Six Simple Ways To Make Extra Money
When it comes to saving money, you have two choices:
Uno – Spend Less
Dos – Earn More
Whether you’re paying off your debt, saving for a down payment or building an emergency fund, these are your only two options.
Sometimes you just can’t cut back any more. It’s not physically possible. You’ve slashed and slashed and slashed some more. You were working with pittance before, now all you’ve got are crumbles. The mice don’t even bother begging.
That leads to numero dos. There are many ways to earn a cool dollar here and there. You could always start a blog. That’s the hip thing to do now-a-days. But who has the time. You’re already working a full-time job, plus you tend to like to see your family every now and then.
And everything else requires an investment. No way, Jose. Who’s got that kind of money lying around?
So what do you do when you need some cash but don’t have any additional time?
Here are six ways you can generate some extra coins for your piggy bank without breaking a sweat. Or the clock.
Note: Some of the below links are referral links. If you click-through and register for a new account, I get a benefit in the form of credits to my user account. Since all these programs are free, there is no added cost to you. If you choose to click on a link and sign up, I truly thank you.
Swagbucks is a super easy way to earn money for gift cards which you can give as gifts or cash in for yourself. Anytime you use Google, use the Swagbucks search engine instead. You earn points which can then be redeemed for gift cards. I earn Amazon gift cards which I hold onto for Christmas. (Ahem – if you get an Amazon gift card from me for Christmas this year – guess what….) Head over here to learn more about Swagbucks and get started. Christmas is just around the corner.
Ebates is an online shopping cash back program. You’ll go to Ebates, click-through to the site you plan to buy from and you earn cash back on your transaction. Once you hit a certain threshold, they mail you a check. Pretty cool. The trick to Ebates is to remember to go there before you start shopping. For example, the pink doily you were planning to buy Aunt Esther for Christmas at Sears is on sale, plus you get free shipping. Ebates offers 7% cash back. You go to Ebates first, click on the Sears link and buy your doily. Voila, you’ve just earned 7% cash back.
You can read my post on SmartyPig over here. You can also see my guest post on The Smarty Pig blog here. A strategic (aka super genius) way to use SmartyPig is when you’re making a big purchase with a retailer SmartyPig partners with. For example, let’s say you need to buy a new refrigerator and you’ve got the money saved already. You dynamite saver you. Transfer the money from your savings account to SmartyPig and then redeem the funds for a Lowes cash-back gift card. You’ve just earned an additional 3% on the money you saved. Oink oink.
Mr. Rebates is the same concept as Ebates. I’ve not used Mr. Rebates, so I can’t vouch for its pros and cons, but it’s an option for you.
Every Friday, Young Adult Money publishes a post with a ton of giveaways taking place across the wild wild web. Budgeting in The Fun Stuff also posts regularly about giveaways she knows of. The thing with giveaways is it takes time to enter. But it’s not time that takes a ton of thought, if you know what I mean. You can rock them out during commercials while you veg in front of Project Runway. Speaking of Project Runway – my money is on Kate this season. You?
Pinterest – um, say what! Well, this won’t earn you any cash, but it will generate dollar credits you can use for Christmas gifts. (Do you notice a theme?) By pinning images from Joss & Main and One Kings Lane, you can earn credits in your account you can use on the cake stand you plan to buy Aunt Myrtle. Check out this post from The Nester for all the details. Scroll most of the way down until you see, “How To Add A Referral Code to Your Pins.” Do me a favor though, fellow impulse spenders. Be careful when you’re on One King’s Lane and Joss & Main. Don’t start buying things if you don’t have credit from your fellow pinners. (I can read your mind.)
Do you have any other ways you earn “free” money or prepare for the Christmas season? Share them in the comments below.