At the beginning of each year it’s New Year, new you, right? But how long does that last? Now that we’re halfway through 2019, I’ll admit, I’m behind on my goals.
Yea I made my usual lose weight, save more money, and travel more resolutions, but let’s face it, these “goals” aren’t going to come true without a solid plan.
And to save more money? Well, it’ll be easier if you have more money to begin with, right? So we’ll focus on that and lay it all out – Here’s our list of stupid simple ways to make extra cash for the rest of 2019.
1. 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!
Cash tournaments are not available in AZ, AR, CT, DE, FL, LA, ME, MD, MT, SC, SD, TN, IN but residents can still play the free games to win swag up to a car!
2. You Gotta Eat! Get Up to $240 Cash Back in Grocery Savings
If you’re following nutrition gurus or meal planners on Instagram, you know that your shopping list gets a little longer with each inspiration. I know mine does.
But I don’t feel too guilty though because my shiny things syndrome and basically everything I buy normally, give me a chance of getting cash back.
It’s simple. All you have to do is take a picture of your grocery receipt and Ibotta will pay you cash.
Here’s how it works:
Before you go to the store, search for your shopping list items in the Ibotta app. After your store 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!
Some offers we found:
- 25 cents back on any item
- $3 – $5 back on various wine
- $2 back on KIND Protein Bars
- 25 cents – $4 back on ice cream
- $2 back on Herbal Essence Haircare
Popular stores are Walmart and Target, but Ibotta also works at restaurants, online shopping sites, and at the bar! On average, active Ibotta users save up to $240 a year or more. What would you do with that extra money?
3. 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!
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 ($2!) when you enter this referral code: REWARD before you scan your first receipt.
5. School Competitors in Solitaire and Ca$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 Cube 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
6. Stop Overpaying On Bills & Letting Old Subscriptions Keep Charging Your Card
They say that 84% of people forget they have some recurring subscriptions still charging them. Yep, I’m one of them.
To fix that and to get a better picture of my overall spending, I downloaded Truebill, an app that focuses on lowering bills, monitoring subscriptions, and my favorite, monitoring internet/cable outages.
After connecting my Chase bank account (it’s safe; they use bank-level 256-bit SSL encryption with read-only access), the Truebill dashboard displayed clear information on my spending, upcoming bills, and all my recurring subscriptions.
From it, I realized I still had a very niche streaming service that I haven’t touched in about 7 months. (Thanks, free trial offer…) I immediately canceled it through Truebill and saved $70 from that sub.
Got an annoying gym membership you’ve been meaning to cancel? No problem, they’ll do it for you too.
Truebill will also negotiate for lower bills on your behalf (no more waiting on the phone!) and monitor any internet and cable outages too. If there are outages in your area, they’ll work to get credit to your account. On average, this accounts to $96 savings a year on outages alone!
Basic service is free, and when Truebill successfully finds bill savings or refunds for you, they’ll take a 40% slice from your annual savings. For instance, if they saved you $100 on a bill for the year, they’ll take $40. Reasonable
for the savings they found you!
Overall, having a financial “watchdog” of sorts will keep you on track and help you save on unnecessary spending. It takes only a few minutes for Truebill to analyze so check it out!
7. 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!
8. Kick Your Bank to the Curb & Get Your Paycheck up to 2 Days Earlier
Does your current bank allow you to get your paycheck up to 2 days earlier?
Probably not. You might also be charged on monthly maintenance fees ($10-$12 a month), out-of-network ATM fees ($2.75 per transaction), and overdraft fees ($35 per). That’s $144 a year just on maintenance fees alone, and if you add in an occasional overdraft plus ATM fees, it’ll be a lot more! Don’t get suckered in.
Skip those trips to the bank by using Chime, a mobile banking app with no hidden fees whatsoever.
No monthly fees, no minimum balance requirement, no overdraft fees, and no foreign transaction fees. FDIC-insured up to $250,000.
You can also get your paycheck via direct deposit up to 2 days earlier than the rest of your coworkers because Chime processes your employer’s check immediately.
9. Affordable Car Insurance Exists – Here’s How You Could Save $610
You’re sharing the same roads with a lot of different people. Distracted people, oblivious people, road-rage people, etc. It’s best to cover yourself with insurance when everyone is operating a giant motor vehicle.
That’s why car insurance exists and is mandatory. You might be overpaying on your current insurance premium since it can be a hassle finding another provider.
However, you can search for quotes easily on EverQuote. They help match you among dozens of regional agencies and insurance carriers to filter the best matches to save on your car insurance.
It takes less than 4 minutes to fill out the form and you’ll see a list of matches that show online quotes, email, and potential phone quotes.
EverQuote can save drivers up to $610* a year on average compared to their current insurance premiums. Once you see your list of potential matches, choose the online ones you want or wait for more information via email or phone.
It’s a pretty simple process, so try it out to see how much you could be saving on the road!
Average savings in a month: $50.83
What it could add up to in a year: $610
10. Binge on Food, Entertainment, Health & Tech News TV for Money
I can barely cook but I love watching food videos. The new season of Chef’s Table? I’m there.
If you’re a video junkie too, become an Inbox Dollars member where you can watch theirTV and Videos section
that ranges from Trending News, Entertainment, Food, Health, Tech, and even the latest World News to earn some cash. You’ll also get $5 as a sign-up bonus too!
They set it up in playlists though and they’ll tell you how long it takes as it can range from a few minutes to half an hour. Tip: You can set it to Play, open up another browser tab and let the videos run while you continue doing something else if you’re multi-tasking!
Playlists and earning potential can change, but it’s possible to earn up to $200 a month, watching videos!
11. Get a Free $25 to Invest in Women and Deal with the Gender Pay Gap
You already know that women make less than men.
20% less actually*
So while women are almost half the workforce, earn more college and graduate degrees than men, there is still a gender pay gap to this day.
Also? Women’s salaries tend to peak earlier than men and their earnings drop significantly after having a child.* Men don’t.
That’s why it’s even more important to save for retirement, especially if you’re female. With females living at least
5 years longer than men*, we have a very unique set of obstacles to overcome with our financials and to make sure we have enough money when we most need it.
That’s why Ellevest exists. It’s an investment service created by and designed for women.
Men are welcome to join as well but it’s the first company to take on the gender pay gap, different lifetime earnings, and longevity into account when constructing a portfolio.
It’s great for women that are just beginning to invest, want a more hands-off approach or those interested in goal-based investing (like Home, Retirement, Emergency Fund etc).
So while fewer women tend to invest vs men, studies show that when they do, they outperform men because they don’t overtrade, don’t panic in down markets, or pay too much in fees.*
When you start with Ellevest, you’ll choose some goals and then rank them in importance. You’ll then fill in some details on your current financial standings and then their system will analyze what you’ll need to achieve your goals. All the while, taking into account your current savings contributions, inflations, salary growth projects and other variables unique to females.
With a $0 minimum and low fees, you could be taking control of your retirement in a few minutes when you set up a customized investment plan. Review first then commit later. Your future mature you will be thanking you.
Bonus: For a limited time, The Smart Wallet readers get a $25 promo towards their first funded goal with no minimum balance!
We’re excited to be working with Ellevest to start this conversation about women and money. We will receive compensation if you become an Ellevest client.*
12. Cash In if the Internet Dies On You Again
Internet go out again? Maybe it was in the middle of your Netflix stream or Facebook status post. Regardless of when it happens, it’s annoying.
Instead of staring at the Internet icon waiting for the yellow error symbol to disappear, know that you could get compensation back with Trim, a financial AI assistant.
You can sign up for free and all you need to do is upload a PDF of your recent bill, which you can get from your online statement. The process only takes a couple minutes and Trim will get to work in grabbing any savings back for you.
It also non-judgmentally informs you of your spending via text or Facebook messages which help to keep an eye on your budget.
It’s easy to use – just link a credit card or bank account to the 256-bit SSL encrypted secure app and Trim will work hard to monitor your internet, find you savings AND negotiate down your monthly bills so you don’t have to. Their newest feature also helps you save for emergency funds, a vacation and more!
13. Grow Your Money in a High Yield Savings Account that’s 20x Higher than National Average
Over the past year, plain savings accounts have outperformed both the S&P 500 yield and the 10-year US Treasury Bond yield.*
While the average interest rate for savings accounts in the US is fairly low at 0.09%, there are high yield savings accounts that offer more than 20x higher than the national average!
Just enter your zip code below to see some of the highest yielding saving accounts in the nation right now. Since you’ve figured out how to save money, put it somewhere safe to grow!
14. Get $1 Million in Life Insurance for as Little as $8 /Month
When you hear “life insurance” the first 2 things that might come to mind are “death” and “money.” Ultimately it’s “I love you” money to your family after you’ve passed away. So for most people, life insurance is logical but the long process could be deterring. Some life insurance companies can take up to 2.5 months for the approval process to complete, including lots of paperwork and a comprehensive medical exam which may not always be necessary.
But one company is trying to change all that. Bestow’s mission is to offer affordable term life insurance in under 5 minutes without you having to talk to anyone. No exam needed either.
You can get up to $1 million in coverage and they offer 2 years, 10 years and 20 years term options.
All of Bestow’s policies are underwritten by North American Company for Life and Health Insurance, who’s been around for over 100 years and holds an A+ (Superior) rating with A.M. Best, a global credit rating agency for insurance companies.
In plain English terms, it means your policy is backed by dependable insurance giants who have been serving customers for many years.
So if you’re between the ages of 21-55, here’s what they’ll ask:
- Your basic information (Name, Email, Address, SSN etc)
- Some Life questions (medical history, hobbies, lifestyle)
- Beneficiaries (who would receive the money after insured’s death)
- Policy and payment details (If approved, you choose the monthly payment and enter credit card info)
Each policy has a “free look” period (usually 30 days) which means you can cancel if it’s not right for you and get a full refund.
And you can easily change your policy at any time based on life events like marriage, job loss, divorce etc.
Life insurance talk isn’t fun but Bestow is attempting to make it as easy as possible for people to get covered quickly. Go ahead and see what your rates are in just under 5 minutes. It’s the biggest “I love you” you can give to your loved ones.
*Bestow is currently not available in New York and Alaska
15. Get $20 Sign Up Bonus + Up to 15% Cash Back Stores = Happy Online Shopper (You)
If you don’t buy anything online, then you can skip reading this.
But if you do, you need to know about Affinityy, an online shopping portal, that gives you up to 15% cash back on purchases at thousands of major brands.
You’re basically getting free money since you’re earning cash back to buy things you were already going to buy. Offers include cash back at Target, Macy’s, Kohl’s, Best Buy, Walmart, and much more!
Here’s how it works:
- Sign up for free with just your name and email
- Earn $3 when you download the app and another $3 when you install the browser extension
- Get a $20 bonus after your first purchase (limited-time offer!
- Earn $5, $10, and $20 cash bonuses when you shop frequently
As you accrue cash back from purchases, you’ll be able to cash out via PayPal or check.
Affinityy also has one of the best referral programs we’ve seen on their user-friendly site. For every friend you refer, you can earn up to $10!
16. Just Save Your Emails to Get Money Back
If you never delete emails like me (unless it’s spam) and shop online, then you’ll always have a chance at getting some money back.
A free tool called Paribus gets you money back on select online purchases even after you’ve bought them.
Price changes happen all the time after checkout. And now you can get a refund of the price difference back at online stores that Paribus monitors! (For example, Target, Kohl’s, GAP, Best Buy, Walmart and more.)
They do this by checking your inbox for email receipts. (Don’t worry, they don’t open any other email and their tech logic only identifies emails that are receipts.) Once they’ve found a receipt that has at least a $3 price drop, they’ll alert you then contact the retailer on your behalf to get the money or tell you how to get the refund back.
Also? If your guaranteed shipment is late from Amazon Prime or Walmart, they’ll help you get compensated! Perfect for the upcoming holiday season when gifts in hand are important.
Your savings mileage will vary but Paribus is 100% free to use and all the savings are yours to keep. Your pair of shoes dropped $7? You get $7 back.
17. 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.
Here’s how it works:
- 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!
18.Drive Food Around Instead of People in This Flexible Gig
You’re at work or home, and there’s nothing to eat or you can’t leave your desk. Solution? Just Uber some food.
Since it’s so convenient, food delivery has been in high demand. You used to only be able to order pizza or Chinese takeout, but now there is a never-ending list of global cuisines that can be delivered right to your door.
With high delivery demands, there is also a demand for delivery drivers. If you’ve been thinking of starting a side gig, this is the perfect opportunity.
Uber Eats allows you to deliver food on your own schedule and get paid immediately for your deliveries. You can get same day payouts up to 5 times a day with direct deposit to a debit card with *Instant Pay (terms apply), so if you find yourself strapped for cash, make some deliveries and immediately see your pay in your bank account.
To start, sign up, and upload your documents and a photo ID.
To be a delivery partner with Uber Eats, you have to meet the minimum age to drive in your city and have a valid driver’s license, registration, and vehicle insurance, among other requirements. Common stuff.
Most drivers use their car to deliver food but you can also use scooters and bikes in some cities!
If you don’t mind smelling delicious food all the time and getting paid to deliver on your own schedule, sign up with Uber Eats for a side gig that cashes out on the same day.
*Delivery with Uber Eats varies by city. In many markets, proof of residency is required.
19. Power Up IRL During Work and Invest in the Video Game Industry for Just $5
Gamers know that video games aren’t just for kids. And if you enjoy games in your downtime, why not invest in it too?
The Entertainment Software Association (ESA) reported that 65% of American households have a member that plays video games regularly. Gamers age 18 and older represent 72% of the video gaming population with the average age being 35.
And even 67% of parents play video games with their kids at least once a week!
The gaming industry could be worth as much as $230 billion in the next 5 years.* Now that’s some major loot.
So if you want to invest your hard earned money in things you’re excited about, like supporting the video game entertainment industry, you can do it with $5.
Stash makes it happen. It’s a micro-investing app that lets you invest for as little as $5 and it takes less than 2 minutes to get started. We’ll even give you $5 to get started.
They curate from over 150 investments which include stocks and Exchange Traded Funds and you’ll get to choose an investment blend that meets your goals and interests.
Take the $5 that we’re giving you and start investing with Stash.*
20. 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 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!
21. Set & Forget Savings + Get a 1% Bonus Every Quarter (Up to $1,800 / Year)
Prepare for those “oh $#@!” moments by letting this smart AI beef up your emergency savings for you. Or your vacation savings. Or your new pair of kicks savings.
You won’t even notice it but Digit will make it happen.
Just link a checking account and their smart algorithm will determine small but safe amounts to withdraw into your separate FDIC-Insured Digit savings account.
Regular savers will get a 1% bonus every three months, netting you some free money!
It’s the perfect set-it-and-forget-it app where the AI will watch your savings back.
You can withdraw your money at any time you need and it’s free to use for the first 30 days. After, it’s just $2.99 a month.
Average savings in a month (varies): $144 or more
What it could add up to in a year: $1,728 or more
Quarterly bonus: 1% on your total savings amount
Additional Referral Earnings: $5 per referral
22. Scan the Stuff You Buy & Get Paid
The exclusive National Consumer Panel program is opening up again for more participants! Eligibility will be based on your
When you become a panelist, just use the app to scan the barcodes of items you purchase and you’ll earn points for:
- Visa Gift Cards
- Keurig Coffee Machines
- Flat Screen TVs
- and much more from their gift catalog!
The more you share your shopping habits (scan barcodes), the more rewards you can get. You can also enter items that do not have a barcode, like fruit and vegetables etc.
“It’s really easy. I think of it like a game, and I look forward to scanning my items each time. I’ve already gotten a $25 gift card after 2 months!” – Gabby F.
There are also monthly drawings where 20 members each win $250!
It’s a fun way to earn more on rewards on items you’ve already purchased.
Sign up to see if you’re eligible to be a National Consumer Panelist. If you don’t get accepted this time, don’t worry! They’re always expanding locations, so check back again.
23. Don’t Get Gouged at 29% APR on Your Credit Card. You Could Get a Low 4.99% APR Instead
If you don’t want to go into your next decade of life with debt looming over you, consider a debt consolidation. In the long run, you’ll save money from not having to continuously pay high-interest.
Debt consolidation just means you’re borrowing money at a low-interest rate and using that money to pay off the outstanding balances from your high-interest credit cards.
If it sounds foreign to you, don’t stress. You can keep your research simple and annoyance-free with Fiona, which is basically a marketplace of consolidation and refinancing options.
It’s free to use and takes only three easy steps to sign up.
Fiona will search all the top online lenders to get you the best personal loan anywhere between $1,000 and $100,0000. And loan lengths can last 24-48 months depending on the lender.
Not only will they help with debt consolidation, but they can also help with any big moment in your life that you may need a personal loan for like Home Improvement, Wedding, Medical bills and more.
*80% world’s energy statistic source: EDF (Environmental Defense Fund)
*Source of 1 in 4 people statistic: LearnVest
*Paribus compensates us when you sign up for Paribus using the links we provided.
*Up to 4% APY based on friend referrals (0.25% bonus per referral)
*Entrepreneur Magazine: “Starting a Business? Here Are the Most and Least Profitable Industries.”
*EverQuote’s individual savings, if any, and premiums will vary by customer. Savings amount based on countrywide survey of users from Nov 2018 to Apr 2019 who reported old and new premiums.
*OppLoans APR ranges from 59%-199% depending on your state of residence (Rates and Terms here). Credit reporting not available for Texas residents.