Lazy Ways Moms 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 moms, we know your time is precious. Even 5 minutes away from a preoccupied little one can make a major difference in your sanity and yes, your bathroom time is sacred.

So 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. Never Pay an Overdraft Fee Again - Here’s How

Overdraft fees. Sometimes your bank account is low and you forget about your upcoming Netflix auto-payment. Next thing you know, you’re in the negatives and the bank is emailing you that you’ve been charged a hefty fee.

Skip all the bank fees and apply to Chime, an online bank account with absolutely no monthly fees (yes, seriously) and savings at 0.50% APY1 — which is 8x2 the national average!

Their latest feature, SpotMe, lets you continue with a needed transaction even if you overdraft. That extra $20 you needed for groceries? No worries, Chime will spot you up to $200.* When your next deposit arrives, Chime will just apply it to your negative balance.*

No monthly fees, no minimum balance requirement, no foreign transaction fees, and the account is also FDIC-insured up to $250,000. Members can get paid up to 2 days earlier** too since Chime processes your employer’s deposit immediately, giving you access quicker than traditional banks.

Chime is free to use, so why not give it a shot for a while and see how you like it?

2. 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!

3. Get $10 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. And you don’t have to be rich either.

That’s because Stash, an investment app, lets you start investing with just $1. You can choose where to put your money in and they provide guidance and tools to help you along the way. You can invest in some of the major companies that you use or buy from regularly to make a custom Personal Portfolio.

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

As a bonus, Stash is giving new members $10 for any first investment so create an account to get started.

Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.

4. New Year, New Side Hustles. The Best Side Gigs and Remote Opportunities via This App

Side gigs and work-from-home opportunities are here to stay, and one of the easiest ways to find these jobs is via the free Steady app. Their community of ~3 million people says it’s one of the best free ways to find flexible jobs to earn extra money!

Once you securely link your bank account, the app’s Income Tracker feature will give you personal insights into the extra income you’re making.

Not only can you find thousands of new part-time opportunities every day, but you can also earn cash rewards through their Income Boosters perk. Basically, get paid to try out useful brands!

“I’ve made more money from my part-time gigs through Steady last month than my actual salary and I enjoy these jobs much more than my regular work!” – one of many positive reviews.

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!

5. This Company Will Help Pay Off Your Credit Card Debt (Up to $50,000)

@nardly | Unsplash

Debt sucks but make sure it doesn’t get to Squid Game level debt, you know?

So if you have credit card debt of $50,000 or less, then AmONE can help by matching you with a low-interest loan to pay off all your balances.

This will leave you with just ONE bill each month, making it easier to manage as well as benefiting from a lower interest rate. AmOne starts at just 2.49% APR compared to credit cards that can go as high as 36%!

The lower the APR, the less interest over time you have to pay back which means getting out of debt even faster. Plus using AmONE has no credit score impact and repayment periods are flexible.

It only takes 2 minutes to check and you can get the funds as quick as 1 business day.

6. Get Free Stock Worth Up to $225

@MayoFi | Unsplash

Investing may seem expensive and most people put it off until they have “enough” money for it.

But time is the most important factor and Robinhood lets new investors get started with just $1.

This free trading app lets you trade stocks, ETFs, and options, along with cryptocurrency, commission-free! When your application is approved, they’ll give free stock worth $2.50 up to $225 for new members, with chances to get a high-value stock in Facebook, Microsoft, etc.

With a near-perfect 4.8 score from 2.3 million people, it’s a popular app that you should check out if you’re interested in investing.

7. The Automated Financial Assistant That’ll Help You Save $720/Year

Make savings an all-year event instead of just a new year thing.

Just use Truebill, a free money management app that’s like your personal finance assistant. It groups all your banking accounts together so you can see your earnings and spending in one spot. Plus, it helps you budget even if you don’t know how to.

It’s simple:

  1. Download Truebill for free
  2. Link your bank accounts and credit cards so Truebill can analyze transactions (it’s secure and read-only access!)
  3. You’ll get monthly reports of your spending and how it changes over time

Plus:

  • The app will find all your recurring bills and subscriptions (even those you forgot about)
  • Truebill can help lower your bills by 20% (they negotiate for you)
  • The app also helps you start budgeting and set up auto-savings too

Save easier with Truebill and make your “new year, new you” vows count!

8. Side Hustlers: Save $1,700 a Year with This Bank

Finances can already be confusing but add in self-employment taxes, varying income, 1099-NEC, business deductions, etc? It can be a lot.

That’s why Lili, (awarded best bank account for side hustlers!), helps you focus on what you do best by offering mobile banking designed specifically for freelancers.

Enjoy no account fees, no overdraft fees, no minimum balance, no foreign transaction fees, and you can get paid up to 2 days earlier via direct deposit.

Lili also provides tools that traditional checking doesn’t have like:

  • Expense reports – They’re automatically generated!
  • Expense management – It’s easy (and fun) to categorize by swiping left/right plus no need for separate bank accounts
  • Tax Bucket – Helps you plan & prepare taxes all year long (instead of at the last minute).

It takes 3 minutes to sign up and you’ll get a sleek, fee-free black VISA business debit card that can be used at 38,000+ free ATMs.

They’ve even done the math and by using Lili, you’d save 60 hours and $1,700 per year. And yes, it’s free to sign up!

BONUS: Don’t Miss Out on That $202 RT Deal to Japan Again (+ Similar Trips Up to 90% Off)

Yes, the flight was THAT cheap. It’s over now but don’t miss out again! Want to go to Iceland instead? Greece? Anywhere but here. Start planning for this year and next with the flexibility to change.

Let someone else do the hard work of finding the deals. Scott’s Cheap Flights has a whole team whose job is to search Google Flights and other public search engines to find the really amazing deals. Like, save up to 90% good. And they do this for 12-16 hours a day.

“Was able to get the round-trip for $197! So excited for our first trip to Hawaii – thank you so much!!” – A happy member

To start getting the deals, sign up to be a free member and remember to verify your email. To start getting the really good deals, try out the 14-day free trial (no credit card required), and then, for a limited time, our readers get 25% off the premium membership with promo code: UPGRADE25.

BONUS 2: Spin to Win - Earn Coins to Build Adventurous Villages (And Raid Others)

Note: You can’t make any money off this game but we’re adding it in just because it’s fun and a good way to distract yourself when you want to.

Coin Master is a free casual game that’s amassed over 81 million downloads and has earned the rep of being one of the most interactive games on the market.

Spin to earn coins, chances to raid other villages, and build up your own village to move to the next level. There are over 200 uniquely themed villages to build including Steampunk Land, LA Dreams, Magical Forest, Hell’s Village, and more. Pets can also be raised to help you get more coins.

When you need a little break from the real world, head into Coin Master to play for free!

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