have some experience or knowledge in those fields. Transcriptionists listen to audio files and transcribe them into written content. There is a wide range of pay for different jobs depending on the industry and your level of experience. There’s a free 7-day course that you can take if you’re interested in working as a transcriptionist, which includes information about what it takes to work as a transcriptionist and how to get started in the field.

Bank hopping

Taking advantage of “bank hopping” is one of the savvier ways to make money online, but it often requires a little capital. Generally, banks offer substantial deposit bonuses if you open an account – often with a minimum deposit – and keep the money within the institution for a certain period, usually around 90 days.

For example, Discover Bank offers a bonus of $150 or $200 when you open a new online savings account with them and make a qualifying deposit within the first 30 days of opening the account. The only thing you have to do to get the free money is to use the code OB222 when opening the account, but that’s a pretty small ask for a large amount of free money.

You should invest in fine art

People often think of stocks, bonds, real estate, etc., when they think of investing. In addition to investing in financial products, you can also invest in physical items, such as fine art. It wasn’t possible for most ordinary people to purchase famous and original works of art from artists like Picasso, Monet, or Rembrandt until now.

With Masterworks, you can buy “shares” in a painting, just as you would buy stock. You can make money online by selling your artwork if you know what you’re doing and you don’t need the money right away.

Educate second-language learners in English

VIPKid hires native English speakers to teach English to children, most of whom are based in China. Your pay is based on your level of teaching experience and how well you do in the demo interview. In fact, many of the people who worked for the company had no experience and made $1,500 to $2,000 per month teaching part-time jobs.

Create a digital course

One of the most popular ways to make money online today is through digital courses. There is a platform called Outschool which focuses on the recruitment of teachers specifically for the purpose of helping online course creators monetize their knowledge. The classes offered at the school cover a wide range of topics, from architecture to yoga to learning about Pokémon characters. According to the site, the average teacher earns $40 per hour, and you do not have to be an experienced teacher in order to use Outschool.

You can sell your unused gift cards

If you have unwanted gift cards, you can sell them on one of several popular gift card exchanges. Raise, for example, gives you a suggested selling point when you enter your gift card. It is up to you to set the price at whatever you think is fair. Once your gift card sells, Raise will keep 15% of the selling price and you will receive the remaining 85%. As an example, if you sell a gift card with a $50 balance for $45 and Raise keeps $6.75, you’ll get $38.50.

Sell and buy domain names

Domain flipping can potentially be a lucrative way of making money online if you like coming up with cool names for new websites or businesses that you would like to start up. This is a great how-to guide by GoDaddy that shares tips on how to flip an inexpensive domain for thousands of dollars.

Start your own tutoring business

There are a variety of online tutoring sites where you can earn money by teaching anything you know. You can set your own rate on some sites, while others dictate what you can charge. When you create a profile on a website like Wyzant or Tutor.com, you can start booking clients right away. You can also advertise on Craigslist or at local schools, depending on your subject area and whether you prefer to teach in person or online.

Test websites for money

Testing a website’s design and user experience is done by website testers. In this way, businesses can improve their websites to provide a better user experience (and possibly increase sales). You can earn $10 for every 15- to 20-minute test, you complete with sites like UserTesting. Tests involve recording your screen, receiving feedback, and answering follow-up questions. You can also earn money by testing websites at other places.

Write for websites and businesses

One of the fastest and most accessible ways to earn money online is by writing. There is no need to have perfect grammar skills or a padded portfolio to become a freelance writer. If you’ve written a personal blog, newsletter, or story in the past, you can use those samples of your work as examples of your work in the future. Start pitching your services to clients on the ProBlogger and Freelance Writing job boards to get the ball rolling.

Become a freelancer

There is no better way to sell your services online than to offer what you are already familiar with. Your day job probably involves managing social media, or if you have mastered the art of editing podcasts through working on your own personal podcast, then those are legitimate services you can offer to clients. There are several sites where you can find a network of professionals looking to hire freelancers with your skill sets, such as Fiverr, Upwork, and Freelancer.com.

Flipping Facebook Marketplace finds

There is a chance that you can purchase a piece at a good price, then turn around and sell it for a profit within a week if you find good deals. Keep an eye out for other flippable items you can sell in addition to furniture, such as clothing with tags, antiques, and vintage collectible items like baseball cards and gaming systems. Rob and Melissa of Flea Market Flipper, who make over $100,000 per year flipping yard sale hauls, have a flipping course that teaches people how to make the most money from their finds.

Take care of microtasks

There are many ways to make money online, but one of the simplest ways is to do microtasks. The downside of micro jobs is that they come with micro pay. It’s possible to earn a few dollars a month with Swagbucks by watching videos, playing games, and using the Swagbucks search engine. Users can also earn money by reviewing content, verifying data, or testing apps and websites on other micro job websites.

Make money on Etsy by selling your creations

It is widely known that Etsy is known for its variety of handmade and vintage items, but users have also seen success selling everything from handmade knitwear and upcycled jewelry to budget printables and home organization binders on the site. If you have a talent, you may be able to sell your crafts digitally and earn some extra income from your crafts, no matter what they may be.

Produce YouTube videos

Ads are YouTubers’ primary source of income, which range from $0.01 to $0.03 per view, or $3 to $5 per 1000 views. With Google AdSense, you can make money on YouTube by creating consistent, engaging content. You can start a creator account for free, but you must meet YouTube’s minimum requirements to monetize it.

You can sell gently used clothing

Making money online can also be done by selling things you no longer need. It may be more profitable for you to list your designer clothes individually on Poshmark or eBay if they are in high demand. The Clean Out Kit from ThredUP is also an option if your items aren’t in high demand or you don’t want to deal with the hassle of selling them yourself. As soon as they sell, pack up the bag and collect your earnings. Try Plato’s Closet or Buffalo if you want a local alternative.

Become a matchmaker

Love-seekers on Tawkify are matched based on shared values, interests, and other dating preferences. Matchmakers work one-on-one with clients to match them with handpicked matches based on these criteria. It is not necessary to have experience in the field to apply. On its website, Tawkify says it looks for matchmakers who are empathic, intuitive, and have high emotional intelligence (EQ).

Provide Asana training to business owners

Asana is a project management software that can help small and large businesses organize and manage projects and teams. Business owners hire Asana consultants to help them set up their teams, streamline and optimize their projects, and learn Asana’s best practices. Once you have worked with businesses for a year, you can apply to become an Asana Certified Pro. Asana’s Certified Pros page makes it easier for clients to find and hire you in your area if you have been certified. You’ll also receive in-depth training.

Become a drop shipper

Over the last decade, dropshipping businesses have become extremely popular ways to earn money online. The drop shipper sources products from manufacturers and sells them through its online store. An item is shipped directly to the customer’s home from the manufacturer when a customer places an order. Inventory will never need to be stored or orders will never need to be managed. One of the most popular eCommerce platforms, Shopify, offers a free 45-minute workshop on starting and launching a dropshipping business.

Develop an app

Creating an app doesn’t require you to be a software engineer or developer. Freelancer, Upwork, or Fiverr are excellent places to find someone with technical skills who can help you bring your idea to life. Alternatively, you can use a platform such as Build Fire or Appy Pie and create your app without knowing any coding. By displaying in-app advertisements, offering a premium version, or selling your app to a larger company, you can make money with your app.

Sell your old phones or unused technology

It’s quite possible that you hold on to all your old laptops and cell phones, even after you’ve upgraded to a newer model, even though you want to get rid of them. It is possible to change that by using Buyback Boss and sites like it, where you can sell your old electronics so that they can be reclaimed.

With Buyback Boss, you will receive an instant quote and you will be guaranteed to get the best price. In the event that you find a better deal on another website, send it your quote and it will match it, no questions asked.

Create a paid membership community

There are a number of reasons why membership sites are a great way to share your knowledge, build a community, and generate recurring revenue. It is common for a membership to include some form of core content, such as a course, as part of its package. Some of the ones that many people are members of also offer weekly or monthly content, as well as live coaching calls where members can volunteer to be coached in front of their peers.

You can sell your personal photos

You can make money selling images you don’t use on your camera roll if you enjoy taking pictures. Getting started is as simple as using your smartphone camera. You can get paid for selfies on some apps, while businesses can get paid for stock images on sites like Shutterstock and Adobe Stock.

Provide virtual interior design consultations

Among the most popular virtual interior design, Instagram accounts to follow is Galey Alix. Galey documents her interior design projects – a business she runs on the side of her full-time finance job. She proves that you don’t need a degree or experience to start a business or provide services in a new field.

Get started by working with family and friends for free. Make sure to document your work online and on social media, and gather testimonials. Creating service packages for new clients can be done once you’ve acquired some experience and a sense of your process.

Create your own eBook and self-publish it

New authors are increasingly turning to self-publishing. It is possible to sell your book through a blog or personal website if you already have one. Self-publishing through Amazon with Kindle Direct Publishing seems to be the most common method. Your book can be uploaded directly to your Amazon KDP account once you have written and formatted it.

Make a living as a voice-over artist

A voice-over artist is a person who provides their voice for professional audio work such as games, commercials, and cartoons. It may be an easy way for you to make money online if you have a voice that’s suitable for radio. A freelancing site like Fiverr or a niche website such as Voices.com is a good place to find voice-over work.

Creating and selling digital products

Selling digital products is another way to make money online with your know-how if you don’t have the time or don’t prefer to work with clients. Planners, templates, and workbooks are among the types of digital products you can create and sell. Through Pinterest, social media, or SEO-friendly blog posts, you can drive people to your digital products.

You can sell the produce you grow at home

There are several sites such as Facebook Marketplace that will allow you to sell your excess produce to friends and family if you grow your own vegetables or herbs.

Work in a call center

One of the best online jobs for people who work in customer service is to become a call center agent. Some of the companies that offer remote work in this field include U-Haul, Apple, and American Express. According to the company, this position can either be full-time or part-time, and training is typically provided, which means that no previous experience is needed in order to fill the position.

Work as a data entry specialist

Data entry includes entering hard-copy information into a spreadsheet or scanning documents into an online program. Data entry is an easy way to earn money online or from home in your spare time as it doesn’t require a specialized degree and pays upwards of $13 per hour. It is possible to find data entry jobs for all levels of experience on websites such as FlexJobs and Microworkers.

Selling T-shirts and designing them

You can make money online designing and selling your own T-shirts if you are creative or can come up with catchy sayings. You can design and sell custom shirts on sites like Teespring, Bonfire, and Printify without paying anything upfront. In a similar manner to dropshipping, you create your own storefront that features your own designs. Customers order products through the site, and the site creates and ships them for you. In order to make money online with this idea, you’ll need to promote your storefront, so having an online following, whether it’s on Instagram, YouTube, or any other social media platform, is helpful.

Provide consulting services

There is an inherent corporate connotation to consulting. As a virtual consultant, anyone with deep knowledge in a particular subject area could earn money. The work of a consultant is less hands-on than that of a freelancer. Instead of doing the work yourself, you offer your clients the expertise they need to make informed decisions. Experts in search engine optimization, for example, may consult with clients and teach their employees how to implement SEO strategies.

Become a coach in your field

Coaches help clients create their own plans of action, whereas consultants provide plans of action for clients. From Instagram marketing to personal finance and business, you can become a coach in any area that interests you. Booking and meeting with clients virtually can be made easier with the help of tools like Acuity and Zoom.

Become an online entrepreneur

Consider the problems you face or the complaints you hear from others. Do you think the solution could be turned into an online business? Is there a way to take your in-person business online if you already offer an in-person service? Couples can learn how to massage each other online through classes taught by a massage therapist, for example. The baker could host an online workshop about how to make their most popular recipes.

Offline Ways to Make Money from Home

There are some work-from-home jobs that do not require an internet connection. You can learn more about these free ways to make money from home by reading the following guides and resources.

Become a member of a food delivery service

Despite the fact that this isn’t technically a way to make money from home, delivering food or packages is a great way to earn extra cash outside of a full-time job. The average hourly wage for an Instacart shopper is between $10 and $20 per hour. Once you have been approved for this position, you will be able to start making deliveries on your own schedule as long as you have reliable access to a vehicle. In addition to free fuel points, shoppers also receive free memberships to Costco, BJ’s, and several other wholesale retailers.

Petsitting at your house

The Rover app has recently been used by a reader to make money from home by pet sitting. You can choose the services you offer and set your own rates with the company. Due to their remote work, they chose in-house doggy daycare and set their rate at $33 per day per dog. Their first client was John. They earned $56.40 for having him over for two days. They were satisfied because their dog did most of the work entertaining John and they got rewarded for it. (Rover takes a 20% cut.) Among the other services you can offer on Rover, you can walk dogs, board pets, and do house sitting.

You can rent out your space

Using space in your home that you’re not using as a rental is a great way to earn money from home. Renting out your space can be done in a variety of ways. In addition to Neighbor.com and StoreAtMyHouse, ShareMySpace and PeerSpace cater to events like parties, photoshoots, and meetings.

Provide daycare at home

You can make money at home by offering at-home daycare if you enjoy working with children and have time to care for several at once. Private daycares are preferred by many parents over public ones. For moms and dads who work remotely or stay home with their kids during the day, this is a great side hustle if you have experience working with kids.

Become a mystery shopper

Companies like Secret Shopper, BestMark, and IntelliShop pay workers to provide feedback on the products and services of a company. As an example, you might be asked to visit a local electronics store and ask a member of the phone department-specific questions about your experience, as well as complete a survey about your experience with the store. If you are interested in booking gigs online or in your local area, you are able to fill out an application with mystery shopping companies.

You can sell your favorite recipes

When your friends and family rave over your cooking, even if it is only one dish, you have the possibility of making money from home by capitalizing on your talent. Nikki Girard is an example of someone who did exactly that. As a result of trying to perfect her Haitian patty recipe, she turned it into a part-time side business that brings in $2,000 per month as a side income. In order to sell your creations, you will need to use social media and your personal network to do so. Depending on your state, you may be able to sell a certain amount of Cottage Food without requiring a license. Check your local laws for more information on the amount you can sell.

Repair neighbors’ broken gadgets

It may be possible for you to make money from home if you have a skill set or have general handyman knowledge. Talk to your neighbors to see if they would be interested in your services, and mention your availability in conversations with your friends and family. There’s no doubt that word of mouth is one of the most powerful marketing tools, but apps like TaskRabbit and Amazon Home Services are also great ways to spread the word.

Your phone can be used by companies to advertise

There is no doubt that advertisements are an effective way for companies to reach out to new clients. The more brands you are exposed to, the more revenue you will be able to generate, which means you can make money from home by allowing companies to use your belongings as a billboard for their product. There are a lot of sites on the internet that pay you to display ads on your car, while Slidejoy and similar apps charge you to display ads on the lock screen of your phone.

Provide bookkeeping services to local businesses

Your job as a bookkeeper will include things like inputting company transactions, reconciling bank records, invoicing customers, and running financial reports on a regular basis. In order to earn money from home as a bookkeeper, you do not need a degree in finance or accounting. The only thing you would need to know is how to use Quickbooks or another popular accounting software, and you would also need to have a basic understanding of accounting principles. A bump in your rates may be justified if you have completed any bookkeeping classes or certifications.

Organize and teach fitness classes

Your garage gym, spare bedroom, or even the living room can serve as a great space in which to hold yoga and fitness classes. In the event that you have a teaching certification, this is an easy way to make money from home. If you don’t have any previous experience in group fitness, ACE Fitness offers group fitness certification training starting at $350. Certification isn’t a requirement to become a yoga instructor, but it can give you a competitive edge in marketing your classes, as well as help your clients feel more confident in your abilities.

Your current employer may be willing to allow you to work remotely

You should consider bringing it up with your employer if you love your job but want the flexibility of working from home. In some cases, you may be able to negotiate a part-time remote arrangement that gives you some days in the office and some at home, depending on your role. Prepare your reasoning and any questions or problems your boss may have before the conversation begins. A mutually beneficial agreement is more likely to be reached if you have solutions prepared.

Be Prepared for Extra Money by Making a Plan Ahead

Earning extra income online is a great way to supplement your income. Unless you create a plan for your money before it comes in, if you want to escape a difficult financial predicament, you’ll end up in the same place. A monthly budget or spending plan can be helpful.

List your regular income streams: full-time salary, child support, etc. – any income that stays the same month after month. Add your side hustle income as a separate line item. Make a lower estimate than you think you can make so that you won’t end up going over budget. Taking your income into account, decide how much you should save, invest, pay off debt, and then spend the rest.

It is said that you manage what you measure. If you plan on making extra money online in your spare time, tracking where your money goes will be a good way to ensure the work is worth your while.

How To Make Money Blogging

How To Make Money Blogging
How To Make Money Blogging

When you are trying to figure out how to make money blogging and gain more exposure online at the same time, writing for other websites may be an excellent option. For example, guest bloggers can earn between $50 and $300 per post.

Also, try selling freelance services if you want to learn how to make money blogging without any investment. Due to the lack of inventory, starting a service-based business is more cost-effective than starting a product-based business. 

But in this article, we will primarily focus on earning money through your own blog.

Keep reading, and learn how to make money blogging for yourself.

A Guide to Making Money from Blogging

Blogging has virtually unlimited potential. It is not only monthly revenue that bloggers can earn. Many blogs are for sale on marketplaces such as Flippa, at prices that can reach six figures.

A lot of people take up blogging as a side hustle in hopes that one day they will be able to quit their jobs. Although it varies from blogger to blogger how long it takes to generate substantial income. 

Sadly, not every blogger is able to make millions of dollars through their website. There are two factors that determine the potential income from your blog:

Your niche: How much do people spend on products in your industry? Bloggers make money in a wide range of niches, from business software to pet accessories. However, not all niches are good.  For example, the software industry can provide lucrative commissions because many companies pay recurring commissions. There are small amounts that bloggers can earn each month after the customer made a purchase.

The monetization strategy: It is common for companies to pay bloggers for advertising placements on their websites. In exchange for a fee, lend them unused space on website pages.  However, in order to stay true to their core values, new bloggers must avoid some methods of monetizing their blogs. A good example would be not being paid to post content that you don’t agree with. In turn, this can have an impact on earnings potential.

Making money blogging doesn’t require any professional experience. Through trial and error, you can build your digital marketing skills by taking control of your website.

Display advertising is the fastest way to monetize a blog. Renting space on your blog to Google AdSense does not require specialized skills, but you will be paid for every 1,000 visitors that see the advert.

How to Make $1,000 Blogging

High-earning blogs share one thing in common: a close relationship with their audience. The more visitors to your blog and trust in your recommendations, the more likely you are to make money blogging.

If you want to make your first $1.000 online, blogging is a great way to do it. Choose a profitable niche, build an email list, and recommend affiliate products. By recommending products, you can make thousands of dollars per month.

The following steps will enable you to make money with your blog within a short period of time if you commit to following all the recommendations in this article.

As a result, the first $1,000 you make through blogging will probably prove to be one of the most challenging financial gains of your lifetime.

The fact that you can make $1,000 flipping hamburgers is without a doubt the easier option.

However, once you reach the $1,000 mark, the possibilities are endless.

Whether you are a total beginner or an experienced blogger, here are the exact steps you need to follow to earn $1,000 by blogging.

Step 1: Decide What Niche You Want to Blog About

One of the biggest mental roadblocks that we see is that people believe they need to come up with something totally original that has yet to be researched.

It is also possible to believe that the only thing you can write about is something you are fervently passionate about. Despite the fact that the internet is a very large place, we can assure you that there is room for everyone.

Is there anything you should write about?

You should treat every decision you make on your blog as a business decision if you are interested in making money from it. It is important to use some common sense when it comes to selecting a niche for your blog. The following points should be taken into consideration:

  • You should write about something that interests you. If you do not enjoy the process, you will eventually tire out and lose interest.
  • It is important to find something that other people are interested in as well. If you choose to write about Himalayan basket weaving for men, you are unlikely to gain many readers, and you will have difficulty earning a living. If you are looking for something that combines your interests with other people’s interests, try to find something that combines them both.
  • The topic you choose does not require you to be an expert in the field. In order to write an effective article, you should have a little more knowledge about your topic than your readers.

Step 2: Create Your Blog (If You Don’t Already Have One)

It is obvious that in order to earn money from a blog, you must first have a blog. Alternatively, if you already have your blog set up, you may skip this step.

In the event you have not yet begun your blog, I would like to first commend you for doing your research. The truth is that eventually, you are going to need to stop researching and begin executing. This step is intended to accomplish that objective.

WordPress may be familiar to you, but you may not fully understand what it is.

It is important to consider WordPress as the foundation for your blog. Content management systems (CMS) are among the easiest to use (and most powerful) in the world. The WordPress platform is what allows ordinary people, like you and me, to build and maintain a website without having to be web developers.

For you to get started with WordPress, you do not need any programming knowledge.

When it comes to starting your blog, there are two basic options: “Self-Hosted” on WordPress or “Free WordPress.”

If you are interested in making money through your blog, self-hosted WordPress is the best option.

It is true that you will have to pay for your own web hosting out of pocket, but going this route gives you much more flexibility when it comes to the design, usability, and monetization of the site.

Additionally, hosting is very affordable, especially if you take advantage of our coupon code with HostGator (use code ######### at checkout). As long as you have the right hosting plan, you shouldn’t have to pay much more than a few dollars a month for it.

The Difference Between WordPress.Com and WordPress.Org

Between WordPress.com and WordPress.org, there are a number of key differences.

You do not have much flexibility with the free version of WordPress in terms of making changes to your site. Moreover, WordPress actually owns your website if you use the free version (meaning that technically, your site does not belong to you at all). WordPress’ free version even makes your website link appear unprofessional; instead of a .com, your site will appear as “yourwebsite.wordpress.com”.

It is impossible for me to think of even one successful blogger (in terms of income) who uses the free version of WordPress.

It is recommended that you self-host your blog if you intend to make money blogging.

Step 3: Develop Helpful Content

By this point, you should have identified a niche that you are comfortable writing about, and you should have set up a blog to share your content.

It is now time for you to write some epic blog posts once you have established your blog.

You should be strategic when it comes to the type of content you write and the way you write it if you are hoping to earn income from your blog.

The following framework can and should be used for planning out your content, at least to get started. We are primarily interested in getting you into the habit of writing articles that you are confident your readers will find interesting. Writing for an audience of zero is not a good use of your time.

  • Find leaders in your field
  • Find out what the most popular content is on their website
  • Consider what is working for others when creating a list of post ideas
  • Put your own spin on content and speak your own language
  • Repetition is the key

It’s as simple as that.

The effectiveness of this strategy can be attributed to several factors.

It is because the leaders in whichever niche you are blogging about are already making money. It is likely to be a significant amount.

In our opinion, they have cracked the code, and there is absolutely nothing wrong with trying to emulate them.

Having said that, be cool. Be careful not to copy them verbatim.

How to Find Topics to Write About

It is also possible to come up with blog post ideas by finding out what people are already searching for. If the goal is to write content that people want to read, then finding out what they are looking for is another method. By implementing this strategy, you will be able to build free organic traffic from Google.

  • You can search Pinterest for phrases related to your niche and see what results you receive
  • Check out the “related searches” on Google after searching for a common phrase or problem
  • Make use of a free keyword suggestion tool such as UberSuggest

One of the common misconceptions bloggers have about SEO is that you have to purchase complicated and expensive keyword research tools. This is not the case, however. In order to find keywords for your articles, you can use completely free SEO tools. Moreover, these keywords should be ones that will actually help your blog rank highly on search engines.

If you are familiar with what people want to read, you will never run out of topics to write about.

Publish Content That Is Purposeful

You should always have a purpose in mind when creating content:

  • Affiliate marketing as a means of making money
  • Getting people to subscribe to your email list
  • Increasing the number of Facebook followers
  • Establishing your authority

It is important to remember that when you write anything. You should clearly state what action you would like your reader to take, and, if required, you should ask them to do it.

Practicing Makes Perfect

The process of determining what type of content to create requires practice. Most likely, you will write a number of articles that you later delete, and that is perfectly acceptable.

As you practice, write more articles, and get to know your audience over time, you will become more adept at creating high-quality content that users will enjoy.

The Best Way to Structure Your Blog Posts So That They Are Read By Your Readers

Whenever you write, it is most important that you do not use walls of text.

A blog post can be quickly ruined by using massive walls of text.

It is important to note that the way we were taught to write in school is not the way you wish to write on your blog. Using large paragraphs, pages, and pages of solid text, etc. is not going to entice readers to stay on your website for an extended period of time.

Therefore, there should be no long paragraphs. However, what about the structure? Are your blog posts written in the same manner as essays?

Both yes and no.

Again, the key here is to break up your articles into bite-sized chunks. You can use the following template:

  • The title should be catchy and entice the reader to read the book
  • A brief introduction, nothing fancy
  • The first item on the list or main pointer (H2 Header)
  • A paragraph or two discussing the above point
  • To make the article more engaging, include a picture, chart, etc.
  • The second main point or item on the list (H2 header)
  • A paragraph or two discussing the above point
  • Are there any other pictures? The choice is yours!
  • (Repeat all of the above for as many sections as necessary)
  • A concluding headline that ties everything together
  • Provide a brief summary of how the above items explain, help, or describe X
  • The call to action (such as sharing, commenting, subscribing, etc.)

You should write enough posts to fill the homepage of your theme (so that it does not appear empty). We will proceed to the next step.

Step 4: Decide Which Social Media Network You Want To Own

In the case of new websites, ranking high on Google does not happen overnight, however, Pinterest may be your secret weapon. When you are a new blogger, it is the best way to get your name out there.

The Best Way to Dominate Pinterest and Grow Your Traffic

For most new bloggers, the best way to get your first significant stream of consistent traffic is to focus exclusively, 100% on Pinterest. Your time would be best spent doing this at this point in your blog’s development.

If you wish to gain a step-by-step guide on growing your Pinterest traffic, we highly recommend checking out ” CREATE AND GO’S COURSE, PINTEREST TRAFFIC AVALANCHE “.

Establish a business account and set up Rich Pins

It is important that you do not build up your Pinterest profile for your website using a personal account.

Having a business account will give you access to Pinterest Analytics, as well as the ability to create “Rich Pins.” It’s also possible to pay Pinterest to promote your pins, but that’s not required.

With rich pins, you can add a bold link title to the description of your pin, making it stand out a bit more. It is very easy to get rich pins (and they are free, don’t worry). There is only one thing you need to do to confirm your website with Pinterest.

Make A “Best Of” Board

Following the creation of your business account, you will need to create your “Best Of” board.

Using this board, you will only be able to store pins that connect to the content on your own website. This is not the appropriate place for pinning other people’s work. It is possible (and advisable) to create a number of other boards in order to accomplish this.

You should keep in mind that other users will be looking for this board as part of their decision as to whether or not they wish to follow you. They will want to know what type of content you contribute to Pinterest by checking out this board. Be sure to include a large number of keywords in your board description to facilitate the search process for your users.

In a perfect world, you would like this board to contain at least 50 pins. Creating multiple pins for each blog post is advisable if there are not that many pieces of content.

Each Blog Post Should Be Pinned Multiple Times

The importance of this can be attributed to a number of factors.

As a first step, it is always advisable to conduct A/B tests. Even if you write the best blog post in the world, if I am not enticed to click on your pin, you have already lost your opportunity.

Don’t be afraid to experiment with different image backgrounds, different calls to action (CTAs), and even different keywords in your description.

Additionally, if you make multiple pins, you will be able to accumulate your total pin count on your Best Of board more easily. You should have a decent portfolio of pins when you apply for group boards since you will be expected to share some of them with the board.

The average number of pins I make for an article is two or three. However, there are instances in which we make as many as ten pins for an article if we believe it is a good one that deserves to be seen.

Make Your Pins Stand Out by Branding Them

Honestly, we think we could have done a much better job with this when we were first creating our blog pins. We simply had no idea what we were doing.

If you wish to be recognized on the platform, it is imperative that you have a solid branding strategy.

Many people use Canva or Photoshop to create their pins. It is up to you to determine what works best for you.

Become A Member of Group Boards

Pinterest’s real power lies in this area. In case you are unaware, the number of Pinterest followers you have does not matter much…it all depends on the level of engagement between your followers and you.

This can be accomplished through group boards.

Group boards are boards from someone else’s profile to which others have been granted access. Consequently, when you join a group board, you are given access to someone else’s followers for free.

Although group boards are no longer as effective as they once were, they may still prove useful when it comes to reaching a larger audience and bringing more traffic to your website, especially if you have fewer than 1,000 followers.

What is the process for joining these group boards?

In order to join a board, you should first create a list of the boards that you would like to join. The best way to do this is to look at what group boards some of the top accounts in your niche are contributing to. Alternatively, you may search for group boards related to different topics at PinGroupie.com.

The time you spend on every group board with a large following is not worth it. A tool such as Tailwind will provide you with information about the quality score and engagement of each board. Don’t waste your time contributing to a board where there is a significant amount of activity among pinners, but very little engagement among followers.

It is important to note that each group board administrator will have a different process for applying to their board. Some prefer that you send them an email, while others would like you to send a direct message, others wish to receive comments, and others do not provide any instructions at all.

In the case of a mass group board application, there are a lot of details to keep track of, so we recommend using a spreadsheet. As soon as you have finished creating your spreadsheet, you can get to work and begin contacting each of these individuals.

You may not hear back after a long time, and you will most likely never be added to their boards. It is just the way things are, and that is fine. Understand that rejection is just a part of the process. Cast your net wide and don’t be discouraged by rejection.

You can use the following outreach template to conduct outreach. However, you should keep in mind that board members receive a lot of requests like this. You will have a greater chance of being added if you personalize and unique your email (and if you can offer them something in return, bonus points for you).

Hello _________,

I was hoping to talk to you so we could see if you would be alright with adding me as a contributor to your ___________ ( link to the board, they may have several, and this makes it easier for them ) group boards.

I regularly talk about __________, ___________, and __________ on our website, and believe our content would be both intriguing and valuable to your readers. Furthermore, we enjoy promoting and highlighting other members of the community so that everyone can benefit.

My Pinterest profile: ____________

My Pinterest email: __________

Thanks a lot,

[Your Name]

Put Your Pinning on Autopilot

It is not possible for you to spend all of your time on Pinterest when you are busy building your blog or website.

The use of a Pinterest scheduling tool can be helpful in this situation.

There is software available that takes care of all the pins (as well as finding other people’s stuff to pin) for you, so you don’t need to manually pin all your pins to your group boards. This is an awesome feature.

We have used a number of different programs, but Tailwind has proven to be our favorite by far.

One of the best features of Tailwind is its ability to show you which group boards are performing best for you. By using this information, you are able to concentrate on what is working and eliminate what is not.

Additionally, Tailwind offers a feature similar to Pinterest group boards called tribes. You can think of a tribe as a group of like-minded bloggers within your niche. Each member of the Tribe adds content to the Tribe and pins content from other members.

It is not necessary to purchase the paid version if you are not yet ready to do so. Tailwind offers a free trial, but if you want to grow your traffic, you will eventually need to make the investment. We consider it to be one of the best investments we made for our blog early in its development.

Applicants Who Have Not Heard Back from Group Boards Should Reapply

The fact that you were rejected the first time does not mean you should give up. Your spreadsheet should be reviewed at least every few months for the following reasons:

  • It is possible that the board owner missed your direct message, email, etc.
  • There may have been a problem with your profile back then, but it has improved significantly since then.
  • It is possible that they simply forgot to include you.

It does not matter what might have happened the first time around, make sure you contact them again. There is no risk involved.

Make sure you do not use the exact same script and be courteous and polite at all times.

Step 5: Get Your Blog Monetized

I am sure that you were wondering when we would return to how to actually make money from your blog.

There is a simple truth about blogging: most bloggers do not make any money from their blogs.

The reason for this is that they skip straight to the “making money” steps without undertaking all of the necessary foundational work. Eventually, they give up when they do the blog monetization stuff and do not see any income.

How realistic is it to earn a living through blogging? Certainly realistic.

Is it easy to do? That is definitely not the case!


Making money from blogging requires patience. In light of what we have already said, the first $1,000 you earn on the internet is likely to be among the hardest money you ever earn. However, once you have overcome that hurdle, your income is virtually limitless. An initial investment of $1,000 leads to $2000, then $5000, then $10000, then $25000, then $80000+. There have been numerous instances in which this has occurred.

Cash Back Apps

Cash Back Apps
Cash Back Apps

Nowadays, there are so many cash-back apps available that it’s difficult to determine which ones are worth using and which ones should be avoided.

CapitalOne Shopping

What it is

This app and browser extension allows users to access coupons and deals on CapitalOne Shopping. Capital One acquired the company in 2018 after it was founded in 2014.

How it works

When you install the CapitalOne Shopping browser extension and shop online, CapitalOne Shopping will alert you when coupons are available, or when a lower price is found. The deal can be claimed by clicking the button on the CapitalOne Shopping pop-up.


  • It is easy to install and use
  • There are many ways to save (coupons, CapitalOne Shopping credits, local deals, etc.).
  • Price drops are alerted to you via the Watchlist feature
  • There is a low payout threshold ($5 for most gift cards)


  • There are fewer gift card options than on some other sites
  • Maintains a history of your online shopping

How to cash out

The CapitalOne Shopping website allows you to exchange your CapitalOne Shopping credit for free gift cards. In most cases, gift cards have a payout of $5 or less.

Referral program

Your unique link can be shared with friends and family to let them know about CapitalOne Shopping. However, it is unclear whether or not you will receive cash credit if you sign up.


What it is

The Swagbucks website and app are great rewards sites and apps that reward you with gift cards and cash when you perform everyday online tasks.

How it works

By shopping online, watching videos, taking surveys, playing games, buying gift cards, and using the site’s search engine, you can earn points (known as Swagbucks).


  • Earn cash and gift cards in a variety of ways
  • There is no limit to how many points you can earn per day


  • Many tasks have low payouts
  • It may take some time to earn enough Swagbucks to cash out (depending on the activities you engage in).

How to cash out

In addition to cashing out via PayPal, you can redeem Swagbucks points for gift cards to your favorite retailers once you earn $5 worth of Swagbucks.

Referral program

Get $10 when you sign up for Swagbucks today. You can also earn extra money by referring your friends and family. When someone signs up using your unique referral link, you earn 10% of their earnings.


What it is

The RebatesMe platform will quickly become your go-to choice when it comes to flexible, generous cash-back programs. By offering robust daily cash-back offers along with select “double cash-back” offers on many of its 4,000 popular retailers, the newer app is undercutting many of its peers.

How it works

RebatesMe has a very straightforward interface. Getting started is as simple as downloading their mobile app for iOS or Android, or grabbing their Chrome browser extension before shopping online. Thousands of daily deals are available immediately, you’ll receive cashback at your favorite stores, and you’ll be able to take advantage of their double-dipping section, where you’ll get $3 off (and earn additional rewards points) if you purchase gift cards to establishments you already plan to buy. There are so many ways to save money on everyday shopping — cash-back, discount gift cards, rewards points — it all adds up to steep savings.


  • Providing industry-leading cash-back in popular categories (luxury apparel, jewelry, health/supplements, sports/outdoors, electronics, etc.)
  • When shopping at a retailer, you’ll receive instant notifications about cash-back
  • The program protects you against cashback. RebatesMe will credit you for purchases up to $1,000 if you make a purchase through their site and don’t get credited (an industry-wide issue due to tracking complexity).
  • Once you sign up, you’ll receive an instant $5 bonus.


  • Occasionally, a smaller company with less exposure to big brands will get higher cash-back rates on other platforms.
  • Currently, the company is working on improving the functionality of the app, which is relatively new


What it is

Online and in-store purchases at partner retailers are eligible for rebates and cashback from Rakuten.

How it works

The website or app can be used by consumers to search for deals. You can automatically search for and apply promo codes and cash-back offers when you shop online with Rakuten’s browser extension.


  • App and desktop versions are both available for accessing the deals
  • Finding rebates is easy with multiple methods
  • Cashback is easy since there are a lot of partner companies


  • Cashback can only be redeemed once every quarter

How to cash out

Rakuten lets you cash out your earnings via check or PayPal, but you must have at least $5.01 to do so.

Referral program

Referring new members to Rakuten can also earn you money. People who do not currently own a Rakuten account are eligible for this offer.


What it is

Online discount codes are automatically found by Honey, a free browser extension.

How it works

Honey will provide you with discount codes whenever you shop online after you install the app. Searching manually is not necessary.

If there are any deals available before checking out, the Honey browser extension will notify you. Those will be applied to your purchase if they exist. Another feature, called Droplist, allows you to keep track of prices on specific items and receive alerts when prices drop.


  • All internet browsers are supported
  • It is compatible with iPhones and Android devices
  • Coupons and discount codes don’t have to be searched for; savings are automatic
  • In the case of large or expensive purchases, the price tracker feature comes in handy
  • With Honey’s rewards program, you can earn gift cards once you spend a certain amount


  • There is no guarantee that every discount code will be found
  • Appearance on all shopping pages
  • For Honey to work, the browser extension must be installed

How to cash out

Due to Honey’s use of coupons and discount codes, you will not receive a refund. There is no upfront cost to you. Once you reach 1,000 Honey Gold points, you can redeem them for gift cards with their rewards program.

Referral program

Whenever your friends and family make their first purchase through your referral link, you will earn Honey Gold. Honey Gold will be credited to your account for each friend you refer.


What it is

Dosh is another rebate app that gives you a cashback bonus when you shop at merchants that are part of their program using a debit card or credit card linked to the app.

How it works

In contrast to other cash-back companies, Dosh makes it easy to get cashback. It’s just a matter of downloading the app and linking it to your credit or debit card. You must scan a receipt and choose a deal with most other cash-back apps. The only thing you need to do with Dosh is to sign up and shop.


  • Easy and simple
  • There are no rebates or specific offers to redeem


  • The United States is the only country that offers this product
  • It is not possible to use a linked card on Dosh if you use it on another site

How to cash out

Your account must have $25 in it before you can redeem the funds. In comparison to other apps, the redemption limit offered by this app is a bit higher. PayPal or direct deposit are the two ways you can receive your cash once you reach that threshold.

Referral program

Each friend you refer to Dosh will earn you $5 extra. Partnering with businesses is also possible. In return for registering a business with the app, you will earn 20% of the business’s Dosh fees. When you sign up and link your card, you can also earn $5.


What it is

You can earn rewards for your everyday purchases using Drop, a free app.

How it works

You can earn rewards by downloading the Drop app, creating an account, and linking a debit or credit card. Drop’s partner brands will earn you points whenever you shop with them. In addition to referring friends, integrating other apps, and completing Linked or Mobile offers, you can earn more rewards.


  • Android and iPhone users can download it for free
  • An extension for the browser is available
  • Accepts both credit cards and debit cards
  • You can use your savings to buy gift cards
  • There is no expiration date for points
  • Since it’s linked to a credit card, rewards are automatic


  • You cannot redeem your points for cash (only gift cards are accepted)
  • Credit or debit cards are the only payment options
  • A limited number of cash-back options are available
  • Get the browser extension by providing an email address
  • Their customer service has been the subject of numerous complaints

How to cash out

One point is worth $1 for every 1,000 points. You can redeem 5,000 points for gift cards to Amazon, Starbucks, and Target once you reach 5,000 points.

Referral program

You can send referral codes to friends and family using Drop. Each of you will receive $5 if you complete the registration process. Referral codes are valid for a maximum of ten friends.


What it is

The Pei app offers cash back in the form of Bitcoin or cash back using a linked credit or debit card. With this app, you will be able to earn $5 just by signing up, and it is available for both iPhones and Android phones.

How it works

Your Pei account will be credited with cash when you purchase something from an associated vendor.


  • Bitcoin can be used to earn cash back
  • Among the brands, he works with are Lyft, Starbucks, and Target
  • Redeeming automatically


  • A minimum cash-out of $25 is required

How to cash out

To cash out, you must have at least $25. Bitcoin, PayPal, or gift cards can be used to redeem Pei points.

Referral program

Using your referral code, which you can find in the app, you can earn $5 for every friend who subscribes.


What it is

There are a lot of cash-back apps available nowadays, but Ibotta is one of the most popular. Ibotta has gained nearly 22 million downloads since its launch in 2012 and paid out over $200 million in cash back.

How it works

By using the app or website, you can search for grocery store deals and choose ones that you’d like to take advantage of. The deal might require you to complete a short task such as watching a video or answering a question. Using your linked store loyalty card or scanning your receipt will allow you to claim rebates after shopping.


  • Your account can be easily searched for and added to offers
  • There are usually plenty of deals to choose from


  • Deals must be manually selected in advance
  • Expiration dates may apply to offers
  • Cashback is only available if you scan your receipt within a week

How to cash out

Cash out via PayPal, Venmo, or a gift card to your favorite store once you earn $20.

Referral program

The first time you sign up and redeem an offer on Ibotta, you’ll receive $10 in your account. Through a personalized referral link, you can also earn additional cash rewards by referring friends and family. Whenever they sign up, you’ll get $5 added to your account. The offer must, however, be for a specific product. The bonus cannot be redeemed with their “Any Brand” offers.

Checkout 51

What it is

You can earn money back on your grocery shopping by scanning your receipts with Checkout 51.

How it works

Browse offers, shop, and download the free app. You can then get cash back by scanning your receipts. It is different from similar apps in that you don’t have to claim proposals from a specific store. It’s okay to shop anywhere you want as long as you get rewarded. Weekly updates are made to the offers.


  • Rebates and deals on produce
  • There are some items that qualify for bonus offers
  • A significant number of $1 deals are usually available
  • Their deals can be combined with other coupons and discounts
  • Every Thursday morning, we update our offers


  • You only have one week to take advantage of these offers
  • There are limited deals, so others will be able to claim them before you do
  • It is imperative that you upload your receipts quickly so that you don’t miss out on rebates if you forget to do so
  • Cash-out options are limited (only checks are accepted)

How to cash out

Upon reaching $20, you will be able to cash out and receive your money in the form of a check. PayPal and direct deposit are not options for receiving your money.

Referral program

Using a unique referral link, you can invite friends to Checkout 51. In exchange for them redeeming an offer, you will receive $10 cash back, and they will receive $2. An additional $3 will be earned by redeeming three more offers.

Fetch Rewards

What it is

Another free grocery rebate app is Fetch Rewards, which offers cash back on qualifying purchases.

How it works

Once you’ve finished shopping, scan your receipt into the app. In the event that a product qualifies for a rebate, Fetch Rewards will add the rebates in the form of points to your account.

These are classified as “special offers” which will earn you additional points. To claim an offer, you don’t have to pick it up in advance, and you don’t need to complete any additional tasks.


  • Easily accessible and free
  • Points can be earned in several ways
  • Offers cannot be unlocked through special tasks
  • You can claim rebates from grocery stores, drugstores, liquor stores, and warehouse stores like Costco


  • It is possible for offers to have specific requirements or limitations (for example, purchasing a certain number of items).
  • You may receive a small amount per offer
  • Offers are few and far between
  • Points can only be redeemed for gift cards; they cannot be redeemed for cash

How to cash out

Gift cards to major retailers such as Amazon, Target, and Sephora are available after you accumulate 3,000 points.

Referral program

After they submit their first receipt, you can earn 2,000 points for each person you refer to Fetch Rewards. With your link, you can refer an unlimited number of people.


What it is

Instead of spending money just to earn rewards, Shopkick lets you earn rewards by performing tasks. There are many easy tasks you can complete.

How it works

Purchasing items with a linked card, visiting stores, scanning barcodes for specific products, and shopping online all earn points or kicks. Cash out your points for gift cards once you’ve earned enough.


  • You can download the app for free and use it easily
  • Kicks are easy to earn
  • There are many rewards to choose from
  • It takes less time to receive a digital gift card


  • Gift cards are generally the only forms of payment accepted
  • Accumulate enough to cash out for a gift card, can take a long time
  • The app asks for a lot of permission, so you’ll need to disclose a lot of personal information

How to cash out

Get free gift cards from Target, Starbucks, Sephora, and Amazon by redeeming your kicks. Additionally, Shopkick might offer prizes such as cash or cash equivalents. There are a variety of options available, so you’ll need to keep track of them.

Referral program

Shopkick offers a unique referral code and link for inviting friends and family to use the app. Within seven days of signing up or downloading the app using your invite code or link, you’ll receive 250 kicks if they walk in somewhere or scan the app.


What it is

The MyPoints app and online survey site provide discount codes up to 40% off at nearly 2,000 retailers.

How it works

By shopping online, watching videos, taking surveys, playing games, and reading MyPoints emails, you can earn rewards. Amazon gift cards and 75+ other retailers are available for cashout.


  • It’s free
  • Points can be accumulated easily
  • Quickly receive your payment
  • You don’t need to provide a lot of personal information


  • There is a problem with the point-tracking system, which can lead to lost points
  • Available only to residents of the United States and Canada
  • Earnings may take a while to appear in your account

How to cash out

If you want to cash out with MyPoints, there is no minimum threshold, and you can receive cash or gift cards through PayPal.

Referral program

Every time a friend or family member joins MyPoints using your referral link, you’ll receive 25 points. Within 30 days of signing up, they must make a purchase of $20 or more in order to get an extra 750 points and 10% of their earned points.

Receipt Hog

What it is

You can earn cash back by scanning receipts from almost anywhere you shop with Receipt Hog, a free app for scanning receipts.

How it works

The only thing you need to do is download the app and scan your receipts. Besides playing mini-games through their Hog Slots, answering survey questions, and referring friends, you can also earn extra rewards and coins. You can also enter their monthly sweepstakes for a chance to win up to 5,000 coins with every receipt you submit.


  • Offers don’t need to be selected in advance
  • Receipts from virtually any store can be submitted
  • You can earn extra coins in plenty of ways
  • The possibility of getting actual cashback exists


  • Each day, only three receipts from the same store can be uploaded
  • Two weeks after purchase, receipts must be submitted
  • You will be asked questions about your trip that will be used for a market research before you can claim your coins

How to cash out

The coins you earn can be traded for Amazon gift cards, PayPal cash, and magazine subscriptions once you reach 1,000 coins.

Referral program

Receipt Hog’s referral program has been discontinued.


What it is

With Freebird, you can earn rewards for taking Lyft or Uber rides.

How it works

You download the app and connect it to your Uber or Lyft account. When you link a credit card to your Freebird account and make purchases with it, you can earn points.


  • By taking rideshare rides, you can earn rewards
  • On both the App Store and the Google Play Store, the app has high ratings
  • Is there a debit card that can be used for cash out


  • Have to select the rides and toggle between Uber and Lyft manually
  • Credit cards aren’t accepted for cash outs

How to cash out

Debit cards are accepted for cash-back redemption. Neither a prepaid card nor a credit card can be withdrawn for cash. Whether Freebird will make those options available in the future is unclear.

Referral program

You’ll receive $5 if you refer a friend, and they’ll receive $10 ($5 for each of their first two rides). It is possible to find your invite code in the Freebird app.

What You Can Do to Maximize Your Rewards

The following tips will help you get the most out of these cash-back apps:

Combine multiple apps: Since each app offers different offers, you’ll get the most money back if you combine them.

Referral programs and bonuses: If possible, encourage your friends and family to join these rebate programs. Your account will be credited with extra points or cash, and they’ll save money.

Use rebates and coupons together: Savvy shoppers are already using coupons. With the combination of discounts and rebates, you can put even more money back in your pocket. As long as you’re comfortable using credit cards for everyday expenses, you can also use this strategy with rewards credit cards.

Use the apps’ portals to shop: You’ll get bigger discounts and rebates when you purchase through the portal links. Make sure you’re only buying items you really need.

Be aware of the rules: Most apps and offers have limits, deadlines, and other restrictions. Be sure to follow them so you can take advantage of every offer. Make sure you scan receipts in a timely manner so you don’t miss out on cashback.

What to Look for When Choosing a Cash-Back App

Choosing the right cash-back app for you depends on where you shop, how often you shop, and how you like to earn rewards. Ultimately, you will find your favorite cash-back app by trying the ones you like most and seeing which ones you prefer.

If you are interested in more than one of these tools, don’t be afraid to sign up for them. Certain apps may offer better deals on the products you normally buy, or some may require more effort than you’re used to.

When selecting a cash-back app, keep in mind that it should simplify your life and reward you for the things you already do. You get a higher return on your time investment the less effort you put in.

Digital Product Ideas

Digital Product Ideas
Digital Product Ideas

An electronic product is one that is created, sold, and used electronically. You do not need to purchase anything physical; it is only available online, on your mobile device, or in a web browser.

Digital products are one of the easiest and best ways to generate passive income for a variety of reasons.

You can start for very little money. No inventory must be purchased upfront, no storefront must be rented, and no packages must be shipped. When you make a product, you can use free and inexpensive tools, and you usually only have to pay fees to the sales platform you use.

There is no active component to digital products. It is possible to make a product once and sell it repeatedly, regardless of whether you are working or not. Starting a business online can be a great way to make money, but it can also take a lot of time, and only a few clients may be able to use your services. Making money online is possible anytime, anywhere with digital products.

Scalability is one of the benefits of digital products. The number of hours you have in a day dictates how much income you can earn when you sell a service. Selling a digital product allows you to grow your business exponentially without adding more hours to your schedule.

Digital Products That Can Help You Make Money Online

There are different levels of passiveness in different types of digital products. It is possible to set up some systems and then forget about them, and there are other systems that need to be maintained. Generally, they can be divided into three categories:

  • Passive: You create the product once and sell it indefinitely. As a result, these products are typically less expensive and revenue may be sporadic.
  • Semi-passive: The product is passive, but you may need to market or update it from time to time. There is a greater opportunity for income with these high-ticket digital products.
  • Occasionally active: These products are usually subscription- or membership-based. Maintaining income at least once a month is more difficult, but it is more consistent.

The best way to generate passive income is to combine these three streams, and there are plenty of digital product ideas you can use to create a suite of products that fit your business and increase revenue.


Through eBooks, you can make passive income in a variety of ways if you enjoy writing. A series of fiction novels or a nonfiction book can be self-published on Amazon, an audiobook can be recorded on Audible, guided journals or coloring books can be created, or you can sell digital books online.

You can even make money by giving away your eBook by offering readers a special deal on a higher-priced service or digital product. Russell Brunson gives away his books for free (you just pay shipping and handling) to teach people how marketing funnels can grow revenue, and also sells software to help create marketing funnels.

Online courses

In today’s world, more and more people are discovering the value of online courses for learning skills and gaining knowledge. Post your course on an aggregator like Coursera or Udemy if you have a text, audio, or video-based course. Selling a course from your website using a platform like Teachable or Outschool may be a better option.

Do you think your expertise has already been covered in a course? Don’t let intimidation get the best of you. There is still a chance that people will be interested in what you have to say. As an example, there are many courses on freelance writing, but each offers a unique advantage. Your course is better than a course already available, which is why someone would buy yours.

Courses can be created for any knowledge or skill. Through several online courses, Alec Steele teaches blacksmithing to people.

It is common for courses to be “evergreen,” meaning their content remains relevant no matter when an event or date occurs. In most cases, these courses are completely passive, but you can often increase your income by “launching” your course during specific times of the year. It creates a sense of urgency and can increase sales if the offer is limited-time.


You can create a workshop instead of writing an eBook or creating a full course if you don’t have the time to write one. Hosting a live or recorded workshop, also known as a webinar, is something you can do once and resell indefinitely. In addition to being a lead magnet, the webinar can be used to sell a higher-priced product or service in the future.

If you record the webinar once, there is usually no need to update it unless the content or information needs to be changed. By setting up automated ads, you can drive traffic to your workshop and increase sales.

Guides or tutorials

Whether it’s archery or zoology, if you have experience or specialized training in something, you can make money selling short guides or tutorials that explain how to perform or learn it.

The difference between tutorials and workshops is that tutorials usually teach one skill, whereas courses usually teach several. It is possible to create a tutorial or guide in writing, through video, or through a combination of both.

Unlike a tutorial, this is a completely passive product because most skills won’t change often.

Membership site

Membership sites or monthly subscriptions are digital products that members pay for each month and receive something new each month. The idea of generating passive income by adding new content each month may seem odd, but there are ways to make it mostly passive.

Creating all your content upfront and releasing it monthly is an effective way to create content for the year. The course can be created as a monthly subscription that students pay for, and you’ll release content for a specified period of time.

Some digital product templates, such as video lessons, meal plans, and workout routines, can even be incorporated into a membership site. A membership site for KetoConnect members contains a wide range of courses, eBooks, recipes, and videos not available on the website. It also releases one new video every week.


You can make passive income by selling worksheets, checklists, schedules, games, coloring pages, and more. In addition to selling individual printables, you can bundle simpler printables into sets and sell them together.

Canva is a free service that allows you to create printables for free with no limit on how many copies you can sell. Printables are typically low-cost products that you can make for free.

Etsy is a great place to sell printables because you can profit from the traffic that’s already there without having to generate your own. Their printable wall art is sold exclusively on Etsy and they’ve already made close to 2,000 sales since the company started selling only in 2019.


Developing templates for printables, spreadsheets, presentations, and social media graphics can also generate passive income. It is possible to design templates in Canva, Google Sheets, or Slides for free and include instructions on how to modify them.

It is possible to sell them on your own website using software like SendOwl and on websites like Creative Market or Etsy.

Commercial-use music

The video industry is always on the lookout for royalty-free music and sound effects to use in YouTube videos, commercials, and even films. The licensing of your music for commercial use can generate passive income for musicians.

To generate repeat customers, you’ll need to keep creating new music, even if you create each track once and sell it indefinitely. There are several websites where you can sell royalty-free music and sound effects, including HookSounds and Bensound.


There are times when people don’t know what to say, whether they are negotiating a raise or writing a best man speech. It is easier to say everything you need to say when it matters when you use prewritten scripts for negotiations, speeches, sales calls, fundraising, and more.

Scripts like these can be sold on sites like Fiverr or through your own website. Mostly passively, Chloe Elise makes $75,000 a month from Deeper Than Money. A bundle of scripts she sells for negotiating lower prices on over 20 expenses is one of her digital products.

B-roll footage

During film and television production, B-roll is used as supplemental footage. B-rolls can be sold online for passive income without having to buy an expensive camera. YouTube’s popularity makes this possible. YouTubers on a budget can record B-roll on an iPhone to create an affordable B-roll.

Your videos can even include commercial-use music as meditations or background footage on YouTube. As soon as you reach YouTube’s monetization requirements, you will start earning passive income.

As with commercial music, you can sell one scene of footage over and over again, but the best opportunity for scaling comes when you have a wide selection of B-roll. Therefore, you’ll need to keep creating them until a database is created.

Mobile apps

Approximately 90% of the time we spend on our phones is spent using apps. Depending on what type of business you own, a mobile app may be an ideal digital product. In-app advertisements, affiliate links, or simply charging for downloading or using the app are all ways you can earn money.

It is possible to create an app using a service such as BuildFire or one of their templates without having any coding experience. Apps still need to be updated and added features to remain functional and motivate users to come back, but other than that, they are mostly passive.

It is $2.99 for users to have all of Beth Moncel’s recipes at their fingertips with her mobile app, Budget Bytes.

Plugin or extension

You probably know about plugins if you have a website. In this case, it’s likely you use Google Chrome and have installed or downloaded browser extensions. It is possible to charge for some plugins and extensions, but most are free.

It is possible to earn quite a bit of passive income as a result of a WordPress plugin or Chrome extension that uses an algorithm to perform otherwise arduous tasks quickly. The Chrome extension that Spencer Haws developed that did exactly that made him over $4,000 in just one week.

To keep the plugin or extension functioning properly, you’ll need to update it regularly, but other than that, it will earn passive income.


In addition to websites, social media, advertising, and YouTube channels, businesses use stock photos for a variety of purposes. Your photos can be sold on a stock photo site or you can create your own stock photo subscription service. A smartphone camera should be sufficient for selling photos, too; you don’t need expensive equipment.

If you want to generate passive income from selling your photos, you can upload them to sites like Shutterstock or Adobe Stock or create your own. Your own site is a great way to build a portfolio for digital products, but you’ll have to continually update it in order to make the most of it.

Animations and vectors

Although stock photography remains the most popular choice for websites, more and more blog owners and site owners are turning to animations and vectors to stand out. You can sell animations and vector images on websites that sell stock photography or you can create your own subscription services if you can design them. Adobe Illustrator or Canva are programs that you can use to design your images.

Invest in a library of images that you can sell for passive income or update your offerings regularly and employ some marketing strategies to convince businesses to use animations and vectors instead of stock photography.

Website themes

A premium theme makes it much cheaper to build your own website than to hire a website designer, which is why many bloggers and website owners prefer to do it themselves. You can earn passive income by creating and selling premium WordPress, Wix, and Squarespace themes through your website or a marketplace such as ThemeForest to businesses on a budget.

You may not need to do much work in order to build premium website themes, but you will have to keep the themes updated so that they continue to work correctly.


Wedding planners, event planners, and business owners can purchase fonts designed by calligraphers and hand letterers to use on invitations, flyers, and even menus. Adobe Illustrator or Photoshop can be used to make fonts that you can sell on sites like Creative Market or MyFonts without having to update them.


Selling blueprints for home projects is a passive way for you to make money if you have some construction experience and can measure accurately. Creating multiple designs for treehouses, pergolas, dog houses, and chicken coops is one of the most popular DIY projects.

Businesses that are typically service-based can easily generate passive income by selling PDF downloads of blueprints. In order to create blueprints, you will need software, but you can quickly recoup that investment by selling the plans you create.


In spite of social media’s dominance of visual content, it is not entirely created by photographers and videographers. For photography editing sliders, presets provide a predetermined position that will give you the edited look you want.

People can post captivating images without much effort by using presets for Lightroom, Photoshop, and other apps.

Using an e-commerce platform like WooCommerce or Shopify, you can create a preset once and sell it from your website. There’s no need to update presets since they’re versatile and do not depend on seasons, but you may want to promote them on social media.


Planning meals, exercising, setting goals, and managing finances are some of the things that planners help people with. If you own a store or a print-on-demand site, such as CreateSpace or Lulu, you can sell printable PDFs or physical planners. The Shopify store and website of blogger Sarah Titus have earned her over $10 million in sales.

The undated planner is completely passive, with the exception of automated advertising. Creating semi-passive businesses selling dated planners or subscribing to new planners every month is another option.

There Is Never a Shortage of Digital Items

Creating digital products can provide a passive income without the hassle of inventory, storage, or shipping. The market for your products is global, and you can sell them at any time.

Developing digital products around a service you provide can help your business scale and grow.

Money Saving Apps

Money Saving Apps
Money Saving Apps

Saving cash is primarily to prepare for an unexpected expense or financial emergency. Saving money through money saving apps is becoming increasingly popular over the past few years.

Best Money Saving Apps

A lot of apps are available to help you manage your money and improve your saving habits. The three major types of money-saving apps are those that assist you toward a goal, those that assist you while shopping, and those that assist you in cutting back expenses. Some, some, or all of these might be necessary, depending on your goals and preferences.

It’s easy to get overwhelmed by the array of apps that claim to earn you cash back or save you money. Others offer great services, while others are fee traps. Here are some things to look for based on your needs. Our discussion of the best money-saving apps in each category is intended to help you make the most informed decision.

Apps to Automate Your Savings

Keeping your money in the bank is important, but finding the motivation or even remembering to do so can be difficult. There are several apps that help you save money in a way that works for you. Your spare change goes into a savings account if you use apps that round-up change, for instance.

In most cases, you will need to download the app, create an account, and link your credit card or checking account.

Acorns: The best investment for new investors

You can invest your spare change in an investment portfolio with Acorns, an app that rounds up your purchases on linked credit and debit cards. When you invest in small changes, your round-ups can increase by two times, five times, or even ten times. Alternatively, you can set recurring deposits every day, every week, or every month.

Acorns ask about your financial situation, income, goals, and risk tolerance to determine the right investment portfolio for you. The system will then choose one of five ETF-based investment portfolios for you, but you can override the recommendation.

You can earn cash back when you spend with Acorns’ partners, such as Airbnb and Nike.

In the long run, you might want to upgrade to another service if you want to make bigger investments.

Available on: iOS and Android

Price: $1–$5/month

Qapital: The best tool for setting goals

Occasionally, you need some fun to motivate you to complete a chore. When you use Qapital, you can set up multiple rules to trigger savings, such as saving a preset amount when you post to Instagram or when you spend less than you anticipate. A more straightforward approach would be to save a percentage of your paycheck each pay period.

In addition, you have the option of investing the money in an interest-bearing FDIC-insured account or portfolio. It’s a solid app for setting goals because it provides so many ways to save and track progress. In an average year, users save $5,000, according to the company.

Available on: iOS and Android

Price: 30-day free trial, then $3–$12/month

Simple: The best alternative to banking

Savings app Simple offers free checking, debit card, and budgeting tools in addition to a savings account. You can use the app to help you avoid overspending by checking your available funds and finding out how much you can safely spend each week. Your savings can also be automated by rounding up every debit transaction to the nearest dollar and automatically moving the money to an FDIC-insured account.

Those who prefer smartphone banking should consider Simple banking accounts since they are mobile-first. In the event that you need in-person assistance, you might want to look elsewhere since it doesn’t have brick-and-mortar branches.

Available on: iOS and Android

Price: Free

Digit: The best option for simplicity

Digit is an app that calculates how much you can save based on your checking account balance, spending patterns, and goals you set. The money is then automatically transferred into an FDIC-insured savings account and distributed to your goals. Additionally, Digit gives you a 0.5% savings bonus every three months based on your average daily balance. Therefore, if you earn $5 a day and your average daily balance is $1000, you would earn $5 a day.

In addition to simplifying legwork, Digit is easy to use. Digit’s number-crunching can save you a lot of time and money by keeping track of your income, expenses, and spending.

Available on: iOS and Android

Price: 30-day free trial, then $5/month

SmartyPig: The best way to save money for free

With SmartyPig, you can create multiple money market accounts that function as virtual piggy banks. You can either automate your savings from your linked checking account or manually transfer money into the FDIC-insured accounts. You can attach goals with deadlines to each, such as “Europe trip 2021, $3,000′′. In addition to tracking your progress, SmartyPig also allows you to adjust your goals at any time.

The app is easy to use, and since it takes a few days for withdrawn funds to reach your bank account, the buffer can keep you from draining your savings. The best thing about it is that it’s free.

Available on: iOS and Android

Price: Free

Twine: The best option for couples

The Twine app lets you add a partner to your financial goals, such as saving or paying off debt. With your partner, you can invest the cash in a portfolio of your choosing or save it in an FDIC-insured account.

You can track your progress, receive recommendations based on your financial goals, and automate the savings process if you prefer to go hands-free.

You can share goals with another person, which makes it useful if you want to invest or save together, but you don’t necessarily share other financial accounts.

Available on: iOS

Price: Free when you save cash; $0.25 per month for every $500 you invest

Chime: Ideal for people with spotty banking records

Chime is not a bank, but a financial technology company. Stride Bank, N.A., and The Bancorp Bank, N.A. provide banking services and issue debit cards.

There is another money-saving app, Chime, that offers checking and savings accounts as well as other banking services. By using the app or a browser, you can automatically save a percentage of every paycheck. You can also ask Chime to round up your purchases and save the remainder.

The bank does not run a credit check or consult your ChexSystems report before you open an account at Chime, making it a good option for people with spotty banking and credit histories. In addition to zero overdraft fees and monthly maintenance charges, the bank’s “second chance banking” program does not require minimum balances.

Available on: iOS and Android

Price: Free

Peak Money: The best way to set goals visually

Peak is an app that helps users save money through goal-based savings. Peak keeps track of your financial progress by incrementally filling in digital mountains (“peaks”) for each goal you’re aiming for.

The return on any money you save is distributed quarterly and you can set up automatic transfers or round up credit card purchases.

In order to achieve your savings goals, Peak can help motivate you as you see how much you’ve saved.

Available on: iOS

Price: Free

Capital One Shopping: The best browser extension

Capital One Shopping alerts you to better prices for your online purchases through a free coupon app and browser extension. Capital One Shopping will send you pop-up notifications whenever you visit a site that offers discounts once you install the extension.

The app can even scan barcodes and check prices on the spot if you’re shopping at a physical store. It’s an easy way to save money on everyday online purchases.

Available on: iOS app; Google Chrome, Mozilla Firefox, Microsoft Edge, and Safari browsers

Price: Free

Swagbucks: The best way to earn rewards

By taking online surveys, playing games, shopping, and watching videos, you can earn Swagbucks rewards. The site looks for demographic matches based on your profile survey after you register for an account and complete the profile survey.

When you complete these tasks, you earn SBs, which you can redeem for gift cards. Shop at Swagbucks partners, such as Amazon, Walmart, Target, and Starbucks, for even more chances to earn SBs.

Available on: iOS and Android

Price: Free

Fetch Rewards: Simplest to use

Take photos of your receipts to earn rewards with Fetch Rewards, a free mobile app. Depending on the cost of the product, you’ll earn points if the receipt contains participating brands. In addition to redeeming points for gift cards, you can donate them to charities and enter monthly sweepstakes using them.

In addition to preventing your browser from tracking your searches and purchases, it also lets you earn rewards for completing tasks and doesn’t require you to deal with coupons (even digital ones).

Available on: iOS and Android

Price: Free

Trim: The best browser service for saving money

In short, Trim helps you negotiate your bills and eliminate unused subscriptions, like those pesky trials you forgot to cancel. You’ll have to connect your bank accounts online since there’s no app.

Then, Trim helps you identify recurring expenses by analyzing your transactions. In the event that you don’t wish to keep recurring services, Trim can cancel them for you or negotiate your bills with the provider on your behalf. You will be charged 33% of your savings in your first year if you save money with Trim.

Available on: Your smartphone’s web browser

Price: Free to set up; if you use bill negotiation, Trim takes 33% of your savings

Truebill: Best app for hands-on savings

In Truebill, your financial accounts are connected, and you can monitor your spending and expenses. You can then negotiate your bills for free. There are a few key differences between it and Trim. Regardless of whether you save money, both services take a percentage of the savings. In addition to its 40% fee (instead of Trim’s 33%), Truebill provides full budgeting capabilities, along with a monthly spending report.

Truebill and Trim differ greatly when it comes to the convenience of using them: Truebill offers an app, while Trim does not.

Available on: iOS and Android

Price: Free to set up and use; optional Premium service is $3–$12/month.

Empower: The ultimate app for all your needs

The Empower app has features that combine some of the best elements of other money-saving services, such as Cash Advances of up to $250*, Automatic Savings, budget tracking, customized recommendations, and Interest-bearing Checking. The app analyses your account balance every day and transfers money to your AutoSave Account when you can afford it after linking it to your checking account. In the event that there are not enough funds in your checking account in one week, Empower will try again the following week.

In addition to analyzing your spending patterns, income, and expenses, Empower provides you with tailored money-saving recommendations. You will also be notified if your account is overdrawn, if your bill has increased, and if your payment has been missed.

Despite the absence of multiple savings goals, this app provides many other features that more than compensate for it.

Available on: iOS and Android

Price: Free for 14 days, then $8/month

Tiller: The best spreadsheet budgeting tool

With Tiller, you can customize your budget in Google Sheets and Excel. After connecting your bank, credit card, and other financial accounts, Tiller pulls that information and continually syncs it.

In addition to checking your net worth, you can divide your transactions into over 200 categories, share your spreadsheets, and more with the Foundation Template. In addition to providing a comprehensive overview of all of your accounts, this tool does not automatically trim expenses.

It shows you the percentage of your monthly budget left compared to how many days are left in the month as well as how much is allocated to each category. The spending tab lets you adjust what you’re spending or how much money you allocate to a specific category of spending based on your budget.

Available on: No app available; uses Google Sheets or Excel

Price: Free for 30 days, then $79/year

Undebt.it: The best way to pay off debt

You can create a customized debt-payoff plan using Undebt.it. Using the site, you enter the debts you owe, their interest rate, the monthly payment, and the due date. Your debt repayment plan is calculated by Undebt.it uses the information on your easy-to-read dashboard.

Debt-payoff strategies vary widely and determining which one is right for you might be difficult. You can compare several debt-payoff methods on Undebt.it, including the “debt snowball” and the “debt avalanche” to see which is the best option for you. You can also customize your plan based on your own preferences.

Undebt.it says users are paying off $9 billion in debt using the service.

Available on: Web browsers

Price: Free; $12/year for the premium version

Do You Need to Pay for An App to Save Money?

Even though paying for money-saving apps seems contradictory, they are worthwhile if they help.

Identify the app that best suits your spending and saving style first. Choose an automatic savings app that offers guidance if you want to learn how much you are spending, how to cut back on your expenses, and how to save money automatically. However, if you like to be in control, then a hands-on app is what you need.

Comparing the price of the app with the estimated savings will help you determine whether it is worthwhile. Start with a free service and then upgrade once you have some money set aside if you’re on a tight budget. A savings or budgeting app might be a good place to start, and then you can upgrade to a shopping app if you have the time and money.

The best money-saving apps assist you where you need them, so you can reach your financial goals more quickly.

Survey Junkie Review

Survey Junkie Review
Survey Junkie Review

In this article, we will help you determine whether Survey Junkie is a legitimate company and how much money you can expect to earn from it. You should know this: taking online surveys will not make you rich.

However, this does not mean that Survey Junkie is not worth your time. Are you ready? Let’s start from the beginning.

How Does Survey Junkie Work?

Taking online surveys might not be the best way to make money, save for a major goal such as buying a house, or make ends meet if you’re looking for a way to make ends meet.

While you may be limited in time, if you are looking for a way to earn some extra spending money while riding the subway to work, watching Netflix, or waiting in line at the grocery store, Survey Junkie may be able to help.

Users of Survey Junkie are paid for completing online surveys as part of a free online community. Having a voice in big brands – helping to shape the world is the mission of the site.

Essentially, well-known companies hire Survey Junkie to conduct research on their target audiences and test new product ideas. Consequently, they avoid wasting money on products or services that may not be successful. During the survey process, you will have the opportunity to contribute to the formulation of product ideas, and Survey Junkie will pay you a portion of its earnings in return.

Earn Extra Income in A Simple Manner

In general, surveys pay between $0.50 and $3 per survey.

With Survey Junkie, you can take paid online surveys in a simple and convenient manner. Most surveys take between one and twenty minutes to complete and are worth between ten and ninety points. Your earnings can be redeemed for PayPal cash or electronic gift cards once you have reached a minimum of 1,000 points.


  • The account creation process is free and simple
  • There is no need for special skills or installation
  • New surveys are available on a continual basis, and eligible participants will receive an email notification
  • PayPal or electronic gift cards are available as payment options
  • Answer screening questions to earn points
  • A comprehensive FAQ section and excellent customer service


  • Survey Junkie does not have a mobile app, so surveys must be completed on a computer instead
  • There may be redundant questions in a survey
  • Some surveys may not be suitable for you

What Is the Legitimacy of Survey Junkie?

In the first place, let’s talk about what makes a survey site legitimate: a positive history, a genuine way to earn money, and no unscrupulous practices.

It was founded in 2011 in Glendale, CA. Survey Junkie has an accreditation from the Better Business Bureau, with a B rating. A BBB website says the reason for the company’s rating is that it received over 280 complaints from customers, which seem to have been resolved.

Trustpilot also rates it 4.5 stars. The overall rating of Survey Junkie is positive, with more than 12,800 reviews.

Users report earning real money with its surveys, despite its website’s honest statement that “you won’t get rich by taking surveys.”.

How Much Does Survey Junkie Pay?

A typical survey pays between $0.50 and $3. A few minutes of your time can earn you $1.50 to $12 per month if you qualify and complete three surveys every week. You may be able to earn an additional $5 to $150 per focus group or product testing that you participate in if you qualify.

It is impossible to estimate how many surveys you will qualify for or how much money you will earn. Depending on your demographics, the companies Survey Junkie is working with, and what products and services it is testing, the answer will vary.

According to this information, Survey Junkie offers an opportunity to earn extra income in your free time, especially if you do not have much time to dedicate to a side hustle.

How Safe Is Survey Junkie?

There is no guarantee that a site like Survey Junkie is safe just because it is legitimate. In spite of this, Survey Junkie is both.

User responses are aggregated by Survey Junkie before they are shared with third parties. Despite its privacy policy, “Aggregated data does not include personally identifiable information.” This means that your name, email, and other personal information will not be disclosed to third parties.

When it comes to transferring your earnings to your account, you can either use PayPal or an e-gift card if you are concerned about sharing your bank information.

What Is the Survey Junkie Process?

Having determined that Survey Junkie is a legit company and how you can earn money, let’s examine the specifics: how to sign up, earn Survey Junkie rewards, and redeem them.

Sign up for a free Survey Junkie account

The registration process with Survey Junkie is free and only takes a few minutes. You may create your Survey Junkie login using your Facebook or Google account or by manually entering your email address. A confirmation email should be sent to you within a few minutes. Once you have logged in to Survey Junkie, you can begin earning rewards.

Points can be earned by participating in Survey Junkie

You can earn rewards through Survey Junkie in a number of ways. In addition to completing your profile questionnaires, you can also participate in paid surveys, phone surveys, test products, or participate in online or in-person focus groups.

Based on our personal experience, what Survey Junkie claims you will earn, and the experiences of other Survey Junkie users, the estimated potential earnings of Survey Junkie are provided below. There may be a variation in actual earnings.

Surveys should be taken

A maximum of 1 – 150 points can be earned (1,000 points = $10 USD).

Taking online surveys is the primary means of earning rewards with Survey Junkie. You will see a list of available surveys on your dashboard when you log into your Survey Junkie account. There is a description of each questionnaire along with the number of points it is worth and how long it should take to complete.

When you select a survey from this dashboard, you will be redirected to a third-party website. Clients who hire Survey Junkie have slightly different sites: how they look, how they ask questions, etc.

There is typically a qualifying question on the first screen to ensure that your demographics match the survey’s. You will receive an invitation to participate if you do so.

For answering the screening questions, Survey Junkie usually awards you a few points even if you do not qualify. In the same way, if you qualify but the survey is already full, you will still receive a few points for participating.

Survey Junkie will notify you when new surveys are available. You do not need to visit the website to determine whether it is worth it. It includes an indication of how long it should take and how many points you will be able to earn.

Surveys over the phone

Earnings range from $5 to $100

A telephone survey is similar to an online questionnaire, except that the researcher conducts the survey over the phone. Initially, you will be asked to complete a short online survey. After that, you will be contacted by a researcher who will ask you about your experience with the product or service.

Typically, these are only available once or twice a month.

Products to be tested

Earnings range from $5 to $50

Depending on whether you qualify for the current study, product testing opportunities may be available once a month or less. You will first be required to complete a brief online survey if you are selected to test a product.

Upon completion, you will receive a free product in the mail to use and keep. A set period of time will pass before Survey Junkie asks you to complete a more detailed survey regarding the product and your experience with it.

Participate in focus groups

Earnings range from $25 to $150

In addition to conducting focus groups in person, online focus groups are also conducted. You will first need to complete a short survey, similar to other opportunities available on Survey Junkie. Your invitation to the panel will be sent if you qualify.

It may be necessary for you to use a webcam to participate in online focus groups. Upon agreeing on a time, you will have a phone conversation with other users to discuss the product or service. Regardless of whether they take place in person or online, focus groups are Survey Junkie’s highest-earning opportunity.

The Survey Junkie Pulse browser extension should be installed

If you install the Survey Junkie Pulse browser extension for at least 30 days, you’ll receive additional points. Your search history is analyzed by SJ Pulse in order to match you with additional surveys based on your interests.

Once you have installed the SJ Pulse extension, you should be able to browse as usual. Whenever a new survey opportunity is available, you will be notified.

There is no connection between the Survey Junkie site and SJ Pulse. As a result, both platforms will not display the same surveys.

You do not need to be logged into your Survey Junkie account to use the extension, and no personal information is collected.

Rewards can be redeemed

You will be able to see your points on the left side of your account. Clicking “lifetime points” will allow you to view your earning history and determine how many points remain before you are eligible to redeem them for Survey Junkie rewards.

With Survey Junkie, every 1,000 points you earn is worth $10. After you reach 1,000 points, you can cash out, exchange your points for e-gift cards, or deposit your earnings directly into your bank account. Bank transfers and e-gift cards are only available to participants in the United States.

Your rewards can only be redeemed in $5 increments if you choose an e-gift card. It is necessary to cash in your entire earnings in order to redeem your rewards using PayPal or a bank transfer. Partial payouts are not possible.

There is no expiration date on your gift cards, so you can use them whenever you wish.

An Application Called Survey Junkie

You’ll want to download the Survey Junkie app if you like taking surveys online and earning rewards on the go. In addition to being intuitive and easy to use, the app offers the same features as the website.

There is no change to the navigation menu. There are many things you can do on the Survey Junkie app, from taking surveys, viewing your points, having fun with tutorials, reading FAQs, and updating your profile questionnaires.

What Survey Junkie Can Do for You

You can earn some extra cash with Survey Junkie’s intuitive interface, helpful FAQs, and email notifications.

Easily understood and easy to use

Watching videos and playing games are some ways to earn points on survey sites. You can earn rewards by completing surveys with Survey Junkie. Additionally, every 1,000 points is worth $10.

In addition, Survey Junkie has an intuitive, clean interface that makes it easy for users to complete surveys. It won’t take you long to become familiar with the platform even if you have never participated in an online survey before. Furthermore, online surveys do not require any special skills or software, making them accessible to most people who wish to earn an additional income.

Notifications via email

Survey Junkie will notify you via email whenever you qualify for new survey opportunities. Therefore, you will not have to worry about constantly checking your account or missing out on opportunities to earn rewards.

You will still earn a few points if you complete the screening questions and do not qualify, or if the survey has already been filled.

Options for flexible rewards

In order to cash in your Survey Junkie rewards, you have three options:

  • A PayPal account is required
  • Transfers by bank
  • Gift cards that are electronic

Depending on the site, you might have to mail a check or use an e-gift card. The advantage of Survey Junkie is that you can choose the option that is most convenient for you.

The payout threshold is relatively low

Earnings from Survey Junkie can be cashed out after accumulating $5 in points. Comparatively, that’s pretty low. There are some reward programs that require only $3 or $5 to redeem rewards, while others require a minimum payout of $20 or $50.

Most new members should be able to reach the payout threshold within two or three months of joining. In some cases, the process may take less than a month.

Providing excellent customer service

Asking questions is easy with Survey Junkie. To access the frequently asked questions page for this website, click the “help” button on the top navigation bar of the site.

There are various categories of questions, such as membership questions, survey questions, point questions, and redemption questions. You can fill out a short form below the FAQs if you can’t find the answer you’re looking for. Within 48 hours, a member of the Survey Junkie team will contact you.

The Disadvantages of Survey Junkie

There is no one-size-fits-all when it comes to Survey Junkie. You may be held back by the following factors.

Questions that are redundant

It is likely that you will be asked the same types of questions over and over again on most survey sites. If you complete your profile information accurately, you may be able to avoid some of these problems. If you answer the same question multiple times, you might end up not qualifying for certain surveys because you are required to answer the same question multiple times.

Possibly ineligible for surveys

According to Survey Junkie, one out of every four members is eligible to participate in a survey. Therefore, you will probably spend a lot of time answering qualifying questions only to be turned away in the end.

No matter what, you’ll still earn a few points, usually between 1 and 4, even if you’re not able to take part in the survey. That’s a difference of $0.01 to $0.04, which is the equivalent of a penny.

You may be eligible for even fewer surveys if you do not fit the consumer profile the company is looking for. In some cases, you might not receive a new survey opportunity for a number of days or even weeks.

Complaints from users

Users most commonly complain about difficulties cashing out their earnings from Survey Junkie. Survey Junkie was unable to verify the identity of some respondents. It has been reported that some users attempted to cash out their earnings but did not receive a gift card. Others have complained that their accounts have been flagged as fraudulent and that they have been banned from the site.

Providing consistent answers in all your responses is the best way to avoid being flagged for fraud. In the event that your profile indicates that you make $50,000 to $60,000 per year, but you respond to a survey with a salary of $70,000 to $80,000, Survey Junkie may catch the discrepancy and conclude that you are attempting to game the system.

Potential earnings are limited

It isn’t possible to make money from Survey Junkie, as it is with any survey site. On its website, it makes this very clear. Online surveys are not the only way to make money. There are many other opportunities as well.

It’s still possible to earn extra spending money by taking surveys, though, if you’re looking for an easy way to earn some cash.

What Is the Value of Survey Junkie?

Many people complain that survey sites don’t pay enough for the time spent completing surveys. The amount of time it takes you to complete a survey will vary depending on the number of surveys you qualify for, your goals, and how much you value your time.

There is no guarantee that you will be able to earn a few hundred dollars per month by taking online surveys if you are interested in making money fast. If, on the other hand, you just want an easy way to earn a few extra dollars while watching TV or on your lunch break at work, then Survey Junkie could prove to be well worth your minimal effort if you are just looking for a quick and easy way to earn some extra cash.

In spite of the fact that Survey Junkie won’t allow you to quit your job, it can be a safe and legitimate way to make a little extra money each month without quitting your day job. In the event that it doesn’t work out, there is no risk involved, as it’s free to sign up.

In the event that you do not find Survey Junkie to be a good fit for you, you can easily unsubscribe from the emails or contact Customer Support to have your account permanently deleted.

How To Save Money

How To Save Money
How To Save Money

The desire to save more money is something that almost everyone has thought about at some point in their lives.

It is important to realize, however, that saving money and learning how to save money are two very different things. The goal of long-term wealth is a goal for many of us, and we wish to develop better financial habits. In spite of this, we often fail to take those initial steps.

A challenge can arise when it comes to saving money at first. Nevertheless, it is not impossible to acquire this skill. Saving money becomes addictive once you learn how to do it. When you start saving in many aspects of your life, you begin to wonder how you can achieve this.

The interest earned on your savings account allows you to pay off debt by watching your savings grow. In the course of months and years of good saving habits, you suddenly find yourself with surplus income you can generously donate to others and do good in the world.

There is no doubt that everyone is different, so it is important to recognize that. The art of saving money can be learned from a very early age by some individuals. Other individuals witnessed their parents’ struggles and lived paycheck to paycheck. People are born spenders and savers, regardless of how they’re raised and what their overall life values are.

Learning how to save money is the first step to organizing your finances. Next, examine your emotional relationship with money.

You become more aware and more willing to make positive changes once you realize your triggers and how your spending habits affect your life. From buying a car to lowering your electric bill, you can learn how to save strategically once you’ve done that.

Below are all the details, organized by step. You’ll be able to save money by the end of this article not only because you’ll have a better understanding of how it works, but also why it matters to you.

The Basics of Saving Money

Learning how to save money is the first step toward seeing piles of cash in your bank account.

Make sure you know your exact income and expenses

There is no doubt that learning exactly how much money you have coming in and how much money you have going out is the most effective way to begin saving money. Now that you know what your income is or what your paycheck is, you probably have an idea of what it is. However, it is now time to take a closer look at the situation.

Each payday, what amount is deducted from your paycheck? How much does the government spend on bills and expenses? Tracking your expenses can be accomplished in a number of ways.

  • The popular expense tracking apps are Mint, YNAB, and EveryDollar.
  • Keeping a notebook is a great way to keep track of everything you spend.
  • You can track your progress over time using an Excel spreadsheet.
  • You can use Tiller, which is a mix of an app and an excel spreadsheet. You can create spreadsheets with Tiller by collecting your information.

Make a spreadsheet for your budget

In order to create a budget spreadsheet, you need to understand your income and expenses thoroughly. If you discover that you spend $500 more than you earn each month, for instance, you may want to adjust your budget. An income and expense budget allows you to enter your income and expenses, scan the list, and identify areas of savings.

The cable bill may be high or your car insurance premiums may be high, for example. It is possible to contact those companies in order to lower your bills so that you have more breathing room in your budget. If you do not have all the numbers in one place, you will not be able to do this.

It is not uncommon for people to tell me that they do not want to know the numbers, and I understand that. I feel nauseated when I realize I have spent $1,000 on food again. And this is something that happens from month to month. It can be nauseating to think about how much money you spend each month unintentionally.

It is true that knowledge is power, and the more you learn, the more you are able to identify the weak points in your budget. In this way, you will be able to better manage your finances as you go about your daily activities.

When possible, automate

Automation is popular among younger generations, but older generations are still skeptical.

It’s human nature to be emotional, so we don’t always do what’s best for us financially. Our paychecks should be saved, but there are always things that come up. The more you learn about automation, the easier it will be to save without thinking about it. Then the process of saving money becomes relatively straightforward.

Weekly, daily, and monthly check-ins

The last component of saving money is to keep tabs on your finances. Automating your savings or creating a budget aren’t enough. It’s important to keep an eye on everything on a regular basis. Initially, you may need to track your expenditures on a daily basis. In this case, tracking might be required on a weekly basis. The number of times you check in may eventually decrease to once a month.

In any case, you should ensure that you are not being charged twice for the same item, that all automatic bills have been paid as scheduled, and that there is no fraud involved. As a result of this habit, you will be able to detect any financial inaccuracy, which will result in long-term financial savings.

Savings Strategies and Challenges

The process of saving money can be a little boring for many people. Therefore, you should participate in money-saving challenges or savings strategies in order to make the process more exciting and enjoyable. You can save money by using some of these strategies and challenges that I have listed below.

Invest in savings buckets

When planning your retirement savings, you can learn about a savings bucket strategy and also a retirement bucket strategy. The purpose of this section is to discuss a savings bucket strategy.

You may wish to consider using a savings bucket strategy if you wish to have multiple savings accounts or buckets to better understand your financial goals.

The advantage of this strategy is that it encourages you not to dip into your savings to achieve your goals. By putting money into the “Twins” savings bucket during my pregnancy, I saved $10,000.

Savings buckets are named to prevent them from being used for vacations or shopping. When you have a specific purpose in mind for your savings bucket, you are more likely to keep adding to it (and not withdrawing from it) until the bucket is full.

Challenge yourself to not spend any money

No-spend challenges involve only spending money on essential items for a specified period of time. As such, participants in this challenge may have no spend days or no spend months.

It is common practice for some people to use a calendar and mark the days on which they do not spend any money with a big X. The objective of the campaign is to raise awareness about the amount of money you spend on small items.

The only thing you need is cash to complete a challenge

Cash has been shown to reduce spending more than credit cards in numerous studies. When you use only cash for a challenge, you can save more of what you have. Keep your automatic bills as they are, but take out cash for clothing, groceries, dining out, entertainment, and more to see if the cash envelopes encourage you to save more money.

Challenge yourself to save your change

You can start saving your loose change once you use more cash, and see how much you can save in a month or even a year if you spend more cash.

Consider making it a competition with your family members or friends, or plan a dinner with the change you’ve collected.

A strategy for accountability partners

The accountability partner strategy is a great way to save money, whether you’re single or married. Choosing one person to keep you accountable for your savings goals allows you to go along with this savings journey.

You can sit with a fellow coworker at lunchtime if he or she brings a brown bag lunch. Budget check-ins can be agreed upon by your spouse. You can find someone who wants you to succeed in your family, such as your mom or sister.

You can achieve your savings goals or abandon them depending on who your accountability partner is.

How Saving Money Affects Your Emotions

Decide on your “why”

Saving money can be achieved in many ways, including buying cheaper gas or only attending matinee movies. The reason we want to save money is at the heart of every money decision.

Knowing your why will help you save money faster and easier. By keeping your why at the forefront of your mind, you will be able to make quick decisions about saving money. It is possible that your reasons for saving may change over time. For the time being, it may be in your best interest to save money in order to help you get out of debt or to pay your bills on time. If you intend to retire early or buy a vacation home in the future, you may wish to save money.

You need to understand your why in order to make everyday decisions, such as whether to purchase a raffle ticket at the fair or a cup of coffee. It is easier to make the right financial decisions when you have a reason for saving that is greater than your daily desires.

Evaluate your childhood experiences with saving money

Consider your childhood if you want to really understand how you save money. There are some individuals who have grown up in families that consistently saved money at the expense of enjoying their daily lives. Likewise, some people grew up in families that did not save at all and struggled to make ends meet from paycheck to paycheck.

You absorbed money lessons from your family, regardless of whether or not they actively discussed saving money. Your family’s financial situation, or lack thereof, affected you as a child.

By assessing your childhood experience with saving money, you can gain a better understanding of your own savings habits. It is up to you whether you choose to emulate your parents or change a pattern.

To save more money, it is important to understand how your childhood influences your savings patterns.

Analyze spending triggers

Money problems are caused by a spending trigger for each of us. Take note of when you spend money on items outside of your normal budget in order to save more money.

When you are purchasing the item, ask yourself what you are feeling. Is your stress level high? Feeling good? Are you trying to make your day more enjoyable? Identifying the feelings behind your spending can help you be more aware of them and redirect them when they arise.

After a bad day, buying ice cream is an easy example of a spending trigger. As another example, you may be scrolling through Instagram late at night and making a snap decision to purchase shoes online based on what you see an influencer wearing.

Savings goals should be big (but attainable)

It is common for us to undervalue ourselves most of the time. Our fear of failure prevents us from setting large savings goals. Saving money can, however, be achieved by setting goals. Accountability is maintained.

In order to set measurable and achievable goals, you must break them down into smaller milestones that you can complete one by one. This will make it easier to achieve your goals. It is through the achievement of smaller goals that momentum is built. The more you believe in yourself, the more confident you become. Making smaller savings is the key to achieving your larger savings goals, so do not be afraid to do so.

Boost Your Credit Score

Do a credit check

What are the benefits of checking your credit score when you want to save money? Having a positive credit history and a good credit score are integral components of saving money over the long term. If you have a good credit history and a good credit score, you will be able to qualify for lower interest rates when buying a car, a home, or anything else that requires a loan.

If you borrow money for these big-ticket items, a good credit score will save you thousands of dollars over the course of your lifetime. Take advantage of the free credit score check to start saving money right away.

Ensure that your credit report is free of adverse accounts

You can also receive better interest rates on loans when you have a good credit score and a clean credit report, saving you money in the long run. You should pay close attention to the adverse account section of your credit report, which is usually located near the top of your report. You should take the necessary steps now to remove any items from this section.

It is possible to have adverse accounts even if you are generally responsible with your finances. In the past, I was declined for a credit card, checked my credit report, and discovered that my local public library had reported me to collections for not returning an audiobook.

Keep your payments up-to-date

Our bills should be paid on time, as we all know. Your payment history accounts for 35% of your credit score, so it is important to pay your bills on time. As long as you have a solid payment history, you may still be able to maintain a decent credit score (even if you are currently in debt).

Moreover, it is logical, isn’t it? The lender wants to know that you are capable of making timely payments. You will be more likely to receive a lower interest rate if you have demonstrated this with your payment history.

Utilize your credit more effectively

Credit utilization is another important factor in your credit score. Approximately 30% of your credit score is determined by the level of credit utilization, which refers to how close you are to your credit card limits.

According to experts, a maximum utilization of 30% should be maintained. It is better to have a lower number.

It is unlikely that a person with maxed out credit cards will have a favorable credit utilization rate. If you wish to improve your credit score quickly, you should pay off your debt and free up space on your credit cards. It is possible to save money on loan interest if you reduce your credit utilization in order to improve your credit score.

Car-Buying Tips to Save Money

Buying a used car

In the first month of ownership, new cars lose 10% of their value. Buying a used car can therefore be an excellent way to save money, even if it has only been used for a few months. The value of our automobiles continues to decline over time, making them one of the most expensive items we own.

In addition to driving used cars, my husband and I both own vehicles with more than 100,000 miles on them. In the near future, we do not plan to trade them in for something newer and more attractive.

Make sure you do your research in advance

We have access to so much information online these days. If a car has been in an accident, you can view its CarFax report. Dealers can display the price at which they purchased a vehicle compared to the price at which they are currently selling it.

This information can be used to determine whether or not the vehicle you are considering is a good deal.

Loan pre-approval

As we discussed earlier in this post, the better your credit score is, the better interest rate you may be eligible to receive on a car loan. Before you visit a car dealership, consider getting pre-approved for a loan in order to determine where you stand.

You may compare rates from dozens of online lenders, determine your eligibility, and walk into the dealership with the knowledge that you are approved for a certain amount. As a result, you may be able to save money since you have more lending options than those available to you through your dealer.

Get a cash deal on your next vehicle

When you buy a car in cash, you have a lot of negotiating power. Despite the fact that car dealerships earn revenue by financing vehicles, they still prefer to receive lump sum payments for the vehicles on their lot. You can save money on interest by buying a car in cash, and you will have more bargaining power at the dealership if you do so.

Compare car insurance quotes

The purchase of a car is not complete without the purchase of car insurance. It is advisable to shop around for car insurance ahead of time and pay attention to the introductory rates. It is common for insurance companies to offer lower introductory rates, but to raise their rates after the first year. If you wish to ensure you are receiving the best deal, make sure you ask lots of questions about what is covered under each level of insurance.

Homeowners’ Money Saving Tips

Smart thermostats are available

Nest thermostats have an upfront cost, but they can help you save money on your home energy bills over the years. When you’re away, you can easily adjust the temperature of your home with a smart thermostat that learns your habits. Instead of paying to heat a house you’re not spending time in during the workday, you can adjust the heat from your phone if you forget to turn it down on your way to work.

Replace your light bulbs with LEDs

There is an initial cost associated with LED bulbs, similar to that of a smart thermostat. By switching to LED light bulbs, you can reduce your energy costs and extend the life of your bulbs.

Keep your blinds closed

Your home will remain cooler if you keep your blinds closed, especially during the summer. It costs you more money to keep your home cool if the temperature in your home increases due to the heat of the sun.

Keep track of water usage

When your toilet runs or your faucet leaks, it may seem as if you can ignore them, but your money is being wasted. If you fail to resolve these issues as soon as they occur, you may notice an increase in your water bill over time. Additionally, you may want to consider lowering the temperature of your hot water heater to 120 degrees in order to save money in the long run.

Make sure your appliances are energy-efficient

The marketplace is filled with energy-efficient appliances these days. If you plan to buy three at once, it’s best to wait until they’re on sale or ask the store for a discount. In the long run, you can reduce your home’s energy costs dramatically if you gradually convert your appliances to energy-efficient ones one by one.

Make sure your home is maintained regularly

When you don’t take care of your gutters or air filters, they can cause bigger, more expensive problems down the road. There are numerous online lists of home maintenance tasks that you can find. Make sure you go through each one one at a time – it will save you money in the long run as well as increase your home’s value.

Parents’ Money Saving Tips

Costs of daycare versus staying at home

Parents face childcare costs right away as one of their biggest expenses. You should research and consider childcare costs before having children, as they are extremely expensive. Comparing daycare with staying at home is one thing to consider.

Staying home might be an option if childcare costs are equal to your income if you earn a certain amount. Before being able to work from home, I worked to build a business I could do from home. In this way, I would be able to pursue my career and take care of my children at the same time. In order to make that decision possible, I worked outside of my regular day-to-day responsibilities for several years. It is possible to earn an income while staying at home with your children if you find a way to earn money online.

Don’t get sucked into the latest gadgets

Parents’ lives are made easier by a multitude of gadgets available on the market. I recommend waiting to buy things until you need them. The temptation is to put a lot of expensive items on your baby registry, but you may discover that you do not need them (or that your baby does not enjoy them).

The concept of babies existing without special night lights or toys that blink has been around for thousands of years. Save money by keeping things simple at first and purchasing items as necessary.

Consider cloth diapers

Despite the fact that they are a lot of work, they will definitely save you some money. It is well known that cloth diapers are re-usable and healthy for the skin of your little one, as well as cheaper.  

Baby food can be made at home

Buying baby food from a store is expensive like everything else. Sweet potatoes and peas can be prepared at home by mashing them yourself. To prepare them, there are a variety of expensive gadgets you can purchase, or you can just use your own regular blender, fill ice cube trays with the baby food, and freeze the cubes for later use.

Follow the four-gift rule

Try implementing the four-gift rule when your children are old enough to enjoy Christmas. The rule states that you should only buy your children four gifts: something they want, something they need, something to wear, and something to read. Santa’s gifts can also be included. You can ensure your child has plenty of presents under the tree without going overboard with this gift rule.

Decide on one extracurricular activity

Many parents these days feel pressured to have their children involved in multiple extracurricular activities. There are some young children who are enrolled in art classes, Spanish classes, piano classes, and sports classes. In addition to being great for your kids, exposing them to many different interests can also be very expensive. (Taking them to all these activities is also exhausting as a parent.)

Buy gently used clothing

It is common for parents to purchase Burberry and Polo shirts for their children and then sell them to consignment shops. Following that, you will be able to pick them up for 90 percent off their retail price. You will save a great deal of money as your children grow, and they will not even notice the difference.

Get in touch with other moms to swap babysitting services

It can be costly to hire a babysitter for a date night or doctor’s appointment if you do not live near family. Therefore, you should consider swapping babysitting with other families.

You might get to know another family on your street and offer to watch their kids one night in exchange for them watching yours on another. In this way, you will be able to enjoy a date night on a budget without having to pay a premium for a babysitter.

Birthday parties can be affordable

Parents tend to go overboard when it comes to this area as well. Inflatables and ponies are often the main attractions at one-year-old birthday parties thrown by parents.

Although this is an incredible opportunity if you can afford it, if you cannot, it can have a detrimental effect on your financial situation. A birthday party does not require you to go into debt (and you are not a bad parent if you choose not to host one).

Check out free or low-cost entertainment options

The possibilities are endless when it comes to free activities for your kids. It may even be a good idea to check out your local library. You will be able to find toys for them to play with, books to read, and some time to spend together.

You can also take advantage of discounts offered by the library at local museums. Interested in joining the library? Ask a librarian for more information.

Self-Employed Money Saving Tips

Take advantage of the library or work from home

In addition to the benefits of being surrounded by other entrepreneurs, co-working spaces also charge a membership fee.

If you want to cut costs, then work at home or at the library mostly if you want to save money. You can work in coffee shops too.

Taxes should be paid first

When you realize you owe a lot more money than you thought at tax time, there’s nothing worse.

A person who is not able to pay their taxes might have to pay expensive fees and you might even be tempted to pay your taxes with a credit card with a high-interest rate if you don’t have the funds to do so. To avoid this from happening in the future, it is a good idea to make it a habit to save your taxes first.

Maintain a regular expense evaluation

In business, experimenting with new software, courses, products, and employees is a natural part of the process. However, you should keep a record of your expenses each month. Analyze which strategies are working for you and which are not. Take note of your cash flow and keep track of recurring subscriptions. By keeping only the expenses that are truly necessary for your business, you will be able to save money.

Invest in your retirement

Working a full-time job with a 401(k) that is automatically withdrawn from your account and where your employer matches that withdrawal is a great way to save for retirement. In spite of this, most self-employed people do not have access to that kind of coverage.

However, it is still a good idea to research your retirement account options, to learn the difference between a 401(k) and an IRA, and to automate the process as much as possible in order to motivate yourself to save more money for your retirement.

Grocery Store Money Saving Tips

Before you shop, make sure you check your refrigerator and pantry

By following this simple tip, you will be able to save a lot of money. Preventing food waste can also be achieved by checking your fridge before you leave.

Planned meals

There is a misconception that meal planning takes a long time, but the truth is that it doesn’t. In order to make dinner with what you already have on hand, all you need to do is take a look at the food you have and think of meals you can prepare using the food you already have.

You will need to make a grocery list with the additional ingredients you need for the recipe, and you will need to keep a record of what you will have for breakfast, lunch, and dinner every day. Having a meal plan is a great way to save money as it helps you reduce the likelihood that you will order takeout food rather than cooking for yourself.

Prepare a list of items

In order to save money at the grocery store, it is important to bring a list with you to the store, and it is equally important to follow the list. When you stick to your list and stay disciplined, you will not allow yourself to throw Oreos in your cart or buy things that you do not need when you stick to your list and stay disciplined.

Also, if you have children, I recommend going to the grocery store alone if you have them, because the children are just as guilty of throwing things into the cart as you are!

Apps that help you shop for groceries

Today, there are a wide number of apps available to assist you with saving money when you shop for groceries.

Don’t drink soda or alcohol

We all know that consuming massive amounts of juice or alcohol is unhealthy. Furthermore, going overboard also drains our wallets. It is better to save your money for items that may be needed more often in your household, such as milk, yogurt, sparkling water, and so on and so forth.

Travel Tips That Will Save You Money

Flexibility is key

You can save a significant amount of money if you’re flexible with your travel dates and destinations. Prices often dictate people’s habits.

It is possible to still have a wonderful time traveling while staying within our budget by being open and adventurous. You can search for cheap flights on Skyscanner which is a great website to use for finding low-cost flights.

Airbnb rentals

You can save money on your accommodations when you rent an Airbnb while traveling. Most vacation rentals come with kitchens, which means you will be able to make a lot of your meals at home, which will save you a lot of money. There will be more money available for you to visit museums, watch a game, or whatever you want to do.

Take advantage of credit card rewards

There are rewards associated with credit cards if you know how to use them responsibly, so you may be able to reap the benefits. By signing up for a new travel credit card, you will be able to get free flights, hotels, excursions, and much more, as well as a signup bonus. Please keep in mind that this is a hack that can be used only by people with excellent credit scores who have excellent credit scores and who pay off their credit cards on a monthly basis.

Take a camping trip

There are so many benefits to camping, including the fact that you don’t have to spend a lot of money on it. There are several types of campsites, including those with showers and bathrooms and those without. If you are looking to spend time with your family on a budget, bring your own food, sit around the campfire, and relax together.

Activities that you can do for free or at a low cost

There is no need to buy expensive massages just because you are on vacation or go on expensive excursions just because you are traveling. If you want to find free museum days, restaurants that allow kids to eat for free, and other types of free activities, do your research. While you are there, you can plan a lot of free or low-cost activities that you can do to save money.

Health Savings Tips

Ensure you get a checkup every so often

Most healthcare plans include annual physicals as part of their coverage. You can save money on medications, hospital bills, and more by getting an annual checkup, even if you feel healthy.

Give up smoking

In addition to the fact that most people know smoking is bad for your health, it also has a significant impact on your wallet. One pack of cigarettes a day at UC Davis could cost you $2,000 per year and $80,000 over your lifetime.

Regular exercise is essential

Physical and mental health are both improved by exercising. Regular exercise and getting your heart rate up every day is a sure way to prevent chronic illnesses along the way, which could have an extremely high price tag down the road.

Generic medications are available for purchase online

By purchasing generic medications, you can save a great deal of money on your medication costs. The generic version of a medication will be given to you automatically by some pharmacies, but not by others. Therefore, it is always wise to ask whether that is the best price for the medication that you are considering. There may also be coupons available for your medication which can be obtained by asking your pharmacist if they know of any.

On sale, you can purchase over-the-counter medications

Many people buy Children’s Tylenol at CVS because it’s a fast way to get over-the-counter medications when they need them. The convenience, however, comes at a cost every time. Buying basic medications at a big box store when they’re on sale is much cheaper.

Retirement Money Saving Tips

Make sure you start saving early

Saving early for retirement will ensure that you have a larger retirement fund when you reach retirement age. It’s a simple concept, but many young people are under financial stress due to student loans and childcare responsibilities. The good news is that if you start saving early, even if it is just a little bit, your savings will grow more thanks to compound interest, and your future self will thank you for doing so.

Automate your investments

There is no doubt that automatic savings are the easiest way to save money in general, not just for retirement. Regardless of how skilled you are at saving money, automating your savings is the best way to make sure it happens.

A specific amount can be deducted from your paycheck and invested for you by your employer every pay period. If you are looking to save money for your future, this is an excellent and simple way to do so.

Employer match programs can be used to your advantage

Matches between employers and employees are free money that the employer offers. In other words, if you work a 9-5 job, and your employer offers a matching retirement plan as one of your benefits, make sure you take the time to set up a retirement account so that you can take advantage of this benefit.

Fees should be taken into account

There is an increasing awareness amongst the public that the fees that come with managed funds or 401(k) accounts come with a number of expenses. In the current market, there are many brokers that offer low-cost brokerage services. There are many well-known funds and funds companies, such as Vanguard, Fidelity, and Charles Schwab.

These companies allow you to invest your money and buy mutual funds with lower fees than many other companies. It might seem low to pay a 1% fee to your financial advisor at first, but if you take a look at how much that will cost you over a 30-year investment period, you may find that you are losing hundreds of thousands of dollars to fees every year.

Additional Generic Savings Tips

Subscriptions that renew automatically should be avoided

In order to look at your accounts, there is a service called Trim that will review your account and let you know if you have any recurring subscriptions. If you haven’t canceled your New York Times subscription or Care.com subscription, you may not have realized that you haven’t. You will be able to save a lot of money by using Trim in this way.

You can make your own laundry detergent at home

It is not common for people to make their own laundry detergent, but there are many amazing concoctions available on the internet. As a result, if you are trying to be more frugal in every aspect of your life, this is an easy way to help you achieve that goal.

All year long, save for the holidays

It is always around the same time of the year that the holidays arrive, and we advise you to save $50-$100 every month for the holiday season in a separate, high yield savings account earmarked specifically for this purpose. In this way, you will be able to set a budget around the holidays and avoid buying things I cannot afford using a credit card with high interest rates.

Make biannual payments on your car insurance

Over the course of a year, you usually pay more for car insurance if you pay monthly. As a result, it would be a good idea to pay for it every six months. Obviously, you have to plan for this in advance, but you’ll end up saving money all year long as a result of it.

Clothing of high quality should be purchased

A garment that is well made and made from quality materials can last for years longer than a garment that is cheaply made.

In the case of items like winter coats or boots, this is especially important when you are shopping for these items. Patagonia, for example, is a company that repairs clothes for its customers, so you will be able to keep them for years to come.

Keep an eye out for online coupons

It is so easy to find deals these days because there are so many online coupon sites that search for them for you. One of our favorite apps is the Honey app.

By simply adding the Honey extension to your browser, you will automatically get a notification when a coupon is available when you are checking out on any website you visit. Using this service is a very easy way to save money when you are shopping at the grocery store on a regular basis.

Get your cable subscription cancelled

There are many money-saving tricks in the book, but this is one of the most well-known ones. Personally, I haven’t had cable for about eight years, and for four of those eight years I went without any kind of TV whatsoever. With the existence of services such as Netflix and Hulu, which are much more affordable or even free, there really is no reason to pay $60 or more per month for cable TV.

Loan refinancing for federal students

In some cases, refinancing federal student loans may not be the best choice for the borrower. Refinancing your federal student loans with a private lender, for example, will disqualify you from obtaining Public Service Loan Forgiveness if you are trying to get it.

You may be able to lower your monthly student loan payment substantially if you refinance with a private lender if you do not intend to pursue PSLF and understand the pros and cons of refinancing.

When you can, do it yourself

When you outsource, or complete the task at your home or business by yourself, you can save a lot of money. It is true that it is not without its limitations. Paint a room on your own, but don’t change your plumbing or electrical on your own if you don’t want to rewire.

In other words, whenever you are faced with a task at home, ask yourself, “Is it possible to do this myself?” “What kind of cost savings will I get if I do this myself?” “Is it worth it to DIY a task or not?” By asking yourself those questions, you can decide whether DIYing is worth your time.

Young people should buy term life insurance

Term life insurance isn’t always necessary until someone is older or has several dependents, but buying it while you’re young and healthy can save you money. You don’t know what the future holds, so you don’t know what to expect.

There is a possibility that you may contract a disease or suffer from an illness that will prevent you from getting life insurance in the future. Getting it early on is the best option if you want to be as healthy as possible for the rest of your life. There is no doubt that term life insurance is relatively inexpensive and it is a worthwhile purchase to make.

When running errands, bring snacks

Often times, you may feel tempted to grab an extra snack while you are out shopping, or you may even decide to indulge in a beverage that you could in fact simply refrain from.

On a day-to-day basis, these costs are, of course, very minimal and are barely noticeable. Yet if you were to look at how much you spend on snacks mindlessly over the course of a year, you would find that this can add up to a considerable amount of money. There is a possibility that this small habit change could lead to you saving over $100 a year!

Negotiate and barter

As the name implies, bartering is the act of trading goods or services with another individual without actually exchanging money for them. Negotiating, on the other hand, is the act of asking for a lower price on the goods or services you need.

Despite the fact that both of these money-saving methods have been around for centuries, they can still be used to your advantage today. Consider, as well, using a price drop app like Earny – if the price of an item you purchased previously drops, the app will scan your inbox, perform a price comparison, and collect the savings on your behalf.

A fee for using an ATM should be avoided

There is an increase in ATM fees. Think about how much you spend each year as a consequence of these fees if you don’t pay them. In order to save money, you can use ATMs associated with your bank or find places where you can get cash back such as grocery stores and Target where you can get cash back.

Money Can Be Saved in a Thousand Ways

It is important to realize that there are many different ways to save money in dozens of different categories in life. Whether you believe it or not, there are even more ways of saving money that you may not have come across on this list. The key to staying within your budget is to monitor your spending, to be aware of energy costs, and to keep an eye on your grocery bills.

As we mentioned earlier in this post, one of the most important aspects of saving money is to know your WHY. This is one of the most important aspects of saving money.

It is more likely that you will follow all the other tips on this list if you have a clear sense of why you want to save money and some of your biggest life goals that you want to achieve. Taking a moment to evaluate your life, where you have been, and where you are going is the best thing you can do today.

 How important is it to you to save money? What makes you want to do this? Your reasoning? In order to ensure that your financial life is more secure and stable in the future, you should use that reason as motivation to begin following the other tips on this list.