Earn money on your phone with almost no effort.
There are tactics for everyone — whether you want to take surveys, have your medical bills canceled or borrow $10,000. Whatever your situation, we’ve found simple ways to make you money and we’re going to share them here.
Whether you’re looking for ways to help pay rent or want to set some aside some extra cash in savings, this year, it’s all about smart earnings from your smartphone. So let’s dig in and start making you money as you tap your screen. It’s time for your phone to pay you back.
(Editorial Note: We review everything independently. If you make a purchase through our links, we may earn a commission.)
1. Make $300+ extra a month taking surveys on this site.
Survey Junkie’s tagline is “Take surveys. Get Paid.” Can’t get much simpler than that, can you? And it’s a breeze to get started: Sign up, build out your profile, and then they’ll match you with surveys. The more you complete, the more points you earn. And then you can redeem your points for gift cards or cash.
If you’re the type of person who’s going to be on their phone while you watch Netflix tonight, why not turn that scrolling into real money?
NOTE: There are two other sites like Survey Junkie — Swagbucks and Inbox Dollars. Each one will be a little different for everybody, so we recommend you try them each and then stick with the one that’s most fun to use and that pays you the most.
2. This site will cancel up to 30% of your medical bills, credit card debt, and more.
If you owe someone $100, and then that debt is forgiven, you just made $100, right? So one way to make money is to get rid of what you owe other people — credit card debt, loans, medical bills, and more. And that is exactly what National Debt Relief can do for you.
With 35,000 5-star reviews and an A+ rating from the BBB, they are the nation’s #1 debt settlement company. And they work for you, not for your creditors to relieve your debt by up to 30%. Learn more about the program at their clear and easy-to-understand how-it-works page.
3. Use this site to make $1-$3 more per hour just running your regular errands and get discounts.
Fetch Rewards is a unique program that essentially pays you for the shopping you’re going to be doing anyway. Get the app (which has over 4 million 5-star reviews, by the way) and begin to earn points any time you buy anything almost anywhere.
Fetch is a proven, trusted program that has been serving their users for over a decade. As one reviewer says, “I absolutely love this app. It’s ridiculously easy to use…Everywhere you spend money, no matter what you’re spending it on you will get points…. Use those points to get gift cards. Thank you thank you thank you!!!”
Bonus Money-Making Tactic!
In addition to Fetch’s regular rewards program, there’s also now Fetch Play, a service from Fetch Rewards that makes playing on your phone a surprisingly lucrative way to spend your time. We’re in!
4. Easily find a lender who will give you up to $10,000, regardless of your credit, with the help of this site.
Having bad credit doesn’t necessarily mean you shouldn’t receive a reasonable offer when you need a loan. And that’s why there’s BadCreditLoans. As their name says so clearly, they’re in the business of connecting folks who have a troubled credit history with reputable lenders. Their service is 100% free and inquiring about a possible loan does not obligate you to take it. It’s just free, helpful information.
Whether you need $500 or $10,000, all you need to do is fill out a very short online form, and they’ll deliver lenders and terms for you to review.
5. Start investing with only $5 using this app even if you have no prior financial know-how.
Acorns has over 10 million users and more than a million 5-star reviews. Why do people love it so much? Because it’s an ultra-simple savings and investment app that allows you to set up recurring investments of as little $5. Once you set it and forget it, it will grow your savings without any effort or stress from you. Smart and easy!
On top of that, they have a program that automatically invests your spare change. This works out to over $40 a month for the average Acorns investor. It only takes 3 minutes to get started and right now they’re offering new users a bonus $20. The decision practically makes itself!
6. This simple banking app will spot you $200 rather than ever charging you an overdraft fee.
Don’t you have waking up to an email saying you overdrew your account? Now you’re even deeper in the hole because of the overdraft fee! The banking app Chime refuses to do this to their customers.
Chime is a new way to bank with an emphasis on simplicity and NO FEES, especially overdraft fees. They take this so seriously that if you have direct deposit set up with them, they’ll spot you up to $200 when you need it.
There’s no credit check to apply, no minimum balance to get started, the app is easy to use, and there’s always a real human on hand if you need customer support. According to more than a million 5-star reviews, this is the future of personal banking.
Bonus: We offer over $1000 of savings a day in Amazon deals.
And finally, perhaps the most basic way to save money is to look for deals. Amazon makes this so easy if you know where to look. Every day, they put some of their best products on sale for just a few hours each.
Below, we’ve posted the best lightning deals that are happening right now. (Literally — we update it hourly. ⏰)