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23 Apps That Pay You Real Money in 2020

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apps that pay you real money

Are you interested in downloading the best money making apps that pay you real money?

Today I’m going to show you some new strategies to make some extra money fast simply by clicking a few buttons on your cell phone (in under 5 minutes).

The best part? A lot of these require no effort at all.

I get it.

Life happens.

Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want.

You don’t want to fall behind on bills and are wondering how to make money today or what apps pay you real money?

Sure, another 100 dollars earned today wouldn’t hurt.

We’ve all been there, but what do you usually do when that happens? This is an exhaustive list of things that anyone can do, today, in order to make money through the best mobile applications I’ve found.

If you’re strapped for time, I’ll go ahead and share the best money making apps that you can add to your side hustle arsenal.

How to Make Money with Apps

Ready? I’ll only list legit ways that I’ve personally used to make money, and make it fast. We will first start with the quick wins, companies that’ll (legit) pay you money just for signing up:

Next, we’ll move on to other ways to earn with your mobile phone.

1. Survey Junkie

Taking online surveys to make that extra money is a no-brainer!

You definitely won’t get rich or make thousands of dollars per day with surveys alone, but you won’t waste much time, and you can make some money the easy way. Here is my favorite (and highest paying) survey site:

survey junkie

Survey Junkie pays between $2 and $50 per survey, and many of them take less than 5 minutes to complete. So if you took on average 10 surveys per day, every day for a month, you could make $375+ per month. If you took more surveys a day — the possibilities are endless.

There are a lot of scammy survey sites out there, but Survey Junkie has over 11,000 positive reviews on TrustPilot, the highest of any survey site. It’s legitimate.

survey junkie trust pilot

Sounds like fun? Sign-up for Survey Junkie, take surveys and earn money from your phone fast. You can also get a registration bonus through here.

GET STARTED>>

Download: iOS | Android | Browser

2. Solitaire Cube

solitaire cube Solitaire Cube is an addicting game where you can play Solitaire on your phone and compete in cash tournaments.

Solitaire Cube includes tournaments and head-to-head competitions with real cash prizes (where available).

It’s available on the Apple Store only, sorry Android users.

It’s pretty easy to get started and the game will match you up with other players who have the same level of skills in real-time.

Cash outs are through PayPal and I had no issues withdrawing or depositing money.

How to play? Stack cards into piles to sort them by their suit. Sound easy? It is!

GET STARTED>>

Download: iPhone | Android |  More »

3. Nielsen Mobile

nielsen company

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make a quick $50 too.

Just by downloading an app, you can collect $50 per device and earn rewards. They just track your app usage and that’s it.

You don’t have to do anything other than initially registering your computer or phone.

Nielsen: This company will pay you $50 a year to keep their app on your favorite internet browsing device and they also give away $10,000 each month. So you can possibly make more than $50. Sign up through here for a registration bonus.

GET STARTED >>

Download: iOS | Android | Browser

4. Mistplay

make money fast

Getting paid for playing games sounds like a dream.

But if you download Mistplay then you can start earning money for playing addicting games. As you level up you can earn more money for cash rewards or gift cards.

This is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games.

This app has over 35,404 positive reviews in the Google Play store (it’s super legit).

If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

5. Robinhood

robinhood

Are you ready to say goodbye to fees for when you buy and sell stocks and hello to commission-free trades?

That’s right, Robinhood lets you do everything for free and takes no fees — ever.

Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link.

They are also offering a free stock promotion and you don’t even have to deposit any money to receive the stock.

Just sign up and wait a few days for it to show up in your app. You can also cash out immediately and transfer the funds to your bank account — if you wanted to.

If you wanted to learn you can sign up for information from Robinhood through here.

GET STARTED >>

Download: iOS | Android | Browser

6. Swagbucks Search

Swagbucks offers you the opportunity to earn cash for just searching the web.

Earn cash for searching for cute puppy pics?

Sounds too good to be true, but you read it right. Just switch from using Google or Bing to Swagbuck’s search engine and you’ll expect to earn up to $50 per month for active use. swagbucks Plus, you can get a $10 sign up bonus through this link.

GET STARTED >>

Download: iOS | Android | Browser

7. InboxDollars

inboxdollars

Another app that offers you the opportunity to play games for real money is InboxDollars.

If you sign up before the end of this month, they also give you a $5 free bonus just to give it a try.

By spending just 5-10 minutes per day on this (either on your lunch break or during TV commercial breaks) you can earn and earn an extra $50/month just for playing games. They also offer you the opportunity to earn cash for sharing your opinion and completing surveys.

More people should be doing this.

GET STARTED >>

Download: iOS | Android | Browser

8. Blackout Blitz

blackout blitz

How it works: Blackout Blitz (iOS) is a brand new bingo-style game where you can win real cash prizes by playing bingo.

I’ve won over $1,000 playing just the Bingo game alone. But I do play some of the other matches that are labeled “brackets” and in those, you can win a higher dollar amount.

They also have special events where you can win prizes and larger sums of money and yes, they do deliver on paying you out if you do win whatever prize that is up for grabs.

All in all, I really like this game and spend a good amount of time on their other games too because they’re all pretty fun and super addicting!

If you don’t like to gamble then don’t gamble and only play the free portion and if you do wish to gamble at a later time then you can.

Click here to try out Blackout Blitz (Apple App Store)

GET STARTED >>

Download: iOS | Android | Browser

9. Lucktastic

lucktastic

If you love the feeling of buying lotto tickets or scratch-offs and dreaming about the money ???? you stand to win — then you would seriously enjoy playing Lucktastic (download for Android only).

This free app offers the same daily scratch-off cards that you find at your local convenience store — but here you can play for free and win real money.

I was hesitant at first but this gaming app has over 327,695+ positive reviews in the Google Play store.

You can win up to $10,000 in card cash prizes and there are daily $500 Amazon gift card giveaways. The threshold for payout is only $2 and you can get daily opportunities to win big when you download the Lucktastic app for free.

GET STARTED >>

Download: iOS | Android | Browser

10. ZippyLoan

ZippyLoan get money fast

If you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go.

ZippyLoan offers you online personal loans in about 5 minutes on their completely secure website.

This website connects you to lenders which means that waiting times are minimized unlike at a bank. The money is usually deposited in your account the next day you apply for a loan.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $100 and $15,000 as soon as tomorrow.

Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

GET STARTED >>

Download: iOS | Android | Browser

11. Zynga Poker

zynga

Zynga Poker (iOS and Android) is your lucky ticket to join one of the world’s most popular free online poker games.

This free gaming app has more tables, more tournaments, more jackpots, and more players to challenge than ever before.

The best part? You can actually win real money by downloading it here for Android or iOS.

GET STARTED>>

Download: iOS | Android | Browser

12. Fundrise

fundrise

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.

Through their real estate investment products, investors earned an average of 8.7 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

There is a reason why they currently have 5/5 stars on TrustPilot, you can really make money with Fundrise.

fundrise trustpilot

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

13. Cash Signup Bonuses

cash sign up bonus

Cash in on the following signup bonuses available through us and you will be on your way to making an extra $100:

  1. Swagbucks: $10 welcome bonus! Swagbucks is a legit rewards site with lots of different ways available to earn money. You can take surveys, play games, watch fun videos, and search the internet.
  2. Ibotta: $20 welcome bonus! Ibotta pays you real money on your everyday purchases. Download the free app to receive offers and earn real cash back in stores and online.
  3. Rakuten (formerly Ebates): $10 welcome bonus! Rakuten is where you can get cash back for shopping at over 2,500 stores.
  4. MyPoints: $10 welcome bonus! MyPoints offers a daily rewards program and is another cashback website that works similarly to Rakuten.
  5. InboxDollars: $5 welcome bonus! Earn dollars for small tasks such as taking surveys, watching videos, and playing addicting games.

Signup bonuses offer a great way to kick start your earnings with quick cash rewards.

14. Fetch Rewardsfetch app

Fetch Rewards is a mobile rewards app that pays you for shopping (from any store).

This is a great way to make money, the easy way, and can add up to a large wad of cash with time.

  1. Click here to download Fetch
  2. Scan any receipt from any stores that you use daily
  3. Get cash (via PayPal)

Enjoy your free money!

Click here to sign up and get a quick $2 in your account after scanning your first receipt.

GET STARTED >>

Download: iOS | Android | Browser

15. Game of Throne Casino Slots

game of throne slots

Winter is coming. If you’re a fan of slots and Game of Thrones, this gaming app is a must.

The experience and selection of slots along with the social element take this slot casino to the next level.

Are you ready to spin the slot machines on your way to the ultimate glory: The Iron Throne? You can download the app for free here (android only).

GET STARTED>>

Download: iOS | Android | Browser

16. Truebill

truebill app

One thing that I’ve found is that the easiest way to get more money is simply by saving more.

But most people are used to their standard of living, so it can be hard.

That’s why I was pleasantly surprised to learn about a new app that automatically lowers your bills and cancels forgotten subscriptions.

Within a week of using it, I saved $230.34 and it’s very common among users to save even more.

In fact, this free app has saved its users over $15M to date!

If you wanted to see if they can lower your bills, download it for free here.

GET STARTED >>

Download: iOS | Android | Browser

17. Rakuten

You’d be silly not to get cash-back for items you would have bought anyway. You can do this by shopping online with Rakuten.

Rakuten is my favorite way to make money when I shop online and right now they are offering a $10 sign up bonus through this link.

rakuten bonus

Every time I shop online, I start at Rakuten and then I get cash back deposited into my PayPal account.

Hello, free money! Join now for free here.

GET STARTED >>

Download: iOS | Android | Browser

 

Best Money Making Survey Sites

I sat down and studied all of the best survey apps to find out for myself which ones are legit (and high paying), and which ones are not.

If you wanted to compare some more, here is the list of the best money making surveys:

18. Survey Junkie

survey junkie

Survey Junkie’s interface is super smooth and intuitive (unlike the majority of survey company websites that look like they were built in 1997), and members are paid in cash via Paypal.

Oh, and Survey Junkie also has an 8.9/10 rating on TrustPilot — the highest of any online survey company.

This is one is the more reputable survey companies out there and millions of users have already joined.

  • Where it’s available: United States, Canada, and Australia
  • Age requirements: 13+ years old
  • Average earnings: $0.50 – $3 per survey
  • Payment method: PayPal cash in all countries, or gift cards and direct bank transfers in the United States
  • Minimum to cash out: $10
  • Where to sign up: Survey Junkie Official Site

GET STARTED >>

19. Swagbucks – $10 Signup Bonus

swagbucks

Swagbucks lets you earn money in so many ways like taking surveys, shopping online, or playing games, but many people love racking up money by watching videos in their spare time.

You can cash out your ‘Swagbucks’ as gift cards to hundreds of merchants or get your cash by PayPal (legit cash to your bank account). Many claim this to be one of the best reward sites in 2020 and they are currently offering a $10 sign up bonus.

  • Where it’s available: Most of the Americas, Asia and Europe, and some areas in Africa.
  • Age requirements: 13+ years old
  • Average earnings: $0.40 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: $3 in gift cards or $25 in PayPal cash
  • Where to sign up: Swagbucks Official Site

GET STARTED >>

20. InboxDollars – $5 Signup Bonus

inboxdollars

InboxDollars pays members to read emails, take surveys online, playing games, and search the web!

Overall, Inbox Dollars is super easy to navigate. I’ve tried other paid survey sites and just end up overwhelmed.

They also do a nice job of breaking down the offers into categories.

And you’ll always see the amount of money you’ve earned at the top of your window, which is exhilarating.

Right now they are offering a $5 cash bonus just for joining.

  • Where it’s available: United States
  • Age requirements: 18+ years old
  • Average earnings: $0.50 – $5.00 per survey and up to $10 and $20 or more for people in certain demographics
  • Payment method: Gift cards, prepaid Visa card, or a check in the mail
  • Minimum to cash out: $30
  • Where to sign up: InboxDollars Official Site

GET STARTED >>

21. Vindale Research – $1 Signup Bonus

vindaleGet paid to take online paid surveys with Vindale Research.

Here, you’ll take surveys for money about products created by some of the world’s most famous companies – including Disney, Volkswagon, Amazon, Nike, Samsung, and more.

For each survey you complete, you’ll earn money.

They pay you straight cash. You don’t have to convert your points into cash, you can see your earnings on the dashboard.

Payout is through Paypal or check.

To get started, simply create your free account. It only takes a couple of minutes, and you’ll receive a nifty $1 signup bonus when you do.

  • Where it’s available: United States, Canada, United Kingdom, and Australia
  • Age requirements: 18+ years old
  • Average earnings: $0.50 – $2.00 per survey
  • Payment method: PayPal or a check in the mail
  • Minimum to cash out: $50
  • Where to sign up: Vindale Official Site

GET STARTED >>

22. MyPoints – $5 Signup Bonus

mypoints

MyPoints rewards its members for online activities such as reading emails, playing games, online surveys, printing out coupons, and more.

They pay their members using their own currency known as “Points”.

These points can be redeemed for online gift cards, cash via Paypal, and travel miles, etc. The minimum payout amount for most rewards is $10; however, PayPal payments start at $25.

Redemption times for your awards vary. When you redeem your points for cash via Paypal, the request is usually processed within 4-5 days. For other prizes, the wait time varies.

  • Where it’s available: Most of the Americas, Asia and Europe, and some areas in Africa.
  • Age requirements: 13+ years old
  • Average earnings: $0.40 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: $3 in gift cards or $25 in PayPal cash
  • Where to sign up: MyPoints Official Site

GET STARTED >>

23. Survey Voices

survey voices

Survey Voices is one of the easiest survey sites to sign up for, they just need your email.

Once you’re in you can take surveys and get paid $100-$300 per week.

Sign up using this link for the highest paying surveys.

All you need to do is instantly qualify, then view exclusive offers in exchange for your opinions and get access to paid surveys, clinical trial opportunities, and part-time work offers.

Who doesn’t want to make $300 a week?

Survey Voices is looking for people to tell major brands what you think about their products and services. And they PAY WELL.

  • Where it’s available: United States.
  • Age requirements: 13+ years old
  • Average earnings: $.50 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: The minimum threshold to request a payout is $30, and you’ll pay a $3 processing fee
  • Where to sign up: Survey Voices Official Site

GET STARTED >>

Once You Have $100 in Your Checking Account, Do These 5 Things

1000 in bank

Once you built some cushion in your bank account — you’re on the right path. Money making apps can only get you so far, it’s time to think about longer-term financial goals.

What’s the next step you should take?

Here are ways to take your finances to the next level:

Leave Your Family $1M

Who doesn’t want to be a millionaire? While we don’t all have trust funds waiting for us, there is still a way to provide protection for your loved ones with up to $1 million in term life insurance.

Wouldn’t it be great if you could do this for as little as $8 a month without dealing with all the hassle of wasting your time or money? You don’t have to have money in your pockets to get a free quote from Bestow.

If you’re interested, I recommend you sign up for more information from Bestow by clicking here.

Build an Emergency Fund

Having money in the bank for emergencies can help you improve your financial standing. You’ll want three to six months’ worth of expenses in your emergency fund. Be sure to stash your money in the right savings account that’ll grow your money.

Start with a high-yield savings account like CIT Bank that offers a Savings Builder that will pay a great APY and still give you instant access to your money in case of an emergency. You can open it with $100 and deposit $100 a month to help you get to $1,000 in less than a year.

Evaluate Your Checking Account

Need a better checking account that’ll spot you a $100 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card. There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.

Get Free Stocks Instantly

While you’re at it, why not increase your net worth with a free stock? Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock.

Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup).

Start Building Passive Income

Fundrise is definitely one of the best passive income apps. This app was originally an iOS app and it has just become available on Android.

By downloading this app, you can start investing in real estate all around the US in as little as 30 minutes and it’s super easy to get started. Then you can literally beat the stock market year after year and start making money in your sleep

If you want to earn the big bucks then you can learn how to get started by getting more information from Fundrise here.

Best Money Making Apps for Android and iOS

Your next bet is to get some quick wins through freebies and sign up bonuses.

The three survey sites below are legitimate and you can join from your smartphone.

I’m not the biggest fan of survey sites, but it’s worth it just to claim a quick sign up bonus.

Once you’re in and a paid survey is ready for you to take, you’ll get a notification. Sign up for all 3 below (will open in new tabs) and you’ll get paid up to $50/per survey.

Quick Cash Bonuses

survey junkie

Welcome Bonus: Get 150 Registration Points here
Potential earnings per month:
Up to $200

What it could add up to in a year: $2,400 ?
Additional Referral Earnings: 10% of your referral’s earnings

GET ACCESS NOW


Download: iOS | Android | Browser

inboxdollarsBonus: Get a $5 sign up bonus here
Welcome Bonus: $5
Potential earnings per month: Up to $175
What it could add up to in a year: $2,100 ?
Additional Referral Earnings: 10% of your referral’s earnings

CLAIM $5 BONUS NOW

Download: iOS | Android | Browser

swagbucksBonus: Get a $10 sign up bonus here
Welcome Bonus: $10
Potential earnings per month: Up to $200
What it could add up to in a year: $2,400 ?
Additional Referral Earnings: 10% of your referral’s earnings

CLAIM $10 FREE NOW

Download: iOS | Android | Browser

Need More Money Making Apps?

A ton of people are searching online for the best money making apps.

Well, look no further, because if you wanted more ways to make money online then these are literally the best free money making apps that’ll pay you real money.

So consider scrolling back up and taking a second look.

Also, cash in on the following signup bonuses available through us and you will be on your way to making an extra $100:

  1. cash sign up bonusSwagbucks: $10 welcome bonus! Swagbucks is a legit rewards site with lots of different ways available to earn money. You can take surveys, play games, watch fun videos, and search the internet.
  2. Ibotta: $20 welcome bonus! Ibotta pays you real money on your everyday purchases. Download the free app to receive offers and earn real cash back in stores and online.
  3. Rakuten (formerly Ebates): $10 welcome bonus! Rakuten is where you can get cash back for shopping at over 2,500 stores.
  4. MyPoints: $10 welcome bonus! MyPoints offers a daily rewards program and is another cashback website that works similarly to Rakuten.
  5. InboxDollars: $5 welcome bonus! Earn dollars for small tasks such as taking surveys, watching videos, and playing addicting games.

Signup bonuses offer a great way to kick start your earnings with quick cash rewards.

Good luck with making money with your phone!

Top 33 High Paying No Experience Jobs (Near Me)

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no experience jobs

Looking for jobs that don’t require a degree or experience that are hiring near you? Check out this list of 33 high paying no experience jobs.

Whether you’re a fresh-faced college student, a high school teenager learning how to make money, or just breaking into a new field, chances are you’ve been confronted by the “experience paradox”.

Simply put, the experience paradox is one of the most enigmatic paradigms that exist: you need the experience to get the job, but you need the job in order to get experience.

Being able to overcome this challenge can be the difference between the freedom of having a car and having to bum rides from your friends whenever you need to go somewhere (gas is expensive!).

This phenomenon can be frustrating for anyone, especially when you know you could be a perfect fit for a job, and yet you don’t have the chance to show it.

Best Paid Jobs With No Experience Needed

The first of these best jobs with no experience? A survey!

1. Survey says…you deserve extra cash

Looking for a legitimate cash job? Then you probably know what they say about opinions…well, it just so happens some people do want to hear them. Taking mere minutes to complete, surveys are a quick way to put some extra cash in your back pocket.

Surveys are a ‘you scratch my back, I’ll scratch yours’ kinda deal. Companies receive vital information from an average joe – that’s you! – and in return, you get a few dollars for your time.

There are a lot of survey sites out there, so start with these:

Survey Junkie – Survey Junkie’s interface is super smooth and intuitive (unlike the majority of survey company websites that look like they were built in 1997), and members are paid in cash via Paypal.  Oh, and Survey Junkie also has an 8.9/10 rating on TrustPilot — the highest of any online survey company.  Click here to start earning money with Survey Junkie.

Swagbucks – Swagbucks makes surveys fun by having you watch videos, answer questions, play games, and use their search engine. Click here to get a $5 signup bonus with Swagbucks.

Nielsen – Yep, it’s that company that tracks TV ratings, and they want to hear from you! After installing the Nielsen app on either your phone or PC, the app monitors things like the terms you use to find sites, what time of day you use them, and even how long you browse.

2. Blog your way to a bonus

Do you have opinions you simply need to share? Well, you’re in luck!

Surveys aren’t the only way to make money with what’s rattling around upstairs.

Blogging gives you an opportunity to vent, to inform, and if you’re smart enough – and with a little help – make some extra cash in the process.

Don’t worry, you don’t have to be the next George R. R. Martin to run your own blog. You just need to have something to say, and the words to say it with. It just so happens, both of those are free.

Free blogging platforms like WordPress and Squarespace are as good a place as any to get started.

3. Write an e-Book!

The digital revolution has arrived, and with it the ability to self-publish your own book.

Sure, we all lament the loss of the physical book, but Amazon’s Kindle book store makes it easy for just about anyone to publish their very own e-Book. Whether it’s a work of fiction, nonfiction, or science fiction. Maybe even just a helpful guide on a topic you’re familiar with?

With Amazon’s Direct Publishing platform, you no longer need a publisher. Simply get yourself up to speed on the process, write something unique on an interesting topic, throw an enticing cover on the front and hit Publish.

With the power of one of the world’s largest online retailers behind you, there’s no reason why you can’t succeed!

4. Drive for Lyft or Uber

Uber and Lyft have revolutionized the transport industry. Taxis? Those are so last decade. Ride-sharing is the new face of transport, and it’s showing no signs of slowing down.

If you have a car and some spare time, then these services give you the flexibility to earn some extra cash when and where you want.

With ride-sharing services also expanding into food delivery with the likes of Deliveroo and Uber Eats, there’s no shortage of opportunities. They’re always looking for more drivers.

If you don’t feel up to driving but still have a car doing a whole lot of nothing in the driveway, then consider renting it out via Turo or GetAround. Less work, same reward!

5. Get paid for surfing the world wide web

You already browse the web, right? So why not get paid to do so! In fact, this is one of the easiest ways to make a dime online.

Simply install the Qmee browser add-on, and you’re set!

When you search online, you’ll notice the odd sponsored result featured alongside regular search results. Each of these will offer a cash reward that you simply have to click to collect.

Told you it was easy!

6. Get paid to shop

Similar to Checkout 51, Ibotta pays you for going shopping and not just on weekends.

No, really, it does!

The app presents you with a list of offers currently available on a wide range of products, from food to drinks all the way through to cleaning products. Here’s how it works:

  1. Look for a product you were planning on buying, and click on it.
  2. Earn extra money back by completing the extra tasks attached to the item, like taking a poll or sharing the item on Facebook.
  3. Select a participating store that you’re buying the item from.
  4. Upload a picture of your receipt.
  5. That’s it! Simply sit back and wait for the cash to show up in your PayPal.

7. Work from home by…renting your home with Airbnb

Like Uber did for Taxis before it, Airbnb is fast revolutionizing the holiday and travel accommodation industry, and you’re set to profit from it!

If you’ve traveled recently, chances are you’ve rented a place to stay via Airbnb, or at the very least give it a look. An online marketplace for people with space, rooms, or even entire houses to spare, Airbnb lets you list your place for rent just like a hotel or motel.

Maybe you’re traveling overseas yourself and want to make the most of your empty place while you’re away? Perhaps you have a spare room that currently houses nothing more than empty boxes? With AirBNB you can turn to fill that empty space in your home, and fill that empty spot in your wallet with more than a little spare change.

Alternatives like VRBO, HomeAway, and HomeStay are also worth a look.

8. Transform a Fiverr into a Fiver

If you’ve got the skills, then Fiverr can help you pay the bills and can be your part-time weekend job that pays well.

Fiverr is one of the world’s largest online skills marketplaces, featuring adverts from people the world over in need of a very particular set of skills. If you have those skills – in things as diverse as graphics and logo design through to writing and translating – then there’s a job on Fiverr for you. The best is that they pay you in PayPal, with no threshold, which you can turn into cash quickly.

9. Drop (ship it) like it’s hot

Looking for a lucrative online part-time job? Dropshipping can be the answer.

Chances are you’ve heard of Dropshipping before: the retail method where you sell products from other businesses without ever having to hold on to stock. You simply purchase the item from the retailer once you’ve made a sale, and ship it directly to your customer.

It’s an easy way to run an online store without any of the hassle!

No stock to manage. No shipping to take care of. You just sell the products and rake in the profit.

With the likes of Shopify and Oberlo, there’s never been an easier – or better – time to take up drop shipping.

Simply set up your online storefront with Shopify, and then use Oberlo to quickly and easily import the products you want to sell into your store. No hassle. No fuss. It couldn’t be easier! Legitimate Ways to Make Money from Home

10. Become an affiliate marketer

Affiliate marketing isn’t unlike drop shipping. But where the latter has customers buying items through your storefront, the former simply redirects people to online stores like Amazon via your own link.

If they buy something by following your personal link? Then you earn a cut of the sale.

That’s how affiliate marketing works.

You don’t need a website from the likes of WordPress or SquareSpace, either. You can sign up as an affiliate and share that link via social media sites like Facebook or Twitter, too.

The more people that see your link, the more likely you are to land a sale.

Interested? Sign up to the MaxBounty network, or join some of your favorite online retailers like Amazon or Green Man Gaming as an affiliate. In fact, check most every site you usually buy from online: chances are they’ll have an affiliate program that you could become a part of.

11. Go coupon crazy with Rakuten

You’ve probably used coupons before.

But Rakuten? It’s like coupons turned all the way up to 11.

In fact, even just visiting the website and signing up for a free account can net you a $10 Walmart Gift Card!

From there, you’re free to browse and buy from the hundreds of products, stores, and businesses on offer. Dell? Macy’s? Best Buy? From electronics to food, there’s offers galore, each of them offering discounts and cashback on purchases you make.

12. Become a stay-at-home salesperson

Like a door-to-door salesperson only with far less leg-work, hosting sales “parties” at your home on behalf of the likes of Avon and Pampered Chef is a great way to meet new people and make some money.

13. Earn income by watching videos

This one might just be the toughest in the list…

…who are we kidding, all you need to do is watch some short videos.

Given how easy it is to lose yourself in a never-ending cycle of YouTube videos, this one couldn’t be easier.

The catch here? The videos include ads.

While they may annoy you while browsing YouTube, you also don’t get paid to watch them. At InboxDollars, you do. Who wouldn’t watch an ad or two if they were getting paid?

14. Pave paradise to put up a parking lot

Many houses, rentals, or other accommodations include a garage, driveway, or some form of a parking space. If you’re not making use of it at the moment, chances are there’s someone who could.

Better still, they’ll pay you for the privilege.

Just Park lets you ‘let’ your parking space to busy people who are tired of paying through the nose for daily parking. The busier your area, the more you’re likely to make.

15. Sit!

It’s more than a command shouted at a disobedient dog or what we spend most of our days doing in front of a screen (guilty). In fact, it’s also a job that could net you some serious moolah.

All you have to do is sit!

Ok, so there’s a little more to it than that, but babysitting, dog sitting, or any other kind of -sitting is an easy way to make some quick cash from the comfort of your (or someone else’s) home.

If you’re feeling super adventurous? You could also expand into dog walking. Goodness knows people have more money than sense when it comes to their pets! Legitimate Ways to Make Money from Home

Interested? Rover, Tailster, or FindaBabySitter.com a look.

Note: If you’re planning to look after kids, you’ll need a CRB (Criminal Records Bureau) check or similar.

16. Embrace the freelance lifestyle

Can you write a mean article? Work some website magic? Kill it on social media like a sorcerer? Then the life of a freelancer might just be for you!

In today’s side-gig economy, the demand for smaller, focused, niche tasks and in turn skillsets is growing.

This is where you come in: you can use sites like PeoplePerHour, Freelancer, and UpWork to create an online profile, complete with a list of your skills and a CV. From there, you can advertise your skills for hire or apply for jobs. Legitimate Ways to Make Money from Home

If a company or business deems your skills worthy, you’ll get the job!

Better still, freelancing means you can work for anyone, from anywhere. With the power of the web at your fingertips, you can work for clients from the US to the UK all the way to NZ!

Fulfilling and flexible, freelance work is a great way to fill your spare hours and your bank account.

17. Become a YouTube sensation

Print is far from dead, but to say the video is on the rise would be an understatement! I recently learned about how much Youtubers make and were really surprised.

While becoming an overnight sensation may be a *little* out of your reach, YouTube’s Partner Program now lets you make a profit from videos you make and upload depending on the number of views they receive.

So get that camera out and start shooting. Be original, find a unique angle, and make videos that people want to watch and the views – and funds – will follow.

18. Get paid for being an armchair politician

Do you have politics on your mind?

Let’s be honest, it’s hard not to!

If you’re feeling in the need to stand up and take action, and earn a few dollars as you do, then consider Next Wave Advocacy, LLC. Sites like this aim to raise awareness and push for law reform, and they pay people like you to call up constituents and press them to open up a dialogue with members of Congress. Legitimate Ways to Make Money from Home

19. It’s couponing, but not as you know it

Whether you’re trying to save money or make it, you’re probably sick to death of hearing about coupons.

But wait, there’s more!

It turns out there’s more to couponing than saving money on your purchases. Did you know there are sites like CouponChief out there that will pay you to find the best coupons?

Simply share your best coupons with the community, and the more people that use them, the more you’ll earn! You can also get paid to coupon and go grocery shopping with the iBotta app.

20. Become an at-home customer service rep

We know outsourcing is all the rage these days, which is why businesses are eager to get you involved in their customer service operation.

Outsourcing companies like Alpine Access and Working Solutions both specialize in this field, offering work to part-time or, better still, home-based workers.

Oh hey, that’s you!

21. Review software in your spare time

If you get the ins and outs of software and software development, then this opportunity may interest you.

The guys over at SoftwareJudge need you!

In exchange for your diligent, well-written review of their software, they’ll reward you with cold hard cash. The more reviews you write, and the more trusted you are? The more reviews you’ll land, and the more money you’ll make. Legitimate Ways to Make Money from Home

22. Don’t let your Tweets go ‘cheep’

Do you pride yourself on your social media following? Have a bunch of followers that groan at your puns and memes?

Well, you’re in luck. PaidPerTweet is here, and they’re offering to pay you to tweet messages from their group of advertisers. How much you earn depends on various metrics like how many followers you have and the tweet’s reach.

The more followers you have, the more you’ll earn.

23. Objection! Become a mock juror

Lawyers and legal representatives often use online mock trials to test out their case, work through the process, and gauge the reaction of an actual jury before they do it for real. Think of it like a wedding rehearsal dinner, only the people in suits here are far less likely to end up drunk by the end of the night…

Anyways, these mock trials need mock jurors, which is where you come in. If you’re interested in sitting in virtual court and earning a bit as you do, simply sign up at eJury.com.

24. Turn your clicks into cash

Sites like Amazon’s Mechanical Turk and Clickworker take mindless clicking and incentivize it with, you guessed it, cold hard cash.

These sites work like any other crowd-sourcing site, only instead of raising funds they ask you to take up jobs from businesses in need of a whole lot of people to complete a task, and quick!

Sure, the tasks aren’t all that glamorous. But if you’re happy to enter some data, fill in a few forms, or carry out web searches, there’s good money to be made for the work you do.

25. Tell the musicians what you *really* think

Money, money, money…must be funny…or sad, or serious, or just plain bad.

ABBA puns aside, if you enjoy talking about music as you do listening to it, then there’s a place out there that’s willing to pay you for them.

SliceThePie is the name and paying you to review unsigned bands or live acts is their game. The more reviews you leave, the higher your reputation will grow, and the more money you’ll stand to make. You’ll have more than $20 in your pocket in no time.

26. Claim anything and everything on your tax

There are still two certainties in life:

Death, and taxes. Legitimate Ways to Make Money from Home

While we can’t do much about the former, we can do something about the latter.

Whether you work part-time or full-time, chances are you’re paying more than you need to in tax. There’s also more you could be claiming on your tax return to bring your total down and save – and make! – you money.

If you’re a writer, for example, then writing supplies, laptops, and even subscriptions to word-editing programs can be fully or partially claimed. If you’re a student or a business and you’ve taken out a secured or unsecured personal loan recently, then there are deductions to be made here, too.

While you’re at it, check Unclaimed.org and see if you’re owed a refund for overpaid taxes from jobs you’ve worked in the past.

27. A picture is worth 1,000 words…and more than a few dollars

Do you have an eye for the perfect shot?

Receive a bunch of compliments on the photos you take?

You could turn those niceties into nice new dollar bills in your back pocket.

Sites like iStockphoto and Shutterstock let you upload your own shots to their online marketplace, and earn money every time they’re sold to a customer. If you’re looking for more options, Foap and Fotolia are also worth a look.

If you want to make the most money you can, find the lucrative photo subjects that have high demand but low supply.

Whoever said you couldn’t have a Saturday job by working in the arts?!

28. Say goodbye to Google and hell to your new buddy, Bing Legitimate Ways to Make Money from Home

The self-proclaimed king of the internet, Google, can now be found on almost every device whether it’s a PC or a phone. This is why Microsoft is now offering you the big bucks – relatively speaking – to use their own search engine: Bing.

How does it work? Simply ditch Google, sign up to BingRewards, and earn as much as $5-$10 every month as you search which can then be cashed in for gift cards for big sites like Amazon.

29. Have you tried turning it off and on again?

Are you the tech expert in the family? People always bugging you to help them ‘Fix their computer’ or ‘Check their emails’? With Experts Exchange, you can finally get paid for all that unpaid labor you’ve been providing over the years!

Covering anything from software to hardware, you simply help resolve users’ technical issues and get paid in the process.

30. Siri! How do I become a virtual assistant?

If you have the skills to search the web and communicate well, then you’ve got the ability to pay the bills.

How so? Legitimate Ways to Make Money from Home

By becoming a virtual assistant.

Time-poor business owners or companies just don’t have the time to complete those daily tasks that keep their heads above water. So that’s where you come in!

Sites like Zirtual and Fancy Hands are looking for people like you to fill the role of virtual assistant for people like this, helping users complete tasks like making calls, scheduling appointments, and finding the best prices on a given product. In return, you get paid for each completed task.

31. Turn your hobby into a moneymaker

Some of us couldn’t draw a stick figure to save their lives (guilty as charged!), but if you can wield a pen, paintbrush, or knitting needle like a weapon then chances are you could turn your hobbies into a real part-time weekend job.

This is nothing new. Arts and crafts have always found a place at local markets. Only now you have access to not just your local community, but the entire world!

This process couldn’t be easier. Just sign up to sites like Etsy, RedBubble, or DeviantArt, create your own online storefront, and start listing your creations.

From here? Get the word out there via Twitter, Facebook, and other niche communities that might be interested in what you make, and start getting paid for the time you probably already put into a hobby that you love.

32. Tell website owners what you really think

According to research, users judge a website in just 50 milliseconds!

This means there’s a lot of pressure on business owners and web designers to get it right, first time.

And that’s where you come in!

You’re bound to have passed a judgemental eye over a website or two in your time online. Who hasn’t? “Eeww, why did they pick that colour?’ or a ‘Huh, this menu doesn’t work at all’. Now sites like UserTesting want to pay you for it part-time on the weekends.

The process is simple. You just sign up, complete a test review, and when you receive a new website in your inbox you pass over it with that same critical eye and then eye up your PayPal account for your payment.

33. Write articles

Writing is one of the easiest ways to make money online from the comfort of your own home and do it part-time too!

You won’t even need to change out of your PJ’s for this one!

Heck, you don’t even need to be a published author or experienced journalist. As long as you can write clearly and concisely, then there’ll be a writing gig for you.

But what should you be writing about? And who will pay for you? Good questions. Give these sites a look:

Have No Job Experience?

It has been said the most valuable commodity when trying to get a job is information. However, it has also been said there is no supplement for the experience. From the time we’re toddlers to our last dying breath, the majority of our lives are structured around the acquisition of knowledge. A lot of our efforts and value are applied for the exercise of overcoming our ignorance and acquiring a skill set that will bring us prestige and fortune in the future. Ultimately, it is not the sum of the knowledge obtained that makes a person skilled. It’s the context in which the learning takes place.

You can gain knowledge and relevant skills before completing your degree program. Showing potential employers that you have already taken a few classes and/or attended a couple of webinars or workshops proves that you take initiative and are dedicated to learning. These are two things that are often sought by employers—even if the job description doesn’t list them. Initiative and willingness to learn are two qualities to highlight because they position you as a professional who will work hard to develop the skills you need for the job.

When reviewing candidates, the majority of employers base their choices off of quality, not quantity. Consequently, during the application and interview processes, it’s important to highlight the qualities that set you apart. Common qualities that employers look for in candidates include superior communication skills, leadership ability, motivation, a willingness to learn, and problem-solving skills.

The Bottom Line

There was a time when temporary positions weren’t held in the highest regard. However, as the workplace has evolved, an increasing number of employers have begun to utilize temporary staffing strategies. Today, internships and temporary assignments give professionals the opportunity to gain experience and skills in a relatively short amount of time. More importantly, they both provide not only work experience, but field-specific experience and learning. Both types of positions are just another way of showing that you are committed to building your skillset and gaining more industry-specific exposure.

Enjoyed these legitimate no experience jobs? Leave a comment below!

How To Write a Powerful Resume (or CV) in 13 Easy Steps

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powerful resume

A powerful resume is like a short story that grabs the reader and keeps him or her engaged. Learn how to write your power resume with these 13 easy steps.

Your resume is the best marketing tool that you can use to shape your career. You cannot exhibit your capabilities directly and this is where you need to paint yourself differently and accurately in a resume that will define your abilities very precisely matching up to the reality.

This article presents 13 sure-fire tips that have benefited hundreds (college students, clients, colleagues, family, and friends) regardless of the career field or level.

They’re certain to help you to create a powerful resume in 13 easy steps.

1. Prepare a brief profile.

Start strong with a brief profile, not an objective. Listing an objective is a thing of the past. What should your profile contain? Two or three short snappy phrases that summarize your experience, skills, and personality traits. Regarding the latter, avoid writing a laundry list.

So, what three words best describe you? Your dominant personality traits surface in your professional and personal life. In other words, wherever you go you’re there.

2.  Don’t sound like your job description.

Do not turn your resume into a document that reads like a boring job description. Instead, discuss accomplishments. How did you make a difference? What skills or unique abilities were utilized to make things better. Pick one or two accomplishments from your current position. Provide a brief summary.

3. Select the right format.

All in all, two types of resume formats exist- chronological and functional. While the former begins with your most current position and works backward, the latter builds the resume around your dominant skills.

4. Include special training/professional development.

For more than a few years, I advised a friend to include a professional development section on her resume. Why? Employers like to see what you’ve been doing since graduating from college. As a result of working in the corporate arena, she racked up a lot of training. Well, to make a long story short, it made her stand out and receive even better offers.

5. List education and credentials last.

You are not selling your education; degrees are a dime a dozen. You are promoting your unique skills that help potential employers solve problems. Hence, list your credentials last, not first.

6. Determine the appropriate length.

A recent college graduate, high school student, or person entering the workforce for the first time will not have as nearly much to say as someone more experienced.

7. Omit references.

Create a special file for references. By the way, your references should be people who know you in a professional capacity. And, make sure each person has good written and verbal communication skills.

8. Create a tagline.

Imagine this. You work in human resources as a recruiter. Every day you receive tons of resumes when you open your email; no one stands out because the subject lines say things like Resume or the resume of. Be creative! Use a tagline. When you save the document, use the tagline, not your name.

9. Always send a cover letter.

The letter should state what you’re applying for, how you can contribute, and most important, it should refer the reader to the resume. Cut and paste or copy the letter into the body of your email.

10. Use present tense.

Instead of writing in the past tense, use the present when you’re describing your current role. It adds punch and lets a potential employer know that you still make a positive impact.

11. Be creative.

Why not include a testimonial? Select a comment or two from a performance review. Or use a new template?

12. Develop a resume website.

If you really want to stand out, develop a professional resume website. It’s free and a template is provided.

13. Delete These Useless Words From Your Resume:

  • Successful / Accomplished (do not add adjectives to try to boost your status, instead show that you have been successful through the text written on your résumé)
  • Guru / Ninja / Rock Star (informal and not helpful for keyword purposes)
  • Seasoned (makes one sound old)
  • Honest (this is obvious and does not need to be stated)
  • Results-driven / Results-oriented (explain your specific results under each job position, instead of simply writing results-driven)
  • Driven / Motivated / Passionate / Focused / Hardworking (this is obvious and does not need to be stated)
  • Goal-oriented (give concrete examples using goal numbers to show that you achieved or exceeded your yearly/monthly/weekly goals)
  • Significantly (include concrete numbers or strong text to show the reader your significant results)
  • Go-to person (clearly explain your level of responsibility)
  • Team Player (it is understood that you know how to work with people)
  • Responsible for / Duties include (use more exciting action verbs to explain your responsibilities and duties; Google resume action verbs to find lists of appropriate verbs, and make sure that every bullet under each job description starts with a verb)
  • Familiar (does not convey that you are good at whatever follows)
  • Stay-At-Home Parent (potential employers should not know about your children as it is not relevant to your career)
  • Resume (do not write Resume at the top of your document)
  • Objective (do not write Objective at the top of your document, instead use a career summary section and label it with your current job title)
  • References (do not write References Available Upon Request at the bottom of your document)
  • First-person or Third-person Language (do not use first-person or third-person language, instead use formal resume language to look professional)

Finalize Your Power Resume

Make sure that you carefully proofread your resume to ensure that every word is powerful, specific, and needed. Once you believe everything is perfect, have at least 3 other people read through it to verify that there are no mistakes or unnecessary words.

How to Make 15 Dollars Fast in 5 Minutes

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how to make 15 dollars fast

Need to make extra cash? No matter what your reason is for needing to make 15 dollars fast, don’t worry. Here are legit ways to make $15 cash fast.

Today I’m going to show you some new strategies to make some extra money fast simply by clicking a few buttons on your cell phone.

(In under 5 minutes)

The best part?

A lot of these require no effort at all.

I get it. Life happens.

Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want. You don’t want to fall behind on bills and are wondering how to make money today or what apps pay you real money? Sure, another 15 dollars earned today wouldn’t hurt.

We’ve all been there, but what do you usually do when that happens?

This is an exhaustive list of things that anyone can do, today, in order to make money through the best mobile applications I’ve found.

If you’re strapped for time, I’ll go ahead and share the best apps that pay that you can add to your side hustle arsenal.

How to Make 15 Dollars Fast

Ready? I’ll only list legit ways that I’ve personally used to make money, and make it fast. We will first start with the quick wins, companies that’ll (legit) pay you money just for signing up:

Need Easy Extra $15 Fast Right Now?

Next, we’ll move on to other ways to earn with your mobile phone.

1. Make $15 Fast with Survey Junkie

Taking online surveys to make that extra money is a no-brainer!

You definitely won’t get rich or make thousands of dollars per day with surveys alone, but you won’t waste much time, and you can make some money the easy way. Here is my favorite (and highest paying) survey site:

survey junkie

Survey Junkie pays between $2 and $50 per survey, and many of them take less than 5 minutes to complete. So if you took on average 10 surveys per day, every day for a month, you could make $375+ per month. If you took more surveys a day — the possibilities are endless.

There are a lot of scammy survey sites out there, but Survey Junkie has over 11,000 positive reviews on TrustPilot, the highest of any survey site. It’s legitimate.

survey junkie trust pilotSounds like fun? Sign-up for Survey Junkie, take surveys and earn money from your phone fast. You can also get a registration bonus through here.

GET STARTED>>

Download: iOS | Android | Browser

2. Make $15 Fast Playing Games with Mistplay

make money fast

We all heard the old saying “Time is money” right?

Instead of playing games on your phone like everyone else and feeling bad for wasting your time — now you can get paid for it.

Getting paid for playing games sounds like a dream. But if you download a free new app, and then download games from it and play, you earn money.

As you level up you can earn more money for cash rewards or gift cards.

This is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games. I use it and it is legit and has over 35,404 positive reviews in the Google Play store.

If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

3. Get Money Fast with ZippyLoan

zippyloanIf you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go.

You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get.

You can borrow between $100 and $15,000 as soon as tomorrow.

Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

GET STARTED >>

Download: iOS | Android | Browser

4. Invest in Real Estate with Fundrise

fundrise

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.

Through their real estate investment products, investors earned an average of 8.7 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

There is a reason why they currently have 5/5 stars on TrustPilot, you can really make money with Fundrise.

fundrise trustpilot

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

5. Make $50 Fast for Downloading Nielsen App

nielsen company

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make a quick $50 too.

Just by downloading an app, you can collect $50 per device and earn rewards. They just track your app usage and that’s it.

You don’t have to do anything other than initially registering your computer or phone.

Nielsen: This company will pay you $50 a year to keep their app on your favorite internet browsing device and they also give away $10,000 each month. So you can possibly make more than $50. Sign up through here for a registration bonus.

GET STARTED >>

Download: iOS | Android | Browser

6. Make Over $15 Fast with Solitaire Cube

solitaire cube Solitaire Cube is an addicting game where you can play Solitaire on your phone and compete in cash tournaments.

Solitaire Cube includes tournaments and head-to-head competitions with real cash prizes (where available).

It’s available on the Apple Store only, sorry Android users.

It’s pretty easy to get started and the game will match you up with other players who have the same level of skills in real-time.

Cash outs are through PayPal and I had no issues withdrawing or depositing money.

How to play? Stack cards into piles to sort them by their suit. Sound easy? It is!

GET STARTED>>

Download: iPhone | Android |  More »

7. Make $10 Fast with Rakuten

You’d be silly not to get cash-back for items you would have bought anyway. You can do this by shopping online with Rakuten.

Every time I shop online, I start at Rakuten and then I get cash back deposited into my PayPal account.

Hello, free money app!

make money

Rakuten is my favorite way to make money when I shop online and right now they are offering a $10 sign up bonus through this link. You can save money with over 2,000 stores. When you use Rakuten to shop, you get cash back.

Click here to sign up for Rakuten and get $10 to start.

GET STARTED >>

Download: iOS | Android | Browser

8. Get $15 Fast with Blackout Blitz

blackout blitz

Blackout Blitz (iOS) is a brand new bingo-style game where you can win real cash prizes by playing bingo.

I’ve won over $1,000 playing just the Bingo game alone. But I do play some of the other matches that are labeled “brackets” and in those, you can win a higher dollar amount.

They also have special events where you can win prizes and larger sums of money and yes, they do deliver on paying you out if you do win whatever prize that is up for grabs.

All in all, I really like this game and spend a good amount of time on their other games too because they’re all pretty fun and super addicting!

If you don’t like to gamble then don’t gamble and only play the free portion and if you do wish to gamble at a later time then you can.

Click here to try out Blackout Blitz (Apple App Store)

GET STARTED >>

Download: iOS | Android | Browser

9. Get a Free Stock with Robinhood

robinhood

Are you ready to say goodbye to fees for when you buy and sell stocks and hello to commission-free trades?

That’s right, Robinhood lets you do everything for free and takes no fees — ever.

Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link.

They are also offering a free stock promotion and you don’t even have to deposit any money to receive the stock.

Just sign up and wait a few days for it to show up in your app. You can also cash out immediately and transfer the funds to your bank account — if you wanted to.

If you wanted to learn you can sign up for information from Robinhood through here.

GET STARTED >>

Download: iOS | Android | Browser

10. Earn $15 Fast with Swagbucks Search

Swagbucks offers you the opportunity to earn cash for just searching the web.

Earn cash for searching for cute puppy pics?

Sounds too good to be true, but you read it right. Just switch from using Google or Bing to Swagbuck’s search engine and you’ll expect to earn up to $50 per month for active use. swagbucks Plus, you can get a $10 sign up bonus through this link.

GET STARTED >>

Download: iOS | Android | Browser

11. Get $15 Fast with Lucktastic

lucktastic

If you love the feeling of buying lotto tickets or scratch-offs and dreaming about the money ???? you stand to win — then you would seriously enjoy playing Lucktastic (download for Android only).

This free app offers the same daily scratch-off cards that you find at your local convenience store — but here you can play for free and win real money.

I was hesitant at first but this gaming app has over 327,695+ positive reviews in the Google Play store.

You can win up to $10,000 in card cash prizes and there are daily $500 Amazon gift card giveaways. The threshold for payout is only $2 and you can get daily opportunities to win big when you download the Lucktastic app for free.

GET STARTED >>

Download: iOS | Android | Browser

12. Get $15 Fast with Stash

stash

Join 4+ million people on Stash and you can buy fractional shares of stocks such as Amazon or Google.

This way, you can afford these expensive stocks and start earning real money in the stock market.

Plus, you can also get your paycheck up to 2 days early and stop paying ridiculous fees.

You can download this app here in the Apple store.

GET STARTED >>

Download: iOS | Android | Browser

13. Make $15 Fast with Fetch Rewards

fetch rewards

Yup, it’s true!  There are several companies out there that will give you free money just for signing up.

Fetch Rewards is a mobile rewards app that pays you for shopping (from any store).

This is a great way to make money, the easy way, and can add up to a large wad of cash with time.

Here are the steps:

  1. Click here to download Fetch and use referral code C1JAV to get your $2 referral bonus!
  2. Scan any receipt from any stores that you use daily.
  3. Get cash (via PayPal).

Enjoy your free money!

And there is no minimum amount you need to withdraw to your PayPal account either.

Click here to use your $2 Fetch Referral Code!

GET STARTED >>

Download: iOS | Android | Browser

14. Cash Signup Bonuses

cash sign up bonus

Cash in on the following signup bonuses available through us and you will be on your way to making an extra $100:

  1. Swagbucks: $10 welcome bonus! Swagbucks is a legit rewards site with lots of different ways available to earn money. You can take surveys, play games, watch fun videos, and search the internet.
  2. Ibotta: $20 welcome bonus! Ibotta pays you real money on your everyday purchases. Download the free app to receive offers and earn real cash back in stores and online.
  3. Rakuten (formerly Ebates): $10 welcome bonus! Rakuten is where you can get cash back for shopping at over 2,500 stores.
  4. MyPoints: $10 welcome bonus! MyPoints offers a daily rewards program and is another cashback website that works similarly to Rakuten.
  5. InboxDollars: $5 welcome bonus! Earn dollars for small tasks such as taking surveys, watching videos, and playing addicting games.

Signup bonuses offer a great way to kick start your earnings with quick cash rewards.

Best Money Making Survey Sites

I sat down and studied all of the best survey apps to find out for myself which ones are legit (and high paying), and which ones are not.

If you wanted to compare some more, here is the list of the best money making surveys:

15. Make $15 Fast with Survey Junkie

survey junkie

Survey Junkie’s interface is super smooth and intuitive (unlike the majority of survey company websites that look like they were built in 1997), and members are paid in cash via Paypal.

Oh, and Survey Junkie also has an 8.9/10 rating on TrustPilot — the highest of any online survey company.

This is one is the more reputable survey companies out there and millions of users have already joined.

  • Where it’s available: United States, Canada, and Australia
  • Age requirements: 13+ years old
  • Average earnings: $0.50 – $3 per survey
  • Payment method: PayPal cash in all countries, or gift cards and direct bank transfers in the United States
  • Minimum to cash out: $10
  • Where to sign up: Survey Junkie Official Site

GET STARTED >>

16. Make $10 Now with Swagbucks

swagbucks

Swagbucks lets you earn money in so many ways like taking surveys, shopping online, or playing games, but many people love racking up money by watching videos in their spare time.

You can cash out your ‘Swagbucks’ as gift cards to hundreds of merchants or get your cash by PayPal (legit cash to your bank account). Many claim this to be one of the best reward sites in 2020 and they are currently offering a $10 sign up bonus.

  • Where it’s available: Most of the Americas, Asia and Europe, and some areas in Africa.
  • Age requirements: 13+ years old
  • Average earnings: $0.40 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: $3 in gift cards or $25 in PayPal cash
  • Where to sign up: Swagbucks Official Site

GET STARTED >>

17. Make $5 Fast Now with InboxDollars

inboxdollars

InboxDollars pays members to read emails, take surveys online, playing games, and search the web!

Overall, Inbox Dollars is super easy to navigate. I’ve tried other paid survey sites and just end up overwhelmed.

They also do a nice job of breaking down the offers into categories.

And you’ll always see the amount of money you’ve earned at the top of your window, which is exhilarating.

Right now they are offering a $5 cash bonus just for joining.

  • Where it’s available: United States
  • Age requirements: 18+ years old
  • Average earnings: $0.50 – $5.00 per survey and up to $10 and $20 or more for people in certain demographics
  • Payment method: Gift cards, prepaid Visa card, or a check in the mail
  • Minimum to cash out: $30
  • Where to sign up: InboxDollars Official Site

GET STARTED >>

20. Get $1 Fast Now with Vindale Research

vindaleGet paid to take online paid surveys with Vindale Research.

Here, you’ll take surveys for money about products created by some of the world’s most famous companies – including Disney, Volkswagon, Amazon, Nike, Samsung, and more.

For each survey you complete, you’ll earn money.

They pay you straight cash. You don’t have to convert your points into cash, you can see your earnings on the dashboard.

Payout is through Paypal or check.

To get started, simply create your free account. It only takes a couple of minutes, and you’ll receive a nifty $1 signup bonus when you do.

  • Where it’s available: United States, Canada, United Kingdom, and Australia
  • Age requirements: 18+ years old
  • Average earnings: $0.50 – $2.00 per survey
  • Payment method: PayPal or a check in the mail
  • Minimum to cash out: $50
  • Where to sign up: Vindale Official Site

GET STARTED >>

21. Get $5 Now with MyPoints

mypoints

MyPoints rewards its members for online activities such as reading emails, playing games, online surveys, printing out coupons, and more.

They pay their members using their own currency known as “Points”.

These points can be redeemed for online gift cards, cash via Paypal, and travel miles, etc. The minimum payout amount for most rewards is $10; however, PayPal payments start at $25.

Redemption times for your awards vary. When you redeem your points for cash via Paypal, the request is usually processed within 4-5 days. For other prizes, the wait time varies.

  • Where it’s available: Most of the Americas, Asia and Europe, and some areas in Africa.
  • Age requirements: 13+ years old
  • Average earnings: $0.40 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: $3 in gift cards or $25 in PayPal cash
  • Where to sign up: MyPoints Official Site

GET STARTED >>

22. Get $15 Now with Survey Voices

survey voices

Survey Voices is one of the easiest survey sites to sign up for, they just need your email.

Once you’re in you can take surveys and get paid $100-$300 per week.

Sign up using this link for the highest paying surveys.

All you need to do is instantly qualify, then view exclusive offers in exchange for your opinions and get access to paid surveys, clinical trial opportunities, and part-time work offers.

Who doesn’t want to make $300 a week?

Survey Voices is looking for people to tell major brands what you think about their products and services. And they PAY WELL.

  • Where it’s available: United States.
  • Age requirements: 13+ years old
  • Average earnings: $.50 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: The minimum threshold to request a payout is $30, and you’ll pay a $3 processing fee
  • Where to sign up: Survey Voices Official Site

GET STARTED >>

Make $15 Fast with Bonuses

Your next bet is to get some quick wins through freebies and sign up bonuses.

The three survey sites below are legitimate and you can join from your smartphone.

I’m not the biggest fan of survey sites, but it’s worth it just to claim a quick sign up bonus.

Once you’re in and a paid survey is ready for you to take, you’ll get a notification. Sign up for all 3 below (will open in new tabs) and you’ll get paid up to $50/per survey.

Quick Cash Bonuses

survey junkie

Welcome Bonus: Get 150 Registration Points here
Potential earnings per month:
Up to $200

What it could add up to in a year: $2,400 ????
Additional Referral Earnings: 10% of your referral’s earnings

GET ACCESS NOW


Download: iOS | Android | Browser

inboxdollarsBonus: Get a $5 sign up bonus here
Welcome Bonus: $5
Potential earnings per month: Up to $175
What it could add up to in a year: $2,100 ????
Additional Referral Earnings: 10% of your referral’s earnings

CLAIM $5 BONUS NOW

Download: iOS | Android | Browser

swagbucksBonus: Get a $10 sign up bonus here
Welcome Bonus: $10
Potential earnings per month: Up to $200
What it could add up to in a year: $2,400 ????
Additional Referral Earnings: 10% of your referral’s earnings

CLAIM $10 FREE NOW

Download: iOS | Android | Browser

How to Make 15 Dollars Fast in 5 Minutes

A ton of people are searching online for how to $15 fast in 5 minutes.

Well, look no further, because if you wanted more ways to make money online then these are literally the best free money making ideas that’ll help you earn fifteen dollars fast.

So consider scrolling back up and taking a second look.

Also, if you didn’t already claim your $15 in bonuses, don’t forget to check out the best sign up bonuses below:

Good luck with making $15 fast online!

How to Make 1 Dollar a Day Online (Seriously)

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how to make 1 dollar

Need to make extra cash? No matter what your reason is for needing to make 1 dollar fast, don’t worry. Here are 13 legit ways to make $1 cash fast.

Today I’m going to show you some new strategies to make some extra money fast simply by clicking a few buttons on your cell phone.

(In under 5 minutes)

The best part?

A lot of these require no effort at all.

I get it. Life happens.

Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want. You don’t want to fall behind on bills and are wondering how to make money today or what apps pay you real money? Sure, another 1 dollar earned today wouldn’t hurt.

We’ve all been there, but what do you usually do when that happens?

This is an exhaustive list of things that anyone can do, today, in order to make money through the best mobile applications I’ve found.

If you’re strapped for time, I’ll go ahead and share the best apps that pay that you can add to your side hustle arsenal.

How to Make 1 Dollar Fast

Ready? I’ll only list legit ways that I’ve personally used to make money, and make it fast. We will first start with the quick wins, companies that’ll (legit) pay you money just for signing up:

Need Easy Extra $1 Fast Right Now?

Next, we’ll move on to other ways to earn with your mobile phone.

1. Make $1 Fast with Survey Junkie

Taking online surveys to make that extra money is a no-brainer!

You definitely won’t get rich or make thousands of dollars per day with surveys alone, but you won’t waste much time, and you can make some money the easy way. Here is my favorite (and highest paying) survey site:

survey junkie

Survey Junkie pays between $2 and $50 per survey, and many of them take less than 5 minutes to complete. So if you took on average 10 surveys per day, every day for a month, you could make $375+ per month. If you took more surveys a day — the possibilities are endless.

There are a lot of scammy survey sites out there, but Survey Junkie has over 11,000 positive reviews on TrustPilot, the highest of any survey site. It’s legitimate.

survey junkie trust pilotSounds like fun? Sign-up for Survey Junkie, take surveys and earn money from your phone fast. You can also get a registration bonus through here.

GET STARTED>>

Download: iOS | Android | Browser

2. Make $1 Fast Playing Games with Mistplay

make money fast

We all heard the old saying “Time is money” right?

Instead of playing games on your phone like everyone else and feeling bad for wasting your time — now you can get paid for it.

Getting paid for playing games sounds like a dream. But if you download a free new app, and then download games from it and play, you earn money.

As you level up you can earn more money for cash rewards or gift cards.

This is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games. I use it and it is legit and has over 35,404 positive reviews in the Google Play store.

If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

3. Get Money Fast with ZippyLoan

zippyloanIf you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go.

You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get.

You can borrow between $100 and $1,000 as soon as tomorrow.

Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

GET STARTED >>

Download: iOS | Android | Browser

4. Make Money Fast with Fundrise

fundrise

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.

Through their real estate investment products, investors earned an average of 8.7 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

There is a reason why they currently have 5/5 stars on TrustPilot, you can really make money with Fundrise.

fundrise trustpilot

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

5. Make $50 Fast for Downloading Nielsen App

nielsen company

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make a quick $50 too.

Just by downloading an app, you can collect $50 per device and earn rewards. They just track your app usage and that’s it.

You don’t have to do anything other than initially registering your computer or phone.

Nielsen: This company will pay you $50 a year to keep their app on your favorite internet browsing device and they also give away $10,000 each month. So you can possibly make more than $50. Sign up through here for a registration bonus.

GET STARTED >>

Download: iOS | Android | Browser

6. Make Over $1 Fast with Solitaire Cube

solitaire cube Solitaire Cube is an addicting game where you can play Solitaire on your phone and compete in cash tournaments.

Solitaire Cube includes tournaments and head-to-head competitions with real cash prizes (where available).

It’s available on the Apple Store only, sorry Android users.

It’s pretty easy to get started and the game will match you up with other players who have the same level of skills in real-time.

Cash outs are through PayPal and I had no issues withdrawing or depositing money.

How to play? Stack cards into piles to sort them by their suit. Sound easy? It is!

GET STARTED>>

Download: iPhone | Android |  More »

7. Make $10 Fast with Rakuten

You’d be silly not to get cash-back for items you would have bought anyway. You can do this by shopping online with Rakuten.

Every time I shop online, I start at Rakuten and then I get cash back deposited into my PayPal account.

Hello, free money app!

make money

Rakuten is my favorite way to make money when I shop online and right now they are offering a $10 sign up bonus through this link. You can save money with over 2,000 stores. When you use Rakuten to shop, you get cash back.

Click here to sign up for Rakuten and get $10 to start.

GET STARTED >>

Download: iOS | Android | Browser

8. Get $1 Fast with Blackout Blitz

blackout blitz

Blackout Blitz (iOS) is a brand new bingo-style game where you can win real cash prizes by playing bingo.

I’ve won over $1,000 playing just the Bingo game alone. But I do play some of the other matches that are labeled “brackets” and in those, you can win a higher dollar amount.

They also have special events where you can win prizes and larger sums of money and yes, they do deliver on paying you out if you do win whatever prize that is up for grabs.

All in all, I really like this game and spend a good amount of time on their other games too because they’re all pretty fun and super addicting!

If you don’t like to gamble then don’t gamble and only play the free portion and if you do wish to gamble at a later time then you can.

Click here to try out Blackout Blitz (Apple App Store)

GET STARTED >>

Download: iOS | Android | Browser

9. Get a Free Stock with Robinhood

robinhood

Are you ready to say goodbye to fees for when you buy and sell stocks and hello to commission-free trades?

That’s right, Robinhood lets you do everything for free and takes no fees — ever.

Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link.

They are also offering a free stock promotion and you don’t even have to deposit any money to receive the stock.

Just sign up and wait a few days for it to show up in your app. You can also cash out immediately and transfer the funds to your bank account — if you wanted to.

If you wanted to learn you can sign up for information from Robinhood through here.

GET STARTED >>

Download: iOS | Android | Browser

10. Earn $1 Fast with Swagbucks Search

Swagbucks offers you the opportunity to earn cash for just searching the web.

Earn cash for searching for cute puppy pics?

Sounds too good to be true, but you read it right. Just switch from using Google or Bing to Swagbuck’s search engine and you’ll expect to earn up to $50 per month for active use. swagbucks Plus, you can get a $10 sign up bonus through this link.

GET STARTED >>

Download: iOS | Android | Browser

11. Get $1 Fast with Lucktastic

lucktastic

If you love the feeling of buying lotto tickets or scratch-offs and dreaming about the money ???? you stand to win — then you would seriously enjoy playing Lucktastic (download for Android only).

This free app offers the same daily scratch-off cards that you find at your local convenience store — but here you can play for free and win real money.

I was hesitant at first but this gaming app has over 327,695+ positive reviews in the Google Play store.

You can win up to $10,000 in card cash prizes and there are daily $500 Amazon gift card giveaways. The threshold for payout is only $2 and you can get daily opportunities to win big when you download the Lucktastic app for free.

GET STARTED >>

Download: iOS | Android | Browser

12. Get $1 Fast with Stash

stash

Join 4+ million people on Stash and you can buy fractional shares of stocks such as Amazon or Google.

This way, you can afford these expensive stocks and start earning real money in the stock market.

Plus, you can also get your paycheck up to 2 days early and stop paying ridiculous fees.

You can download this app here in the Apple store.

GET STARTED >>

Download: iOS | Android | Browser

13. Make $1 Fast with Fetch Rewards

fetch rewards

Yup, it’s true!  There are several companies out there that will give you free money just for signing up.

Fetch Rewards is a mobile rewards app that pays you for shopping (from any store).

This is a great way to make money, the easy way, and can add up to a large wad of cash with time.

Here are the steps:

  1. Click here to download Fetch and use referral code C1JAV to get your $2 referral bonus!
  2. Scan any receipt from any stores that you use daily.
  3. Get cash (via PayPal).

Enjoy your free money!

And there is no minimum amount you need to withdraw to your PayPal account either.

Click here to use your $2 Fetch Referral Code!

GET STARTED >>

Download: iOS | Android | Browser

The Bottom Line

Learning how to make a quick $1 doesn’t have to be difficult. We’ve made it easy for you by listing 13 legitimate ways for you to learn how to make 1 dollar fast today.

So what’s stopping you from earning that quick cash?

Good luck!

6 Financial Goals for the Wise Millennial

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financial goals

Looking to manage your money smarter? Here are six important financial goals to help you resolve to be better in the new year.

The average millennial is described as drowning in debt, without much savings and as investing too conservatively. This does not paint a very promising picture for this generation. But a study by Schwab’s indicates that the financial standing of many millennials is not as grim.

For instance, about a third of millennials have a financial plan and a documented financial plan. This is in contrast to the two generations above them, the Gen Xers and Baby Boomers. In these generations, only 20% and 22% respectively have taken a similar step.

Similarly, it has been brought to light that millennials are more likely to have specific financial goals than their older counterparts. They are also more likely to seek the services of investment advisors and regularly rebalance their portfolios.

However, even in the face of these promising trends, this group of people is still dealing with a lot of debt, with 75% of them have some kind of debt or another. About ten percent of these people have debts in excess of $100,000. In fact, due to debt, some of them have had to put off buying a house and getting married. Here are some financial goals for the wise millennial:

1. Savings

While the study above showed that millennials are becoming saving junkies, it was also discovered that many of them are less likely to save for long-term financial goals than their older counterparts. Millennials have no problems saving for a vacation, but saving money for more lasting financial goals remains a challenge for many of them. Therefore, the wise millennial should try to make long-term saving more of a priority for better financial health.

2. Insurance

Young people don’t generally take life insurance seriously, although they should. The reason is that they are young and healthy, and it does not seem to make much sense to insure themselves. However, life insurance is very important. For instance, as a millennial with a family, the insurance can take care of your family’s financial needs in case you leave.

Besides, the longer you wait to get life insurance, the more premiums you will pay, and this can affect other financial plans you might have at the time. Also, choose a great life insurance company. Whippio has varied life insurance offers for all types of clients.

3. Investments

Most millennials don’t realize that they have one very valuable asset – time. Because they have a lot of time in their hands, they also have a great opportunity to invest and build a fortune that should serve them and their families in the future.

For instance, to create an empire worth millions of dollars by the age of 70, an 18-year-old would need to invest $71 a day in an investment plan with a return of at least 9% per year. A 38-year-old would need $448 to achieve the same financial goal under similar conditions. So, any smart millennial should start investing as early as possible to realize his/her great long-term financial goals.

4. Plan on Having a Home

A great way to secure your future is to have your own home. Unfortunately, this financial goal is not a priority for many millennials since they tend to focus more on short-term goals. Additionally, many of them have debts to worry about. However, if you are smart, you would start planning on owning a home as soon as possible. Homes turn into sources of wealth for many retirees.

5. An Emergency Fund

Due to their perfect health, and few financial obligations, young people don’t generally feel like they have to worry about emergencies. But this fund can be very important, even to a young person. With adequate emergency funds, for instance, you do not have to end up taking a bad paying job and getting stuck at it because you lacked any cash to get by as you seek a better paying opportunity.

6. Have a Side Gig

A smart millennial should work on having a side gig. Many people are starting to realize that after retirement, the idleness can be a bore. Therefore, having something of their own they can work on can make this part of their lives more fulfilling. Best of all, the side hustle can generate additional cash that they can use to meet other financial goals in life.

Conclusion

The wise millennial has to think of the future. Most of them don’t pay attention to this, and that is where the problem lies. Planning for the future is very important. Fortunately, above are 6 financial assets a millennial can use to safeguard their financial future and stabilize their present financial situation.

Here’s a Plan For Paying Off Your Student Loans

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paying student loans

Cap? Check. Gown? Check. Diploma? Check. Plan for paying off your student loans? Wait, what?

Student loans are an especially intimidating source of debt. When you embarked on your collegiate journey, your student loans represented something that was coming “someday” –– something you just did not need to worry about in the present moment.

But suddenly, that day has arrived, and you might be totally panicking, and for good reason. This generation has more student loan debt than any other before it, with national student debt totaling roughly 1.3 trillion dollars. That amount is enough to strike fear into the hearts of even the bravest post-graduates.

Below, check out our tips for dealing with student debt. Think of it as Student Loans 101.

Student Loans 101

Here is a list of ways to pay off your student loans.

Create an Action Plan

The first step to dealing with your student loans is to gather all the information and formulate a plan. Figure out when you need to start paying off your loans –– typically six months after you have graduated. If you do not already know, find out exactly how much you owe. Interest can accrue on student loans even while you are in school, so it is likely that this amount is greater than you remember it being. Interest rates on student loans tend to be fairly high, so this number will also affect how much you need to pay each month to make a dent. Luckily, your loan payback homepage can help you calculate how much you need to pay monthly over a 30 year period.

When you gather all the loan information, use your monthly income and any savings to figure out what you can afford to pay each month. Be sure to factor in your guaranteed monthly expenses, like groceries, rent, and utilities. And while it may seem lofty, you should also set aside a chunk each month to go to savings. You might think saving is a stretch when there are loans to pay off, but your 30 year-old self will thank you when they start thinking about purchasing a home. It might be helpful to set some financial goals to keep you motivated on your money saving journey.

Once you have every dollar accounted for, make a budget. This budget will be the cornerstone of your financial future. The hardest part? Sticking to it.

Stick to Your Budget

There is nothing more important than sticking to your budget. Hopefully, you have set aside a little money to have fun every month, but try your hardest not to exceed that amount. Look for budget options when grocery shopping, and keep eating out to a minimum. Especially if you just started a new job, you will see that your new income will accrue much faster if you keep spending to a minimum every month. Ultimately, the rewards of being frugal will benefit you more than those tempting impulse purchases.

While you may feel like self-inflicted financial constraints make you boring and old, they will make you a lot more comfortable when you actually become boring and old down the road.

Make Extra Payments When Possible

If you get a big bonus at work or a generous Christmas cash gift from mom and dad, consider putting it towards your student loan debt. Remember, the lower the number in your debt account, the slower the interest accrues. Any large chunk you can put towards your loans will go a long way towards relieving debt-related stress.

Check All Your Options

The student loan crisis is worse than ever, with a rising number of college grads falling behind on repaying their loans.

More than 1 million Americans a year are defaulting on their federal student loans!

If you’re in this boat, it might be time to think about refinancing. Doing so can help you pay off your student loans faster and save money in the long run.

Remember, sometimes you can make extra money just by finding new ways to save.

A big one that many people fail to remember is that you can save around $300/month just by refinancing your student loan debt.

How to Refinance Student Loans

Interested in refinancing your student loans right now?

Below are the top 4 lenders (get estimated savings in under 2 minutes):

  • SoFi (Rates as low as 2.58% — 7.25%)
  • Earnest (Rates as low as 2.57% — 6.32%)
  • Laurel Road (Rates as low as 2.80% — 6.38%)
  • LendKey (Rates as low as 2.56% — 7.82%)

10 Wonderlic Test Tips to Know to Pass the Test

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wonderlic test tips

Did you recently find out that you need to take the Wonderlic test as a part of a job application? If so, you’ll likely want to learn some tips before taking the test. We’ll share some helpful Wonderlic test tips to help you pass the test.

The Wonderlic test is the most widely used pre-employment cognitive aptitude test administered to job applicants in the world. Companies hire Wonderlic Inc. to supply them with official Wonderlic tests that are given to potential employees, and Wonderlic then supplies the companies with data on the potential of their applicants.

Here are ten Wonderlic test tips you should know about the Wonderlic before sitting down and taking the test.

Wonderlic Test Tips:

Here are common questions people ask and tips on how to pass the Wonderlic test:

  • What is a good score on the Wonderlic? The average Wonderlic test score is usually 20 to 21, which is equivalent to an IQ of 100. The Wonderlic is designed so that the average score of everyone who takes the test is 20. A Wonderlic score of 26+ is a good score and if you get a high score, it means you are best suited for the job at hand.
  • Can you skip questions on the Wonderlic? You can skip questions on the Wonderlic test, even on the computerized version. You will have an opportunity to go back to any skipped questions before you submit your answers at the end of the exam.
  • Should I guess on Wonderlic? It is important to note that you are not penalized for wrong answers, so you should never leave any answers blank. That’s why you should skip questions you aren’t sure about and go back to them at the end and make an educated guess.
  • Can you use a calculator on Wonderlic? Unfortunately, calculators are not allowed on the Wonderlic test. All questions are designed to be solved without the need for a calculator.

1. The Wonderlic is Short

The Wonderlic test is a 50 question test that must be completed within 12 minutes. Before you know it, the test is over and your score is locked in.

The shortness of the test makes it ideal for employers to use on job applicants – the results can be used to compare to other job applicants and employees currently in their company, and employers don’t need to ask job applicants to spend a significant amount of time taking the test.

There are some versions of the Wonderlic of 30 questions in 8 minutes, but the vast majority of people take the 50 questions in a 12-minute version.

2. The Average Score is 20

A Wonderlic score is calculated by the number of questions answered correctly. So, if you answer 30 out of 50 questions correctly, your Wonderlic score is 30.

If you take a shorter 30 question version of the Wonderlic, your score is calculated based on the 50 question standard. So if you answered 18 out of 30 questions correctly, your Wonderlic score would be calculated as 30: (18/30) x 50 = 30

The Wonderlic is designed so that the average score of everyone who takes the test is 20. This allows the test administrators to calculate standard deviations and percentiles of the test takers.

An average score of 20 might sound like a low number – after all, that is only 40% of all questions answered correctly. However, the test is particularly tough because of two key factors: the difficulty of the questions and the time limit.

3. The Questions are Challenging

Questions on the Wonderlic consist of a mix of questions from many different topics including but not limited to arithmetic reasoning, paragraph comprehension, word matching, verbal recognition, geometric problem solving, deductive reasoning, pattern recognition, and general knowledge questions.

If you struggle with a particular type of question, it may be a good idea to look up sample questions and practice them. For example, you can find many free sample questions by just doing a search for “math paragraph problems”.

4. You Have 14 Seconds Per Question

Most people who take the Wonderlic test for the first time feel rushed throughout the test. That is because you are intentionally given a short amount of time to solve complex questions.

12 minutes divided by 50 questions equals 14.4 seconds per question. By the time you finish reading the question and the answers provided, you only have a few seconds remaining to answer the question.

When most people “fail” the Wonderlic, it’s because they run out of time – not because they don’t know the answers to the questions.

5. You Should Answer As Many Questions as Possible

Unlike some standardized tests like the ACTs or AP Exams, you are not penalized for answering questions incorrectly. You should answer every single question on the test – no matter what. Even if you are left with 30 seconds on the clock and have 20 questions to go, it’s time to start guessing!

Knowing that it is difficult to answer every single question without guessing, you should try to only focus on questions that you know you can answer correctly. If you come across a particularly tough question, it is best to take your best guess and move on.

6. Practice tests help you prepare

The best way to get ready for an upcoming Wonderlic test is by taking as many free Wonderlic tests as you can. You can typically find free online sample versions of the test by doing Google searches.

wonderlic test tips

Taking practice tests has two big advantages:

  1. Get a sense for the questions
  2. Get used to the time limit

While sample tests will not provide the exact questions found on an official Wonderlic test, you can get an idea of all the different types of questions asked – that way you won’t be surprised while taking the real test and waste precious seconds figuring out how to process information in the questions.

The time limit is by far the factor that most test takers struggle with. Make sure that your practice test has a built-in timer – if not, use your phone or some other device to time yourself. Taking timed practice tests will help you develop a mental clock in your head so you know if you are running ahead or behind of the time limit.

7. You Cannot Use a Calculator

Calculators are also not allowed on the Wonderlic test. You are allowed to use paper and a pencil while taking the test to help figure out math problems.

The Wonderlic test is supervised, and the test administrators are expected to know that calculators are not allowed on the test.

When going through practice tests, do not use a calculator. You do not want to start relying on something that you won’t be able to use on the official test.

8. There is no official “Good Score”

Sure, getting a better score than the 20 average is generally a good thing, but the quality of a Wonderlic score is compared to the type of job that you are applying for.

The average Wonderlic score of a janitor is going to be different than the average score of a neurosurgeon.

You should also neither be overly confident or discouraged based on your first practice test results. Try to focus less on an ideal score that you want to meet and more upon gradually improving your Wonderlic scores by taking additional practice tests or online courses to help.

9. You Won’t See Your Results

Unless your hiring manager decides to show you once you get the job, you won’t be given any indication of how well you did once you complete the test.

The HR staff or hiring manager will get a report from Wonderlic on your performance and will make a do not hire, hire with caution, or definitely pursue recommendation.

It should be noted that Wonderlic test results are one of the many factors that companies look at when evaluating candidates. Even if you ace the test, it definitely does not guarantee that you will get the job. For most companies, they consider test results as a pass or fail.

10. Confidence is Key

The Wonderlic lasts a very short amount of time, and it is easy to become quickly discouraged by the difficulty of the questions and the short time limit.

Only 0.2% of people who take the Wonderlic test finish the test without guessing. That’s 1 out of 500 people! Remember, no one answers all the questions on the test correctly, and everyone will feel rushed while taking the test. Try not to panic, stay focused, and stay confident!

Best of luck on the test and if you are stressing out, check here for some tips on ways to beat stress.

Here Are 3 Simple Ways I Beat Stress

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beat stress

Wonder how to be more chill during your workday and your life? Here are 3 realistic ways you can become a happier, chill person overall.

We could all use more chill in our lives, right? Fortunately, there are many easy adjustments you can make to take some of the stress and chaos out of your daily routine—so easy, you’re going to wonder why you haven’t been doing these things all along.

Here are 3 easy ways to reduce stress, improve quality of life, and add some much-needed chill to your day.

1. Get enough sleep.

If you’re not getting a solid 7-9 hours per night, you’re doing it wrong. And unfortunately, that’s a lot us: about a third of the U.S. population doesn’t get enough rest.

But science doesn’t lie. Research and studies consistently demonstrate that 7-9 hours is the golden standard for the average adult. Many people insist they only need a few hours of sleep a night to function. But that’s most likely because they’re delirious due to lack of sleep. Only a very small percentage of the population (around 1%) can function optimally on less than 7 hours per night, and that’s due to a genetic mutation.

The effects of sleep deprivation are no joke—impaired cognitive function, decreased productivity, and greater chance of having an accident or falling asleep while driving. Not to mention the long-term medical issues it can lead to: obesity, diabetes, heart disease, and mental distress.

So don’t cheat yourself. Get into the habit of getting a full night’s rest every night. The best way to do this is to go to bed at the same time every evening. Just count backwards 8 hours from the time you need to be up in the morning, and set yourself a reminder to be in bed about 15-20 minutes before that. Newer iPhones even have a handy bedtime reminder feature built into the alarm clock.

2. Take breaks during the day.

Most of us work 8 hour shifts, or more, but the reality is that human focus has its limits. Our brains are simply not wired to be focused for that many hours a day, especially all in a row, and this is proven by science. One study revealed that experts who are elite in their fields (basically all fields: artists, athletes, intellectuals, scientists, saving experts) typically can spend only about 4-5 hours per day intensely focused on their work.

It’s unlikely this evidence will persuade your boss to shorten your workday, but taking breaks throughout your shift can help you stay on task and be productive. Planning out your work day and timing breaks will ensure you don’t lose track and end up spending 3 hours looking at cute cat memes on the internet.

The experts in the study above tended to work at the start of their day when their focus was best, so always plan to start your day with the project that will require the most focus (NOT with email!). And then take a break. One study suggests that the perfect ratio is 52/17: work for 52 minutes, and take a break for 17. If you can swing it without getting a raised eyebrow from your micromanager boss, give it a shot at work tomorrow.

3. Meditate daily.

You may scoff at this suggestion but scoff at this: science has proven that people who meditate regularly actually change the composition of their brains. One study from UCLA showed that the brains of long-term meditators were better preserved than non-meditators. Meditation also reduces stress levels, helps with pain management, and relieves anxiety and depression.

The even better news is that even a few minutes a day will benefit you. If you’re a beginner, start with 5 minutes a day and work up to 15 to really start feeling results. Google “how to meditate” to find a plethora of advice on how to get started (or check out my step-by-step video guide), but the basics are pretty much the same no matter what source you consult: find a quiet location, sit or lie in a comfortable position, focus your attention on either your breathing or a phrase you repeat in your head, and keep an open attitude. If you follow these 4 instructions, there’s no wrong way to meditate.

Warning: at first it may feel like nothing is happening, or you may feel silly or bored or distracted, but just keep trying. What you’re doing is actually training your brain, and each time you sit down to meditate, something is shifting, slowly but surely, and it’ll get easier and easier with time. how to be chill

As our lives get busier and busier, especially for Millennials who are not only entering the peak years of their careers but also becoming parents, it’s even more important not to lose sight of the big picture. We owe it to ourselves to slow down and dedicate time each day to habits that improve our health and wellbeing and keep us grounded. Stay chill, guys.

How To Get Your First Job After College

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how to get your first job

If you’re a recent college graduate, Congratulations! You should be very proud of all the hard work that went into your diploma. If you don’t have a job lined up prior to graduation, you might be wondering how to get your first job after college. With the current state of the economy and your student loans to pay off, it can be quite frustrating,

Many companies have very few open positions or may not be hiring at all. This is especially true for entry-level positions due to the fact that so many experienced professionals are currently in the job market and some have become desperate. When your job search feels like an impossible task, it’s easy to get discouraged. However, there are a few things that you can do to make sure you stand out with potential employers.

Finding a Job After College

Landing that first job after college can be a stressful (and exciting) process for many college seniors and recent grads. However, you can use a few simple tips to help you get ahead and noticed by employers.

Here are tips for landing your first job after college.

1. Check With Your Career Center.

Start by utilizing your college’s career center for opportunities, career advice, and services and programs available.

If you opted to talk to a career advisor at your school’s career center, you will be in good hands. They can help prepare you for interviews with the most common interview questions, give you career goals, develop your resume and help set up a job search plan suited for your career. One sure bet that can lead to a full-time job is attending your campus job fairs on campus, these offer you opportunities to get hired by companies who want to hire students at your school. Leave your Bloomington campus apartment and visit your campus’ job fair soon! Win-win.

2. Experience Counts.

If you have any hands-on experience that is related to your field of interest, make sure you use it to your advantage. This could include gig jobs, part-time jobs, volunteer work, or internships. If you did not have the chance to do this prior to graduation, it’s not too late. While you might not find an internship program, you can always look for a part-time job or even a volunteer position so that you can proudly say that you have proven experience. Depending on your area of interest, you may also want to consider temp jobs. Many employers use temporary employment agencies to pre-screen potential entry-level employees because it offers them a risk-free opportunity to determine if the person is a good fit for their organization. As they have a chance to evaluate their work and see that they have potential, many top-of-the-line temp workers are offered permanent positions.

Along the same line of thought, you might also consider a position that is a little below your standards if it allows you to get your foot in the door with a highly-desired potential employer. It will give you a chance to showcase your skills and show that you are motivated. Make sure that you excel at the tasks that you are given and continue to ask for more responsibility. Someone may keep you in mind when an entry-level position in your area of expertise is available.

3. Networking makes a difference.

Knowing the right people makes a huge difference when it comes to finding a job at any level. While employers will advertise that they hire the person most qualified for the job, the vast majority of positions are attained by knowing the right people. While working within a company to gain experience will allow you to make valuable contacts, don’t discount the people that you will meet in the volunteer world. Many large corporations promote community service which means that you could be working next to an executive while handing out food to the homeless or walking for a popular charity. The best rule of thumb is to always act as if the next person you come into contact with could be your big break. If professional organizations for your specialty area near you, join them and become a regular participant.

4. Target your resume and cover letter.

While you will want a standard resume that you can hand out at a moments notice, it’s also a great idea to tailor your resume towards your prospective employer when you can. For a tailored resume, make sure that you emphasize any classes or hands-on experience that is particularly relevant to their operation. You should also include a cover letter with each resume that is customized for each employer. When possible, find out who is making the hiring decision and address the cover letter directly to them.

In general, start off with your educational background. Make sure you list any awards that you may have received. List your GPA in general or within your major if it was outstanding. You can also provide examples of classes that you think will be particularly relevant.

Next, list your experience whether it was paid or unpaid. If you don’t have any experience that you feel is relevant, think of something that would apply. Even if you’ve only flipped burgers, find something that would show you have a great attitude and the proper motivation. You can also check out resume revision services that can help you along the way.

5. Have letters of recommendation ready.

In addition to listing references on your resume, ask a few of those valuable contacts you’ve cultivated to write letters of recommendation that you can attach to your resume with your cover letter. While many will not take the time to call your references while they are reviewing resumes, most people will scan reference letters.

The Bottom Line

While wondering how to get your first job after college, you have probably used a few online job sites. If you haven’t tried a niche site yet, they are a great way to develop contacts and find job leads. Find one or two that focus on your career choice and spend a little time there. Get to know the other users, and let them get to know you.

As you become a part of their online community, you will find that they will pass on job leads as they hear about them. In addition, many prospective employers will come to niche sites to recruit prospective employees. Here are some of the top niche sites to check out and have you stop wondering how to get a job after college.