23 Stupid Simple Ways to Make Extra Cash in 2022

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.

At the beginning of each year it’s New Year, new you, right? But how long does that last? But 2022 isn’t just another year. It’s THE year after 2 crappy years so things can only go up, right?

You’re probably going to make your lose weight, save more money, and travel more later resolutions, but let’s face it, these “goals” aren’t going to come true without a solid plan.

And to save more money? Well, it’ll be easier if you have more money to begin with, right? So we’ll focus on that and lay it all out – Here’s our list of stupid-simple ways to make extra cash to prep for 2022.

1. Get $10 to Invest in the Legal Cannabis Industry and Crypto. No Experience Necessary.

6 million customers already use Stash, an investment app, lets you start investing with as little as $1 and you can choose where to put your money, and they’ll provide guidance and tools to help. You can invest in some of the major companies that you regularly use to make a custom Personal Portfolio.

You can even invest in the legal cannabis industry which is big business as retail sales are projected to hit $70 BILLION by the end of 2028.* 

Plus, with Stash Growth and Stash+, you can also choose the Smart Portfolio option which offers hands-off stress-free investing based on your risk tolerance. You also get exposure to cryptocurrency through handpicked trusts managed by Grayscale. Stash’s customers can invest in the world’s largest Bitcoin fund, Grayscale Bitcoin Trust, and Grayscale Ethereum Trust, giving access and exposure to emerging asset classes via trusted investment vehicles. They make it easy to invest in crypto when you don’t know where to start!

It takes less than 2 minutes to start and they’ll even give you $10 to start investing when you sign up and deposit $5 or more into your Personal Portfolio.

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

2. 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 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 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 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!

3. Play Fun Word Puzzles & Get Paid

Stimulate your brain in a different way by playing word puzzles on Words to Win, a free-to-play game where you can win cash rewards through beautiful levels modeled after vacation spots like Australia, Mexico, Hawaii, and more.

It’s simple. Create words out of the letters given and complete the crossword puzzle board. You’ll then earn coins to redeem for instant win scratchers, prize wheels, and sweepstakes up to $500!

There’s no stressful countdown timer per game and you can cash out via PayPal when you reach $7. Tracy T. said: “Best game ever! This is my daily relaxing game and it really pays and cashes out.”

Download now and play for free to start winning cash!

4. Scan the Stuff You Buy & Get Free Rewards

The exclusive National Consumer Panel (NCP) 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 National Consumer 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.

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

Alice Ly / The Smart Wallet

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

Grab all the recent receipts you have, even gas receipts, 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 gas station, restaurants, and drive-thru receipts too.

There’s no minimum spend, no need to manually select items, just scan in any receipt from any store or gas station, and it’ll automatically reward you. Use the free money to pay for your next tank of gas!

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

6. 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.

7. 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!

8. This App Can Help You Earn an Extra $5,500 Per Year

Side gigs and WFH opportunities are here to stay, and one of the easiest ways to find these opportunities is via the free Steady app. Their community of 5 million members agrees- it’s one of the best free ways to find flexible jobs, cash grants, along with quick Income Boosters to earn extra money!

It’s simple:

  1. Download Steady and create a free account
  2. Securely link your bank account to track financial progress and receive income boosters
  3. Try your first Income Booster; earn up to $75 each and they’re easy to do!

On average, Steady Members can lift their income by an extra $5,500/year after joining Steady. So set those financial goals, pay off the bills, and take that summer vacation!

It only takes a few minutes to sign up for free. Just answer a few work history questions, and start seeing opportunities immediately!

9. 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. 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!

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, LA, MT, SC, SD, and TN but you can still play for prizes! BONUS: When you deposit for the first time, get a $5 bonus cash when you use code: TSW5

10. 500,000+ People Received Loans for Emergencies Regardless of Their Credit

Gas prices are already high, so don’t let unexpected emergencies, like car repairs, house repairs, and more, stress you. Qualified borrowers can borrow between $500 and $4,000 through OppLoans, depending on the state of residence.*

Even better, applying won’t impact your FICO credit score^! Opploans reports customer payment history to the three major credit bureaus so that consistent on-time payments may improve credit score.+

OppLoans is also committed to helping customers build a better financial path forward. If OppLoans can’t give you the best rate, they’ll automatically check other lenders to see if you qualify for better terms!

I was able to be approved for a loan within minutes and received my direct deposit the very next business day. I’ve never requested a loan before and was very leery of the process with it being online, but was pleasantly surprised at the customer service and prompt follow-up.” – Amaris A.++

You can see a state-by-state breakdown of loan rates and terms here.

11. 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 mobile financial app and debit card 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 monthly fees, the ability to get paid up to 2 days earlier,2 and auto-savings starting at 0.50% APY3 (which is 8x4 the national average!) makes Chime a stellar online financial 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.

12. Play Dominoes With Anyone to Win Cash

When you’re looking for a different type of puzzle gaming experience that’s not just swapping candies or jewels around, check out  Dominoes Gold, where you can play the classic board game for cash prizes.

The game follows the popular “Fives” rulebook where you match the ends of the domino tiles and make the ends of the board a multiple of 5. Any leftover tiles after a Domino will be counted as points for the winner of that round.

There are daily domino tournaments up to $6,000! Play for free on iPhone and when you’re ready, switch over to cash tournaments to get serious prizes. Memories of slamming chips down at your family’s house will come rushing back.

Cash tournaments are not available in: AL, AR, AK, CT, DE, FL, LA, KY, MA, MT, NJ, NY, OK, PA, SC, SD, or TN but you can still play for prizes!

13. 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.

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 but you can still play for prizes!

BONUS: When you deposit for the first time, get a $5 bonus cash when you use code: TSW5

14. 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.

15. You Can’t Control Gas Prices so Save $720/Year on Car Insurance Instead

Gas prices are continuously hitting record highs but there’s little you could do besides checking which station has the lowest price at the moment.

But with car insurance, you can check in 30 seconds if you’re overpaying since on average, people spend $720/year more than they should. 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!

A satisfied customer had said “I left Geico. I was paying $150, now thanks to you guys, I’m only paying $50!”

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.

16. The Best Financial App That’ll Save You $720/Year + Track Your Net Worth

Knowing your net worth isn’t just for rich people. It’s a financial report card that can tell you if you’re on the right track or if you need a wake-up call. To calculate it, you need the value of all your assets (things you own) minus your liabilities (things you owe). But wouldn’t it be nice if there were a tool that tracked your net worth over time for you?

Enter Truebill, the 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.

  • 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
  • Their newest feature easily tracks your net worth

See what your savings could be with Truebill and start tracking your net worth too!



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