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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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Last Updated on July 10, 2020

The Definitive Guide to Get out of Debt Fast (and Forever)

The Definitive Guide to Get out of Debt Fast (and Forever)

Debt can feel crushing, like a weight that is always weighing you down. Looking at those numbers, it can feel as if you’ll never get out from under it. However, if you really want to learn how to get out of debt, it is possible with a great deal of focus and self-control.

Getting out of debt isn’t impossible. Like any big goal, all that it takes is an action plan to identify where you are and creating a plan to zero out your debt.

Identifying All of Your Debts

The first part of paying off your debt is getting a complete picture of what you owe. When you have everything written out in front of you, it makes it much easier to create an action plan. Depending on how much you owe, it might also help you realize it’s not as bad you might have originally thought.

Here’s how you can get started identifying your debts:

1. Own Your Debt

Before you start identifying all of your debts, take a moment to process that you have debt but want to get out of it.

Forgive yourself for any past mistakes, missed payments, or overspending. It might be painful to accept how much debt you have at first, but you must own it.

2. Make a Debt Tracker

It’s astonishing how few people ever created a tracker to understand their total debts. Most likely, it comes from not wanting to accept the guilt of having debt, but, if avoided, it can make it nearly impossible to get out of debt.

Open up a new Google or Microsoft Excel sheet and list out all of your debts. Start with the name of the creditor, interest rates, total balance, loan term length (if any), and the minimum amount due each payment. This will include student loans, credit cards, and any other type of debt owed.

3. Get Your Debt Number

Once you’ve made your debt tracker and taken the other steps, identify your total payoff number. This is crucial, as you will have a starting point and a clear goal that you are trying to achieve.

Prioritizing Your Debts

All debt is not created equal. It’s imperative to understand that there are different types of debt.

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1. Understand Bad and Good Debts

Bad debts are usually paying for things you want instead of always need. While there might be some emergencies that max out your credit cards, often times it’s excessive spending[1].

There are three main types of bad debt:

  • Credit Card Debt: The average American household owes over $16,000 in credit card debt!
  • Auto Loan Debt: According to CNBC , the average auto loan in the US is $30,032!
  • Consumer Loan Debt: Consumer loan debt isn’t as common as credit card and auto loan debt, but it’s still considered bad as interest rates are usually between 10-28%.

Good debt is identified as investments in your future. Here are three common types of good debt:

  • Student Loan Debt
  • Mortgage Loan
  • Business Loans

2. Decide Which Debt to Pay off First

Once you know each type of debt and their interest rates, you can begin to pay off debt quickly.

Focus on paying off bad debt first, regardless of if it is a credit card or auto loan. Start by paying off the loan with the highest interest rate first.

If you have several credit cards with different interest rates, you want to focus on the one with a higher APR. You will actually save more money by eliminating the card with the highest interest rate.

3. Don’t Pay the Minimum Amount

Paying the minimum amount digs you into a hole as interest rates will offset your payment. Even a small amount more than the minimum can help you pay off debt much faster.

Removing Obstacles to Pay off Debt Quickly

Creating a debt tracker and prioritizing a plan is simple, but avoiding temptation can be difficult.

1. Set a Reminder to Track Your Debt

“If you can’t measure it you can’t manage it.” -Peter Drucker

It’s so important to track your debt to ensure that you get it paid off quickly. Similar to working out and measuring your results, you need to track your debt constantly. Start with a weekly reminder, where you sign on and log your updated number. Did you increase, decrease, or stay the same?

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Regularly tracking your student loan balance can be incredibly motivating, as well. You will get a huge confidence boost each time you see your total debt amount decreases.

Set weekly and monthly goals so you can have short term wins and keep the momentum going.

2. Hide Your Credit Cards

If your biggest debt is credit cards, you need to eliminate temptation and remove them from your wallet.

Some people have gone to extreme measures by freezing their credit cards. Why? This would create an ice block around your card, which would require you to chip away at it slowly. This will give you time to think if it’s the best idea to buy that thing you’re about to buy.

3. Automate Everything

Willpower can be a huge downfall to paying off your debt. By automating your bills each month, you will ensure that willpower isn’t involved.

4. Plan Ahead

Getting out of debt will require some sacrifices, but with enough planning, you can make it work.

For example, if you know that you have a friend’s birthday or family dinner coming up, plan ahead for the costs. Whether you need to cut back on spending the week before, pick up a side job, or meet them after dinner, do what is needed.

5. Live Cheaply

The only way to get out of debt is to make some sacrifices on your spending habits. Find ways to save money each month so you can apply that amount to your outstanding debts. Here are some ways to save money each month:

  • Live with roommates
  • Cook dinners and prepare lunches for work instead of eating out
  • Cut cable and choose Netflix or Amazon Prime
  • Take public transit or bike to work

Finding the Lowest Interest Rates

The higher your interest rates, the harder (and longer) it will take you to pay off any debt.

If possible, you want to find ways to lower your interest rates to help get out of debt quickly. Here’s how you can get started:

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1. Maintain a High Credit Score

Your credit score will have a large impact on your ability to refinance your loans and receive a lower interest rate. If you have a low credit score, it’s unlikely you will be able to refinance your loans. Use these credit tips to increase and maintain an excellent score:

  • Never miss a payment
  • Don’t exceed 30% of your credit limit
  • Don’t sign up for more than one card at once
  • Limit hard inquires, like auto-loans and new credit cards
  • Monitor frequently with free credit-tracking software

2. Find Balance Transfer Offers

Start by opening a free account on credit.com. Credit.com offers you the chance to open a free account and see what type of balance transfer offers you can receive. Some of your existing credit cards might already have 0% or lower APR balance transfer offers available.

Contact each of your credit card providers to ask about lowering your rate for a one-time balance transfer offer[2].

If you do take advantage of this option, make sure that you use a balance transfer and not a cash advance. Cash advances have a ton of high interest fees (15-25%, depending on your credit card) and will only compound your debt problem.

How to Get Rid of Debt Forever

Setting up a plan, removing temptations, and getting the lowest interest rates is the first step to get out of debt.

1. Keep Monitoring and Adjusting

Once you have a plan, don’t get comfortable. Track your debt payoff plan and make the necessary adjustments when needed.

Monitor your credit scores with a free site like CreditKarma. The higher your credit score climbs, the more likely you will be to secure a new, lower-interest loan.

2. Earn More Money

There are only so many ways to save money. Instead of clipping another coupon or making sacrifices for your morning coffee, find ways to earn more money!

Think about it…it is much easier to find ways to earn an extra $1,000 per month than find $1,000 to cut from your budget.

Here are some examples of ways to earn more money:

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Talk to Your Boss

Have a conversation with your boss about current salary and/or commission rates. If you’re not satisfied or want a change, don’t be afraid to look around at other positions. Some of them might even have a student loan debt reimbursement plan!

Start a Side Hustle

This could be coaching students on the weekends, driving for Uber, or taking paid online surveys. There are tons of ways to make money outside your 9-5. Now that you have a clear plan to pay off your debts, you’ll be more motivated than ever to figure out creative new ways to earn money.

Build an Online Business

There are so many websites and blogs that earn money from ads, affiliates, and other online products. Find your niche and get started.

3. Celebrate Your Wins

As you progress in your debt payoff journey, don’t forget to celebrate your wins. You need to always reward yourself for the hard work and discipline that is required to get out of debt.

While you shouldn’t celebrate so big that it increases debt, make sure to factor in little rewards to keep you motivated.

4. Set New Financial Goals

Eventually, with a plan and these steps, you can rid yourself of your debt. Once you do, make sure to celebrate your monumental achievement, but don’t stop there.

Now, you can focus on acquiring wealth and increasing your net worth. Set new financial goals so you have a new target to aim toward. Here’s how to set financial goals and actually meet them.

These could be anything now that you are debt free! Think about where you want to travel, buying your first home, or saving for your future retirement. Just like before, make sure that your goals are specific, measurable, and achievable.

Conclusion

Congrats, you can now set a plan in motion to finally pay off your debt quickly (and hopefully forever)!

Remember, if you want to get out of debt quickly, it’s not always easy. Just like any big goal, there will be sacrifices, challenges, and problems to overcome.

More Tips on Getting out of Debt

Featured photo credit: Pepi Stojanovski via unsplash.com

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