7 of the Best Money-Making Apps of 2024
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For those looking to earn 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 3.8 stars and 25,000 reviews in both Google Play and the iOS App Store.
7 of the best apps to make money
- What you can do
- Still deciding on the right carrier? Compare Medigap plans
- Shopping for Medicare plans? We have you covered.
- LOOKING TO SAVE ON INTEREST?
- How to complete the FAFSA if:
- Key takeaways about FDIC insurance
- Business insurance ratings methodology
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Shopping for Medicare Advantage plans? We have you covered.
- Shopping for Medigap plans? We have you covered.
- How to get started
- How to maximize your rewards
- Simplifying tax time with accounting software
- Pros & Cons
- More ways to use the home equity line of credit calculator
- Get loan offers before heading to the dealership
- First: Standard airport security and departure formalities
- 1. Start saving early
- Nearest airports
- People out of the country
- Individual: $10.99 per month
- 1. Write your business plan
- Pros
- Save on the interest you pay
- Audible Plus: $7.95
- It's borrowed money
- Insurer complaints methodology
- How does my credit score impact personal loan offers?
- 1. The Second Service Foundation
- Refundable flights
- 1. Startup and organizational costs
- Step 1: Write a business plan
- 1. Create educational content or activities
- What mortgage terms are best for me?
- Second: U.S. preclearance formalities
- 1. A generous sign-up bonus
- 1. Become a planDisney panel member
- For sailings across the Caribbean, Mexico or Central America: CheapCaribbean
- People affected by certain natural disasters
- Alliant Credit Union: Best credit union
- PIN debit
- 1. Ibotta
- Personal Southwest credit cards
- AtoB
- 1. Figure out if you are eligible
- Pros and cons
- 1. Pick up freelance work online
- Investment-based passive income ideas
- 1. Solidify your business idea.
- Cons
- About these resources
- Estimate your potential savings with our student loan refinance calculator
- Audible Premium Plus 1 or 2 Credits: $14.95 or $22.95
- Our pick for: Consistent cash back
- How do I see my credit score for free?
- Size
- Student: $5.99 per month
- Freeze your Equifax credit report online
- 1. Roll your debts onto a balance transfer credit card
- Do an energy audit
- 1. Keep your charges on each card to a minimum
- Skip seat selection altogether
- 2. Offer virtual team-building
- What is a good FICO score?
- Standard with ads: $6.99 per month
- 1. Link the two accounts
- Pre-installation evaluation: $250 for a 2,000 square foot home
- NVIDIA Corp (NVDA)
- 2. Decide how much home you can afford
- Major airlines flying to Minneapolis
- Ally Bank: Best bank and best CDs
- What to know about cash advance apps
- 1. Retirement plans for retirement goals
- Credit limits, and how you use them, matter
- 2. Warrior Rising
- Southwest business credit cards
- 1. Be Our Guest Restaurant
- Monthly after-tax income
- Find data usage settings on your iPhone or Android
- Rental car
- 2. Inventory
- Axos Basic Business Checking
- How to unfreeze credit with Experian
- Example savings APYs at select institutions
- You’re able to use all the credits
- 2. Bonus earnings on travel, dining, select streaming services and online grocery purchases
- Add new offerings
- Earned wage access example
- Child tax credit 2023 (taxes filed in 2024)
- Some members of the military
- Flying Blue miles
- Type
- Signature debit
- 1. Decide how you want to invest in the stock market
- Family: $16.99 per month
- Step 1: Enter your personal information
- Universal life insurance cash value
- Give your thermostat a nudge
- 1. Donate to a qualifying organization
- 1. Dividend stocks
- If any of these situations apply to you
- 3. Start a meal-prep business
- 2. Provide external account information
- Full Review
- Audible Premium Plus Annual 12 or 24 Credits: $149.50 or $229.50 per year
- How much does HelloFresh cost for two people?
- To keep track of various investment goals
- 1. Do chores and odd jobs around the house or neighborhood
- Charles Schwab: Best for ATM access
- 1. Money market accounts
- Cheap auto insurance from large companies
- 2. Cinderella’s Royal Table
- 50% of your income: needs
- Nonrefundable flights
- LendingClub Tailored Business Checking
- NY state income tax: Single and married filing separately
- 2. Define what you're looking for in a business partner.
- Deciding on a business entity
- Standard: $15.49 per month
- Our pick for: Families
- SBA loans
- 1. Everyone can earn points and miles
- Ductwork and design: $500 to $7,500
- Positive Rent Payment pilot program
- SoundHound AI Inc. (SOUN)
- 3. Check and polish your credit
- Traditional 401(k)
- The interest rate is sky high
- Business owner's policy, or BOP
- The Chase Freedom Flex℠ offers rotating 5% bonus categories
- Pros
- Materials and hardware
- 3. Stephen L. Tadlock Veteran Grant
- 1. Separate your business and personal finances
- Grants.gov
- Common size vertical analysis
- Coast
- 2. Decide what type of investor you are
- Income taxes for single-member LLCs
- Freeze your Equifax credit report by phone
- Rideshare and taxis
- Effects of COVID-19
- Adjust your fridge and freezer temperature
- Why are you setting up a retirement plan?
- It’s the only way to buy a car
- Step 2: Find the store or location you want to buy or rent
- 4. Create a food waste solution
- Down payment
- What is a good VantageScore?
- Alliant: Best for fast funding
- 3. Confirm the new account
- 2. Earn credit card bonus rewards
- Lower your debt-to-income ratio
- Optimize your existing market
- Child tax credit 2024 (taxes filed in 2025)
- Flying to Minneapolis on points and miles
- 2. Babysit, walk dogs and feed pets for pay
- Chase: Best for sign-up bonuses and best for branch access
- With credit, older is better
- 3. The Crystal Palace
- Step 2: Account for multiple jobs
- Pros
- How Credible student loan refinancing works
- Chase Business Complete Banking
- Universal life insurance premiums
- NY state income tax: Married filing jointly or qualifying widow(er)
- 2. Ask for higher credit limits
- SALT deduction for income taxes
- Consider all the costs of buying a second home
- Short-term capital gains tax
- Pro tip: Don’t forget the rules
- 6% cash back at the world’s largest retailers
- Reader tip
- Upstart Holdings Inc. (UPST)
- Book Korean Air first class with miles
- 2. Low-cost brokerage accounts for (nonretirement) financial goals
- Cons
- Will pre-qualifying affect my credit score?
- The details
- Changes and cancellations
- 2. Rakuten
- Personal loan vs. auto loan rates
- Merchants may pass interchange savings along to shoppers — or not
- Keep up with routine maintenance
- Limitations of USPS Informed Delivery
- How to unfreeze credit with Equifax
- 3. Update your online presence.
- Your good credit earns a very low interest rate
- Applying for licenses
- If you qualify for a hardship withdrawal
- Pick an airline with lower seat fees
- 5. Capitalize on plant-based foods
- Credit score
- Premium: $22.99 per month
- For consulting reviews from other cruisers: Cruise Critic
- Claim a niche market
- How much does HelloFresh cost for four people?
- Card details
- Estimate what you owe and pay it now
- Discover® Bank: Best online banking experience
- Professional installation
- 4. National Association for Self-Employed (NASE) Growth Grants
- National Endowment for the Arts
- Common size horizontal analysis
- 4. Liberty Tree Tavern
- EveryDollar
- 30% of your income: wants
- Freeze your Equifax credit report by mail
- 2. Apply for a credit card consolidation loan
- Cons
- Bus
- Types of residency statuses in Arizona
- 2. Test websites and apps
- 3. Utilities
- NY state income tax: Head of household
- Ask listing agents these questions
- Long-term capital gains tax
- It’s not what you can borrow, it’s what you can afford
- 3. 10% point bonus each year
- Airline-specific websites
- The least hassle possible
- Traditional bank loans
- Avoid owing more than your car is worth
- Free rent-reporting services tenants can use on their own
- 4. Explore mortgage options
- Credit might not be accepted
- 3. Sell your stuff in person or online
- 2. Online high-yield savings accounts
- Cheap car insurance from midsize companies
- What do I need to pre-qualify for a personal loan?
- 2. Set your business up for growth
- WEX
- Income taxes for multi-member LLCs
- Errors not worth disputing
- Here are the current offers on Southwest consumer credit cards:
- Effects of climate change
- Bank of America Business Advantage Fundamentals
- Universal life insurance death benefit
- Did you know the Roth options have changed?
- 2. Dividend index funds and exchange-traded funds
- Step 3: Get funding
- Compare insurance rates for 20-year-olds
- 6. Start a dropshipping business
- Debt-to-income ratio
- You spend a lot on food in general, not just dining
- First Tech: Best for co-sign and joint loan options
- 4. Set up external electronic transfers
- Would refinancing save you money?
- Move into new markets
- The type of central air unit: $600 to $24,000
- SoFi: Best for checking account overall and best checking account for overdraft fee avoidance
- 5. Verizon Small Business Digital Ready
- Getting the best HELOC rate
- 5. The Diamond Horseshoe
- 2. Register your business
- Step 3: Claim dependents, including children
- Bridge loans are generally used in one of two ways:
- 1. State Farm
- 4. Insurance
- Home equity loans pros and cons
- SALT deduction for sales taxes
- Under 35
- Services provided by landlords
- Business liability insurance
- Remember your state tax return
- The Chase Freedom Unlimited® offers a solid flat rate on 'everything else'
- Want to compare the best of the best?
- High annual fees or poor customer service
- Does basic economy get a carry-on on United?
- Personal loan vs. auto loan terms
- An example of buying a call option
- Credit Karma
- 3. Choose how much you want to invest
- 20% of your income: savings and debt
- Resident status rules
- Advantages of sticking with one bank
- Will you need to adjust employer contributions?
- 2. Document your charitable contributions
- Cash reserves
- 4. A 25% boost when redeeming for travel via Chase
- Google Flights
- Online lenders
- Own your car sooner
- Roth 401(k)
- 4. Sell lemonade in the summer or hot cocoa in the winter
- UFB Direct: Best savings account
- 6. Fast Break for Small Business
- 2. Choose an investment account
- Economic Development Administration
- 6. The Plaza Restaurant
- Step 4: Refine your withholdings
- Get a credit card that includes free checked bags on Hawaiian Airlines
- Best insurance company overall: Travelers
- Effects of reinsurance
- 3. Set up balance alerts to stay on top of spending
- Decide how you'll finance your second home
- How to enroll in USPS Informed Delivery
- 1. With more time for interest to accrue, you will pay more
- Business insurance
- 7. Curate subscription boxes
- Seek referrals
- Summary of earned wage access apps
- To achieve tax diversification
- You could cut yourself off from credit in the future
- Stay on top of it
- 3. Index funds and ETFs
- You've graduated to a permanent card
- 3. Legitimize your operations
- Best insurance company overall: Travelers
- Here are the current offers on Southwest business credit cards:
- SXSW shuttle
- 2. Progressive
- 3. Learn to use AI tools
- Take shorter showers
- SALT deduction for property taxes
- What fees do Chase checking accounts have?
- 4. Leverage your existing online network.
- Documentation
- PenFed: Best for a seamless application process
- 5. A $50 hotel credit
- 2. Pool your points
- Figure out base project costs
- Services that charge renters
- Commercial property insurance
- Vio Bank: Best money market account
- Pros
- Delta SkyMiles
- How long will it take to pre-qualify?
- 7. Pennsylvania/New Jersey Job Creators Quest Grant
- 1. Making money
- 3. Swagbucks
- Other fuel cards to consider
- 7. Tony’s Town Square Restaurant
- Goodbudget
- Choosing corporate tax status for your LLC
- Step 5: Sign and date your W-4
- Part-year resident status rules
- Credit card rewards could look different
- Reasons for unfreezing your credit
- How to unfreeze credit with TransUnion
- LifeLock pros
- If you are converting your 401(k) to an IRA
- You want to transfer rewards to a domestic airline
- Useful 3% everyday categories
- Learn more about Zelle
- How to protect a copyright
- Do tipped workers earn the minimum wage?
- Owing a prepayment penalty
- Verto Education details
- Explore online sales channels
- 5. Teach others a skill
- 3. Cash management accounts
- Divorce or separation from a spouse
- Grant databases
- 4. Select a provider to open your Roth IRA
- Crashes and car theft
- Fly in a premium cabin
- Personal loan calculator
- Stock mutual funds = higher potential returns (or losses)
- 5. Business property rent
- Replace your showerhead
- Does Chase have a free checking account?
- Employee-related insurance
- What factors affect the amount you can borrow
- Example interest checking APYs at select institutions
- Appraisals
- Pros
- PACE and Medicare Advantage
- 6. Combine points from multiple cards
- The highest price
- Premiums
- Ages 35 to 44
- To review several cruise prices at once: CruiseDirect
- Size of the AC system
- Save miles with off-peak travel
- Cons
- Cheap car insurance after a speeding ticket
- Understand the value of the annual points bonus
- Common size income statement example
- 8. Jungle Navigation Co. LTD Skipper Canteen
- 1. Cash dividends
- CapMetro bus and rail
- 3. Geico
- Disadvantages of sticking with one bank
- 4. Pay your bill before your issuer reports to the credit bureaus
- 3. Bonds and bond index funds
- Step 4: Register your business
- 8. Create an airport-centric app
- Reader tip
- Preventing better use of your money
- Partner with other businesses
- Pros
- 5. Research first-time home buyer assistance programs
- The issuer could cancel your card or cut your credit limit
- 4. Get more options as a non-U.S. entrepreneur
- Bridge loan pros and cons
- Become a HawaiianMiles member
- Wash clothes in warm or cold water
- Seller concessions
- SALT deduction for personal property taxes
- Tips for unfreezing your credit
- 3. Don’t miss out on tax deductions for volunteering
- 5. Search online startup, co-founder, and business communities.
- 2. Lenders usually charge higher interest rates for long-term auto loans
- Navy Federal: Best for military members
- 1.5% back on all other purchases
- Cheapest full coverage car insurance in Texas for 20-year-olds
- Complimentary media tickets
- Dun & Bradstreet business credit scores
- Installation and labor: $75 to $250 per hour
- Add a budget buffer
- Redeem miles for lounge access
- To benefit from special offerings or features
- Our pick for: Grocery spending, commuting and streaming service subscriptions
- 4. Help from robo-advisors
- 8. Small Business Innovation Research and Small Business Technology Transfer programs
- 2. Stock dividends
- Get money back in the form of future flight credits
- Research organizations in your area that offer financial assistance
- 6. Auto expenses
- Home equity lines of credit pros and cons
- What is the Chase checking account minimum balance requirement?
- Qualify for a second-home mortgage
- When and how long can you request a mail hold?
- LifeLock cons
- Roll the dice with an upgrade hack
- 9. Become a destination wedding planner
- You’re looking for a lower annual fee
- PACE and Medicare Part D
- 7. Transfer points to airline and hotel partners
- 1. Zero-mile MileagePlus awards via the United Excursionist Perk
- Copays, coinsurance and deductibles
- 3. Get a companion pass
- Acquire a new business
- Cons
- Business income insurance
- Finding a listing in your price range can be tough
- Call and ask for better terms
- How do I access a HELOC?
- Price
- Damage you do to others
- 3. Tap your home equity for a loan or line of credit
- Earn elite status (Pualani)
- 4. Allstate
- Nonresident status rules
- Friend and family loans
- Adjust the temperature on your water heater
- How can I qualify to borrow more?
- 1. Find a dividend-paying stock
- Our pick for: Flexibility
- Outline your funding plans
- Card details
- 4. Certificates of deposit (CDs)
- 4. Fiverr
- Walmart Foundation
- 3. Dividend reinvestment programs (DRIPs)
- 1. Identify your limiting beliefs and emotions
- Reach out to a nonprofit credit counseling agency
- Revocable life insurance trusts
- Bond mutual funds = lower returns (but lower risk)
- Rideshare insurance costs by company
- What is the Chase direct deposit requirement for checking accounts?
- 4. Keep the deadline in mind
- Step 5: Get licenses, permits, and insurance
- 10. Make local guides
- Rich sign-up bonus
- A sure, fast closing
- Ages 45 to 54
- Franchising
- The details
- 9. Grants.gov
- How much does a HELOC cost?
- Predict your annual spend in bonus categories
- Other student loan calculators
- 1099-A
- Rideshare and taxis
- Pros and cons
- 4. Take surveys for money
- 7. Rent and depreciation on equipment and machinery
- Purchase energy-efficient appliances
- 5. Monitor your total credit utilization
- SALT tax deduction 2023
- Getting your mail at the end of a mail hold
- 4. Real estate investment trusts (REITs)
- SBA loans
- Pros
- You want to redeem points for travel directly
- 8. Worldwide acceptance
- Lowering your credit score
- Credit cards that earn World of Hyatt points
- Equifax business credit scores
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 6. Compare mortgage rates and fees
- Equipment breakdown insurance
- 6. Find local gigs through Nextdoor
- Cheap auto insurance after an accident
- Build your score and then switch cards
- An example of buying a call option vs. buying the underlying stock
- 4. Special dividends
- Your money management style
- Injuries to you
- Basic economy tickets are typically ineligible
- When to use a bridge loan
- Let them know you're a military member
- Best insurance company for affordability: NJM
- Which is better when?
- Cons
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- 4. Pledge loyalty to a single airline
- Minneapolis Marriott hotels
- You may still have to clean up after yourself
- Pros
- Best insurance company for affordability: NJM
- Common size balance sheet example
- 1099-B
- 5. Gather your paperwork
- Take out a small-dollar loan from a credit union or bank
- Pay the security deposit upfront in cash
- 5. USAA
- Money market mutual funds = lowest returns, lowest risk
- Credit access and security are also concerns
- Ask about discounted rates
- 3. You have a higher risk of developing negative equity
- 11. Create a local grocery delivery service
- Pay bills on time
- PACE and Medigap
- Free birthday admission
- 2. Evaluate the stock
- Ages 55 to 64
- Research your competition
- Devise an 'oh crud' plan
- Similarities
- 7. Freelance
- Try different ways to avoid overspending
- 10. GrantWatch
- Bank of America Charitable Foundation
- 5. Preferred dividends
- Bonus features
- Tickets booked with an online travel agency might be tricky
- Additional standard deduction 2023 (taxes due 2024)
- Irrevocable life insurance trusts (ILITs)
- Pedicabs
- 8. Office supplies
- Why is there a SALT cap?
- Compare car insurance rates for 35-year-olds
- More flexible bonus categories
- Fewer contingencies
- For budget-friendly options: Priceline
- Commercial auto insurance
- 5. Treasury notes, bills and bonds
- Cons
- What do I need for my loan application?
- 3. Learn the difference between investing in stocks and funds
- You can use credit card benefits to travel in basic economy
- Aim to earn the Companion Pass
- 3. Secure funding
- 2. Envision retirement
- Universal life vs. whole life insurance rates for men
- How to hold mail at the post office
- 6. Vet potential candidates.
- 12. Start a virtual event planning company
- Keep credit utilization below 30%
- 9. Coverage if your trip is canceled or delayed
- 5. Split the family into different itineraries
- Experian business credit scores
- 1. Examine your cooling needs
- You're going to get "graded" as a guest
- 1099-C
- 6. Dividend funds
- Account linking
- Your stolen stuff
- Additional standard deduction 2024 (taxes due 2025)
- Pros of mailing a credit dispute letter
- Bikes and electric scooters
- 6. Liberty Mutual
- How Credible private student loans work
- Work with a real estate agent to find your ideal second home
- 2. 2,240-point Southwest flights
- 3. Decide how much stock you want to buy
- Ages 65 to 74
- 7. Gather your loan paperwork
- 8. Tutor your peers
- 11. Southern California Job Creators Grant
- 2. Managing money
- 5. Upwork
- 4. Borrow from your 401(k)
- Borrow money from a family member or friend
- Hurricanes, tropical storms and tornadoes
- Place a debit card hold
- 5. Make money from your blog with affiliate links
- 9. Office furniture
- Universal life vs. whole life insurance rates for women
- 5. Money market funds
- 1. Think long term versus short term
- 4. You could fall into a cycle of negative equity
- Example CD APYs at select institutions
- Keep credit accounts open
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- 10. Baggage delay insurance
- Make a lump sum payment
- 2. Time it right
- How to maximize your rewards
- W.K. Kellogg Foundation
- Common size cash flow statement example
- Government bonds
- 1099-CAP
- 6. Pick your investments
- Cancel for Any Reason insurance can help
- Payday alternative loans
- 13. Sell zero-waste products
- Electric Vehicles
- 6. Book hotel suites
- Differences
- Other coverage options
- Methodology
- Cheapest car insurance after a DUI
- Spend toward A-List status
- Fleet expense management tools
- 1. Avoid filing your tax return on paper
- Security
- Cons of mailing a credit dispute letter
- Don’t forget your pineapples and papayas
- 7. Farmers
- Switch to LED lighting
- Appraisal fee
- 2. Look into tax-loss harvesting
- Space out credit applications
- 11. Rental car coverage
- Chase Sapphire Cards
- 3. Look for equipment rebates and tax credits
- 9. Take surveys
- 12. Michigan Veteran Entrepreneur-Lab
- Perks await when you fly economy with elite status
- Carnegie Corporation
- 1099-DIV
- Look at nonchain hotels
- 10. Software subscription
- Equipment financing
- 14. Make products for pets
- Make biweekly payments
- 8. Get a preapproval letter
- 1. Automate transfers
- The insurer of last resort: Citizens Property Insurance Corporation
- 2. Get direct deposit
- Dividend per share (DPS)
- Sinkholes
- Install dimmer switches
- Discount points
- 7. Set up interviews.
- 5. Repair and maintenance costs increase with a car’s age
- Seniors that are good drivers
- Monitor your credit reports
- Higher spending cap, no annual fee
- 12. Travel assistance
- Reader tip
- Card details
- Solar panel incentives by state
- Customer support
- How to have more taxes taken out of your paycheck
- Consider vacation rentals
- 8. Travelers
- 6. Sell your wares on Etsy
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- 15. Create custom clothing
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- 3. 2,500-mile Delta SkyMiles awards
- For booking travel experiences beyond the cruise: TripAdvisor
- How quickly could the IRS implement the child tax credit expansion?
- Amica vs. State Farm home insurance
- 10. Search for regular jobs for kids
- The details
- 13. Farmer Veteran Fellowship Fund
- 3. Stay on top of things
- 1099-G
- Dividend yield
- Best insurance company for accident forgiveness: Geico
- How to transfer points from Chase to Southwest
- 11. Advertising and marketing
- Use smart power strips
- 1. The modern consumer is smarter than ever before, so be an expert in your field.
- Example money market account APYs at select institutions
- 13. Purchase protections
- Pay extra on your monthly car payment
- Appendix: How the math works in our examples
- Home equity loan
- Our pick for: Utilities, commuting and more
- Minneapolis Hilton hotels
- Best insurance company for accident forgiveness: Geico
- 6. OfferUp
- Ford Foundation
- 3. Start small
- 401(k) hardship withdrawals
- Resident status rules
- Escrow account funds
- 6. High-yield savings accounts
- Business term loans
- How to protect a trademark
- Popular cash advance apps
- USAA vs. State Farm home insurance
- 2. Count your coins and bills
- Utility-based clean energy incentives
- An example of selling a call option
- Benefits
- 1099-INT
- User experience
- 4. Buy the property
- How to have less taxes taken out of your paycheck
- 5. Enter a debt management plan
- Experian
- 9. American Family
- Chase premium checking accounts
- 4. Call in a pro
- Seniors with an at-fault accident
- 16. Sell vintage clothing online
- Better possible rewards on food
- 14. Customer service without the wait
- Our pick for: Daily commuters
- 9. Choose a real estate agent carefully
- Cheapest auto insurance for poor credit
- 14. Bizee Fresh Start Business Grant
- 4. Set a budget for your stock market investment
- 4. One more thing to know about your tax refund
- 12. Business entertainment
- 8. Conduct a trial period.
- Amica vs. Geico home insurance
- How to maximize your rewards
- Coca‑Cola Foundation
- Drawbacks
- Corporate bonds
- Reviews
- Allianz Global Assistance
- 4. Consider passive investing
- Your credit
- Call and ask
- 7. Self-publish an e-book
- Where is the best place to exchange currency?
- Flood determination and monitoring fees
- 17. Begin niche blogging
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Home equity line of credit
- 3. Prep for grocery shopping
- 15. FedEx Small Business Grant Contest
- 1099-K
- Dividend payout ratio
- How to use a W-4 to owe nothing on a tax return
- 10. Nationwide
- How do you get a perfect credit score?
- 10. Narrow down your ideal type of house and neighborhood
- Bonzah
- 5. Secure a gas supplier contract
- 13. Travel expenses
- How do I find a currency exchange near me?
- Government recording fees
- 7. CDs
- 4. 2,500-point Free Spirit awards
- To match with a vacation planner: Avoya Travel
- USAA vs. Allstate home insurance
- How to maximize your rewards
- 16. Texas Woman's University Veteran Woman Entrepreneur Grant
- 7. Poshmark
- Where you live
- Part-year resident status rules
- State Farm vs. Allstate home insurance
- 18. Become an e-book writer
- 11. Monetize your social media accounts
- How to maximize your rewards
- Pros
- Home Depot Foundation Veteran Housing Grants Program
- Rental Cover
- Home equity loans and lines of credit
- Where can you exchange currency for free?
- Loan-origination charges
- 9. Draft a partnership agreement.
- 2. Are you seeking investment or looking for business financing?
- Seniors with a speeding ticket
- Cash-out refinance
- 1099-LTC
- Equifax
- Your claims history
- 8. Get advertising revenue from your blog or YouTube channel
- 14. Interest
- State Farm vs. USAA home insurance
- Property-based passive income ideas
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- To stay in the home after closing
- 12. Get paid to stream on Twitch
- 5. Focus on investing for the long-term
- Cons
- 3. Building a budget
- Sure
- 6. Obtain necessary permits and licenses
- Best insurance company for having few customer complaints: American Family
- Mortgage insurance or fees for government-backed loans
- 19. Start ghostwriting
- USAA vs. Geico home insurance
- 4. Minimize restaurant spending
- 17. Venmo Small Business Grant
- Best insurance company for having few customer complaints: American Family
- 1099-MISC
- Your home’s features
- Nonresident status rules
- Compare car insurance rates for drivers with a DUI
- Minneapolis Hyatt hotels
- Her Village Grants
- 15. Bad debt
- 8. Buy a rental property
- Seniors with a DUI
- 20. Become a resume writer
- Personal loan
- 11. Stick to your budget
- The details
- 18. U.S. Chamber of Commerce America's Top Small Business Awards
- 7. Get business insurance
- Your deductible
- Transfer points from Diners Club
- Pest inspection
- State Farm vs. Progressive home insurance
- 3. What's your point of difference in the market?
- To avoid repairs
- Cheapest car insurance for young drivers
- Silicon Valley Community Foundation
- 1099-NEC
- 21. Open a coworking space
- 5. 2,900-point JetBlue TrueBlue flights
- To book a vacation package with an airline or hotel
- 5. Get discounts on entertainment
- 19. Feed the Soul Foundation's Restaurant Business Development Program
- 6. Manage your stock portfolio
- 8. Market yourself
- TransUnion
- Your coverage limits
- Buy wine with Laithwaites
- 9. Become an Instagram influencer
- Prepaid expenses
- 9. Rent out your own house
- 4. Saving money
- Bill & Melinda Gates Foundation
- 1. Has the W-4 form changed?
- Cash advance apps
- Cheapest full coverage car insurance in Texas for 30-year-olds
- Our pick for: Your choice of expenses
- 1099-OID
- Order gourmet gifts from Harry & David
- 16. Taxes
- 22. Become an online coach
- 12. Make the most of walk-throughs and open houses
- 6. Map out major purchases
- 20. EBay Up & Running Grants
- Robert Wood Johnson Foundation
- Other policies
- Tax monitoring and research fees
- 10. Get a roommate
- Our pick for: Bank of America® customers
- 1099-PATR
- 2. What does it mean to be exempt from taxes?
- Get meal kits delivered from Home Chef
- 23. Flip failing websites
- 21. Beyond Open Small Business Grant Program
- Clif Family Foundation
- Your dog
- Best insurance company for financial strength: Auto-Owners
- 10. Monetize your Twitch channel
- Title-related costs
- Alternative investment passive income ideas
- Hurricanes and tropical storms
- Cheapest auto insurance for senior drivers
- Best insurance company for financial strength: Auto-Owners
- 1099-Q
- 17. Employee salaries
- NYC tax rate schedule
- 24. Become a web developer
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- 6. Chase's travel portal
- 7. Restrict online shopping
- 1. Take a driving class
- 13. Don’t skip the home inspections
- 1099-R
- Pros
- Buy now, pay later
- 25. Start a podcast
- 3. When should I review my W-4?
- Use the Southwest Rapid Rewards Shopping site
- 18. Employee benefits programs
- 11. Peer-to-peer lending
- 1099-S
- 26. Be a social media influencer
- 8. Delay purchases with the 30-day rule
- The details
- Amazon Web Services (AWS) Imagine Grant
- Pros
- 11. Sell your photography
- Compare auto insurance rates for drivers with poor credit
- 2. Choose a car that’s cheap to insure
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- 14. Negotiate with the seller
- Veteran Business Outreach Centers
- 4. Can I adjust my W-4 multiple times throughout the year?
- Cons
- Get the Southwest button browser add-on
- 19. Employee gifts
- Real estate agent commissions
- 1099-SA
- 12. Private equity
- 27. Create online courses
- 9. Get creative with gifts
- 9. Familiarize yourself with your day-to-day responsibilities
- Property and transfer taxes
- 3. Protect your car
- Sinkholes
- Cons
- Best insurance company for discounts: Amica
- 20. Contracted labor
- 28. Become a marketing consultant
- 7. Redeem Capital One miles
- 15. Buy adequate home insurance
- Service-Disabled Veteran-Owned Small Business Program
- Best insurance company for discounts: Amica
- Title insurance
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- Our pick for: Earning more automatically
- 10. Lower your car costs
- 21. Legal and professional fees
- 13. Crypto staking
- 4. Get credit for driving less
- 29. Develop an app
- Our pick for: Lyft rides
- Apple Cash: digital card
- Boots to Business
- 5. Maximizing your credit cards
- 12. Become a dog walker with Rover or Wag
- Zendesk Tech for Good Impact Awards
- 11. Reduce your gas usage
- 5. Raise your deductible
- 30. Make a smart appliance
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- Institute for Veterans and Military Families
- Cash App debit card
- 31. Tap into virtual reality experiences
- State Farm Good Neighbor Citizenship Company Grants
- 13. Sell unused gift cards
- Product creation passive income ideas
- 6. Drop coverage you no longer need
- 1. Look at customer satisfaction scores
- 12. Bundle cable and internet
- Veteran Women Igniting the Spirit of Entrepreneurship
- Individual stocks
- 32. Make a niche dating site
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- 2. Consider financial strength
- Best insurance company for customer satisfaction: State Farm
- 14. Write content
- 7. Consider bundling your insurance policies
- 33. Develop a chatbot
- 13. Switch your cell phone plan
- Veteran Institute for Procurement
- Best insurance company for customer satisfaction: State Farm
- 6. Borrowing money
- Google Ad Grants
- 3. Evaluate the policy options
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- Dividend stocks
- 8. Shop around for coverage
- For cruise package deals: Costco Travel
- Office of Small & Disadvantaged Business Utilization
- 35. Be a virtual assistant
- 4. Get prices from a handful of companies
- 14. Reduce your electric bill
- Our pick for: Wholesale shoppers
- The Unless Project
- Cheapest full coverage car insurance in Texas for 40-year-olds
- Our pick for: Military and qualifying family members
- State and local governments
- 15. Publish a digital course
- 36. Reinvent exercising
- 15. Lower your student loan payments
- Best insurance company for military members: USAA
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- Car-related passive income ideas
- Directly with the Cruise Line
- 16. Cancel unnecessary subscriptions
- 38. Open a food truck or restaurant pop-up
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- What is a prepaid debit card?
- The Audacious Project
- 16. Wrap your car with ads
- 39. Start an organization business
- 17. Refinance your mortgage
- What is a prepaid credit card?
- 40. Do interior design for young professionals
- Wells Fargo nonprofit grants
- 16. Trade in old phones, electronics for cash
- 17. Rent out a parking space
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- Where can you get a prepaid card?
- 18. Set savings goals
- Transfer hotel points
- How do you add money to a prepaid card?
- NBCUniversal Local Impact Grants
- Which prepaid card is best?
- Kubota Hometown Proud Grant Program
- Earn Southwest points for stays
- 17. Get a babysitting gig
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- Our pick for: Avid Amtrak users
- Our pick for: Paying rent
- 19. Track spending
- 7. Your credit score
- Big Sea Wavemakers Grant
- Book accommodations in the Southwest Hotels portal
- 1. Gather your information
- 20. Pay off high-interest debt
- 18. Rent out your car
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- 21. Keep savings in a high-yield savings account
- 1. Review your mission
- Book stays via Rocketmiles
- 2. Choose the right liability car insurance coverage levels
- 22. Create a 50/30/20 budget
- 2. Refine your search with keywords
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 19. Sign up for TaskRabbit
- 3. Narrow down based on location
- 23. Shop consignment and thrift stores
- 20. Become a private tutor
- 4. Look for organizations with similar values
- Cheapest full coverage car insurance in Texas for 50-year-olds
- 5. Consider hiring a grant writer
- 3. Decide if you need full coverage car insurance
- 24. Join initiatives to get free items
- 8. Taxes
- 21. Drive for Uber, Lyft
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- 25. Use car sharing services
- 22. Make deliveries for Amazon, Uber Eats
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- 9. Paying off debt
- 26. Stock up on household supplies when they’re cheap
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- 27. Enjoy community events
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Compare car insurance companies
- Cheapest full coverage car insurance in Texas for 60-year-olds
- 10. Insurance
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Cheapest auto insurance in Texas for 60-year-olds with poor credit
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash
- 11. Investing
- Cheapest auto insurance in Texas for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Texas for 70-year-olds
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- 12. Starting or running a business
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- 13. Travel
- Cheapest auto insurance in Texas for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers after a DUI
- The NerdWallet Smart Money podcast
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. 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 for 180 days) 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.
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 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 to hit the minimum 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, Payoneer or credit to a Fiverr Revenue Card (a prepaid card). Minimum withdrawal amounts vary, and your payment processor may charge 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 10% 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 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.