Categories
Save Money

5 Surprising Ways People Are Earning an Income Without Leaving the House

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

If you needed extra money, like, yesterday, you’ve come to the right spot.

Our team has compiled a list of creative ways you can fatten your bank account this month. Certainly, there’s something here that fits your needs.

Without further delay, here are five ways to pocket some extra cash: 

1. Get Paid to Play Solitaire

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).To get started, just download the free app and start playing your first game immediately.

2. Get Paid to Watch YouTube- Like Movies

image_2
Carmen Mandato/ The Penny Hoarder

If we told you that you could get paid to watch videos on your computer, you’d probably laugh.

It’s too good to be true, right?

But we’re serious. A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.

No, InboxDollars won’t replace your full-time job, but it’s something easy you can do while you’re already on the couch tonight wasting time on your phone.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately get a $5 bonus to get you started.

4. Get Paid to Go Shopping

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash right now?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money in the process? Let’s say you use this card to spend $1,500 a month on groceries, gasoline and other essentials — that could mean putting up to an extra $1,800 in your pocket this year! 

Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

5. Get Paid to Play Cell Phone Games

Lots of us already play games on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Bubble Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. Wrong. There really isn’t. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

The game is based on a classic bubble-shooter format, and you’ll battle it out against other players within your skill level to see who can clear the board fastest. Everyone gets the same layout, so winning is totally a matter of skill. The top three players who clear their board fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has more than a million downloads and more than 12,500 ratings, averaging 4.6 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

Categories
Save Money

3 Ways to Quickly Add 100+ Points to Your Credit Score

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

You really try to be responsible with your money.

But, no matter what you do, your credit score never seems to make it over that 700 hump.

Yup — you’ve got some algorithm spitting out a three-digit number that’s basically controlling your entire life. We get it: It’s frustrating.

Don’t give up just yet, though! These three moves just might be the kickstart you need to finally get your credit score moving in the right direction.

Best of all? You can do all these things by the end of this week.

1. Let This Free Tool Help You Improve Your Score

Your credit score is like your financial fingerprint. Everyone’s is different and for different reasons. One person’s credit score might be under 700 because they have an error on their report. Another person’s credit score might be under 700 because they have a bill in collections.

That means everyone’s strategy to improve their credit score will look different… but how in the world are you supposed to know where to start?

Thankfully, a free website called Credit Sesame will take a look at your credit report and let you know exactly what you need to do to improve your score.

Take, for example, James Cooper. He didn’t know anything about credit, but Credit Sesame showed him the exact steps he needed to take to improve his score — from a 524 to 801.*

Then there are people like Salome Buitureria, a working mom in Louisiana who, in using Credit Sesame, found a major error on her report. The site helped her fix the mistake and take additional steps to raise her credit score nearly 200 points.*

Enter your email address here and Credit Sesame will immediately show you what to do.

2. Ask This Website to Help Pay Your Credit Card Bill This Month

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 620, Fiona can help you borrow up to $100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 months.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

3. Write a Love Letter

…to your creditors.

If you generally have a pretty solid credit history, save for a few missteps, then sending a well-executed goodwill letter to those you owe could help get you back in good graces with them and improve your credit score.

You’ll want your letter to cover the following bases:

  • Explain why and how long you’ve been a loyal customer of the creditor.
  • Take responsibility for the mistakes that led to the blemishes on your credit history.
  • Describe the steps you’re taking to ensure these mistakes don’t happen again.
  • Appeal to their sense of empathy. Show that you want forgiveness but also that you are determined to do better going forward. Show them you deserve this!
  • Keep your letter clear and to the point.

Don’t forget to include important information, like your account number and the date and amount of the missed payment you want removed from your credit history. Once you’ve written your goodwill letter, address it using the information on the creditor’s website.

Categories
Save Money

Here’s the Best Way to Get a Free Credit Score (No Credit Card Number Needed)

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

Your credit score affects more aspects of life than you might imagine.

You probably know credit card companies and lenders look at your credit report when deciding whether to give you money. 

But you might not know your cell phone provider, apartment management companies, car rental agencies and even prospective employers are peeking at your credit history, too.

Do you know what they’re seeing when they do?

They’re likely tapping into your credit history from the three major credit bureaus: Experian, TransUnion and Equifax. You can see this information, too… but it will probably cost you. 

Yes, you can request a free annual credit report from each of these bureaus. But it won’t necessarily contain your credit score — and how does a typical consumer interpret their own creditworthiness without this all-powerful number?

To get that number, you usually have to pay. But we’ve got a special deal that will let you get it for free this month. 

How to Check Your Credit Score for Free

Right now, Credit Sesame has an exclusive offer for Penny Hoarders to get a free credit report and score.

Here’s how you can get it:

1. Sign up for Credit Sesame for free here.

2. Enter your email address and social security number to get started. These are required, but Credit Sesame uses the highest-level of encryption to keep your data safe.

3. Within 90 seconds Credit Sesame will show you a report and your credit score. They will also give you helpful recommendations on how to improve you score — all for free.

If you want to learn more about Credit Sesame, read about how the app helped me finally stop freaking out about my terrible credit score.

Categories
Save Money

How to Easily Get $1 Million in Life Insurance for as Little as $18/Month

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

You get it. Life insurance is important.

If something were to happen to you, what would happen? Who would pay for your final expenses? What happens to your debt? Your home mortgage? Your family? The last thing you’d want is to leave them without financial support once you’re gone. 

It’s not fun to think about, but the truth is, seven in 10 households would be bankrupt in three months if they lost their primary breadwinner*. That’s where life insurance comes in.  

Maybe you’ve thought about this before, but it seems complicated or expensive. Or maybe you just don’t like thinking about it. But here’s the thing: With a company called Ethos, you could get $1 million in term life insurance for as low as $18**. And it takes less than 10 minutes.

How to Leave Behind a $1 Million Gift

If you think $1 million is more than you or your family needs, it might be time to rethink that. Consider final expenses, debt (things like your mortgage and auto loans), college tuition and years of lost wages. The last thing you want to do is leave your family with less than they need. A handy rule of thumb is that your life insurance policy should amount to six to 10 times your annual salary. Ethos can also give you a personalized estimate.

Death is never a fun topic. Honestly, it’s the farthest thing from it. But it’s a fact of life — it happens to roughly 100% of people. Despite how uncomfortable it might be, it’s something we all need to think about.

So maybe it’s time to think about life insurance. It doesn’t have to be the uncomfortable experience you might expect. Some newcomers in the industry are transforming the old model.

With Ethos, for example, you could get term life insurance in less than 10 minutes for coverage up to $1 million.You can apply completely online, and customer service is available if you have questions. Plus, for most life insurance policies, Ethos doesn’t require a medical exam (you only have to answer a few online health questions). Yep. You don’t even need to leave the couch.

Ethos partners with major life insurance carriers to quickly offer term life insurance policies for as low as $18 a month. Thousands of people have already used Ethos to protect their families. 

It takes just minutes to get started, and you’ll be one step closer to the peace of mind that comes with knowing your family is protected. 

*According to the Life Insurance Marketing and Research Association 

**Quote for a 20-year-old female in excellent health for a Legal & General, America 10-year term policy for $1,000,000 is $18 a month 

Categories
Save Money

This Secret Banking Account Has No Fees and Pays 100x the Normal Interest Rate

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

Cash-back credit cards are fantastic. You can get paid just to buy groceries or fill up your gas tank.

This is basically extra money, as long as you only buy what you would normally and you pay off your balance each month.

Unfortunately, it can be hard to qualify for these cards. Credit card companies don’t just hand them out. To get your hands on that cash-back earning plastic, you might need a near-flawless credit history. Let’s face it: That’s something many of us don’t have.

We found another option, though.

It’s a debit card called Aspiration.

This online account comes with a debit card that lets you earn up to 5% cash back on your debit card spending and up to 100 times the average interest (the average checking account pays .01% these days) on the money you set aside to save.

That means you can start earning cash every time you swipe your card.

It’s no wonder Money Magazine ranked Aspiration “The Best Checking Account in America.”

Get Paid Every Time You Swipe Your Debit Card

This is actually an account that does a bunch of different things. You can pay your bills, build your savings, invest and earn interest — all in one place.

Here’s what Aspiration offers:

  • You get your cash back, obviously. (Bonus!)
  • The debit card comes with no monthly account-maintenance fee and low minimums.
  • It pays up to 100 times the national average APY of .01% on your savings.

Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

Tell the credit card companies to take a hike. You don’t need them or their approval anymore.

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.

Categories
Save Money

5 Ways to Pocket an Extra $2,808 Without Getting a Second Job

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

If you needed extra money, like, yesterday, you’ve come to the right spot.

Our team has compiled a list of creative ways you can fatten your bank account this month. Certainly, there’s something here that fits your needs.

Without further delay, here are five ways to pocket up to $2,808:

1. Let This App Pay You up to $83 When You Win Solitaire Games

Earnings: $83

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).To get started, just download the free app and start playing your first game immediately.

2. Watch Movie Previews

Earnings: $225

image_2
Carmen Mandato/ The Penny Hoarder

If we told you that you could get paid to watch videos on your computer, you’d probably laugh.

It’s too good to be true, right?

But we’re serious. A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.

No, InboxDollars won’t replace your full-time job, but it’s something easy you can do while you’re already on the couch tonight wasting time on your phone.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately get a $5 bonus to get you started.

3. Cancel Your Car Insurance

Earnings: $700

When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy. 

If it’s been more than six months since your last car insurance quote, you should look again. 

And if you look through a digital marketplace called SmartFinancial, you could be getting rates as low as $22 a month — and saving yourself more than $700 a year. 

It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. That’s some major cash back in your pocket.

So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.

4. See if You Can Get Free Money From This Company

Earnings: $1,800

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash right now?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money in the process? Let’s say you use this card to spend $1,500 a month on groceries, gasoline and other essentials — that could mean putting up to an extra $1,800 in your pocket this year!

Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

5. Get $83 Every Time You Win This Free Cell Phone Game

Earnings: $83+

Lots of us already play games on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Bubble Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. Wrong. There really isn’t. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

The game is based on a classic bubble-shooter format, and you’ll battle it out against other players within your skill level to see who can clear the board fastest. Everyone gets the same layout, so winning is totally a matter of skill. The top three players who clear their board fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has more than a million downloads and more than 12,500 ratings, averaging 4.6 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.