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30 Websites That Will Pay You For Things You Already Do

30 Websites That Will Pay You For Things You Already Do

You may not be interested in investing 40 hours a week into getting rich online, but you can still make money online in this digital age. You don’t have to work a full-time job online to benefit from all of the possible income sources out there. In fact, this is a list of websites that will actually pay you to do things you’re already doing, like shopping and surfing the web. If you’re already doing it, why not get paid for it?

1. Swagbucks

From watching videos to taking online surveys to playing games, Swagbucks offers many different ways to have fun and put cash in your pocket at the same time. Overall, you can regularly earn $25-$100 per month on Swagbucks just for doing the things you are already doing online. Swagbucks comes first on this list because I have personally made more money with them than the rest, and they seem to have the most options. They also offer cashback shopping in the form of SB points that you can redeem for Free gift cards to places like Amazon, Walmart, and Paypal.

2. BestMark

BestMark is a mystery shopping job. I’ve had much success with them, and they pay quite a bit, depending on your location. You’ll get paid to shop at different places and review the experience. A lot of it will be things like general car maintenance that you’ll already be doing. Not only will they pay you to do it, they will reimburse the cost of the service!

3. User Testing

This website is a lot of fun. After you sign up and complete the test video, you will start to receive email notifications when new website tests are available. They will give you a few tasks to accomplish on a website, while you record your screen and voice the whole time. You get paid for each website you evaluate. It usually takes about 15-20 minutes, and the pay is generally $10-$15 per website.

4. Perk

Perk is growing rapidly and constantly adding new ways to make money. You can download one of their many apps, including their popular Perk TV. Now they even have an app that actually pays you to watch TV in your home.

5. TopCashBack

This website is unique in that it gives you 100% commission when you shop through them. They don’t take a cut. They’re able to do this by allowing businesses to be featured on their homepage. In other words, they are paid by the advertisers, which works out in your favor!

6. Zoombucks

Another website that pays you to watch videos, but they also pay for contests, completing offers, playing games, and much more. Zoombucks will keep you busy earning money.

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7. FushionCash

FushionCash pays you to watch videos, among other things. They’ll even pay you to listen to the radio through a third-party service called RadioLoyalty.

8. CashCrate

Watching videos, shopping, playing games, winning contests, trying products—these are just some of the ways CashCrate pays. That would explain why they are so popular.

9. InboxDollars

Get paid to watch videos, play games, and shop, among other things. I’ve used InboxDollars for a few years now, and while it won’t make you rich, it will provide you with some extra cash.

10. MyGiftCardsPlus

This website offers competitive cashback rates for gift cards to different stores, and they are powered by Swagbucks, which means they are another way to earn SB points while getting cashback.

11. SendEarnings

SendEarnings will pay you to watch videos, play games and even shop at different stores to buy the things you’re already buying. That’s just the beginning when it comes to what they will pay you for.

12. Fat Wallet

Yet another great cashback website to use for comparison when shopping. Browse around to see who offers the most cashback for what you’re buying and earn that money.

13. MyPoints

MyPoints will pay you for watching videos and playing games, like many of the other websites here, but their main thing is cashback on popular websites like Amazon and Groupon.

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14. Memo Link

Memo Link also pays for various things, but first and foremost, they are a cashback website. You can shop at all kinds of online retailers though them.

15. Extrabux

Up to 30% cashback at over 2,000 different stores! You will definitely be able to find a retailer to shop with and get cashback through Extrabux.

16. Shop At Home

This is a cashback website that seems to focus on popular brick and mortar stores like Walmart, Target, Sears, and Macy’s. However, they do offer cashback at more stores and websites, so they’re good for comparing with other websites.

17. MainStreetSHARES

Formerly BigCrumbs, MainStreetSHARES is cashback shopping with an investing twist. You receive cashback by shopping at online stores, but you also have the ability to earn virtual shares (similar to stock shares) as part of their profit sharing program. This is truly unique.

18. Mr. Rebates

This is another great cashback website with most of the major stores to choose from. They offer up to 30% cashback on a few stores, but 5% is standard to see for many of the retailer websites they offer.

19. Second to None

This is another mystery shopper website like BestMark, but the shops are different. BestMark seems to focus more on auto-related purchases, while Second to None focuses more on smaller shops. One of their biggest assignments right now involves compliance on alcohol and tobacco products at select stores. Occasionally, there could be an important assignment (depending on your location) that could pay close to $100 for a few minutes of work.

20. BeFrugal

Most of the cashback websites offer a $3 or $5 bonus for signing up—BeFrugal offers a $10 signup bonus. They offer up to 30% cashback on select stores, and up to 10% cashback on Amazon.

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21. Ibotta

Cashback at all of the major departments stores, electronics stores, and even movie theatres. The app makes it easy to use right on your phone.

22. Coupon Cactus

Yet another great cashback website that makes it really simple for you to find your cashback coupon and go shopping. Coupon Cactus is also great for saving money in other ways. Browse around their website to figure out all of the ways you can earn and save.

23. IntelliShop

IntelliShop is a great mystery shopper website, and it’s easy to sign up and get started. They offer many different types of mystery shopping opportunities from all kinds of different businesses.

24. Sinclair Customer Metrics

This is another great mystery shopping website. They offer fun ways to shop, evaluate companies, and earn money while doing it.

25. Market Force

Market Force is a great mystery shopping company. I like that they not only have plenty of stores to mystery shop at, but you’ll also get paid to eat! Market Force seems to have more restaurants to shop at than the other mystery shopping companies.

26. InstaGC

You’ll get paid to watch videos, listen to music, shop, and do several other things. They also have a very low minimum cash out—you can get paid after earning a single dollar.

27. Analysia

This is same concept as User Testing. Each test takes about 10-15 minutes and pays $10. Analysia works the same way as User Testing—they will email you when a test becomes available.

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28. StartUpLift

Just like the two websites above, StartUpLift pays you to answer questions about different websites. The questions vary depending on what the specific client wants, but each one pays a flat $5.

29. TryMyUI

This website pays $10 for 15-20 minutes of website evaluation. You’ll visit the website, and then provide feedback on different aspects that the client is looking for.

30. Enroll

These tests fluctuate a little more than the other websites, as far as tasks to complete and pay-per-test, but Enroll is another great option to sign up for and await emails telling you when tests are available.

Additional Tips

  • Make a separate email account. You can use your personal email if you want, but it’s best to set up a new email account that is specifically dedicated to making money online. This will keep your personal inbox clear and it will make it easier to organize emails from these specific websites.
  • Don’t use these websites as a bank. As soon as you reach the minimum for withdrawal, take your money. You never know if and when the website could unexpectedly close. This way, you also won’t have to worry about any errors with funds that you store at the website.
  • Don’t forget to pay your taxes. You may be surprised to find that you can easily earn a few thousand dollars over the course of a year. The government will be interested in this new endeavor as well. Make sure to claim the money as income and report it properly on your taxes at the end of the year.

BONUS: Websites That Pay You to Write

  • FundsforWriters -The article must pertain to writing, and they pay $50 per accepted post. Must be between 500-600 words.
  • Uxbooth – Uxbooth accepts all kinds of topics and articles. They pay $100 per accepted post. Must be between 1,200-1,800 words.
  • Listverse – The article must be a list, and they pay $100 per accepted post. There is a 1,500-word minimum.
  • TopTenz – TopTenz also only accepts list posts, and they pay $50 per accepted post. There is a 1,500-word minimum.
  • A List Apart – You guessed it, it must be a list post. They pay $200 per accepted post, but they publish less often, therefore, they accept less posts. There is a 1,500-word minimum.
  • iWriter – iWriter offers many topics and accepts a lot of posts. They pay $15 per accepted post. There are no guidelines on word count.
  • Textbroker – The pay is lower, but they have many articles to write. They pay up to $.05 per word. There are no guidelines on word count.
  • Matador Network – The pay fluctuates, but they pay up to $60 per accepted post. There is a 1,500-word maximum and no minimum.

This list is a goldmine for you to take advantage of. I’ve used websites like these to make extra cash for years—I’ve even got a free laptop from these types of websites—so they are worth your time. Stay organized, keep track of your earnings, and you’ll be surprised at how much money you can make by doing the things you already do.

Featured photo credit: Man Packing His Things on Vacation/Viktor Hanacek via picjumbo.com

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Kalen Bruce

Military, Writer

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Published on May 7, 2019

How to Invest for Retirement (The Smart and Stress-Free Way)

How to Invest for Retirement (The Smart and Stress-Free Way)

When it comes to stocks, I bet you feel like you have no idea what you’re doing.

Everyone who’s not a financial expert has been there. I’ve been there. But, time is passing and you need to be crystal clear with how you’re investing for your retirement.

Otherwise, it’s back to work until you can afford not to. So, how can you invest for retirement when you’re not a financial expert?

You take the time to learn the fundamentals well. If you do, you can grow your wealth and retire happy. The best part is that you don’t need to be a financial expert to make smart investment decisions.

Here’s how to invest for retirement the smart and stress-free way:

1. Know Clearly Why You Invest

Odds are you already know why should invest for retirement.

But, maybe you know the wrong reasons. It’s time you get clear on why you’d like to retire. Here are some questions to help you get started:

  • Will you spend more time with your family?
  • What does retirement mean to you?
  • Are you looking to launch that business you’ve been holding off for years?

Everyone wants to retire but not for the same reasons. Once you’re clear for why retirement is important for you, you’ll focus on making it happen.

Investing in the stock market allows you to take advantage of compound interest.[1] All this means is that your money earns money on top of its interest. A reason why investment in the stock market is one of the best ways to plan for retirement.

2. Figure out When to Invest

“The best time to plant a tree was 20 years ago. The second best time is now.”– Chinese Proverb

It’s true if you’d had started investing when you were 10 years old, you’d have a lot more money than you do today.

The reality is that most people don’t start investing until it’s too late. So, if you’re currently waiting for the perfect time to start an investment, it would be today. Open your calendar and block out 2 to 3 hours to choose how you’ll invest for retirement.

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A quick way to get a snapshot of where you stand is to use Personal Capital. Input all your personal information and spend some time setting your retirement goals. Once completed, you’ll know where you stand with your retirement.

Having a savings account for retirement isn’t planning for retirement. Why? Your money loses value when you factor in US inflation.[2]

3. Evaluate Your Risk Tolerance to Create the Perfect Portfolio

Investing your money well depends on your emotions.

Why?

Because when the market drops most people panic and withdraw their money. On average, the US stock market yields an annual 6% to 7% ROI (return on your investment.) But, this won’t happen if you’re worried about short-term loses.

Before you invest your next dollar, know your risk tolerance.[3] Your risk tolerance determines the number of risky and safe investments you’d have.

Regardless of your investing style, you need to view investing for retirement as a long term game. Know that some years you’ll lose money but recoup this in the long-term.

Avoid watching market-related new. Also, create a double authentication to log in your investment account. This way you’re less likely to withdraw your money.

4. Open a Reliable Retirement Account

Depending on your circumstance, you may need to open a new brokerage account. This is the account is where you’ll invest your money.

If you’re currently working for a company, odds are that they offer a 410K investing account. If so, here’s where you’ll invest most of your money. The only problem with this is that you’re limited to the stock options that are available.

You do have the option to open a separate IRA (individual retirement account.) Here are some of the best brokers:

  1. Vanguard
  2. TD Ameritrade
  3. Charles Schwab

5. Challenge Yourself to Invest Consistently

Committing to invest for retirement is hard, but continuing to do so is harder.

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Once you’ve started investment for your retirement, you run at risk from stopping. Often you’ll want to contribute less, so you’d have more money in your pocket.

That’s why it’s important that you create a budget that allows you to invest each month. If you’re working for a company, you can set a percentage for the amount you’d like to contribute each month. Most people by default contribute 1% but aim to contribute 10% to 15%.

Be the judge for how much you can afford to contribute after covering important expenses. To stay motivated, use Personal Capital to view your net worth.

A benefit to contributing money to your retirement account is not taxed. For example, if you earn $100 and invest 10%, you’d contribute $10, then get taxed on the remaining $90. As of 2019, the most you’re able to contribute towards your 401K is 19K but this can change.

6. Consider Where to Invest Your Money

The most common way to invest your money is in stocks, but it’s not the only way. Here are other ways to invest:

Robo Advisors

Robo-advisors[4] are fancy algorithms that’ll choose the best investments for you. Sites like Wealthfront make it easy for first-time investors to invest their money. You’d input information about yourself and set your risk tolerance.

Then, set your monthly contribution amount and your robo-advisor would do the rest. Robo-advisors charge a fee to manage your money, but less than regular advisors.

Bonds

Think of bonds as “IOUs” to whomever you buy them from.

Essentially, you’re lending money and charging interest. Like stocks, not all bonds are equal. Some will be riskier than others depending on their rating.

Here are the different types of bond categories:[5]

  1. Treasury bonds
  2. Government bonds
  3. Corporate bonds
  4. Foreign bonds
  5. Mortgage-backed bonds
  6. Municipal bonds

Mutual Funds

Picture a group of people dumping all their money in a jar that’s managed by a professional. This is how mutual funds work. The fund manager manages the money looking to earn capital gains (interest.)

One of the best types of mutual funds is index funds. Since these funds don’t try to beat the market and instead follow it, they need less research. Because of this they often charge the lowest fees and yield the best long-term results.

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Real Estate

Yes, buying a home is an investment when done correctly.

Imagine buying a home and using it as a rental property. After repairing it, you receive a monthly surplus check of $100 to $200.

This may not sound like a lot, but repeat this process enough times and you’d earn a large amount of passive income. That’s why real estate is one of the best investments to not only retire but become wealthy.

But, it requires a lot of money to start and you should expect losing money along the way as you learn the process.

Savings Accounts

Your money can still grow in a savings account. Nowadays most online banks offer a 2% annual return. Although the average inflation is higher your money will be available when you need it.

7. Master Disincline to Dodge Short Success

Investing for retirement is a long-term strategy. That’s why you need to master delayed gratification. All this means is delaying short-term pleasure for something bigger in the future. Research shows that those who have delayed gratification are more successful.[6]

So how can you master delayed gratification?

By building your discipline.

Think back to what retirement means to you. A clear purpose will help you avoid withdrawing your money during a market downturn. It’ll help you contribute more towards retirement when you’d want to waste it instead.

Your journey towards retirement will be long, so reward yourself along the way. Choose a reward that’s relevant and meaningful, so that you reinforce positive behavior. For example, after contributing more towards retirement, treat yourself to dinner.

8. Aggressively Invest on This One Investment

I’ve mentioned several types of investments but haven’t covered the most important one.

It sounds cliche but here’s why you’re your best investment towards retirement. The more you know, the more money you’ll be able to make. The more good habits you adopt, the more secure your retirement will be.

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More importantly, investing in yourself is an investment that no one can take away. There’s no market downturn nor tragic circumstance that’ll wipe your knowledge and experience.

But, how can you invest yourself?

Reading books, blogs, and anything that’ll help you learn new topics daily. Listen to podcasts and audiobooks on your commute to/from work.

Save money to buy courses and hire coaches. I used to believe hiring coaches was a waste of money when I could learn the subject alone.

But, coaches see your blind spots and hold you accountable. Hiring the right coach will help you achieve your goals faster than you would’ve alone.

Retire Happy with Excess Money

The key to a secure financial future doesn’t only belong to financial experts.

It’s possible for you and I. What if you were able to retire earlier than most people and weren’t a financial planner? What if you were able to focus on what you enjoy doing the most while your money was working hard for you?

I know this sounds impossible now, but the truth is you’re capable of taking charge of your retirement. I’m not a financial expert but I’ve learned how to invest my money by reading books and learning from others.

Investing your money is scary. So start small and invest a small amount of your money with a robo-advisor. Feel your money drop and rise for a month or two. Then, invest more and keep this up until you’re aggressively saving for retirement.

One day, you’ll wake up with a net worth you’re proud of – confident about your retirement. You now know a few strategies you can use to invest in your retirement. Will you take action to retire happy?

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Featured photo credit: Matthew Bennett via unsplash.com

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