We know what it’s like to feel strapped for cash. But we also know that making more money takes a lot of effort.
Or does it?
We did some digging and found some legitimate ways to fatten your wallet without lifting a finger. (Well, except maybe to type a little.)
Some of these tricks will help you make extra dough right now: others will help you earn more from the savings you already have.
All of these options are on the up and up. Real companies. Real services. No sketchy scams here.
Not all these ideas will work for everyone, but read them all, because there’s bound to be something that will work for you; especially the bonus at the end.
1. Destroy your high-interest debt
Consumer debt is rising. The average American household has over $9,000 in credit card debt alone.
Maybe there’s a simple solution.
National Debt Relief is a debt settlement company that negotiates with your creditors on your behalf.
If you have $7,500 or more in credit card debt, personal loans, medical bills or other debts you’re having trouble paying, their debt coaches may be able to consolidate your debt into one lower monthly payment almost immediately.
National Debt Relief has an A+ rating with the Better Business Bureau. They do charge a fee, but only after your debts are settled. Users report being debt free in just 24 to 48 months. See if you qualify here.
2. Save 10%-30% on everything you buy
Let’s face it, shopping online is more convenient than going to a store. Plus, you’re more likely to find a deal, promotion, or coupon code and quickly cross-reference prices at several different retailers to save money.
Want to make that process even easier? Try Capital One Shopping. This handy dandy tool alerts you when a deal on an item you’re buying is available. Talk about effortless. All you have to do is add it as a browser extension, and it’ll search the internet for coupon codes to apply during checkout.
That’s not all. It also compares prices across the internet and will notify you when the item you’re purchasing is cheaper elsewhere. It’s free, and you don’t need to be a Capital One customer to use it. It’s just a friendly tool trying to save you money online.
3. Stop paying hundreds in interest
A 0% interest rate credit card is a great way to stop the interest clock from ticking, often for a year or more, while you focus on paying down your balances.
There are lots of 0% interest credit cards available, so compare the features and benefits of each to find the best fit for you.
Factors to consider include the length of the 0% period, the regular APR after the intro period ends, the balance transfer fee and the annual fee.
This is not a free pass to spend beyond your means. You still need to make at least the minimum payment every month and if possible, to pay off your balance before the intro period expires. And you’ll likely need a good credit score to qualify.
Still, 0% credit cards are powerful tools you can harness to crush high rates and radically reduce your balances. Just use them responsibly and plan ahead for when the intro period ends.
4. Make an easy $200
That’s right, you can get paid for playing games on your phone! Not only that, you can earn cash or rewards by scanning grocery receipts, taking surveys, watching videos, and surfing the web.
You might pocket as much as $200 a month with InboxDollars. Make side cash while stuck in line or hanging on the couch scrolling your phone. It won’t solve all your financial problems, but you can get paid for being on your phone, which you’ll probably do anyway.
InboxDollars has been in business since 2000 and has paid out over $80 million in cash rewards to members. To sign up, enter and confirm your email. You’ll even receive a $5 sign-on bonus to boost your earnings out of the gate. Then you get to participate in whichever options strike your fancy.
You need a minimum of $15 to cash out. Then, redeem your rewards for gift cards at places like Amazon, Target, and Starbucks or transfer them into PayPal cash.
Yes, it’s really that easy.
5. Make money while you nap
It used to be that investing in commercial real estate, like apartment or office buildings, required lots of money and lots of expertise.
Not anymore, thanks to an online investing platform called Fundrise. Now people with modest amounts of money (i.e, $10) can own a slice of a real estate portfolio.
Fundrise tears down the traditional barriers needed to invest in real estate, and so far more than 1.7 million consumers have used Fundrise to invest in commercial property.
It takes as little as $10 to get started, the platform is easy to use, it’s open to everyone, regardless of experience levels, and you can even invest within an IRA.
Fundrise has delivered an average annual rate return of 5.29% over the past five years, a stark contrast to the average, annual 0.23% interest your money gets by sitting in a savings account.
Of course, nothing is guaranteed, and past performance is no indication of future results. Still, Fundrise has the potential to make more than you’re making now in the bank — or under the mattress. And you can get your feet wet for as little as $10!
Note: This is a testimonial in partnership with Fundrise. We earn a commission from partner links on moneytalksnews.com. All opinions are our own.
6. Feeling rested? Make more money
Imagine having your next coffee, case of beer, or gas fill-up paid for. Well, it’s possible when you use KashKick.com. It’s a browser-based rewards website that will pay you for completing specific tasks like trying a new app or game, taking surveys, or watching videos.
KashKick doesn’t have any gotchas or hidden fees. What you see is what you get. Surveys range from 15 cents to $2 each, so your earnings add up quickly. You must have a minimum of $10 before cashing out to your PayPal account. The payout time is usually three business days or less.
To sweeten the pot, you’ll receive 25% of your friends’ earnings when they join using your referral link. It’s only available to American citizens or permanent residents. So, try it in your downtime and let the drinks pay for themselves.
7. Hedge your bets
During the last recession, many hard-working Americans lost a lot — including their retirement savings. Now some economists are predicting the next recession is just around the bend, so now’s the time to prepare.
How? Use American Hartford Gold to diversify with an asset like gold or silver, either delivered to your door or in your IRA.
According to some experts, there may be less than 20 years’ worth of mineable gold remaining in the ground. They ain’t making any more of it.
American Hartford Gold has a five-star rating with Trustpilot and an A+ rating with the Better Business Bureau. If market volatility’s got you down, or if you just want to invest in an essential (and tangible) commodity, give American Hartford a try.
Note: American Hartford is available only for those with at least $50,000 to invest. Too much? Another quality company, Lear Capital has minimums as low as $15,000.
See why thousands of Americans are turning to gold and gold IRAs to protect their wealth.
8. AARP: not just for older people
The less you pay, the more you can do. You can save hundreds every year simply by joining AARP.
Members get discounts on hundreds of things, like:
- Up to $200 per person off flights
- Up to 30% off rental cars
- Up to 15% off restaurants
- Up to 20% off hotels
You’ll also save on eyeglasses, prescriptions, meal deliveries and lots more. And that’s not all. AARP offers a Fraud Watch Network, job listings, retirement planning tools, games and tons of information, programs and resources.
Anyone trying to save more and spend less can’t afford not to join AARP, especially since the cost is as low as $12 per year with auto-renewal. You’ll likely recoup the cost in the first week.
They even give you a free gift to sign up!
9. Save $600 on your car insurance
If you’re like most Americans, you’re probably paying too much for car insurance. Shopping around for a better deal is the only solution, but that’s a hassle.
Or is it?
Take a few seconds and check out Provide Insurance, the largest online marketplace for insurance in the U.S.
Provide Insurance lets you compare quotes from more than 175 different carriers in the blink of an eye. Just answer a few questions about yourself and your driving history. Then Provide will show you the best options for your needs and budget.
You could save up to $610 a year on car insurance by using the Provide marketplace. That’s money you could use for other things, like investing, saving, paying off debt or just having fun.
If nothing else, you’ll at least know if you’re getting a decent price on your current coverage. Nothing to lose, maybe hundreds to gain.
Bonus: Get an extra $941 in 5 minutes a day
What you need is simple, actionable advice that will make you richer, without boring you to death in the process.
The Money Talks Newsletter is totally free and gives you tips to spend less, make more and avoid rip-offs: Tips and tricks that will make you richer. And it doesn’t cost a dime.
Our readers report saving an average of $941 with our simple, direct advice.
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Try it. You’ll be glad you did!