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We’ve all been there – a few days out from payday, with a big unexpected bill, dying to go on a trip– needing to come up with some extra cash. And quickly.
Most of us don’t have time to go out there and get a time-consuming side hustle between work and family and everything else.
That’s why we searched far and wide for the best ways to come up with some extra cash right from your couch. None of them pay a fortune on their own, but do a few together and you’ll come up with the money that you need. When you’re in a pinch, that’s all matters.
Waiting for the next payday and in need of a little bit of extra cash in a pinch? Your best quick bet is Swagbucks.
They’re a market research company that’ll pay you top dollar for every survey you complete and importantly, they let you cash out quickly.
People are obsessed because it’s so easy to do when you are being lazy and just wanting to make some extra cash:
And people are using it to save for very real things:
They offer a free $10 welcome bonus when you sign up.
To earn the most on Swagbucks you are going to want to complete at least three surveys as you get started. The more surveys you complete the more chances you have of higher paying surveys coming your way.
It pays to keep a copy of your receipt every time you go shopping. That’s because a popular cash back app called Ibotta will reward you for taking photos of your receipt. The app scans your receipt for deals and then instantly applies cash back to your account. It works with a ton of retailers, from Walmart to Costco, so there is no shortage of stores you could be earning cash back from.
People are getting a ton of cash back:
One more way to save money? We are completely obsessed with a new feature on the Ibotta app that allows you to actually pay right on the app at a huge number of stores and restaurants including Applebee’s, Bed Bath & Beyond, Lowe’s and more and get cashback instantly. Yup, no more waiting, no more saving receipts!
To help you get started, Ibotta is offering a massive $10 bonus for new users! This one is essential.
Debt consolidation isn’t as complex as it sounds. All you’re doing is borrowing money at a low-interest rate and using it to pay off high-interest debt. That means your monthly interest repayments go down and there’s only one bill to pay each month. Simple but effective!
If you want to see your how much debt consolidation could save you, check out Fiona. Fiona lets you search all the top online consolidation and refinancing options for free. You can sign up in three simple steps. The best part? It is completely free to use. No gimmicks, no hidden fees.
The loans offered are between $1,000 and $100,000, lasting between 24 and 84 months. Rates start at 4.99% and people with a credit score of 660 or above get much better rates.
The perk of doing paid surveys is that you can earn anywhere. The problem is that most survey sites are really difficult to use on phones. The one big exception is InboxDollars. You’ll be able to earn extra money using InboxDollars literally anywhere you are, right on your phone.
InboxDollars surveys are some of the highest paying out there. They also give you a $5 welcome bonus right off the bat.
People swear by this:
Pro tip: People who earn the most on InboxDollars know that it’s important to stick with it for at least an hour at a time, so you start getting fed the highest paid surveys possible by the site.
5. Mistplay (Android Only)
Getting paid to play mobile games sounds like a dream for most people – Mistplay (download for Android) makes that dream a reality.
Mistplay is an Android game platform app which lets you earn rewards for playing new games. Those points can be redeemed for awesome gift cards from Amazon, VISA, Google and more.
Just download the Android app choose a free game from your “mixlist” and start earning units. The more you play, the more you earn! It’s a simple idea that can result in a big payday for mobile game lovers.
Online shopping is nice, but online shopping with cashback rewards is far nicer. When you sign up for Affinityy, you get up to 20% cashback at your favorite stores including Walmart, Macy’s Neiman Marcus, Jet.com, and even Target.
Affinityy makes it simple to find all the cashback offers and coupons you could want. Just search for a store, click on the coupon you want, and complete your purchase as you normally would. Then Affinityy will send your cash via check or PayPal.
And if that isn’t enticement enough, you earn:
- $20 first purchase cash reward
- Earn $3 cash when you download the app
- Earn $3 cash when you download the browser extension on desktop
- Up to $10 per referral of family/friends.
- Earn $5, $10, and $20 cash bonuses the more you shop with Affinityy.
All totaled, Affinityy will give you $36 and more for completing those simple tasks.
7. Shopper’s Voice
Why pay for stuff when you can get it for free? Shopper’s Voice® is one of our favorite resources for earning rewards like coupons, free samples and other free stuff — all from the comfort of home. It’s no wonder people brag about getting brand full-size products via Shopper’s Voice®.
Another really cool perk of being a member of Shopper’s Voice®? Complete a simple questionnaire and you’ll enter to win $1,500 this month.
FYI: The people who swear by Shopper’s Voice® tend to be slightly older — over 25 — as this is a great way to earn free online stuff to supplement the monthly budget when you are taking care of a family!
We consider Status one of the most useful money tools for a few reasons: It brings all of your accounts into one place so you can monitor how much money you have coming in and out all in one place. It let’s you know how you are doing compared to your peers as far as your spending, debt, credit score and income are concerned. It even makes cash flow projections for you!
But here is the real kicker…Status will actually pay you to get control of your finances.
As you use Status, the app will make recommendations for ways you can improve your finances, save more, spend less — you get the idea.
When you act on Status’ recommendations you earn cash rewards. You get $5 immediately for singing up, $1 for linking your credit report so you can monitor it, $1 for linking your first bank account, $20 for consolidating your debt…the list goes on and an on.
There’s no limit to how much you make and you can get the money wired to your bank account as soon as you hit the $10 mark.
You should want to get control of your finances no matter what, but the fact that there is a way to get paid for doing it makes it all the sweeter.
Did we mention that Status is completely free? Sign up to Status now and start earning cash rewards just for being smart with your money.
What are you going to do with all this extra cash if you don’t have a savings account yet? Consider joining a 100% free bank like Chime which does more than practically any bank when it comes to helping its customers save.
Unlike traditional banks, Chime operates fully online and doesn’t have any physical branches. That means something amazing, that they are able to offer 100% fee-free banking.
Just imagine actually liking your bank because they aren’t out to rip you off.
Chime’s Automatic Savings feature saves you money by rounding up your transactions to the nearest dollar and then transferring the change to your Savings Account. It’s a dead-simple way to save.
You can also get your paycheck two days early when getting paid via direct deposit. If your fridge is bare right before payday, those two days are huge.
If you want free money simply for going shopping, make sure to try Shopkick. It’s a free app that pays you to walk into stores and get discounts at places like Target, Walmart and more. An easy way to make even more is by scanning products while you’re in store. Doing all this earns you kicks, which can be redeemed to all your favorite stores.
It’s really a smart choice for anyone on a tight budget.
11. Long Game
Who says saving money has to be akin to watching paint dry? The days of yawn-worthy banking are over thanks to the arrival of Long Game, an app that lets you play games, save money and earn cash and crypto rewards. Now you can have fun with your money while it builds into a healthy cushion of cash.
With the Long Game app, your money earns interest and stays safe because it is FDIC insured. Your money is also accessible at any time.
What are you waiting for? Sign-up for Long Game to have fun saving money while building wealth!
Bonus. Ipsos i-Say
Some people say surveys are time-consuming. If you don’t have much free time but still want to earn, Ipsos i-Say is a good option.
They send activities less frequently but always have surveys with great rewards. It’s a good option if you value your time and would rather take higher paying surveys less regularly.
They payout with great rewards like Visa prepaid cards, Amazon gift cards, PayPal funds, Starbucks egifts and more.
Bonus. S’more (Android users only)
Think about the amount of time that you spend looking at your phone every day. Now, imagine if you were getting paid for all of that time.
Right about now you are probably rolling your eyes and thinking this is a scam. It’s not. S’more is helping brands reach people with their content/products and that’s what they are paying you to look at. You don’t need to click anything to get paid, either.
In return for doing almost nothing, you can earn gift cards to places including Amazon, Best Buy, CVS, Target, Starbucks and more.
Just use your phone like normal and you’ll accrue points which can be cashed out when you’ve earned as little as $1. If you use an Android phone, what’s not to love?
Final Thoughts (TL:DR)
Score extra cash today – Swagbucks
Earn money with your shopping receipts – Ibotta
Get a quick financial helping hand – Fiona
Start earning on the go – InboxDollars
Play games on your phone to receive cash – Mistplay
Score up to $36 when you shop online – Affinityy
Save money and win $1,000,000 – Long Game
Earn coupons, samples and free stuff – Shopper’s Voice®
Use your phone to make some easy money – S’more
Use a free savings account to keep your earnings safe – Chime