13 Ways To Make Money Without a Job

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Wondering how to make money without a job? A real job? Well, by “real” job, we mean your classic 9-to-5, Monday-through-Friday desk job.

Unless you win the lottery or strike inheritance gold, you can’t really live without an income. But you might be able to replace your day-to-day with more flexible side gigs and forms of passive income.

Whether you’re unemployed, disabled, a stay-at-home parent, retired or simply want some extra income, here are ways real people have made money without a typical job.

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. See How Much Extra Cash This Company Can Get You

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. When you sign up for a debit card called Aspiration, you could get up to 5% back when you swipe at certain stores — plus they give you up to 50 times the normal national interest rate on your savings balance.

It’s perfect for earning extra cash for things that are already on your shopping list. You were going to buy these things anyway — why not get this extra money in the process?

This card used to have a huge waiting list, but now you can sign up for free.

Just 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.”

3. Invest in Multi-Family Real-Estate (Even if You’re Not Filthy Rich)

Wood house model, a stack of coins, one pair of eyeglasses, a succulent, eyeglasses, a pen, and saving account book or financial statement on office desk table.
sureeporn/Getty Images

The uber wealthy 1% have access to exclusive, lucrative real estate investments that seem totally out of reach to the rest of us.

But not anymore.  A company called CalTier lets you invest in commercial real estate — specifically, multi-family apartment complexes across the country — for as little as $500.

Traditionally, you’d need a six-figure income or a million-dollar net worth to invest like this.

Instead, CalTier lets you invest like the big wigs in the real estate world, even if you’re not rich. Investments in multi-family housing have outperformed the S&P 500 for the last 20 years* — and it’s expected to grow another 33% this year alone.

CalTier also gives you a 30 day money-back guarantee. And if you have any questions along the way, you can talk to a real human to get them answered.

Ready to join the ranks of wealthy and institutional real-estate investors? It’s easy to open a free account and get started here.

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

Our smartphones are the world’s greatest time-killers. Browse Facebook, Twitter, TikTok or Instagram. Watch a video on YouTube. Play some Minecraft or Roblox.

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.

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.

5. Get Paid up to $80/Month — Just for Sharing Your Opinion 

Female tourist waling on street and using smart phone. Wears casual clothes, sunglasses, bag.
Vladimir Vladimirov/Getty Images

Taking surveys might not sound like the best way to make money, but if you’re just vegging out on the couch — or pretending to be interested in your partner’s new favorite show — why not click a couple buttons? It could earn you up to $80 a month. Seriously.

There are a bunch of paid survey sites out there, but one of the best we’ve found is Survey Junkie.

They’ll ask you questions about things like, what kind of laundry detergent you use, or if you prefer Pepsi or Coke. You get points for answering, and many people accumulate enough points to request a check within a few hours.

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

Give it a try by visiting Survey Junkie and clicking the “Join Now” button. It’s free.

6. Get Paid to Skip Going to the Store

A woman leans against a red-brick wall as she looks into her phone, smiling.
Tina Russell/The Penny Hoarder

Picture this: You finish paying for your groceries, only to look down at your overflowing cart, dreading having to lug all that to your car. And then into your pantry. Isn’t it so much easier to do this online?

It is easier online, and it can be rewarding too. A free website called Rakuten gives you a kickback of 3%, 5%, 15% or more when you shop online at thousands of your favorite stores.

Between your Target and Instacart orders, Disney+ subscription and Ulta splurges, that cashback really adds up. Plus, it can be directly deposited into your bank account or they’ll send you a check.

We talked to Denver, Colorado, resident Colleen Rice, who says she uses Rakuten for things she already has to buy, like rental cars and flights. So far, she’s received checks in the mail totaling $526.44 — for doing nothing.

It takes less than 60 seconds to create a Rakuten account and start getting cashback. All you need is an email address, then you can immediately start shopping your go-to stores through the site.

Earning money for nothing? Not having to carry 80 lbs. of groceries? Sounds like a win/win.

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

A man organizes boxes in his garage.
Getty Images

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 works by connecting people who need storage space with hosts who have the 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 will recommend a dollar amount based on your location and type of rental, but the final listing is up to you.

Neighbor even gives you up to $1 million in free protection as a host and offers protection plans for your renters, giving you both peace of mind.

Neighbor is an easy source of passive income, and it’s easier than most side hustles. 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.

8. Earn up to $69/Hour Working From Home

We get it. There are kids to drop off at school, errands to run and dinner to cook, so the idea of getting a full-time job without any flexibility just doesn’t work for a lot of people.

Truth be told, life would be a lot easier if you could just make money without leaving the house. But that’s not something most employers offer. But have you considered bookkeeping? It’s the No. 1 most profitable business, according to an article in Inc Magazine.

And you could earn up to $69 an hour by starting your own bookkeeping business, according to Intuit, the creator of QuickBooks.

You don’t have to be an accountant or good at calculus to be successful at bookkeeping. As long as you’re motivated, a company called Bookkeepers.com will teach you everything you need to know. It’s one of the leading training courses in the field, and it even gives you the first three classes for free.

It’s helped thousands of people launch their own businesses, including Daniel Honan, a military veteran and former painter. He never considered starting his own company, but he signed up for Bookkeepers.com, and now he’s making $50,000 a year.

It only took him three months to get started, taking one class a week. Oh, and he makes his own schedule, earns up to $69 an hour and is able to spend more time with his wife than ever.

If you’re just a little curious, you just have to submit your email address here to take the first free class. If you stick with it, you could be running your own business in just a few months.

9. Add $225 to Your Wallet While Watching the News

cash back apps

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.

10. Get Paid to Lose Weight

A man and a woman stand side by side as they smile and hold up checks they earned from Healthy Wage.
Photo courtesy of Katelyn Pincock

Bottom line: HealthyWage will pay you to lose weight. How’s that for motivation?

Here’s how it works:

  1. Read our full HealthyWage review, and sign up.
  2. Define a goal weight and the amount of time you’ll give yourself to achieve it.
  3. 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.

Success story: Katelyn Pincock and her husband, Cort, bet $75 per month for six months. She wanted to lose 40 pounds, and he wanted to lose 60. They met their goals and ended up winning almost $3,000.

11. Search for Unclaimed Money

A pair of hands hold out a dollar bill.
Tina Russell/The Penny Hoarder

State treasuries throughout the U.S. have had more than $43 billion in unclaimed funds at one time, according to The New York Times.

To see if you have any unclaimed money, check with the National Association of Unclaimed Property Administrators. (Beware: There are several look-a-like sites out there. Be sure you’re searching legitimate ones.)

Success story: Penny Hoarder reader Kelli Howell heeded our advice, performed a quick search and found unclaimed money in her husband’s name. Sure, it was only $56 in an old insurance claim, but that’s not bad for an unexpected check, right?

12. Get Paid to House Sit (and Even Travel)

Are you obsessed with HGTV and those dream homes? Well, you could get paid to hang out in one with a house-sitting gig.

Choose to housesit in your neighborhood or find gigs across the world (free travel accommodations!). Check out these five house-sitting websites to get started. A few have annual membership fees, but the experience — and income — could be well worth it.

We talked to one Canadian couple, Dalene and Peter Heck, who traveled the world via house-sitting gigs — from Honduras to Paris.

13. Sell Flea Market Gems for Profit

If you frequent flea markets or the “freebies” section of Craigslist, keep your eyes peeled for items you can resell for a higher rate.

Success story: Rob Stephenson calls himself the Flea Market Flipper and has made up to $30,000 a year finding and selling flea market gems. Once, the Orlando, Florida, man found a $30 prosthetic leg and turned around and sold it for $1,000 on eBay, his go-to selling site.


The Aspiration Spend & Save Accounts are cash management accounts offered through Aspiration Financial, LLC, a registered broker-dealer, Member FINRA/SIPC, and a subsidiary of Aspiration Partners, Inc. (“Aspiration”). Aspiration is not a bank.

CalTier: An offering statement regarding this offering has been filed with the SEC. The SEC has qualified that offering statement, which only means that the company may make sales of the securities described by the offering statement. It does not mean that the SEC has approved, passed upon the merits or passed upon the accuracy or completeness of the information in the offering statement. You may obtain a copy of the offering circular that is part of that offering statement here:

You should read the offering circular before making any investment.

There is no guarantee of success, and there is a potential for loss of your investment.

*https://www.caltierrealtyfund.com/strategy

9 Ways to Earn Extra Gas Money and Save at the Pump

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.

Filling up the gas tank was never exactly anybody’s idea of a good time. But these days, it can feel downright miserable. Prices at the pump have been steadily climbing. Add that to rising inflation, stagnant wages and skyrocketing costs of living, and it feels like we just can’t catch a break.

But here are some foolproof ways to earn some extra gas money and save at the pump.

1. Use an App to Find the Cheapest Gas

You could spend an afternoon tracking down the cheapest gas station in your area. But who has that kind of time? Not to mention all the gas you’d waste in your search.

Why not let an app do the work for you? Apps like GasBuddy and Waze tell you the price of gasoline at the stations in your area, so you can find one on a route you plan to drive anyway. Plan ahead, so you’re not forced to shop on an empty tank.

The price of gas can also vary significantly across state lines, so if you’re planning a trip, check where prices are lower throughout your route. Avoid getting gas at stations just off a highway exit or in the middle of a major city — these stations tend to charge more than ones a little more out of the way.

2. Let This App Pay You up to $83 in Gas Money 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. Use This Secret Debit Card

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. When you sign up for a debit card called Aspiration, you could get up to 5% back when you swipe at certain stores — plus they give you up to 50 times the normal national interest rate on your savings balance.

It’s perfect for earning extra cash for things that are already on your shopping list. You were going to buy these things anyway — why not get this extra money in the process?

This card used to have a huge waiting list, but now you can sign up for free.

Just 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. Add $225 in Gas Money to Your Wallet While Watching the News

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.

5. Use Cash Instead of a Card

Some gas stations charge a lower price per gallon if you pay with cash rather than a credit card. It’s their way of avoiding card processing fees. While some stations will let you pay the cash price if you use a debit card, others won’t. Check with the gas station before you swipe your card, or simply use cash when it’s time to fill up.

6. Play Bingo on Your Phone for Gas Money — up to $83 Per Win

Do you play games on your phone just for fun? You should see if you can make money doing it, too.

A free iPhone app called Bingo Cash lets you play for real cash. Every win could pay you up to $83. 

Bingo Cash is based on the classic Bingo format, where 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.

And no, there’s no catch. There are no ads, either. You can play for free or pay to play in higher-stakes tournaments. 

Download the free app and start playing your first game immediately. You could win money today!

7. Fill Up Early in the Week

According to a 2022 GasBuddy gas price analysis, gas prices tend to be the lowest on Mondays and Fridays — this is a change from just a few years ago. If you’re looking to buy cheap gas, avoid filling your tank on Wednesdays, Thursdays or Saturdays, when gas prices tend to be the most expensive.

8. Check Your Driving Habits

Small habits can add up to big differences in gas expenses. Here are a few to look out for:

  • Accelerate slowly: Generally, the faster you accelerate, the more gas you use. Be gentle on that pedal when getting up to highway speed. You’ll also get better mileage by coasting more, so look ahead for stops and turns. 
  • Reduce your idling time: Not only is sitting in your running car causing unneeded pollution, it’s also costing you gas money. Don’t start the car and leave it running while you look for the perfect playlist, and don’t sit in the driveway answering texts when you get home. 
  • Check your tire pressure: Underinflated tires can lower your gas mileage and cause you to lose about 3 cents per gallon, according to the U.S. Department of Energy.
  • Check your gas cap: A bad seal or missing cap can allow gas to evaporate from your tank. This costs you money and pollutes the air. 
  • Lighten your car: The less your car weighs, the better gas mileage it gets. Remove any unnecessary things you’ve been lugging around. 
  • Carpool: It’s a classic for a reason. Organize a rotating carpool with neighbors, friends or co-workers whenever possible. 

9. Cancel Your Car Insurance

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.

The Aspiration Spend & Save Accounts are cash management accounts offered through Aspiration Financial, LLC, a registered broker-dealer, Member FINRA/SIPC, and a subsidiary of Aspiration Partners, Inc. (“Aspiration”). Aspiration is not a bank.

10 Ways to Make Extra Money If Your Rent Went Up This Year

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.

Did your rent just go up? I know mine did.

Holy cow, these rent hikes! How are we supposed to afford this?

Skyrocketing rents, combined with rising prices for basic necessities like food and gas, means tenants are being priced out of apartments and rental houses all over the country.

Rents have gone up by nearly 20% across the U.S. compared to last year, according to a number of different studies and reports. Over the summer, the average monthly rent reached $2,000 for the first time, according to a report from the real estate brokerage Redfin.

What can you do to protect your bank account if you’re feeling the squeeze? We’ve got tips for you. These are ways to make and save more money that you probably haven’t thought of before.

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

Our smartphones are the world’s greatest time-killers. Browse Facebook, Twitter, TikTok or Instagram. Watch a video on YouTube. Play some Minecraft or Roblox.

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.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right? But there isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure.

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 Out If You’re Overpaying

Wouldn’t it be nice if you got an alert when you’re shopping online at Target and are about to overpay?

That’s exactly what this free service does. 

Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.

Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.

In the last year, this has saved people $160 million.

You can get started in just a few clicks to see if you’re overpaying online.

3. 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.

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.

4. Get Up to 40% Cash Back When You Shop Online 

Chances are you do some of your shopping online. Whether it’s pet food from Walmart, a new outfit from Macy’s or even a flight home for summer vacation, you’re probably leaving money on the table.

A free website called Rakuten has the hookup with just about every online store you shop, which means it can give you a kickback every time you buy. 

In fact, since Colleen Rice started using Rakuten, she’s earned more than $526.44. For doing nothing. Seriously. 

Rice says she uses Rakuten for things she already has to buy, like rental cars and flights. 

It takes less than 60 seconds to create a Rakuten account and start shopping. All you need is an email address, then you can immediately start earning cashback at your go-to stores through the site. 

Your cash will be deposited directly into your bank account or via a check in the mail every few months. Talk about money for nothing.

5. Get Paid Up to $140/Month Just for Sharing Your Honest Opinion

Brands want to hear your opinion to help inform their business decisions on everything from products and services to logos and ads — and they’re willing to pay you up to $140 a month for it.

A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.

It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time. 

And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.

They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.

It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.

6. Spend 2 Minutes Doing This to Save up to 35% on Gas, Groceries and Going Out to Eat

Your monthly budget is already stretched to the max — but an app called GetUpside wants to help you cut your spending by giving you discounts every time you shop at partner stores. 

All you have to do is download the free app, claim an offer and upload your receipts. When you snap a pic of your receipt, you can save up to 25 cents per gallon on gas, plus cash back on your grocery haul (without having to clip coupons).  

And at some restaurants, you can get up to 35% cash back on your bill! Just check the app to see what discounts are available near you.

It takes a couple of minutes to sign up for GetUpside. You’ll earn cash, which GetUpside sends you through PayPal, e-gift cards or deposits directly into your bank account. They’ve already paid out $100 million — how much could you earn? 

7. Get Paid for Your Opinion (as Soon as Today)

Got opinions? Here’s another good online survey site.

The catch with a lot of these sites is that it takes forever before you can actually get paid. You find yourself taking tons of surveys before you ever see a single cent — if you even qualify for the survey at all.

That’s why we like a website called Survey Junkie. It rewards you no matter what — even if you don’t qualify. And it lets you cash out a lot faster than its competition — you could even get paid today.

You get points for every survey you take, and once you’ve earned 500 points, you can cash out and get your first $5. A lot of sites make you wait until you’ve earned $20 or $25 worth of points before you can claim your earnings.

Most people get their money within seven days of signing up — but the pace is entirely up to you. Plenty of folks cash out the same day. And you can choose to get paid via PayPal or with digital gift cards.

No, you won’t necessarily get rich taking surveys online, but it’s an easy way to make a little extra cash while you’re killing time. Signing up takes about one minute, and you’ll immediately  earn points just for creating your account. You’ll be that much closer to cashing out. 

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

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 works by connecting people who need storage space with hosts who have the 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 will recommend a dollar amount based on your location and type of rental, but the final listing is up to you. 

Neighbor even gives you up to $1 million in free protection as a host and offers protection plans for your renters, giving you both peace of mind. 

Neighbor is an easy source of passive income, and it’s easier than most side hustles. 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.

9. Add $225 to Your Wallet While Watching the News

It’s been a historic time for 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

10. Earn up to $69/Hour Working From Home

We get it. There are kids to drop off at school, errands to run and dinner to cook, so the idea of getting a full-time job without any flexibility just doesn’t work for a lot of people.

Truth be told, life would be a lot easier if you could just make money without leaving the house. But that’s not something most employers offer. But have you considered bookkeeping? It’s the No. 1 most profitable side business, according to Inc. magazine.

And you could earn up to $69 an hour by starting your own bookkeeping business, according to Intuit, the creator of QuickBooks.

You don’t have to be an accountant or good at calculus to be successful at bookkeeping. As long as you’re motivated, a company called Bookkeepers.com will teach you everything you need to know. It’s one of the leading training courses in the field, and it even gives you the first three classes for free.

It’s helped thousands of people launch their own businesses, including Daniel Honan, a military veteran and former painter. He never considered starting his own company, but he signed up for Bookkeepers.com, and now he’s making $50,000 a year.

It only took him three months to get started, taking one class a week. Oh, and he makes his own schedule, earns up to $69 an hour and is able to spend more time with his wife than ever.

If you’re just a little curious, you just have to submit your email address here to take the first free class. If you stick with it, you could be running your own business in just a few months.

So, don’t let the rising rent get you down. These are 10 things you can do to protect yourself — and you can start today.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder.

If You Rely on Tips, Make These 7 Moves

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When you rely on tips to pay the bills, managing your money can be tricky. It’s hard to know exactly how much cash you’ll be taking home after each shift, which makes planning and budgeting seriously tough.

Not to mention the fact that the service industry took a huge hit during the COVID-19 pandemic. Add in rising costs of living and bad tippers, and it can all feel a bit overwhelming.

But don’t fret — if you rely on tips, here are some things you can do right now.

1. Make Sure You Have a Budget

When you rely on tips, your income can be unpredictable. Your take-home pay might be wildly different from shift to shift, week to week.

This can make planning out your finances tough. But one of the most important things you can do for your finances is to have a budget. The first step is to start tracking your income. Contributing writer and bartender Jeff Morrison suggests tracking your income after every shift for 10 weeks to find your average weekly pay. 

“Pick the lower of the averages and base your budget on that figure,” says Morrison. “Just to be safe. I expect you’ll find your income to be more consistent than you’d think, as long as you take the longer view.”

Then pick a budgeting method. We like the 50/20/30 method because it makes things super easy, and it offers a lot of flexibility.

Here’s how it works:

  • 50% of your income goes toward essentials.
  • 20% goes toward financial goals.
  • 30% goes toward personal spending.

Once you get the hang of it, you can tweak the ratios to fit your specific situation. Find what works best for you and your goals.

2. Keep Your Cash in an Account that Earns You 83x What Big Banks Pay

Working for tips typically means you’ve got lots of cash. But it’s not doing you any good in your wallet or under your mattress. You should be keeping it somewhere that pays you plenty of interest on it. 

An account with Aspiration lets you earn up to 5.00% APY — 83 times more than big banks. 

Not too shabby!

Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash. Your money is FDIC insured and they use a military-grade encryption, which is nerd talk for “this is totally safe.”

3. Get Paid up to $80/Month — Just for Sharing Your Opinion 

It’s no secret that the service industry has taken some hits. If you rely on tips, you might need a little extra cash more than ever. We found a super low-effort side gig you can do in your free time while you’re just lounging on the couch. 

A site called Survey Junkie could pay you up to $80 a month just for filling out surveys. Seriously.

There are a bunch of paid survey sites out there, but this is one of the best we’ve found.

They’ll ask you questions about things like, what kind of laundry detergent do you use? Or, Do you prefer Pepsi or Coke? You get points for answering, and many people accumulate enough points to request a check within a few hours. 

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

See how much extra cash you could earn by visiting Survey Junkie and clicking the “Join Now” button. It’s free.

4.  Win Up to $249 Playing Games on Your iPhone 

If you play games on your iPhone, but aren’t winning money every time, you’re making a big mistake. 

We know of three different apps that can score you up to $83 every time you win a game. Whether you want to play Solitaire, bingo or just pop some bubbles, there’s an app for you to rake in the cash.

Solitaire Cash, Bingo Cash and Bubble Cash are three of our favorite iPhone games that can earn you serious money. Each of them are totally free to download and there’s no risk involved, since you can play for free, too.

Even better? None of the apps have annoying ads to deal with, so you can keep on playing and earning. 

Ready to start earning some cash while you have some fun on your phone? Download Solitaire Cash, Bingo Cash and Bubble Cash for free and earn nearly $250 in your spare time.  

5. Immediately Set Aside 10-15% of What You Make Each Shift

Here’s another tip from contributing writer and bartender Jeff Morrison. Doing this helps with taxes; set aside even more if you can.

Most people who rely on tips have a pretty low base pay rate, which means they’re often stuck with a large tax bill every year. Start planning and saving for it now so you don’t find yourself in a bind later.

6. Invest 15 Cents Into the Stock Market

When you’re dealing primarily with cash, it can be easy to forget about investing. And when money is tight, it’s not the first thing on your mind. But you can start small. Like, pocket-change small.

That leftover change from your morning coffee or after-shift meal could turn into more than $1,000.

That’s what happened when Penny Hoarder reader Jeremy Kolodziej opened an investment account with Acorns. The app’s round-up feature bumps each of your purchases up to the nearest dollar and puts the spare change into the stock market, which helped him mindlessly save $1,076 in about 20 months.

“It’s a virtual coin jar,” he says. “You don’t even think about it.” He used the spare change to pay for two vacations.

Plus, Acorns invested the money for him, allowing him to grow his savings — without studying stock prices or managing trades.

The app is $1 a month for balances under $1 million, and you’ll get a $5 bonus when you sign up.

7. Cancel Your Car Insurance

Working for tips, you don’t really have the luxury of working from home. And for a lot of people, that means driving to work. When was the last time you compared car insurance rates? 

If it’s been more than six months since your last car insurance quote, chances are you’re seriously overpaying. 

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.

*Cash tournaments aren’t available in Arizona, Arkansas, Delaware, Indiana, Louisiana, Maine, Montana, South Carolina, South Dakota, Tennessee or Vermont.

Earn an Extra $100 in Gift Cards by Trying New Games on Your Phone

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It’s official. Our parents were wrong: Playing video games isn’t a waste of time — especially since you can earn money playing games on your phone.

A free app called Rewarded Play lets you earn hundreds of dollars in gift cards from popular brands just for playing games you’re probably already familiar with. Who knew Candy Crush and Words with Friends could turn into a legit side hustle?

Playtime is what pays. You don’t even have to win or set high scores to earn hundreds of dollars in gift cards from companies like Amazon, Target and Best Buy. You just need to launch the games through the app.

Free to Play, Free to Earn

First things first. This is completely legit, and you don’t have to pay anything at all to get paid. And while winning helps you earn more, it’s not at all necessary to rake in the digital dollars on a gift card of your choice.

The Rewarded Play app just wants you to spend some time playing their clients’ games. You can choose from games such as “Scrabble,” ”Wheel of Fortune,”  “World Series of Poker” and many more.

Most people earn enough points to cash out for $5 within 24 and 48 hours, and we’ve heard from some users who have earned hundreds of dollars in just a couple months.

Earning Your First $5 Gift Card

Seeing is believing, right? Here’s how to earn a quick $5 for simply exploring a sample of what Rewarded Play has to offer.

You just have to download the Rewarded Play app and open three games inside of it. Complete two basic activities in each of those games and check in on the app two days in a row.

That’s it. Then it’s time to choose and redeem your gift card. And now that you understand how it works, you can really start to earn the big money redeemable on gift cards.

Ready to see for yourself? Download the Rewarded Play app and see how easy it is to make a few hundred extra dollars in gift cards.

This App Can Help You Save $720 This Year

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You try to budget carefully. You’re pretty frugal. But after payday, there’s hardly anything left over. Where does it all go?

With so many different bills to keep track of each month, it can be tough to see leaky spots in your budget. Luckily, an app called Truebill can do it all for you — and it could save you $720 this year.

You’ve probably heard of them by now. It’s been making a name for itself by helping people find and cancel forgotten subscriptions, negotiate lower bills and track their budget — all in the same app. 

How Truebill Could Save You $720 This Year

Most of us have something quietly siphoning off our buying power, whether it’s bogus administrative fees baked into our bills or subscription services we forgot about. (84% of us have a forgotten subscription!) 

Truebill will help you with both. And the average Truebill user saves $720 a year. Seriously.

With its subscription cancellation service, you no longer have to weed through every one of your bills, trying to keep everything straight. Is this charge from that company? Or was it the other one? Which card is that bill on? Is it on autopay? When will they bill me? And what’s my password, again?

Truebill’s subscription cancellation service shows you all your recurring expenses in one place. All you have to do is tap the ones you want to pause — you can easily restore them whenever you’re finally ready to really use them. And Truebill handles it all for you.

With bill negotiation, Truebill’s reps will work directly with companies to negotiate a lower monthly rate on your behalf — without sacrificing the services you still want. 

Just upload a picture of your statement, and Truebill will get to work negotiating a better rate on your cable, internet, credit card and phone bills (and more).

And there’s really not much you need to do on your end. Simply let Truebill get to work reclaiming your money.

Everything in One Place

Bills and other recurring expenses are just part of the picture. But you don’t have to leave the Truebill app to see the rest.

There’s also a budgeting tool that can help you track and visualize your cash flow, savings and investments. It lets you set notifications to alert you when your spending starts to strain your budget.

You can even link your budget to one of its smart savings accounts so that any money you reclaim gets stashed there.

The app features a credit-monitoring tool that gives you a look at your credit scores, history, updates and insights. 

You can also pull back and get the full view of your finances with the app’s net worth view. From here, you can see all your income, spending, debt, bills, investments and assets.

It’ll show you how your finances are trending and give you insights on how to grow your money.

Getting the Most Money Back

Seems like a lot of work, right? That’s why Truebill does all the heavy lifting. All you have to do is sign off on these money-saving changes. 

Just register an account on the app or website to see how much you could save this year. Then just link a bank account and step back while Truebill goes to work.

Plus, your financial information is completely secure. Like big banks and other financial institutions, your information is encrypted through Plaid.