Money Moves That People Who Make Less Than $60,000/Year Should Do

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.

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Let’s face it, everyone can use a little help on their finances.  Regardless of what gets shared on your friend’s and family’s social media, no one knows the whole picture but themselves. Some may even be afraid to admit it.

It doesn’t have to get overwhelming though! When you’re ready to buckle down and tackle your finances, we can help.

Especially if you’re currently making less than $60,000 a year.

After taxes, that salary goes down quick but just start small with the money moves below to get back in control.

1. Pop Some Colorful Bubbles to Make Some Bank

The classic bubble game comes back with a modern twist where you have 3 minutes each game to pop or clear as many bubbles from the board as you can.

It’s called Bubble Cash, and no matter your skill level, you can have fun against real players around the world.

Our favorite strategy? Hang multiple bubbles from a “parent” bubble, and then POP the parents so all the bubbles drop at once! It’s extremely satisfying to get those combos.

Play for free, and when you’re ready, switch over to cash games to earn faster! Cash game winners can win thousands of dollars (no joke).

2. School Competitors in Solitaire and Ca$h In

When you’re looking for something to do at home, 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. If you’re a good Solitaire player, you could win some serious cash, like Katie N. who took home $380,984 last year 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!

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, FL, LA, ME, MT, SC, SD, TN, IN.

3. 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!

4. 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 of 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 with no ads, check it out.

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

Classic bingo is a game based on both luck and skill since it takes strategy to beat the odds of the house and the players around you.

However, you can ditch the paper sheets and giant stamps in favor of Blackout Blitz, 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. Everyone sees the same card and balls so by daubing (tapping the number) fast and correctly, you’ll get bonus boosts for more points! Tap the incorrect number and points will get docked so don’t get sloppy!

This easy-to-learn game is awesome for killing time and earning cash all at once, anywhere which is perfect for home.

You can 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.

Cash tournaments not available in AZ, AR, CT, DE, FL, LA, MT, SC, SD, and TN.

6. Scan the Stuff You Buy & Get Free Rewards

The exclusive Nielsen Panel program is opening up again for more participants! This is your opportunity to make your consumer voice heard! (And get paid for it!)

When you become a panelist, just use the app to scan the barcodes of items you purchase, provide a few additional transaction details, and you’ll earn points for:

  • Gift Cards
  • Tablets
  • Electronic Equipment
  • Flat Screen TVs
  • and much more from their gift catalog!

Plus, all panelists are automatically entered into weekly, monthly, quarterly, and annual drawings to win extra points and gift cards – even a quarterly sweepstakes to win $5,000!

The more you share your shopping habits (scan barcodes), the more rewards you can get. You can also answer surveys and share information about your overall shopping trip.

“Scanning my purchases is fun! I also enjoy taking the surveys. Earning points is fast and easy and they have a great selection of rewards.” – Jennifer B.

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 Nielsen Panelist. Eligibility will be based on your location. If you don’t get accepted this time, don’t worry! They’re always expanding locations, so check back again.

7. 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!

8. Fun Times in 3 Minute Increments – A Classic Game for $

3 minutes.

Make as many 21s as you can within that time or until you run out of moves.

That’s the basic gist of 21 Blitz, a modern take on a classic game where you’re no longer just playing against the dealer but with actual people around the world.

It’s fast-paced and it basically does all of the math for you. This game is great for killing time and earning cash all at once which is perfect for home!

You can play for free against real people for prizes or switch over to cash games to win…well, cash! Cash game winners can win up to $7,000 or more in the mini-tournament.

Cash tournaments not available in AZ, AR, CT, DE, FL, LA, ME, MT, SC, SD, TN, IN.

9. Get Paid To Share Your Opinion Anytime

Samantha Gades

Your opinion is valuable. So valuable you deserve to earn extra cash for sharing it.

You can do it with Survey Junkie. They pay cash to members who participate in surveys about their shopping habits, cell phone usage, and more. Basic stuff.

Completing a survey earns you 20 to 100 points. Each point is worth one cent, and when you hit 1,000 points (or $10) you can cash out.

Redeem via:

  • Online gift cards
  • Paypal cash
  • Bank transfer

Signing up for Survey Junkie only takes a few minutes and you’ll earn your first 100 ($1 value!) points just by creating an account, filling out an intro questionnaire, and verifying your email address. Easy.

After that, you’re free to dive into surveys. They have surveys with various durations (5 to 20 minutes) to complete and new ones pop up constantly so you’ll never be bored! Fill one out when you’re waiting for someone or have time to kill.

Survey Junkie won’t get you rich quick (no survey sites ever do), but it’s an easy way to make some extra cash by doing nothing other than giving your opinions.

10. Stack Your Cash Back Earnings with This App

When the coronavirus outbreak passes and the economy starts to rebound, we can get back to racking up rewards through our credit cards and travel reward programs.

In the meantime, free cash back apps like Drop offer a practical and rewarding alternative that gives points back for shopping online at all your favorite brands, completing super-quick surveys, and playing fun arcade games in-app.

There’s virtually limitless earning potential and the points you earn turn into free gift cards that you can redeem at places like Amazon, Tim Hortons, Starbucks, Uber Eats and so many more. Double-dip on earning points with their Stacked Deals section too.

Here are some of our favorite offers on Drop right now:

• Sephora• Indigo
• Old Navy• Lululemon
• Well.ca• Sport Chek
• Adidas• Glossier
• Uber Eats• Groupon

This app is a no-brainer for anyone looking for new and fun ways to stretch their dollar at home!

Kickstart earnings today by using promo code SMARTWALLET to unlock 10,000 points ($10!!) automatically when you earn your first 1,000 points.

For a limited time, sign up for an RBC Royal Bank card through Drop, and when you link that card to the app, you’ll earn extra 3% in Drop points on everyday spending at participating brands (e.g. Petro Canada, Sobeys, Safeway, Doordash, and more) for 3 months!