17 Ways for Single Moms to Help Pay Off Debt and Increase Savings

0K Views
by Tess Simmons Updated on April 22, 2022
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.

When it feels like the debt is getting out of hand, it’s time to assess what you owe. You need the big picture of how much money is coming in, and how much money is going out before you can budget effectively and choose what to tackle first. You can do this, momma!

We’re making it a little easier by suggesting some apps you can use to help manage your money more efficiently and save money that you could be wasting. Plus, some options to help you make some side money as well. Read on!

1. Get $35,000 Worth of Debt Paid Regardless of Your Credit

Owe $35,000 or less on credit cards? Find a personal loan using MyLendingWallet to pay off all your balances and consolidate them into one balance to make it easier on yourself.

It takes 2 minutes to find loans regardless of your credit status, with APRs from 5.99% up to 36% max. Their network has over 100 vetted lenders, and you’ll be able to compare side-by-side with no obligation quickly.

There’s no credit score impact by checking and the repayment periods are flexible, ranging from 61 days to 72 months (6 years). Plus, you can get the funds as fast as 24 hours!

2. Take Surveys & Play New Games to Earn Extra Cash

Join over 15 million other members already completing surveys, playing games, and shopping from Swagbucks, a free rewards program where you’ll earn cash for your time. With consistent use, members can earn about $50 a day having fun! Plus, they’ve already paid over $600 million in gift cards and PayPal cash to their members.

Taking surveys is the best way to make money on Swagbucks. They can take 10 minutes or more and topics can revolve around food, beverages, household products, cars, and more. The next best way is to play new-to-you games! As you collect Swagbucks Points (SB) from completing tasks, redeem them for gift cards and cash!

New members can get a free $5 just for signing up, so join Swagbucks and start earning free rewards!

3. Get Free Money Back on All Your Shopping Hauls

Check your pockets; check your purse. And keep receipts for your iPhone.

Just grab all your recent receipts from your coffee runs, grocery trips, restaurants, and gas station fill-ups, scan them into Fetch Rewards on iOS, and earn points for free money! Connect your email account, as well, to count DIGITAL receipts from Amazon, Instacart, and more.

Basically, snap a pic of your receipt from anywhere, and that’s it; you’ve got points for money. There’s no minimum spend, no need to select items manually, scan in any receipt from any store or gas station, and it’ll automatically reward you.

It’s free and easy to use and is a must-have iOS app for anyone who buys stuff!

4. Get Free Cash Back Every Time You Get Groceries, Gas, or Meals

Why not get free money back any chance you can get? That’s why we like Upside, a free cash back app that partners with 100,000+ businesses to bring you great offers you can’t get anywhere else.

On average, frequent users earn an extra $340 a year for just getting things they already buy!

“Easy money back without a catch. I’m getting cash back on stuff I would’ve had to buy anyway. Upside gives you easy savings that you actually see!” – alicejpark90

Wherever you are, just use the app to see where you can get cash back! You can get up to 25¢ per gallon, up to 30% back on groceries, and up to 45% back at restaurants.

Easily cash out via bank transfer, Paypal, or gift card; there’s no limit to how much you can earn. Download Upside for free to earn cash back, and new members can use a welcome code: TSW25 to get an additional 25¢ a gallon on their first gas purchase!

Gas offers are not currently available in NJ, WI, or UT.

5. How to Treat Yourself Despite Inflation Costs

Prices are rising everywhere, but it doesn’t mean you still can’t have nice things. Use Opinion Outpost, a free, online market research program that pays you up to $5 per survey.

It’s easy:

  1. Take short surveys on topics that interest you.
  2. Earn PayPal cash or gift cards for brands like Amazon, Texaco, Southwest, Target, Grubhub & more!

On average, Opinion Outpost pays its members $390K a month for their opinions. Why not make extra cash in your spare time?

And yes, they’re legit. They’ve been around since 2009 and are members of the ESOMAR & the Marketing Research Association, so your info will stay safe and confidential.

Join over 2M+ happy earners sharing their thoughts for awesome rewards. It’s free!

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!


Some of the sponsored links that appear on this page are from companies that offer investment advisory services. They compensate us; for details on our compensation arrangements, please click here.