22 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.

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. 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.

2. 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!

3. 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 on Google Play, 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!

4. Get Paid for Playing Free Digital Scratch-Offs

Don’t bother going to the store to buy physical scratchers (they get expensive too).

Instead, play digital scratchers for free on Lucktastic to win money from the comfort of your home.

There are a ton of different scratchers to play where you can earn both cash prizes and tokens. Tokens turn into gift cards or contest entries so collect as much as you can!

PRO-TIP to get the most gift cards for free: The more you play, the more big bonuses you can unlock! Play all your scratch cards, look out for Today’s Bonus, and head to the Reward Wall to discover more fun games and cool products. That’ll build up your tokens much faster to redeem for more rewards!

Redeem tokens for:

  • Amazon gift cards
  • Walmart gift cards
  • Dunkin’ Donuts gift cards
  • Check mailed to you
  • Payouts start at just $5!
  • Contest entries into big cash winnings

Lucktastic keeps things free by showing a few ads here and there plus it’s easy to play and multi-task at the same time. And until 1/27/22, a winner will get a chance to win $1,500 in the Destination Winter Giveaway!

5. 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 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’mores pays 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!

6. Invest with as Little as $1 From Your Phone

Cait Brice - The Smart Wallet | *photo for illustrative purposes only

If you feel a little clueless whenever there’s talk about investment portfolios, you’re not alone. It can sound overly complicated.

However, there’s an app that’s like an easy gateway to investing.

It’s called Stash, an investment app that only takes as little as $1 to start and you’ll also get a $10 bonus after funding your first investment!

They offer thousands of investments which include stocks and Exchange Traded Funds. You’ll get to choose where to put your money based on things like your personal beliefs, interests, and goals. Their newest feature, Stock-Back™ rewards* lets you invest in brands you spend on with the Stash debit card.* Purchased something at Amazon? Earn Amazon stock rewards. It’s like cash back but with stock!

Finally, investing is no longer for the elite 1% with Stash helping to make it so easy for the rest of us.

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

7. Score Major Game Day Snacks for Free with This App

Win in the kitchen even before the Big Game starts with Ibotta, one of our favorite cash back apps that teamed up with your fav grocery store to give $20 worth of snacks for free.

It’s simple:

  1. Download the free app
  2. Add the 6 Big Game items to your grocery list (this includes pizza, nacho supplies, cookies, and more!)
  3. Head to your store and buy
  4. Upload the receipt & you’ll get 100% cash back on the items making them f-r-e-e

And beyond the Big Game, use Ibotta for all your everyday purchases to get free cash back in general. This includes online shopping, travel, restaurants, and more!

Ibotta is free to download so don’t miss out. You’ll also get $10 in Welcome Bonuses when you sign up!

8. Get Paid Up to $225/Month Watching Viral Videos and Taking Fun Surveys

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 $225 a month, watching videos!

9. Get Paid to Try New Games. Every Gamer’s Dream.

Play games = make some money. All you need is Mistplay, an Android game platform where you can try new games to earn points redeemable for gift cards like Amazon, VISA, PlayStation Network, XBOX Live, and more.

In this Google Play app, all available free games are listed so just take your pick to try, especially high unit multiplier games! For example, the 4x unit multiplier games will earn you 8 times more units (and dollars) per level than the 0.5x unit multiplier games. Plus there are weekly contests and bonuses to earn even more.

You’ll only get paid for playing games if Mistplay is running so be sure to always install games from the Mistplay app! New members get a BONUS 250 units just for signing up.

10. The Easiest Way to Save $826 This Year

What’s something that could save you $826 a year and you can check in literally 30 seconds?

Your car insurance. 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.

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

11. Borrowing Money, in General, Isn't Fun but When You Need $500 to $4,000,* Try This

No one likes to borrow money but when you need it for repairs, medical reasons, large purchases, etc., then you do what you have to do.

OppLoans can help as they work to assist middle-income credit-challenged members to build credit history+ for a brighter financial future. “The rates were good, I have terrible credit and they were the only ones to approve me for a loan and they were very quick as well,” said James U.

Even better, applying won’t impact your FICO credit score^ so it doesn’t hurt to check!

Qualified borrowers can borrow from $500 to $4,000 depending on creditworthiness and state of residence.* And when monthly payments are made back on the loan, OppLoans will notify the 3 credit bureaus to build up your payment history!+

Available to residents of AL, AK, AZ, AR, CA, DE, FL, GA, HI, ID, IN, KS, KY, LA, MI, MN, MS, MO, MT, NM, ND, NV, OH, OK, OR, RI, SC, TN, TX, UT, VA, WA, WI, WY

12. 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 the fees and apply to Chime, an award-winning financial app with absolutely no monthly fees (yes, seriously) and savings at 0.50% APY1 — which is 8x2 the national average!

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?

13. Affordable Car Insurance Exists - Here’s How You Could Save Up To $610

You’re sharing the same roads with a lot of different people. Distracted people, oblivious people, road-rage people, etc. It’s best to cover yourself with insurance when everyone is operating a giant motor vehicle.

That’s why car insurance exists and is mandatory. You might be overpaying on your current insurance premium since it can be a hassle finding another provider.

However, you can search for quotes easily on EverQuote. They help match you among dozens of regional agencies and insurance carriers to filter the best matches to save on your car insurance.

It takes less than 4 minutes to fill out the form and you’ll see a list of matches that show online quotes, email, and potential phone quotes.

EverQuote can save drivers up to $610 a year on average* compared to their current insurance premiums. Once you see your list of potential matches, choose the online ones you want or wait for more information via email or phone.

It’s a pretty simple process, so try it out to see how much you could be saving on the road!

14. 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.

15.

16. 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.

17. 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!

18. Federal Student Loans are Paused But the Best Time to Pay is Now

Student debt in the U.S. totals more than $1.5 trillion and is one of the biggest consumer debt categories since it affects more than 44 million Americans.*

And even though Federal student loan payments are paused and most interest rates are set to 0% via the CARES Act through September 30, 2020, the best time to pay is during this temporary relief period if you can. That’s because however much you send will basically double the payment impact as 100% goes straight towards the principal balance.

You can use FutureFuel to make it easier. It’s a personalized Financial Health platform that’ll help save time and money off your student debt and on average, members save $15,000 off their debt plus shave off 4 years of payment!

Utilize their valuable Round Up feature, which sweeps your spare change directly to your student loans as extra payments. As well as the Giveback feature, where you can earn up to 30% cash back on everyday purchases from 450+ popular brands to use towards your loans!

Give yourself peace of mind and you could shave an average of $15,000 off your loans. We think that’s worth it and it takes less than a minute to connect your loan(s).


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