Hi! I'm Jeff. A personal finance nerd and entrepreneur at heart, I'm here to bring you all the latest cool ways to make and save extra money. I've been quoted in several online publications, including Entrepreneur, NBC News, GoBankingRates, Student Loan Hero, Business.com, Credit Karma, The Simple Dollar, US News & World Report, Lifehacker, MSN Money, Moneyish, Zumper, IdeaMensch, Discover Bank, PrimeRates, Credit.com, Yahoo! Finance, Club Thrifty, Guru Focus, Rent Track, Fit Small Business, Coupon Chief, and more.


Pitches to be your own boss. Our Consumer Action Center is hearing from a lot of callers who go to help-wanted sites, find an opportunity that looks good and then contact the supposed employer. It turns out to be a pitch for owning your own business, with promises of huge money. Unfortunately, the only ones making money are the people pushing startup kits for a fee.
Work in grocery delivery. Instacart is a company that will pay you to pick up grocery store orders in your spare time. The entire purchase and order takes place through the Instacart app, making it easy for you to pick up the groceries your customers wants and get paid. Like other food delivery jobs on this list, Instacart lets you earn a per-trip rate plus tips. Shipt is another service that will pay you to shop for groceries and deliver them to consumers in your area, so make sure to see if they’re available where you live.
My belief is that you should focus on buying value on the things you enjoy, and you should focus on making big wins to reduce your expenses on non-essentials and things which don’t bring you joy. For example, in our family eating out is a treat.  We save a lot of money by not dining very often.  But, when we do dine out we focus our efforts on nights where kids eat free.  Not only do we save money this way, but if my son decides that tonight’s dinner choice is not high on his list of priorities, we didn’t waste money on a meal.  This takes the financial tension out of any wasted food and allows my wife and I to enjoy the meal more.

For example, a $200,000 mortgage on a 30-year loan will cost you another $186,500 in interest payments, so you are actually paying a total of $386,500 over the course of 30 years. On the other hand, if you are willing to pay a few extra hundred dollars a month (for example, $350) by refinancing to a 15-year loan (usually at a lower interest rate), you could pay your mortgage off in only 15 years, and the best part is you would save yourself a whopping $123,700 in interest. That's money in your pocket. Talk to a loan officer about your options.
I too fell for the lies. I paid the money. First 97.00 and then another 87.00. I finally got wise when the links didn't work and neither did the comment section, and the number to call just a message. Literally the only portion of the website that worked was the part that took payment.I sat there a few minutes feeling very panicked, then called my credit card company and told them what happened. They suggested a temporary hold on card. Nothing was charged thank heavens. I went ahead and asked for a new card with new number be sent. And I immediately called and joined lifelock.com. What a nightmare. I suggest everyone who had anything to do with this join lifelock. Yes it is 30.00 a month. But a dollar a day is worth it to me. Good luck to you all!
I am unsure as to whether this question is completely relevant or not, but: I am, or at least, would like to be a writer. I don’t want to sound overly supercilious, just truthful, but I have a great deal of talent and there is virtually nothing I can’t write. However, I digress. I recently wrote a short story, which, despite its length (9 pages) is really more like a sketch, but its very eclectic and general. What I want to know is where can I sell this story? It’s jocoserious and seriocomic and pseudoautobiographical, and while not overly sexual, does content overtly erotic elements, yet I’d never categorize it as erotica, which, though I can write, and good at it, I dislike to, viewing it as a diminishment and degradation of my talents; also, it’s trashy and overly simple: beneath me and all decent, talented writers in every way! lol.
One of the hottest work from home jobs out there right now for online tutors is teaching Chinese children English through VIPKID. The service is super flexible, you get to set your own hours, and there is no lesson planning involved. VIPKID provides the lesson plans and communicates with the parents, all you need is a laptop and a desire to help teach  children. Tutors typically earn anywhere from $14 – $22 per hour according to their website.
Another option that isn’t quite cash back but is along the same lines of “make money by saving money” — the Honey Chrome extension. Whenever you head to your cart to check out, Honey searches for online coupon codes or better deals from different retailers. That means no more wasted time Googling “[insert store name] coupon code” just to come up empty-handed. Honey does all the legwork for you!
This website likes to follow the tactic of promoting a fake online newspaper so readers feel that the content and story is legitimate. In fact they go as far as implementing an IP address tracking script so they can taylor the story to your location so it seems the article is pertaining to someone who lives near you. This is supposed to give you a sense of authenticity when the program could just be looking for a quick sale. In fact, most of the time you can track down the IP address of systems like this one and see that it is coming from somewhere in China!!
Online teaching jobs can be found at a number of different websites across the web. If you’re interested in TEFL jobs, VIPKID, Gogokid, EF Education First, and Hawo American Academy are legit sites to look for jobs. For general tutoring, websites like Tutor.com and Varsity Tutors are good places to start. Keep in mind that you’ll likely need to complete a video interview before being hired.
Work in grocery delivery. Instacart is a company that will pay you to pick up grocery store orders in your spare time. The entire purchase and order takes place through the Instacart app, making it easy for you to pick up the groceries your customers wants and get paid. Like other food delivery jobs on this list, Instacart lets you earn a per-trip rate plus tips. Shipt is another service that will pay you to shop for groceries and deliver them to consumers in your area, so make sure to see if they’re available where you live.
Do you search the Internet? Want to get paid for it? Swagbucks is a site that rewards you for doing various online tasks like taking surveys, watching videos, and using their search engine. When using their search engine, you get reward points after several searches, usually in the amount of 10-15 points. You can start cashing out rewards at the 500 points mark.
This article is FANTABULOUS!!! Thank you sooo much! It is very overwhelming trying to sort through what may or may not be a scam on-line. This is the first time I have found information that seems promising. I am looking to be able to earn enough to support myself (I do not have kids) since health issues make it extremely difficult to work outside of my home. Keep up your great work!
Also please note, I’ve tried my very hardest to confirm the accuracy of all the sources mentioned in the list. To my knowledge every single one of the jobs I’ve listed is legitimate. However, I’m only human and sometimes I make mistakes. If you feel that one of these companies should be removed, let me know. Likewise, if you’ve had an awesome experience with a company that hasn’t made it on the list let me know in the comments and I’ll add it.
Watch other people’s kids along with your own. There’s a good chance your friends who work outside of their homes would be thrilled to have an experienced parent watch their children while they are at the office. It can be manageable if your friend in need has only one or two kids. Plus, the new playmates will help keep your children occupied for a few hours. Pay varies widely based on where you live and the ages and number of kids you'll be watching, but babysitters and nannies typically can make up to $10 an hour in small cities and much more – even double that hourly rate – in larger cities.
I’d love for you to come visit my site and maybe share some of your thoughts. I love exploring the mindset structure behind manifesting millions and always invite others to do it with me. My goal is to help inspire people to breakthrough to brilliant living – whatever that is to them by defining, refining, and acting on designing the ideal lifestyle.

Selection. One of the keys to success on Etsy is selection, according to industry insiders. In fact, the goal of most serious shop owners is to have at least 200 items for sale. If you’re creating all of those items yourself, that’s a pretty big time commitment. But the more options you give to your customers, the higher the chances that you’ll make a sale.
Freelance writing has completely changed our lives. For years, we worked great jobs in a funeral home. However, those jobs also demanded tons of time and exceptional amounts of emotional energy. We found ourselves working nights, weekends, and holidays – getting called out at all hours of the night and missing countless family events. These were good jobs, but they grew tiring.
It works essentially the same way as the phone apps do above. If you don’t care to let Google know what you do on a daily basis, you can make money from home by letting them monitor your Internet usage. They use the information they gather to help them market/increase the functionality of their advertising programs when targeting users that are similar to you.

Thanks for this. It was very much helpful. I followed John Crestani’s tutorials. Back then, they were a bliss for me. He has the most genuine ways to earn a 6-figure side-income. He has the most appropriate ways about how to leverage paid traffic online, to create an affiliate marketing based business. My life has completely changed now. It is worth it. You can learn his tutorials at: *https://bit.ly/2CJWcx6*
This is a fantastic article and it really has given me help. I want to go to this thing in the summer called Creation Fest and it has music and speackers to celebrate God and it costs a lot! I was looking for help and I found this. $100+ seems easy at first but then your stuck when your my age. Thanks a whole bunch and I will probably come back again.
Protect yourself: In the end, you also need to protect yourself and your wealth, from yourself (doing something stupid with your savings) and others. Insurance, legal corporations, rainy day savings funds, tax shields and so on, there are many ways how you can protect yourself and your wealth. If you’re asking from what? From accidents, the government, market melts, sneaky salesmen and even from yourself is the answer.
This is definitely a scam. If you just call the 512-229-0385 number you will quickly figure out it is a scam. Because if this was a professional business they wouldn’t answer the phone hello. First time I called all I heard was music in the background and they hung up so I called back she sounded a little more professional the second phone call. First she asked Which business I was calling about so I asked what do you have more than one she said yes we are promoting 2 right now. Then I asked when the business was created she said November 16th 2017 she would not give me the owner of the company’s name she did tell me it was based in United States but would not give me a state her name was Anna no last name that’s unprofessional. So I waited a little while and call back you would think if it’s a big Corporation you would get a different person on the phone, but no I got the same lady and she answered it hello. So I was quick to say if this is a professional business-like home income systems you wouldn’t answer the phone hello you would be more professional about it and she quickly hung up. Do not give them your money it is a scam trying to take money from the poor just looking for a job to take care of their children. If you call the number ask if you questions wait a while and call back you’ll quickly see that it is a scam. They’re just trying to sell a dream it is too good to be true.
While many people start a home business to create or replace a full-time income, some people simply want to generate a little extra money to pay ​debt; save for a rainy day; or use as mad money, a sum of money reserved for small expenses or impulsive purchases. In the past, those who wished to make extra money needed to go out to find a second job. Fortunately, times have changed and people are thinking creatively about how to make extra money from home. They may be selling their services such as driving or shopping, skills such as writing or sales, or used items such as furniture, technology, or clothing to bring in extra income. Websites designed specifically to assist you in getting rid of unwanted items or selling your services or skills can help.

In his first 18 months after that real estate infomercial and learning the arbitrage strategy, he did 91 wholesale deals and made a million dollars. He didn't need to use any of his cash to do it. He simply replicated the same technique he utilized in the grocery industry, but instead, did it for the real estate industry. And the results were unfathomable, allowing him to generate millions of dollars, almost on demand, while also becoming one of the leading internet marketers in the world, building up a massive list.
We can get insight by seeing why China lost its lead in ocean-going ships. As of the year 1400, China had by far the best, the biggest, and the largest number of, ocean-going ships in the world. Between 1405 and 1432 the Chinese sent 7 ocean-going fleets, the so-called treasure fleets, out from China. Those fleets comprised hundreds of ships; they had total crews of 20,000 men; each of those ships dwarfed the tiny ships of Columbus; and those gigantic fleets sailed from China to Indonesia, to India, to Arabia, to the east coast of Africa, and down the east coast of Africa. It looked as if the Chinese were on the verge of rounding the Cape of Good Hope, coming up the west side of Africa, and colonizing Europe.
Spend your tax refund wisely. In 2007, the average American tax refund was $2,733. That's a lot of money! Can you use that money to pay off debts or create an emergency fund instead of blowing it on something that will lose half its value the second you buy it? If you invest nearly $3,000 wisely, it could be worth ten times that much in as many years.

One man’s trash is another man’s treasure. This is ever present in the sneaker world. I am an avid sneaker collector and a huge part of the culture is buying and selling your sneakers to keep updating your stock with your current favorites. I use a website called Kixify to buy and sell some of my sneakers and it is just like Ebay or Craigslist. Whenever I need money for whatever reason, I always look to see if I have a pair of shoes I am no longer in love with and willing to sell.
After listening to your show, I found a lead to my first side hustle. For my wife’s program and mine, we are required to have CPR. We took our class to meet these requirements, and I talked with our instructor who passed my name to the owner letting him know I was curious about becoming an instructor. I was contacted about certifying myself to teach classes! – John S.
According to their website, the Home Income System was created by someone who invested his own home-based online business. And, he’s offering you a chance to copy his business practice so you, too, can work from home. Well, we don’t know what the system actually entails. But, it appears that it will teach you what you need to know to work from home in your spare time. Driving into the office every day can really sap your spirit. If you’re like many of us, you probably wish you didn’t have to get up so early to beat traffic every day. And, we bet you daydream about working from your couch, your bed, or even a tropical island. With Home Income System, you can do any of that.
What It Is: Students in countries including Japan, Korea, France and Germany are looking for English speakers to practice with. Sessions focus on things like making professional small talk or running a meeting (trainers are provided with specifics on how to teach each topic, and are also trained themselves for two days before starting the job). Lessons take place either over the phone or on a live Internet video service like Skype — sometimes at night, because you're working with students in different time zones. You need to commit to a minimum of 20 hours a week at consistent times, and can work as many as 35 hours.
I created my own niche after my divorce last year by learning Google Adwords and now handle my own accounts and do contract work for a local digital marketing agency. I set up accounts and rehab / optimize existing ones. Adwords is a platform built for the small solo operator AND big corporations, so there is a lot within the dashboard to sort & sift through. I basically assist small local service businesses get set up right so they don’t continue to lose money. Plus I offer interactive lessons (not something many people do out there at all). Google Adwords is huge and growing (partly how Google makes its BILLIONS). If you love data analysis, marketing in general, writing on point & creative ad copy, and simply LEARNING, the opportunities are there for TRUE self-starters. You also have to have super attention to detail with spelling, etc. I don’t have a college degree, mind you, but was hungry to learn it all. I am at heart a teacher and helper (and have always been geared towards marketing). I have owned my own little businesses as a house cleaner and professional organizer and then segued into Adwords (after building my own cleaning & organizing campaigns). Did so after I had my 2nd boy in 10/2015 and one in K at the time. I had to find a way to work from home because the chaos of meeting the school bus and dropping off and picking up at the sitter was getting a little crazy. 🙂 I recommend looking into Adwords. You can even get certified. That is my next goal.

This is a great list Jeff. One penny saved is one penny earned. Thank you for listing 1010 ways to make money fast. I would like to add something to what you have already told. Fiverr is a more than a 5 USD thing now. With standard and premium gigs feature been implemented, some graphic designers are making more than 100 USD a design. Even the web designers and copywriters can really make good amount of money in very short time with very less effort.
What It Is: Do people ask you your secret to perfect pie crust or how you made that wreath? "Everyone knows how to do something, or has a hobby they enjoy," says Kimberly Lawson, owner of OohLaLuxe.net, who has created fashion and beauty tutorial videos. "These can easily be turned into profits." Simply sign up for a free YouTube account. Then use a smartphone or digital camera to record yourself explaining and demonstrating how you work your magic. (If you're more tech-savvy or have a burgeoning teenage filmmaker in your house, you can use desktop software, such as Windows Movie Maker, to create a slicker video.) "Once you upload the video to YouTube, enroll in its partner program," Lawson says. YouTube will then place ads inside or near your video, and you will earn money from the ads themselves, video views and click-throughs. "The key is to put a unique spin on your video," says Lawson, especially if there are lots of others on the same subject.
Not quite ready to start your own blog, but still like the idea of getting paid to write? You may want to consider trying your hand at freelance writing. Many bloggers and website owners are willing to shell out some serious cash for high quality writers. In fact, Holly Johnson from ClubThrifty.com makes over $200,000 per year from freelance work! And she has a course that teaches others how to do the same.
The Home Income Site (thehomeincomesite2.com) is one of the latest virtual programs that allegedly enables everyday consumers the ability to generate substantial and consistent income through the incorporation of their system. Employing a well-known paid actor from Fiverr.com, The Home Income Site appears to know no bounds when it comes to deceptively portraying their operation.
I liked your information, just need to decide which one to try. I am retired , it’s kind of like the old saying, “working have money no time, or time but no money.. I do really good at reading and correcting the information. I even found an error in a published book I had gotten at the library, I also noted a lot of errors in the writing of people on the comments. Any suggestions for some one who really enjoys detail work? Thank you intend to look through again for information.
Essentially the same thing happened in China with clocks: one emperor's decision abolished clocks over China. China was also on the verge of building powerful water-powered machinery before the Industrial Revolution in Britain, but the emperor said "Stop," and so that was the end of the water-powered machinery in China. In contrast, in Europe there were princes who said no to electric lighting, or to printing, or to guns. And, yes, in certain principalities for a while printing was suppressed. But because Europe in the Renaissance was divided among 2,000 principalities, it was never the case that there was one idiot in command of all Europe who could abolish a whole technology. Inventors had lots of chances, there was always competition between different states, and when one state tried something out that proved valuable, the other states saw the opportunity and adopted it. So the real question is, why was China chronically unified, and why was Europe chronically disunified? Why is Europe disunified to this day?
This is my update, it’s been a couple years and I feel now is a good time for one! After my wife and I turned 30 in July I have been thinking about updating our story. We continue to prosper at what we do and have been pretty frugal since when we first posted. I finally got a raise and a promotion , which is just the start of our good luck. About two years ago we purchased land back home in PA even though we still have time left in Boston. We got an amazing deal on 2.2 acres on a golf course that now appraises for $350,000. Since the last time we spoke we have paid down debt,we have paid off both cars, my wife’s medical loans and under grad degree, also purchased about $25,000 in gold and silver. We have about $55,000 in equity in our condo in Boston and together we now have over $95,000 in 401k and Roth accts. We are working extra hard at paying down the land loan so that we will have enough equity to build a 1.5 million dollar house ($300,000) needed or 20%. We also just signed with a private practice which is going to pay my wife and I a $50,000 signing bonus and over $250,000 before taxes a year, starting in 2014. We make about $175,000 a year combined now but once my wife becomes partners at this practice she is expected to make over $750,000. So we are very lucky and well on our way! We our currently half way away to a million. Our plan is to become millionaires before we turn 35. Can we do it? Thank u Ryan for your advice. Work hard, it doesn’t matter what you make… It matters what you are able to save!
I am curious about your response to this. I do know some people who have their own companies posting for clients and getting paid around the same dollar amount per post. The only thing this guy doesn’t mention is that you might have to interface with a client to get the info they want posted. I kinda figured their would be a “big ticket” after the 99 bucks. Do you know of any legitimate opportunities to do postings for companies who just do not want to have to bother with doing it for themselves? Thanks in advance and I look forward to your reply.
Another benefit of giving to charity is that people perceive you as a better person when you give to causes they care about. They are likely to trust you more when they see that you aren’t intent on hoarding the money they give you, and that doing so will benefit their community in turn. Of course, the tax benefits of giving to charity are also a great incentive to do so.
This list is great, thanks! I wanted to point out, though, that it looks like at least some of the transcription jobs are listed as paying per audio hour which would work out to a lot less per hour of work. One hour of audio can take 3 to 4 hours for an experienced transcriber to complete, so $24/audio hour=$6-8/hour. Just something for people to be aware of.
I propose to get some empirical information about this question by comparing the histories of China and Europe. Why is it that China in the Renaissance fell behind Europe in technology? Often people assume that it has something to do with the Confucian tradition in China supposedly making the Chinese ultra-conservative, whereas the Judeo-Christian tradition in Europe supposedly stimulated science and innovation. Well, first of all, just ask Galileo about the simulating effects of the Judeo-Christian tradition on science. Then, secondly, just consider the state of technology in medieval Confucian China. China led the world in innovation and technology in the early Renaissance. Chinese inventions include canal lock gates, cast iron, compasses, deep drilling, gun powder, kites, paper, porcelain, printing, stern-post rudders, and wheelbarrows — all of those innovations are Chinese innovations. So the real question is, why did Renaissance China lose its enormous technological lead to late-starter Europe?

This article is FANTABULOUS!!! Thank you sooo much! It is very overwhelming trying to sort through what may or may not be a scam on-line. This is the first time I have found information that seems promising. I am looking to be able to earn enough to support myself (I do not have kids) since health issues make it extremely difficult to work outside of my home. Keep up your great work!
This list is great, thanks! I wanted to point out, though, that it looks like at least some of the transcription jobs are listed as paying per audio hour which would work out to a lot less per hour of work. One hour of audio can take 3 to 4 hours for an experienced transcriber to complete, so $24/audio hour=$6-8/hour. Just something for people to be aware of.

I am looking for a legitimate work from home job. I am currently working in a call center 10 hrs a day, 4 days a week, and I’m getting burned out. I never see my kids or husband as he drives a truck and is usually asleep when I get home. I have always wanted to be a housewife but I feel as though this call center job is keeping me from that. My husband and I also want to start our own business as well. Any advice?
Skillshare: Want to teach people things but don’t want to make them publically for free? Skillshare is a platform that allows people to create online courses to help others and if people use your course, Skillshare will pay you. Want to learn from other creators? There isn’t a better place on the internet. Skillshare comes built-in with an audience interested in learning online.
The best part is that people who use bed and breakfasts are more likely to pay more for the experience. The challenge is that there’s a lot of competition in this field, so if you think earning money this way is right for you, you’ll have to set up your home in a way that makes for a memorable experience for guests. Here’s a checklist to get you started:
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