Category Archives: Work at Home

Folks are on the lookout for creative ways to boost their income, and driving for Grubhub pops up as a flexible option.

It’s not just about getting behind the wheel; it’s about how much money you can get paid to deliver food to a customer.

But how much do Grubhub drivers make? Is it the right app for you to start a profitable side hustle? 

If you’re eyeing Grubhub and wondering if it’s worth the gas, or if you’re curious about what drivers earn, you’re in the right place.

Key Takeaways

Your Grubhub earnings come from a mix: base pay for the delivery itself, bonuses for those extra efforts, and tips from happy customers in your local market.
The Grubhub Recognition Program rewards drivers with three levels: Partner, Pro, and Premier. Each level has its own perks based on how well you meet goals like acceptance and attendance rates.
Whether you prefer the steadiness of a weekly direct deposit or the immediacy of Instant Cash Out, Grubhub will fit your financial flow.
Check out other food delivery apps like DoorDash and Postmates to multi-app and make extra income!

How Much Do Grubhub Drivers Make?

ZipRecruiter says that Grubhub drivers might earn between $19 an hour before you factor in your expenses.

Grubhub drivers’ pay will vary depending on four things:

Delivery Driver Pay – Your base pay covers stuff like how far you’re driving, what kind of delivery it is, how long it takes you to deliver, and what the market where you’re working.
Grubhub Contribution – Sometimes, Grubhub will throw in a little extra to make sure drivers are getting a fair deal for your time, especially during slower periods.
Tips – Customers can show their appreciation for your speedy and friendly service with a tip; 100% of those tips go straight to you, the driver.
Missions & Special Offers – Think of these as little bonuses or challenges. Maybe it’s extra cash for hitting a number of deliveries or working at super busy times.
Taxes – You’re considered self-employed, so you’ll need to keep track of your earnings and expenses. You may potentially pay quarterly estimated taxes.
Tax Deductions – You could deduct car expenses, phone bills, and more.

Make sure you open a bank account if you haven’t already to get direct deposit set up so your pay comes in fast and easy.

Being A Grubhub Driver

Driver Requirements

The Grubhub driver requirements are pretty simple. You must be 18 or over 21 if you’re in Las Vegas.

A valid driver’s license is key if you’re driving a car- if you’re 18, you need at least one year with your license.

Bike delivery? Just a state ID will do.

You must have a smartphone for the food delivery app, and a background check to check driver history is part of the deal.

Applying is simple. Visit Grubhub, enter your info, upload any documents, and wait for approval!

Car Requirements

Almost any car will do for Grubhub deliveries. The make, model, or year of your vehicle is not strictly regulated as long as it’s reliable for delivering orders.

However, Grubhub requires all drivers to maintain up-to-date auto insurance and follow the laws of the state where they deliver.

Scheduling

Grubhub operates on scheduled blocks, known as delivery blocks. By scheduling delivery blocks ahead of time, you’re essentially reserving your spot to deliver during those hours.

Grubhub might just select you for its Grubhub Recognition Program, which can lead to new blocks and even more orders.

You’ll need:

A good attendance rate
A low block drop rate
To deliver orders with a smile
To make sure everything’s hot and fresh

Tips To Earn More Money Delivering Food

Peak Hours

To earn more as a Grubhub driver, adding peak hours to your scheduled block is essential.

Peak hours are typically during lunch (12 PM to 2 PM) and dinner rushes (5 PM to 9 PM), when the demand for food delivery is highest.

Also, consider those late-night cravings- that’s when some orders start flooding in, offering you a golden opportunity to cash in on hungry revelers.

While Mondays and Tuesdays might feel a bit like slow-motion for delivery partners, the weekends are usually busy, especially Friday and Saturday nights.

Know The Local Hubs

Knowing the local hotspots is another winning strategy to make more money delivering food.

Positioning yourself close to busy restaurants or popular food joints can mean fast order assignments and more deliveries coming your way.

Think about setting up shop near university campuses, where hungry students frequently rely on food delivery services.

It’s a prime spot to snag orders and cash in on the demand for drivers in those bustling areas and can seriously increase earnings.

Better Map Apps

More efficient routes mean you can squeeze in more orders and earn some extra money. Plus, you’ll reduce your mileage and estimated time for delivery, which is a win.

With these apps, delivery partners can handle multiple stops like a pro and cut down on time spent delivering food.

You can choose from a variety of handy apps, such as Route4Me, Circuit Route Planner, MyWay Route Planner, Upper Route Planner, and RoadWarrior.

Drive With More Than One App!

Multi-apping allows you to level up your game as a delivery driver. You’ll juggle orders from different food delivery platforms at the same time.

Start by adding one additional app at a time, getting the hang of managing multiple orders and platforms without breaking a sweat.

Other Food Delivery Jobs

Grubhub delivery partners aren’t limited to just their app- you can sign up with others to get more orders.

Here are some of my favorite food delivery apps in addition to Grubhub:

DoorDash

Being a DoorDash Dasher is pretty sweet. You’ll earn cash per delivery and score sweet tips from happy customers.

But the best part? You’re the boss of your schedule and can fit your hours in or around your Grubhub schedule.

Want to learn more? Check out my DoorDash Driver Review!

Postmates

Postmates works the same as Grubhub- use the app to set up your schedule, accept order requests, and deliver the goods.

But you can also get paid for delivering groceries and other household items, extending your pickup potential even further and generating extra orders!

Read my Postmates vs. DoorDash Review to see what their driver requirements are and why DoorDash might be the winner.

Uber Eats

Uber Eats is another hot spot for delivering food, and drivers are raking in some serious dough.

And just like with other delivery platforms, Uber Eats drivers get to call the shots. You can log in to the app and start delivering whenever you like; there are no rigid schedules to tie you down.

Here’s my Uber Eats Review to check out more info on signing up.

Instacart

Instacart is the go-to platform for grocery delivery that’s making shopping a breeze for folks all around.

Oh, and there are two ways to roll with Instacart:

Full-service shoppers who work as independent contractors, doing the shopping and delivering groceries.
In-store shoppers are part-time employees who focus solely on filling up those carts and checking out the groceries before they’re delivered.

Check out my Instacart Shopper Review to see if this is the right side hustle for you.

FAQs

How does Grubhub calculate pay for drivers?

Grubhub’s method of determining driver pay is pretty straightforward:

Delivery driver pay + Grubhub contribution + Tips + Missions & special offers = Total Pay

Now, when it comes to getting paid, Grubhub has got you covered with a couple of options.

You can choose weekly direct deposit or use the Instant Cash Out feature can pay you daily (with a small fee).

Could I make $1000 per week driving with Grubhub?

Making $1,000 a week with Grubhub may be possible, but it depends on your local market.

As an independent contractor, you have the flexibility to make a plan about when you’re out there delivering because you will basically need to work 10 to 13 hours a day.

If you’re in a bustling city with tons of hungry folks ordering around the clock, reaching that goal might be a breeze.

But if you’re in a quieter suburb, you might need to get a bit creative with your schedule to snag those prime delivery times.

Does Grubhub pay more than DoorDash?

Pay really can vary based on factors like your location, the time you choose to work, and even the specific orders you accept.

According to ZipRecruiter, driver earnings on Grubhub average between $19 per hour, while Indeed has DoorDash sitting at an average of about $17 per hour.

How does working with Grubhub differ from working with Postmates?

When you’re deciding between Grubhub and Postmates (which is now part of Uber Eats), consider what you’re going for with your delivery gigs.

Grubhub is all about food deliveries from various restaurants. So, if you’re into picking up pizzas, sushi, and maybe the occasional smoothie, Grubhub could be your jam.

Postmates is pretty much a jack-of-all-trades delivery service. In addition to delivering dinner, you could drop off groceries, a bottle of wine, or even some office supplies.

Final Thoughts

So, to sum up, if you sign up with Grubhub today, you could potentially earn $19 an hour with this side hustle.

Your Grubhub driver pay will vary based on things like where you’re delivering, how many runs you’re making, and those ever-welcome tips.

And hey, the flexibility to choose when you work as a Grubhub driver and working peak hours can really increase your pay.

But here’s a little insider tip: don’t put all your eggs in one basket as a Grubhub driver. Check out other food delivery gigs, such as DoorDash and Postmates.

Mixing it up could make your delivery hustle even more profitable, and ultimately, we all want to earn more cash!

Are you tired of wasting hours on your iPhone playing games without getting anything back?

What if I told you that you can turn your love for gaming into a side hustle that pays real money?

Yes, you read that right! And no, this is not some get-rich-quick scheme or scam.

There are iPhone games out there that actually pay real money to play them. These games are legit and have helped many people make extra cash.

So grab your phone and get ready to discover the best games that pay real money on iPhones!

Key Takeaways

Best App Overal – Swagbucks
Quick Payouts – KashKick 
Wide Game Options – InboxDollars  

iPhone Games That Pay Real Money

1. Swagbucks

Swagbucks isn’t your run-of-the-mill online platform- you can look for offers and see what it’ll pay you to play your favorite games.

You know those moments when you’re casually scrolling through your phone, playing arcade games, or answering trivia questions?

Some games offer high cash prizes in regular games or cash tournaments. Take “Animals & Coins,” for example- there’s up to 22,000 SBs ($220) up for grabs.

If solitaire is more your speed, “Solitaire Smash” offers a chance to claim up to 50,000 SBs ($500). Are you feeling adventurous?

Earn SBs and cash out via PayPal for quick spending money, or get gift cards to your favorite spots, such as Amazon or Target.

Read more about why Swagbucks is my top pick for games and surveys in my in-depth Swagbucks Review.

2. KashKick

KashKick is a cool site that pays you for small tasks, such as playing online games, taking surveys, and watching videos.

KashKick works with game developers to get your rewards for playing their games- meaning you get cold, hard cash just for having fun!

Then download the app from the App Store, and you can start making real money by playing cash games like Family Island ($270 max payout) and Solitaire Grand Harvest ($200 max payout).

Once your account reaches $5, you can cash out with PayPal- it’s super simple! Read more about how much you can win in my full KashKick Review.

3. InboxDollars

Ready to level up your gaming experience with InboxDollars? InboxDollars is one of the best places to play games online and win real money!

They’ve got loads of games, from classic arcade games to poker and casino fun, that you can play- all while trying to win PayPal cash or gift card rewards.

Getting started is easy. Sign up for an InboxDollars account, download their app from the App Store for easy access, and you’re all set to start gaming.

And when it’s time to cash out, InboxDollars also offers the option to cash out by PayPal account, good old check, or free gift cards.

Check out my InboxDollars Review to see how you can get paid for surveys, gaming, online shopping, and more!

4. Bingo Cash

Bingo Cash is like your regular bingo game but with a cool twist. This gaming app is available for both iOS and Android, so you can play it wherever you are.

The best part? You can actually win some extra cash while having a blast with different games.

You can sign up for free and decide whether to keep it casual or go all in with some cash tournaments. It’s up to you!

One of the neat things about Bingo Cash is its fair play system. There’s no need to worry about facing off against bingo pros if you’re just starting.

Plus, you can earn gems to keep the fun going even if you’re not feeling the games on Bingo Cash.

Fund out how to have a good time and walk away with a bit of cash in your pocket with my full Bingo Cash Review.

5. Blackout Bingo

Get ready to spice up your bingo nights with Blackout Bingo! 

Blackout Bingo puts a fun twist on the classic bingo we all know and love. Instead of just aiming for lines, you have to cover every single number on your card to win big!

Whether you play games against friends, against the clock, or in cash tournaments, the excitement never stops with Blackout Bingo.

And guess what? You can even win real money while you’re at it! Just head over to the App Store, download the Bingo Blackout app, deposit cash if you’re feeling lucky, and get ready to shout “Bingo!”.

But wait, there’s more! Along with the chance to win cash, you can also score awesome rewards like gift cards on Blackout Bingo.

Check out my honest Blackout Bingo Review to see how much I liked the game!

6. Solitaire Cash

Solitaire Cash isn’t your grandma’s Solitaire game. Now, you can turn your mad Solitaire skills into real cash right from your phone or tablet.

The game matches you with players who are on your level. Each player is dealt the same cards for a fair game. The player who racks up the most points takes home the cash prize.

You can practice for free and work your way up to cash games. Just download the Solitaire Cash from the App Store to play games.

Once you’re feeling confident, you can jump into real-money games. Solitaire Cash also throws in daily gifts and bonuses, along with trophies and bigger prizes for the top players.

And when you’re ready to cash out, you can securely withdraw your earnings with PayPal or Apple Pay.

7. Bubble Cash

If you like popping bubbles and winning some serious cash, you’re in for a treat with Bubble Cash, one of the best game apps for turning your skills into real money rewards.

This bubble-shooting game is not just about mindless popping- it’s about strategically aiming bubbles to earn gems that could lead to sweet PayPal or Apple Pay cash prizes.

Whether you’re playing for free or cash tournaments in the paid game modes, there’s always a chance to score big and pocket some extra cash.

Now, you won’t become a millionaire overnight, but hey, it’s a fun way to pass the time and play games while you’re waiting in line or chilling out at home watching TV!

And with Bubble Cash available on the App Store, it’s never been easier to join the action and start playing iOS games that could actually earn you real cash.

8. Cookie Cash

Cookie Cash is a super fun matching game that involves not only playing games but also winning cash prizes!

If you’re feeling bold, play money games for a shot at bigger bucks in cash tournaments. Payouts range from $1 to $50 and beyond, folks!

You load up on rewards and then can cash out via PayPal or Apple Pay – easy peasy!

Of course, every game has its ups and downs. Players love the challenge and thrill of winning real cash, along with the chance to practice in free games before going all in.

But hey, let’s keep it real- you might lose some money in those cash tournaments. You need to be fast with matches to win big.

9. Pool Payday

Get ready for some serious fun with Pool Payday! This game takes your typical pool experience and kicks it up a notch with some thrilling twists that’ll keep you coming back for more.

In Pool Payday, it’s not just about sinking balls for kicks—it’s about diving into adrenaline-pumping cash tournaments where you can score some serious dough.

Every move you make in this game counts, from your basic shots to those jaw-dropping trick shots that earn you extra points.

The more points you rack up, the closer you get to being crowned the ultimate pool champion!

So, if you’re looking for a game that is fun and also allows you to win money and score some extra cash, Pool Payday is where it’s at.

10. Dominoes Gold

Dominoes Gold takes your classic domino game takes this classic game to the next level. It’s a fun way to earn real rewards while having a blast.

You can use real money or free virtual currency to lay down dominoes, scoring points with clever combos that add up to multiples of five.

It’s all about strategy and skill as you face off against fellow players for some awesome prizes.

And hey, speaking of prizes, you’ve got options! You can win products, snag some gift cards, or go big and score some extra cash in your PayPal account.

Imagine turning your love for playing iOS games into real money rewards- now that’s a win-win! If you’re interested in giving it a shot, you can find Dominoes Gold on your favorite app store.

11. Spades Blitz

The Spades action is hot, and the rewards are even hotter with Spades Blitz! This free app is your ticket to intense spades showdowns with the chance to score some serious cash rewards.

Challenge players from across the globe and watch your skills soar as you climb up the ranks and unlock even more lucrative cash tournaments.

It’s the ultimate test of your Spades prowess, with the potential to walk away with some sweet extra money in your pocket.

You can also play games for fun with virtual currency. It’s all about enjoying the game your way, whether you’re aiming for the jackpot or just looking to sharpen your skills.

So, head to the App Store, grab Spade Blitz, and get ready to turn your spades skills into serious cash!

12. Cash ’em All

If you’re looking for a gaming app that lets you rack up serious rewards while having fun, look no further than Cash ’em All!

This app is all about giving you the chance to earn free money simply by doing what you love – playing games.

Say goodbye to pesky in-app purchases and annoying ads that interrupt your gaming experience. With Cash ’em All, it’s all about the fun and the rewards.

But here’s the kicker-with Cash ’em All, you’re not just earning virtual rewards. You can actually win real cash that you can cash out via PayPal once you have $0.50.

13. Bingo Tour

In Bingo Tour, it’s all the excitement as numbers are called out, and you race to daub them on your colorful card.

Whether you’re trying to get multiple bingos or going all out for a complete blackout, the thrill never stops!

There are awesome power-ups that you can use to supercharge your points and compete for those top prizes.

Join contests with 5 to 10 players, and if you make it to the top three, you’ll be celebrating in style!

And guess what? You can play for free or load up your app wallet with cash for those high-stakes games.

14. Solitaire Cube

Solitaire Cube is basically the classic solitaire game you know and love but with a fun twist. 

It’s an app that allows you to play solitaire on your phone or tablet, but here’s the kicker: you get to play against other people.

Instead of just moving cards around by yourself, you’re racing against the clock and other players to clear the deck faster. Think of it as Solitaire but with a bit more adrenaline.

The game’s pretty straightforward and super user-friendly, so you won’t have any trouble getting the hang of it, whether you’re a solitaire pro or just starting.

If you’re competitive, you’ll love the tournaments and head-to-head battles, where you can win prizes.

15. Big Buck Hunter

Get ready for some serious arcade action right on your phone with Big Buck Hunter! Compete head-to-head with other players as you hunt down virtual deer in different locations.

The old-school plug-in version for the TV was huge for a long time (and at arcades!), but this is better since you can win cash by playing!

The game is designed to be easy to pick up and play, making it accessible to everyone, whether you’re a seasoned hunter in the game or just looking for a fun way to pass the time.

16. 8 Ball Strike

8 Ball Strike on the App Store is your go-to if you’re looking for a game of pool but can’t get to a pool table.

It’s pretty much pool on your phone or iPad, which is awesome for both serious pool players and folks just looking to have a good time.

The game’s got this cool setup where you can feel like you’re playing for real, thanks to how you aim and shoot the cue ball.

It’s all about getting that perfect angle and power, just like in real life, but you know, without the heavy table.

You can go head-to-head with players from all over the place or jump into tournaments if you’re feeling confident.

17. Bubble Shooter

Bubble Shooter is a classic and addictive game that you’ve probably seen or played at some point.

It’s a simple yet incredibly fun game in which you shoot colored bubbles at a cluster of bubbles at the top of the screen.

The goal is to match three or more bubbles of the same color to pop them, clear the board, and rack up points.

What makes it so addictive is the blend of strategy and luck involved in deciding where to aim your next bubble to make the biggest impact.

Are you feeling competitive? Dive into multiplayer tournaments where players of similar skill levels go head-to-head.

18. Solitaire Smash

Solitaire Smash is one of the most popular casino games on the App Store that jazzes up the old-school card game of solitaire.

Whether you’ve been playing solitaire for years or you’re just getting into it, you’re going to love what this game brings to the table.

What’s neat about it is that you’re not just playing solitaire in the usual way. In Solitaire Smash, you’ll be matched up against other players, making sure every game is fair and exciting.

Join multiplayer cash tournaments and take your pick – play for real money or collect virtual gems for some extra sparkle.

19. 21 Blitz

21 Blitz is a cool app that combines the thrill of Blackjack with the chill of Solitaire into one game.

It’s perfect for anyone who digs card games or anyone looking for a quick, exciting break.

Imagine trying to get as many 21s as you can, but here’s the kicker: you’re on the clock and sometimes going head-to-head with other players.

The game steps it up with tournaments and one-on-one battles where you can win real cash prizes or in-game goodies.

20. Bingo Clash

With Bingo Clash, you have two exciting ways to play: play free games for some casual fun or enter pay-to-play tournaments where cash is up for grabs.

But if you’re feeling lucky, why not try your hand at pay-to-play tournaments for a chance to win some serious PayPal cash?

In tournament-style play, you’ll face off against players of similar skill levels for a fair and exciting challenge.

You can cash out straight to your PayPal account when you win and have $2 in your Bingo Clash account.

FAQs

What apps give rewards for playing games?

When you’re scrolling through the App Store or the Google Play Store, you’ll find a bunch of apps where you can earn cash and play fun games. It’s pretty wild, right?

Think Swagbucks, KashKick , and more. You can win real money playing games.

Are there iPhone games that pay real money?

Absolutely! On your iPhone, there are several mobile games where you can potentially win money and gift cards by playing against other players in cash tournaments.

Let’s name a few popular ones where you can win real money:

Swagbucks 
KashKick 
Blackout Bingo
Solitaire Cash
Bingo Cash

While there are limited referral bonuses and some state restrictions on cash tournaments, they’re still a blast for those who love a little friendly competition with some cash on the line.

Do I have to pay money to win cash prizes?

Some games might ask for an entry fee to join cash tournaments or unlock bigger payouts. Many others are free to play.

You can still win actual money without depositing cash upfront. Just make sure to review the terms and conditions before playing!

What payment methods can I get real cash prizes with?

When it comes to cashing in those sweet winnings when you play games, you’ve got options! Most game apps offer payment methods like PayPal, Apple Pay, Visa, Mastercard, and more.

But it’s always a good idea to double-check the payment options available on each app before you start earning real cash!

Are there gaming apps that pay to Cash App?

Not all gaming apps may offer payouts directly to Cash App, but some games pay to Cash App. It’s a good idea to double-check each app’s payment options before you play mobile games, just to be sure.

If Cash App isn’t listed, don’t worry! After cashing out from the game app, you can always transfer your win cash earnings from PayPal or your bank account straight to your Cash App.

Final Thoughts

Get ready to level up and make money playing games with these awesome iPhone games, which allow you to win cash prizes!

Not only can you earn extra money on the side, but you can also snag some completely free gift cards along the way.

So why wait? Start playing today and start making some serious real money playing games on your iPhone!

Do you have a talent for numbers and a drive to help others manage their finances? If so, starting a bookkeeping business might just be your ticket to financial success and freedom.

Offering bookkeeping services can generate income and offer the flexibility to work on your own terms.

But where do you begin to start a profitable business? With my step-by-step guide, I’ll show you exactly how to start a bookkeeping business.

Get ready to take charge of your own destiny and create a life that you love!

Key Takeaways

Learn Bookkeeping Basics: Before you start a bookkeeping business, learn the basics from Bookkeeper Launch. It’s the meat and potatoes of your future business!
Find Your Bookkeeping Niche: Carve out your special spot and tailor your bookkeeping services to match. This is your golden ticket to standing out in the crowd.
Craft a Genius Business Plan: Planning is your best friend. Sketch out an epic roadmap that outlines how your business and how it will grow.
Invest in Quality Bookkeeping Software: Utilize software that streamlines operations and grows with your business.
Build an Online Presence: Create a professional website and engage on social media to attract and retain clients.
Utilize Job Platforms: Platforms like FlexJobs can connect you with potential clients and talent for your business.
Plan for Growth: Set long-term goals and adapt your business plan to scale your services and increase revenue over time.

How To Start A Bookkeeping Business

Becoming your own boss sounds epic, doesn’t it? And when you add the potential for a comfortable income, it’s like hitting the jackpot.

Flexibility and freedom– fancy setting your own hours? How about choosing exactly who you want to work with?

Your own bookkeeping business offers you a golden ticket to having a work-life that seamlessly meshes with your personal life. Say goodbye to the 9-to-5 life and hello to life on your terms.

Learn About Bookkeeping

Bookkeeping is all about tracking every financial transaction within a business. You record income, expenses, and financial movements to ensure that every penny is accounted for.

If you’re starting from square one, begin with understanding the foundational principles of bookkeeping.

You’ll need to learn the basics of bookkeeping – terms like assets, liabilities, equity, revenue, and expenses and the different types of financial statements.

You could learn everything you need from taking an online course and getting certified, prepping for your new business venture.

Getting a certification isn’t always required, but it can help your credibility and reassure clients that you are an expert.

Several organizations offer certifications that involve completing coursework and passing an examination, including Bookeeper Launch.

These 3 FREE lessons from Bookeeper Launch can help you dive deeper into bookkeeping and what your new business entails!

Their free lessons are tailored to give you a solid introduction, covering everything from the basics of recording financial transactions to preparing financial statements.

But once you’ve completed the course, that isn’t the end-all-be-all! Finance is always evolving, and clients will have different needs as time goes on.

To keep your bookkeeping business profitable, stay ready to shift gears based on what you learn, market shifts, and your own evolving interests.

Pick Your Niche

One of the key moves you’ll make is zeroing in on the right niche.

By aligning your business with a niche that you’re passionate about or have extensive experience in, you can tailor your services to meet the needs of bookkeeping clients in that sphere.

What gets you fired up? Have you got a history in retail, construction, or maybe the nonprofit world?

Are you all about the hustle and bustle of startups or the tried-and-true realm of established small businesses?

Digging into these questions can help spotlight a bookkeeping niche that not only benefits from your know-how but also keeps you engaged.

Start with a few clients in your chosen niche. This will give you a good sense of whether this niche is truly your cup of tea or if another would be better for your business.

Price Your Services

Before setting your prices, compare what other bookkeeping businesses charge for similar accounting and bookkeeping services.

This doesn’t mean you should just copy-paste their pricing structure, but it does give you a ballpark idea of what clients might expect.

Here are some things to think about:

Remember, your prices can be higher or lower depending on your expertise, the specific niche you serve, and the complexity of your services.
Think about offering a variety of pricing models to meet your clients’ different needs. Offering choices can make your services appealing to a broader range of clients.
You can start with a project-based rate for one-off tasks or an hourly rate for ongoing, variable support. This means you’ll take projects as they come if your project load isn’t full.
Others might like the monthly retainer model, in which they pay a set amount each month for a bundle of services.
Transparency is key when it comes to pricing. Be clear and upfront about your rates and what those rates include.
Your bookkeeping business will grow, and so should your pricing. As you gain more experience and expand your services, you can adjust your rates at a reasonable rate.

Create Your Business Plan

Think of your business plan as your roadmap; it’s going to guide you from where you are now to where you dream of being.

Whether you’re pitching to investors, applying for a loan, or just setting clear goals for yourself, a solid business plan is your best friend.

Here’s how to start:

Dive Into the Details – Your business plan should dive into how you are going to run your business- your niche market, your services, and how you plan to market those services.
Pick A Business Structure – Are you going solo and creating a sole proprietorship, LLC, etc.?
Market Analysis Is Key – Who needs your bookkeeping skills? What does the competition look like? A thorough market analysis lets you know the landscape for a new business.
Financial Projections – Let’s talk numbers- a language you should know. You need a solid financial background to create projections for income, expenses, and when you expect to break even.
Plan for the Future – Where do you want your new business to be in a year? Five years? Set some long-term goals and outline the steps you think you’ll need to take to get there.

Pick A Business Name

Your business name should be a mirror to the bookkeeping services you offer. It should give small business owners and other possible clients a clear hint of what you’re all about.

Your name will be your banner as your business grows.

Whether your name is straightforward and descriptive or a bit more abstract and creative, the key is relevance. Your name sets the stage for expectations and building a reputation.

You also want something that’s easy to recall and pronounce and stands out in the crowded marketplace for starting a bookkeeping business.

Choose a name that’s broad enough to encompass any future expansion of your services but specific enough to remain relevant to your core offerings.

Once you’ve found the perfect name, you will want to protect it. Trademarking your business name safeguards it from being used by others in your industry.

Register Your Business

Now that you’ve chosen a fantastic name, you should register your bookkeeping business.

Registering your business entity isn’t just about getting a certificate to hang on the wall. It’s about understanding and complying with legal and tax obligations.

You picked your business structure, right? Now’s the time to know so you can plan for taxes and more.

A sole proprietorship is the simplest form, but a limited liability company (LLC) may offer protection from personal liability. If you are sued, your home and life aren’t at risk.

Once you’ve decided on the structure that best suits your bookkeeping business, you should register for a business license with the appropriate state and possibly federal agencies.

This business infrastructure is one step to starting other pieces- from opening a business bank account to managing business finances and tax reporting, you’ll be ready to set things up.

Get Email Address Set Up

Setting up a professional email address using your business name is a simple yet impactful step in getting your bookkeeping business ready for success.

Use Your Business Name: Start with your business name for instant recognition and professionalism.
If your business is called “Savvy Mamas Bookkeeping,” an email address like info@savvymamasbookkeeping.com instantly tells people who they’re dealing with.
Keep It Simple: Your email address should be easy to remember and type. Avoid complicated spellings or unnecessary numbers.
If your business name is long, consider abbreviating it in a way that’s still recognizable. This is a good time to see if your acronym is NSFW or taken already!
Choose a Reliable Provider: Opt for a reputable email hosting service that offers features beneficial for small businesses, such as calendar integration and enhanced security.

Open A Bank Account/Payment Services

Opening a business bank account keeps your business finances separate from your personal finances, knowing your cash flow and business spending separately form your heart and home.

It not only helps you manage business expenses and income effectively, but it also keeps the picture of your personal and business finances crystal clear.

Choosing the right bank means finding one that aligns with your business needs and offers services that support small business owners like you.

When you go to open your account for your business operations, you’ll need to have your business documentation ready, including any registration papers and possibly an EIN if your setup requires it.

Savvy Tip: Check out the online banking features, low transaction fees, and specialized support for businesses.

Apply For Funding

Kicking off your bookkeeping company means being upfront about the estimated startup costs.

Thankfully, bookkeeping businesses are very inexpensive if you plan on freelancing and doing everything remotely.

However, if you want a brick-and-mortar shop with other bookkeepers and staff, you’re going to need to figure out financing ahead of time.

To cover these costs, you might find yourself considering the best ways to apply for funding. Some options are:

Small Business Loans: Many banks and financial institutions have loan packages designed to meet the needs of small businesses.
Grants: Depending on your location and the nature of your business, you might qualify for grants. These are particularly appealing because, unlike loans, grants do not need to be repaid.
Personal Savings: Many people use their savings to start their own business; any amount could cover some estimated startup costs.
Business Credit Card: For ongoing expenses or smaller purchases, a business credit card can be a convenient option. Plus, business credit can help with costs beyond starting up.

Get Bookkeeping Software & Business Programs

Choosing the right accounting software is all about finding a tool that manages your bookkeeping clients and fits well with your business’s workflow and budget.

A tailored small business accounting software should not only streamline your day-to-day tasks but also boost your overall productivity and accuracy.

Also, small business accounting software should not only meet your current needs but also anticipate your future needs and be capable of scaling as your client list expands.

QuickBooks Online stands out as a go-to accounting software for many in the industry, praised for its adaptability to a range of business sizes and needs.

Join Job Sites

Platforms like FlexJobs are bustling marketplaces that offer dual benefits to get your business and services out there.

You can use it to find potential clients who need bookkeeping services or even hire employees and freelancers to grow your business.

You can search for bookkeeping jobs to gain experience before you launch your business or use FlexJobs to find your first clients working solo.

Putting yourself out there on FlexJobs means you’re signing up in a space where businesses are already looking for someone with your skills. Check out my FlexJobs Review to learn more!

Create A Website & Social Media

Think of your website as your online office. It’s the first place potential clients are likely to encounter your business.

Your own website is your chance to highlight your services, share your expertise, and, most importantly, make a connection that could turn a casual visitor into a client.

That’s why it’s important to create a website on a host like Bluehost that doesn’t just look good but also effectively communicates what you’re all about.

Bluehost is a low-cost service that offers web hosting plus a free domain name to launch your website.

Besides setting up your website, setting up professional social media accounts is another key step.

Social media extends your reach and provides additional channels for potential clients to discover and engage with your business.

Market Your Business Online

Online marketing can make a big difference for your business. It’s all about using social media, content marketing, and online networking to showcase your talents.

With social media, you can keep things lively and engaging, showing folks the human side of your business.

Use content marketing to share valuable insights, whether through blog posts, emails, or videos, proving that you know your stuff.

You can network in online forums, social media groups, local business organizations, or at networking events in your area.

And don’t forget about reaching out to people you already know, friends, family, or past colleagues, who might be able to introduce you to others who need bookkeeping services.

FAQs

Is becoming a bookkeeper profitable?

Yes! Entry-level bookkeepers can earn an average salary of $44,083, while experienced ones in specialized fields can earn up to $55,893 per year.

Do I need a degree to become a bookkeeper?

You don’t necessarily need a degree to dive into bookkeeping. It’s one of those fields where practical skills and experience can speak volumes.

Plenty of bookkeepers start with just a high school diploma, backed by bookkeeping courses, to get the ball rolling.

To really stand out and boost your job prospects, going for certifications like the Certified Public Bookkeeper (CPB) or Certified Bookkeeper (CB) can make a big difference.

How can I learn about becoming a bookkeeper?

Starting with bookkeeping courses is a smart move to learn about becoming a bookkeeper.

These can range from online tutorials that you can work through at your own pace to classes online or even some hands-on workshops at your local community college.

A popular bookkeeping course is Bookkeeper Launch, which offers 3 FREE lessons from Bookkeeper Launch that walk you through everything from the basics and launching your business.

Can bookkeeping be a good side hustle?

Definitely! Bookkeeping can be a fantastic side hustle idea if you’re into numbers or have a finance background.

What’s cool about starting bookkeeping businesses on the side is the flexibility they offer. You can work from anywhere, choose your own hours, and really target your market.

Does virtual bookkeeping pay as well as an in-person business?

The earning potential for a virtual bookkeeping business is on par with in-person services, thanks to the rise of cloud-based accounting software and the increased demand for virtual services.

Additionally, virtual bookkeeping offers the flexibility to work from anywhere without needing dedicated office space, potentially expanding your client base beyond your local area.

How can I start a bookkeeping business from scratch?

Starting a bookkeeping business from scratch might seem difficult, but breaking it down into manageable steps can help you navigate the process more smoothly.

Here’s a simplified roadmap to get your bookkeeping business off the ground:

Learning about bookkeeping: Get a solid grasp of bookkeeping fundamentals. This can involve self-study, online courses, or formal education.
Picking a niche: Focus on a specific industry or type of client to better tailor your services and stand out in the market.
Pricing your services: Develop a pricing strategy that reflects your value and fits the market you’re targeting.
Creating a business plan: Map out the details of how you plan to run and grow your business. This includes your services, target market, marketing strategy, and financial projections.
Registering your business: Make it official by registering your business according to your local laws and regulations.
Setting up a professional email and bank account: Establish separate email and bank accounts for your business to keep professional and personal finances distinct.
Applying for funding: If needed, explore funding options like small business loans, grants, or using personal savings to cover startup costs.
Investing in bookkeeping software: Choose software that suits your business needs and also helps you streamline your operations.
Creating a website: Build an online presence with a professional website that showcases your services to attract potential clients.
Joining job sites: Use platforms like FlexJobs to find clients or hire additional help as your business grows.
Marketing your business online: Utilize online marketing strategies to promote your services through social media, content marketing, and other digital channels.

Final Thoughts

Starting a bookkeeping business can be a profitable venture. With the right skills, planning, and marketing efforts, you can build a successful business serving a variety of clients.

As you set forth on this entrepreneurial path, keep in mind that every number tells a story.

Your role as a bookkeeper isn’t just about balancing books; it’s about being a trusted partner in your clients’ success stories.

So, why not dive into the adventure of becoming a bookkeeper? It’s an opportunity to craft a career that’s not only profitable but also deeply rewarding.

Understanding how to invest money as a teenager can actually be a huge boost for a teen’s future finances.

Now, you’re probably wondering, “How does investing as a teen even work?” It’s all about these cool things called a custodial brokerage account.

They’re like a beginner’s toolkit for young investors, giving a teen a way to start investing early without diving in headfirst.

So, if you’re ready to level up your teen’s money game, stick around. I’ll break down the basics of investing as a teen, and we’ll kickstart their path to financial freedom.

Key Takeaways

Investing for teens is all about getting savvy with your money.
If you’re a teen, play around with pretend brokerage account portfolios to get the hang of things.
Then chat with your family (they’re not as boring as they seem), and get things launched for real!
Teen investors need to get to know different investment types like stocks, ETFs, mutual funds, and bonds.
Even teens should think long-term and consider college savings and retirement accounts.
Building your teen investment strategy is like making your own game plan. Check your risk tolerance, spread out your investments, and do some research.

How To Invest As A Teenager

Have you ever considered investing young but felt like it was just for the Wall Street crowd? Well, guess what?

Investing is possible for teens, too, and getting into it now can be like unlocking a secret level in a game where the prize is your future financial future.

These are great tips that I used to start investing for myself in college and also to start some investments for my kids!

Learn About Investing

Investing might seem a bit scary at first, but trust me, it’s not as scary as it sounds.

I totally get it- I’m learning all I can now to start investing for my girls. They are still young children, but time goes by quickly, and they will be teens before I know it.

Here are some places where I started looking for information about investments and how the stock market works for my girls. They helped me, and I think they will help you, too!

TeenVestor – TeenVestor can help you learn the ins and outs of investing. They offer the basics of financial assets to more advanced topics, all tailored for the younger crowd.
Wealthfit’s Investing 101 for Teens & Investopedia – Wealthfit offers your go-to online libraries for everything investing., and packs a punch with video modules aimed at teens.
Investodepia – Investopedia is like the Wikipedia of finance and investing. It’s blog-style with hundreds of articles about investing options and investment platforms.
TD Bank WOW! Zone – TD Bank WOW! Zone has put together lesson plans that make learning about finance fun and relevant and help adults who want to teach teens about investing.

Try Mock Portfolios/Investing Tools

Wouldn’t it be nice if you could give investing a test run first? Well, you can!

Mock portfolios or virtual trading platforms are awesome tools to get a feel for the market without risking real money or setting up a custodial account.

As a teen investor, it’s like having a practice field where you can sharpen your skills before starting your investing journey for real.

Here are 3 sites to get started:

The Stock Market Game & How the Market Works – The simulators on The Stock Market Game & How the Market Works are like playing a video game in which you navigate stocks.
Wall Street Survivor – Wall Street Survivor breaks down investment concepts into easy-to-digest lessons and lets you trade stocks virtually.
Young Investors Society – The Young Investors Society offers paper trading challenges like the Dollar-a-Day challenge, where new investors can learn the magic of saving and investing.

Research Common Investment Scams!

As a teen investor, keeping your hard-earned money safe when you make investments is a big deal.

See, there are all sorts of sneaky scams out there, from dodgy penny stocks to schemes promising crazy high returns when you invest in stocks.

Some sites can help you learn more about scams:

Investor.gov – Investor.gov is a site run by the U.S. Securities and Exchange Commission (SEC). It has a checklist of red flags that infer investment fraud.
FINRA (Financial Industry Regulatory Authority) – FINRA provides detailed guidance on various fraudulent schemes and practical tips to protect yourself.

Save Up Funds

Saving up funds is the first step towards investing, and as a teenager, you might wonder where to start. The answer is actually pretty simple!

You can begin by setting aside money from your allowances, part-time job earnings, or cash gifts you receive. Every little bit adds up, so remember the power of those small contributions.

Think about opening a high yield savings account like the ones at Chime to stash away your funds. Not only will it keep your money safe, but you’ll also earn some interest along the way.

Plus, the more you save, the more you’ll have to invest when you’re ready.

Talk About Signing Up W/ Your Family

Getting your family on board with your investment goals is more than smart; it’s necessary, especially if you’re not 18 when you begin investing.

For starters, you’ll need their OK to open an account and get the ball rolling with an official investment platform.

But it’s more than just ticking a legal box. Having a parent or guardian involved means:

You can get investment advice, especially if they are advanced investors – someone to help decode the complex world of investing.
You can work together and tag team finances. Bringing more minds to the table can lead to better financial decisions and strategies.
You can celebrate the wins together and enjoy the sense of achievement as a family. You can also learn from the losses together and use setbacks as valuable learning opportunities.

Check Out Custodial Accounts

Ready to start investing but not quite the big 1-8 yet? Cue custodial accounts!

Your parent or guardian can help you open a custodial account, and from there, you’ll have access to a whole new world of investing opportunities.

A parent or guardian manages these special brokerage accounts until you hit legal age/become an adult.

Custodial accounts operate under the Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA).

They give you the green light to hold a wide range of assets and may be exempt from some taxes by the Internal Revenue Service.

Curious where to find these custodial accounts? An investing account can typically be set up through most major financial institutions or online brokerage firms, like M1 Finance or Acorns Early.

Decide On Investment Options

Now that you’ve saved up some money and done your homework, it’s time to decide where to put your hard-earned cash to work.

There are many investing options available, each with its own set of risks and rewards.

You’ve got:

Stocks
Bonds
Mutual funds
Real estate

But here’s the thing: the right choice depends on your financial goals and how much risk you’re comfortable taking. And that takes some learning and thinking!

Investment Options (In-Depth)

Stock Market & ETFs

The stock market is one place where investors can grab a slice of ownership in various companies.

When you invest in individual stocks, you’re essentially becoming a part-owner, riding the waves of profits and losses alongside the company’s journey.

Exchange-traded funds (ETFs) bundle assets like stocks, bonds, or commodities into one neat package.

You have more flexibility with your investment because an ETF can be bought and sold throughout the trading day.

Both stocks and ETFs shine because of their power of diversification. With stocks, you can spread your investments across different companies and sectors, reducing your risk.

ETFs are similar to mutual funds in that they can have a range of investments altogether (below), but unlike mutual funds because they trade on stock exchanges.

Mutual Funds & Index Funds

A mutual fund is like a collective investment pot where people pool their money to invest in a variety of assets.

Mutual funds spread risk and diversify your investment portfolio without picking individual stocks or bonds.

An index fund also pools investors together but sticks to stocks and bonds. It’s a hands-off approach that focuses on keeping pace with overall market trends.

They track the performance of a specific market index, such as the S&P 500. Instead of trying to beat the market, they try to match its movements.

The real perk of both a mutual fund and an index fund is that experienced professionals typically manage them for you.

Bonds

Bonds are tools for borrowing, used by both governments and companies to gather capital. Investing in a bond means you’re giving a loan to the issuer of the bond.

These debt securities pay interest to the bondholder throughout the bond’s term and return the principal amount at the end.

Bonds offer a steady stream of income, making them attractive to many investors seeking reliable returns from low-risk investments.

Additionally, they play a crucial role in diversifying investment portfolios, helping to mitigate risk.

College

Investing in a college savings plan is like giving yourself a head start on your educational journey.

These plans, like the 529 Plan with UPromise, help you stash away cash for college and offer some pretty sweet tax benefits.

By investing in a college savings plan now, you’re setting yourself up for success in the future.

Not only will you be able to save money on future education costs, but you’ll also be lightening the load when it comes to taking out those dreaded student loans.

Retirement

I know – retirement feels lightyears away when you’re still in your teens, but trust me, starting to save now can make a world of difference down the road.

A Custodial Individual Retirement account, like a Roth IRA with Empower, can help you build a cozy nest egg for the future.

Not only do they offer some sweet tax advantages over other investments, but they’re also a smart way to get ahead financially.

Plus, with lower-risk investments like savings accounts or a custodial IRA, you can sleep easy knowing your money’s working hard for you.

The Investor’s Toolkit: Tips For Investing

Assessing Risk Tolerance

Risk tolerance sounds scary, right? But it’s really just a way of expressing how comfortable you are with the ups and downs of investing.

Why does it matter? Well, it’s all about how you handle risks that affect the types of investments you go for and how you react when the market gets a little wild.

Investments may lose money over time, or they may not- different investment options have more or less risk, and you have to decide how much money you’re willing to lose if you don’t get the payout.

Assessing risk tolerance comes down to the estimated low vs your estimated gains. For example:

Conservative portfolio: annual returns at 8% with only a 14% chance of loss
Risky (aggressive) portfolio: potentially 10% returns, but has the potential to lose 44% of your money.

Diversification: Not Putting All Your Eggs in One Basket

Diversification is spreading out your investments across different types of assets. Think of it as having a bunch of different baskets for your eggs instead of cramming them all into one.

By spreading your investments across different asset classes- like stocks, bonds, and even savings accounts- you’re not putting all your eggs in one basket.

That means if one investment doesn’t perform as you hoped, it won’t tank your entire portfolio.

How to Research Stocks

It’s like being a detective, but instead of solving crimes, you’re looking for clues about which companies might be worth investing in.

Dig into a company’s financials. Check out income statements, balance sheets, and cash flow statements. Despite sounding boring, these numbers provide valuable insights into the company’s performance.
Stay updated on company news. Keep an eye out for product launches, mergers, or leadership changes. Such updates can offer valuable clues about the company’s prospects.

Evaluating Index Funds and ETFs

When it comes to evaluating index funds and ETFs, there are a few things you’ll want to keep in mind to make sure you’re picking winners:

Assets: Check what’s inside. Look at the stocks, bonds, or other assets the fund invests in.
Fees: Watch those costs. High fees can take your returns over time.
Historical Performance: Look back! Past performance can give you an idea of how the fund has done and if you would benefit overall.

Insights on Bonds and Interest Payments

Bonds offer a steady source of income through a fixed interest rate. Whether you’re a seasoned investor or just starting, it’s important to know how bonds work and how they earn interest.

Learning about interest rates is key because they can significantly impact your returns.

For young investors looking for a reliable income stream for their portfolio, bonds are a great way to earn money steadily.

Using Investing Apps and Virtual Trading

Investing apps and virtual trading platforms let you practice your investing skills without risking a penny of your hard-earned cash.

These apps and platforms mimic the real stock market, giving you a chance to test out different investment strategies and see how they play out in real-time.

Whether you’re a rookie investor looking to dip your toes into the market or a seasoned pro exploring new tactics, these tools offer a risk-free environment to experiment and refine your approach.

FAQs

Why is investing a good way to make money?

Investing can potentially amplify your money more lucratively in comparison to mere saving- you use your money to grow more money.

When you invest money, it can potentially bring in higher returns, and the power of compound interest means your investments can grow significantly over time.

It’s also a way to achieve financial success, build wealth, and meet long-term financial goals.

Is investing important for a teenager?

Absolutely! Investing as a teenager has several benefits:

Grow money with compound interest
Learn vital money management and personal finance skills
Investing early sets them up for future financial success

Can teenagers sign up for investment platforms?

Typically, investment platforms require users to be 18 or older to open a brokerage account. But, teenagers can kickstart their investment journey with parental or guardian assistance.

Parents or guardians can start a custodial brokerage account for their teenager, where they oversee and manage the investments until the teenager reaches legal adulthood.

How do beginners start investing?

Beginners can start investing by:

Learning about investing
Saving up funds
Opening an investment account
Choosing an investment strategy
Practicing investing through mock portfolios or virtual investing platforms without risking real money
Commencing with small investments and progressively reviewing them as you acquire more knowledge and experience

Final Thoughts

Investing as a teenager can be an exciting and rewarding journey.

It not only helps you build financial literacy skills but also sets you up for financial independence in the future.

You can help make informed investment decisions for your custodial account by understanding different investment options, knowing your tolerance for risk, and diversifying your portfolio.

Remember, start early, invest wisely, and always keep learning when investing for teens.

If you’ve been thinking about working from home so you can spend more time with the kiddos, boy, do we have some great side hustles for every busy mom!

Whether you’re looking for a way out of your current job or just some income ideas to work on the side, this list has many hustle ideas for moms that provide flexibility and an easy work-life balance.

With diverse options ranging from making online courses to becoming a virtual assistant, you can find something that pays you $100+ fast that matches your skill set.

Let’s look at some side hustles for moms and see what strikes your fancy!

Quick Picks: Best Side Hustles For Moms

We have so much on our list that moms can do in their free time to make money- or even earn passive income so you can work less and prioritize your family life.

Whether you’re looking for side hustles for single moms or a stay-at-home mom looking for some side income, I’ve got you!

Here are our top picks for the best side hustles you can pick:

Most Flexibility – Proofreading
Best Passive Income Potential – Blogging
Easy to Start – Bookkeeping

Online Side Hustles For Moms

1. Proofreader

Another great option for a stay-at-home mom to make money from home is proofreading.

In the world of publishing, everyone needs a set of fresh eyes to check their work, hence proofreaders! This might be an ideal position for you if you have a keen eye for detail and a way with words.

Proofreaders typically work online to edit documents and books for publishing- and you can make $20 per hour and create your own schedule to meet deadlines.

You can check out the free Proofread Anywhere workshop to learn about proofreading and starting your own business.

2. Bookkeeper

If you have a knack for balancing the books, bookkeeping might be a great fit for you.

In this position, you’ll typically focus on tracking and recording financial transactions that take place within your client’s business, and you can charge anywhere from $20 -$50 per hour.

You’ll want to ensure that you’re familiar with the basics of bookkeeping, like creating balance sheets or creating detailed invoices.

We like the free Bookkeeping Launch training– perfect for training and getting your bookkeeping business started.

3. Blogging Your Life & Passions

A good side hustle idea for stay-at-home moms is starting a blog and earning money from affiliate marketing.

By blogging about your interests and passions, you can earn some extra cash while also providing valuable content to other people.  

It has so much potential for passive income, so you can work less and still earn more money, plus as a blog grows you can hire other moms to work with you too!

The possibilities are endless when it comes to blogging content. You could write about fashion, travel, personal stories, cooking, anything!

As long as you can turn your writing into unique, helpful content, it doesn’t matter what the niche is.

We recommend checking out sites such as Jasper and Surfer SEO to help you get started on quality content and have many other great resources for you to check out.

4. Transcriptionist

Do you have a way with words and the ability to listen carefully? Then transcription might be for you!

This is a great side hustle for moms because it requires minimal training and allows you to work from home.

Typically, an employer will provide you with a set of audio files that need to be transcribed one by one. You’ll listen to the audio file, type out what you hear, and then edit your work for any errors.

Want to find out if transcription work is right for you? Check out the FREE mini-course from Transcribe Anywhere to find out more about becoming a transcriptionist!

5. Social Media Manager

So many businesses are too busy to keep up with social media management- and that’s where you come in!

Social media management is one of the best side hustles you can get started with as a stay-at-home mom. You can become a social media manager and make $40 per hour!

Typically, social media management involves creating marketing strategies and interesting content so businesses can connect with existing customers and attract new ones.

For example, you might create Facebook ads for an online store and then run Instagram contests of their clothes to increase brand awareness.

6. Virtual Assistant For Small Businesses

A new type of side hustle for moms that has grown over the last decade is virtual assistants.

Virtual assistants perform administrative tasks for their clients on an ongoing basis. They could organize filing systems, schedule appointments, answer emails, and more.

The possibilities are virtually endless when it comes to virtual assistant work, so you could even specialize in a specific area that your clients need the most help with.

7. Pinterest VA

Another great way to work as a virtual assistant is with Pinterest.

Typically, Pinterest VAs are responsible for creating beautiful Pinterest boards for their clients.

Clients can provide you with a list of topics or ideas that they’re interested in learning about and then you’ll come up with board themes.

For example, if you’re working with a fashion client, they may want to create boards around specific types of outfits. The more images that you can gather for your boards, the better it will be!

8. Virtual Tutor In English & Math

This is one of the best side hustles for moms since you’re probably used to helping your kids with their homework anyway! May as well get paid $20+ per hour tutoring other kids.

You would need to create supplemental learning materials and then use those materials to help your students understand new concepts.

We recommend signing up with BookNook, where you can tutor in English and math across the world.

You can find jobs posted online with Fiverr or even Facebook, or you can create your own tutoring business and use word of mouth through family to get started.

9. Freelance Writer Or Ghostwriter

If you have a way with words, freelance writing or ghostwriting can be great options for moms.

Typically, a freelance writer will write on topics related to personal finance or entrepreneurship, but there are no set guidelines when it comes to how to find clients.

You can find freelance writing jobs on sites like FlexJobs, but you can also directly reach out to blogs and businesses in your area of expertise.

What’s great about this side hustle is that you can work at your own pace and set reasonable rates for your freelance writing services.

If you’re new to freelancing writing, check out the eBook Freelance Write From Home to help you get started with freelance writing.

10. Data Entry

Are you skilled at typing fast and accurately?

If so, data entry might be your perfect option.

It’s also a great choice for moms because it requires very little training and can be done from the comfort of your own home.

Typically, a client will provide you with a set of data in a spreadsheet or other document that needs to be entered into a new spreadsheet or database.

This type of work is helpful when you’re in the beginning stages of your freelancing career because it’s fairly straightforward and easy to complete quickly.

Creative Side Hustles For Moms

11. Flipper

Being able to flip items for profit is a great side hustle for moms because it’s flexible and you can make your own hours.

You’ll need to scour thrift stores for items that could be valuable, but a keen eye can find great items to profit on.

As with any hustle, start small and plan your strategy. Think about a few items that you could buy for a low price and then sell for a higher cost in order to get the ball rolling.

When shopping for items to flip, keep the items’ resale value in mind as well as what marketplaces you can sell them on.

We recommend checking out Flea Market Flipper for more help on becoming successful flea market flippers.

12. Online Store Owner

Selling your handcrafted items or home goods is a great side hustle to make some side money around the holidays.

Online sales are great side hustles for moms who like being creative in their free time- you can easily make money off of your hobbies!

Etsy

If you’re looking for a platform to sell your handmade goods and crafts, we recommend Etsy for selling online. It’s a great place to list your items for sale, is easy to set up, and has a lot of traffic.

When setting up your online store, make sure you have a catchy name and appealing cover photo so that people can find you in the search bar! You’ll also need to create a professional-looking profile with some information about the type of items you’re selling.

People love handmade gifts for Christmas and Mother’s Day so this could be a great way to make some extra money around the holidays.

Shopify

If you have a home business, you may want to set up an online store using an e-commerce website. One of the most popular options for this is Shopify.

When setting up your account, it’s easy to choose from a variety of themes and add to your inventory so that people can purchase what they’re looking for!

Facebook Marketplace

Another marketplace to sell your products is on Facebook. Just create a business page and post the item that you have for sale for free! It’s an easy way to sell items from anywhere, including living room sales or garage sales.

In order to limit the amount of spam on your post, make sure your profile is locked down and only friends and family can message you. This way, you can focus on selling items and less on messaging back and forth with friends and family who may not actually want to buy anything from you.

13. Photographer

Photography is another popular on our long list of side hustles for moms because it is a high-paying side hustle- you can make $100 – $500 per hour depending on the type of session you book!

People love professional photos, especially around the holidays, so you could make a photography business and offer your services on sites like Fiverr or Upwork.

If you already own a nice camera, all you’ll need is some natural light and your background in photography to get started. You can start by looking for side jobs in your area that need a photographer or put together some stock photos to sell.

You could also make money with a drone and take aerial photos, wedding videos, and more!

14. Author

Do you like to write or keep a journal?

There are several different ways to publish your work, but we recommend self-publishing with Amazon Kindle Direct Publishing.

When sharing your work on Kindle, you’ll need to add in some information like formatting preferences and categories. You’ll also need to upload your submitted work as either a .doc file or PDF. After that, buyers can purchase your books right on Kindle!

If you don’t like the idea of sharing your work with everyone, you could always write under a pen name and keep your privacy.

15. Graphic Designer

Artworks can be great side hustles for moms because there is a lot of variety and the earning potential is endless! Companies are always looking for designers to make posters, advertisements, invitations, business cards, or even logos.

If you already own graphics software like Photoshop or Illustrator, this can be an easy way to make money by offering your skills as a designer!

You can offer to design one-of-a-kind pieces for people or you can create a ready-made design pack that people can purchase as is.

You may also need to know how to format your designs for specific programs like PowerPoint or Microsoft Word, so keep that in mind when pricing your services!

16. Voice Actor

You may know the Marge Simpson-like voice of Nancy Cartwright, but did you know that she makes $8 million every year in royalties just for voicing Bart in The Simpsons?

Voice actors can do studio work for films, commercials, or cartoons. They earn money reading whatever when their voices are used in these productions and then receive royalties when they are played on TV or at the movies!

If you’d like to turn your vocal talents into a side hustle, check out sites like Voice123 and Voices.com where you can look for jobs that need voice actors. This may be another highest-paying side hustle once you get your gigs lined up!

17. YouTube Streamer (YouTube Channel)

Now that YouTube is more widely used, thousands of people are using their accounts to make money! You can start your own channel where you talk about products, play video games, or offer how-to guides for DIY projects.

Once you get a solid following, you can partner with brands and companies who will pay you to advertise their products on your account!

The best part about becoming a YouTube streamer is that anyone can do it! All you really need to start is a video recording device (like your phone) and an internet connection.

Once you have your streaming account set up, simply look for companies that are interested in advertising on independent channels like yours. You’ll then be able to start building up your following and start getting paid for your work!

Exercise or Yoga Guru

Working out is often a way to relieve stress, so many people are interested in getting fit. So many side hustles can come from helping others be healthier.

You can sell or stream workout plans that you create or offer exercise equipment to your audience.

You’ll need an established channel on YouTube, Facebook, Instagram, etc. to show people what you’re selling and get their attention.

Genius Chef

If you’re a good cook and you want to make money on the side, the best way to do it is to start your own YouTube channel. Share your recipes and cooking tips for everything from breakfast to dinner.

If you make some unique dishes, mention them in your video and add links back on your blog post or social media page where people can purchase the ingredients.

Have you started a YouTube channel but need to figure how to make money from it? Take the Mastering YouTube course from Erika Kullberg, a lawyer who went from a newbie recorder to pro YouTuber making over $100,000 in her first year!

Working Offline

18. House Sitter

If you live in a large, metropolitan area, there are several side hustle apps where you can connect with people who need a sitter for their houses while they’re out of town!

It can be the easiest side hustle you find- you mostly just hang out at other people’s houses and keep yourself entertained.

All you really have to do is go over to their house, check on their pets, mail, or plants, take their garbage to the curb, and make sure there isn’t a problem with anything.

19. Pet Sitter

Whether or not you have a ton of experience with animals, pet sitting is a great side hustle for moms!

Rover is a popular app where dog owners can find sitters who are available on short notice. If you’re a dog lover, you can sign up to be available for people who need help taking care of their furry friends!

You’ll be paid by the company after each day of work and it’s very easy to get hired. You simply have to create an account and complete a background check.

Once you’re approved, you’ll be able to start making money by looking after dogs!

20. Dog Walker

Side hustles where you spend time with animals are goals in my book! You can also find dog walking jobs on Rover and get your pupper fix.

Instead of looking after the pets in their home, dog walkers take Fido for a walk around town.

Many owners are willing to hire people who are available during the day so they can get a couple of walks in before or after work.

If you have another full-time job, you might be able to find a dog walking position that fits your own schedule.

All you’ll need to do is bring some water and poop bags along with your phone charger since most of the time you’re on foot.

21. Animal Groomer

If you like taking care of animals, but pet sitting or dog walking isn’t for you, there’s still a side hustle for moms to make money fast – grooming pets!

This takes moderate skills, but plenty of people are looking for people to come to their house and groom their pets.

It’s minimal training and investment, but I know some people who have paid a minimum of $100 to get their dog washed and dried- this side hustle idea could bring you a couple of hundred bucks a day!

22. Daycare Director

Are you a mom who wants a way to earn money, but don’t want to leave your baby for too long? Some single moms spend so much money on childcare when they’re trying to work a traditional 9-5 job.

Daycare directors are people who make sure children are taken care of. You can join a daycare already or even create one in your own home.

You can work at a daycare, and spend time with your baby all day! Plus being at daycare helps your own kids socialize, so it’s a win-win.

23. Teach Kids (In Person!)

If you’re a great teacher or have experience working with kids, consider teaching a group of students in your spare time.

We’ve talked about tutoring already, but if you enjoy more hands-on teaching, you can take up a tutoring side hustle that isn’t online.

People will hire you to teach classes that may focus on one subject area like math, science, computers, art, language skills, etc.

24. Seamstress or Tailor

If you have an eye for detail, are good with your hands, and are looking to make some money on the side, turn it into a side hustle!

You can find plenty of people who need help hemming pants or sewing quilts.

All you really need is a machine to get started. Some people even prefer teaching themselves using YouTube tutorials.

25. Quilter

If you’re an expert at sewing, consider charging for quilt creations to sell online or in person.

It’s surprisingly easy to find inspiration and patterns to create your own one-of-a-kind designs!

One of my aunts actually creates memorial quilts out of t-shirts, so I know for a fact this side hustle can make you money as well as be a very meaningful job.

26. Personal Stylist

Do you have an eye for what looks good?

If your friends always come to you when they need help picking out outfits, consider charging them!

You can make money by helping people pick out clothes that flatter their body type.

27. Hair Dresser or Stylist

I, for the life of me, can’t do my own hair. Straightening it or a basic braid is no problem, but the rest is impossible.

Being a hairdresser is a great side hustle to help a lot of people. It isn’t just trimming hair, but styling it to make people feel good about themselves!

Plus, hairstyles for weddings, proms, or other formal events are a way to make money on the side.

Hairstylists can give clients a new look, and new confidence with some hair dye and sharp scissors, and a good personality will keep them coming back for more.

Local Driving Side Hustles

Do you want the best driving apps to make money? Let’s check out our best picks of side hustles that put your car to good use!

28. Driver- Make Deliveries or Chauffer People

If 2020 has taught us anything, we rely on drivers to bring us our food and groceries!

Driving can be a very profitable side hustle, which has so much flexibility for moms!

Postmates and DoorDash have changed the world of food delivery, and you can easily get in on the money-making!

There are other companies too, like Uber and Lyft, where you can deliver food or drive people around, so you have some flexible opportunities. 

The companies allow people to make money by picking up orders from restaurants and delivering them to customers.

29. Grocery Shopper

As a busy mom, I can’t tell you how important it is to have a grocery delivery service for hectic weeks!!

Instacart is another great side hustle that’s popular with moms. The company lets people sign up to shop for groceries in their area and deliver them to customers.

As a shopper, you can choose your own schedule and it doesn’t require any sort of qualifications! The company does background checks on all applicants before hiring them, but they’re very quick and easy.

30. Personal Shopper

If you like fashion and helping people find new styles, this side hustle is for you.

It’s a great opportunity to make extra money while working from home! You can get paid to go shopping in your area and purchase items that clients need help choosing.

31. House Cleaner

If you’re looking for a flexible way to make some cash on the side, consider working as a house cleaner.

Everyone needs help around the house at some point, and I know for a fact that other moms need help at times!

Since you’re able to work your own hours and set your own rates, this can be a very lucrative side hustle that can still provide you with a good work-life balance.

32. Professional Organizer

Customers will pay you to come into their home and turn it into a more organized space. I’ve even seen TikTok videos go viral because people find organized pantries so satisfying!

It’s not just about cleaning up messes but also finding solutions to making the whole house run more smoothly.

33. Personal Chef

Cooking is a popular side hustle for moms looking to earn some extra cash. They provide the food and the equipment, you just show up and wipe them up a feast!

What better way to make money on the side than cooking for people at their own home?

34. Caterer

If you’re really good at cooking and find it enjoyable, consider becoming a caterer for weddings and other events.

You can usually sign up to work with local event planners or catering companies that are looking to hire part-time staff.

35. Party Planner

If you have a knack for planning parties, then this is another great side hustle that can be done from home. You’ll get paid to help people plan their special occasions!

36. Real Estate Agent

Even if you don’t have much experience in real estate, there are still ways to make money in this field. You can work for a local agency or do your own thing by selling houses on the side.

Make Some Side Cash

37. Shop And Get Paid

Ibotta

People can make money by taking photos of grocery receipts and uploading them to this app.

Ibotta lets users earn cash-back rewards on groceries they buy in stores across the country. You won’t get rich, but you can earn some extra spare cash for things like date nights out!

Rakuten

Rakuten is an app that pays users to buy stuff online. It’s a great opportunity for busy moms who don’t have much free time but still want to make some extra cash.

You can earn money by making purchases on Rakuten, or referring friends and family to do the same!

38. Take Online Surveys

If you’re looking to make a little extra money, surveys are easy side hustles to make money on your own time and make a few bucks per hour.

Many survey sites also let you play games, earn points shopping online, and more- but the best part? You can get paid instantly!

Survey Junkie

Survey Junkie is a popular way for moms to earn some extra money on the side. Users complete online surveys that pay anywhere from $1 – $150, and most take less than 5 minutes!

InboxDollars

Another survey and gaming option is InboxDollars. You can participate in daily surveys and trivia to earn cash, or complete offers (like trying new products) to receive more money!

Swagbucks

Swagbucks is another popular survey site that we’ve been using for years to make a few extra bucks here and there. The best part about this side hustle is that there are tons of ways of making money, including redeeming your Swagbucks for gift cards!

MyPoints

MyPoints is a lot like Swagbucks, but it’s even more versatile. You can earn points by taking surveys or surfing the web through the app. Then you trade your points for gift cards or other items.

39. Watch Videos

You can also watch videos to make money on apps like InboxDollars and Swagbucks.

Sometimes it’s ads or movie previews/trailers, but you already watch those on YouTube so why not get paid for doing it elsewhere?

40. Run Errands

Moms who don’t want to break the bank on babysitting can make some extra cash by running errands for people. You’ll get paid to pick up and drop off household items (or even medicine and prescriptions) at local pharmacies or grocery stores.

41. Market Research

You don’t need to have a Ph.D. in marketing to make money online by taking surveys. There are tons of companies that want your opinion on products and services, and they’ll even pay you for it.

42. Clinical Trials

You can earn money by taking part in drug tests and research projects. Most are only a few hours of your time, and you can make $100+ for your time!

43. Product Testing

Moms can get paid to test out new products for big companies and give feedback on them.

You’ll be asked to try items like makeup, soaps, and other skincare items before they hit the market.

You can even score free baby gear and give it a whirl!

44. Car Billboard

Love driving? Then this is the perfect side hustle for you!

Companies like Wrapify are always looking for people to advertise their products by placing banners on their cars.

You can get paid hundreds of dollars a month with car ads!

45. Exercise

There are tons of weight loss apps that will pay moms to exercise and stay in shape.

It’s not always your priority as stay-at-home mom, but it’s a great way to keep you and the kiddos active plus bring in money while you do it.

You can join sites like HealthyWager to bet on your own weight loss, which I found very motivating to get rid of my love handles over the summer.

You’ll get paid according to the amount you lose, so it’s an awesome way to make some money while getting healthy at the same time!

46. Declutter Your Life 

Do you have a knack for finding things that other people don’t need anymore?

Sell these items on Decluttr! They mostly take electronics, but you can surprisingly sell other things too.

You can sell your unused stuff, clear up space in your house, and earn some cash while you clean up your life.

Just visit the site, pop in what you want to sell, and get a quote on your items. Then send them away for fast cash.

47. Rent Out Your House Or Your Closets

Millions of travelers are looking for places to stay through Airbnb.

If you have an extra room in your house, renting out your space is a great way to make some money.

You can also skip having guests stay over and just rent out storage space to people using Neighbor Storage.

48. Rent Out Your Car

Car owners can make extra money by listing their vehicles on Turo. This is a great way to make some extra cash for moms who don’t use their vehicles often.

49. Rent Out Your RV

If you have an RV that your family doesn’t use often, renting it out is a great way to put it to use and earn extra money rather than wasting it!

Sometimes people spend $40,000 or more on an RV, but only take it out a few weeks of the year- that’s thousands of dollars sitting around doing nothing!

There are tons of people looking for RVs to rent on RVShare, and each year you could be earning that $40,000 back into your pocket.

50. Rent Out Kids Toys Or Equipment

If you don’t want to sell your kids’ old toys, consider renting them out using the Toy Library.

This is a great way for moms who are looking to make some extra cash by finding new homes for their kids’ old things.

Key Takeaways

Do you know how valuable your skills as a mom are? You could be making a 6 figure salary every year if you monetized your motherly jobs!

Single moms already hard at work or stay-at-home moms looking to make extra money can benefit from one of these side hustles.

Taking care of the house, the kids, and whatever else life throws at you has prepared you to be a hard worker for any of these jobs!

So take these side hustle ideas, and go make that extra money, Mama!

It’s no secret that everyone loves getting cash back and rewards on their purchases. But, it can be hard to know which cash back apps offer the best deals. 

With so many different cash back apps and programs out there, it can be tough to figure out which one is the best money-making app for you.

With over a decade of trying and personally using cash back apps for groceries, we want to help you also save more and spend less!

And if you’re not using the right rewards apps, you could be leaving free money on the table. 

Whether you’re looking for the best cash back apps for groceries or one that offers travel rewards, we’ve got you covered with 23 cashback apps.

Quick Picks For Fast Cash

Looking for a TL;DR for the best cash back apps?

Here is a quick rundown of my top app picks for making money with everyday spending:

Best Cash Back App – KashKick 
Easiest Savings App To Use – Capital One Shopping
Most Bonus Cash For Signing Up – Swagbucks
High Paying Survey App – Survey Junkie

Cash Back Apps

These are some of the best cash back apps that make saving money fun with this side hustle idea.

Many free apps are available to help you earn money back when shopping in-store with most major retailers!

1. KashKick

KashKick is an easy and fast way to get cash back online, and has quickly become one of my top favorites to save money and get cash back.

You can simply see what deals they have available on the latest iPhone, investment apps, or even subscription services like Netflix or Hulu.

They have new offerings all the time, and it’s worth checking out to see what you can save or get cash back on.

When you make a purchase, you can earn anywhere from $0.50 – $50 back on your spending!

You can get your cash back paid out in free gift cards or PayPal. Plus, you can earn more money by answering survey questions and watching videos online.

Read my KashKick Review to find out more about the deals on the app, and see how much cash back you can earn.

2. Capital One Shopping

Capital One Shopping is another app that tries to help you save money on the products you love.

Users can earn Shopping Rewards, up to 5% on qualifying purchases with an easy-to-install coupon app and browser extension.

Besides rewards you can use for gift cards, Capital One Shopping will let you know if coupons are available or a better price for the product at another store.

So you save money and make money back as much as possible! Plus, their chrome extension is super easy to use. 

3. Honey

Honey is one of the most popular cash back apps you can use for shopping

It’s a free app for your phone plus a browser extension that automatically hunts for coupon codes, promo codes, and discounts when you shop online.

Honey will automatically search for the best coupon codes and discounts available and apply them at checkout. You’ll save money on every purchase, and there’s no need to clip coupons or search for deals.

For example, I recently got some new sneakers for our daughters, and I’m sure you know kids clothes and shoes can be expensive despite being so small!

I had $78.25 in the cart at JCPenny, and was able to get a 30% off coupon without looking around online; though other stores like OshKosh B’gosh earn Honey Gold points if you prefer their store.

Honey finds coupons faster than any other site or app because it has access to a database of more than 100,000 codes.

You can even use the Honey browser to get cash-back on purchases from retailers like Amazon, Walmart, Target, eBay, and more!

4. Rakuten

Rakuten is one of the original cash back apps. It was formally known as eBates and is one of the best options for finding deals and earning cash-back on your purchases.

This was actually the first cash back app I used, and once you start saving, you can’t turn back!

You can search for specific items or browse by category.

Plus, the browser plugin automatically locates and applies coupons and cash-back offers when you shop through Rakuten. It can save you a lot of money on your purchases.

Rakuten pays your cash back to you in two ways by Big Fat Check or by PayPal payment.

The payments are sent to you every three months on the payment schedule Rakuten has set up.

5. Ibotta

Ibotta is a rebate app that offers cash-back on everyday purchases, like grocery shopping.

This user-friendly app is available as a website plus on iOS and Android devices, it’s completely free to use, and no credit card is needed!

Ibotta is one of those receipt apps where you simply take a picture of your receipt.

I go shopping for our groceries, scan the receipt, and get cash back for our bread, milk, and some chips regularly.

Our cashback is sometimes just a few cents, but for the holidays, I could easily earn $5 back on a receipt!

Looking for a way to earn some extra cash with Ibotta?

They offer free money with a $5 cash-back offer to sign up, and you can also refer friends and family to the app and earn a referral bonus.

6. Tada

Tada is another great cash back app that could get you more money in the bank.

It partners with over 3,000 online retailers to bring you cashback and savings all over the internet and at your favorite stores.

You can shop online, sign up for special sign-up offers, and print out coupons.

Like Capital One Shopping, you can also get the Tada browser extension and have it automatically look for savings.

You rack up points of cashback and redeem them for gift cards or PayPal cash, similar to other cashback sites.

7. ShopKick

ShopKick is a popular cash-back app available for both Android and iOS devices.

The Shopkick app works by awarding you points (“kicks”) for online shopping, visiting stores, scanning items, and making purchases that can be redeemed for free gift cards or cash.

You can also earn referral kicks for referring your friends. If your friends sign up and earn 10 kicks within 7 days of receiving the code, you will get 250 kicks.

Another way Shopkick allows users to earn is by watching videos.

The videos are usually short commercials or product reviews. I’ve found that it’s an effortless way to earn points, and the videos are usually pretty entertaining.

8. TopCashBack

Another app that offers cash back on your purchases is TopCashBack. It’s free to set up an account, and you can earn cash back on your purchases from various retailers.

You can withdraw your cash back from your account once TopCashBack is paid the commission from the retailer.

It’s easy to withdraw cash back from your account. Once the funds are available in your account, you can withdraw them to your bank account, PayPal account, or to a gift card.

9. Fetch Rewards

The Fetch Rewards app is another great cash back apps because you can make money from your phone! It’s available for Android and iOS devices, and it’s very easy to use.

Just purchase your items and then scan your receipts to earn rewards. You don’t have to pick a store or choose an item before buying it- just scan your receipt and Fetch Rewards app does the leg work.

Fetch Rewards also offers a referral program. If you refer a friend who downloads the app and earns 10 points within 7 days of signing up, you will earn 100 points.

10. Upside App

Upside is a free app where you can find cash back offers for gas stations, grocery stores, restaurants, and more.

Just select the offer you want, purchase the product, and upload your receipt to earn cash back that is then added to your account.

We especially love this app because it helps us save money on gas, which really helps since gas prices are soaring!

We use it to not only check for savings, but to see what gas stations are charging around us so that we can pick the best spots.

Frequently, we have a Fastrac by our house that we can fill up at and save $2 – $3 per trip. Every bit counts, folks!

You can find out more about the app with my Upside Review.

11. Acorns Earn

Now I know what you are thinking! Acorns?

Don’t we usually talk about earning a passive income with this micro-investing app? You got that right, but Acorns is a surprising app with so much to offer.

Acorns Earn is a part of the Acorns investment app that lets you earn money when you shop or look for work.

When you make more money, you can save and invest more; therefore, Acorns Earn increases your profits.

So when I pick up Starbucks for me and the girls before school, it’ll round up our order from $19.87 to $20, and Acorns will automatically use that $0.13 in our investments.

They have partnered with retailers and brands to give you cash back when you shop using the Acorns Earn extension on your computer, or the Acorns Earn tab on the Acorns app on your smartphone.

Acorns will deposit the cash you earn from shopping into your investment account instead of sending you a check or depositing money to your PayPal.

12. Dosh

Dosh is a rebate app only available in the U.S. and is excellent for those who want to get cash back on their purchases without doing any extra work.

When you shop at one of their affiliated merchants using a linked credit or debit card, you can automatically earn cash. Dosh will pay you back up to 10% of your purchase.

All you have to do is sign up and then shop as usual. You don’t have to select any offers or scan receipts to earn money.

You must have $25 in your Dosh account to cash out your balance. This funding limit is higher than that of other apps. You can get your money via Venmo, PayPal, or direct deposit once you reach that threshold.

13. ReceiptHog

Receipt Hog is another excellent option. You can earn cash back on your purchases from a variety of retailers.

You can withdraw your cash-back from your account once Receipt Hog has paid the commission from the retailer.

It’s easy to withdraw cash-back from your account.

Once you have reached the minimum withdrawal amount (which varies depending on your country), you can request a PayPal payment, a bank transfer, or an Amazon gift card.

14. Drop

The Drop app premise is simple: link up your credit or debit cards and earn rewards points for every dollar you spend money at one of Drop’s partner merchants.

Your points can be redeemed for gift cards, statement credits, or donations to charity.

One of the best things about Drop is that you can earn Drop points even when you’re not doing everyday spending or regular shopping.

The app pays out 5 points per $1 spent on dining out, for example, so you can rack up rewards just by eating at your favorite restaurants.

You can also earn points from playing games and taking surveys- if you want to know more, read my Drop App Review.

15. RetailMeNot

RetailMeNot is one of the best cash-back apps available. It allows users to receive cash-back on their purchases from various stores.

It offers users a percentage of their purchase price back in the form of cash back.

The app has a huge database of retail partners, so there’s a good chance that your favorite store will be included, so you can earn cash-back on your online purchases no matter where you are.

RetailMeNot is not as flexible with its payouts as the other cash back apps are.

The cash back you earn is not available for 45 days after the purchase. Once RetailMeNot approves the cash back, they can be redeemed with Venmo or PayPal.

16. Freebird

The Freebird app is a great way to save money on your nights out. You can get cash back on Uber and Lyft rides, as well as discounts at restaurants and bars.

If you use the Uber app to get rides to certain bars and restaurants, as well as to and from work or school, use Freebird- you’ll receive money back on your trip.

Simply connect the card you use on the app with the Freebird. Then using the Freebird app, reserve a ride and get money back as a bonus.

To cash out on Freebird, you’ll need to have a verified U.S. debit card. Once you’ve earned 5,000 points, you can trade them in for a $10 cash payment.

17. Coupons.com

Coupons.com is a free couponing website and app available in the Apple Store and Google Play Store.

It offers additional ways to save on groceries and everyday essentials by linking your store loyalty card and redeeming digital coupons.

Look for offers you want and select offer; purchase product in the offer. If the store you are shopping with has a loyalty card, apply the coupon when you check out.

If the store does not have a loyalty card, take a photo of the receipt when you get home and scan the bar code if asked.

Once Coupons.com verifies the purchase, they will deposit cash on your PayPal account.

18. Upromise

Upromise is a unique cash back site in that it has a mission to help users pay for college. It partners with various stores, restaurants, and other merchants to bring you rebates on your shopping.

You can contribute your money to a college fund or a 529 plan, pay down your student loans, or put it toward your child’s education if you have enough in your Upromise account.

You may also choose to cash in your funds as a check and deposit them into your bank account.

Upromise’s unique selling point is that it provides more than cash back. You may use your rewards to pay for college-related expenses as well.

Survey Apps With Cash Back

Want ways to get cash back that aren’t just from shopping at brick-and-mortar stores?

Apps and stores that do cash back are great, but there are money-making apps that pay cash back too.

Using the best survey sites can be a great way to make some extra money.

Several survey apps offer cash back for completing surveys. They can be done in your spare time, and you don’t have to pay anything to join them.

The best part about surveys is that they come from all sorts of different companies, so there’s always something new for you to do!

19. Swagbucks

Swagbucks is one of the most popular cash-back apps. It is a great way to earn some extra cash, and if you use this referral code, you’ll get an extra $5 for free!

You can earn points (known as Swagbucks or SBs) for doing everyday online tasks, like completing surveys, shopping online, playing games,and using their search engine to browse the web.

Once you have earned $3 in SBs (300 points), you can cash out to PayPal or gift cards. You can choose from a range of different retailers, including Amazon, Walmart, and Target.

If you’re not a member already, become one today! New users get a $5 sign-up bonus, and if you refer friends and family, you can also earn extra points towards free cash and gift cards.

20. InboxDollars

InboxDollars is an online rewards club where members earn cash for the everyday things they do online.

It’s free to join! But that’s not all!

Every day, InboxDollars awards new members a $5 sign-up bonus.

There are many ways to earn points with this rewards app, including reading emails, taking surveys, doing a daily to-do list, cash offers, scratch and win, watching videos, and redeeming coupons.

You can also earn rewards by referring friends and family members.

To cash out with InboxDollars, you must first reach the minimum payout of $15. You can choose to receive your payment via PayPal, an eGiftCard, or a prepaid Visa.

21. Survey Junkie

If you’re looking for an excellent survey company to join, Survey Junkie is one of the most popular survey companies around.

They have an extensive database of surveys, payout quickly, and have a great rewards program.

It’s a free account where you can start making money now. You can redeem your points for cash, gift cards, or other prizes.

Want to learn more about Survey Junkie? Check out my Survey Junkie Review!

22. MyPoints

Another excellent cash-back app to earn cash rewards for things you’re already doing is MyPoints. You may also earn bonus points by referring friends to the program.

You can earn points for completing surveys, watching videos, and shopping online.

Points can be redeemed for various rewards, including gift cards, cash, and travel miles. The minimum redemption amount is $10.

23. Branded Surveys

Branded Surveys connects you with a wide range of surveys tailored to your interests and preferences. Simply share your thoughts and experiences, and watch your balance grow.

It’s one of the easiest and most reliable ways to earn cash and rewards.

So, if you’re on a mission to earn more money, don’t miss out on Branded Surveys.

It’s a must-try cash-back app that puts cash in your pocket for simply sharing your insights.

How To Maximize Your Cash Back Rewards

Now that you know all about the best cash-back apps available, it’s time to start maximizing your rewards with this side hustle.

Here are a few tips:

Make sure you’re signed up for all of the apps you want to use to start earning money from cash back and rewards.
Be sure to confirm emails. You don’t want to miss out on free money!
Stack your cash rewards with multiple apps to earn more money on your everyday shopping.
Use a rewards credit card on your everyday purchases to earn credit card rewards on top of your gift cards.
Shop at participating stores to make eligible purchases.
Be patient. You won’t make money fast from rewards apps for spending money.

Want more personal finance tips? Be sure to read some of my great articles on saving money, including Frugal Living Tips and Save On Groceries.

Final Thoughts

Many different cashback sites are available to people who want to make the most of their shopping and get more out of their spending habits.

By using various apps, you can maximize your rewards and get cash back for the things you were going to buy anyway!

To maximize your cash back rewards, make sure you’re signed up for all the apps you want to use and make eligible purchases.

It doesn’t hurt to get rewards from KashKick and Capital One Shopping, plus earn more cash by signing up with Survey Junkie.

The main thing is to be patient. It can take a while for some of these companies to send out their rewards, but if you stick with it, in time, they will come.

So what are you waiting for? Start downloading these cash back apps today and start earning!

Are you feeling the weight of credit card debt or lack of savings and searching for a smarter way to manage your finances?

Enter Bright Money, a revolutionary tool that’s been the subject of much buzz in the world of personal finance management.

With the question of “Is Bright Money legit?” on many people’s minds, I’m here to provide you with an honest look at how it stands out in helping users manage their money more effectively.

In this Bright Money Review, I’ll dive deep into how this platform can be the partner you need to make better financial decisions.

Key Takeaways

Bright Money leverages AI and its slick MoneyScience™ to tailor financial strategies for crushing credit card debt, boosting credit scores, and growing savings.
Bright says that, on average, users save a substantial $744 each year on interest charges alone.
Bright Money brings you the Bright Builder and Bright Plan features to tackle debt and encourage savings without breaking the bank.
Trustpilot reviewers give Bright Money a big thumbs up, proving it’s a legit player in the financial game.

Bright Money Review

Bright Money is an app that uses AI (Artificial Intelligence) to analyze your spending habits. It examines your bank account to determine how you’re spending your hard-earned cash.

The goal is to help you get out of debt, especially that pesky credit card debt that’s been hanging over your head.

It analyzes your payment history and credit card payments to devise a customized Bright plan to improve your credit report. There is no cookie-cutter advice here!

The cool part? It automatically moves funds from your checking account to make those credit card payments for you.

So, if you’ve been feeling overwhelmed by debt and wish your credit scores were looking up, Bright Money might just be what you need.

Main Features

Bright Money is all about simplifying your finances. Its key features offer a complete solution for managing your money effectively:

Automated Financial Planning: Bright Money uses AI to analyze your income, expenses, spending habits, credit card balances, and interest rates to suggest debt payment amounts.
Customized Payment Methods: The app primarily recommends the debt avalanche method for paying off credit card debts), but you can also choose other methods to pay debt off.
Smart Pace Transfers: Bright Money has a feature called Smart Pace, which monitors your checking account and transfers money to a “Bright Stash” account for debt payments.
Personalized Savings Goals: Bright Money allows you to set your own savings goals, such as opening a savings account, and moves funds weekly to help you save more regularly.
User Control and Flexibility: Users can control their financial strategies, including adjusting monthly payment amounts toward debts and savings.
Security Measures: Bright Money prioritizes user security by utilizing Plaid; savings accounts with Bright Money are FDIC-insured up to $250,000.

Platform Cost

Bright Money offers flexible membership plans to suit your needs. It begins with a complimentary 10-day trial period, during which you can explore its features risk-free.

After the trial, you can choose from three affordable membership options for your Bright account:

Yearly Plan: $6.99 per month (billed annually)
6-Month Plan: $8.99 per month (billed every six months)
Monthly Plan: $14.99 per month (billed monthly)

Plus, if for any reason you’re not completely satisfied, Bright offers a money-back guarantee.

Bright Builder

One of Bright Money’s key features is Bright Builder. With Bright Builder, you get a secured line of credit that helps you improve your credit score.

With Bright Builder, you can start small with just a $50 security deposit. Yep, you heard that right- only $50 to get started and no pesky high-interest debt to worry about.

Once you’ve got your deposit in place, you’ll unlock access to a secured loan, starting at as little as $50.

Use that credit however you need- whether it’s for a little extra cash flow, to cover unexpected expenses, or to put in a savings account or an emergency fund.

Then, just make sure to pay back the minimum amount each month. Every time you make those payments, Bright Builder reports it to the credit bureaus.

That means you’re actively building up your payment history and credit score.

Bright Plan

The Bright Plan from Bright Money is like having a financial wizard by your side, helping you manage your money smarter.

It’s driven by AI and is designed to tackle your financial goals head-on, whether it’s paying off those nagging credit card balances or getting a grip on your debt.

What’s cool about the Bright Plan is that it looks at your checking account, considers your unique spending habits, and crafts a personalized roadmap for you.

It breaks down your financial goals step by step, from dealing with that pesky credit card debt to building up your savings.

And the best part? It can handle all your payments automatically, so you can set it and forget it.

With the Bright Plan on your side, you could wave goodbye to debt much faster than going it alone. It’s like having a supercharged credit card payoff strategy right in your pocket.

Bright Credit

Bright Credit is a financial lifeline offered by Bright Money. It operates as a revolving line of credit.

One key feature of Bright Credit is its ability to offer users a lower interest rate than traditional credit cards. Even better, there are no extra fees, like late fees.

Users can consolidate their credit card debt into one manageable monthly payment. Consolidating credit card bills makes it easier for users to stay on top of their finances and see credit score improvement.

This can give the user significant savings on interest charges over time, making it a valuable option for those looking to pay off their debt faster and more affordably.

Applying for Bright Credit is straightforward. Upon approval, users gain access to their approved credit limit, which they can use to refinance their existing credit card debt.

Your Bright Credit repayment time depends on two things: the credit limit you’re approved for and the smallest amount you have to pay each month.

Once you’re approved, just check the app for these details. You must make at least a minimum monthly payment.

However, if you want to pay off your loan quicker, you can make more than that minimum.

Trustpilot User Reviews

While Bright Money offers promising features, what do users actually think about the platform?

On Trustpilot, Bright Money has an average rating of 4.7 stars based on 4,953 reviews. Many users praise the platform for its top-notch service and verified status.

Mike gave 4 stars and said “Contacted for support via message with Antonio, excellent communication and responded fast and clear!

Although, for those looking for a fast builder, this has not been it. Keep in mind this game is for the long run to help build credit…”

Jasmine’s rating was 5 stars. She said, “Yesterday I reached out to chat due to accidentally paying for a year membership. I was immediately connected with Selena- she was amazing and helped me quickly.”

Bright Money Competitors

While Bright Money offers a comprehensive financial management solution, it’s always good to consider alternatives.

Let’s take a look at two of them:

Savology

Savology is a financial management app that is all about making financial planning easy and accessible for everyone.

It’s really for the regular Joe or Jane who wants to organize their finances but might feel overwhelmed by the complexity of traditional financial planning.

Whether you’re starting your first financial plan or looking for a second opinion on your current one, Savology has you covered.

With Savology, you can have a comprehensive financial plan and a clear path forward, all tailored to your specific needs and goals, in just a few minutes.

Tally

Tally focuses on credit card debt payoff. It uses a line of credit to pay off your high-interest credit cards first, allowing you to manage your debts more effectively.

Tally’s credit line, unlike traditional personal loans, doesn’t lock you into a set repayment period. Instead, it offers flexibility by allowing you to access funds repeatedly over time to manage your debt.

While Tally offers a more focused approach to credit card debt, it does not provide the wide range of financial management features that Bright Money does.

Tally’s services are more targeted towards debt management, whereas Bright Money offers a broader range of services, including credit score monitoring and personalized financial plans.

Bright Money FAQ

Is Bright Money a legit company?  

It’s a common question to wonder “Is Bright Money legit?” and is it the financial management app for them?

Bright Money is indeed a legitimate fintech company that uses artificial intelligence to provide users with personalized financial planning services.

It was established in 2019 by a team including Avi Patchava, Petko Plachkov, and Varun Modi.

This founding team brought together an impressive 80 years of experience in the realms of data science, machine learning, and big data systems.

Bright Money is highly rated on platforms like Trustpilot, Google Play, and the App Store. Users praise it for helping reduce their debt, its simplicity, and effective customer support.

Who can use Bright Money?  

Bright Money is for anyone who wants to set financial goals to manage finances better, whether it’s paying off debt, enhancing credit scores, or building savings.

Its smart system personalizes a financial plan for each user, making it versatile for various financial needs.

It’s particularly helpful for those seeking an automated solution to simplify and accelerate their financial management process.

However, it’s important to note that Bright Money is currently only available for users with a checking account in the United States.

How much does Bright Money cost?  

Bright Money has affordable pricing plans that cost less than $10 a month.

There are three membership plans: $6.99 per month (paid annually), $8.99 per month (paid semi-annually), or $14.99 per month (paid monthly).

How does Bright Money work exactly?

Bright simplifies money management with three main features: personalized financial goals, automated savings and debt payments, and tools for building credit.

Custom Plans Just for You: Bright figures out what you need and creates a financial plan to help you build savings, pay off debt, and improve your credit score.
Saving and Paying Off Debt Without the Hassle: Bright will transfer funds from your checking account to save for your goals and pay off any debts.
Boost Your Credit Score: Bright can also help raise your credit score by using a small line of credit wisely and making sure it’s paid off on time.

Does Bright Money give you a line of credit?  

Yes. Bright Money does offer a product called Bright Credit. It is a revolving line of credit designed to help users refinance high-interest credit card debt.

Credit Limits: Offers $500 to $8,000, adaptable to various financial needs
APR Range: Variable rates between 9% to 29.99%, depending on individual circumstances
Fee Structure: No fees for application, origination, late fees, or prepayments
Minimum Payments: Requires minimum payments each month
Credit Check: Initiates a soft pull that doesn’t impact credit; no minimum credit score necessary
Multi-Card Refinancing: Enables paying down debts across multiple credit cards
Card Usage Post-Payoff: Allows continued use of credit cards after they’ve been paid off

Can Bright Money affect my credit score?  

Yes! Bright Money can have an impact on your credit score, but in the most positive way imaginable!

Bright Money can boost your credit score by helping you strategize paying off debts and making on-time payments, plus budgeting your money to pay more down.

Are there Bright Money competitors I can check out?  

Yes, there are alternative financial management tools and services you can consider. Two notable competitors of Bright Money are Savology and Tally.

Savology offers tools to monitor credit scores, use budgeting tools, handle debt, and track net worth, as well as support from financial professionals.

On the other hand, Tally focuses on credit card debt payoff and automating debt repayment to save users on interest payments.

While both these platforms offer valuable services, it’s worth noting that Bright Money provides a wider range of features that go beyond just credit card debt.

Final Thoughts

Bright Money is a comprehensive financial management platform that uses AI technology to help users manage their finances.

It’s designed to help people pay off credit card debts, improve their credit scores, and save money through personalized financial plans and automated payments.

While it has its fair share of competitors, Bright Money stands out with its wide range of features and user-friendly interface.

Whether you’re struggling with credit card debt or simply want to take control of your finances, Bright Money could be the financial assistance you’ve been looking for.

Are you looking for apps like Dave that can give you a quick cash boost? You’ve landed in the right place!

Going beyond money-making apps, there are businesses that help you get cash quickly without working or answering surveys. 

These nifty apps like Dave come with a range of features designed to help you, from allowing you to access your paycheck before payday to providing no-fee overdraft protection.

It’s all about giving you flexible financial options that fit right into your life without adding any extra stress or complexity.

Key Takeaways

Cash advance apps like Dave offer financial flexibility, providing features like paycheck advances, no-fee overdraft protections, and financial management tools.
Each app has unique offerings such as early paycheck access, no membership fee, no credit checks, the ability to build credit, and various fees or tips associated with money borrowed.
Use Chime to grow a strong savings account or get a cash advance when you need it!
While convenient, cash advance apps should be used responsibly, considering factors like eligibility, repayment terms, potential monthly fees, and privacy/security measures.

Dave App Recap

The Dave App can help you with up to $500 in cash advances to individuals facing irregular income streams.

Unlike traditional payday loans, Dave stands out by providing advances without burdensome interest rates, credit checks, or late fees. Thus, it is an ideal choice for short-term financial relief.

For a minimal membership fee of $1 monthly fee, users gain access to the ExtraCash feature, allowing for immediate financial assistance to cover essentials like rent, bills, or groceries.

Additionally, for those who need the money now, Dave offers an express funding option- ranging from $3 to $25- funds can be received in as little as an hour.

So, with that in mind, let’s compare other cash advance apps to Dave!

Apps Like Dave

1. Chime

Advance Amount – $20 to $200
Credit Check: No
Processing Time – Same day
Repayment Date – Next direct deposit or transfer of funds

Chime is a financial technology company that offers FDIC-insured banking services online without traditional bank branches.

It partners with Bancorp Bank and Stride Bank and charges no monthly maintenance fees, minimum balance fees, or foreign transaction fees.

Chime has a feature where its users can get up to $200 on debit transactions without overdraft fees through its SpotMe program, which acts more like a line of credit than a cash advance.

The limits start at $20 and can increase to $200 based on your account history.

If you spend over your bank account balance, Chime covers it with SpotMe, deducting the amount from your next deposit to seamlessly manage repayments.

See why Chime is great as a high-yield savings account and more in my Chime Review.

Requirements for a Chime SpotMe Account:

Connect your bank account to Chime
A qualifying direct deposit of at least $200 in the last 34 days
Users must have an activated Chime Visa Debit Card

2. Albert

Advance Amount – Up to $250
Credit Check: No
Processing Time – 2 to 3 days
Repayment Date – Next payday

Another one of the popular apps like Dave is Albert.

Albert is a financial technology company that offers banking services through its partnership with Sutton Bank, which is an FDIC-insured financial institution.

Even though Albert mainly offers banking and financial services, it does offer small cash advances up to $250. This interest-free advance can help cover expenses until the next paycheck arrives.

What I like about Albert is that you can get up to three cash advances per pay period, as long as they don’t exceed $250.

Check out my full Albert App Review to learn more about its other helpful money management features.

Requirements for an Albert Cash Advance:

Consistent income for the 2 months from the same employer
An active bank account with a positive balance and direct deposit for 2 months
Connect the active bank account to Albert

3. Cash App

Advance Amount – Up to $200
Credit Check – No
Processing Time – Once approved – instantly
Repayment Date – Set due dates per month

Cash App Borrow is similar in concept but only as widely available to some users as Dave’s cash advance app.

Cash App Borrow allows eligible users to borrow money (the amount can vary, with a potential maximum of up to $200) directly from Cash App.

There’s a flat fee for borrowing, which is disclosed upfront, making it straightforward to understand the cost of the loan. Then, you pay it back as you would credit card debt.

See what else you can do with the app with my honest Cash App Review.

Requirements for Cash App Borrow:

Active Cash App account
Regular deposits into the Cash App account
History of receiving income through Cash App

4. Brigit

Advance Amount – Up to $250 
Credit Check – No
Processing Time – 1 to 3 days; Pay for instant access
Repayment Date – Next payday

Brigit is an app that offers cash advances without a credit check or late fees, deep insights into spending habits, and budgeting tools to help you keep track of bills before they arrive.

If you’re looking to boost your credit history, Brigit offers secured personal loans.

There’s more! Brigit’s cash advance feature is only part of what they offer. They offer a free plan with tools to help you monitor your spending.

But if you want better features and help managing money, you should get the Plus membership, which has a low monthly subscription fee of $9.99.

You’ll get Instant Cash, avoid annoying fees with fee-free overdrafts, and work on building your credit.

Requirements for Brigit:

Active, positive-balance checking account
Consistent direct deposits
Financial stability for repayment
$9.99 monthly fee

5. Earnin

Advance Amount – Up to $100 a day; Max $750 per pay period
Check Credit – No
Processing Time – 1 to 3 days; Minutes with Lightning Speed feature
Repayment date – Next direct deposit 

The Earnin app is a financial service tool designed to help people get an advance on their paycheck before payday arrives.

App users may want the advance to avoid an overdraft fee and late charge or handle unexpected expenses without having to resort to high-interest loans.

The Earnin app has a feature called Lightning Speed. With Lightning Speed, users can receive their cash outs within minutes.

One thing, though- using the Lightning Speed feature may incur fees, and it might only be available to some community members.​

Requirements for an Earnin account:

Employment verification (through work location tracking or timekeeping systems)
A connected checking account
Regular paycheck deposits into this account

6. Klover

Advance Amount – Up to $200
Check Credit – No
Processing Time – 1 to 3 days; Within 24 hours for a fee
Repayment Date – Automatically deducted next payday

Klover is another reliable cash advance app that gives you small cash advances on your paycheck before the official payday.

And it doesn’t stop at giving you early access to your earnings.

Klover has some great tools to help you get your budget in shape and give you the lowdown on where your cash is going.

What makes Klover stand out is its take on fees- there aren’t any late fees or interest that you have to pay.

Instead, they’re all about letting you choose to leave a tip if you want to.

Requirements for a Klover account:

A steady paycheck with direct deposit
A checking account connected to the app
Consistent pay schedule (weekly, bi-weekly, semi-monthly, or monthly)
Smartphone to download and use the Klover app

7. MoneyLion

Advance Amount – Up to $500
Check Credit – No
Processing Time – Several days; Instantly for a fee
Repayment Date – Next payday

MoneyLion is a mobile banking and financial app that gives users access to a wide variety of financial services all in one place.

It has a cash advance feature where you can access a portion of your earned wages before payday. It gives people a safety net for those unexpected expenses or when they’re a bit short on cash.

MoneyLion also offers credit builder loans specifically designed to help you build or improve your credit score. They typically do not charge interest, but instant cash may incur fees.

These loans work by lending you a small amount that is locked in a savings account until the loan is paid off.

As you make regular payments, these are reported to the credit bureaus, helping to build your credit history positively.

Requirements for a MoneyLion Cash Advance:

Active MoneyLion Checking Account
Direct deposit of a paycheck or regular income
Consistent income with regular deposits
History of deposits to verify income
MoneyLion App installed

8. Even – Now One@Work

Advance Amount – 50% of paycheck
Check Credit – No
Processing Time – Instant pickup at Walmart Money Center or 1-day transfer to a checking account
Repayment Date – Next payday

Even has now become the One@Work app. That’s right! Even and One have teamed up to become the One@Work app!

What does that mean for you? It means more opportunities to boost your financial game and live your best life.

Like the Even app, ONE@Work is an employer-sponsored app. That means your employer has to be on board with it.

You’ll want to double-check with your manager before you sign up and download the app to your phone.

Requirements for a One@Work Cash Advance:

Enroll through your employer.
Active checking account for salary deposits.
Government-issued ID for proof of identity.

9. Varo

Advance Amount – Up to $250 initially; Up to $500 as you borrow more
Check Credit – No
Processing Time – 10 minutes, but may take longer
Repayment Date – 30 days from Cash Advance date

Varo is an all-in-one banking app that gives small cash advances to help you until your next paycheck.

Varo checks your account to ensure steady paychecks. If everything checks out, you can get an advance on your pay, which is really useful for sudden expenses.

Varo doesn’t charge monthly fees to use this service, but there’s a small fee that starts at the first $20 you borrow. The fee goes up to $20 if you borrow $250 and $40 if you borrow $500.

Requirements for a Varo Account:

A Varo bank account that’s active and in good standing.
Regular direct deposits total at least $800 a month into your Varo account, showing a steady income.
Verification of your identity, usually through government-issued ID.

10. DailyPay

Advance Amount – Up to 100% of paycheck
Check Credit – No
Processing Time – Instantly or next business day
Repayment Period – None

DailyPay works with your employer to give employees early access to their pay. It is not a cash advance like the other apps like Dave.

It works with your job’s payroll, so if you have already worked a few days and need cash now, you can use DailyPay to get the money you earned early in the pay period.

After you sign up for DailyPay, they handle the deposit of your paycheck into your account for your employer.

If you take an advance, the amount that will be deposited on payday will be what is the amount leftover in your paycheck after the advance.

Requirements for a DailyPay:

Employer Participation
Employment Verification
Direct Deposit
DailyPay Account

11. Axos

Advance – Entire paycheck
Check Credit – No
Processing Time – Up to 2 days early access to payroll
Repayment Period – None

Axos Bank is a digital bank that offers a wide range of financial services without having a traditional physical bank branch network.

Axos is different from Dave or many apps like Dave that offer cash advances. It brings a twist to the cash advance scenario.

Instead of providing direct cash advance loans, Axos offers early access to all of your paycheck through Direct Deposit Express.

Once Axos is notified that your employer has sent you a payroll direct deposit for a certain day, they will front you the money early. This means you could be paid up to two days early.

Requirements for Axos:

Axos Bank Account
Direct Deposit Setup
Employer or Payer Participation

12. Revolut

Advance Amounts – Whole Paycheck
Check Credit – No
Processing Time – Access paycheck up to 2 days early
Repayment Period – None

Revolut is a digital banking app that offers a wide array of financial services directly from your phone.

The “Early Salary” feature from Revolut is a game-changer for many. It offers a much-needed boost when it comes to managing personal finances.

The convenience of getting your salary deposited directly into your Revolut account and then having the ability to access those funds up to two days early can make a big difference.

Requirements for Revolut:

Direct Deposit Setup
Employment Verification
Regular Income
Revolut Account in good standing

13. Payactiv

Advance Amt – Up to 1/2 paycheck
Check Credit – No
Processing Time – up to 2 days; Instant for fee
Repayment Period – Next payday

The PayActiv app is a financial wellness platform designed to help employees access their earned wages before payday.

The catch? Your workplace has to be on board with it since it’s something your employer needs to set up.

With Payactiv, the app keeps an eye on the hours you’ve worked and figures out how much of your paycheck you can pull out ahead of time of your pay period processing time.

You can either set it to transfer money automatically or do it when you need it.

On payday, Payactiv simply deducts the amount it has advanced from your paycheck and pays you the rest.

Requirements for a Payactiv:

Employer participation
Earned wages

14. Current Overdrive

Amount – $25 to $200
Check Credit – No
Processing Time – Immediately
Repayment Date – Within 60 days

Current Overdrive is a feature offered by the Current banking platform designed to help users manage their finances more flexibly.

Current’s Overdrive feature is a great example of modern overdraft protection.

If you have a Current account and meet certain requirements, you can spend slightly beyond your account balance without facing the usual penalties and monthly fees.

This can be a lifesaver when your budget is stretched thin, and you need to make a necessary purchase.

Requirements for Current Overdrive:

Active current account
Qualifying Direct Deposits
Account Activity

15. Possible

Amount – Up to $500
Check Credit – No
Processing Time – 1 to 2 business days
Repayment Period – Varies

Possible Finance offers a type of payday loan (credit builder loan) designed to be more accessible and less burdensome than traditional payday loans.

If you’re seeking more than just a cash advance, Possible presents a feasible alternative with a credit builder loan.

Their approach is centered around providing small, short-term credit builder loans with a repayment structure to help borrowers avoid the debt trap from regular payday loans.

Plus, and here’s a cool part: making your payments on time can actually help boost your credit score because they report to the three major credit bureaus.

Requirements for Possible:

Must be at least 18 years old
Have an external bank account in your name
Have a regular income
It isn’t available in every state

FAQs

What does the Dave app do?

The Dave app is designed as a financial lifeline for those moments when you’re tight on money and need a bit of help to get through until your next paycheck.

Its primary features focus on budgeting assistance, overdraft protection, and offering small cash advances to avoid a bank overdraft fee.

The app charges a monthly membership fee and optional fast-funding fees for quicker access to borrowed funds.

The app also partners with LevelCredit to report your rent payments to credit bureaus, potentially improving your credit scores.

What apps are like Dave?

Several other apps offer services similar to Dave.

They focus on cash advances, budgeting assistance, and financial planning to help users manage their finances better and avoid overdraft fees from their checking account.

Here are a few notable apps like Dave:

Chime
Albert
Cash App

Can I get $100 instantly from these apps?

Yes, you can potentially get $100 instantly from some of these personal finance apps.

Many let you borrow or get paycheck advances without credit checks, but the availability of instant funds and the conditions under which they are provided vary from app to app.

Are apps a safe way to borrow money?

Using most cash advance apps to borrow money can be a safe and convenient option, provided you’re using reputable and secure services.

These apps have grown in popularity as alternatives to traditional lending and banking services. 

They offer quick access to funds, budgeting tools, and even ways to avoid bank account overdraft fees.

Reputable apps use strong encryption and security protocols to protect your personal and financial information.

Final Thoughts

Cash advance apps like Dave can be a lifesaver when you’re waiting for your next pay period and need a little help to get by.

You can get paid early or get a cash advance without a credit check, but these apps go even further.

They don’t just give you a cash boost; they also have some pretty handy tools to help you keep track of your money better with a cash advance amount.

Just a heads up, though- while these apps are great for sorting out a tight spot with bank accounts here and there, they’re not the fix for ongoing money woes.

Cash advance apps are more like a quick band-aid for those times you’re in a pinch and need money fast.

So, use them wisely as a good way to avoid bad loans and huge interest rates.

We’ll walk you through the most effective strategies for getting started with this exciting new way to save money on your favorite products and services.

These methods have been used by thousands of people just like you who love saving money without ever paying for it!

A gift card sure would be nice when you’re getting a little something for yourself, rather than paying in cash. Don’t you think so?

It’s easy to be tempted and spend a lot of cash or splurge from time to time. We are only human after all!

A great way to get around these potential budget breakers is to use gift cards – and more specifically, free gift cards from companies like Amazon, Apply, and Visa. 

In this article, I will show you exactly how to get started making easy money online and earn gift cards fast from your favorite places. 

Quick Picks

Now, it’s awesome that we have so many easy ways to get free gift cards online, but we know you may be looking for the best and quickest ways to earn them.

I’ve tested hundreds of ways, and some of the best ways provided us with over $200 fast in free gift cards. 

I’ve earned free Apple gift cards, grocery money with Target gift cards, and more with these apps!

Here are my top picks for getting free gift cards:

Best Survey Site – Survey Junkie
Best For Games & More – Swagbucks
Easiest Shopping App – Capital One Shopping
Best For Saving On Groceries – Ibotta

23 Ways To Earn Free Gift Cards

1. Survey Junkie

One of our favorite survey sites is Survey Junkie because it is easy to use and it’s well-paid as online surveys go.

Not only that, but it’s really user-friendly – the site itself is well made and presented, and you are also able to complete surveys whenever is convenient for you.

In exchange for taking online surveys, you’ll get points for answering market research questions. When you have reached 1000 points, you’re able to redeem these for free gift cards (or cash).

Survey Junkie is how I get a free Amazon gift card every month with almost no effort!

Check out my full review of Survey Junkie to learn more and start earning.

2. Swagbucks: Free $10 Bonus

Swagbucks is an all-in-one money-making machine! Earn money and get free gift cards by completing surveys for market research, watching videos, and even shopping online. 

You earn points called ‘Swagbucks’ or “SBs” and you earn them when you take surveys, play games, use the free app to watch videos, shop online, and more.

The amount of SBs that you earn for each task varies depending on what you are doing exactly, and how long it will take – so generally, longer surveys will earn you more SBs.

100 Swagbucks equates to $1.00, and then you simply earn more and cash out for free Target gift cards and more.

After taking online surveys, you can redeem your SBs for free gift card codes. This allows you to obtain free Walmart gift cards and others like xBox gift options.

There are lots of great gift cards that you can get on Swagbucks once you have enough points, such as Amazon, Barnes & Noble, iTunes, and even free Home Depot gift cards.

I don’t know about you, but the PayPal cash and Amazon gift cards would come in handy!

It’ll also tell you how many points you will need to earn to get them – lookout for sales too, as they reduce the amount of SBs you need occasionally.

3. InboxDollars: $5 Sign-Up Bonus

InboxDollars is an online rewards club, where you can earn free PayPal cash and gift cards. You can take surveys, play games, shop online, sign up for offers, and read emails.

You can also get an instant sign-up bonus if you join!

When you’re on the site, look out for the purple buttons, which say things like “Earn”, “Answer” and other similar phrases, as that is showing you where you can earn money on there.

There are also headers across the top of the site, which you can click on and it will take you to that specific part.

For example with the “Surveys” tab, you can click on that and it will take you to all of the available surveys to answer, with the time it will take to complete it listed on them as well.

You’ll just be asked some questions and get paid for doing so – this is usually an easy way for companies to do some market research.

If you have a bit of spare time every day, such as when you are winding down in the evening watching a bit of Netflix, you can complete surveys and earn points.

You will need to get to $30 in order to cash out, and there are loads of retailers’ gift cards that are available, such as Amazon, Adidas, or Walmart to name a few.

Our favorite is the Target gift cards since we can use them on groceries, movies, and house stuff.

Read our full review of InboxDollars here and find out the other ways you can earn freebies.

4. MyPoints

MyPoints is another survey site where you’re able to complete paid surveys, earn points, and redeem them for free gift cards.

You can even build up your points to get even better deals on your gift cards. 

You will be able to redeem gift cards at some great places such as Amazon, Starbucks, iTunes, and more.

Since 1996 MyPoints has paid out over 236 million dollars in gift cards and PayPal cash! 

With over 10 million members and counting you know you are in great hands to take surveys on MyPoints. 

5. Capital One Shopping

Capital One Shopping is known for helping people save money online while shopping. It searches online to try and find savings through sales and coupons, but you can also earn rewards.

Rather than taking paid surveys or playing video games, you can shop as you normally do and get rewards!

You can search for products through Capital One Shopping, or you use their browser extension to help you find deals. 

Check out our Capital One Shopping Review to find out more about how to earn free gift cards online.

6. Rakuten: $10 Sign Up Bonus

Rakuten (formerly eBates) is a site where you can earn cash back on your online purchases.

Rather than earn points, you essentially get some money for ordering through their site!

If you’re feeling a bit skeptical about how this works, don’t worry because it’s all very simple and legit.

Once you have found the retailer, you click on it to be taken to their site and you’ll get points for shopping.

It’s free money! Just for doing a transaction that you would have been doing anyway, it’s definitely worth a couple of extra clicks to get some cash or gift cards sent your way.

Sign up today to earn your first $10 you can put towards earning your FREE gift cards.

7. Honey Extension

Over here on The Savvy Couple, we love the Honey Extension and have an in-depth review of Honey explaining exactly how to use it, but we can do a summary of it here for you!

The Honey Extension is a web browser extension that you download onto your laptop or computer.

It’ll help you find the best coupon codes when visiting online stores and putting stuff in your cart.

For example, say you are going to buy something on Sephora when you come to the checkout, there will usually be a box there asking if you have a discount code.

A lot of the time we just ignore this, because we are in a hurry, or have a little Google search for a coupon code that you can use.

The best thing about the Honey Extension is that it will do this automatically for you.

Once you’ve reached 10,000 points you can redeem your points, and here are your options for a free gift card:

Walmart
eBay
Amazon
Sephora
Target
Groupon
Nordstrom
Sears
1-800-Flowers
and more!

8. Credit Card Points

Using credit card points to buy free gift cards is smart, but you’ve got to be careful about spending money and not going crazy just for points on credit cards.

But some rewards can be worth it if you’re smart with your credit cards.

An example is the Discover It credit card which is a card that will give you cashback on things that you are already buying such as groceries, gas, etc.

When you earn points on your card, you’re able to change it into a gift card.

Another example is the Amazon Prime Store Card which offers a $10 Amazon gift card when you open up a new account with them – but make sure that you read the T&C’s before signing up.

Our Favorite Credit Cards:

Capital One Venture Rewards Credit Card
Chase Sapphire Reserve

9. Amazon Trade-In

Amazon is a great way to buy things, but also make money and earn gift cards.

The Amazon Trade-In program is a program where you can trade-in your old things, and get Amazon gift cards in exchange.

If we’re all honest with ourselves, most of us have stuff lying around the house that we can get rid of.

I think of myself as pretty good at decluttering and love selling my old bits, but somehow I always find more and more stuff to get rid of!

With this program, you can trade in the following:

Cell phones
Kindle readers
Video games
Textbooks
Tablets
Bluetooth speakers and Echo
Streaming media players (e.g. Apple TV, Roku Streaming Stick, etc.)

After you submit the item that you want to trade in and it’s accepted, the gift card should be added to your balance within 2 business days – really handy if you need to buy something last minute!

Start trading in your items to Amazon for FREE gift cards today! 

10. American Consumer Opinion 

American Consumer Opinion is a company that pays you to answer online surveys that are available for you to enter on the website.

You earn points per online survey, they will be between 100 to 5000 points, with each 1 point being equivalent to 1 penny.

When you redeem your points, they will be offered as cash, but you are able to win a free gift card with their lucky draw opportunities.

Bonus: You can use the Honey Extension to get free rewards when you use this site!

11. Shopping Online

Ibotta is a really useful app to have, that will get you cash back on your purchases. I don’t know about you, but I love getting free money back on things that I am going to be buying anyway!

Groceries are a huge expense for most families, so being able to get cash back on the food and drink that you buy can be a blessing, especially if you are going through a rough financial patch.

When you are about to do your grocery shopping, you can open up the Ibotta app and select the items that you are planning on buying.

Once you have done your shopping, upload your receipt so that it can be seen that you bought those items, and you’ll get points for those.

Once your account reaches $20, you are able to cash out and can redeem it in the form of free gift cards online.

When you sign up using our exclusive link you’ll earn your first $10 for FREE, which will help you on your way to the cashout!

12. Branded Surveys

Branded Surveys is a great option to earn gift cards fast. It’s easy to take online surveys and get paid via PayPal cash, gift cards, and bank account transfers.

Once you sign up and answer surveys, you can cash out your rewards as a gift card once you hit $10 in your account.

You can get your gift cards typically within 1-2 days of requesting a payout, and then you’ll be ready to use your free gift card in no time!

You can also turn your Visa gift card into cash!

13. Earn Rewards With Opinion Outpost

Opinion Outpost is another online survey site where you can earn points and get free gift cards for every survey that you complete.

Surveys are such a great way of earning gift cards, because there are always little pockets of the day that we can do them in, and it doesn’t require much effort at all.

Learning to get gift cards free with a tiny bit of effort is a great feeling, especially when you use a gift card for things that you really want.

You are able to exchange your points for cash, or gift cards such as Amazon or iTunes gift cards. It’s epic!

14. Fetch Rewards

Fetch Rewards is an app that turns your grocery shopping receipts into points, which you can then use to get free gift cards fast.

You just download the app and scan in your grocery receipts. Once you’ve scanned in $3 worth of receipts, you start earning points towards freebies.

You can also earn points by referring your friends. 

You can then redeem your points for a  free gift card at a large number of different stores, including:

Amazon
iTunes
Starbucks
Walmart
And more!

15. i-Say Surveys

Okay, okay, I know that it’s another paid survey site, but we have to mention all of the best places that can get you your free gift cards, and this is another one to add to the list!

There are lots of surveys up for grabs on this site, but like all survey sites, it will go off your demographic.

Some surveys will be targeting a particular demographic, so it is just the luck of the draw when it comes to that.

Once you have completed some surveys or polls that are on the website, and have got to at least 1380 points, you’re eligible to redeem these points into electronic gift certificates and high street vouchers.

The great thing about redeeming on i-Say is that the gift cards will be delivered to you straight away – and with brands such as Starbucks, Amazon, etc.

16. MobileXpression 

MobileXpression is another passive income app where you receive free gift cards as rewards.

Rather than taking online surveys, you just use your phone and get your freebies. 

We like this app to get free Amazon gift cards, plus you can enter sweepstakes to get even more.

They’ll sometimes send short surveys about your internet usage, but it isn’t like a survey app where you answer questions every day.

17. Lifepoints

Lifepoints is another survey site that asks you about exercise, food, hobbies, and more to get free gift cards fast.

LifePoints offers small surveys that usually pay 1 – 2 points that take a few minutes. Then they have surveys that take at least 30 minutes and pay 100 – 150 points.

You can also test products and enter weekly giveaways in order to get freebies.

18. FREE Gift Cards for Birthdays & Holidays

A really simple way to get free gift cards is to simply ask for them!

Now, I don’t mean to go around asking random people on the street for free gift cards, but to ask for gift cards from friends and family who will be buying you something anyway.

For example, at Christmas and on your birthday, your loved ones will probably ask you what you would like them to get you, and you can let them know that you would like a gift card.

A lot of the time, people struggle with knowing what to buy people. I personally love a practical gift, rather than something that will just end up at the back of my closet.

Chances are, you’re probably saving up for something right now, which is why having a gift card to go towards that will be really beneficial to you.

I always ask for gift cards when I’m asked what I would like as a gift, and I am usually specific as well and will explain the reasons behind it.

19. Test Drive Cars To Get Free Gift Cards

Many car dealerships will offer you free gift cards for swinging by and taking one of their latest inventory out for a spin.

Be sure you are prepared to walk into a dealership, they will try and sell to you. Car dealerships make their money by getting foot traffic into the dealership and selling HARD.

Make sure you have your guard up and realize you are only there for the free gift cards and coffee. Don’t get caught up in a salesman sitting you down and tempting you to upgrade your car.

20. Do Microtasks

If you have some free time and want to get free gift cards, you can complete microtasks through Amazon Mechanical Turk.

These tasks are usually very quick and fairly simple to complete at your leisure. Some examples are entering data, doing research, creating documents, and more.

They get posted pretty regularly so there’s always something available for you to work on. Then when you finish your tasks, you can get paid through gift cards.

21. Donate Blood

Now many of you have probably donated blood, but when there are extra shortages, blood drives will often advertise free gift cards as an incentive.

Not only that, but you can sometimes enter sweepstakes and giveaways. We recently saw that the Red Cross is giving people a $5 gift card plus a chance to win a trip to Memphis.

You can find places to donate blood near you with the Red Cross, but you can also contact your local churches, colleges, and more to see if they’re having a blood drive close to home.

22. Mistplay

Mistplay is a gaming app where you can get free gift cards for playing games online.

You can earn points towards gift cards from retailers like xBox, Google Play, Amazon, and more.

This is an Android-only app, however, but you can earn from a large variety of games.

The variety is how millions of users have stuck with it all these years! 

23. Bubble Cash

Bubble Cash is an easy game where you can earn points and snag free gift cards!

The game is simple- pop bubbles and compete if free or paid tournaments.

You collect gems as you go and rack up more points- and more points could mean you’re the winner!

The cash tournaments aren’t available in every state, so be sure to check if you’re eligible to play.

FAQs

Why Get Free Gift Cards? 

Free gift cards are free money in your pocket, so you may as well! 

When you get your free gifts cards, you can keep them at-the-ready for when you want to use them, such as at Christmas time or on a fun vacation.

Or you can even sell them for easy cash!

Can I sell the free gift cards I earn on these apps?

Yes, you can sell gift cards online instantly for cash if you want.

Some apps already offer PayPal cash or direct deposit as an option, but you can earn gift cards and sell them for cash after.

You can sell them on online marketplaces like Facebook or eBay, or check out sites like CardCash. 

Final Thoughts

Free gift cards are a great way to spend less money, leaving extra money in your account for savings, a family trip, or even investing.

It’s nice to get paid just for some answers, our steps, or just doing our regular shopping. Find a way to earn gift cards that fits what you like!

If you want some earn points and get free gift cards to spend on yourself, pay for Christmas this year, or give as gifts to others these little side hustles should get you well on your way.

Take surveys, watch videos, and do your regular shopping- each one is an easy way to get free gift cards online to treat yo self later on.

There are some incredible options in this FREE gift card guide. Work your way through them and find the best ones that work for you. Good luck earning!