A young man with a smiley face on a bag that is over his head sits at a desk beside a large sack with a dollar sign printed on it.
Advertiser Disclosure
Some of the links in this post are from our sponsors, and we might earn a commission if you click on one.

49 Top Ways to Earn Extra Money, Save Money, Invest Money and More…

Earning extra cash from home (or while you roam) on your smartphone has many benefits.

Here we’ll show you how to combine basic savings, like cutting subscriptions, with earning money.

And if debts are eating or stopping your savings, we’ll deal with that, too.

Along with credit management, easy ways to get started investing, insurance, healthcare and more.

Check it out.

Good Karma for Your Credit? Let’s Check It

Checking it is the key phrase here, no matter how you feel about karma.

Free signup with no credit card info is your starting point to Credit Karma 24/7 free access to your credit scores, reports and much more, including:

  • Updates and ways to focus your financial future
  • Credit card, loan and insurance offers tailored to you
    • In many cases, view your approval odds before applying
  • Product approval comes with a small commission—WIN-WIN

In the wildly competitive financial space, it’s not easy to really know which offer is best for you. Credit Karma shuts down the noise to focus on your best financial offers.

Credit Karma covers a broad range of financial needs, such as:

  • Credit cards and loans
  • Paying down debt
  • Asset tracking and financial growth
  • Checking and savings
  • Auto insurance
  • Tax
  • And more

And it comes with a 4.7 Star-rating based on 2.87 million reviews and over 10M downloads on Google Play.

Could be a WIN-WIN…

Check out Credit Karma here.

Young woman with turquoise hair stands in a forest looking at a modern art installation showing colorful, giant eyes on trees.
Conjure up your own karma. (Or do it the easy way.)

The Money Manual Top Tips

Saving money and making money are basically the same thing. That’s why we usually provide options to do both. “A penny saved is a penny earned” and all that.

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 use them. 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 playtime!