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20 Simple And Creative Ways to Earn Money

20 Simple And Creative Ways to Earn Money

We could all use some extra cash. Whether it’s to pay off your debts faster, save up for a vacation, or buy yourself that new gadget you’ve been wanting, it’s always helpful to have that little extra in your pocket. Luckily, there are a myriad of ways to make yourself a nice little side income, and you can do these whether you have a full time job or you’re looking to work from home. Try these tips out and start earning now:

1. Sell your old clothes

You’ve probably got old clothes sitting in your closet that you’ve forgotten all about. Clear them out and sell them online on sites like eBay or ThredUP. With ThredUP, you can get paid almost instantly if you’re selling less than $60 worth of clothes. Clear out the clutter and make some money along the way. It’s a win-win.

2. Tutor children

This tip works especially well for students, as they can tutor in the subjects they’re studying themselves. Teach the subject you enjoy and set your own hours. Sign up with a website such as Tutor.com and make around $9 per hour to start with.

3. Become a mystery shopper

Love shopping? Become a mystery shopper and get paid to go shopping. Sign up with a site like Marketforce and pick out assignments to do. Go undercover in stores and restaurants. Then, fill in the form after your visit and collect your money. The profit you make isn’t large, maybe a couple of dollars on a typical job, but it’s a great way to get your meals out and other luxuries paid for.

4. Scan your receipts for cash

You have to buy your essentials regularly, so why not earn some extra money for doing so? The Ibotta app offers rebates on certain products, from milk and eggs to luxury products like Birchbox subscriptions. If you’ve purchased something included in the app, use your phone to scan your receipt and get a rebate. The rebates vary in price, from 25 cents for a can of Reddi-wip to $2 for a bottle of sunscreen, but they can quickly add up.

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5. Recycle your phone

If you’re about to upgrade your phone, don’t let the old one sit around doing nothing. Try a site like The Whiz Cells, which will find the best price and buyer for your phone. The money you make depends on the model and condition of your handset. For example, an iPhone 4S in good condition can go for around $60.

6. Drive people around

If you have your own car and want to work flexible hours, working as a driver for Lyft could be for you. Lyft is an app that lets people request drivers near them. It promises to be quicker than hailing a traditional cab. As a driver, you can make around $35 an hour with them.

7. Rent out your house

Do you have a spare room you never use, or are you often away from home? Why not rent out your space to travellers for cash? Airbnb will let you list your place for free, and you can set your own availability and pricing. What you can make varies, but this blogger made $2,276 a month renting her place out.

8. Do surveys online

Many companies are looking for people’s opinions to improve their products and advertising, and they will pay you for your feedback. Sign up with a site like Swagbucks or MySurvey and fill out surveys in exchange for points, which you can cash in for Paypal payments or coupons for your favorite stores. What you earn depends on how many surveys you complete, but the smallest payout on MySurvey is $10, which you can earn rather quickly.

9. Get paid to tweet

If you have a large Twitter following, companies may want to pay you to promote their products by Tweeting about them. Companies such as Sponsored Tweets will pay around 50 cents to $20 per Tweet, depending on your audience and the age of your account.

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10. Rent out your driveway

If you have a parking space that you aren’t using and you live in a busy area, you may be able to rent it out to others. It’s free to advertise your spot on sites like Just Park, and you can make up to $150 a month.

11. Sell your photos

Are you a keen photographer? Businesses are always looking for stock photography, so why not sell your snaps? There are plenty of sites that will sell them for you, such as Shutterstock or Getty Images. Starting out, you can make roughly $50 a month, which can go up if your photos are in demand.

12. Participate in medical studies

If you have a flexible schedule and are fairly healthy, this may be for you. Payments can vary depending on what study you take part in, but some people can make a decent living by becoming human guinea pigs. Try sites like the NIH Clinical Center to find studies you may be eligible for.

13. Search the web

Why not get paid for something you do anyway? Qmee puts an ad on onto your browser and rewards you for using your favorite search engine. When you click on a sponsored link, you’ll be rewarded. There’s no minimum payout, so you can claim your rewards quickly. One tester made $1 on their first search, which they could claim straight away.

14. Review websites and apps

Many companies are looking for people to test their websites for usability. User Testing lets you sign up to test and answer questions about these sites, earning $10-$15 for about 20 minutes of work.

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15. Start a blog

If you have a special interest and can write entertaining and interesting prose, you can be a blogger. Pick your subject, start writing, and start building an audience. Bloggers have said that they can earn between $1,000 and $10,000 a month when they become established.

16. Sell your notes

If you’re a diligent student, make some cash from those who aren’t. NoteSale lets you upload your notes and sell them to your less-dedicated classmates. You can make roughly $3 per set of notes, but you can make more if they’re typed up, rather than handwritten.

17. Do odd jobs

Lots of people have odd jobs around the house that they’d rather not do, and that’s where you come in. For traditional jobs such as lawn mowing or painting, try sites like Craigslist. If you can offer a more unusual service, such as designing a logo or even pretending to be someone’s girlfriend on Facebook, try Fiverr, which lets you sell any job for $5.

18. Be an affiliate marketer

Do you have a lot of sales know-how but no product to sell? You could do well as an affiliate marketer. Promote other people’s brands and products, and when they sell, you get a cut of the price. If you do well, you can earn around $100 a day. Try out Amazon or Clickbank to get started.

19. Try new products

Some companies will offer users money to try out new products and services. If you sign up to a site like CashCrate, you can get these products sent to you. Once you’ve tried them, you’ll be paid. Most users average between $25-50 a month.

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20. Write articles

Much like blogging, if you’re good at turning out entertaining and informative articles, you can make money from it. Try sites like Article Sale and Ghost Blogger to get started. Payment depends on length and quality of articles, but on average you can expect around $25 per article.

For most people these days, it’s getting increasingly harder to feel content working at a 9-to-5 desk job, let alone survive on a single stream of income. Dissatisfaction with jobs not only leads to burn out, high stress levels, and loss of health – it also explains why billions of dollars are wasted on loss of work productivity.

Thanks to the internet, there are hundreds of ways to offer your services and reach those willing to pay you. Make the most of your spare time and make some money on the side — whether it’s to supplement your income or put away for a rainy day.

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Anum Yoon

Writer & Journalist

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Last Updated on March 4, 2019

How to Use Credit Cards While Staying Out of Debt

How to Use Credit Cards While Staying Out of Debt

Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently in trouble with your credit cards, there are wise ways to use them.

I happen to really love my credit cards so I will share with you my approach to how I use mine without getting into deep financial trouble.

Ever since about 1983 when I got my first Visa card, I continue to charge as many of my purchases as possible on credit. Everything from gas, groceries and monthly payments for services like my cable and home security monitoring are charged on credit. Despite my heavy usage, I have maintained the joy of never paying any interest fees at all on any of my credit cards.

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Here are some tips on how best to use your credit cards without falling into the trap of paying those nasty double-digit interest fees.

Do Not Treat Credit Cards as Your Funding Sources

Too many people treat their credit cards as funding sources for major purchases. Do not do this if you want to stay out of trouble. I use my credit cards as convenient financial instruments so I do not have to carry around much cash. In fact, I hate carrying cash, especially coins. When you buy things on credit, the purchases are clean and you will not get annoying coins back as change.

I do not rely on my Visa, MasterCard or American Express to fund any of my purchases, large or small. This brings me to my golden rule when it comes to whether I will pull out any of my credit cards either at a retail or online store.

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I never purchase anything with my credit cards if I do not have the actual cash on hand in my bank account.

If I really cannot pay for the item or service with cash that I already have at the bank, then I simply will not make the purchase. Remember, my credit cards are not used as funding sources. They are just convenient alternatives to actual cash in my pocket.

Make Sure to Always Pay Off Balances in Full Each Month

The next very important part of my overall strategy is to make absolutely sure that I pay the balances in full each and every month no matter how large they are. This should never be a problem if the cash has been budgeted for my purchases and secured in the bank. I have always paid my full balances each month ever since my very first credit card and this is why I never pay interest charges.

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Using Credit Cards with Rewards

Most of my credit cards are of the “no annual fees” type, including one MasterCard on a separate account I keep at home as a spare in case I lose my wallet or incur any fraudulent charges. However, I do use a main Visa card which does have an annual fee because all purchases on that card reward me with airline frequent flyer points. For me, the annual fee is worth it since I do travel and I get enough points to redeem many free flights.

You have to decide for yourself if you will charge enough purchases on credit each year without paying interest charges to warrant a credit card that rewards you with airline points (or other rewards). In my case, the answer is “yes” but that might not be the case for you.

I occasionally use a MasterCard or American Express card on small purchases just to keep those accounts active. Also, I have been to the odd retailer that accepted only a certain type of credit card, so I find that having one from each major company is quite handy. Aside from my main Visa card which earns the airline points, the rest of my cards are of the “no annual fees” variety.

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So this is how I use my credit cards without getting into any financial trouble with them. This strategy is recommended only if you are not in debt, of course. In fact, it is worth keeping in mind once you’re out of debt so that you can keep your credit cards active and treat them responsibly.

What are your credit card usage strategies? Let me know in the comments — I’d love to hear what methods you use.

Featured photo credit: Artem Bali via unsplash.com

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