Practical (and Fun) Money Mandates for Your Financial Life

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.

Mandates may not be widely appreciated but we made some for fun that you could get behind.

How about making some side money in the shortest amount of time possible? Sign us up. Five minutes here and there can add up to savings as well as extra cash to use for fun.

What’s even better is that some are from activities you already do, like grocery shopping, etc! Maximize your spare time from the ways and you could have a nice sum to spend whenever you need it.

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

Bingo Clash is the free modern version of bingo where you can play on your iPhone, and win big with cash and real-life prizes. Daily cash prizes and weeklong tournaments have prize pools that go up to $25,000! You can also win items like iPads, kitchen appliances, LEGO sets, other electronics, even cars.

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 iOS is free to play, is fun, and you could win prizes, so check it out!

2. Play 3 Minute Games & Win Cash Over $1,000 Every Day

Productive games? It’s a thing. Check out Pocket7Games which despite the name, actually has 9 different classic games to choose from like Bingo Clash, Bubble Shot, 2048 Blitz, and more. 

Every day over $1,000 free cash is awarded to players who join the free entry events.  Win Amazon gift cards, and tech prizes like Xbox, AirPods, and iPads, too. Never be bored with plenty of surprise events and activities that give free cash plus earn up to $40 per friend referral!

More than $70M in prizes have already been rewarded so get in on your share of the fun. Note that cash games are not available in AZ, AR, CT, DE, LA, MT, SC, SD, TN, VT.

3. 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!

4. 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. 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 $5 for any first investment so create an account to get started.

5. 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, 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 more prizes.

For a limited time, get a head-start in games with Aces already on the Foundation piles!

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

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

6. Turn Your iOS Screen Time Data Into Cash

Share information on how you use your smartphone and get rewarded with the MSR app.

MSR uses simple “video tasks” instead of boring surveys. A 2-minute video task pays out as much as an average 20-minute survey on other platforms. Easy! And for the rest of Sept., get up to 60% more points!

You’ll earn points and redeem free gift cards from 40+ brands including Amazon, VISA, and more. Or you can earn straight cash via PayPal. Plus, it’s free to join!

Within the first 4 weeks, members have earned more than $20 in rewards with minimal effort. There are also surveys and other earning opportunities available.

For extra rewards, refer friends to earn 40% of everything they get for passive earning!

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

Ditch the paper sheets and giant stamps in favor of Blackout Bingo, a fast-paced and competitive bingo game that you can play anywhere on your phone. And even against your friends virtually.

2 minutes. That’s all you need per game where you play against another person around the world. Tap the numbers fast and correctly to get bonus boosts for more points!

Play for free against real people for prizes or switch over to cash games to win…cash! Cash game winners can win up to $1,000 or more in mini-tournaments but aren’t available in AZ, AR, CT, DE, LA, MT, SC, SD, and TN.

8. 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!

9. Instantly Get Up to $5K Access to Capital

Calling all self-employed individuals and small business owners in this growing gig economy. If you need instant access to capital, apply for Giggle Finance, which has no fees to apply nor does it affect your credit score! You can get instant funding up to $5,000.

To qualify, your business must be established for at least 3 months and make more than $3,000 a month. Business eligibility can range from rideshares to lawn care, to event planners, to Avon.

Giggle Finance analyzes your bank statements to determine what your business can afford. It’s one of the easiest ways to get instant funding without fees or credit checks, so check how much you can qualify for!

10. Scan the Stuff You Buy & Get Free Rewards

The exclusive National Consumer Panel (NCP) program is opening up again for more participants! Make your voice heard and get paid for it!

Panelists use the app to scan barcodes of items purchased & provide details. You’ll then earn points for gift cards, tech like tablets and flat-screen TVs, and much more from their gift catalog!

The more you share your shopping habits (scan barcodes), the more rewards you can get. It’s a fun way to earn more rewards on items you’ve already purchased and at no extra cost to you.

Register now to see if you’re eligible to be a National Consumer Panelist. If you don’t get accepted based on your location, don’t worry!  They’re always expanding locations, so check back again.

11. Satisfyingly Pop Bubbles to Make Cash

Who loved popping bubble wrap growing up? I still do. Check out Bubble Cash to go on a popping frenzy against real players online to win actual cash. Drop a bunch of bubbles at once and get those high-scoring combos.

Play for free, and then switch over to cash games whenever you want. Seriously though, cash game winners can win thousands of dollars…by popping bubbles. There are raffles to win BONUS cash on top of your regular winnings too!

Just note that cash tournaments aren’t available in AZ, AR, IA, LA, MD & SC but everywhere else is fair game to win actual money!

12. Over $7 Million Paid Out to Steady Members to Date - Sign Up for Your Share!

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!

13. 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: TSW20 to get an additional 20¢ a gallon on their first gas purchase!

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

14. 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!

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

SurveyTime will instantly pay $1 after each survey completion. No waiting around to accrue at least $15 to cash out like other sites, just get paid right after!

Take as many available surveys as you want since there’s no limit. Then choose between popular gift cards, PayPal, or Bitcoin via Coinbase.

It’s free & easy to start. Be sure to check your confirmation email to answer a few intro questions.

It takes a few days for the system to learn your profile to match you with the best surveys so expect to be disqualified in the beginning. Then you can take as many surveys as you want. On average, each survey could take 10 minutes with some being as quick as 3 minutes!

16. 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!

17. 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.

18. Check Your Credit Score For Free

Drobot Dean

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

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 personalized recommendations to help increase your score!

It’s free to use so this is definitely a must-have since low scores can affect your daily life.

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

Adobe

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

On average, members see a 13 point increase. All you need is a free Experian 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.

20. 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 hidden fees (yes, seriously) and savings at 0.50% APY.

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?

21. 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.

BONUS: Get Free Stock Worth Up to $200

@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 makes it really easy for new investors to get started with just $1.

This free trading app lets you trade stocks, ETFs, and options, along with cryptocurrency all for free. No commission fees! When your application is approved, they’ll give free stock worth $2.50 up to $200 for new members, with chances to get a high-value stock in Facebook, Microsoft, etc.

You’ll also earn interest on any uninvested cash too. 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.

Extra bonus: If you’re a student with a “.edu” email, click here to get an additional $15 to your account. Plus, Robinhood will be giving away $20,000 to five students who sign up! This Back to School campaign lasts only until October 24th.

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.