You can have your Angry Birds and your Candy Crushes. I don’t need ‘em.
I’ve got Solitaire Cash.
The game is a great time-killer and stress-reliever. And — the best thing about Solitaire — you can play it all by your lonesome. It’s solitary in nature.
Do you play Solitaire on your phone? Are you any good?
Want to see if you can win money?
There’s a free app called Solitaire Cash that lets you play for money. You could get paid up to $83 per win.
Playing Solitaire for Money: How to Win up to $83/Game
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.
When we say Solitaire Cash is free, it really is free. Sure, you can pay to play some higher-stakes games (starting at 30 cents), but there’s no pressure.
Here’s an overview of how it works: You’re dealt a deck and compete against at least five other players. Everyone gets the same deck. This is totally skills-based, so no luck is required. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.
The app is free to download, and it’s a game you already know and love. Plus there’s no risk, so it’s worth a shot, right? Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).
More Ways to Get Paid Real Cash to Play Games on Your Phone
Now that you’re feeling competitive, you might want to flex some of your other gaming skills — and potentially earn even more money. Try your hand at a free iPhone app called Bubble Cash that also lets you play for up to $83 per win.
It’s 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. The top three players can win real money — anywhere from $1 to $83.
Solitaire Cash is pretty simple and straightforward — you’ll pick it up quickly — but we’ll give you some tips.
After downloading the app, you’ll start playing free games. Once you collect 120 “gems,” you can start competing in the “Freeroll” tournament, where you can win real cash.
You can speed up the process by depositing small amounts of money to compete for larger winnings — and you get extra bonus cash for each deposit. But that’s totally optional.
If you win a tournament, you can cash out through PayPal or Apple Pay.
Oh, and we almost forgot the best part: This app doesn’t have any annoying ads, so you don’t have to worry about your games getting interrupted.
Solitaire Cash already has more than a million downloads and has paid out more than $1.5 million. To get started, just download the free app and start playing your first game immediately — and download Bubble Cash for more ways to potentially win money.
Cash tournaments aren’t available in the following states: Arizona, Arkansas, Indiana, Iowa, Louisiana, Maine, Maryland, Montana, South Carolina and South Dakota.
Mike Brassfield (firstname.lastname@example.org) is a senior writer at The Penny Hoarder. He’s a recovering Solitaire addict.
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 50 ways to make money:
1. 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.
2. Watch Movie Previews
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. See if You Can Get Free Money From This Company
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?
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.”
4. Get a Free $80 for Playing This Cell Phone Game
We all have our favorite ways to kill time. A good book, a good conversation, a hockey game.
Here’s another good time-killer: Playing games on your iPhone. And what if you could play for money? Real money?There’s a free iPhone and iPad app called Bubble Cash that pays you to play. You can get paid up to $80 per win!
You might be wondering if there’s a catch. But there’s really not. Bubble Cash is free to download and is completely skill-based. And it’s quite popular. It has more than a million downloads and averages a rating of 4.5 out of 5 on the App Store.
Players have won hundreds of thousands in prize money so far.
Take a look at the Forbes Richest People list, and you’ll notice almost all the billionaires have one thing in common — they own another company.
But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.
But with an app called Stash, it doesn’t have to be. It lets you be a part of something that’s normally exclusive to the richest of the rich — on Stash you can buy pieces of other companies for as little as $1.
That’s right — you can invest in pieces of well-known companies, such as Amazon, Google, Apple and more for as little as $1. The best part? If these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.1
It takes two minutes to sign up, and it’s totally secure. With Stash, all your investments are protected by the Securities Investor Protection Corporation (SIPC) — that’s industry talk for, “Your money’s safe.”2
Plus, when you use the link above, Stash will give you a $5 sign-up bonus once you deposit $5 into your account.*
6. Get Paid for Your Opinion
Swagbucks is definitely a reader favorite, probably because of the wide variety of ways to make money beyond taking surveys. It’s also famous for handing out free rewards points (called SBs) at random just for being a member.
You’ll get SBs for each survey you qualify for and complete that you can redeem for cash via Paypal or gift cards to a number of popular retailers, including Amazon.
Even better? You’ll earn a 500 SB (or $5) bonus when you sign up and earn 2,500 SB within your first 60 days.
7. Become a Mystery Shopper
Got an eye for great service? You could make money — and get the occasional free meal — as a mystery shopper.
Companies want to know the employees serving their customers are putting a good face on the brand. Because a CEO of a huge chain can’t pull an “Undercover Boss” every week, many companies send mystery shoppers into the field to rate the customer experience.
8. Search Your Wallet and Cash in on Your Dollar Bills
Specifically, dollar bills with strange serial numbers — ones that aren’t easy to come by. The collectors at CoolSerialNumbers.com will pay you big bucks if you have a bill with a rare sequence in your wallet.
Turns out antique coins aren’t the only currency worth cash to collectors.
Check out their website for a full list to see if you’ve got any of these rare bills, but here’s a rundown of the sort of serial numbers these collectors are looking for:
7 repeating digits in a row on $1 Federal Reserve Notes (i.e. 09999999, 77777776)
7 of a kind on $1 Federal Reserve Notes (i.e. 00010000, 99999099)
Super repeaters on $1 Federal Reserve Notes (i.e. 67676767)
Double quads on $1 Federal Reserve Notes (i.e. 00009999)
9. Earn up to $25/Hour Delivering Food
Cities around the country are filled with two things: incredible restaurants and busy people.
You can help connect them by delivering food through DoorDash.
As a “Dasher,” you’ll work as an independent contractor, setting your own hours and working as much or little as you want, meaning how much you can make is up to you.
You’ll earn a $6 fee for each delivery, plus keep 100% of your tips. Depending on the day, you could earn up to $25 an hour. If you drive full time, that’s $1,000 a week!
For a real-life case, Jose Neri, a former Dasher in California, reports earning $500 to $600 a week working just lunches and dinners. They could take about two-and-a-half deliveries an hour, and users would tip between 10% and 15%.
All you need to get started is an insured vehicle or a bicycle and a smartphone. You should be at least 18 years old and have a minimum two years’ driving experience.
If you’re interested in becoming a Dasher, you can learn more here.
10. Become a Mermaid
Do you want to be part of their world?
We went for a swim with the real-life mermaids of Weeki Wachee Springs in Florida to find out how they get paid to slip into fins and perform for kids (and kids at heart).
From mastering underwater routines to learning how to use buoyancy to your advantage, this job isn’t exactly a day at the beach. But if you can keep up, it’s every bit as magical as you’d imagine.
To qualify, you must be at least 18 years old and be able to swim 400 yards in less than 15 minutes. Mermaids’ pay starts around $10 an hour.
11. Grow a Special Herb at Home
No, not that one. Catnip grows as a weed in many areas, and a quick read of a guide to growing catnip will make you an expert. Many growers sell packets of the dried leaves online.
12. Get Paid to Drink Beer
The craft beer industry is hoppin’, so take advantage of it by, well, getting paid to visit breweries.
When you sign up as a mystery shopper, it’s your job to go to a grocery store, gas station, restaurant or, in this case, a breweries, and provide anonymous feedback.
Now, you can get paid to mystery shop — and drink — at breweries in your area through Secret Hopper. (Clever, right?)
The company is looking for detail-oriented beer-drinkers to hop around to different breweries and objectively rate and review their experiences. One Penny Hoarder gave the gig a try. He paid $16 on his visit to a local brewery. Secret Hopper paid him $20 via PayPal within a few days.
So, no, you’re not going to get rich, but you will get free beer, and that makes us hoppy.
All you have to do is sign up, then it’ll contact you when you’re needed.
13. Get a $5 Bonus to Invest in the Stock Market
If you’re like most of us and wish your money would just take care of itself, consider starting an investment account through Acorns.
You can start small and stack up change over time with its “round-up” feature. That means if you spend $10.23 at the grocery store, 77 cents gets dropped into your Acorns account.
Then, the app does the whole investing thing for you.
The idea is you won’t miss the digital pocket change, and the automatic savings stack up faster than you’d think. For example, we reviewed how Penny Hoarder Dana Sitar was able to save at a rate of $420 a year!
At that rate, you could set aside $1,000 in about two and a half years — without trying.
The app is $1 a month for balances under $5,000, and you’ll get a $5 bonus when you sign up.
14. Earn $20 the Next Time You Go to the Grocery Store
We know it sounds strange, but Ibotta will pay you cash for taking pictures of your receipts.
Here’s how it works:
Before heading to the store, search for items on your shopping list within the Ibotta app. When you get home, snap a photo of your receipt and scan the items’ barcodes.
Notice a lot of those aren’t tied to a brand — just shop for the staples on your list and earn cash back!
15. Get Paid for Taking Polls
What did you think of the new Spiderman movie? Is a hot dog a sandwich? Who’s your favorite Real Housewife?
The research company, MyPoints, has paid people over $236 million to answer poll questions like that over the past 23 years.
And they’re currently recruiting new panelists. You can do it right on your phone, and you’ll even earn a $5 bonus when you sign up and complete your first five polls.
Any extra money you can put toward your credit cards is good in our book — but in this editor’s opinion, no, a hot dog is not a sandwich.
16. Be a Mock Juror
A mock or surrogate juror reviews evidence and renders a decision to help lawyers prepare for real cases. Participation usually requires a full day cooped up in a hotel conference room.
Fortunately, there are online surrogate juror options, too: eJury and OnlineVerdict. Those opportunities pay $5 to $60, but they can take less than an hour.
To qualify as an online juror, applicants must be:
A U.S. citizen
18 years or older
Free of any past felony convictions
Creating an account for either site above is free but will require a questionnaire that will ask very personal questions about your age, marital status, criminal history, income, political opinions and more.
17. Turn Your Junk Mail Into Cash
You know all those flyers and advertisements you get in the mail each day? The ones you never wanted but have no idea how to opt out of?
Well, you can turn them into cash.
The Small Business Knowledge (SBK) Center is a market research company that wants to get a peep insight your mailbox. Join its consumer panel, and start shoveling that junk mail into a postage-paid envelope and, at the end of each week, send it over to the SBK Center.
No, you won’t be rolling in extra cash, but you can earn up to $20 every six to 10 weeks.
18. Get Paid to Drop a Few Pounds
Bottom line: HealthyWage will literally pay you for losing weight.
Not only are you getting more healthy, you’re also making some money. How’s that for motivation?
Define a goal weight and the amount of time you’ll give yourself to achieve it.
Place a bet on yourself ranging from $20 to $500 a month.
Depending on how much you have to lose, how long you give yourself to do it and how much money you put on the table, you could win up to $10,000!
Wondering if it can really work? We talked to one woman, Christina Castro, who lost 84 pounds — and made $1,191.
19. Make Your Own Schedule as a Data-Entry Clerk
Data entry isn’t the best-paying online job, but it is one you can do with few skills or previous experience — all you need is a solid internet connection and a computer, and you must be at least 18 years old.
Pay ranges on a per-hour or per-project basis. Typically, you can pick up jobs as frequently as you’d like through freelance broker sites like Smart Crowd and Clickworker.
20. Clean up Search Engine Mistakes
Search engines use complicated algorithms to determine the results you see — and they don’t always get it right.
They’re vulnerable to errors, so they need real humans to look at the results and judge them for quality, relevance and usefulness. And those humans can get paid around $12 an hour for the work.
If you want to get paid to clean up Google’s mess (or Bing’s or Yahoo!’s), look for a job as a search engine evaluator.
Tech company Lionbridge is typically hiring for these jobs, and it pays $12 to $15 an hour.
21. Get Cash Back Every Time You Shop at Your Favorite Stores (Get $5 Right Now)
Finding the best grocery deals online is getting more complicated every day.With thousands of coupon sites and referral codes out there, how do you know you’re getting the best deal?
Leave it to Tada to find you the best cash-back opportunities. When you shop at Walmart, Target, Kroger or any of the other thousands of stores Tada partners with, you’ll see all available coupons and get cash back on your purchase.
All you have to do is clip deals from your favorite stores and add them to your app’s virtual grocery list before you shop. You can also scan a receipt after shopping in-store. You’ll see your cash rewards in your account in just a few days, then you can redeem them for gift cards or transfer the balance straight into your PayPal account.
Selling your possessions on the auction site eBay is one way to pocket some cash quickly.
You can also make money by buying designer clothes for cheap, then selling them on the site to the highest bidder. If you have an eye for fashion — or at least the most popular labels — you can track down inventory at local thrift stores.
Create listings for your items, making sure to include well-written item descriptions and quality photographs to give your listings a professional polish (and get top dollar). Check out similar items to get a sense of where to set your starting bid, and be sure to incorporate the costs of shipping and eBay’s seller fees into your price.
Penny Hoarder Kat Tretina resold designer jeans by starting with a minimal investment — packaging tape and a scale to weigh packages for shipping — and ended up more than tripling her money.
How much money can you make? Your profitability depends upon what you’re selling, but for working 10 to 15 hours a month, Tretina made $500 to $800.
23. Create a Blog and (Potentially) Earn Millions
Want to start your own website? Turn it into some money?
It’ll take quite a bit of dedication, but it can really pay off.
Take, for example, Helene Sula, a professional travel blogger who visited more than 85 cities last year and earned $200,000, in part through her blog, “Helene in Between.”
We recommend you start by building up your high-quality content. Then you can look into advertising platforms like Google AdSense, a tool that automatically serves your readers display ads. The price advertisers pay varies, so there’s no way to say how much you can make using Google AdSense, but you’ll get paid when a reader interacts with the ad.
Your mom was wrong. Playing video games might not be a waste of your time after all.
Cory Michael started streaming his gaming sessions and over four years attracted 29 million people to watch him tackle Destiny and other multiplayer online games. As a result, Twitch accepted his partnership application and agreed to pay him to play.
How much money can you make? Michael explained to The Penny Hoarder that there are three ways to make money streaming on Twitch: tipping, ad revenue and subscriptions. Top Twitch streamers can earn hundreds of thousands of dollars per month.
26. Rent out Your Ping-Pong Table
Got a Ping-Pong table you don’t use? Someone might need it for a party, so why not rent it out? You can make money with almost anything in your home now thanks to websites like Zilok that make it easy to rent out your stuff.
Zilok is free for individual members to create listings, but rental businesses have to pay fees. To list your item on Zilok, you’ll have to create a post with a description, photos and a price per day. Once a renter finds your product, Zilok takes a commission depending on the listing price. For everything under $10, the commission fee is $1. Fees range between 5% and 9% for all other price categories.
27. Sell Your Friendship
Get paid to be someone’s buddy! We’re not kidding.
You can register to become a friend at RentAFriend.com, where paying users can contact you to attend concerts, sporting events, family functions, VIP events and more.
You can charge up to $50 an hour and set your own schedule.
Friends working full time (five days a week) earn up to $2,000 a week, plus free dinners and access to those events I mentioned.
What could you do as a friend for 40 hours a week?
First of all, the site clarifies that it is “solely a platonic friendship website” — beyond that, options are endless.
If you have a special skill, like cooking or speaking a foreign language, you could teach them. Some people traveling or new to an area hire a friend to show them the town.
Some people just want someone to talk to.
28. Let NASA Pay You to Stay in Bed All Day
Unfortunately, we haven’t found a way to get paid as a professional napper, but this opportunity is pretty darn close: NASA will pay volunteers to take part in bed rest studies.
Yup — you turn yourself into a test subject and spend 60 days in bed, all in the name of science.
It might be tougher than you think, though. You’ve got to shower, dress, exercise and eat… all from your bed.
The good news is the gig pays. One of the more recent calls for volunteers offered $19,000 for 60 days.
29. Do Online Transcription
Those listening skills you honed by eavesdropping on your roommates’ conversations could finally pay off with a job in online transcription.
Transcription jobs usually require an assessment test to gauge your typing speed and accuracy. Depending on the service, you could be listening to a car commercial or court hearings, so find out what you’re getting into before you apply.
Cherry wishes she had known that tip before she signed up for her first transcription gig, which brought in $85.15 over six months for a job that required extensive testing and a lot of studying to follow a strict style guide.
“For that first transcription job, oh my gosh, I spent hours on that, and I got paid so little,” Cherry said. “I wish I would have just, in the beginning, told myself, ‘Hey, this just isn’t going to be worth it. Find something else.’”
Cherry had better luck after discovering the transcription service Rev, which offered a user-friendly platform and more lucrative projects.
How much money can you make? Making 40 cents to 75 cents per minute of transcription at Rev, Cherry earned $87.45 in one month for less than four hours of work.
30. Answer the Phone
Have you ever considered doing customer service from the comfort of your home? An increasing number of companies are hiring work-from-home customer service reps, instead of running call centers.
These jobs can be full– or part-time and offer a variety of schedules, including daytime, evening and weekend shifts with a range of pay depending on the position and location.
Your job is usually to answer customer questions over the phone or via online chat. You may find sales positions that include higher pay and performance incentives; or technical support positions, which are best if you’re tech-savvy and have an interest in helping people understand technology.
You should enjoy helping people, though! You know how a bad customer service call can totally ruin your day? You don’t want to be the bad rep on the other end of that call.
31. Create and Sell Courses
Are you a self-taught coder with a knack for simplifying instructions? You could create an online course about it. Maybe you’re an expert at finger-picking techniques on acoustic guitar; you could make a course about that, too.
If you’re good at explaining whatever it is you specialize in, people out there are eager to learn, and with Udemy, you can create and host online courses — no master’s degree required.
32. Get Crafty (But Not Too Crafty, If You Don’t Want)
If you’re a creative, consider selling your art on Etsy. Although there are some fees, including the 5% transaction charge, the marketplace connects with more than 33 million buyers globally.
Those are a lot of potential customers.
If you aren’t necessarily the artsy type, you could still make money on Etsy by selling craft supplies. For example, Penny Hoarder contributor Janet Berry-Johnson made about $200 a month selling needlecraft kits and patterns.
33. Publish a Kindle Book
If you’re a subject-matter expert or have an intriguing life experience, you could write a book. But there’s no need to send it off to all the major publishing houses in New York City.
You can publish ebooks through Amazon’s Kindle Direct Publishing platform. Penny Hoarder contributor Steve Gillman wrote a book in a week. Note: Ebooks don’t have be hundreds of pages long. Gillman found many books as short as 6,000 words.
If a classroom full of grimy squealing kids isn’t your scene… we get it. You can still work as a teacher. Better yet: You work as a teacher, set your own hours and work from home.
There are several online-learning platforms focused on teaching English as a second language to students in other countries.
Angela Brumbaugh is a QKids teacher. She teaches 36 half-hour sessions a week and makes up to $20 an hour.
“The curriculum is set for you before class, and your job is to simply guide the children through the lesson, offering guidance, smiles and tons of encouragement,” she says. That’s a big perk for many: No lesson planning.
“The students are hard-working, curious and light up the classroom with their smiles,” she says. “Class time actually goes by fast, and the only con I can see is sometimes I wish I had more time to spend with them!”
36. Become a Life Coach
According to a Forbes’ article on surprising six-figure jobs, about 20% of life and business coaches top $100,000 annually.
The article notes that “No special degree or training is required,” but if you want, you can get certified by the Universal Coach Institute. You can coach your clients by phone and email from the comfort of your home.
37. Pretend to Be a Patient
Fake patients, more formally known as “standardized patients,” are used to train new doctors. It’s essentially an acting job, as explained in NPR’s profile of Gabrielle Nuki. The 16-year-old is paid $15 to $20 per hour to play different roles while medical students examine her.
If you can act and don’t mind being poked and prodded by aspiring doctors, you can look for this work at a number of medical schools.
38. Earn up to $30/Day Watching Movies
When he was just getting started, The Penny Hoarder CEO Kyle Taylor used to get paid to attend movie premieres. He got $30 to see a Harry Potter premiere! (He would have totally gone for free.)
Theaters and movie studios want to collect data about the audience that attends their movie premieres. They want to know how many people buy tickets on opening day, which screening time is most popular and which previews are being shown. And they want independent data from third party evaluators — that’s where you come in.
These are known as “in-theater checks” and to apply, you’ll need to fill out an application with one of the largest mystery shopping companies, Certified Field Associates. The application is just a few questions long and nearly everyone in the United States and Canada is eligible to be hired.
In-theater checks don’t have huge paydays attached to them, but you can usually expect to make between $10 to $20 per hour.
His whole life, he always doodled in the corners of notebooks and napkins, but he never imagined he could make a living from it. Now he sells his imaginative drawings of pizza and sharks and dinosaurs.
Here are some tips to get started:
Create marketable products.
Push yourself. Look for opportunities to get better in your own work, even if it’s just watching YouTube tutorials.
40. Get the Props You Deserve for Being Active
If you live an active lifestyle (or need an incentive to become more active), the Achievement app will reward you for making healthy moves, including upping your step count and logging your sleep.
Achievement connects to your phone’s health apps and runs in the background, so it works passively. Many users report being happily surprised when logging on and checking their progress.
Once you earn 10,000 points, you’ll score $10, which you can deposit directly into your bank account.
Pro tip: Achievement connects to more than 30 Android and iOS health-related apps, including MyFitnessPal and Garmin. The more apps you connect, the more earning opportunities.
41. Do Odd Jobs
TaskRabbit helps you connect with people in your area who need help getting things done — anything from picking up dry cleaning to calling customer service and tolerating the hold music.
Keep an eye out for virtual tasks, which are mostly centered around personal assistance, administrative work or research help. You can do those an earn money without even walking out your door.
2. Take a quality photo and upload it to Foap’s marketplace.
3. Someone buys the license to your photo for $10. You make $5.
If your photo sells 20 times, you make $5 each time and end up with $100 in your pocket — all for about five minutes of work. Pretty cool, right?
44. Start Freelancing
Making a living as a freelance writer, editor or both is possible. Just take notes from Jamie Cattanach, who, in her first year as a full-time freelancer, made more than $50,000. That was several thousand more than she made while working full time on a salary.
Selling Craigslist freebies is a great way to make a profit quickly, because you get the items for free. You could even have cash in hand today.
Go to the free section on Craigslist and look for things that are close to you and easy to sell immediately. They could be scraps from a job site or metal items you can sell, for example.
For a quick turnaround, avoid items like furniture or electronics. These can be good to sell, but they’ll take longer.
Cash in your treasures by reselling on Craigslist, including them in a rummage sale or selling to specialty buyers, like a pawn shop or a local business.
46. Rent out Your Old Baby Gear
Are you a mom?You’ve probably got a lot of baby gear. Think: a crib, a car seat, a playset. Don’t let them collect dust when your kid starts growing out of all that stuff. You can rent out those old baby necessities to traveling parents. Because it costs how much to check a stroller on a plane?!
And you can make some money. Sounds like a win-win.
47. Work from Someone Else’s House
Working from home is wonderful, but sometimes it’s nice just to experience a new space — perhaps in a new town or a new country.
Consider house sitting. People will pay you big bucks to look after their house (and maybe a pet or two) while they’re away.
If you’re not sure where to find these types of gigs, there are tons of websites out there that’ll help, including House Sitters America and Mind My House.
48. Search for Unclaimed Money
State treasuries throughout the U.S. have more than $43 billion in unclaimed funds, according to The New York Times. Just sitting around! Waiting for you to come play lost and found.
To take matters into your own hands and see if you have any unclaimed money floating around, check with the National Association of Unclaimed Property Administrators.
Penny Hoarder reader Kelli Howell heeded our advice, performed a quick search and found unclaimed money in her husband’s name. He was entitled to $56 from a “matured insurance policy.”
Sure, it’s $56, but that’s not bad for an unexpected check, right? We’ll take it!
49. Buy an Apartment Building
Take a look at some of the world’s wealthiest people. What do they have in common? Many invest in large private real estate deals. And here’s the thing: There’s no reason you can’t, too — for as little as $10.
A company called Fundrise lets you get started in the world of real estate by giving you access to a low-cost, diversified portfolio of private real estate. The best part? You don’t have to be the landlord. Fundrise does all the heavy lifting.
Fundrise’s Starter Portfolio has a minimum of only $10 and is geared toward first-time real estate investors. Your money will be invested in the company’s Flagship Fund, which already owns more than $250 million worth of real estate around the country, from apartment complexes to the red-hot housing rental market to larger last-mile e-commerce logistics centers.
As tenants pay their rent, you could earn money through quarterly dividend payments, and over time, you could earn money off the potential appreciation of the property. Since 2014, Fundrise investors have earned roughly $100 million in dividends alone.
Grocery shopping was never exactly pleasant. But these days, it’s a downright struggle. Fighting crowds; keeping six feet of space — just buying toilet paper is a feat. Shouldn’t you have something to show for it?
A free app called Fetch Rewards will reward you with gift cards just for sharing your grocery receipts. Yep, that includes toilet paper brands like Cottonelle and Scott, too.
Just upload the photos of your receipts to the app and Fetch will reward you with gift cards to places like Amazon, Walmart, Chipotle and dozens of other retailers.
And it’s perfect for those of us who don’t want to put a ton of work into this. All you have to do is send Fetch a photo of your receipt, and it does everything for you. No scanning barcodes or searching for offers — and you can use it with any grocery receipt.
When you download the app, use the code PENNY to automatically earn 2,000 points when you scan your first receipt. Then start snapping photos of your recent receipts to see how many points you can earn without a single trip to the store!
Not so bad for a useless receipt, right?
*Past performance is not indicative of future results. The publicly filed offering circulars of the issuers sponsored by Rise Companies Corp., not all of which may be currently qualified by the Securities and Exchange Commission, may be found at www.fundrise.com/oc.
1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year.
2To note, SIPC coverage does not insure against the potential loss of market value.
For Securities priced over $1,000, purchase of fractional shares starts at $0.05.
*Offer is subject to Promotion Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must successfully open an individual brokerage account in good standing, link a funding account to your Invest account AND deposit $5.00 into your Invest account.
Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.
Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.
If you’re in serious debt, you know how hard it can be. There’s the harassing phone calls, the threatening notices and insufficient funds to cover anything more than the necessities. And it feels like you can hardly keep up. You’re nowhere near paying it off, and thanks to high interest rates, the debt isn’t getting any smaller.
You might find comfort in knowing that you’re not alone. But if you have more than $15,000 in debt, you could get your debt under control and regain control of your life with this free debt-relief service.
Let a Professional Renegotiate Your Debt
There’s more than one way to approach your debt. But not every path is right for everyone. But a company called Debt Advisor works with experts who will help you determine what’s best for your financial situation. In some cases, debt settlement might be right for you. Down this path, you’d look for a company willing to take your case and enroll you in their settlement program.
Here’s how it works: Your financial advisors work with your lenders to settle on a lump sum settlement — usually less than the total amount you owed. This could mean lower monthly payments and could save you money in the long run. Debt settlement programs can take several years to complete, but it might be the best option for you.
You might have to pay toward the settlement in a separate escrow account, so your monthly payments might not count towards your troubled accounts.
If a deal is reached and you stick to making your payments, you might once again find your mailbox packed with credit card offers — annoying, but that’s actually a good thing.
Find the Best Solution for You
There is a way back to financial freedom. Just answer a few questionsonline to connect with one of Debt Advisor’s financial consultants. They’ll help you decide what the best solution is for your situation — and you’ll be that much closer to getting your financial life back on track.
Is your credit card debt slipping out of your control? It’s designed to happen that way, you know.
Maybe something unexpected happens, and you get a little behind on your bills and rely on your credit card to get by. Next thing you know, you’re stuck paying north of 20% interest on a revolving balance you feel like there’s no hope of ever paying off.
Your options can feel less than ideal, too. Declaring bankruptcy? Taking out an expensive loan? No thanks. That’s why we like a debt-relief company calledFreedom Debt Relief.
Their program negotiates directly with your creditor to help you find a way to get rid of debt much faster and for less money than making your minimum payments — and you don’t have to declare bankruptcy or take out a loan.
Find the Right Move for You
Here’s how it works: You’ll start with a free consultation with one of Freedom Debt Relief’s experts. They’ll review your finances and help figure out your best path to get rid of debt.
With their debt-relief program, you’ll first need to show why you’re struggling to make your payments. Then you’ll stop using your credit cards and open an FDIC-insured account in your name that you’ll control. That’s where you’ll send monthly deposits that’ll go toward paying off your debts.
Meanwhile, Freedom’s negotiators will talk to each of your creditors to secure a settlement — either a lump sum or structured settlement that’s less than what you owe. Once you approve the settlement offer from the creditor, you’ll pay the settlement out of your savings account. You don’t owe anything until your debt has been settled. There’s no cost to enroll and no upfront fees to be part of the program. The program could help you get out of debt in as little as 24 to 48 months.
You can cut down a lot of what you owe this way, pay less into your account than you’re paying your creditors each month and get rid of debt.
You might be worried about how this will impact your credit: When you choose to stop making your credit card payments to help Freedom Debt Relief better negotiate with your creditors, you might take a temporary hit to your score. But Freedom Debt Relief’s studies show that people who use their program come out with similar or higher credit — and much less debt.
How This Company Helps Tackle Your Debts
Remember — your debt is uniquely yours, and paying it off involves a specific strategy that works for you.
This process is all about setting you up for success. A debt specialist will review your situation and figure out your best path to get rid of debt. They’ll talk you through your options and spell out a strategy for reducing your overall debt and maximizing your savings.
In an industry that’s beset by scams and ripoffs, Freedom Debt Relief has a very nice A-minus rating from the Better Business Bureau, and since 2002, it’s helped more than 800,000 customers resolve more than $15 billion in debt.
The United Nations calls climate change “the defining crisis of our time.” In a culture obsessed with instant gratification — and with world leaders caught up in the politics of it all — the rest of us can be left feeling helpless about it.
What exactly can we do to have an impact? Stick expensive solar panels on the roof? Switch to a plant-based diet? Take shorter showers?
Of course, all these endeavors are worthwhile, but there’s a surprisingly simple move you can make to have a big impact on fighting climate change: changing where you bank.
Banking’s dirty secret is that banks are huge contributors to the climate crisis, investing trillions of dollars of their customers’ deposits into fossil fuels.
That’s why we like Ando, an online banking platform that only invests in companies that are directly fighting climate change. On top of that, Ando lets you get paid two days early and never charges a fee for any of its features.
How Switching Where You Bank Can Fight Climate Change
Ando is a state-of-the-art mobile banking platform with all the features you’d expect in today’s digital-first world. Once you set up direct deposits, it won’t charge you any fees for anything, ever. Here are some of our favorite features:
No overdraft fees: Unlike virtually all the brick-and-mortar banks, Ando doesn’t charge you for overdraft protection.
Checking account: Ando comes with a Visa Debit Card with no minimum deposit required and easy remote deposits and digital payments.
Referral bonuses: Invite up to five friends to join Ando, and you can boost your savings account interest rate up to 5% APY. Plus, you and each friend can earn up to $15 with Ando friend referrals.
ATMs: You can get cash with your debit card at more than 34,000 ATMs across the country with no fees. There’s a $2.95 fee for out-of-network ATMs.
Customer service: Available seven days a week via email or phone.
Insured: Money in your Ando account is FDIC-insured for up to $250,000.
How the Other Guys Use Your Money
Where do most banks invest your deposits — more than 90 cents of every dollar? Fossil fuel companies and their ultra high polluting projects. They’re using your money to contribute to the climate crisis.
“Most people don’t realize that the money we have on deposit is utilized by the bank to make loans and purchase securities,” says Ando’s founder, JP McNeill. “This is how traditional banks make money.”
The big banks are largely bankrolling the fossil fuel industries, to the tune of nearly $3 trillion in the last five years alone.
Where does Ando invest your deposits? Clean, renewable energy, sustainable transportation, regenerative agriculture and green buildings. Ando invests exclusively in green initiatives and is 100% transparent as to where those investments are made.
How to Get Started
For too long, you’ve had no control over how your bank uses your hard-earned money. Now there’s something you can do about it. Sign up with Andovia their app, which is available for iOS or Android.
Mike Brassfield (email@example.com) is a senior writer at The Penny Hoarder.
Most bank accounts these days pay you a tiny little pittance in interest on your money, and they’re eager to charge you hefty $35 overdraft fees whenever they can. That’s how the big banks make their profits.
Why let them rip you off? Luckily, we’ve found a banking service that pays you the highest interest rate we’ve seen in some time. It’s called One,and itpays you up to 50 times the national average. (That’s not a typo. We’ll lay out the numbers for you.)
Not only that, but One also allows you to borrow money from an affordable line of credit that it makes available to you. And it lets you overdraft your account without charging you any fees.
One is a state-of-the-art online account that’s built for the 2020s. It combines all the helpful features that other digital accounts offer — like the ability to get paid up to two days early. And you can save money automatically.
What makes One unique, though, is its generous interest rate combined with its handy Credit Line that can help you plow through any temporary financial obstacles that come your way. No other account we’ve seen can match it.
Organize Your Money Easily
This is an all-in-one account, a hybrid of spending and saving that keeps your money in different “Pockets.”
Here are the three Pockets you start with:
Spend: This basically functions like a checking account with a debit card. There are no maintenance fees or minimum balances. If you want, you can also create different Pockets in here for a variety of expenses, like gas, rent or groceries.
Save: You can put savings in this Pocket, which pays a nice interest rate of 1.00% APY* — way higher than most traditional banks. It pays interest on balances up to $5,000, or up to $25,000 if you’re direct-depositing your paychecks to One.
Auto-Save: This is the headliner, the big draw for a lot of One customers. This is where your automatic savings go. It functions as a high-yield savings account, paying out a whopping 3.00% APY*. Seriously, that’s 50 times the national average interest rate for savings accounts, which is currently 0.04% APY, according to the FDIC.
You can Auto-Save in two different ways. You can funnel up to 10% of your direct-deposit paychecks (up to $1,000 per month) into this Pocket. You can also round up your debit card purchases to the nearest dollar, sending your digital spare change into Auto-Save.
Each of these three Pockets — Spend, Save and Auto-Save — has its own account number, so you can set up direct deposits to each of them if you want.
You can also set up Shared Pockets with other people, similar to a joint account. Share an account with your spouse or your roommate and save toward mutual goals.
Tens of thousands of One customers have created Pockets to share more than $20 million with others.
So. Many. Features.
There’s a lot of competition in the growing industry of digital banking services. That field is getting kind of crowded, to be honest.
So, like we said earlier,One makes sure it offers every available modern-day banking tool that’s designed to make your life easier.
Here’s a list.
Borrow money: When you set up direct deposit, qualifying customers can get access to a line of credit that’s equal to the value of their paycheck. If you find yourself in a financial crunch, it’s super easy to finance purchases from your Credit Line. It charges interest at 1% per month, which amounts to 12% APR⁑. (Credit cards charge way higher interest than that.)
Get paid early**: If you have direct deposit, you may be able to get your paychecks up to two days early, depending on your employer.
Fee-Free Overdraft protection: The average overdraft fee banks are charging these days has risen to nearly $35. With this account, you avoid overdraft fees. If you overdraft your account, it automatically dips into your Credit Line to make up the difference. If you pay it back by the end of the month, you won’t pay any interest.
ATMs: You can use nearly 55,000 ATMs fee-free through the Allpoint network.
Credit Builder†: This feature makes automatic on-time payments for qualifying customers every month, helping to build your credit and improve your credit rating.
FDIC insured: Your account is FDIC-insured through One’s partner, Coastal Community Bank. It’s protected by bank-level 256-bit encryption.
Pros and Cons
Are there any drawbacks to One? Well, if you’re not used to having an online-only account, it can be a bit of an adjustment. But you might be surprised by how little you’ll miss having a brick-and-mortar bank to go to. You don’t really need one.
One has customer support available by phone, email or chat Monday through Friday.
Here are the pros we like most:
We like the ability to earn some real interest on your earnings. Brick-and-mortar banks used to pay out decent interest on savings accounts, but they don’t anymore.
We like the flexibility One gives you to power through any temporary financial glitches you run into. We also like the ability to easily share money with others.
These reasons are why One’s app is highly rated by those who use it. As of September, the app was rated 4.8 out of 5 with 8,500 reviews in Apple’s App Store, and was rated 4.6 out of 5 with nearly 5,000 reviews on Google Play.
Signing up is easy. You type in your basic info. They do a soft credit check, which won’t hurt your credit, then you finish your profile.
One’s motto is, “Organize your money, simplify your life. Make real progress.” If you use the tools it offers, you actually can make real progress.
Mike Brassfield (firstname.lastname@example.org) is a senior writer at The Penny Hoarder. He likes earning interest.
*Annual Percentage Yield effective as of 9/1/2020 and subject to change. 3.00% APY available on all Auto-Save balances. Maximum contributions of up to $1,000 per month for paycheck Auto-Save and no maximum contribution for card Auto-Save. 1.00% APY available on Save balances up to $5,000, up to $25,000 with a qualifying paycheck direct deposit.
Early Paycheck may post up to 2 days earlier than the scheduled payment date. Early direct deposit of a paycheck depends on factors such as timing of the payer’s deposit transmission, and the type of payer transmitting the deposit. Learn more about what qualifies as a paycheck direct deposit here.
⁑ Subject to credit approval. Offer valid for One account holders issued One cards. We’ll inform you of your credit limit after you set up recurring qualifying direct deposits. Your credit limit may be determined by multiple factors including your credit score, income, and ability to repay. APR ranges from 12% to 18%. Additional limitations, terms and conditions apply.
† Credit Builder functions as a secured charge card that is designed to help you build your credit. Must have a One account to use Credit Builder. No credit history required. A variety of factors impact your credit including payment history, utilization, derogatory marks, account age, total number of accounts, and inquiries. Building your credit may take time and is a process, but Credit Builder may be able to help.
FDIC national average interest checking rate as of 05/17/21
The One card is issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International.Banking services provided by Coastal Community Bank, Member FDIC. One is a financial technology company, not a bank.