Humorous cartoon of a blue toilet with smiling face as dollar bills shoot out from the bowl.
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Bizarre Ways You Can Make Money From Your Toilet…

“Downtime” takes on a whole new meaning when you think about making money while sitting on your toilet! But you can and we’ll show you how.

Below are the best companies offering free apps that pay for playing games, doing surveys, watching videos and other easy and enjoyable stuff.

We’ll even show companies who help flush away debt, send the best shopping deals direct to your phone, allow you to become your own boss using your car as your office, and more.

Are you sitting comfortably? Let’s begin…

Can You Really Tap Into Big Money This Easily? Erm, Yep

If you need cash — let’s say a lot of cash — the thought of taking out a traditional loan with a high interest rate is daunting (to say the least).

If you own a home, there is another option.

Hometap will give you a lump sum of money in exchange for a share of your home’s future value.

It’s called home equity investment. Unlike the similarly sounding home equity loan, you don’t have to make monthly payments.

Wait! What?

Yes, it isn’t a loan. Hometap invests in your home’s value, so that when you sell your home down the line, it takes a share of those proceeds. Here’s how it works:

  1. Request an investment (up to 25% of your home’s value or $600,000 max)
  2. If Hometap agrees it will send you the money (deducting 3% closing fees)
  3. That big ticket cashout is all yours to use in any way you wish
  4. When you sell your home, Hometap gets an agreed percentage of your home’s value
  5. If the value of your home goes down, Hometap as an investor will share in the depreciation

If you need cash and own your home, this is definitely something to consider, because you won’t be taking on debt.

Check out Hometap here.

Is There Really an Easy Way to Rocket Your Finances Upwards?

Being FREE is a great start for a financial app offering budgeting features designed to budge your finances into the black, before helping send them skyward.

Rocket Money helps you:

• Monitor your income and spending
• Set savings goals
• Identify ways to trim your budget
• Sync to your bank accounts

You can ease your way in free and possibly stay there; or opt for the Premium version at between $4-$12 per month. And even that comes with a 7-day free trial.

Premium features include:

• Custom budget categories
• Automated savings
• Credit report and net worth tracking

Heavily reviewed as easy to use, it also has notifications on tap (as you choose), clever savings goals that are simple, and a bill negotiation service on both free and Premium platforms!

Rocket Money boasts an Excellent! rating on Trustpilot based on over 4K reviews.

Check out Rocket Money here.

35+ and still no plan for retirement? Talk to a financial advisor free

We’ve all wondered where to start when it comes to getting a financial advisor. The benefits of professional support are clear. But how do you get the right one for your needs? And what happens if you get the wrong one?

Imagine two futures: in one you don’t find the right financial advisor; in the other, you get the right one, along with all the benefits that follow. Those two scenarios could be very different.

With WiserAdvisor, guesswork is gone. You provide basic info and they match you up with three top-rated advisors in your area. (FINRA and SEC-registered.) The initial consultation is free, so you can make up your mind without obligation. It’s what they call the wise choice.

Find your financial advisor here.

Become Your Own Boss and Make Up to $50/Hour

Becoming your own boss and earning extra money on your own terms seems like a dream to many. As an Uber Eats Driver you can set your own hours, get paid quickly (and keep all your tips), and view your earnings easily.

Those earnings will be deposited into your bank every week. Earning ability depends on location and strategies. Some Uber drivers, for example, make $15-$25 an hour.

Rewards include cash, discounts on gas and car maintenance, cash back on gas and EV charging, 12-months of Costco Gold Star membership and more.

Follow these steps to get started:

  1. Sign up free here.
  2. Consent to a screening and upload specified documents/photo.
  3. Wait to be confirmed as active and begin to receive delivery requests.
  4. View resources on your Driver App and learn as you go.

Become an Uber Eats Driver

Don’t Sweat Debt, Shed It – Stress-Free

For a big ticket item like debt consolidation it helps to find a company that has an “Excellent4.3 Star-rating on Trustpilot.

Like AmONE.

AmONE brings the top lenders to you, so you can quickly decide who fits your needs best. They also have U.S. based specialists to walk you through the debt consolidation process in basic steps:

  • Turn several high interest payments into one easy payment.
  • Forget all those “due dates” that cause stress and irritate.
  • Pay your debt faster at a single, lower interest rate.

And they answer specific questions you need to raise. Strict confidentially is another reason so many people like them.

Not only that, they give you all the pros and cons and make sure you’re making the best choice for YOU.

Debt? No sweat.

Check out AmONE here.

Raisin Savings? Is This the Ultimate One-Stop Shop Solution?

Most people still have the savings account that they opened when they first started earning.

But when it comes to saving money, there’s no one-size-fits-all solution.

That’s where Raisin steps in.

Offering a curated selection from various U.S. banks and other financial institutions, you can:

  • shop around
  • compare rates and terms
  • create your own bundle of saving products

With Raisin, you can apply for multiple accounts using a single enrollment (charging no fees).

Then manage them all in one place.

Each month, you’ll receive a single statement showing balances and interest earned across all your savings accounts.

Savings products include:

  • High-yield savings accounts
  • High-yield money market deposit accounts
  • Fixed-term certificates of deposit
  • No penalty certificates of deposit

You are unique and so are your savings goals, so get to raisin some savin. (Sorry.)

Check out Raisin here.

Snap Your Receipts and Earn Cash for Shopping?

16 million selfies are enough. Please stop!

Start snapping receipts and raking in Swagbucks instead.

Swagbucks new Magic Receipts feature lets you:

  • Turn receipts into cash
  • Choose from hundreds of grocery stores
  • Opt for a wide variety of shopping categories
  • Simply snap a photo and send

And grab a $10 bonus at sign up.

Users are earning $100-$200 each month for 10-25 minutes a day:

  • Snapping their receipts
  • Signing up for apps
  • Choosing gig economy offers like Uber Eats

Fast cashout at only $3 (300 points).

Cashout has paid out over $550 million.

Top Tip! Focus on high-paying tasks and take advantage of shopping rewards.

Then exchange points for cash via PayPal or gift cards from Amazon, Starbucks, Hulu and more.

Check out Swagbucks here.

A Door of Earning Opportunity Not to Dash Past?

Looking for an easy-going side gig with steady pay and flexibility?

DoorDash is a door you shouldn’t dash past.

As you may know, it’s an on-demand delivery service that contracts people to deliver orders right to a customer’s doorsteps.

Deliver food as a “Dasher” via car, bike, scooter or motorcycle on your own time and drive your own job while earning fast.

You’ll get your money direct deposited into your bank account every week and can track your earnings through the app.

Unlike services like Uber or Lyft, which limit you to only working in the state in which your vehicle is registered, you can make deliveries anywhere DoorDash is available.

So no matter where you go, if you’re in need of some extra spending money, you can just pull out your phone, open the app and start taking orders.

And you could be making money within a week of applying.

Check out DoorDash here.

Is This the Veritas of Non-Volatile Investing?

Investing is crucial if you want a well-rounded financial plan.

And while most people think of stocks as the holy grail of assets, there are others that are far less volatile and just as, if not more, profitable.

Fine wine is one of them.

Previously limited to exclusive auctions for select audiences, the Vinovest app enables everyone to diversify their investments with high-appreciating wine.

With an average annual return of 10.6% even during economic downturns, fine wine is a market that has consistently outperformed global equities over the last 30 years.

Vinovest uses AI technology and expert analysis to create a personalized portfolio of proven, high-appreciating wines tailored to your investment goals.

You maintain full ownership and control over your wines and they take care of all the insurance and storage details, so you can focus on enjoying the ride.

(Or a bottle or two from your portfolio, if you’d like.)

With a minimum investment of just $1,000, there’s never been a more accessible or exciting time to get in on the fine wine investment game.

Particularly for anybody with a cheeky little personality.

Check out Vinovest here.

Get a $4,700 Credit Limit Boost – For FREE

Ready to give your credit score a jump? Dovly AI can help you boost your score by an average of 31 points and unlock up to $4,700 in extra credit – all without spending a dime.

Dovly AI works 24/7 to monitor, (re)build, and protect your credit–helping you build a strong financial future. Here’s why you should check ‘em out:

  • Score boost: Members see an average increase of 31 points.
  • Higher limits: Unlock an extra $4,700 in credit.
  • Completely free: No credit card needed.
  • 5-star reviews: Over 30,000 people love it.
  • Fast and easy: Sign up in 2 minutes without affecting your credit score.
Check out Dovly AI here.

Is the Perpay Deal Hard to Credit? Let’s Look…

If you’re looking to build your credit, Perpay may be just the thing for you.

It enables you to use your everyday purchases to help improve your credit score. Simple.

Members receive a personalized spending limit that they can use at Perpay’s online market place, which has more than 1,000 brands.

When you make a purchase and set up your payments, a small payment for your order will automatically be deducted from your paycheck until you’ve paid it off.

Each on-time payment will help build your credit history.

In as little as four months, you could see your credit score increase by an average of 36 points.

The best part?

There is no credit check required to apply for a Perpay account. This could be the credit boost you’ve been looking for.

Quite the boost really.

Check out Perpay here.

Struggling to Stick to Your Budget? Say Hello, Cleo

Crying “Mayday!” until payday? Cleo can help.

You can get up to $250* with:
• no credit checks
• no W2 forms
• no interest

Cleo promotes itself as an AI Money Pro focused on budgeting and saving. And it’s backed up with a 4.4/5 Star-rating on Google Play, based on over 70,000 reviews and 1 million downloads.

Talk to Cleo about your income, bills and other expenses and she’ll analyze that info to create a personalized budget for you.

So if you want to reach your financial goals and have fun doing it, this could be the start of a beautiful friendship.

Budget better with Cleo

*Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Same day transfers subject to express fees. You may also apply for a cash advance without subscribing by contacting team@meetcleo.com.

Toilet Training… (Too much? Sorry)

Saving money and making money are basically the same thing, even from the toilet. That’s why we usually provide options to do both. “A penny saved is a penny earned” and all that. So here’s some savings advice that could bowl you over and leave you flush.

The most common advice for saving:

Look at unneeded subscriptions and cancel them!

While this is good advice, it calls for sacrifice. That’s why The Money Manual provides options for free apps that pay you to for what is essentially play. Like this…

Turn Playtime into Pay time

Download and try the pay-for-play apps you like most.

Why? Having multiple apps can optimize your income.

And you can save money by cutting back on subscriptions.

The days of paying for your entertainment are long gone, so watch out for new offers coming through on your free apps that pay more.

When you play your favorite games you’ll get better, too.

Save Money to Make Money

The smart way to start saving money simply is to set a budget.

This helps you track your income and expenses, ensuring you spend within your means. By identifying unnecessary expenses, you can cut back and allocate more funds to your savings.

Another important method is to set specific financial goals. Whether it’s saving for an emergency fund, a vacation, or a big purchase, having clear objectives can motivate you to save consistently.

Automating your savings can also make a big difference. By setting up automatic transfers from your checking account to your savings account, you ensure that a portion of your income is saved without you having to think about it.

Additionally, taking advantage of high-yield savings accounts or other interest-bearing accounts can help your money grow over time.

Lastly, minimizing debt is crucial. Paying off high-interest debts quickly and avoiding new debt can free up more money to save and invest.

Saving in a Nutshell

  • Set a budget: Track your income and expenses, then cut back.
  • Don’t sacrifice: Find the best free ways to make money during downtime.
  • Define financial goals: Establish specific savings targets.
  • Automate savings: Set up automatic transfers.
  • Use high-yield savings accounts: Shop around for great deals.
  • Minimize debt: Pay off high-interest debts first and avoid new debt.

OK, it’s time to partake or get off the pot!