“But the thing is…your opinions don’t pay my bills.” – #bossbabe™ financial health into high gear.
In the continuous era of “boys will be boys” let’s change the definition of “it’s a girl thing” to one that we can be proud of and more substantial.
We don’t need to wait for someone to save us. Even financially.
So we rounded up all the ways that your boss babes can start earning extra cash on the side. Start investing in yourself now.
1. Boss Babes Don’t Miss a Beat. Get Paid Almost Forever When You Leave this App On.
Boss babes are connected all. The. Time. You don’t miss a beat at all.
Email, messages, tasks, you name it.
Since you already have your phone on 24/7, let’s make it work even harder for you.
Panel App is a loyalty incentive app that will give you points just by leaving the app running in the background.
Because it gives you points on location, go ahead and enable location services. Then just turn the app on before you go about your day and head to work, gym, kick some ass, wherever.
After using it extensively, we think it’s a great passive app that rewards you for doing almost nothing. Basically:
- You don’t have to complete offers
- You don’t have to watch ads
- You don’t have to buy anything
- You don’t have to do anything but leave the app running
I snagged a $5 Amazon gift card via email after a few weeks of just leaving the app on and forgetting about it. You can also choose VISA gift cards, MasterCard gift cards or sweepstakes entries.
Overall, a solid choice for earning a bit of spending money for literally just leaving the app running on your phone! And boss babes know, small actions can add up to a big impact.
2. Snap a Pic of Your Grocery Receipt. Get Cash Back.
This year is the year that you’re going to cook at home more. You’re pumped to eat healthier and save more money on food. You can do it!
And with more trips to the grocery store, make sure you’re not missing out on free money.
It’s simple. All you have to do is take a picture of your grocery receipt and Ibotta will pay you cash.
So before you go to the store, search for your items in the Ibotta app. After your visit, take a photo of your receipt to get cash back.
Ibotta is free to download and you’ll also get up to $20 in Welcome Bonuses when you sign up!
On average, active Ibotta users get back up $240 a year. What would you do with that extra money?
3. Blackjack for $ – Not Just Against the Dealer Anymore
Make as many 21s as you can within that time or until you run out of moves.
That’s the basic gist of 21 Blitz, a modern take on Blackjack where you’re no longer just playing against the dealer but with actual people around the world.
It’s fast-paced and it basically does all of the math for you. This game is great for killing time and earning cash all at once.
You can play for free against real people for prizes or switch over to cash games to win…well, cash! Cash game winners can win up to $7,000 or more in the mini-tournament.
Stanley from The Smart Wallet deposited $25 into 21 Blitz and won $120 for his matches!
Not available in AZ, AR, CT, DE, FL, LA, ME, MD, MT, SC, SD, TN, IN
4. Free Gift Cards Just for Going Shopping? Yes, please.
Go on your normal grocery shopping trips. Scan your receipt after. Get points towards gift cards.No extra fuss. No digital coupons to pre-select or specific stores to go to.
It’s perfect for the lazy but smart saver.
And it’s called Fetch Rewards, an app where you can scan ANY grocery receipt to get rewards, aka cash.
Scan receipts from supermarkets, neighborhood corner shops, wholesale clubs, drugstores, convenience stores, and even liquor stores. Unlike other apps, you’re not restricted to specific stores. As long as your receipt has any of the thousands of participating products, you’ll earn points to redeem for gift cards.
You can start redeeming points for rewards with as little as 3,000 points ($3). Grab a 2,000 points bonus ($2!) when you enter this referral code: REWARD before you scan your first receipt.
5. The App That Helps (Broke) Millennials Invest Easily
Investing sounds complicated but it doesn’t have to be.
And you don’t have to be rich either to play the investment game.
That’s why Acorns is a popular choice amongst millennials and anyone new to investing since they make it so easy.
For every purchase you make, Acorns automatically rounds it up to the nearest dollar and then saves & invests the difference into your Acorns account.
So, for instance, if you bought lunch for $10.50, Acorns will round it up and deposit $0.50 to the app’s savings account. Pretty simple, right? It can do this for every purchase.
Just connect Acorns to your credit/debit card and it’ll save automatically or you can manually choose which transactions to round up if you prefer.
Since roundups are less than $1 and basically spare change, you’ll barely notice the impact initially but over time it’ll grow to make a big difference. Acorns will continue to round up and save for you, while at the same time, investing those savings so that your portfolio can grow.
The very minor catch? It only costs $1 a month for accounts that have under $5,000. It’s way cheaper than an investment advisor.
6. Cashing Out on The Everyday Things You Do Online
How much time do you think you spend online? Most likely more than you think.
The average American spends 24 hours online a week(*), but for me, I know I definitely surpass this since I have to be online for work. Along with post-office hours shopping, browsing, reading, it’s rare that I’m not online.
If it’s the same for you, capitalize on all that online time by earning points you can redeem towards gift cards, and even better, cash.
You can do it with Swagbucks, a free rewards program for the everyday things you do online.
Earn points by:
- Watching entertaining videos
- Shopping at your favorite retailers
- Searching the web
- Participating in surveys
- Playing fun trivia games
Then you can redeem for a large variety of gift cards (Amazon, Target, Walmart, Starbucks are popular) or my favorite, Paypal Cash and Visa Gift Cards. Cash out in as little as $3!
You’ll even get a $5 bonus when you earn 2,500 SB points within your first 30 days.
The best way to earn SB? Surveys. You can get up to 300 SB for each qualified one you participate in. While you obviously won’t get rich doing this, you can nab an extra $10-$20 a month on them.
Keeping your profile updated and doing the Daily To-Do List will also earn you extra SB. There are a lot of opportunities so you can cash out early and often!
7. Medical Emergencies Happen – Here’s How To Afford the Unexpected
True story: My cousin was on a cruise to Canada, and while coming down the stairs, she missed a step and tumbled down. She later found out that she broke several bones in her left foot, and was unable to go to work for 3 weeks because of a massive cast.
Unfortunately, accidents like this can happen and it could be disastrous to your wallet and potentially your career.
Sure, you can always prepare by having a savings account devoted to “what if” moments, but if you find yourself in a tight spot, there are options that can help, like Opploans.
Even if you have a poor credit score you could still get a personal loan for short-term financial needs such as 6 to 24 months. Definitely useful for unexpected situations.
Submitting an application doesn’t affect your FICO credit score, so check if there’s a short-term personal loan that you may need for a medical emergency, major purchases, life events and more.
Here’s who can qualify:
- Residents of AL, AR, AZ, CA, DC, DE, FL, GA, HI, ID, IL, IN, KY, KS, LA, ME, MI, MN, MS, MO, MT, ND, NE, NV, NM, OH, OK, OR, RI, SD, TN, TX, UT, SC, WA, WI, WY, VA
- Have a minimum monthly income of $1,500 for the states listed above except AL is $3,500, and GA & ID is $3,000
- Employed at your current job for at least 3 months
- 18+ years old (19 if from AL or NE) and cannot be an active duty service member
- A traditional bank account in your name that’s been open for at least 90 days
- You get your paychecks via direct deposit
Qualified borrowers will be able to borrow up to $4,000 depending on their state and eligibility. And when monthly payments are made back on the loan, Opploans will notify the 3 credit bureaus to build up your payment history and in turn, build your credit history!
8. Buy Stuff Normally = Get Gift Cards You Actually Want
If you have room for 1 more app on your phone, then it needs to be this.
Actually, delete another app to make room for this one. It’s that good.
It’s called Drop, a free app that gives you gift cards on stuff you already buy from your favorite stores and brands.
Your everyday purchases from Amazon, Target, Trader Joe’s, and Walmart? You’ll get points for that. Points translate to gift cards so the more you collect, the more you can redeem!
You’ll get access to many other offers that you can activate ranging from Entertainment, Personal Care, Grocery, Apparel and more.
The only thing you need to do is link any credit or debit card you usually use for buying stuff and that’s it! Drop will automatically recognize when you buy from your activated offers to reward.
There’s literally no downside to using this free app to get more gift cards. Use it on top of your loyalty points and credit card points for even more rewards!
LIMITED TIME OFFER: Use promo code SMARTWALLET to unlock 5,000 points ($5) automatically when you link your first card on Drop!
9. Hang Up the Phone – This Site Will Haggle Down Bills For You
Go ahead and hang up the phone. Escape the hours of on hold music.
If you hate dealing with service provider representatives, then let BillBargain handle it all for you. Their team of experts knows all the tricks to get the best price available on your bill negotiation.
Just upload a current bill from your cable, internet, or phone provider after connecting a bank and BillBargain will get to work on your behalf to negotiate them down (and will keep doing it regularly).
Most of the time they’ll help you get on a promo plan, find hidden discounts, or cut back on fees you might not have noticed. On average they save their customers 25% on their current service plans!
If successful, they’ll take 40% of the annual savings. So for instance, if you save $100, they’ll take $40 leaving you $60 richer. If there are no savings, there’s no charge. Upload a bill and see how much you could save!
10. Up To 40% Cash Back Automatically? Sign Us Up!
Saving money and getting cash back on purchases always sounds like a great idea – until you completely forget to take the steps to get the savings. There are SO many ways to save money while shopping, who can remember if it’s not automatic?
Ebates can help you get cash back on everyday shopping as well as apparel, beauty, and more, automatically. With Ebates, you don’t even have to upload your receipts after your purchases. They’ll send you simple push notifications when your favorite stores increase their cash back deals or have a good sale.
Offering simple one-tap savings with no points or fees helps ensure that you get the most out of your purchases. So, before buying anything, hop into the app to see if you can get up to 40% cash back at over 2,500 stores.
They also have an amazing referral program where you can earn $25 for each eligible friend. New members get a $10 bonus too!
11. Spending Way Too Much Money on Beauty Products? This Could Help
Crazy fact: The average American woman will spend up to $300,000 in her lifetime on justproducts for the face.*
That’s right… $300,000. That’s basically a house in some states!
I’ve been guilty several times of overspending on beauty products. Constant sales, gorgeous packaging, and limited editions can all be my weaknesses.
However, I end up with a lot of barely-used products because I can’t use them fast enough before I fork over more money on the next best thing. Who’s with me?
We’re not saying to drop your beauty routine (No, never). But there is a way to try out different products, even high-end ones, at a more affordable price point each month.
It’s called ipsy, a monthly subscription service including 5 beauty items in a stylish, makeup bag, delivered directly to your door for just $10 per month and free shipping.
It’s $10 a month but the average value (or worth) of each bag can be over $45.
Products come from both reputable brands and hot-and-upcoming brands like MAC, Smashbox, Kiehl’s, IT Cosmetics, Too Faced, Colourpop, and a ton more.
Not everyone gets the same products because it’s customized to you. Before committing, you can take a fun 2-minute beauty quiz to really personalize your monthly bags and ask questions about what you want, whether it’s more makeup brushes, leave-in hair conditioner, or lip gloss!
ipsy could possibly be the best beauty subscription ever.
TIP: It’s really popular so there’s a possibility to get waitlisted. If you share to your Facebook when prompted, you’ll be taken to the front of the list with no wait!
12. School Competitors in Solitaire and Ca$h In
Solitaire Cube is like regular Solitaire, except you get to play for real cash!
Is there a catch? Yes but not really. I tried playing for free when I first started but I realized it would take me forever to get the tickets I need to play for real cash. I gave up and deposited $25 last week and I’ve already won $120.
The game matches you with players of the same skill level, so you have a solid chance of winning. If you’re a good Solitaire player, you could win some serious cash, like Katie Nguyen who took home $380,984 last year as one of the Top 10 Solitaire Cube
So if you think you can handle playing some Solitaire to win some legit cash, definitely download this game for free.
Not available in AZ, AR, CT, DE, FL, LA, ME, MD, MT, SC, SD, TN, IN
13. Bet on Yourself In This Fitness Game and Win Cash!
Everyone loves some good incentives, and it’s an awesome way to motivate yourself to complete a goal that you may otherwise get lazy on.
And it’s proven: 62% of people are more likely to lose weight* with an incentive (aka cash).
StepBet definitely gets this, so they created a fitness game where members can compete against themselves in order to achieve a fitness goal. In this case, a step goal.
- Join a Game and bet on yourself ($40 minimum)
- Keep moving and complete a 6-week fitness challenge
- Winners cash out and split the pot
StepBet has three ways to track your steps: Fitbit, Garmin, or Apple Health. Whether you have a Fitbit and track your steps daily, or just a cell phone – you can enter the game easily.
Everyone also bets the same amount of money, which accumulates into a pretty large pot.
Your goals are created based upon a 7 day week. 4 of those days are “active days,” 2 are “power days” and then 1 day of rest. If you hit your goals consistently, you’ll receive an equal share of the “pot” of money with everyone else who also hit their goals. If you don’t hit your goals, you lose out and someone else gets your share, so it’s a great incentive to stay on track.
It’s a simple and amazing way to motivate yourself to be more active while also earning extra cash. So if you’re looking to get more in shape and earn some extra cash, start with StepBet and incentivize yourself!
BONUS: Get Paid To Share Your Opinion Anytime
Your opinion is valuable. So valuable you deserve to earn extra cash for sharing it.
You can do it with Survey Junkie. They pay cash to members who participate in surveys about their shopping habits, cell phone usage, and more. Basic stuff.
Completing a survey earns you 20 to 100 points. Each point is worth one cent, and when you hit 1,000 points (or $10) you can cash out.
- Online gift cards
- Paypal cash
- Bank transfer
Signing up for Survey Junkie only takes a few minutes and you’ll earn your first 100 ($1 value!) points just by creating an account, filling out an intro questionnaire, and verifying your email address. Easy.
After that, you’re free to dive into surveys. They have surveys with various durations (5 to 20 minutes) to complete and new ones pop up constantly so you’ll never be bored! Fill one out when you’re waiting for someone or have time to kill.
Survey Junkie won’t get you rich quick (no survey sites ever do), but it’s an easy way to make some extra cash by doing nothing other than giving your opinions.
*OppLoans APR ranges from 59%-199% depending on your state of residence (Rates and Terms here). Credit reporting not available for Texas residents.