25 Lazy Ways Dads Can Make an Extra $2,000

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 because talking about money should always be an honest discussion.

Hey dads, we know moms can take all the spotlight. Dads need love too! You’re the backbone of the family, and your presence makes all the difference in the world. 

Regardless of how many incomes there are, potentially making some side money even in the shortest amount of time, could be really helpful. Five minutes here and there can add up to savings as well as extra cash.

What’s even better is that some are from activities you already do, like grocery shopping, etc! Maximize on your spare time from the below lazy and simple ways and you could have a nice sum when you’ll need it eventually. 

1. A Legit Way to Earn $750 This Week

You can get $750 direct deposited into your Cash App account and all you have to do is try out some deals. The catch? You can only do this once every 2 years!

Seriously, anyone 18+ can join Flash Rewards is a rewards program that’s been around since 2016 and has rewarded $11 million dollars to members 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 them figure out what offers & deals to recommend you)
  3. See if any Offers interest you (optional)
  4. Important: Complete 1 Silver, 1 Gold, and 8 Platinum deals to qualify/claim the reward!

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!

2. Fast Personal Loans For Any Type of Credit

Personal loans get a bad rep but if you use them for the right reasons and can pay the reputable lender back, then it’s a valid option when you need some help. For instance, debt consolidation (credit card, student loans, etc.), house repairs or remodel, and unplanned major expenses like medical bills.

Save time and searching effort by using LoansUnder36, a loan matching service for those looking to borrow $500 up to $35K. They’ll 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 easily compare side-by-side with no obligation.

There’s no credit score impact by applying for quotes and the repayment periods are flexible ranging from 61 days to 72 months (6 years). But of course, the longer the period, the more interest it can accrue so plan accordingly!

3. Get Paid for Playing Free Digital Scratch-Offs

Don’t bother going to the store to buy physical scratchers (they get expensive too).

Instead, play digital scratchers for free on Lucktastic to win money from the comfort of your home.

There are a ton of different scratchers to play where you can earn both cash prizes and tokens. Tokens turn into gift cards or contest entries so collect as much as you can!

PRO-TIP to get the most gift cards for free: The more you play, the more big bonuses you can unlock! Play all your scratch cards, look out for Today’s Bonus, and head to the Reward Wall to discover more fun games and cool products. That’ll build up your tokens much faster to redeem for more rewards!

Redeem tokens for:

  • Amazon gift cards
  • Walmart gift cards
  • Dunkin’ Donuts gift cards
  • Check mailed to you
  • Payouts start at just $5!
  • Contest entries into big cash winnings

Lucktastic keeps things free by showing a few ads here and there plus it’s easy to play and multi-task at the same time.

Also until April 2021, their Crack the $1 Million Safe event will reward a lucky winner with up to $1 million dollars! Not bad for playing free scratchers, right? So download now to start earning free gift cards!

4. Instantly Get Paid $1 for Each Survey (No Limit!)

By now, you’re probably familiar with surveys. If not, it’s a great way to earn side cash for just giving anonymous opinions and you can join several survey programs to increase earnings.

Add SurveyTime to your list, because what makes them different from others, is that you’ll instantly get paid $1 after each survey completion. No waiting around to accrue at least $15 to cash out, you can get paid right after!

And there’s no limit either, so you can take as many surveys as you want available. You can choose between Target, Amazon, or Walmart gift cards, PayPal, or Bitcoin via Coinbase.

It’s free & easy to start. Just head here to sign up, check your confirmation email, and answer a few introductory questions.

It takes a few days until the system learns your profile to match you with the best surveys so you might be disqualified for some surveys at the beginning. Then you can take as many surveys as you want and it’ll be clear on the site how long each survey would take. On average, each could take 10 minutes with some being as quick as 3 minutes!

5. Get a Personal Loan Fast Even if You Have Bad Credit

Your credit score is important but sometimes, unfortunate circumstances happen to good people. It’s not always a fair representation of your financial history to be judged by 3 digits.

Even if you have a poor credit score and have been turned down by credit card companies, you could still qualify for a personal loan* for your short-term financial needs.

OppLoans can help. They work to rescue and rebuild middle-income credit-challenged members for a brighter financial future.

Submitting an application won’t impact your FICO credit score^ and you’ll be able to get the best personal loan that you may need for car repairs, medical, family, rent, major purchase, etc.

Here’s who can qualify:

  1. Residents of FL, AL, AR, AZ, DC, DE, GA, HI, ID, IN, KY, KS, LA, ME, MI, MN, MS, MO, MT, ND, NE, NV, NM, OH, OK, OR, RI, SD, TN, TX, UT, SC, WA, WI, WY, or VA
  2. Have a minimum monthly income of $1,500 for the states listed above except AL is $3,500, and GA & ID is $3,000
  3. 18+ years old (19 if from AL or NE) and cannot be an active duty service member
  4. At least 90 days at current employer
  5. Have direct deposit

Qualified borrowers can borrow up to $4,000 depending on creditworthiness and state of residence.* “Payback is on a set term so no surprises and they are cheaper than those payday loans. I was able to get approved in just a few short hours. They really came through and helped me out!” Mike from Clover, SC.

And when monthly payments are made back on the loan, OppLoans will notify the 3 credit bureaus to build up your payment history!+

6. Get Paid in Gift Cards if You’re Chill with Lock Screen Ads

The average person unlocks their phone 110 times per day – that’s a lot of time spent looking at a screen for free.

With S’more you get paid every day you unlock your phone. It’s even easier than it sounds, and since you can cash out with as little as $1 there’s no waiting around for your rewards!

They partner up with brands looking for more impressions (aka your eyeballs) and you don’t need to click on anything to get paid either.

S’mores pays in gift cards so you can redeem for:

  • Amazon.com
  • AMC Theaters
  • Best Buy
  • CVS
  • Target
  • Domino’s Pizza
  • Starbucks and more!

Just use your phone normally, and your earnings will apply daily. Pretty much the easiest thing to do.

7. School Competitors in Solitaire and Ca$h In

Check out Solitaire Cube, which is like regular Solitaire, except you get to play for real cash.

The game matches you with players of the same skill level, so all is fair. You could win some serious cash and prizes, like Katie N. who took home $380,984 as one of the Top 10 Solitaire Cube players! Even casual players like Amanda, a stay-at-home mom from IL, won a 55″ TV, $6,000, and was able to recarpet her home.

It’s easy to start:

  1. Tap now to download from the Samsung Galaxy Store
  2. Follow the instructions on screen to install
  3. Open the app and play!
  4. Practice playing for free and when ready, play for cash!

So if you think you can handle playing some Solitaire Cube to win legit cash, definitely download this game for free to play on your Samsung.

Cash tournaments aren’t available in AZ, AR, CT, DE, LA, ME, MT, SC, SD, TN, IN.

8. Get Paid for Playing Match 3 Games

Puzzle game lovers will love Match to Win, a free to play game where you can win cash rewards through 300+ exciting levels spanning across Hawaii, Paris, San Francisco, and more.

It’s simple. When you clear a level, you earn coins, which are redeemable for instant win scratchers, prize wheels, and sweepstakes up to $2,500! And yes, it’s legit – there are already over 135K reviews with a 4.5 average rating!

Also, join the daily Cash Dash event where players enter a sweepstakes race by collecting in-game trophies. Be among the first Top 25 players for bonus prizes of $5 to $10! Cash out via PayPal when you reach $7.

So download and play for free to start winning cash!

9. The World’s First App That Pays You to Pay Rent

Paying rent each month is non-negotiable but with Piñata, you’ll get paid to pay rent on time.

It’s super simple. Pay rent on time and earn rewards and discounts for doing so. Plus get optional boosts to your credit score too (average increase of 42 points!)

Piñata is completely free to use and any renter can join. Members save over $4,500 a year!

Every time rent is paid, the member gets $20 Piñata Cash, which can then be saved and redeemed for free gift cards to Amazon, Starbucks, The Container Store, Class Pass, and more. You’ll also get access to Piñata Perks, a marketplace that has over 300K+ deals to help you save even more money on top of your rewards.

New members get a welcome bonus of $20 Piñata Cash as well as a $30 gift card so sign up for free now to start getting rewarded for rent day!

10. Make Easy Money Just Trying and Playing Games

One of the best ways to kill time is to check out new games that you can play to have fun and still feel productive. How?

Check out AppStation, an Android app that pays you to try out new games. Yes, you’ll get paid just to play games.

When you earn coins from trying new games, you can redeem for:

  • PayPal Cash
  • Amazon gift card
  • GameStop gift card
  • PlayStation Store gift card
  • Xbox Live gift card
  • And too much more to list

Nab a 4,444 coin welcome bonus too, which is basically around 50 cents in value. And if you don’t like to wait, you can choose to payout as low as $1.

If your friends want to get it on the money action from afar, introduce them to AppStation on Google Play, where you’ll get bonus coins and 25% of all their earnings. To make it a supportive group, your friends will also earn 25% of your earnings too!

11. 3M+ People Agree - This Side Gig and Cash Rewards App is Amazing

One of the easiest ways to find side gigs and WFH opportunities is via the free Steady app. Their community of over 3 million people agrees that it’s one of the best free ways to find flexible jobs to earn money!

Earn extra cash rewards through their Income Boosters perk too. Basically, get paid to try out useful brands to help manage your money even more.

Another great feature: Once you link your bank account (it’s secure!), the Steady’s Income Tools will give you personal insights into the money you’re making.

On average, Steady Members earn over $5,500 in extra income per year. It only takes a few minutes to sign up for free and answer some work history questions and what type of job you’re looking to see opportunities immediately!

12. Not Your Grandma’s Bingo - Play Anywhere for Cash

We’re not talking about the bingo game that cute grandparents play.

Blackout Bingo counts on speed and accuracy. You play against real people and everyone gets the same card and balls so winning comes down to your skills, and not chance. Winners can get both cash and prizes!

Play for free without pop-up ads and when you’re ready, participate in cash tournaments where you can join in on the guaranteed $128,000 prize pool tournament! Get satisfaction winning against others as well as satiating some wanderlust as you travel from New York to Paris, to Hawaii, and more in-game.

Hot Tip: Wait until almost the end of the game to hit Bingo for the most points!

It’s free to download and play and while cash tournaments aren’t available in AZ, AR, CT, DE, LA, MT, SC, SD, and TN, you can still play for prizes.

13. Get Paid Up to $600+ Listening to Free Music

If you don’t go a day without listening to some music, then immediately download this app.

Current is a free Google Play app that literally pays you to listen to music. The more music played, the more you can earn points to redeem for cash, gift cards, and rewards. Choose from 100,000+ radio stations worldwide to discover new music or revisit your favorite artists.

Reward options include Amazon, Target, Starbucks, Google Play gift cards, PayPal Cash, and tech prizes like smartwatches, mini drones, bluetooth speakers, and more.

You can earn up to $600/year or more just listening to free music! The music plays from your Android lock screen and will periodically display muted video ads.

Other ways you can earn while listening to music (all optional):

  • Completely simple tasks/offers + surveys
  • Play games, the longer you play the more you earn
  • Watch simple 30-second video ads
  • Save money on your monthly bills
  • Refer friends to get up to $250 and 5% of their music earnings for life

Turn on the app whenever you want to listen to music and earn extra money while doing errands, jogging, working, or when you need a mood booster!

14. Play B-I-N-G-O for Up to $25,000 C-A-S-H!

When you think of bingo, you probably envision a room full of seniors stamping number cards. In other words, not terribly exciting.

But Bingo Clash is the free modern version where you can play on your Samsung, and win big with cash and real-life prizes. There are daily cash prizes as well as weeklong tournaments with prize pools that can go up to $25,000!

You play against other people of similar skill in 1v1, tournaments, or multiplayer. It’s fair play as everyone gets the same card and the same numbers called out, but it’s how fast and accurate you are that will declare the winner!

Pro-tip: Don’t hit the Bingo button until almost the end of the game to rack up bonus points!

Play cash games for the bigger prizes but note that they aren’t available in these states AZ, AK, CT, DE, LA, MT, SC, SD, TN, and VT. However, Bingo Clash is free to play, is fun, and you could win cash/prizes, so check it out!

15. Get Paid to Try New Games. Every Gamer’s Dream.

Adobe

Who would’ve thought you can play games to make some money? Especially now when that’s easy to do from home.

All you need is Mistplay, an Android game platform where you can try new games to earn points redeemable for gift cards like Amazon, VISA, PlayStation Network, XBOX Live, and more.

In this Google Play app, all available free games are listed so just take your pick to try, especially high unit multiplier games! For example, the 4x unit multiplier games will earn you 8 times more units (and dollars) per level than the 0.5x unit multiplier games.

You’ll only get paid for playing games if Mistplay is running so be sure to always install games from the Mistplay app!

16. Switch to Car Insurance as Low as $29/Month to Save Big

When was the last time you thought about car insurance? Most people only think about their insurance if they’re involved in an accident but rates change constantly.

Meaning you could be saving a lot of money and you wouldn’t have even known. On average, you’re probably spending $800+/year more than you need to.

You can easily check how much you can save with QuoteWizard, an auto insurance matching service provided by LendingTree. It’s just one form, and they’ll search through providers that include known companies like State Farm, Allstate, Farmers Insurance, and more.

Your monthly rate could be as low as $29/month! All you need is to fill out one form that asks the usual questions related to driver, car, and location and you’ll be matched with the best-for-you options. It’s easy and free to check, so see how you can save!

17. Get Up to 15% Cash Back The Next Time You Buy Something (Even Meals)

Free Cash Back.

That’s what you’ll get when you join Rakuten, who already has over 17 million members and has earned $2.2 billion in free Cash Back.

Shop at over 2,500 online stores and get up to 15% Cash Back on items you were already going to buy! More of an in-store shopper? They’ve got Cash Back for that too. You can also get 5% Cash Back on over 10,000 restaurants for each dining bill, including tax and tip.

Rakuten is free to join, and with no limit on how much Cash Back you can earn and no rebate forms to fill out, it’s just one of those apps you have to have on your phone. Just remember to open Rakuten first before any shopping trip as well as link any credit cards you regularly use to automatically get dining Cash Back.

New members also get a $10 welcome bonus plus get $25 for each friend you refer!

18. Never Overpay for Car Insurance - Save $826 a Year

On average you’re spending $826/year more than you need to on car insurance but in general, people don’t make the effort to check.

But you can check how much you can save in literally 30 seconds. It’s easy:

  1. Head over to The Smart Wallet’s auto insurance portal and connect your current insurance (no long form to fill out!)
  2. We’ll instantly check for a better deal
  3. See your savings!

Once we find you a better deal and you choose to switch, we’ll help you cancel your old policy, enroll you in the better one, and get a full refund on the unused portion of your prior payments. It’s the simplest and easiest way to get a refund on your overpriced car insurance policy.

19. Turn Errands into Earnings with Free Cash Back

About to get some gas, groceries, and/or hit up a restaurant?

Turn to GetUpside, a free cash back app that partners with over 30,000 local businesses, which include Shell, 76, Popeye’s, Papa John’s, Gelson’s, Safeway, and many more. You can earn an extra $148 a year (on average)!

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. For errands you were already going to do anyway!

Easily cash out via bank transfer, Paypal, or gift card and there’s no limit to how much you can earn. Download GetUpside for free to start earning cash back and new members can use a welcome code: AFF20 to get an additional 20¢ a gallon on their first gas purchase!

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

20. Fetch All Your Receipts (Even Virtual) & Get Free Money Back

Alice Ly / The Smart Wallet

Check your pockets; check your purse. And keep email receipts.

Grab all the recent receipts you have and scan them into Fetch Rewards to earn points towards free money. Even better? Connect your email inbox and it’ll count your email receipts too from Amazon, Instacart, Shipt, and more!

Basically, shop at any store (grocery, drugstore, warehouse, everywhere and online), snap a pic with the app, and boom, you’ve got points for money. Upload your restaurant and drive-thru receipts too.

There’s no minimum spend, no need to manually select items, just scan in any receipt from any store and it’ll automatically reward you.

Be sure to grab 2,000 welcome points on us when you use promo code REWARD before scanning your first receipt!

21. Play the World’s Favorite Hunting Game to Win Cash

The legendary Big Buck Hunter arcade game is now available on your Samsung, so you can hone your hunting skills wherever you are! The difference between the arcade version and this one? The opportunity to earn actual cash for winning!

So hunt down bucks, earn extra points for marksmanship, and compete against other real players for money in Big Buck Hunter: Marksman, a game that’s easy-to-play but hard to master.

Aim for the heart or head for faster kills and only go for the bucks (don’t shoot the does!). Each shot has a limited amount of slow-mo so use your time wisely to earn the kills. Practice all you want and when ready, compete in the tournaments to win cash prizes!

Cash tournaments aren’t available in AZ, AR, CT, DE, LA, MT, SC, SD, and TN but you can still play to win other great prizes.

22. The Secret to Getting Free Cash Back

Alice Ly / The Bill Wizard

$200 a year. That’s how much free money on average a member gets just by using Ibotta, a free app that pays you real money on your everyday purchases.

That includes your groceries (online/in-store), essentials, food delivery, online shopping, basically anything. All you need to do is scan the receipt.

It’s super simple:

  1. Just check Ibotta first before shopping at your fav stores or delivery services
  2. Choose what offers or digital rebates you want (even mall rebates and restaurants!)
  3. Scan your receipt(s) into the app and get cash back!

Ibotta is free to download and you’ll also get $10 in Welcome Bonuses when you sign up! It’s like you’re getting paid to shop.

23. Get Paid to Save and Bank Just by Playing Games

If you were rewarded for doing something fun, wouldn’t you keep on doing it?

In this case, Long Game is rewarding its members for responsible saving and spending just by playing free games on their app and making banking fun. Games are light and easy-to-play (think scratchers, slots, match 3, and more) and you can win daily cash prizes up to $1M (yes, million) and crypto too!

When you sign up for one of Long Game’s partner banks and link your new account, you access the games. You get a full banking experience with one of Long Game’s partners plus all the rewards and games Long Game offers for free!

Here’s how it works:

  1. Download Long Game
  2. Sign up with one of Long Game’s partner banks
  3. Link your new bank account so money can be transferred or withdrawn whenever you want
  4. Start playing games and getting rewarded for saving!

24. Play Free Trivia, Win Real Cash

Trivia and game show lovers, this one’s for you.

Play 100% free trivia on Lucky Trivia Live and you can win Stars to be redeemed for contest entries for major cash prizes! Currently, there’s the $25,000 Livin’ Life prize and the $1 Million Jackpot just to name a few.

Trivia categories include Pop Culture, Sports, History, Math, and Science and there are 12 questions daily. Every time you answer a question correctly, you’ll win stars!

Plus, over $10 million dollars have been awarded to lucky players already.

Play more to win more, and since it’s free to download and play, there’s no harm trying to get free cash!

25. Instantly Raise Your Credit Scores (For Free!) Using Phone & Utility Bills

Adobe

The 3 most important digits of your life is your credit score. Get an instant increase for free with Experian Boost™ which adds your positive payment history from phone, utility, & streaming services bills to your Experian credit file. (Yes, your Netflix® payment counts!*)

On average, members see a 12 point increase. All you need is a free Experian Boost membership and a few minutes to connect read-only permission to the online bank accounts you use to pay bills so Experian® can credit your history properly.

This process doesn’t hurt your credit at all and you can choose to remove the boost if you want. Try out the fastest and no-cost way to instantly improve your credit scores!

Results may vary, see website for details.

BONUS: Get $5* to Invest in Google, Amazon, Tesla, Netflix, and More

Office Manager Sarah investing with $5 / Danny Guinta /*Photo for illustrative purposes only

You might think that investing is complicated. Or that you’ll never get a share of these well-known brands like Google, Amazon, Tesla, etc., but you can.1 And you don’t have to be rich either.

That’s because Stash, an investment app, lets you start investing with just $1.1 You can choose where to put your money in and they provide guidance and tools to help you along the way.3 You can invest in some of the major companies that you use or buy from regularly to make a custom Personal Portfolio4.

With Stash Growth and Stash+, you can also choose the Smart Portfolio4 option which offers hands-off stress-free investing since Stash will invest for you based on your risk tolerance.5 Plus claim bonus stock when you attend Stash’s virtual Stock Parties!

As a bonus, Stash is giving new members $5 for any first investment so create an account to get started.2

BONUS 2: Go Ahead and Spend More Time on Your Phone (For Money)

Alert: PlayKarma pays you to use your phone.

Earn points for playing recommended games – the more time you spend playing, the more points you earn. After accruing enough points, you can redeem them for cash and gift cards.

There are lots of freebie points to start and you’ll earn DOUBLE POINTS on weekends and random weekdays! Use bonus scratchers and achievement badges to speed up your earnings.

Bonus! Our readers get 1,000 welcome points just for installing PlayKarma – this will get you more than halfway to your first gift card. It costs you nothing to rack up points and you’ll be able to cash out via PayPal or gift cards to Target, Amazon, Starbucks, and more.

Even if you’re not on your phone, you can still earn via their referral program. PlayKarma will reward you 750 points for each qualified referral + 30% of your referral’s points for life (no limit)!

BONUS 3: Play Games, Get Gift Cards. Play More to Earn More

Alice Ly | The Smart Wallet

You love playing mobile games so why not get rewarded for it? Earn your first $5 gift card within 48 hours for something you were already going to do!

Just play through Rewarded Play, a free-to-download Android app with hundreds of games to choose from; including Yahtzee, Scrabble Go, and Design Home.

You can also play board games, dice games, card games, casino games, and a lot more.

Then redeem points for gift cards from 20+ retailers including favorites like Target, Amazon, Walmart, Best Buy, etc. The games are fun and an easy way to earn some cash. As a bonus, there is an active customer support team!

BONUS 4: Own Any Stock Starting at $1 and Learn from Real Investors

Investing sounds fancy and intimidating but in truth, anyone can do it. You don’t have to have thousands of dollars either to get a share of your favorite companies like Apple, Peloton, Target, Uber, Tesla, and more.

With Public, a social-investing app, you can buy any stock you want for as little as $1, all commission-free. Plus, you won’t have to figure it out alone. Follow other investors on the app (financial experts, entrepreneurs, celebrities, athletes, etc.) and get a first-hand look at what they’re investing in and why. You’ll be able to buy the same stock or ETF with however much money you’re comfortable with!

Learn tips from the transparent community to build your financial literacy, invite friends and earn free stock, and see what Wall Street Thinks to buy, hold, or sell what you have.

Public makes it easy for everyone to invest in the companies they believe in with no minimums, $0 commissions, and a robust community to gain knowledge from!

BONUS 5: Play Solitaire to Win Cash. No Longer a Single Player Game.

Less than a few minutes. That’s all you need to win real cash when you play Solitaire Cash, a fun Solitaire game with a modern twist.

It’s like regular Solitaire but you compete against other players at the same skill-level as yours to see who can solve the deck the fastest, and for cash! Play in groups of 5 or more and the top 3 for each game wins.

Players have already won thousands of dollars! Solitaire Cash is free to download and play but cash tournaments are specifically not available in AZ, AR, IN, IA, LA, ME, MD, SC, MT & SD.

If you like playing quick games for chances to win cash, check it out.

BONUS 6: This Paid Survey Panel Gives Out 7,000 Gift Cards Daily

There are a lot of survey programs out there, but none as popular as Swagbucks, a free rewards program where you can earn cash for your time and opinion. Members can earn an average of $50 a month!

You get rewarded for doing surveys, searching the web, reading articles, watching videos, and playing fun games but the one activity that earns you the most points is completing surveys. (Don’t skip out on those!)

Points can then be redeemed for free gift cards, cash, and sweepstakes entries. All just by completing fun activities and giving your opinions.

New members can get a free $5 just for signing up, so join the other 10 million members already part of Swagbucks and start earning free rewards!

BONUS 7: Check Your Credit Score For Free

It’s smart to keep an eye on your credit score to make sure it doesn’t decrease due to unknown errors. Did you know that a low credit score could affect your ability to get a low mortgage rate or even get a car? Those 3 numbers are extremely important!

Credit Sesame is a free credit monitoring service that helps you improve and maintain your score. No credit card is needed!

You’ll get an easy-to-read view of your total debt plus everything that’s contributing to your current score like credit usage, credit age, inquiries, and payment history. It also comes with personal recommendations to help increase your score.

Credit Sesame alerted me immediately when my score decreased because of a credit card and I was able to fix it right away. It’s free to use so this is definitely a must-have in everyone’s life.

BONUS 8: More New Games, More Cash to Earn

When you’re ready to add even more games to your lineup, then download Cash ‘Em All, an Android app that pays you to try out new games for yes, you guessed it, for cash. All are free to download!

Just earn coins from trying new games, and then you can redeem for:

  • PayPal Cash
  • Amazon gift card
  • GameStop gift card
  • PlayStation Store gift card
  • Xbox Live gift card
  • And more good stuff

A 4,444 coin welcome bonus is yours immediately too when you sign in.  (Worth 50 cents!) If you’re impatient, you can cash out as low as $1 as well.

Enjoy playing new-to-you games for some side fun money on your Android!

BONUS 9: Never Pay Overdraft Fees Again - Banking That Has Your Back

On average, people pay $250/year just on overdraft fees!

Instead of charging you for silly fees, Chime, has your back. It’s an award-winning (and free to use) mobile banking app that lets you overdraft up to $200 with no fees1 via their SpotMe benefit. This means that $8 you were short on at the grocery store gets spotted and your account won’t overdraft, saving you money. Plus, you get a sleek-looking debit card!

Combined with no hidden fees, the ability to get paid up to 2 days earlier,2 and auto-savings starting at 0.50% APY3 makes Chime a stellar online banking option that doesn’t focus on profiting off of you like traditional banks.

Since Chime is free to use, give it a shot and see how you like it.

BONUS 10: Buy Now, Pay Later. Anywhere and No Hidden Fees

“Easy to use and a lifesaver during this pandemic when we have to watch what we spend due to income being messed up. I love that I can still buy gifts or items I need and do it on a payment plan.”

“I was in a situation where I needed tires but didn’t have the money for it all. This app gave me the ability to not only get new tires but not be entirely broke after.”

These are just some of the many positive reviews about Zip (previously called QuadPay), a free app that lets you split any purchase anywhere (online & in-store) into 4 payments over 6 weeks. Great for emergencies or when you want the flexibility to pay over time without stress!

How does it work?

  1. Download and sign up for Zip (No long forms, get instant approval, and no hard credit checks!)
  2. Browse the store directory or search for your favorite stores online.
  3. Choose “Pay with Zip” on the checkout page
  4. Enter the total purchase amount (inclusive of shipping and taxes)
  5. Complete your transaction and enjoy your purchase right away

Zip will automatically split your payments into 4 installments using your linked card. If you need to return an item, you’ll be refunded like normal. Try this completely free app with no hidden fees on your next purchase.

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