The Lazy Person’s Guide to Making Money for Doing Almost Nothing

Here’s a thing about me: I’m lazy.

Really, really lazy.

That’s why I wrote this post for all you lazy people out there. I see you. I understand you.

So here are some lazy ways you could make some extra money this week:

1. Killing Time on Your Phone? Play Bingo for up to $83 Per Win

Lazy folks like us love to kick back with our phones. They’re the world’s greatest time-killers. Browse Facebook, Twitter, TikTok or Instagram. Watch a video on YouTube. Play some Minecraft or Roblox.

Lazy bliss.

Oh, and there’s bingo. We found a free iPhone app called Bingo Cash that lets you play for real money. You could get paid up to $83 per win.

Now that’s lazy!

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

But 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.

The game is based on a classic Bingo format. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls. The top three players in a game can win real money — anywhere from $1 to $83.

Over on the App Store, it has a 4.7-star rating (out of 5).

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

2. Find Money You Didn’t Know Was Yours

A woman picks up money off the street.
Chris Zuppa/The Penny Hoarder.

Don’t feel like working for extra money? Find stuff you’ve already earned and forgot about!

Search online to find unclaimed money from retirement accounts you’ve forgotten, old security deposits and more. Check the National Association of Unclaimed Property Administrators website to find out how to search in your home state.

This strategy can only help you find your own misplaced money. If you happen to forgo laziness when it comes to keeping good track of your cash, you may not find anything new.

3. Get Paid up to $40/Month — Just for Sharing Your Opinion

This image has an empty alt attribute; its file name is 05042018_lazywaysmoney_TR0011-2-1-1024x683.jpg
Chris Zuppa / The Penny Hoarder

Does it get any easier? Not sure about you, but we’re already blabbing our opinions to anyone who will listen. You’re tellin’ me I can get paid for that?

We kid you not. Brands want to hear people’s opinions. It helps them make business decisions, so they’re willing to pay you for it — up to $40 a month.

Survey Junkie will give you points to answer questions about things like what kind of laundry detergent you use, or if you prefer Pepsi or Coke. Many people earn enough points to request a check within a few hours. Completing just three surveys a day can earn you as much as $40 a month.

More than 10 million people already use Survey Junkie, and it has 4.5/5 stars on TrustPilot. 

Join here for free to start earning.

4. Earn $300+/Month in Passive Income with Your Extra Space

This might be the lowest-effort option out there. And it could earn you more than $300 a month.

If you’re like us, your garage probably isn’t doing much of anything at the moment. Maybe you have some tools in there, or maybe it’s home to your boxes of odds and ends, collecting dust.

But with a website called Neighbor, your extra space — whether it’s a spare room, an empty garage or a parking space — could be earning you an extra $300 a month in totally passive income.

Neighbor connects people who need storage space with people like you who have room to spare. The average host makes about $300 a month, but some people have earned up to $50,000 a year just by letting people park on their property.

It takes less than 10 minutes to get started. Just answer a few questions about your space, take some pictures and set your asking price. Neighbor recommends a dollar amount based on your location and type of rental, but the final listing is up to you.

You even get up to $1 million in free protection as a host, and renters get protection plans, too. Everybody’s covered.

Neighbor is a seriously easy source of passive income. It’s free to list your space, and you’ll only be charged a 4.9% processing fee from the profit you make each month, so there’s no risk to you.

Sign up here and see how much you could earn.

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

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.

6. Get Paid to… Sleep?

You mean you go to sleep every night and don’t get paid for it? Your luck may be about to change.

Turns out several million people in the U.S. toss and turn every night. That’s why numerous hospitals have dedicated entire divisions to studying sleep — and they’re willing to pay you several thousand dollars just to watch you nap.

Some cities have a higher concentration of facilities that pay sleep-study participants, but it’s worth seeing if you can find a facility in your area.


Mike Brassfield (
mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He works a lot, but he wishes he could be super lazy, instead.

Saying No to These 4 Things Could Put $3,393 Dollars in Your Savings This Year

Saying yes can feel really good.

You can say yes to a new job, yes to a proposal, yes to more freshly grated parmesan on top of your pasta.

But you know what feels even better sometimes? Saying no.

Saying no is powerful. Saying no is a statement. And saying no can save you a ton of money. Just how much? It depends on how often you can say no to these situations:

1. Say No to Expensive Car Insurance: Add Up To $610/Year to Your Savings in Minutes

Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.

Use a website called EverQuote to see all your options at once.

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

2. Say No to Mindless Scrolling: Let This App Pay You Up to $83 When You Win Solitaire Games

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.

3. Say No to Watching the News for Free: Earn $225 a Month Instead

It’s been a historic year in the news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves a constitutional scholar or a foreign policy expert.

That might not be the best news for your dinner conversations — but it’s great news for your wallet. You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars. They’ll present you with short surveys to choose from every day, which you can fill out while you watch tonight’s broadcast.

You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $56 million.It takes about one minute to sign up, and start getting paid while you watch the news.

4. Say No to Paying Your Credit Card Company

Your credit card company is getting rich by ripping you off with high interest rates. But a website called Fiona wants to help you say no to those insane interest payments.

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.

Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.

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.

Drowning in Debt? This Company Will Convince Your Credit Card Company to Cancel up to Half

A woman stands in the middle of a body of water as the water parts around her.

Let’s get real for a minute. It doesn’t matter if you have $10,000 or more in debt, the struggle to keep on top of it can be overwhelming. Especially when the loan statements, overdue credit card notices and threats from creditors start rolling in — it can feel like your finances are spiraling out of control.

It’s important to remember that you’re not alone. According to a recent YouGov survey, nearly half of all Americans are currently living with credit card debt, making it the most common form of debt in the U.S. That number doesn’t even take into account personal loans, medical debt, mortgages, etc.

And yet, despite how common the struggle is, most of us still think living paycheck to paycheck while making minimum payments is the only option. 

The good news is, there are ways to take back control of your debt. You won’t have to declare bankruptcy. A debt relief company called National Debt Relief can create a personalized plan to help you pay back what you owe for significantly less. The best part? You could be debt-free in as little as 24 to 48 months. Good credit score not required. 

What Is Debt Relief? (And How Is It Different from Credit Consolidation?)

National Debt Relief, like its name suggests, offers debt relief. That means they’ll negotiate directly with your creditors on your behalf to reduce the amount you owe. If they reach an agreement, you’ll pay less in a shorter amount of time, even when fees are included. 

Companies that offer this service generally charge a flat percentage fee based on your debt, which will be included in your monthly payments. So, you don’t have to scramble to find the funds.  

National Debt Relief charges a flat percentage fee between 15 and 25 percent based on the amount of debt you start out with — but you only pay if they successfully negotiate an agreement for you. You’re in control — you can leave the program at any time.

National Debt Relief’s certified debt coaches are, on average, able to cut existing debt in almost half!

Debt consolidation is another form of debt relief. The difference? It combines all your debt into one loan with a single monthly payment, often with a much lower interest rate. You’ll only have one monthly payment to manage, instead of juggling many. The only issue? Since your debt isn’t reduced, you’re paying the original amount you owe plus interest. But since the interest rate will be less, you can save money in the long term.

Not sure what’s right for you? National Debt Relief offers a free consultation so you can chat with an expert and explore all your options for getting out of debt. 

How Does National Debt Relief Work?

To qualify for National Debt Relief’s program, you’ll need to owe at least $10,000 in unsecured debt, meaning it isn’t backed by collateral. Credit card debt, personal loans, medical bills and certain student loans are all types of unsecured debt that qualify. 

You’ll also need a steady source of income to make monthly payments as part of your debt settlement. The exact amount you need depends on your financial situation. 

Your debt coach will set up affordable monthly payments that can be revisited if your situation changes. Once you’ve been accepted into the program, National Debt Relief’s team of debt experts will walk you through each step of your customized plan as they settle debts on your behalf. They’ll keep you in the loop throughout the process and won’t pay a creditor until you accept the offer and release the funds.

You could see your account resolved in as little as 24 to 48 months. And, if for whatever reason National Debt Relief can’t settle your accounts, you don’t pay them anything. 

How Is National Debt Relief Different from Other Debt Relief Companies?

Recently, there have been a lot of companies trying to wiggle their way into the debt relief space. Many of them are selling third-party debt relief programs with very little experience. They don’t know how to support those struggling with debt who need very personalized attention. 

National Debt Relief is an established company with a staff of experts, ready to walk each of its clients through a customized journey, from start to finish. Since 2009, they have helped more than 500,000 people pay off over $5 billion in debt. 

If that’s not enough, they have  an A+ rating with the Better Business Bureau, and over 30,000 five-star reviews on Trustpilot.

Getting Started With a Free Consultation 

If you or someone you know is experiencing debilitating debt, National Debt Relief can help you get your life back. 

Depending on how much debt you have, you could be debt-free within 24 to 48 months. Talk to a National Debt Relief expert, today, and find out what your best options are for taking control of your debt. It takes less than a minute to sign up for a free consultation.

This Free App Will Give You up to $1K in Free Stock Just for Signing Up and Funding Your Account

A man looks happy as he checks his phone.

Inflation is doing a great job of making it really difficult to buy, well… anything. And that includes stocks. 

The wealthy know how important investing is, and they have the means to keep doing it in any market. Luckily, you don’t need deep pockets to make your own power moves in the stock market.

When you open a free SoFi Invest account and fund it with at least $10, they’ll give you free stocks in return — worth up to $1,000.

Why Invest with SoFi?

You might already invest in the stock market through a retirement account. But with an active investing account from SoFi, you’ll have more control over where your money is invested, and you don’t have to wait until retirement to access it. 

You can buy full or fractional shares of popular stocks, invest early in companies you find promising — you can even get in from the very beginning by investing in companies before everyone else is allowed to invest.

The SoFi Invest app also lets you invest in exchange-traded funds — or collections of stocks.

If you’re afraid to start investing, SoFi also offers automated investing tools to help simplify things. Tell the app how much or little risk you’re willing to take, and the app will recommend ETFs for you to invest in. Plus, SoFi won’t charge you any SoFi management fees.

How to Get Started and Earn up to $1K in Free Stocks

Investing doesn’t have to be something that’s scary or out of reach for the rest of us. 

It only takes a minute to download the app and open a free account. Then, once you fund it with at least $10, SoFi will reward you with your free stock — which could be worth up to $1,000. 

*Customer must fund their Active Invest account with at least $10 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%.

Investment Products: Are not FDIC-insured, are not bank guaranteed and may lose value.

Terms for ‘Claw’ Promotion: https://www.sofi.com/invest/clawpromotion/rules

SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.

1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.

2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA(www.finra.org)/SIPC(www.sipc.org), (“Sofi Securities”). Clearing and custody of all securities are provided by APEX Clearing Corporation.

3) SoFi Crypto is offered by SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.

For additional disclosures related to the SoFi Invest platforms described above, including state licensure of SoFi Digital Assets, LLC, please visit SoFi.com/legal.

Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Bank, N.A.