Can’t Sleep? 25+ Productive (And Fun) Money Moves To Make at 2 AM

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by Tess Simmons Updated on November 12, 2024

It’s late, and your mind just won’t turn off. Instead of scrolling through another social media feed, let’s keep you occupied with extra ways to earn money. Yep, even when it’s 2 a.m. and you’re lying in bed.

Most you can do through your phone, and they’re fun and productive options, too, like playing games, setting up for your errands the next day, and more.

Bookmark this and keep it handy the next time you’re having trouble falling asleep but want to make use of your time!

1. How to Earn Up To $120 or More Without Stress!

Earn extra cash by playing popular mobile games, taking surveys, watching videos, referring friends and family, and more! KashKick is free to use, and sign-up is super easy.

KashKick also pays you to refer friends and family, and you can earn a 25% Bonus off any offers your friends and family complete! (If your referral earns $100, you earn $25!)

“Kashkick saved my life! I lost my job, and thanks to KashKick, I get a little side income to pay a couple of bills.” – Shanice, New Orleans.

Find a new side hustle through this app and check daily to make that money wherever you are.

2. Earn Up to $750 Trying Out Offers

Try out offers and get rewarded. That’s the gist of Earn Big Rewards, a fun program where you can earn up to $750 (or even $1,000 if you’re ambitious) just by checking out sponsored offers from their partners.

Over 1 million members have gone through and got their rewards, and you can too! It’s simple.

Offers and deals vary, but the most important thing to know is that different levels have different rewards. Lower levels yield smaller rewards, while Level 5 will get you $500, $750, or $1,000.

You’ll be able to choose from mobile games, free trials, subscriptions, streaming services, and more after answering some quick questions.

Once you complete the levels you want, you can cash out and get the reward in a week!

3. The Money App Backed by Celebrities That Saves AND Invests for You

Acorns has caught the attention (and their investments) of Blackrock, Paypal, and major names like Dwayne Johnson and more. Plus, they have about 10 million all-time customers!

That’s because Acorns automatically saves and invests your spare change from every purchase with the Round-Ups® feature. You’ll get a diversified portfolio picked by experts based on your investment profile.

You only need $5 to start investing, and when you set up recurring investments, you’ll get a $20 bonus!

Get started in under 5 minutes with no financial experience or expertise needed. You’ll also get access to retirement, investing for families, rewards, and more based on your subscription plan.

With no hidden fees, Acorns makes it easy to invest in your future with your spare change!

4. Ask This Company To Pay Off Your Outstanding Credit Card Debt

It’s 2024, and you want to body slam that debt down and keep it down. You just need a little help doing it.

MyLendingWallet can help if you have under $35,000 in debt. They’ll offer a personal loan that pays off all your balances and consolidate them into one balance to make it easier on yourself.

Regardless of credit status, you can quickly determine if you qualify for a loan with APRs ranging from 5.99% to 36% max. Since their network has over 100 vetted lenders, you’ll be able to compare with no obligation either.

You can get funds as fast as 24 hours, and they have flexible repayment periods (61 days to 72 months!). Even better? There’s no credit score impact to check, so see how LoansUnder36 can help now! It only takes 2 minutes.

5. This Company Will Help You Get Out of Debt

Debt happens, but don’t let it overwhelm you by not addressing it immediately. Ease that stress and resolve it with National Debt Relief.

They’re rated #1 for debt settlement on top consumer review sites and A+ with the BBB, so if you have over $10,000 in debt, you can get a free, no-obligation debt relief consultation. Whether the debt is from credit cards, medical bills, collections, etc., they’ll create an affordable plan that works with your budget.

Get out of debt faster than you think, and there are no fees until your debt is resolved, which can be as soon as 24-48 months. Check now since it only takes minutes to see if you qualify.

6. Get Paid Up to $225/Month While Watching Viral Videos and Taking Fun Surveys

Founded in 2000, Inbox Dollars has been paying customers for their opinions for over 24 years and counting! They are one of the most trusted survey sites with fun, multiple ways to earn extra cash that set them apart.

“Fast and easy. Love that I can cash out to my PayPal and easily transfer money to my bank account.” – Tefanie P

Take surveys, watch videos, play games, and even read emails for extra cash. Who wouldn’t want to watch viral videos for money and get paid up to $225/month?

Inbox Dollars is a great platform to make a little side money. It’s free to sign up, so give it a try today!

7. Free Rewards Program Gives Out 7,000 Gift Cards Daily

There are a lot of survey programs out there, but none are as popular as Swagbucks, a free rewards program where you can earn free cash for your time and opinion. They’ve paid out over $885 million to their members already and they’ve been in business for 15 years.

Earn points for doing surveys, online shopping, uploading receipts, and playing fun games then redeem the points for free gift cards to Amazon and Walmart or choose PayPal cash. 

New members can get a free $10 just for signing up, so join the other 10 million members already part of Swagbucks and start earning free rewards!

8. Here’s How to Legally Bet On Games

If you can read this, it means you can legally bet on your favorite team and players.

Do it with FanDuel Sportsbook, America’s #1 online sportsbook, where you can safely, legally, and securely bet on sports.

It’s simple to get started:

  1. Create an account with FanDuel Sportsbook & deposit at least $10
  2. Find your game and the outcome you want to bet on
  3. New users get an amazing promo: bet $5 and get $200 in bonus bets guaranteed

Don’t be a sideline sitter; dive into the games with some bets. Just bet $5, and you’ll get $200 in bonus bets guaranteed, WIN OR LOSE.

21+ in select states. First online real money wager only. $10 Deposit req. Refund issued as non-withdrawable bonus bets that expire in 14 days. Restrictions apply. See full terms at fanduel.com/sportsbook. FanDuel is offering online sports wagering in Kansas under an agreement with Kansas Star Casino, LLC. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MI, NJ, OH, PA, IL, TN, VA), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), visit www.mdgamblinghelp.org (MD), 1-877-8-HOPENY or text HOPENY (467369) (NY), 1-800-522-4700 (WY), or visit www.1800gambler.net (WV).

9. When It’s 2024, and You Still Have Credit Card Debt Under $100,000

Stop the anxiety attacks by getting rid of your debt. If you owe $100,000 or less, AmONE can help by matching you with a low-interest loan to pay off all your balances. Problem solved.

Their interest rates start at just 6.40% compared to credit cards, which can go as high as 36%! Plus, it’s only one monthly bill, making it way easier to manage.

There’s also no credit score impact to check, and repayment periods are flexible. Take 2 minutes to check, and you can get funds as quickly as 48 hours to wipe that credit card debt!

10. Earn Up to $1,000/Month Testing Apps, Games, & Surveys (+$5 Bonus)

There are plenty of ways to make money online, but what’s really worth your time? That’s what we’re constantly researching.

The millions of people who have already joined Freecash made their opinions clear. It’s definitely worth it. Like them, you can earn up to $1,000 extra cash a month just by testing apps and games and joining surveys. Increase your chances to earn even MORE if you make purchases within your offer (even small amounts!)

With over 14,500 offers available, you have plenty of options to make money from. It’s simple:

  1. After signing up for free on Freecash, you’ll get an exclusive $5 bonus
  2. Choose your offers on the Earn page
  3. Complete the offer (some take 5-10 minutes, but games could take longer, so making a purchase, even a small one, can speed up your earnings!)
  4. Get paid! Each completed task gives coins that you can redeem for real gift cards, PayPal, cryptocurrency, and more

With daily bonuses and instant cashouts, no wonder it’s rated 4.6 on TrustPilot with over 64,000 reviews. Users have earned over $50M on Freecash since 2020, so sign up to see how much you can make and get your free $5 welcome bonus!

11. Earn Up to $1,000/Month Testing Apps, Games, & Surveys

We were surprised when we saw how fast this rewards program paid out!

Check out Scrambly, the free platform that lets you earn cash rewards just for trying out new games and apps. You can immediately withdraw to your PayPal starting at $1, and signing up for the program gives you $0.50, so you’re already halfway there.

Millions of users are earning on Scrambly, plus it’s rated an impressive 4.7 on Trustpilot. You can earn up to $100 with each offer, so your rewards can actually add up fast. Who wouldn’t want to earn hundreds of dollars each month?

Also, be sure to fill out that profile survey! You’ll get rewarded, and Scrambly will know what offers to handpick for you. Ready to start making cash?

12. A Legit Way to Earn $750 This Week

You can get $750 direct deposited into your bank account and all you have to do is try out some deals. The catch? You can only do this once a year!

Seriously, anyone 18+ can participate in Flash Rewards, a rewards program that’s been around since 2016 and has rewarded $12 million to participants over time.

So how do you get the money? Answer: You just have to follow the instructions carefully!

Flash Rewards work by showing you “deals” they think you would like. This includes mobile apps and games, subscriptions, financial services, etc. Each type of deal you choose has its own mini task to complete.

  1. Head over to Flash Rewards and fill out basic info (Email, Name, etc.)
  2. Take a quick Survey (it helps figure out the optional offers & required deals to recommend)
  3. Complete deals by shopping Flash Rewards’ great brand name partners.
  4. Important: Follow the instructions on completing the specific number of deals for each level and get to Level 5 to get the maximum reward! (there are plenty of deals to try – some are free trials or app downloads, others require a purchase!)
  5. Claim the reward and get it in about a week!

You won’t get your reward if you don’t complete the required amount of deals. Sure, it takes a little more effort but it’s legit. Get your $750!

13. A New Way to Earn Up to $250 Cash

What can $250 get you nowadays? How about 16 months of Netflix or maybe 50 Starbucks drinks? Or you can beef up your savings and pay some bills. Regardless, $250 can do a lot, and YOU can get that cash with MyCashQuest, a new way to earn some fun money.

Simply put, just complete challenges to earn cash and they all revolve around playing games. You’ll install the games and reach specific levels depending on the challenge.

It’s simple:

  1. Sign up at MyCashQuest
  2. Answer some brief questions (it’ll help them pick what you might like!)
  3. Start picking challenges to do on your phone
  4. Claim your money and get it in about a week!

If you opt for the $250 challenge every 30 days, you can technically earn $3,000 for the year!

14. Under $100K+ in Debt? Ask This Company for Help

Ease that debt weight off your shoulders and see if you qualify for debt settlement with AmONE. If you have under $100,000 in debt, you can take the first step in checking your options, which is free to get started without impacting your credit.

Debt settlement can substantially reduce your monthly payment and provide a more flexible 2-4 years repayment plan. This type of debt relief will have you settling your debt for less than you originally owe.

Learn more about it at AmONE to see if you can ease that burden!

15. Over $55,000 Paid to Members Daily - Join for Free

It’s about time you got paid for your opinions, right? It’s free and fun with Survey Junkie, which pays you with PayPal, gift cards, or directly to your bank account. Members get paid every day, and they’ve already paid out $76 million so far, so join to get your share!

“It’s easy to use, and you can get paid the same day. I really like that you can make a little bit of extra money,” Gabe L.

Just follow these simple steps:

  1. Click here to sign up for a free Survey Junkie account
  2. Take surveys
  3. Repeat daily and get paid; there’s no limit!

It only takes a few minutes to join Survey Junkie but remember to verify your email address.

Completing each survey earns you 20 to 100 points. Each point is worth one cent, and when you hit 500 points (or $5), you can cash out, which is one of the earliest cash out points we’ve seen!

16. Over $55,000 Paid to Members Daily - Join for Free

It’s about time you got paid for your opinions, right? It’s free and fun with Survey Junkie, which pays you with PayPal, gift cards, or directly to your bank account. Members get paid every day, and they’ve already paid out $76 million so far, so join to get your share!

“It’s easy to use, and you can get paid the same day. I really like that you can make a little bit of extra money,” Gabe L.

Just follow these simple steps:

  1. Click here to sign up for a free Survey Junkie account
  2. Take surveys
  3. Repeat daily and get paid; there’s no limit!

It only takes a few minutes to join Survey Junkie but remember to verify your email address.

Completing each survey earns you 20 to 100 points. Each point is worth one cent, and when you hit 500 points (or $5), you can cash out, which is one of the earliest cash out points we’ve seen!

17. This Company Pays Up to $5 for Every Survey You Complete

Getting paid for your opinions isn’t new and won’t make you rich, but it’s extra money that you otherwise wouldn’t have.

Sign up for Opinion Outpost (it’s free to join!), where they typically pay out $390K a month to their members just for completing surveys, including product tests (before items hit the shelf!), ad reviews (feedback on ads before launch), focus groups, and more. Earn up to $5 for every survey you complete and there’s no limit to how many you can take!

Important: Be sure to verify your email address so you can start earning!

Cash out starting at 50 points ($5) via PayPal or choose gift cards to Amazon, Target, Apple, and more. These are easy surveys with quick payouts, available 24/7, and you’ll help brands improve their products. Join the 25 million members worldwide already earning extra cash for free since 1998!


Disclosure: We’re letting you know that this post contains sponsored links which The Smart Wallet receives compensation for, which may impact their order of appearance. This site doesn’t include all available offers.