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
- Conventional mortgage
- VA loans
- FHA loans
- USDA loans
- LOOKING TO SAVE ON INTEREST?
- Shopping for Medicare plans? We have you covered.
- Bookkeeping and accounting software
- How do we review brokers?
- Capital One 360 CD rates
- How to maximize your rewards
- Does homeowners insurance cover tree removal?
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Simplifying tax time with accounting software
- Top-rated parent loan lenders
- 1. Start saving early
- What is 100% credit utilization?
- First: Standard airport security and departure formalities
- 1. Decide how much investing help you want
- Program highlights
- 1. Air France
- Know your credit
- 1. Create an inventory
- GA income tax rates: Single filers
- How does Rover work?
- CD rates
- 1. Earn with ads as a YouTube Partner Program member
- Tell your insurer when other drivers are involved
- 1. Google Flights
- Secured loan amounts
- 33.3 million small businesses across the U.S.
- FHA home loans
- 1. Servicers collect, and keep track of, your payments
- Airline reward redemptions: award charts vs. dynamic pricing
- Georgia Rural Business Development Grants
- Merchants’ costs of doing business (and maybe your shopping bill)
- Pros and cons of ETFs
- California Grants Portal
- Domestic travel with an adult
- Pay your credit card bill in full every month
- What mortgage terms are best for me?
- 1. You're more likely to get flight delay compensation on Alaska than any other U.S. airline
- Second: U.S. preclearance formalities
- Chase Freedom Rise℠
- How does my credit score impact personal loan offers?
- Quick facts and who qualifies for a solo 401(k)
- Understanding your results
- 1. Ibotta
- Eligibility
- Key takeaways:
- 1. Decide whether you want to invest in active or passive funds
- Regular and exclusive use
- 1. Pick up freelance work online
- When doesn’t home insurance cover tree removal?
- GA income tax rates: Married filing jointly or head of household
- In the app
- Online
- 1. Accounting and bookkeeping
- Use the right flight booking tools
- Secured loan rates and terms
- 1. Are you exempt from withholding tax?
- 16 million new business applications since 2021
- Less risk of a missed flight
- Bento for Business Visa® Debit Card
- 1. Figure out if you are eligible
- Southern Sustainable Agriculture Research and Education grants
- The real cost of your home
- Size
- Average FICO 8 score by age
- 1. Keep your charges on each card to a minimum
- Passive vs. active management
- 1. Decide how much coverage you need
- Route 66 Extraordinary Women Micro-Grant
- 2. Decide how much home you can afford
- 1. Check your EIN confirmation notice
- Dispute errors with the credit bureaus
- 1. Roll your debts onto a balance transfer credit card
- Annual fee
- How to play Powerball
- CD terms
- Pre-installation evaluation: $250 for a 2,000 square foot home
- Pros of cash-back cards
- Freeze your Equifax credit report online
- 1. Standard brokerage account
- Earning Southwest Rapid Rewards points through Southwest travel partners
- How do I see my credit score for free?
- 1. Food trucks
- Use your results to save money
- Figure out what’s realistic for you
- Understand the budgeting process
- 1. Link the two accounts
- What to know about cash advance apps
- Average cost of car insurance for different driver profiles
- Fixed student loan rates are the safer bet
- Example savings APYs at select institutions
- 2. Alaska Airlines doesn't guarantee cash compensation for delays
- GA income tax rates: Married filing separately
- What are the requirements for Rover?
- Boston University Workers
- On the website
- Tell your insurer when serious car damage or injuries could be lurking
- Axos Basic Business Checking
- Banks
- How you choose to pay
- Step 1: Enter your personal information
- Follow USDA food plans
- Principal place of business
- What is included in Experian Boost?
- Our pick for: Varied medical expenses
- Our pick for: Minimalists
- More income is sheltered
- 2. Business consulting
- Chase Freedom Unlimited®
- Minimum down payments and credit scores
- 17.3 million jobs created
- USDA home loans
- Go Global Georgia grants
- By staying at Hilton properties
- 2. Provide external account information
- Pros
- Cons
- Cheap auto insurance from large companies
- Closing Cost Assistance Grant
- Restaurants Care Resilience Fund grants
- Amica: Best for customer service
- What do lenders want?
- Pricing guides
- 3. Check and polish your credit
- Consolidate debt with a balance transfer credit card
- 2. Check other places your EIN could be recorded
- The Chase Freedom Flex℠ offers rotating 5% bonus categories
- CD safety
- Ductwork and design: $500 to $7,500
- Booking Alaska flights with American miles
- LendingClub Tailored Business Checking
- Fare flexibility/ticket changes
- Our pick for: Rich travel rewards
- Traditional 401(k)
- 1. Know when to start retirement planning
- 1. Pick your market and niche
- SBA loans
- 2. Servicers help you pick the repayment plan that's right for you
- Durability and security
- Average VantageScore 3.0 score by age
- General administration
- Create a budget
- Who gets relief under the Sweet v. Cardona settlement?
- 1. The minimum investment required
- Income taxes for single-member LLCs
- 2. Delta Air Lines
- 2. Calculate your investing budget
- 1. Withdraw your CD funds and transfer them into a different account
- 1. Inspect the check
- How to play Mega Millions
- If you're less than 30 days late
- Waffle House workers in Georgia
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- By phone
- Freeze your Equifax credit report by phone
- 2. Did you receive income that isn't taxable?
- Small businesses contributed to 70% of net job increases
- Concorde Room
- 2. Car wash services
- Pro: No monthly payment or interest
- 2. Decide what type of investor you are
- NAACP and Leslie’s Certification Boost Grant
- Grants.gov
- Discover Bank, 4.25% APY, no minimum opening deposit
- Do you live in a hub city?
- 3. Confirm the new account
- Taking mifepristone and misoprostol
- 2. Ask for higher credit limits
- Pros and cons of stocks
- Verizon Small Business Digital Ready
- Easy access
- Domestic travel as an unaccompanied minor
- Step 2: Account for multiple jobs
- Pros
- 3. Alaska Airlines offers bonus miles or a discount code for lengthy delays
- Hyatt Regency Grand Reserve Puerto Rico
- World of Hyatt
- Side perks
- How much does Rover pay?
- Pro tip: Don’t forget the rules
- Chase Business Complete Banking
- 3. Marketing services
- Baggage and boarding
- Inspection contingency
- Accident and illness
- 2. Rakuten
- Investment goals
- Build an emergency fund
- Step 1. Open the initial CDs
- Advantages of a lady bird deed
- 2. Withdraw your funds and deposit them into a different CD
- Cheapest life insurance companies for preferred applicants
- Accident and illness plan
- Highlights
- If you're more than 30 days late
- Unite Here Local 11
- When there is no need to file a car insurance claim
- Payday loans and interest rates: What to know
- Chase Freedom Flex℠
- Transferring hotel points to Southwest Rapid Rewards
- 2. Write a business plan
- Will pre-qualifying affect my credit score?
- Online lenders
- 20% of new businesses close within a year
- An opportunity to explore a second city
- First class lounges
- 3. When you give servicer instructions, they customize your payments
- Light on fees
- Other student loan calculators
- Start with something
- Varo, 3.00% APY, no minimum opening deposit
- 1. Open an options trading account
- 2. Choose an investing account
- Credit card access and rewards
- Business marketing
- 2. The capital gains taxes you’ll pay
- Use the 50/30/20 rule to budget for groceries
- 4. Explore mortgage options
- Cons
- Landlord associations
- It’s not what you can borrow, it’s what you can afford
- 2. Apply for a credit card consolidation loan
- 2. Test websites and apps
- Step 1: Navigate to the estimate
- EveryDollar
- 2. Account for your family's needs
- Welcome offer
- By email
- 2. Kayak
- 4. Real estate business
- Freeze your Equifax credit report by mail
- 2. Figure out how much money you need to retire
- Debt-to-income ratios
- Traditional bank loans
- Collect and keep track of your payments
- Gusto Impact Award
- Budget for repairs even before you buy
- National Endowment for the Arts
- What is the average credit score overall?
- Cheap car insurance from midsize companies
- Save for retirement
- Income taxes for multi-member LLCs
- 2. Choose your insurance deductible
- San Francisco Women’s Entrepreneurship Fund
- Lower fees, competitive rates
- 3. Let your bank renew your CD
- 3. Call the IRS to locate your EIN
- Step 1: Fund your cleaning business
- Eligibility
- 0% APR CREDIT CARDS: A SAMPLING
- Required payment is cut in half
- Would refinancing save you money?
- How to get paid on Rover
- CD opening deposit
- You’ve maxed out your retirement accounts
- The type of central air unit: $600 to $24,000
- Bank of America Business Advantage Fundamentals
- Dive deep to compare fares
- Cons of cash-back cards
- Basic company information
- 3. Are you exempt from minimum wage and overtime rules?
- What do I need to pre-qualify for a personal loan?
- Business class lounges
- Dash Prepaid Mastercard
- VA home loans
- 3. Auto repair
- Con: You have to pay all at once
- Sign-up bonuses
- Interior storage space
- Bask Bank, 5.10% APY, no minimum opening deposit
- Pros of investing in China stocks
- Where do you want to fly?
- 4. Set up external electronic transfers
- Accident only
- Using a misoprostol-only regimen
- Down Payment Assistance Grant
- 3. American Airlines
- Documents required
- Step 3: Claim dependents, including children
- Online retailers
- 2. Ask yourself why you received the check
- Be strategic about major purchases
- Tenant screening services
- Variable student loan rates are a gamble
- Accident-only plan
- Impression Moxché by Secrets
- Southwest Airlines
- The Chase Freedom Unlimited® offers a solid flat rate on 'everything else'
- Bridge loans are generally used in one of two ways:
- If it's an error
- 401(k)s vs. pension plans
- Annual fee
- Under 35
- Cities with the top five highest annual rent increases:
- What to do if the credit bureau made an error
- Seat selection
- When to get a secured loan
- Index examples
- 2. Retirement accounts
- 1. Get sponsored
- Cobb County Entrepreneurship Grants
- By using various credit cards
- 3. Research Black-owned businesses
- The Credit Card Competition Act
- Specialized services
- Pay off debt
- Founders First Job Creators Quest Grant
- Step 2. Reinvest each CD when it matures
- Disadvantages of a lady bird deed
- Country Financial: Best for using an agent
- If your state offers a 529 tax break and has a good 529 plan
- If your income exceeds the Roth IRA limits
- How much does tree removal cost?
- Credit Karma
- 3. Establish your directives
- Housing authority workers in Marin County
- CD maturity date
- What happens if I can't repay a payday loan?
- 5. Event planning
- Roth 401(k)
- Under about 4 hours
- Online lenders
- Only certain types of transfers are allowed
- Pro: It’s easier to qualify
- 3. Choose how much you want to invest
- Permanent life insurance has tax benefits
- Cons of investing in China stocks
- Do you want to fly in premium cabins?
- Wellness Rewards
- 3. Set up balance alerts to stay on top of spending
- 3. Evaluate other factors
- Get ready to make payments
- 3. Decide where to buy mutual funds
- Step 4: Refine your withholdings
- Credit bureaus
- Best insurance company overall: Travelers
- You have a lifelong dependent, such as a child with a disability
- Should you refinance your student loans?
- Earning rates
- AI for consumers: Foundation, DALL-E, ChatGPT and GPT-4
- Ownership and management team
- When to get an unsecured loan
- $27.5 billion in SBA 7(a) loans were provided to small businesses
- Arrivals lounges
- 4. Servicers process your requests for deferment or forbearance
- Brand-specific rewards
- Help you choose or switch repayment plans
- Mortgage contingency
- Athens Downtown Development Authority grants
- Economic Development Administration
- Can you save too much?
- How age can influence scores
- Best insurance company overall: Travelers
- 3. The cost of owning them
- If you’re going to need financial aid
- 3. Learn to use AI tools
- Step 2: Create an invoice
- Step 2: Choose your market
- Routine care and wellness
- Determine your deductible
- 4. Claim a free meal or overnight accommodation on certain delays
- Royal Caribbean and Celebrity
- Warehouse workers in Sacramento, Calif.
- Travel bonus reward rates
- CD penalty
- Compare referral sign-up bonuses
- 2. Take a cut with affiliate marketing
- What is the difference between a wealth manager and a financial advisor?
- Cities with the top five annual rent price declines or smallest increases:
- 6. Video production
- Cheat sheet for choosing a cash-back card type
- Our pick for: Intro APR + high rewards on everyday spending
- Mortgage insurance
- Whole life insurance offers guaranteed returns
- 3. Swagbucks
- Choosing corporate tax status for your LLC
- Limited customer service
- International travel with an adult
- Step 5: Sign and date your W-4
- 3. Don’t use the money
- Home Advantage Program
- Reasons for unfreezing your credit
- Forgiveness comes sooner
- Goodbudget
- Deductibles
- Bonus categories
- Booking American flights with Alaska miles
- What to do if the debt collector made an error
- Safety concerns, removal and return of Sam Altman
- Company history
- 3. Prioritize your financial goals
- How long will it take to pre-qualify?
- Credit unions
- 50% of SBA microloans went to Black- and Latino-owned businesses
- There is a pro-rata rule for backdoor Roths
- 4. Personal trainers
- Con: You’ll likely pay much more than you get
- Appraisal contingency
- Atlanta Commercial Property Improvement Grant
- How easy is it to earn miles?
- Allow up to 50% of your income for needs
- Mortgage protection insurance vs. term life insurance
- Stock mutual funds = higher potential returns (or losses)
- What factors affect the amount you can borrow
- If your income reduces your Roth IRA contribution
- Example interest checking APYs at select institutions
- Our pick for: Paying down medical debt
- 4. Review your beneficiaries
- How does Wag work?
- CDs at a bank vs. credit union
- Mission Lane Cash Back Visa® Credit Card
- Size of the AC system
- Pros
- Ages 35 to 44
- 7. Podcasting
- Flat-rate credit cards
- Upgradeability
- Rewards on everyday spending
- 4. Select a provider to open your Roth IRA
- Grant databases
- Cash value policies can make it easier to get a loan
- Wheels and maneuverability
- 1. Pick your niche or services offered
- Cheap car insurance after a speeding ticket
- 4. Pay your bill before your issuer reports to the credit bureaus
- 1. Cash dividends
- Granting Freedom
- Our pick for: No credit check at all
- Grants.gov
- The pros
- 5. Research first-time home buyer assistance programs
- Use a debt repayment method
- 1. Make sure your Medicaid program has your contact information
- Does home insurance cover damage caused by your neighbor’s tree?
- 5. Only certain Alaska flight delays are eligible for compensation
- Grand Hyatt Baha Mar
- Resident status rules
- You want to help your family pay estate taxes
- The Chase trifecta
- Mission statement
- FHA rate and term refinance
- Customize your loan payments
- Find your servicer and set up payments
- Service requirements
- If you’re above the Roth IRA limits
- The actual expense method
- Step 3: Select an amount to invoice
- Ask about additional insurance
- Tips for unfreezing your credit
- Bridge loan pros and cons
- The lottery annuity option
- Types of CDs
- Installation and labor: $75 to $250 per hour
- Choosing a card
- 3. Expedia
- 10.5 million-plus PPP loan recipients submitted forgiveness applications
- Emburse Prepaid Card
- 5. Servicers are your first point of contact if you're interested in loan forgiveness
- Home sale contingency
- There’s flexibility with repayments
- Dun & Bradstreet business credit scores
- 2. Stock dividends
- 1. Find a dividend-paying stock
- America’s Seed Fund
- Prepare and complete
- Fewer account services
- 4. JetBlue Airways
- Erie: Best in the Mid-Atlantic and Midwest
- Equity REITs
- 2. Respond immediately to requests from Medicaid
- Step 3: Find a specialty — and stick to it
- Our pick for: Going out on the town
- Part-year resident status rules
- 8. IT consulting
- 4. Choose the best retirement plan for you
- 3. Register your business and get insured
- More than about 4 hours
- FHA streamline refinance
- Solid point values
- Grants.gov
- Where to stash home-repair money
- How easy is it to redeem miles for flights?
- 4. Consider extra coverage
- Credit score for VA refinance
- If you want to stash a lot of money away every year
- How can I qualify to borrow more?
- 3. Tap your home equity for a loan or line of credit
- Does homeowners insurance cover tree damage to your neighbor’s property?
- Price
- 5. Note your state's estate tax laws
- Privacy
- Restaurant rewards
- 1. Find a dividend-paying stock
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- The ability to product change
- Product/service and customer
- Should you invest in retail stocks in 2023?
- 5. Newborn and post-pregnancy services
- Process your requests for deferment or forbearance
- Leave 30% of your income for wants
- FICO score ranges
- 2. Write a business plan
- 4. Fiverr
- Costs
- 3. Dividend reinvestment programs (DRIPs)
- WomensNet Grants
- The cons
- International travel as an unaccompanied minor
- Bond mutual funds = lower returns (but lower risk)
- Mortgage REITs
- Revocable life insurance trusts
- 3. If you haven’t heard from Medicaid, contact the program to find out the status of your coverage renewal
- Home Advantage Downpayment Assistance
- Unpaid interest is cancelled
- Nonresident status rules
- What are the requirements for Wag?
- You want to diversify your investment portfolio
- 3. Land a brand deal and make sponsored content
- Ages 45 to 54
- 9. Catering
- Mastercard World Elite benefits
- Can you transfer Southwest points to airline partners?
- Other Ally Bank reviews
- $7.3 billion in bonded contracts were awarded to small businesses
- FHA cash-out refinance
- Other contingencies
- America's Seed Fund
- Walmart Foundation
- 2. Pick which options to buy or sell
- 5. Monitor your total credit utilization
- Unproven history
- 4. Understand mutual fund fees
- 6. Compare mortgage rates and fees
- 4. Alert authorities to fraud
- Make multiple credit card payments per month
- 4. Take surveys for money
- Step 4: Plan the business budget
- Alila Ventana Big Sur
- The cash option
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 3. Investment accounts for kids
- Mortgage rates
- Whole life insurance is expensive
- Equifax business credit scores
- VantageScore ranges
- Cheap auto insurance after an accident
- 4. Special dividends
- Virginia Housing Conventional
- 1. Diversification
- 2. Evaluate the stock
- 5. Get a quote
- National Association for the Self-Employed (NASE) grant
- The simplified version
- 4. Understand time frames for renewing your coverage
- Earned income restriction
- Best insurance company for affordability: NJM
- Cheapest life insurance companies for smokers in fair health
- What if a tree lands on your car?
- Your money management style
- When to use a bridge loan
- 6. Weigh the value of professional help
- AvantCard Credit Card
- Cons
- Payday loans and the Military Lending Act
- Sample letter requesting a goodwill deletion
- 10. Social media management
- Future goals
- 2. Promote your business
- USDA streamlined assist refinance
- Digital emphasis
- Program for Investors in Microentrepreneurs
- Oneworld alliance elite status
- Best insurance company for affordability: NJM
- Ask about income-driven repayment plans
- 5. La Compagnie
- Money market mutual funds = lowest returns, lowest risk
- Debt-to-income requirements
- Green, Gold and Platinum pay over time cards
- Hybrid REITs
- General Electric
- 6. Know all of your options during a flight delay
- How much does Wag pay?
- Houston teachers strike
- Redemption value
- 4. Capital One Travel
- Ages 55 to 64
- 2. Evaluate the stock
- Our pick for: Everyday spending
- 1. Have a goal for your index funds
- 22% of businesses are owned by women
- 6. Enrichment activities for children
- 5. Gather your paperwork
- Help you certify for loan forgiveness
- It’s a home, not an investment
- Size
- Are there fees to check bags?
- 3. Register and name your business
- 5. Preferred dividends
- 2. Low cost
- Our pick for: Beginner-friendly features
- Program for Investors in Microentrepreneurs
- Irrevocable life insurance trusts (ILITs)
- 5. Seek outside help if Medicaid’s service is unsatisfactory
- What's next?
- Bonus features
- Overnight layovers
- VA Interest Rate Reduction Refinance Loan
- National Association for the Self-Employed Growth Grants
- Bank of America Charitable Foundation
- Commit 20% of your income to savings and debt paydown
- 3. Decide how much stock you want to buy
- USAA: Best for military and veterans
- The buyer’s motto: Be prepared
- Tap into savings to pay down debt
- How to protect your home from tree damage
- 7. Plan to reassess
- Nurses strike in Santa Clara
- 1. Examine your cooling needs
- 4. Sell some merch
- 11. Business planning service
- Fare flexibility/ticket changes
- 4. Choose your bookkeeping software
- What do I need for my loan application?
- 21% of businesses are minority-owned
- PEX Prepaid Visa
- Experian business credit scores
- 3. Invest in companies that financially support racial justice
- 6. Dividend funds
- 3. Strong long-term returns
- Pay the fee or get a fee waiver
- If your student loans are in default
- Other VA refinance requirements
- 7. Gather your loan paperwork
- Publicly-traded REITs
- 6. If your disenrollment is legitimate, seek other health insurance
- Excess Roth IRA contributions
- Home Advantage Downpayment Assistance — Needs Based Program
- Miraval Arizona
- Account linking
- The premiums are expensive
- Ages 65 to 74
- Understand basic economy vs. regular economy
- 3. Decide how much stock you want to buy
- 2. Research index funds
- Honorable mention: Wellcare
- Loan limits
- VA cash-out refinance
- WomensNet Grants
- Cash value takes a long time to build
- Credit life insurance vs. term life insurance
- Ways to build credit
- 5. Upwork
- FedEx Small Business Grant Contest
- Mini CD ladder
- 4. Borrow from your 401(k)
- 5. Make money from your blog with affiliate links
- Step 4: Customize the invoice
- Example CD APYs at select institutions
- Our pick for: Flexibility
- Predictability
- Warehouse workers in Sacramento, Calif.
- 2. Time it right
- 12. Tax consulting
- Bonus-category credit cards
- Baggage and boarding
- 21.7% of business owners are immigrants
- 7. Mobile apps and entertainment for children
- Durability and security
- 4. Invest in the tools of the trade
- Virginia Housing Conventional No Mortgage Insurance
- Government bonds
- Resident status rules
- AmEx EveryDay Cards
- Consider a personal loan
- How to get paid on Wag
- Start with the elevator pitch
- Communicate with your lender
- General partners
- 5. Select your retirement investments
- 5. Set up your business infrastructure
- 6. Pick your investments
- How long do things last?
- W.K. Kellogg Foundation
- Overfunding a policy can be costly
- Cheapest car insurance after a DUI
- Uneven splits
- What’s next?
- 1. Air France
- Average annual car insurance costs from large companies
- Public non-traded REITs
- Citigroup
- Estimate potential student loan refinance savings
- Security
- MASS MoCa UAW members
- Travel credits
- 3. Look for equipment rebates and tax credits
- 5. Offer memberships
- Military Entrepreneur Challenge
- 3. Predict the option strike price
- Most popular
- Submit every year
- 5. Manage your mutual fund portfolio
- 8. Get a preapproval letter
- The cash value is slow to grow
- Grow Credit Mastercard
- Seat selection
- Request a new payment date
- Property standards
- Small businesses in the leisure and hospitality industry experienced a 9.6% loss in establishments
- FHA home improvement loans
- 8. Shared accessories and attire
- Carnegie Corporation
- Infinite banking is complicated
- Interior storage space
- Dividend per share (DPS)
- Our pick for: Fixed monthly payments
- Blue Cash Cards
- Park Hyatt Sydney
- 13. PR agency
- Find your niche
- Stick to the basics
- 3. Pick your index funds
- 3. Sell your castoffs
- Upgrade your booking class
- Other general-purpose travel card reviews
- Identify grants that are suited to your business
- How to have more taxes taken out of your paycheck
- 6. Sell your wares on Etsy
- Opportunity DPA
- Customer support
- UAW in Kentucky negotiate deal with Ford
- Earning rates
- Seek credit counseling
- Rapid Rewards Shopping
- Retail business applications increased by 87%
- Check out peer-to-peer lending
- Dividend yield
- Appendix: How the math works in our examples
- Part-year resident status rules
- Private REITs
- Best insurance company for accident forgiveness: Geico
- Step 5: Register the business
- Example money market account APYs at select institutions
- Pharmacy choice
- The cash value rate of return can be low
- Home equity loan
- 5. Kiwi
- Our pick for: Flat-rate travel rewards
- Describe your products and services clearly
- U.S. Bank business prepaid cards
- VA supplemental loans
- Best insurance company for accident forgiveness: Geico
- 6. OfferUp
- Virginia Housing Plus Second Mortgage
- Our pick for: Apple enthusiasts
- Can you pay estimated taxes at any time?
- Bus drivers and mechanics stage two-day strike in Virginia
- 14. Professional organizing
- Upgradeability
- Be passionate
- Ask for help
- Ford Foundation
- 4. Determine the option time frame
- More resources for athletes:
- Confirm grant details
- 2. Delta
- American Family
- How to have less taxes taken out of your paycheck
- 9. Choose a real estate agent carefully
- 5. Enter a debt management plan
- User experience
- You can’t control your portfolio
- Offer great customer service
- 4. Education accounts
- Transportation and warehousing business applications grew by 100.7%
- 4. Earn badges through Live videos
- FHA and VA energy-efficient loans
- Georgia Small Business Development Centers
- Wheels and maneuverability
- Cheapest auto insurance for poor credit
- Delta SkyMiles Cards
- Casino workers in Las Vegas reach deal ahead of the Super Bowl
- 15. Photography
- 4. Decide where to buy your index funds
- Rapid Rewards Dining
- 9. Shared home improvement equipment
- Recent servicer portfolio transfers
- Best for occasional travelers: Hilton Gold elite status
- 5. Choose how to price your services
- Corporate bonds
- Nonresident status rules
- 7. Self-publish an e-book
- Vanguard 500 Index Fund (VFIAX)
- Hyatt Place Knoxville
- Reviews
- What happens if I forget to pay my quarterly taxes?
- Home equity line of credit
- Be reactive and flexible
- Keep it succinct
- Where is the best place to exchange currency?
- Grow Georgia
- Coca‑Cola Foundation
- Explore startups
- Dividend payout ratio
- Our pick for: An upgrade path
- Prepare and submit applications
- How to use a W-4 to owe nothing on a tax return
- How much is auto insurance after an at-fault accident?
- 10. Narrow down your ideal type of house and neighborhood
- HomeChoice Downpayment Assistance Loan Program
- Our pick for: Drugstores
- SAVE benefits available by October 2023
- Teachers Strike Breaks Records in Boston Suburb
- There can be tax implications if you withdraw cash from your policy
- Chime Secured Credit Builder Visa® Credit Card
- Refinancing
- 23% of business owners cite inflation as their single most important problem
- Rural housing repair loans and grants
- Hilton Honors Cards
- Vanguard Total Stock Market Index Fund (VTSAX)
- Airport lounge access
- 16. Event space
- 6. Price your services
- How do I find a currency exchange near me?
- Georgia Hispanic Chamber of Commerce
- Price
- Rethink your bank
- American Airlines credit cards
- Delta Airlines credit cards
- JetBlue credit cards
- Southwest Airlines credit cards
- United Airlines credit cards
- Other airlines' credit cards
- 7. Poshmark
- FHA
- SAVE benefit starting in February 2024
- How can I make paying quarterly taxes easier?
- Have structure
- 40% of small-business owners note trouble filling jobs
- 5. Build a community
- Best for families and more frequent travelers: Hilton Diamond elite status
- 6. Create a contract
- Consider backup funding options
- 3. United Airlines
- Vanguard Total Bond Market Index Fund (VBTLX)
- Cash-out refinance
- 17. Interior decorating
- Book with points and miles if it’s a good deal
- 5. Buy index funds
- 5. ABLE Accounts
- Where can you exchange currency for free?
- Home loans for Native American veterans
- 10. Vacation rentals
- Access to Capital for Entrepreneurs
- Home Depot Foundation Veteran Housing Grants Program
- An example of buying a call
- Auto Club Group
- Flooding
- 8. Get advertising revenue from your blog or YouTube channel
- Step 5: Repeat until the estimate is closed
- SAVE benefits available by July 2024
- SEIU United Healthcare Workers West — Prime Healthcare
- 6. BookWithMatrix
- Marriott Bonvoy Cards
- Best insurance company for having few customer complaints: American Family
- Vanguard Balanced Index Fund (VBIAX)
- Hotel status
- 18. Woodworking or furniture building
- Our pick for: Customizable bonus categories
- 7. Find your customers
- 73% of business owners feel the impact of supply chain issues
- Section 184 Indian home loan
- Metro Atlanta Chamber
- Get excited about a minority-owned stock exchange
- Best insurance company for having few customer complaints: American Family
- Step 6: Find and maintain clients
- Veterans Downpayment Assistance Loan Program
- Write it later
- Cryptocurrency pros
- 11. Electronics repair
- Tornadoes
- An example of buying a put
- Our pick for: No security deposit, low annual fee
- 11. Stick to your budget
- Vanguard Growth Index Fund (VIGAX)
- Personal loan
- 6. Keep an eye on your index funds
- 65% of small-business owners expect revenue to increase
- Startup Atlanta
- Her Village Grants
- Best Western credit cards
- Hilton credit cards
- Hyatt credit cards
- IHG credit cards
- Marriott credit cards
- Wyndham credit cards
- Other hotel credit cards
- USDA (Rural Housing Service)
- California earned income tax credit (CalEITC)
- The 10 largest lottery jackpots
- Transfer partners
- 19. Graphic design
- Home and property disaster loans
- Thunderstorms and hail
- Pros
- Cheapest car insurance for young drivers
- 4. Air Tahiti Nui
- Thunderstorms
- Vanguard Small Cap Index Fund (VSMAX)
- Get a test reader
- Conventional loans
- 55% of business owners expect all accepted payment methods to eventually become digital
- Cryptocurrency cons
- SCORE
- Silicon Valley Community Foundation
- California young child tax credit (YCTC)
- 9. Become an Instagram influencer
- Association of Professional Flight Attendants
- Varo Believe Secured Credit Card
- 20. Clothing boutique
- 8. Understand your funding options
- FHA loans for disaster victims
- Winter storms and freezing temperatures
- Auto-Owners
- 1. Has the W-4 form changed?
- Average car insurance costs after a speeding ticket
- Vanguard Total International Stock Index Fund (VTIAX)
- Our pick for: Walgreens
- Proofread
- 21.6% of small businesses cite a large negative effect on business due to the pandemic
- Bill & Melinda Gates Foundation
- California child and dependent care tax credit
- 12. Make the most of walk-throughs and open houses
- Our pick for: Everyday spenders
- 21. Bed and breakfast
- FHA loans
- 12. Academics courses
- Flooding
- Set aside time for grant activities
- Winter storms
- Card ecosystem
- Cash-value considerations
- Robert Wood Johnson Foundation
- How to maximize your rewards
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- 2. What does it mean to be exempt from taxes?
- California adoption cost tax credit
- 22. Food truck
- Be selective in your applications
- Landslides and mudflows
- 10. Monetize your Twitch channel
- Best insurance company for financial strength: Auto-Owners
- Step 7: Invest in advertising and expanding
- Our pick for: Bank of America® customers
- Clif Family Foundation
- Best insurance company for financial strength: Auto-Owners
- Cheapest auto insurance for senior drivers
- California nonrefundable renters tax credit
- Pets Best vs. Trupanion
- 96% of small-business owners have business bank accounts
- 13. Language courses
- Confirm eligibility requirements
- Cons
- Average car insurance costs after a DUI
- 13. Don’t skip the home inspections
- Wildfires
- 23. Restaurant or cafe
- Business credit cards vs. prepaid debit cards: How to choose
- Farmers
- Be realistic about winning
- 3. When should I review my W-4?
- 24. Craft brewery
- 60% reported no impact from recent bank failures
- Screen Actors Guild - American Federation of Television and Radio Artists (SAG-AFTRA)
- Our pick for: Average credit and rewards
- 14. Negotiate with the seller
- 11. Sell your photography
- Pros
- Credit required
- 14. Business or marketing courses
- Amazon Web Services (AWS) Imagine Grant
- 4. Can I adjust my W-4 multiple times throughout the year?
- Pets Best vs. Healthy Paws
- 25. Ice cream shop
- United Auto Workers (UAW)
- 26. Personal chef
- Our pick for: Paying rent
- Over half of small businesses have $50,000 or more in their business banking accounts
- The Hanover
- 15. Buy adequate home insurance
- Best insurance company for discounts: Amica
- Cons
- Overseas acceptance
- Complexity
- 15. Personal wellness
- Best insurance company for discounts: Amica
- 27. Landscape services
- Pets Best vs. Lemonade
- Our pick for: Rewards maximizers
- Our pick for: Average credit and no annual fee
- Apple Cash: digital card
- 28. Pet grooming
- 12. Become a dog walker with Rover or Wag
- United Auto Workers (UAW) — Mack Trucks
- Look up the insurer’s financial strength
- 29. Florist
- Other considerations
- 16. Courses in hobbies or interests
- Zendesk Tech for Good Impact Awards
- Average annual car insurance costs for drivers with good vs. poor credit
- Robert Wood Johnson University Hospital
- Nationwide
- Cash App debit card
- Coalition of Kaiser Permanente Unions
- 30. Massage therapist
- Research the insurer’s reputation for customer service
- 13. Sell unused gift cards
- 17. Bookkeeping and accounting
- State Farm Good Neighbor Citizenship Company Grants
- Our pick for: Limited credit
- Individual stocks
- Writers Guild of America (WGA)
- Best insurance company for customer satisfaction: State Farm
- 31. Nutritionist
- Best insurance company for customer satisfaction: State Farm
- 18. Consulting
- Google Ad Grants
- State Farm
- 14. List your spare bedroom on Airbnb
- 32. Personal trainer or fitness instructor
- Dividend stocks
- Flat rate
- Our pick for: Good credit
- How much is auto insurance for young drivers?
- 33. Beauty services
- Our pick for: Foodies
- The Unless Project
- 34. Life coach
- 19. IT support
- How to maximize your rewards
- Travelers
- Best insurance company for military members: USAA
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- What is a prepaid debit card?
- 35. Tutor
- 20. Graphic design
- Our pick for: Travel
- Bonus categories
- The Audacious Project
- 36. Daycare provider
- Average annual car insurance costs for young drivers by company
- What is a prepaid credit card?
- Where can you get a prepaid card?
- 16. Trade in old phones, electronics for cash
- 37. Senior care provider
- 21. Social media management
- Wells Fargo nonprofit grants
- How to compare renters insurance
- How do you add money to a prepaid card?
- 38. Interpreter or translator
- Our pick for: Instant gratification
- NBCUniversal Local Impact Grants
- Which prepaid card is best?
- 39. Housecleaning
- 17. Get a babysitting gig
- Our pick for: Frequent travelers
- 22. Marketing copywriter
- Kubota Hometown Proud Grant Program
- 40. Automotive repair
- High-rate tandems
- 23. Virtual assistant services
- Big Sea Wavemakers Grant
- 41. Handyman services
- 18. Rent out your car
- Our pick for: Personalized rewards
- You have a roommate
- 42. Dry cleaners
- 1. Review your mission
- 43. Hardware store
- You’re on a tight budget
- 1. Do your research
- 2. Refine your search with keywords
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- 2. Get organized and make it official
- You would want new items if your belongings were destroyed
- 45. Freelance copywriting and content creation
- 3. Narrow down based on location
- 46. Rideshare driver
- You own expensive jewelry or electronics
- 20. Become a private tutor
- Our pick for: Luxury travelers
- 3. Find the right financing
- 47. Website development and design
- 4. Look for organizations with similar values
- 48. Sell clothes online
- You have a dog
- 5. Consider hiring a grant writer
- 21. Drive for Uber, Lyft
- 49. SEO consultant
- Trip cancellation
- 50. App development
- Trip interruption
- 22. Make deliveries for Amazon, Uber Eats
- Trip delay
- Cancel For Any Reason
- 23. Find work as a housesitter
- Baggage delay
- 24. Sign up to be a mystery shopper
- Lost baggage
- Travel medical insurance
- 25. Put your drone to work
- Conditions common to your dog’s breed
- Your dog’s energy and activities
- Wellness expenses
- Decide whether your cat needs insurance
- Wellness expenses
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- 3. Decide how much coverage you want
- 4. Understand reimbursements and deductibles
- 5. Check waiting periods
- 6. Examine extra costs
- 7. 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. 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.