7 of the Best Money-Making Apps of 2023

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For those looking to make money in an easily accessible way, apps provide plenty of avenues to consider. You can use your smartphone to take surveys, pick up a side gig, sell your unwanted stuff and more.
Here’s the scoop on seven free money-making apps. NerdWallet considered apps with at least four stars and 25,000 reviews in both Google Play and the iOS App Store.
7 of the best apps to make money
- What's next?
- How do we review brokers?
- Fidelity is best for:
- Vanguard is best for:
- Business insurance ratings methodology
- Key takeaways about FDIC insurance
- Bookkeeping and accounting software
- How to maximize your rewards
- What’s an affinity group?
- How to compare car insurance quotes
- Fidelity CD rates
- More ways to use the home equity line of credit calculator
- Wait it out for better credit
- 1. Abuelo’s
- 1. The Ritz-Carlton, St. Thomas, U.S. Virgin Islands
- Fidelity at a glance
- 1. Come to your workplace
- Tax deductions
- Public agency adoption
- 1. Earn with ads as a YouTube Partner Program member
- Earning Delta Platinum Medallion status
- Vanguard at a glance
- Pay more than minimum
- Insurer complaints methodology
- 1. Start saving early
- 1. Fort Lee, New Jersey
- 1. Japan Airlines
- Income requirements for filing a tax return
- 1. Legal nurse consultant
- World of Hyatt
- Banks
- 2. Auntie Anne’s
- 1. Earn airline elite status
- Understand the budgeting process
- Step 1: Personal information
- Common investment and brokerage fees
- What is term life?
- Recruitment and retention
- 1. Make the supermarket your mall
- 1. Are you exempt from withholding tax?
- Our picks for authorized user card spending limits
- 1. Cancel your flight with the airline
- How does my credit score impact personal loan offers?
- Open a brokerage account
- 1. Ibotta
- Apply for the mortgage in your name
- You could save hundreds
- Decide on an account type
- Credit limits, and how you use them, matter
- AT&T
- If the Supreme Court rules on the lawsuit before June 30, 2023
- 2. Bethel Park, Pennsylvania
- 1. Start with a new or existing retirement account
- Ally Bank: Best bank
- IN THIS REPORT
- Creditors
- Lower capital gains taxes
- 3. Baskin-Robbins
- 1. Decide how much coverage you need
- 2. Scrub Island Resort, Spa & Marina, Autograph Collection, British Virgin Islands
- Compare top CD rates
- The message isn't private
- Analysis: Benefit changes
- Personal property coverage on a standard policy
- Step 2: Account for multiple jobs
- Debt snowball
- Decreased cost
- Offerpad locations
- 2. Harass you
- Find preapproved offers
- What you get from TurboTax's free version
- Our pick for: Simplicity
- Step 1: Choose a name for your PA LLC
- 1. Food trucks
- 1. You can purchase United TravelBank credits for your account
- How do I see my credit score for free?
- 1. Chase Ultimate Rewards®
- 1. Decide where to buy Bitcoin
- 2. Fly with someone who has airline elite status
- Earning Delta Diamond Medallion status
- 1. Open a brokerage account
- Boost
- If the Supreme court does not rule before June 30, 2023
- NEW: Priority Boarding
- What is whole life?
- 3. Sarasota, Florida
- 2. All Nippon Airways
- Retirement benefits
- 2. Nurse health coach
- Minimum down payments and credit scores
- 2. Determine the amount of your claim
- Alliant Credit Union: Best credit union
- 1. Decide how you want to invest in the stock market
- Automate reports, processes
- Student loan providers
- 1. Pick up freelance work online
- Reduced estate tax
- Private adoption
- 4. Benihana
- 1. Inspect the check
- 1. See if you qualify for an exception to the 10% tax penalty
- Important information is missing
- 1. When you want a shield from estate taxes
- Our pick for: Everyday spending
- Debt avalanche
- Potential for increased productivity
- 2. Decide how much home you can afford
- Tuesdays and Wednesdays are the cheapest days to fly domestically
- Low annual fee
- Interest on a mortgage for your main home
- 3. Ask an elite member for their unused upgrades
- 2022 Earned Income Tax Credit
- Jackson Hewitt
- With credit, older is better
- Verizon
- Step 3: Claim dependents, including children
- 4. Oro Valley, Arizona
- Income taxes for single-member LLCs
- Personal health and wellness services
- 2. Did you receive income that isn't taxable?
- Compare car insurance rates by age
- 1. You are responsible for the entire loan amount
- 3. Start your claim
- Capital One 360: Best online banking experience
- Ally Bank Wire Transfer Fees
- Tools for manufacturing, distribution
- Try a larger down payment
- Southwest Airlines
- ESG investing may lead to high returns
- Marriott Bonvoy
- Option 1: Check your EIN confirmation letter
- What to keep in mind
- A legacy of giving
- Changes and cancellations
- 5. Bojangles
- Choose the right broker
- How much should I save each month?
- NEW: 2x miles on specific categories
- Automate
- What kinds of homes does Offerpad buy?
- 3. Arrest you for debt
- Track my state refund
- 3. Singapore Airlines
- How it works
- Sign-up bonus
- 2. Car wash services
- Understand you’re probably a speculator, not an investor
- Build equity faster
- Utility companies
- Intercountry adoption
- The rule of 25 and 4% rule
- What H&R Block Free can do
- 1. Understand the differences between an ETF and a stock
- 3. The Cove at Atlantis, Bahamas
- You're threatened or harassed
- Step 4: Refine your withholdings
- Other ways to access M Club lounges
- One thing to look out for
- 3. Check and strengthen your credit
- 5. Prescott, Arizona
- Other taxes
- You can temporarily self-report income
- 2. Buy-and-hold investing
- 1. Consider replacing pros
- 2. United TravelBank credits are valid for five years
- Charles Schwab: Best for ATM access
- FSA loans
- Will pre-qualifying affect my credit score?
- Bank of America Wire Transfer Fees
- 2. Rakuten
- Interest
- Interest on a mortgage for your second home
- Anonymity
- 6. Chick-fil-A
- 4. Volunteer for an oversold flight
- Think long term versus short term
- How do you calculate interest on a savings account?
- 2. Find and compare ETFs with screening tools
- Transferring to Virgin Atlantic
- Before filing
- Employee preferences and roles
- Saturday and Monday flights can help you avoid the Sunday rush
- 2. Stream your video and music payments to this card
- Personal concierge services
- 4. Delta Air Lines
- 3. Are you exempt from minimum wage and overtime rules?
- 3. Specialized care provider
- Debt-to-income ratios
- Ongoing rewards
- 1. It applies only to investments held in taxable accounts
- 2. Your credit is on the line
- 4. Review the claim documentation checklist
- 2. U.S. Bank rewards
- Step 1: Navigate to the estimate
- Shorter path to full homeownership
- Add-ons and app integrations
- Be aware of community property states
- 1099-A
- Insurance companies
- Baggage
- 2023 Earned Income Tax Credit
- 2. Ask yourself why you received the check
- What it can’t do
- H&R Block
- Cheapest auto insurance from the largest companies
- Third-party special needs trust
- NEW: 10% bonus for Bank of America account holders
- Step 5: Sign and date your W-4
- Itemize on your taxes
- Discounted rates
- 6. Walnut Creek, California
- 4. Pursue you for debt you don’t owe
- You need an SR-22 or FR-44 form
- Step 2: Choose a registered agent in PA
- 1. Consider your vending machine options
- 2. Look into suburban venues
- Chase: Best for sign-up bonuses and for branch access (tie)
- What do I need to pre-qualify for a personal loan?
- Chase Wire Transfer Fees
- Points you paid on your mortgage
- 2. Test websites and apps
- If you got your car back, would you be able to afford insurance, maintenance and gas?
- Diversification
- 7. Chili’s
- 2. Choose your insurance deductible
- 7,500-mile awards on American Airlines
- Open the account
- Delta Choice Benefits Selected After Feb. 1, 2023
- 1. Raise the money
- You're asked to make an unusual payment
- What does Spirit consider a personal item vs. carry-on vs. checked bag?
- High annual fees or poor customer service
- AT&T
- Income taxes for multi-member LLCs
- 1. Make dollar-cost averaging your friend
- Automatic Silver status with Hotels.com
- 3. Auto repair
- 2. It’s not as financially fruitful if you’re in a low tax bracket
- Estimate your potential refinancing savings
- 5. Submit your supporting documents
- Types of residency statuses in Arizona
- Start small and diversify
- Long-term savings
- Fees
- ESG investing may lower your risk
- 1099-B
- Landlords
- 1. Get sponsored
- 5. Purchase upgrades with the right credit card
- 2. See if you qualify for a hardship withdrawal
- Use investment capital losses to offset gains
- 2. Pick an investment account
- 2. When you need to protect assets from creditors
- NEW: $100 discount on an Alaska Lounge+ Membership
- Use Schedule A
- 0% balance transfer credit card
- Claiming the credit
- Communication and technology software
- 7. Brookfield, Wisconsin
- Wednesdays and Thursdays are the cheapest day to fly internationally
- Beauty and lifestyle service business ideas
- Establishing domicile
- What it looks like
- General obligation bond
- 3. Trim the guest list
- 3. You can get United TravelBank credits by holding an IHG card
- Discover Bank: Best savings account
- Wells Fargo Wire Transfer Fees
- Resource hub
- Late payment charges on a mortgage payment
- Option 2: Check other places your EIN could be recorded
- Do you have access to affordable public transportation or a carpool?
- Transparency
- 8. Cinnabon
- 4. The Westin Grand Cayman Seven Mile Beach Resort & Spa, Cayman Islands
- You've graduated to a permanent card
- You’ve maxed out your retirement accounts
- T-Mobile
- Pros:
- Blanket coverage
- biBERK business owner’s policy
- Put contributions into a Roth
- Your state requires insurance to get or reinstate a drivers license
- Our picks for employee card spending limits
- Other travel benefits
- 3. Active investing
- 3. Your access to credit may be affected
- 6. Respond to additional requests right away
- 1099-C
- Employers
- 3. Evaluate other factors
- Pros and cons of secured and unsecured RV loans
- 3. Don’t use the money
- Help your kid decide what to invest in
- Intuit TurboTax
- Any fare type within 24 hours of booking: $0
- Is it worth claiming medical expenses on taxes? Consider your filing status
- Personal loans
- 4. Explore mortgage options
- 8. Saratoga Springs, New York
- 5. Call you whenever they want
- 3. Transition to this card for gas and more
- Mortgage insurance
- Revenue bond
- 1. Open a brokerage account
- 3. If you're going for it, you have only until Dec. 31
- 4. Seek an off-peak season
- Resident status rules
- SoFi: Best for checking, high interest, overdraft fee avoidance and more
- 2. Choose an investing account
- Beware penny stock scams
- Step 2: Create an invoice
- Bring a bigger down payment to the table
- Prepayment penalties
- Step 1. Compare donor-advised fund sponsoring organizations
- Do you plan to declare bankruptcy?
- 2. Take a cut with affiliate marketing
- Tax benefits
- 9. Cold Stone Creamery
- 2. Decide how to store Bitcoin
- Hold the shares inside an IRA, 401(k) or other tax-advantaged account
- 3. Decide how many shares to purchase
- Save $70-$80: Become a United or Delta frequent flyer member
- Divorce or separation from a spouse
- Verizon
- Cons:
- Roth IRA
- Transferring to Flying Blue
- Policies that apply to the entire workforce
- Resident status rules
- 1. Avoid filing your tax return on paper.
- You frequently use a car-sharing service
- Serving parents, babies, and small children
- 1. All Nippon Airways
- 4. Wellness coach
- Step 3: Obtain a Pennsylvania business license
- How long will it take to pre-qualify?
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Opaque pricing, confusing website
- 3. Swagbucks
- Interchange
- 1099-CAP
- 3. Pick up tasks on Amazon's Mechanical Turk
- Home study
- 6. Use miles to upgrade
- 3. Place the trade
- Allow up to 50% of your income for needs
- Basic economy fare after grace period: Full ticket cost
- You have a lifelong dependent, such as a child with a disability
- 3. To qualify for certain government programs
- First-party special needs trust
- Updated: Alaska's Famous Companion Fare™
- Complimentary park hopper tickets annually
- 9. Bloomington, Minnesota
- Book one to three months in advance
- Choosing corporate tax status for your LLC
- 1. Locking up savings for a near-future purchase
- Cost (and quality) of living
- Handy features
- 4. Personal trainers
- Resident status rules
- 5. Move the special day
- 4. You could be sued by the lender
- Wells Fargo Bank: Best for branch access (tie)
- But economic outlooks could be bleaker than necessary
- American Airlines
- Bring documents showing financial stability
- Interest on a home equity loan
- Collection agencies
- 10. Del Taco
- 2022 credit card bonus categories
- Where can I get an RV loan?
- 2. Work out a plan
- Scheduled personal property coverage
- Traditional IRA
- Our pick for: Homebodies
- Stock mutual funds = higher potential returns (or losses)
- Enhanced credit
- Choose term life if you:
- Regular evaluations and adjustments
- Offerpad Express
- 2. Get direct deposit.
- You want to maintain continuous coverage
- 2. Diversify your holdings
- 4. Tax-loss harvesting is most useful if you’re investing in individual stocks, actively managed funds and/or exchange-traded funds
- 4. Dollar-cost averaging
- 4. It’s possible to use credit card travel credits to fund your United TravelBank
- Part-year resident status rules
- SBA loans
- Access federal student aid and other government loans
- Windows users only
- 1099-DIV
- Step 2. Contribute cash or other assets to the donor-advised fund
- 3. Consider converting your 401(k) to an IRA
- 4. Place your order
- 5. French Leave Resort, Bahamas
- What are the best S&P 500 index funds?
- Brokerage fee
- Keep good records
- 10. Northampton, Massachusetts
- 1. Seek payment on an expired debt
- 2. Set a stock trading budget
- Step 3: Select an amount to invoice
- Larger monthly payments
- Consider bringing your own financing
- Government agencies
- 11. Denny’s
- 2021 credit card bonus categories
- How long are RV loans?
- 10,000-mile awards on American Airlines
- What we like
- Nonrefundable fare after grace period for travel that originates in North America: $0
- Call and ask for better terms
- A high-deductible health plan might be right for you if:
- How to have more taxes taken out of your paycheck
- biBERK workers’ compensation insurance
- Lifted manufacturing cap
- Choose whole life if you:
- Set a price alert
- Should you refinance your student loans?
- Split between a traditional and Roth IRA to defer taxes
- 4. Supplement with another card, or cards
- 3. Start tracking right away.
- 2. Keeping some savings at a distance
- You rent cars frequently
- Academic consulting services
- Our pick for: Online purchases
- You don't want to risk sold-out cars
- Benefits of municipal bonds
- Capped value of reward nights
- 1099-G
- Step 3. Itemize your taxes to get the tax break
- 7. Pay for a last-minute upgrade
- You want to help your family pay estate taxes
- U.S. Mobile
- Filing your LLC articles of organization
- 5. Research first-time home buyer assistance programs
- 2. Pressure you
- Part-year resident status rules
- 5. Nurse blogger
- 5. Newborn and post-pregnancy services
- 5. Index investing
- 5. You can't use United TravelBank funds for other travel purchases
- 5. Your relationship could be damaged
- Ally Bank: Best money market account
- Check the volume
- Longtime customers miss out
- Any entity with a court order
- Search fees
- The right savings rate
- 12. Edible Arrangements
- 2020 credit card bonus categories
- 4. Consider extra coverage
- How do I apply for an RV loan?
- 4. Alert authorities to fraud
- What makes TurboTax the best overall paid package?
- Leave 30% of your income for wants
- How to avoid Spirit Airlines change fees
- A low- or no-deductible health plan might be right for you if:
- Pooled trust
- Used cars now eligible
- Other discounted theme park tickets
- Rebook if you find a cheaper price
- 4. Don't let things go too long.
- 3. Ensuring returns without market risk
- Mortgage rates
- 1. High-yield savings accounts
- 5. You must keep your apples and oranges straight
- Part-year resident status rules
- Nonresident status rules
- No collections until Fresh Start expires
- Opportunity cost
- Mastercard vs. Visa: Weekly results
- 4. Fiverr
- 1099-INT
- 4. Take surveys for money
- The lender or repo agency can repossess the car but not the items inside
- 3. Land a brand deal and make sponsored content
- See what federal tax bracket you're in
- 4. Take out the bare minimum when cashing out a 401(k)
- 5. Keep an eye on your investment
- 4. Sit back and relax
- Nonrefundable fare after grace period for travel that originates outside of North America: $200-plus
- Build your score and then switch
- Ting
- Free checked bag
- How to have less tax taken out of your paycheck
- biBERK professional liability insurance
- Bond mutual funds = lower returns (but lower risk)
- Methodology
- 3. Sue you for payment on a debt
- You often borrow other people’s cars
- 3. Invest in sectors that perform well in recessions
- Capital One 360: Best online banking experience
- 4. Barclays rewards
- Step 4. Help your donation grow
- You can use credit card benefits to travel in basic economy
- Birth mother expenses
- 2. Promote your business
- 13. Firehouse Subs
- 2019 credit card bonus categories
- Tax tools
- What makes TurboTax easy to use?
- 6. St. Regis Bahia Beach Resort, Puerto Rico
- Save $189: Get an AmEx Green card
- Transferring to Club Premier
- 6. Compare mortgage rates and fees
- 5. One more thing to know about your tax refund
- Elder care services
- Watch the calendar
- You might be able to reserve a car now — and rebook the same one later at a discount
- Step 4: File your Certificate of Organization
- Be prepared to research
- QuickBooks Online
- Delta Air Lines
- 1099-K
- Your property shouldn’t be damaged in the process
- Check out state income tax rates
- 5. Get a quote
- 3. Go Pro Bono
- Tax tools
- Try different ways to avoid overspending
- You want to diversify your investment portfolio
- Consumer Cellular
- Discounted in-flight purchases
- Stock trading fee
- Past years' tax brackets
- 4. Sell your debt
- Nonresident status rules
- 6. Freelance writer or editor
- 3. Learn to use market orders and limit orders
- 6. Removing yourself as a co-signer isn’t easy
- Discover Bank: Best savings account
- A second shot for borrowers who rehabilitated and defaulted
- What do I need for my loan application?
- Tighter range of home affordability
- Legal fees
- The magic of compound growth
- 14. IHOP
- 2018 credit card bonus categories
- 3. Make your purchase
- More tax stories
- 12,500-mile awards on American Airlines
- Refundable fares: $0
- Jewelry warranties
- How to use a W-4 to owe nothing on a tax return
- Roth IRA withdrawal rules
- Debt management plan
- Other insurance available from biBERK
- Money market mutual funds = lowest returns, lowest risk
- Price cap
- How I bonds are taxed
- Be flexible with destination, airport and dates
- Set cash aside
- 6. Growth investing
- 6. The United TravelBank doesn't earn interest
- Mastercard vs. Visa: Daily results
- 1099-LTC
- Learn about free filing options
- Commit 20% of your income to savings and debt repayment
- More tax stories
- Google Fi
- No foreign transaction fees
- 5. Negotiate what you owe
- 1. Use a CD ladder
- 2. American Airlines
- 4. Focus on the long-term
- Find a tax relief company that's best for you
- Loan limits
- No bonus categories for ongoing spending
- 6. The upside of losing is limited to $1,500 to $3,000 a year
- Synchrony Bank: Best for CDs
- Sage 50cloud
- How to maximize your rewards
- 5. Make money from your blog as an affiliate
- Step 5. Pick charities to support
- 4. Sell some merch
- 15. Jersey Mike’s Subs
- 2017 credit card bonus categories
- 4. Manage your investment
- 7. La Concha Renaissance San Juan Resort, Puerto Rico
- Free Clear membership: Add an AmEx Platinum card to your wallet for free Clear membership
- 1. Think about your wishes for your loved one
- Roth IRA withdrawal penalty
- Bankruptcy
- 7. Get a preapproval letter
- You typically borrow a car from someone in your household
- Animal care services
- Consider using a retirement account
- 4. Practice with a paper trading account
- 6. Enrichment activities for children
- Find the tax relief company that's best for you
- 3. Learn the difference between investing in stocks and funds
- 5. American Express Membership Rewards
- 5. Upwork
- 1099-MISC
- Perks await when you fly economy with elite status
- Travel
- Find tax software that works for your situation
- Income eligibility cap
- 2. Open a no-penalty CD
- 7. Hospice caregiver
- Marcus by Goldman Sachs: Best for same-day, high-limit transfers
- Balboa Capital
- Step 4: Customize the invoice
- IHG Rewards
- 16. Melting Pot
- 2016 credit card bonus categories
- 1. Hold on
- Jewelry service plans
- Debt settlement
- I bond tax benefits
- You drive rarely or not at all
- Ways to get help
- Limited choices for redeeming rewards
- 7. Don’t sell your losers just to get the tax break
- 7. Value investing
- 1099-NEC
- How to get an extension
- Past years' tax brackets
- What about DIY?
- How to cancel award tickets booked with Delta SkyMiles
- The premiums are expensive
- 2. Choose trustees
- Home maintenance and repair services
- Property standards
- Compare car insurance rates for drivers with a DUI
- Risks of municipal bonds
- 2. Certificates of deposit
- 2. Find the right location for your vending machine
- SoFi: Best for checking and savings combo
- The fresh start will be reflected on credit reports
- 5. Offer memberships
- 17. Moe’s Southwest Grill
- 2015 credit card bonus categories
- What we like
- 8. St. Kitts Marriott Resort & The Royal Beach Casino, St. Kitts
- Past years' tax brackets
- 4. Look for a promotion
- 2. Use tax-advantaged accounts
- AT&T
- Mutual fund transaction fee
- Our pick for: Socializers
- Safeco vs. Liberty Mutual home insurance
- If you're audited
- Foreign LLCs operating in Pennsylvania
- 7. Mobile apps and entertainment for children
- Find the tax relief company that's best for you
- How will my loan application affect my credit score?
- 6. Capital One Rewards
- United Airlines
- 1099-OID
- 6. Sell your wares on Etsy
- Raising a child
- 3. Sell your castoffs
- Learn how quarterly estimated tax payments work
- Offerpad Flex
- 3. Japan Airlines
- 8. Childbirth education or doula
- Overall diversification
- You might also like:
- The card counts toward your Chase 5/24 limit
- 5. Measure your returns against a fitting benchmark
- 8. Put the cash from the sale to good use
- 18. Pinkberry
- 2014 credit card bonus categories
- What makes TaxAct the best for assisted tax pro support?
- T-Mobile
- What are the best Nasdaq index funds?
- 8. Choose a real estate agent carefully
- Methodology
- Step 5: Draft an LLC operating agreement
- How long will it take for my application to be approved?
- 1099-PATR
- Tax-efficient strategies
- How a 401(k) works
- The cash value is slow to grow
- 3. Rebalance with dividends
- 3. Create your trust
- 1. The W-4 form has changed
- Automobile maintenance and repair
- If you're getting a refund
- Our pick for: Cell phone and internet bill payments
- 8. Income investing
- Triton Capital
- 6. OfferUp
- 1. Choose to DIY or get some help
- Hilton Honors
- 19. Red Robin
- 9. Courtyard by Marriott Aruba Resort, Aruba
- Verizon
- Final assembly requirements
- Safeco vs. Travelers home insurance
- 3. Money market funds
- 8. Shared accessories and attire
- How long will it take to get funded?
- 7. Citi ThankYou Points
- 1099-Q
- 4. Earn badges through Live videos
- After filing
- 9. Pick the right type of house and neighborhood
- 6. Keep your perspective
- Charles Schwab Bank: Best for ATM access
- 4. Set a budget for your stock market investment
- 7. Get advertising revenue from your blog or YouTube channel
- 20. Starbucks
- The cash value rate of return can be low
- 4. Exclude home sales
- 4. Fund it
- 2. Note if you are exempt from withholding taxes.
- New battery and sourcing requirements
- 9. Fitness nurse
- 1099-R
- Expense ratios
- Refinancing
- 9. Socially responsible investing
- SoFi: Best for high-interest checking, no monthly fee and overdraft fee avoidance
- Access to repayment options and forgiveness is restored
- Option 3: Call the IRS to locate your EIN
- ETFs vs. mutual funds
- 21. Wingstop
- You can’t control your portfolio
- 8. Bank of America® rewards
- 1099-S
- 5. Monetize Reels with bonuses
- 5. Carry losses over
- AT&T
- 10. Medical product sales
- Compare car insurance rates for drivers with poor credit
- 4. Government bonds
- Step 6: Comply with Pennsylvania employer obligations
- Axos Bank: Great for interest checking on up to $50,000
- Mastercard vs. Visa vs. Oanda: Weekly results
- 7. Poshmark
- B2B administrative services
- 4. United Airlines
- 1. Lower risk by building positions slowly
- 9. Shared home improvement equipment
- 1099-SA
- 8. Become an Instagram influencer
- 6. Consider a robo-advisor
- Boost
- 5. Invest your funds
- BriteCo
- 3. File a new W-4 form when life changes.
- 10. Stick to your budget
- Homebuying
- Connexus Credit Union: Great for interest checking on up to $25,000
- ETFs vs. stocks
- Lean FIRE
- 22. American Eagle
- There can be tax implications if you withdraw cash from your policy
- Access to short-term relief
- 5. Focus on investing for the long-term
- Step 5: Repeat until the estimate is closed
- T-Mobile
- What is the gender pay gap in your state?
- Sales and marketing
- 11. Telehealth consulting
- 2. Ignore 'hot tips'
- Long-term goals vs. short-term goals
- LendingClub Bank: Best for cash back
- Farm Credit
- 2. Know your own ESG criteria
- 23. Anthropologie
- 4. Get comfortable fiddling with your withholdings.
- Our pick for: Parents
- Credit flexibility
- 1. Pick which types of I bonds you want to buy
- Step 7: Pay Pennsylvania LLC taxes, and file a Certificate of Annual Registration
- 3. Find your vending machine
- Fat FIRE
- Nationwide vs. Allstate home insurance
- Sales load
- 11. Make the most of open houses
- 10. Vacation rentals
- Quontic Bank: Most domestic ATMs
- 9. Monetize your Twitch channel
- 24. Banana Republic
- Conventional loans
- 6. Manage your stock portfolio
- 3. Choose ESG investments
- Barista FIRE
- GemShield
- Technology maintenance and repair services
- 12. Education specialist or course creator
- 3. Keep good records for the IRS
- Low-risk vs. high-risk investing strategy
- 25. DSW
- 1. Have a goal for your index funds
- 2. Decide how much you want to invest in I bonds
- Our pick for: Maximized value
- 5. Corporate bonds
- 11. Electronics repair
- Nationwide vs. Geico home insurance
- FHA loans
- 26. J. Crew Factory
- 12. Pay for home inspections
- Do-it-yourself vs. hiring professional help
- 2. Research index funds
- 3. Figure out how long to keep your I bonds
- B2B legal services
- 13. Medical billing and coding contractor
- Step 8: Comply with federal requirements
- 10. Sell your photography
- 27. Journeys and Journeys Kidz
- Management or advisory fees
- What is the gender racial wage gap?
- 4. Stock your vending machine with inventory
- Jewelers Mutual
- Compare minimum and full coverage rates for drivers with an accident
- 12. Academics courses
- 1. Ask the company
- 28. Madewell
- 13. Negotiate with the seller
- 6. Mutual funds
- 14. Career coach
- 2. Search SEC filings
- 29. Old Navy
- 3. Pick your index funds
- Step 9: Maintain your PA LLC
- 13. Language courses
- 5. Explore your financing options
- 30. Target Circle
- Our pick for: Travel couples
- 14. Buy adequate home insurance
- Lavalier
- 15. Child care provider
- 7. Index funds
- 3. Inquire with a credit bureau
- Stock ETFs
- 31. Victoria’s Secret
- 401(k) fees
- 11. Become a dog walker or dog sitter
- 4. Decide where to buy your index funds
- 4. Use a paid EIN database
- Commodity ETFs
- Our pick for: Prime gaming
- 14. Business or marketing courses
- 5. Use Melissa Database for nonprofits
- 32. Aveda
- 1. What is a service business?
- Assess your skills
- Bond ETFs
- 12. Sell unused gift cards
- 33. BareMinerals
- 5. Buy index funds
- 2. How do you start a service business?
- 1. Gather your information
- 15. Personal wellness
- International ETFs
- Benefits
- 6. Make the right investments
- 34. CVS
- 3. How do you calculate the break-even point for service businesses?
- Align your schedule
- Sector ETFs
- 35. Sephora
- 6. Keep an eye on your index funds
- 4. Do service businesses charge sales tax?
- 8. Exchange-traded funds
- Drawbacks
- 13. List your spare bedroom on Airbnb
- Our pick for: Big shoppers
- 16. Courses in hobbies or interests
- 36. Smashbox
- Feed your passion
- 2. Choose the right liability car insurance coverage levels
- 1. Open a brokerage account
- 37. The Body Shop
- 17. Bookkeeping and accounting
- 38. Ulta
- Our pick for: Target gaming purchases
- 9. Dividend stocks
- 1. How do I get a tax ID number for a small business?
- 2. Find the ETFs you want to invest in
- 2. Is a business tax ID number the same as an EIN?
- 14. Sell your gently used clothes
- 18. Consulting
- 39. AMC Theatres
- 3. Can you have a business without an EIN?
- 3. Buy the ETF
- 40. Barnes & Noble
- Vending machine business advantages
- 4. Do I need an EIN if I am self-employed?
- 4. Hold onto the ETF
- 10. Individual stocks
- 41. Redbox
- 3. Decide if you need full coverage car insurance
- Vending machine business disadvantages
- 15. Trade in old phones, electronics for cash
- 19. IT support
- Our pick for: Travel companion benefits
- 1. Are vending machines profitable?
- 11. Alternative investments
- 20. Graphic design
- 16. Get a babysitting gig
- Our pick for: Walmart gaming purchases
- 2. Do vending machine owners pay rent?
- 3. Are vending machines taxed?
- Best Brokers for ETF Investors
- 21. Social media management
- Investing in ETFs Versus Mutual Funds
- 4. Collect and compare car insurance quotes
- 4. Where can you place vending machines?
- 17. Rent out your car
- What’s a Typical Mutual Fund Expense Ratio?
- 12. Real estate
- 22. Marketing copywriter
- Our pick for: Home improvement
- 18. Sign up for TaskRabbit
- Our pick for: PlayStation purchases
- 23. Virtual assistant services
- 19. Become a private tutor
- 1. Do your research
- 20. Drive for Uber, Lyft
- 2. Get organized and make it official
- Our pick for: Indebted couples
- 21. Make deliveries for Amazon, Uber Eats
- Our pick for: Best Buy purchases
- 3. Find the right financing
- 22. Find work as a housesitter
- 23. Sign up to be a mystery shopper
- 24. Find seasonal work
- 25. Put your drone to work
- Car insurance rates for full coverage insurance by state
- You’re a first-time homebuyer
- You live in a high-risk area
- You have a dog
- 1. Check whether your pet is eligible
- You own valuable items
- 2. Decide how much coverage you want
- You own an older home
- 3. Understand reimbursements and deductibles
- 4. Look for exclusions and waiting periods
- 5. Examine extra costs
- 6. Compare quotes

The best money-making apps
1. Ibotta
How it works: Ibotta lets you earn cash back on in-store and online purchases at over 2,000 supported retailers. Originally for groceries, it has expanded to include clothing, entertainment and eating out, pet supplies and other categories. Offers can be product or retailer-specific — and some will automatically be applied. For others, you’ll need to complete an additional task such as watching a video or taking a poll.
There are three possible ways to earn cash back in stores: Add offers and submit your receipt in the app after your shopping trip (you have 7 days to send in your receipt through the app), link your retailer loyalty accounts or purchase a retailer gift card through the Ibotta app. For online purchases, you shop through the app or with the Ibotta browser extension on your computer.
Payment: PayPal, digital gift card or direct to a bank account.
Pros: You’ll receive cash back on in-store purchases quickly — typically within 24 hours. Ibotta also offers a welcome bonus to new users, referral bonuses and a variety of payment methods.
Cons: Making money can be a slow process. You must have at least $20 in cash back to redeem your earnings (some gift cards require at least $25 in earnings). For online shopping, the pending period for earning cash back varies by retailer. Ibotta also charges an account maintenance fee for inactive (no activity in 6 months) or deactivated accounts. The fee is deducted from your balance, not your bank account.
2. Rakuten
How it works: Rakuten (formerly known as Ebates) rewards shoppers with cash back on purchases from well-known retailers, restaurants and food delivery services. Users can also earn cash back on travel, gift cards and more. It’s straightforward: Create an account, tap on the store where you want to shop in the app, then make the transaction through the portal. You can also link a credit or debit card to your Rakuten account to earn cash back in-store — as long as you activate the deal through the app first. Rakuten credits the cash back to your account after it confirms the purchase with the retailer, which it says can take a few hours to several days.
Payment: PayPal or "Big Fat Check."
Pros: Thousands of stores and purchases are eligible for cash back, so you’ll likely find deals where you already shop. New users can earn a $10 welcome bonus after their first qualified purchase. You can also earn sign-up and referral bonuses. You can make an impact with your cash back earnings by donating a portion to nonprofit partners.
Cons: As with most cash-back services, you have to spend money to make money. You won’t see your earnings right away, either; Rakuten sends out payments every three months on the company's payment schedule, and you need at least a $5 cash-back balance to get paid. Unlike other apps like Ibotta, you have to remember to initiate your purchase in the app first. If you forget and make your purchase outside of the app, you can't get credit retroactively.

3. Swagbucks
How it works: Swagbucks is a cash-back and rewards app. You earn points, called "SB," by shopping online (there are over 1,500 participating retailers), taking surveys, watching videos, playing games or fulfilling other tasks through Swagbucks. You can redeem those points for gift cards or get cash back to your PayPal account. The total points awarded can vary by task. For example, surveys are typically worth about 40 to 200 SB points each. The minimum balance required to redeem depends on the payout option you choose, but some gift cards are available for as low as 110 SB.
Payment: E-gift card or PayPal. You can also redeem SB for Bitcoin through the new Cryptovoucher Gift Card options.
Pros: Swagbucks offers many easy ways to earn rewards, and there’s no waiting period to cash in. Payments usually arrive within 10 business days after redemption. You can also get a $10 bonus with a qualifying $25 purchase when you join.
Cons: It doesn’t pay much; one SB is worth about a cent. With many tasks valued at pennies, it can take a fair amount of time and effort to make substantial money. Additionally, you won’t qualify for every survey or task, although users can earn up to 5 SB per day if they disqualify. Users often report getting kicked out of surveys in the middle of taking them. This can be due to demographics or dishonest or inconsistent answers, according to Swagbucks.
4. Fiverr
How it works: Fiverr is a freelancing marketplace that features gigs in over 200 categories, such as programming and video and animation. Create an account first, then you can set your profile as a "seller" highlighting your expertise. Post the gig you’re offering, which will include pricing and a description of your services. Pricing ranges from $5 to $995. Clients, known as "buyers," can click through and place orders. You’ll get paid once you complete the job. Fiverr assigns seller levels based on performance. As you move up each tier, you’ll be able to sell more “extras,” such as a faster delivery time.
Payment: PayPal, direct to a bank account or credit to a Fiverr Revenue Card (a prepaid card). Minimum withdrawal amounts vary, and you may be charged a withdrawal fee, depending on which option you choose.
Pros: You don’t have to worry about tracking down buyers because they come to you. You can also earn tips. Fiverr also boasts its flexibility, allowing sellers to complete gigs in their own time or around their 9-5 jobs.
Cons: Fiverr takes 20% of your earnings for every gig, including tips, and there’s a standard 14-day waiting period to withdraw money after completing an order (top-tier sellers wait seven days for funds to clear).
5. Upwork
How it works: Upwork connects freelancers to gigs in writing, design, marketing and other categories on the marketplace. First, you’ll create a profile. It should include information such as the field you’re interested in plus your qualifications, availability and desired rate. Then, you can submit proposals. Clients will review them and offer projects if you seem like a good fit.
You begin each month with a set number of “Connects,” which are like credits that allow you to contact prospective clients. You can earn or pay a small sum for more Connects, but you won’t be charged when clients contact you. You can get paid on an hourly or per-project basis.
Payment: Direct to U.S. Bank, direct to your bank account, wire transfer, Instant Pay, PayPal and Payoneer. Charges apply to some payment options, so be sure to check Upwork for details.
Pros: Upwork helps take the work out of seeking out clients, establishing relationships and getting paid. The service also gives you the flexibility to set your preferred rate and schedule.
Cons: The app is free to download, but initiating contact with lots of clients costs money. Users also get charged a service fee. Upwork takes a 5% to 20% cut of your earnings based on how much you’ve billed a client. The more you earn, the more you get to keep. However, you won’t get paid until 10 days after the billing period ends. Remember, too, that you’re competing with other freelancers on the platform. That means clients may choose those who’ve set lower rates.
6. OfferUp
How it works: OfferUp, which combined with competitor Letgo in 2020, functions as a local marketplace you can use to sell your stuff. If you want to reach a broader audience, OfferUp also allows shipping anywhere within the United States except for Alaska, Arkansas and Hawaii. Create an account and snap a picture of your smartphone, car, sofa or whatever it is you’re selling. Once you add a title, description and price, you can post your listing and chat with buyers directly through the app. Then, you'll ship to or arrange a meeting with the buyer.
Payment: When selling locally, OfferUp recommends sellers take cash from buyers and stay clear of accepting payments by check, cashier's check or using other apps. For shipments, sellers can set up deposits to a debit card or bank account.
Pros: Creating a listing is simple and fast, and you’ll get paid instantly when you make a cash sale. You can also view a prospective buyer’s reviews and ratings to get an idea of how trustworthy they are beforehand. If you ship your item, the buyer pays the cost, and OfferUp provides the label.
Cons: You’re responsible for meeting local buyers in person and handling transactions. Sellers must pay a 12.9% service fee, or a minimum of $1.99, for shipments. To be successful, you’ll likely need to invest in a printer so you can print the shipping labels and mail items to buyers.
7. Poshmark
How it works: The Poshmark app is tailor-made for selling clothes, accessories and even home decor. After signing up, you take or upload photos of your item, fill out a description, price it and share the listing. You can also feature items in the app’s "Posh Parties," which are virtual shopping events centered around particular brands, categories and themes. Poshmark emails you a prepaid and pre-addressed shipping label once a purchase is made. Then, you send the package via USPS.
Payment: Check, PayPal, Venmo, Instant Transfer to an eligible Visa or Mastercard debit card, or direct deposit to a bank account.
Pros: Poshmark facilitates the entire process, from selling to shipping. Plus, you don’t have to meet with strangers to make a sale. The company will cover lost packages and handle issues between you and the buyer. Getting paid is relatively quick, too; Poshmark issues the money within three days of the buyer receiving the order.
Cons: You’ll pay a fee for selling through Poshmark. The company takes a $2.95 commission for sales under $15 and a 20% commission for sales of $15 or above.