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.
1. Opinion Outpost – Earn Money Online By Giving Your Opinion
Let’s get straight to the point – you want to know the best way to get free gift cards and cash quickly. For most people, the best way is Opinion Outpost.
Opinion Outpost pays you to share your opinions through high-paying online surveys. Sounds ridiculously easy? That’s because it really is.
The best part? It’s super easy to get paid since the value per point is really high. It takes just 50 points (5-7 surveys) to earn a $5 Amazon gift card. And since it’s 100% free to sign up, there’s no reason to not to give it a shot.
2. Stash – Start Investing With $5 And Earn Passive Income
Investment dividends are a great way to passively earn extra cash. But knowing where to start investing can be hard.
With the micro-investing app Stash you can start investing with as little as $5. They’ve made it incredibly easy for anyone to start investing by offering a curated selection of 200 plus stocks and Exchange Traded Funds. Those ETFs and stocks pay dividends meaning you make money while you sleep! It only takes two minutes to sign up!
3. Lucktastic (Android Only) – Play Games And Win Cash On Your Phone
We love a good game of chance as much as the next person, but constantly spending money on lottery tickets or scratch card games isn’t the most effective way to make money. We’re not here to try to get you to stop, but we are gonna tell you a way to keep the fun going without spending a fortune over time — Lucktastic (Download for Android only).
Lucktastic is a free app that offers free daily scratch card games that can score you some serious cash and the app’s tokens, which you can use to enter contests. We know what you’re wondering: Is it legit? Well, 220,000 people have already scored major rewards with the app.
The app adds new games every day so there’s always a chance to win, plus consecutive days of game play will earn you daily rewards ranging from bonus tokens to contest entries. Lucktastic’s biggest scratch card cash prizes are $5,000 and $10,000. They also have two major contests going on: the daily $500 Amazon gift card giveaway and the $1 million Crack The Safe Contest.
When your account balance is at least $2, you can cash your winnings in for cash or gift cards (to places like Amazon, Walmart and JC Penny). If you have a balance of $10 and up, you can get your money mailed via check.
Stop giving away money just to get a chance to win more. Get daily opportunities to win big when you download Lucktastic for free (Android only).
4. Fetch Rewards – Turn Your Receipts Into Rewards
Most people (myself included) just throw away receipts when they get them. That’s a big mistake, though. Huge. That’s because Fetch Rewards can turn your receipts into gift cards.
It’s super easy to earn free gift card for shopping with Fetch Rewards without clipping coupons. Here’s how it works:
- Download Fetch Rewards
- Snap a picture of your receipts and the app will comb through it for participating products. Any eligible purchases you’ve made score you points.
- Redeem your points for free gift cards to your favorite grocery stores like Whole Foods, Walmart, Target and hundreds of other retailers like Amazon, Sephora, and Nordstrom.
Sign up today and use code TMMLOVESYOU to get 2,000 bonus points immediately when you upload your first receipt. This is free money, people!
5. Mistplay (Android Only) – Get Paid To Play Games
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 that 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.
6. Survey Junkie – Get Paid For Taking Surveys
Make money at home with your phone while sitting on the couch watching TV. Yes seriously, it’s possible with paid survey sites. These sites pay you in cash or gift cards for giving your opinion!
On average, surveys with this super popular website only take 15 minutes to complete. That means you can do them while you’re lounging at home, eating a meal, waiting at the doctor’s office or before you go to bed.
The payout threshold for Survey Junkie is $10, which you can reach pretty quickly. Redeem the points you earn as cash via PayPal, e-gift cards or direct bank transfers.
Simply create a profile to get surveys that cater to your interests and earn points with every survey you take. When you reach 1,000 points you can redeem them for $10 instantly. With a massive survey inventory and new surveys being added every day, there are tons of opportunities to make some money.
Take advantage of how quick these surveys are, and see how many you can get through in an hour.
7. Mypoints – Earn Easy Money On The Couch
If you could imagine your dream way of making money in your head it would probably involve sitting on the couch, eating popcorn, binge-watching TV — and somehow also making money.
We still haven’t found a way to make our rent money this way (although trust us, we are constantly on the hunt), but we have found a way to make a little extra money each month by doing this and it’s called MyPoints.
Big brands want consumers to watch short snippets of movie trailers or product features and give their feedback. They pay MyPoints which then recruits people like us to give their feedback for actual cash.
That’s right, you can sit back on the couch and MyPoints will pay you. They also offer paid surveys which you can do while you are watching your favorite guilty pleasure TV show.
What are you waiting for? Sign up for MyPoints and get a free $10 welcome bonus.
Pro tip: You’ll earn a $5 bonus right off the bat for taking five surveys. Between that and the welcome bonus you’ll stack some really solid earnings quickly.
8. Swagbucks – Make Your Online Activities Even More Rewarding With This App
If you’re looking for a low-pressure way to make some quick cash, paid surveys are always a great option because you can do them whenever you want to no matter where you are. Plus you get to make your opinions heard on a variety of topics like the products and brands you shop.
The Swagbucks app is one of our favorite go-to’s because on top of the tens of thousands of paid survey opportunities it has to offer, there are so many ways to earn with the app beyond them.
- Shop – Get free coupons (that earn you rewards for redeeming) and online and in-store cash back deals for hundreds of retailers.
- Answer – Take surveys and polls on anything from products and brands you shop to the kind of food you like to eat to travel preferences.
- Watch – Watch videos on a variety of topics like sports, world and entertainment news and more.
Doing all of these activities earns you points you can exchange for cash via PayPal and gift cards from Visa, Amazon, Walmart, Target, Best Buy and more. So you’re basically earning money for doing the things you do online anyway, which sounds pretty great to us!
Swagbucks gives out 7,000 gift cards every day and since 2014, has already paid out more than $430 million in cash rewards to its members (that’s huge)!
9. Boodle – Get Amazon Gift Cards For Trying New Apps And Games On Your Phone
We are always on the hunt for new ways to earn money right on our phone and we just found one that is quickly becoming our absolute favorite: Boodle.
It’s completely free to use and you can earn “coins” doing a variety of different activities:
- Playing popular mobile games
- Trying new apps
- Engaging with well-known brands
- Participating in Boodle’s daily polls
- Referring friends to the app
All really, really easy stuff, and dare we say even fun?
You can then turn those coins in for gift cards to the lifestyle brands you love like Amazon, Nike, Visa, Burger King, Chipotle and many more.
It’s win-win: Have some fun playing games on your phone, and earn gift cards, some of which, like the Amazon gift card you can essentially use like cash for the things you need.
10. Ibotta – Earn Cash For Your Everyday Activities
If you ask most people how much they spend on groceries, they’ll probably tell you it’s way more than they’d like to.
Maybe your grocery bill is high because of a special diet, maybe it’s just because of how expensive things are wherever you live. Whatever the case, Ibotta can help.
Download Ibotta and you’ll get cash back every time you shop at your local supermarket! Upload a receipt and the app will scan it for deals and credit whatever savings it finds to your Ibotta account. Don’t feel like going to the store? Stay at home and shop online at select retailers through the app.
The app works at 198 grocery stores, from Costco to Walmart and 59 convenience stores, from 7-Eleven to Wawa. Whether you’re doing your shopping for the week or grabbing a quick bite to eat, you’ll be earning cash back.
People who use Ibotta regularly when they grocery shop save an average of $199 a year. That’s money back in your pocket for doing nothing!
11. InboxDollars – Earn Cash For Playing Around On Your Phone
We’ve all had moments when money was tight or you’ve been short on cash for an important purchase. And in those moments, we’ve all wished there was a way to make money quickly to ease the struggle without having to put in extra hours at work or get another job (because who has the time or energy?).
Well, we have just the thing to help and you can do it from the comfort of your home — InboxDollars.
InboxDollars reward you with cash and gift cards for taking surveys and giving your opinion.
We’re pretty sure that when you take one survey, you won’t want to stop. You’ll also regularly get opportunities to participate in promos and contests, learn ways to score free product samples and other free items, and get discounts with exclusive coupons.
You’ll get your money delivered to you via PayPal, by mailed check or as gift cards to places like Amazon, Walmart, Best Buy, Target, Groupon — you choose.
12. Shopper’s Voice – Get Free Samples, Coupons And Special Offers
If you’re not too keen on taking a ton of surveys to earn, then Shopper’s Voice is for you.
Taking a single survey with this market research company will get you free samples, coupons and special offers from your favorite brands rolling in all year round!
The survey, which only takes 15 minutes to complete, also earns you entry into the Shopper’s Voice’s sweepstakes where you could win $1,500! That’s not all. You’ll also get the chance to win a gift card ranging from $50 to $250. I repeat take one survey a year and get free stuff and a chance to win big. There’s literally no downside to this.
15-minute survey = free and discounted items for a year + possible cash prizes.
Just sign-up. That’s literally all you have to do to earn.
13. Long Game – Score Free Cash Just For Saving Money
Get free rewards just for saving money? Yes, it’s possible! That’s exactly what you’ll get with Long Game, the personal finance app the turns saving money into a game.
With a Long Game savings account, every dollar you deposit and savings goal you meet earns you coins. You can use the coins you earn to play any of the app’s free games, like Spin to Win, Lucky Slots, and Scratches (it has over 25 games to choose from) that have real cash and cryptocurrency prizes up to $1 million. All games are risk-free, meaning you don’t put down any money to play and you don’t lose money if you lose a game. On top of that, money in your Long Game savings account earns an APY of 0.10%.
Open a spending account with Long Game and earn coins when you spend. Every transaction made with the card gets rounded to the nearest dollar and each RoundUp earns you coins.
All Long Game accounts are FDIC insured and you can withdraw your money from your accounts whenever you want to.
If you need a little extra help or kick in the butt when it comes to meeting your savings goal, use this app as a fun secret weapon.
Sign up for Long Game today and you can try it for free for 30 days. Set up direct deposit afterward and it stays free or just pay $3 a month.
14. Truebill – Lower All Your Bills Almost Instantly
One of the easiest (and worst) ways to waste money is to lose track of where it’s going. With more and more bills becoming automatic charges, staying on top of them can be really hard.
Enter Truebill, an app that organizes all of the bills you’re paying for in one place so you can see exactly where your money is being spent. The app does this by analyzing your spending patterns when you link a bank account or credit/debit card. If you see a subscription you don’t need anymore, don’t really use or just straight up didn’t know you were paying for (yeah, all those free trials expire people) you can cancel them directly through Truebill with the click of a button.
Truebill saved this one user a ton of money:
Even big-time personal finance expert Lynette Khalfani Cox loves the app.
15. Paribus – Find Hidden Cash In Your Inbox
All of those emails you have that are receipts of things you bought online? They might be worth actual gift cards or cash thanks to Paribus.
That’s because once you sign-up for Paribus, it will scan your email for your shopping receipts and monitor for price drops on the things you have bought.
If Paribus detects that there has been a price decrease on something you’ve bought, it will file a price adjustment claim on your behalf so you can recoup the difference.
It’s completely free to use and could make you hundreds – there’s no reason to not give it a shot!
16. Savvy – Pocket An Extra $356 Per Year By Making This One Move
Most people have absolutely no idea — and we mean no idea — that it’s recommended to switch car insurance every year so you are consistently getting the absolute cheapest price. During a recession when you’re likely driving less, doubly so — you might be eligible for even more discounts. In fact, the average person can slash $356 from their annual bill just by comparison shopping according to financial experts. That’s why Savvy is such a game-changer.
Savvy is a virtual insurance shopping assistant that will do a car insurance price check for you in just 30 seconds. In that time, they shop hundreds of insurers for you (other sites only shop a handful) to find you the absolute best deal.
Here’s how it works:
- Connect your existing car insurance policy. Doing this is what enables Savvy to do most of the work on your behalf.
- Review the various options that Savvy comes up with for you, and then lock one of them in.
- Savvy will help you simultaneously cancel your old, overpriced policy while enrolling you in your new policy. They’ll even help you get a full refund on any money your old insurer owes back to you.
Because it’s free to use Savvy, and to get them to price shop on your behalf, you have nothing to lose by trying this. That’s why we are such a big fan of this money hack.
17. Chime – Change Where You Bank So Your Money Is Safe From Fees
Banks make billions of dollars in fees every year — account maintenance fees, overdraft fees, transaction fees. Basically, whatever service a bank provides, there’s typically a fee associated with it one way or another.
Let’s call it as we see it: This is just dumb. When you bank with Chime you won’t have to worry about hidden fees eating up your hard-earned money. Here’s why we love it, and a few reasons why it might not be right for you.
- Chime accounts have no minimum balance fees, monthly fees or foreign transaction fees
- It has more than 38,000 fee-free ATMs via Visa Plus Alliance and MoneyPass.
- Gives access to your paycheck up to 2 days early when you set up direct deposit
- Allows you to save money towards your goals with automatic round ups on purchases made with the Chime debit card
18. Robinhood – Make Money By Investing In Stocks And Bonds
Investing money can be scary, especially for first-timers. There’s so much to learn, plus most financial advisors and firms take a good chunk of your earnings via fees for portfolio management and trade commissions. Who wants to deal with all of that while also putting your money on the line? Not me.
Enter Robinhood, a revolutionary app turning the investment game on its head. This app serves as an online brokerage, but unlike traditional ones, it allows you to trade stocks and exchange-traded funds (ETFs) 100% fee-free.
Download the app for free and then create an account — there’s no minimum deposit required which means you can get started investing right away. And instead of paying a financial advisor to help manage your assets for you, Robinhood gives you the tools you need to manage them yourself within the app, plus educational resources to help you learn along the way.
Robinhood gives you the freedom to invest as little or as much as your comfortable with and saves you money on investment fees, keeping your money yours.