Money Moves if You Make Less Than $80,000 a Year

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by The Smart Wallet Updated on October 17, 2022
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After taxes, that money goes down quickly. Not to mention, you still got rent, food, gas, and bills.

If it feels like you’re working to pay off the essentials, then it’s time to look for alternative ways to make or save some extra cash.  And it doesn’t have to be boring, nor do you need to take on a 2nd job!

It’s stuff you already do, like grocery shopping, playing games, getting gas, and making different financial choices. Five minutes here and there can make a difference.

1. Try This All-You-Can-Play Games Collection On Your Phone

Similar to streaming services that almost every household has, there’s now a similar version for games on your phone.

Apple Arcade brings an extensive library of 200+ games and growing of exclusive Arcade Originals, Timeless Classics, and App Store Greats for your family to play across iPhone, iPad, Mac, and Apple TV.

A generous 1-month free trial can let you try out the service before paying only $4.99 a month to keep the entertaining service.

Apple Arcade gives access to up to 6 family members at once, and you can quickly start playing on one device and pick up progress on another. Traveling? Download games so you can play even in airplane mode!

PROMO: Get $5 cash back just for trying it out!

2. 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!

3. 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!

4. Get Up to $55 Per Win Popping Bubbles

Make consistent extra money playing Bubble Cash, where you match 3 bubbles of the same color until you clear the board. It’s popular, too, since the game is frequently ranked within the Top 10 in the App Store with a 4.6/5 star rating with over 120K+ reviews!

Win free cash when you collect enough gems to enter practice tournaments, and then win MORE when you enter the higher stakes tournaments (there’s a small entry fee for the bigger tournaments).

“Finally, a game that isn’t a scam! I won $71 yesterday on Sunday, and today on Monday, it was already in my Paypal” – Mzmari

Play for free now, and then switch to cash games to increase your winnings whenever you want. Obviously, this won’t make you rich, but 100% worth it compared to other games that don’t pay.

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. 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!

7. 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!

8. 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.

9. 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.

10. 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!

11. 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!

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