o matter what you’re doing online or what you need, there’s usually a way to save money on it. Especially with these online money hacks.
Whether you’re looking to speed up your path to financial freedom (or just looking to earn a few extra bucks)—free money hacks can help you reach that goal.
Repeat, I repeat.
These are real money tips, not illegal money hacks. I have saved a lot of money because of these money tips.
If you're looking for ways to save and make money, too.
17+ Genius Money Hacks To Save & Make Money
Here are some of the free life hacks to make money that you can start using now. They are among the ones that people overlook at so many times.
You'll wish you knew these hacks before. Learn these tips and you won't be spending a lot of money again.
Get Paid to Watch Videos (Earn up to $200/mo)
If you're watching shows, movies, or any videos, do you get paid?
You should be. Believe it or not, a lot of people get money all the time doing that.
This is a money hack people don't really know about.
No, I didn’t make a mistake writing this money hack. You can actually get paid for just watching videos!
A site called Swagbucks makes our list of money-saving hacks because it is one of the few sites that will pay you to watch videos, movie previews, latest news, events, and more.
You get paid to do other things you do online like searching for keywords, reading news, shopping online, etc. Literally, almost anything you do will be paid.
There's a lot of dough to be made here for doing something you’re already going to do!
Click here to use Swagbucks for FREE. Plus, get a sign-up bonus of over $15.
Use Apps to Track Your Finances
It can be a little bit difficult to track everything that goes on in our lives, let alone your finances.
Credit cards, gift cards, bank accounts, the list goes on…
Check out a personal finance tool like Mint, which can help you manage your entire financial picture right from your cell phone.
Fill Out Surveys
Surveys are great money hacks, and there’s always a need for people to fill in their rosters.
So what do you do?
Just simply share your opinions. Whether it is your opinion on drinking water, buying new clothes, watching TV, or something else, you'll get paid for sharing your thoughts.
Survey Junkie and Survey Club are two good options to start with. Here’s a little more about each:
- Survey Junkie: Survey Junkie is one of the best online work options since all you have to do is share your opinions for cash! This is one of the best free hacks out there, people!
- SurveyClub: SurveyClub offers the latest and highest paying research, product test, focus groups, clinical trials, and survey opportunities. Current surveys pay between $3 and $115 per survey. That’s a lot in the survey world.
Pay off or reduce your debt
Contrary to popular belief, money hacks don’t mean you have to resort to living under a rock and eating ramen noodles.
Sometimes, it's about tackling that debt and paying it off to save money. That's one money saving hacks people overlook at.
Trust me, you'd be saving a lot of money on long term speaking.
There are quite a few platforms out there making it easier than ever to automate debt consolidation.
Now, there are thousands of companies that will lend to you at very low-interest rates. Say good-bye to your traditional banks and lenders, here are two of my favorite apps, making it easier to consolidate debt and reduce interest rates:
- Upstart: Upstart is excellent for younger applicants with less credit history but high earning potential.
- Tally: Tally will pay off your high-interest cards and then charge you a lower interest rate on the same balance.
Sell Your Old Stuff Online
Who doesn’t need money and need it fast? I remember when I was short of cash, I tried to find the easiest ways to make some money with the least amount of effort.
And with e-commerce continuing to gain popularity (by 2021, online sales will be almost 5 trillion!), it’s a no-brainer to sell your stuff online.
Check out the 25 hottest selling apps online that are great to use to sell your pre-loved or brand new stuff locally and online.
Never delete your email receipts (at least for a couple of months)
It turns out deleting email receipts can cost you a lot of money. So, please stop.
Here’s where it gets interesting:
It's free to sign up. Just connect your email, and it will scan your email for receipts.
If it finds you've purchased any products from its monitored retailers, it will automatically track the item and get you a refund when the price drops.
If your shipment is late, you'll get some money back, too. Sweet, right?
Meal Prep Like a Boss
Do you think healthy cooking is always expensive? Do you think there's no way to save money on groceries when you go to grocery stores?
Think again with healthy meal planning services.
Believe it or not:
While the cost of eating out continues to climb, at-home staples—like milk, cheese, and cereal—are cheaper now than they were last year.
Meaning more than ever, cooking meals at home can be easy on your wallet and your waistline!
We’ve researched meal planning services to help you decide which one is perfect for your needs (and pockets). Check out these 10 best budget-friendly healthy meal planning services.
FYI: To save more money, use these best grocery apps. They're the best ones to save you money on groceries.
Start Investing Online
If you want to try investing at a slow pace, you can do ‘cents investing' using Acorns.
It rounds your purchases to the nearest dollar and invests the change in over 7,000 stocks and bonds. With Acorns, you can own a portion of a stock or mutual fund for cents.
I use Acorns, and my cents have grown up to $2,400 in just 7 months. Crazy, right?
Sign up and start with Acorns here. You’ll get easy money online and a $5 sign-up bonus!
Don’t Call Your Cable Company; There’s an App for That
If you're looking for a money hack that doesn't require you to do anything, continue reading.
Lowering your monthly bills is much easier than you might think. One way to lower those bills is by using bill negotiation apps.
Bill negotiation apps enable you to lower your bills and pay less…for good!
Here are 6 Genius Bill Negotiation Apps to Slash Your Bills for Good.
Invest Online in Crowdfunded Real Estate
Want to achieve your financial goals sooner or save money for your retirement account?
Adding a residual income stream to your money hacks arsenal could do the trick.
Through using platforms like Fundrise, the average investor can buy into private commercial and residential properties by pooling their assets through an investment platform.
Believe it or not:
The average rate of return from this investment is around 12%/yr. That's a lot!
You only need $500 to start investing with Fundrise.
Run background apps on your computer
When it comes to money tricks, this is pretty much as simple as it gets…
. . .let apps run in the background of your computer. That's one way to get into the best survey sites that pay without actually taking a survey.
Believe it or not:
Companies are crazy hungry for consumer data on web usage. So much so that companies have started to pay people directly to share this information.
There are quite a few apps out there, but they all essentially work the same: Simply install and earn money and rewards without doing anything.
While some apps provide a guaranteed monthly reward, others offer sweepstakes prizes.
Granted, you’re not going to win a sweepstakes prize every single month. If you don't win, then, it's okay because you didn't exert any effort. If you do win, then, it's beyond great. You’ve got nothing to lose and a lot to gain.
Here are four money-making and rewards apps worth trying:
- Nielsen Computer and Mobile Panel: Gives away$10,000 per month in sweepstakes prizes.
- MobileExpression: Get a gift card after one week for having the app downloaded.
- Opinion Square: Someone made $100,000through downloading.
- Survey Savvy: Get $5 per month for having the app downloaded.
Get Cash Back for Shopping Online
If you are going to spend money on just about anything, then you might as well make money doing it, right?
Ugh, yes. Absolutely.
Now, there are cash back apps to help you earn cash back for almost any purchases you made online and offline for FREE.
How does all this work? Most of these sites make money by earning a small commission on each purchase you make via their direct link.
Believe it or not:
These apps can help you earn how to make money in one day online. I'm referring to bonuses.
I recommend starting with these passive income online apps:
- EBates: Get up to 40% in cash back online plus a $10 sign-up bonus.
- Affinity: Get up to 30% to 40% in cash back online plus a $20 sign-up bonus.
- Drop: Get cash rewards for whatever you spend on every day online and offline. You never have to look at which sites have coupons or deals.
Practical Saver Tip: Use several of these apps at once to potentially make more than what you paid initially for your items.
Invest With a Robo-Investor
Robo-investors are great money hacks because you can put in with minimal effort and still see your money grow.
Through platforms like Betterment and Personal Capital, all you have to do is fill out a short survey answering questions about your financial position and future goals without you really have to lift a finger.
From there, the robo-advisor puts together an optimal portfolio for you and manages it, so your investments stay on track with your goals.
Here is a little more info about each:
- Betterment: There is no minimum balance to open a new account—great for those new investors looking to get their toes wet.
- Personal Capital: Targets $100,000-plus investors with a hybrid model combining robo-advisor algorithms and human advisors that may make you more comfortable than having everything handled by a computer.
Start a YouTube channel
If you’re looking for money hacks that get you on camera—YouTube may be for you!
YouTube reports that the number of channels that have hit six figures in annual earnings through the platform has doubled from last year.
Whoa—count me in!
Start a Blog (I make over $20K/mo doing 5-hr/mo work)
When it comes to money making ideas, starting a blog should be high on your list. It's one of the best ways to make money while you sleep.
I earn at least $20,000/mo working 5 hrs/mo on this blog. That’s right. No illegal money hack here. The blog you’re reading right now makes me more than $20,000/mo.
There’s no special skills or talents needed to start a blog. Take it from me who was clueless when I started blogging two and some years ago.
For only $2.95/mo – less than a cup of your fancy coffee, you can start a blog and eventually, make money out of it.
Click here to start your blogging journey and make that money you deserve.
Do you have a lot of pictures on your Android or iPhone?
Yes? Then look no further for free hacks to get money: Foap is your platform.
With Foap, you can upload your photo collection and the platform will sell it to renowned brands. Foap also has partnered up with Getty Images so you can sell more photos.
There is no limit as to how many photos you can upload and you’ll earn 50% as a commission for every photo that sells. Better yet, you’ll get paid in cash via PayPal = huge win.
Start selling your photos on Foap for quick cash today.
Teach Kids English
If you're a teacher, this might be the budget hack for you.
With VIPKID, you not only get to help children and make $500, but you also don’t have to deal with the hassle of creating lesson plans, grading papers, or even leaving your house!
One person made over $20,000 teaching kids English from home.
Here’s how to start:
Submit your email address here for more detailed application info and start getting excited to make a difference in the lives of your students.
Click here to start teaching english without leaving home.
Do you enjoy writing? This could be an easy money hack for you.
In fact, you can make a steady income as a freelancer, and it is also one of the quickest ways to make money. You can sign up for websites such as Upwork.
If you are dedicated, you can make $100 a day. Freelance gigs usually finish within a day or two, and you can get paid quickly.
You can set your own rates and make a good amount of extra cash without a lot of experience. You will not have to worry about saying “I need money today”.
All you need is a laptop and an internet connection to get started.
Use Your Skills
You don’t have to be a stellar writer to become a freelancer. In fact, there are a plethora of freelance opportunities out there that could be a huge money hack for you.
Using a platform like Fiverr and Upwork, you can get paid for your skills in graphics and design, digital marketing, and more!
There’s no special approval process; you simply sign and put your skills to use.
How do you get started?
Be a Mock Juror at Home
For many of us, there’s nothing must worse than getting that dreaded jury duty envelope in the mail.
However, become a mock juror at home might have you singing a different tune.
As a mock juror, you’ll get a bunch of documents to review from the comfort of your home. What will you be paid to do? You’ll be paid for your opinion and feedback on the documents.
Final thoughts on Money Hacks:
Am I still hearing “I need money today”?
Doing more than one of these tasks will maximize your income. That’s I can say with certainty.
You can build a nice savings account or have extra money now for emergencies with these 20 money hacks to help you make money.
So, what are you waiting for? Go get your savings on!
What’s your favorite online money hack? Have you ever ran into illegal money hacks?