23 Stupid Simple Ways to Make Extra Cash in 2020

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?

Yea I made my usual lose weight, save more money, and travel more 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 for the rest of the year.

1. Make Up to 2.80% Interest On Your Money with Fee-Free Banking

Traditional banks may2 seem to take every opportunity they can to squeeze more money out of you. With everything from a monthly service fee to various hidden fees nibbling away at your account balance. Enter Varo which was founded to provide banking services without the hidden fees.

Yep, Varo has no monthly service fees, no foreign transaction fees, and no ATM withdrawal fees. On top of having no fees, Varo lets you make more money on your money. Varo provides a high-yield savings account that starts at 0.81% Annual Percentage Yield (APY)1 that can move up to 2.80% APY1 based on qualifying activity. To put this into perspective, the average APY of the 5 biggest national banks is 0.09%.*

Varo has a few sweet extra features too:

  • Get your paycheck up to 2 days earlier^
  • No minimum balance requirement
  • Over 55,000+ AllPoint® ATMs worldwide to use your Varo Visa® debit card
  • Offers personal loans to pre-qualified customers who want to consolidate debt
  • Varo will send any paper check to anyone in the U.S. on your behalf
  • “Save the Change” rounds up your purchases to the nearest dollar and saves the difference to your Varo savings account

If you’re sick of being charged banking fees and want to make more out of your money, check out Varo. It takes less than 5 minutes to learn more and apply for free.

2. Free Gift Cards Just for Going Shopping? Yes, please.

Go on your normal grocery shopping trips. Scan your receipt after. Get points towards gift cards. No extra fuss. No digital coupons to pre-select or specific stores to go to.

It’s perfect for the lazy but smart saver.

And it’s called Fetch Rewards, an iOS or Android app where you can scan ANY grocery receipt to get rewards, aka cash.

Scan receipts from supermarkets, neighborhood corner shops, wholesale clubs, drugstores, convenience stores, and even liquor stores. Unlike other apps, you’re not restricted to specific stores. As long as your receipt has any of the thousands of participating products, you’ll earn points to redeem for gift cards.

You can start redeeming points for rewards with as little as 3,000 points ($3). Grab a 2,000 points bonus ($2!) when you enter this referral code: REWARD before you scan your first receipt on your iOS or Android.

3. Never Overpay for Car Insurance - Save $826 a Year

Let’s talk about the not-so-sexy topic of car insurance. You need it, you have it, but you’re probably overpaying for it. By how much though? It can depend on your car, location, age, and more, but on average you’re probably spending $826/year more than you need to.

You’ll know how much if you use Savvy to check for fast and easy savings. There are no forms to fill out since it uses your existing insurance info, and the system will instantly check for a better deal. It literally takes 30 seconds and they protect your phone number and email from spam.

Once Savvy finds you a better deal and you choose to switch, they’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.

4. How to Leave Your Family $1 Million Dollars

With the way 2020 is going along with all the doomscrolling, people are thinking about their future more than ever. If anything should happen to you, will your family be financially covered?

What if you could leave them up to $1 million dollars?

The savings route to $1 million would take many years (35+ depending on retirement) plus consistent high monthly savings. However, you can help protect your family’s future by applying for an affordable term life insurance policy up to $1 million in coverage at affordable rates offered by Bestow.

The application takes under 5 minutes to complete with no medical exam needed. (Other life insurance companies take up to 2.5 months.)

Plus, the payout is tax-free and your beneficiaries can have the ability to spend the money on funeral costs, mortgage payments, education, basically anything!

Each policy has a “free look” period (usually 30 days) which means you can cancel if it’s not right for you and get a full refund. See what your rates are in under 5 minutes. It’s the biggest “I love you” you can give to your loved ones!

*Bestow is currently not available in New York

5. iPhone Users Can School Competitors in Solitaire and Ca$h In

When you’re looking for something to do at home, check out Solitaire Cube for iOS, 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.

6. Medical Emergencies Happen - Here’s How To Afford the Unexpected

True story: My cousin was on a cruise to Canada, and while coming down the stairs, she missed a step and tumbled down. She later found out that she broke several bones in her left foot, and was unable to go to work for 3 weeks because of a massive cast.

Unfortunately, accidents like this can happen and it could be disastrous to your wallet and potentially your career.

Sure, you can always prepare by having a savings account devoted to “what if” moments, but if you find yourself in a tight spot, there are options that can help, like Opploans.

Even if you have a poor credit score you could still get a personal loan for short-term financial needs such as 6 to 24 months. Definitely useful for unexpected situations.

Submitting an application doesn’t affect your FICO credit score, so check if there’s a short-term personal loan that you may need for a medical emergency, major purchases, life events and more.

Here’s who can qualify:

  • Residents of AL, AR, AZ, DC, DE, FL, GA, HI, ID, IL, IN, KY, KS, LA, ME, MI, MN, MS, MO, MT, ND, NE, NV, NM, OH, OK, OR, RI, SD, TN, TX, UT, SC, WA, WI, WY, VA
  • Have a minimum monthly income of $1,500 for the states listed above except AL is $3,500, and GA & ID is $3,000
  • Employed at your current job for at least 3 months
  • 18+ years old (19 if from AL or NE) and cannot be an active duty service member
  • A traditional bank account in your name that’s been open for at least 90 days
  • You get your paychecks via direct deposit

Qualified borrowers will be able to borrow up to $4,000 depending on their state and eligibility. And when monthly payments are made back on the loan, Opploans will notify the 3 credit bureaus to build up your payment history and in turn, build your credit history!

7. Buy Stuff Normally = Get Gift Cards You Actually Want

If you have room for 1 more app on your phone, then it needs to be this. Actually, delete another app to make room for this one. It’s that good.

It’s called Drop, a free app on iOS or Android that’s rewarding their 3 million+ members for everyday activities – like shopping at brands such as Sephora, Walmart, Uber, Groupon, The Gap, Old Navy, and tons more.

Download Drop (iOS or Android) and you’ll get points back on all those purchases. Points translate to gift cards so the more you collect through shopping, surveys, and games in the app, the more gift cards you can redeem!

Earning points is simple. Just open Drop, select the brand’s offer and continue the checkout flow through the app like normal. That’s it! Drop will take care of the rest and add the points to your account once your transaction clears.

There’s literally no downside to using this free app to get more gift cards. Use it on top of your loyalty points and credit card points for even more rewards!

BONUS OFFER: Use promo code SMARTWALLET to unlock 10,000 points ($10!!) automatically when you earn your first 1,000 points.

8. Get $5* to Invest in Amazon, Apple, 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 Apple, Facebook, Spotify, etc., but you can. And you don’t have to be rich either.

That’s because Stash, an investment app, lets you start investing1 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 major companies that you use or buy from regularly to make the investing process custom to you. Plus, it’s affordable.

As a bonus, Stash is giving new members $5 for any first investment so create an account to get started.*

9. Flex the Bod: Get Paid to Lose Weight

There’s nothing like money motivation right? Especially for fitness. It’ll also give you something else to do besides being a couch potato and reading about unhappy news.

You might be extra inspired because there’s a health and wellness company that will pay you to lose weight. Seriously!

It’s called Healthywage.

They have a ton of testimonial/pictures on their site along with legit places reviewing them from CNN, The New York Times, Wall Street Journal, etc.

So if you need some money motivation to lose weight, here’s how it works:

1. Start with the HealthyWage calculator (Read more)
2. Decide on a weight goal & amount of time to achieve it
3. Bet on yourself ranging from $20-$150 a month
4. Achieve your goal and you could win up to $10,000 depending on your HealthyWager!
5. If you don’t achieve your goal, the money goes to support HealthyWage, including prizes for others who achieve their goals

10. Android Users: Try Games, Get Gift Cards. Play More to Earn More

Alice Ly | The Smart Wallet

We’ll probably be the only ones to tell you this but, please play more mobile games.

Play more games so you can earn more gift cards through the Rewarded Play Android-only app, a free to download game platform that lets you try as many games as you want.

Popular games include Yahtzee, Wheel of Fortune, Words with Friends, mystery games, fantasy games, puzzle games, and a lot more.

You can then redeem for gift cards from 20+ retailers including favorites like Target, Amazon, Walmart, Best Buy, etc. The games are fun, it’s an easy way to earn some cash especially when we’re bored at home, and bonus, there is an active customer support team!

11. iPhone Only: This Isn't 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 on iPhones, 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 on your iPhone 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.

12. Work From Home: Earn $20 Per Hour to Start Teaching English To Kids Online

The past few months have been rough on Americans and their livelihoods. If you’ve been considering a side gig to supplement your primary income or need a job working from home, teach English online to kids ages 5-13!

EF Online (Education First) is a teaching platform helping to connect students in China and native English speakers for 20+ years with their global network of 600+ schools. You’ll experience a flexible schedule where you can work from home, earn up to $20/hr to start, with all lesson materials are provided. While teaching experience is preferred, it’s not required. Earn extra rewards the more you teach!

Here are the requirements:

  • Must be a native English speaker living in the U.S.A with a Bachelor’s degree in any field
  • By the start of your teacher’s contract term, you must earn and submit documentation of a 40 Hour TEFL (Teaching English as a Foreign Language) certification (or higher)
  • Agree to an online background check (no cost to you)
  • Be available to work during a set range of hours
  • Have a solid wifi connection and headset
  • And lastly, be passionate!

Classes are 25 minutes each and since EF Online encourages repeat classes, you might be teaching the same students regularly. In addition, parents can book you up to 6 months in advance leading to a more stable income.

If you enjoy interacting with kids, this is definitely a rewarding and flexible gig from home!

Note: The following U.S. states are excluded from this gig – CA, IN, MA, NH, NJ, NY, and IL.

13. Android Users Get Paid in Gift Cards if You’re Chill with Lock Screen Ads

The average person unlocks their phone 110 times per day – that’s a lot of time spent looking at a screen for free.

With S’more on Android you get paid every day you unlock your phone. It’s even easier than it sounds, and since you can cash out with as little as $1 there’s no waiting around for your rewards!

They partner up with brands looking for more impressions (aka your eyeballs) and you don’t need to click on anything to get paid either.

S’more pays Android users in gift cards so you can redeem for:

  • Amazon.com
  • AMC Theaters
  • Best Buy
  • CVS
  • Target
  • Domino’s Pizza
  • Starbucks and more!

Just use your phone normally, and your earnings will apply daily. Pretty much the easiest thing to do.

14. Improve Your FICO® Score Instantly With Streaming Services Payment History - And it’s Free

Having a low credit score can impact a lot in your life, like the ability to rent an apartment, get a car, and even a cellphone plan.

That’s why it’s important to maintain positive credit card payment history and to keep credit utilization ratio in check (not using more than 30% of your credit line on any credit card).

Regardless of what your score is currently at though, everyone can use a boost to their 3 digit number, and Experian® wants to help.

A new feature called Experian Boost™* can help instantly improve your credit scores for free by adding your positive payment history from utility and telecom bills to your Experian credit file.

This is huge, because previously, your gas, water, electricity, TV, internet, and phone bills that you already pay for didn’t affect your credit. Now it does and to your benefit of potentially increasing your credit scores. Even better is your on-time payment history to streaming services also counts now!

It’s simple to start, and all you need is a free Experian Boost membership and a few minutes to connect read-only permission to the online bank accounts you use to pay bills. Experian will check only utility, telecom, and streaming services payments to get you credit for the payments you’ve already been paying.

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.

15. Android Users Can Make Easy Money Just Trying and Playing Games

There are so many new games coming out on the daily that it’s hard to choose which to play, even if we’re experiencing extra time at home.

My strategy? Only focus on the games that pay for my time.

You can do it with AppStation, an Android app that pays you to try out new games.

When you earn coins from trying new games, you can redeem for:

  • PayPal Cash
  • Amazon gift card
  • GameStop gift card
  • PlayStation Store gift card
  • Xbox Live gift card
  • And too much more to list

Nab a 4,444 coin welcome bonus too, which is basically around 50 cents in value. And if you don’t like to wait, you can choose to payout as low as $1.

If your friends want to get it on the money action from afar, introduce them to AppStation for Android, where you’ll get bonus coins and 25% of all their earnings. To make it a supportive group, your friends will also earn 25% of your earnings too!

16. iPhone Players: 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 (iOS only), 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, LA, ME, MT, SC, SD, TN, IN.

17. Binge on Food, Entertainment, Health & Tech News TV for Money

I can barely cook but I love watching food videos. The new season of Ugly Delicious? I’m there.

If you’re a video junkie too, become an Inbox Dollars member where you can watch their TV and Videos section that ranges from Trending News, Entertainment, Food, Health, Tech, and even the latest World News to earn some cash. You’ll also get $5 as a sign-up bonus too!

They set it up in playlists though and they’ll tell you how long it takes as it can range from a few minutes to half an hour. Tip: You can set it to Play, open up another browser tab and let the videos run while you continue doing something else if you’re multi-tasking!

Playlists and earning potential can change, but it’s possible to earn up to $200 a month, watching videos!

18. When Life is Getting Crazier: Refinance Student Loans or Borrow Money Responsibly

We don’t even know what’s going to happen a week from now but anything that can help financially should be considered.

If you have student loans, you can refinance with Credible’s online marketplace that matches you with Federal, private, and/or Parent PLUS personalized loan rates. Since the Federal Reserve has slashed interest rates, it’s the opportune time to refinance which can save you more money over time.

Colleen refinanced, which cut her federal rate down to 4.5% (originally 8%) and that saved her $12,000 over the life of her loan! During these uncertain times, we need to save wherever we can.

Personal loans are also on the marketplace if you need to borrow money to help with medical expenses, home projects, or anything else.

You just fill out one form and get personalized rates in a few minutes. Since it’s a soft credit inquiry, your credit score won’t be affected by using Credible.

19. Earn Up To $40,000 (!) A Year By Renting Out Your RV On the Most Trusted Platform

Hanson Lu

If you own an RV, you know this better than anyone else: it stays dormant almost all year. And it’s true, 80% of RVs go unused for 300 out of the 365 days.

While it’s great to have one ready for road-trip purposes, there are more productive (and profitable) ways to handle the sleeping beast.

With RVshare you can earn up to $40,000 a year by renting out your RV when you’re not using it. List for free on their marketplace and people looking to rent can connect with you. It’s kind of like an Airbnb but for RVs.

The marketplace is completely free to use, so you don’t have to worry about getting hit with a fee while your listing is active. RVshare only makes money when you do, so after your listing is booked they’ll take a small portion to keep the site up and running.

Your RV is protected. There’s nationwide (plus Canada) insurance for both parties along with 24/7 roadside assistance to ensure your RV is taken care of while on the road.

You could also list your RV as a stationary rental, meaning it can stay on your property. This works best if your RV is parked near potential travel destinations. (Sorry, HI residents are ineligible to list!)

So take that dormant RV and start turning it into cash! Since it’s free to list, just add your make and model and RVshare will show you how much you can earn this year.

20. How to Get Paid $22/Hr Being a Grocery Shopper

Shipt.com

When you’re looking for a legit side gig, consider grocery shopping for others, instead.

Shipt is an app where members can request same-day deliveries on grocery, household, and more. After browsing through millions of products from stores like CVS, Target, ALDI, Costco,  and a lot more popular retailers, members create a shopping list.

This shopping list is then sent to a professional Shipt Shopper (potentially you!) who’ll head to the store, grab the items, and deliver. Shoppers are independent contractors and are paid up to $22/hr and more. Plus 100% of all tips are yours to keep!

So if you’re interested in a flexible side gig that helps out the community, have a valid driver’s license and auto insurance, a reliable car, know the difference between romaine and iceberg lettuce, apply here. Work whenever you want and get paid weekly!

21. Empower Yourself Financially, Especially for Women

Whether you think about it or not, there are important realities in a women’s life.

Gender pay gaps where women make less than men, career breaks where women’s earnings drop significantly after having a child,(*) and longer than average lifespan meaning women need more money to live.

That’s why it’s vital to save for retirement and invest, especially if you’re female and why
Ellevest exists, an investment service and money membership created by and designed for women.

Men and those that identify as non-binary are welcome to join as well but it’s the first company to take on women’s unique set of obstacles when constructing an investment portfolio.

With affordable flat monthly fees starting at $1 and maxing at $9, you can be sure that your financial health is taken care of with personalized retirement planning (Plus and Executive memberships), investments with no asset management fees outside of your membership fee, and discounted sessions with career coaches and financial planners. Membership also includes an Ellevest debit card,* which gives you the option to round up spare change to help you save further** as well as unlimited ATM fee refunds.***

With the current world events, it’s even more important to make sure that your “future you” will be comfortable, so take advantage of the first free month and see how it can help you.


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