15 Weird (but Totally Legal) Ways To Pay Rent When It’s Over $800 a Month

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.

You feel it every month.

When that chunk of rent payment leaves your bank account and into someone else’s. It’s the price to pay for having your own living space and basically, a non-negotiable.

Because no matter what, you gotta keep adulting when you don’t want to move back in with family. Seriously.

So keep making those rent payments and we’re making it a little bit easier by suggesting some things you can do to earn some side cash as well as manage your money more efficiently. Even better when you can get paid for doing stuff you already do!

1. 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.*

And as an extra bonus for October, earn up to 2% rewards if you use their card at McDonald’s, Dunkin’, Netflix, Hulu, Disney+, and Spotify!*

2. Affordable Car Insurance Exists - Here’s How You Could Save $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 $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!

3. Budgeting Made Easy With This App, Even if You Don’t Know How

First things first, if you have trouble budgeting, you’re not alone as most people actually don’t know how to. When you understand how much money comes in and how much goes out, it’ll all start making sense.

Truebill easily helps you budget, even if you’re clueless. Their simple to follow budgeting pulls your historical spending, organizes it, and allows you to clearly see your spending so you can set a target budget with context. (Aka you can see where you’re wasting money on).

Truebill’s five-star reviews come from people formerly bad at budgeting. Nicole M. said Truebill “tracks spending and makes you accountable for every place your dollar is going. Shows you how a ‘few bucks’ here and there can really add up over time. It also gives you clues on how to save based on your spending. It’s like having a personal accountant tracking my money.”

Truebill will also alert you if you’re getting a little too spend-happy in your budgeted categories so you know when to curb it. Another user, Krystyna D. said, “This app is a lifesaver for budgeting. It lists your transactions in a minimalist and customizable way, has a spending graph that compares your current spending based on last month, and has a really great budgeting feature. I’ve been using the app for just about 7 months and they’ve done nothing but make a really great improvement to the service. I’ve tried some of the other services and they’re all cluttered and give you too much info without making what you want to see accessible.”

It’s simple but actionable budgeting that anyone can follow and it’s free to use! Join the many users today and control your spending with Truebill!

4. Get a Personal Loan Fast Even if You Have Bad Credit

Your credit score is important but sometimes, unfortunate circumstances happen to good people. It’s not always a fair representation of your financial history to be judged by 3 digits.

Even if you have a poor credit score and have been turned down by credit card companies, you could still qualify for a personal loan for your short-term financial needs.

OppLoans can help. They work to rescue and rebuild middle-income credit-challenged members for a brighter financial future.

Submitting an application won’t impact your FICO credit score^ and you’ll be able to get the best personal loan that you may need for car repairs, medical, family, rent, major purchase, etc.

Here’s who can qualify:

  1. Residents of FL, AL, AR, AZ, DC, DE, 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, or VA
  2. Have a minimum monthly income of $1,500 for the states listed above except AL is $3,500, and GA & ID is $3,000
  3. 18+ years old (19 if from AL or NE) and cannot be an active duty service member
  4. At least 90 days at current employer
  5. Have direct deposit

Qualified borrowers can borrow up to $5,000 depending on creditworthiness and state of residence.* “Payback is on a set term so no surprises and they are cheaper than those payday loans. I was able to get approved in just a few short hours. They really came through and helped me out!” Mike from Clover, SC.

And when monthly payments are made back on the loan, OppLoans will notify the 3 credit bureaus to build up your payment history!+

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

Alice Ly / The Smart Wallet

Check your pockets; check your purse.

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), snap a pic with the app, and boom, you’ve got points for money. Upload your restaurant and drive-thru receipts too.

And since Halloween is coming up, get money back for candy, costume(s), and spooky decor!

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 a $2 welcome bonus on us (2,000 points) when you use promo code REWARD before scanning your first receipt!

6. Never Pay Overdraft Fees Again - Banking That Has Your Back (And Your Community’s!)

Overdraft fees. They’re avoidable yet people still get hit with them costing them an average of $250/year. That’s a lot of wasted money!

Instead of punishing you for silly fees, Chime, has your back. It’s an award-winning (and free to use) mobile banking app that lets you overdraft up to $100 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!

They also care about empowering the community to take control of their finances too. That’s why they’ve teamed up with Grammy award-winning hip hop artist 21Savage as well as the Dallas Mavericks to provide free financial lesson plans to the youth community as well as guiding students to become entrepreneurs. #Values

Combined with no hidden fees, the ability to get paid 2 days earlier,2 and auto-savings starting at 1.00% APY makes Chime a stellar online banking option that doesn’t focus on profiting off of you like traditional banks. Since it’s free to use, give it a shot!

7. Get Extra Cash Back on Grocery Pickup & Delivery Plus More

Who wouldn’t want cash back?

Use Ibotta, an app that pays you real money on your everyday purchases, from groceries (both online and in-store), essentials, personal care items, to meal delivery to online shopping.

It’s simple:

  1. Just check Ibotta first to find offers, and when you purchase your items, scan the receipt to get cash back. Popular stores and services include Target, Ralph’s, Trader Joe’s, Uber Eats, and more.
  2. NEW: Online grocery purchase for pickup & delivery – Just open Ibotta, and see a list of supported grocery retailers and delivery services including Walmart Grocery, Instacart, Shipt, and more. Link accounts & get cash back on eligible products within 24 hours after your order is picked up or delivered!
  3. Online shopping – purchase from 100+ online retailers that include Sephora, Under Armour, Gap, and more to get money back.

Ibotta has also teamed up with 50 leading brand partners like Flipz®, Macy’s, TOMS, Jell-O, and more to be committed to giving $10 million in extra cash back for the new school year. This means you get more cash back than normal!

Ibotta is free to download and you’ll also get up to $20 in Welcome Bonuses when you sign up so use it before buying anything!

8. 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.

9. 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.

10. 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.

11. Don’t Get Gouged at 29% APR on Your Credit Card. You Could Get a Low 4.99% APR Instead

If you don’t want to go into your next decade of life with debt looming over you, consider debt consolidation. In the long run, you’ll save money from not having to continuously pay high-interest.

Debt consolidation just means you’re borrowing money at a low-interest rate and using that money to pay off the outstanding balances from your high-interest credit cards.

If it sounds foreign to you, don’t stress. You can keep your research simple with Fiona, the fastest, easiest, most comprehensive way to search for loans from the top providers.

It’s free to use and the application takes less than 60 seconds to complete. Fiona will search all the top online lenders to get you the best personal loan anywhere between $1,000 and $100,0000. You’ll find rates as low as 4.99% APR and loan terms from 24-84 months depending on the lender.

Not only will they help with debt consolidation, but they can also help with any big moment in your life that you may need a personal loan for like Home Improvement, Wedding, Medical bills, and more.

12. How to Save $2,500 Without Thinking About It

You’ve got enough to worry about so let Digit, a smart money app, do the work for you in saving money and to help you feel more in control of your finances.

Everyday it’ll analyze your spending habits and income, then choose just the right amount of money to save. Not so big that you’d miss it but enough to add to a good chunk of savings! It’s all automatic so you don’t have to do anything else but let it do its thing.

Digit members save an average of $2,500 a year, and the savings are FDIC-insured and available to transfer at any time. Plus savers also get a 0.1% annual savings bonus, a.k.a. free money!

Members say “You truly forget you’re even saving and then get SO excited when you open the app and see how much you saved in a short period of time. I’ve been a customer for over a year and Digit saving for me has NEVER interfered with my bills or anything. I love, love, love it! Something about not actively saving and having it somewhere else takes the temptation out of spending your savings.”

Try Digit free for 30 days and see how much it can save for you!

13. How Does Your Money Compare to Peers? Get $5 To Anonymously Check

If you’ve ever scrolled through your social media feed and thought “How do they have so much money?” keep reading.

People rarely talk about money openly, but we all wonder if our peers have more savings. Do they have more debt too? Are they really making a killing in the stock market? Everyone’s financial situations are different and it can be awkward to probe friends for answers.

Status Money is here to help. It connects you with a community of financially savvy peers so you can share financial tips and insights, compare financial stats, and find ways to save money. As a bonus, you’ll earn cash rewards when you act on personalized recommendations!

By seeing how others make their financial decisions, you’ll learn to make smarter money choices on your own without an expensive financial advisor. Join Status Money for free and stop wondering how your financial situation stacks up to other people!

14. Renters: Protect Your Important Stuff Starting at $5 a Month

You have a lot more valuables than you think. Imagine if your laptop, phone, camera, bike, jewelry, etc. got swiped or accidentally destroyed in a kitchen fire, water damage, or natural disasters?

It would hurt to pay and replace everything lost. However, by having renters insurance, your policy can cover all your household items, furniture, electronics, jewelry, and clothing. It doesn’t matter if your landlord has property insurance because that won’t cover your items.

Affordable renters insurance starts at just $5 a month and you can easily get a custom price from Toggle, a Farmers Insurance® company.

“By switching to Toggle, I actually saved $2/month and doubled my coverage from my previous insurance, plus my deductible is $400 less,” said Jeff from MO. Other members also say that it’s extremely easy to set up, approve of the fantastic rates, and love having the Pet Parent coverage option.

Your items are also covered by your policy limits wherever you go, so if a thief targets you at a cafe, or something gets stolen out of your car, etc, you have peace of mind!

Toggle serves the following 25 states: Arizona, Arkansas, California, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Wisconsin

15. Stop Guessing Your Future. This Free Money Tool Tells You Exactly What You Need to Do

Americans suck at managing their money. 40% would struggle coming up with $400 to take care of an unexpected expense. So how is retirement going to look like?

Everyone needs a financial planner but obviously that is $$$$. But you don’t have to guess and fumble on your money’s future either. Get 100% free financial planning with Savology, where after answering some questions about your income, savings, assets, debt, etc. you’ll get a crystal clear picture of your financial strengths and weaknesses.

Takes about 5 minutes and you’ll get a free report card, financial plan, and most importantly, personalized action items on areas you can improve to get you closer to a comfortable retirement.

Jenny R. says “Love Savology. It’s the most efficient financial planning app I’ve ever used! Their recommendations are tailored specifically to the individual, which makes for unique financial planning according to one’s circumstances. Highly recommend it!”

So stop procrastinating on what to do with your money and start using Savology, a free tool that’s basically your personal financial advisor!


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