Let’s face it. Most of us, at one point or another, have been faced with a financial emergency, or a plain, old-fashioned cash crunch. It’s definitely not a fun spot to be in. While there are steps we can take to avoid such situations (more on that later), that’s often the last thing on our minds when we need to come up with the money — quick.
To assist, I’ve compiled the following list of money-making ideas. While some of the items included are more lucrative than others (you’ll never get rich taking surveys, for example), they all share a common theme: making money fast. Ready? Let’s dive in.
1. Make Money Fast With Survey Junkie
Taking online surveys isn’t going to make you rich, but that’s not your goal here. You need to make money fast, and survey sites like Survey Junkie will help you do just that. In fact, you can start earning within a few minutes of signing up and get paid as soon as you accumulate $10 in rewards.
Survey Junkie will pay you for each survey you complete, in the form of Paypal credits or gift cards to your favorite retail stores. The more surveys you take, the more you’ll make. The best part is that you can take surveys while doing other things, like watching TV, or listening to music, making it an easy way to earn some quick cash. You can also earn money by simply amazon affiliate marketing.
2. Make Money Fast With Acorns
Remember your goal – to make money fast. When you sign up for Acorns using my exclusive link, you’ll receive a $5 credit to kick off your account. Now, I wouldn’t suggest that you go to all that trouble for $5, but with Acorns, you’re getting so much more. Acorns is an investment app that makes saving money easy. You can open an account on your mobile phone in a couple of minutes, collect your $5, and be on your way to building that emergency fund, or saving for your next special purchase.
To help you get there, Acorns uses an innovative feature, called round up savings. Acorns sync to your debit or credit card and then rounds up the “spare change” whenever you spend. For example, let’s say you buy a pack of gum for $1.25. Acorns will round to the nearest dollar, and set aside .75 into your Acorns investment account. Because the amounts are so small, you’ll hardly notice the money leaving your account, but you’ll be surprised how quickly the savings add up.
3. Rent Out Your Ride-on Turo
Take advantage of your car’s downtime by renting it out to someone who needs a ride. Turo is a peer-to-peer car-sharing app that makes it easy to rent out your car. Once you’re set up through Turo, list your car on the app, wait for a request, and be ready to accept or decline. Keep in mind, your car will need to meet Turo’s vehicle requirements, and the nicer it is, the more money you can charge. Read the top 41 money-making ideas in our daily life.
4. Rent Out a Room With Airbnb
If you have a spare bedroom in your home, you can rent it out to a short term guest, on Airbnb. Some people will even rent out their entire home if they have another place where they can stay.
Not only is this a great way to make money quick, but if it’s something you enjoy, you could turn it into a regular income stream. A great perk with Airbnb is having the flexibility to decide when your space will be available, and how much you’ll charge.
5. Babysitting or At-Home Daycare
In today’s society, most families are dual income, with both parents working outside the home. Because of this, there is a constant demand for reliable childcare. If you’re a natural caregiver and enjoy being around kids, you can make good money by offering to provide childcare within your local community.
Whether it’s babysitting or an at-home daycare, it won’t take long to find your first client. Use your friends and family to get the word out, or notify your Facebook community, and you’ll be making money in no time.
6. Collect Rewards With Drop App
Money doesn’t always have to arrive in the form of cash. The drop allows you to earn points when you shop at your favorite retailers, then redeem your rewards for gift cards at places like Starbucks, or Amazon. Drop works by syncing to your debit and/or credit card, and keeping track of your purchases. You don’t need to worry about clipping coupons or scan receipts to receive discounts, Drop does all the work for you.
7. Earn $50 Per Year With the Nielsen Ratings App
For decades, Nielsen has been tracking TV ratings. But did you know that they will pay you to download their app to your computer or smartphone? Doing so allows them to compile data by tracking your internet usage. No need to worry however, your anonymity is guaranteed, and according to Neilson, the app won’t slow your device’s performance in the least. 5 Best ways to earn money from home.
Sounds pretty great, doesn’t it? There is a BIG caveat, however. You must be selected by Nielsen. That’s because Nielsen families are chosen using a scientific process. That said, it’s good to know about this easy money-making opportunity, in case you are ever approached by Nielsen.
8. Earn Credit Card Rewards
I’m a big fan of credit card rewards, but I’ll be the first to admit that using credit cards as a way of making money can be dangerous, and definitely isn’t for everyone. If you’re not paying off your credit card balance in full each month, or if using a credit card creates a temptation to overspend, then having a rewards credit card will cost you more money than you will ever make.
That said, a cashback, or travel rewards credit card can be a great way to make extra money. Many premium cards come with a welcome bonus, such as a couple of hundred dollars cash back upfront, or enough travel points to get you a free flight somewhere. Has an upcoming trip planned? This could be a great way to subsidize the cost.
9. Make Money as a Freelance Writer
If you have interest, or experience in a specific area and love to write, there’s a good chance you can make money online as a freelance writer. What I love about this side hustle, is that it’s something you can do on your own schedule from the comfort of your living room. Not only that, but you can make good money.
The website Problogger has an active job board, where you can browse, and apply for, freelance writing gigs across a wide range of niches.
10. Teach Music Lessons
Who said that a musician needs to live like a starving artist? If you are skilled in any number of musical instruments, you can make good money teaching private lessons. Ask your local music store if you can post an ad on their bulletin board, or advertise through Craigslist or Facebook. Early September is a great time of year to get started, as students are back to school and looking to start up music lessons after the summer break.
11. Earn Cash Back With Rakuten (Formerly Ebates)
Rakuten, formerly known as Ebates, makes it easy to earn cash back when you shop online at top retailers, such as Amazon, Kohl’s, and Microsoft. Sign up with Rakuten, and gain access to hundreds of partner retail stores via links directly on their site. Rakuten will keep track of your cash rebates, which can be as high as 40% when you factor in limited time offers. The best part? Receive an automatic $10 bonus when you sign up for Rakuten, and earn an additional $25 when you refer friends or family.
12. Ask for a Raise
Perhaps the fastest way to make extra money is by leveraging the job you already have. Unfortunately, many people don’t think about this, and instead, feel like they need to take on something extra. I’ll finish with a few ways to increase your 9-5 income.
You’ve probably heard it said, “If you don’t ask, the answer will always be, no”. To most companies, a valuable employee is worth their weight in gold. Part of this is due to how much time and money it takes to hire and train someone new. Chances are, your employer is willing to pay you more, but you need to ask. If you’re able to effectively communicate your value to your boss, you may be pleasantly surprised at the outcome. 32 Best part-time jobs everyone can do easily.
13. Ask to Work Overtime
Not every job offers this opportunity, but if yours does, consider volunteering to work overtime, if you’re needing to make more money fast. Overtime work saves you from having to start something extra in your spare time, such as a second job, or a time-consuming side hustle. Remember, the goal is to make money fast. Either way, always strive for a healthy balance between time at work, and time away. The last thing you want is to feel burned out.
14. Take Advantage of Bank Signup Bonuses
This is a great way to make some quick money. Banks everywhere are in a constant battle for new customers. The financial services industry is highly competitive, and companies know that if they can secure your day to the day banking business, they’ll have a shot at your mortgage and your investments as well.
While these promotions come and go, it’s not uncommon to be offered a few hundred dollars when you open a new checking account with a bank, providing that you meet the qualifying criteria. This usually includes hooking up your automatic payroll deposit and completing a couple of online bill payments, that kind of thing.
15. Advertise Your Freelance Services on Fiverr
In addition to writing, there is no shortage of services you can offer as a freelancer. Graphic design, bookkeeping, social media management – these are all services that small businesses will pay you to provide. One of the best ways to find clients and start making money is by joining a freelance marketplace like Upwork, or Fiverr.
16. Employee Referral Programs
Any recruiter will tell you, it’s tough for companies to find good people these days. As a result, many organizations will pay their own employees a bonus for successfully referring to new talent.
Depending on the role, and the demand for the position, you could be eligible to receive hundreds, even thousands of dollars by bringing in a new employee. Not only is this a quick way to make money, but it requires almost no effort on your part. You’re simply connecting to parties.
17. Use Credit Cards — Wisely
If you use cash, you’re paying for my credit card.
The credit card company charges the merchant a fee to process the transaction. As a user of cashback and rewards cards, I get some of that in points and rewards.
You could argue that merchants bake this fee into their prices, and you’d be right, but by using a credit card I am able to get some of it back. Cash users don’t get anything back.
There are plenty of reasons why you might not want to use a credit card. I’m not here to tell you those reasons are dumb or bad or anything like that. If you have a good reason to avoid credit cards, I salute you. I have many friends who have gotten themselves out of credit card debt and their punitive interest rates and want nothing to do with credit cards ever again. I think that’s smart.
If you have no reason to avoid credit cards, though, you should be using them. They have so many benefits and perks over cash. There’s cash back, there are extended warranties and price protections, and many cards also offer types of travel insurance. If you don’t have a strong reason to avoid them, you must have a credit card in your wallet.
18. Automate Everything
It’s been said that the best performing investment portfolios are the ones that are forgotten. (This is supposedly based on an internal Fidelity report that was never published.)
They do well because people stop messing with them. And when they stop messing with it, they get out of their own way.
I take this principle to its logical conclusion and automate as much as possible. Everything from saving to spending to investing, it’s automated because that allows me to get out of my own way. You can’t forget something if a computer will remember it for you. I haven’t manually paid a regularly scheduled bill in over a decade.
The best guide I know about automating your finances is by my friend Ramit Sethi at I Will Teach You To Be Rich. It will change the way you manage your money, in a good way.
Keep contributing to your investment accounts, then let the money grow.
19. Small Habits Lead to Big Results
A prime example for me was gaining strength. I made a decision to build muscle but I didn’t want to be one of those guys who spent hours in the gym. I learned that there are workout regimens that don’t require a ton of time, but which still improve strength with just 20-30 minutes a session. These routines target several muscle groups at once. (The deadlift is a good example.)
Because these sessions only took 20-30 minutes, it was easy to make time for them. As a result, I started going to the gym more regularly. And once I was there, something funny happened. On some days, I did the workout and left. On others, I felt like I could do more. So, I incorporated other exercises that targeted smaller muscle groups. The promise of a short session got me in the habit of going to the gym. That was the hard part. Once I was there, I often did more than I had planned. Another way everyone can earn make money from home by Blogging.
At first, I saw my strength increase until I hit a plateau. I talked with some folks and realized I had two non-obvious weaknesses: insufficient protein intake and grip strength.
- For the protein, I added a bit of unflavored protein into my coffee each morning.
- For grip strength, I started doing more dumbbell exercises in lieu of barbell exercises. The simple act of carrying the heavyweights to a bench helped increase my grip strength.
Both were small changes that became daily habits, which eventually had a big impact on my exercise regimen. Neither was difficult, I just had to discover them. And today, I’m stronger than I’ve ever been thanks to these seemingly minor changes.
But you’re not here for fitness tips from me. You’re here for money tips, right? Here are some simple habits I’ve developed that might not seem like much at first, but which have had a huge impact on my finances. Maybe they’ll help you too.
20. Apply for a Promotion
When was the last time you considered applying for a promotion? Not only is a new job a great way to make more money, challenging yourself to step out of your comfort zone will further develop your skills, and help you grow as a person. If you’re having trouble getting promoted at your current company, you may decide to go to take your skills somewhere else. Here’s an article that gives 10 reasons successful people change jobs more often.
21. Take Advantage of Any Unused Benefits.
If you’re not taking advantage of all of the benefits your employer is offering, you may be leaving cold hard cash on the table. Far too many employees don’t take the time to understand what’s available, and as they say, if you don’t use it, you’ll lose it. Read through your employee benefits package, or speak to an HR representative if you have questions. There’s money to be made, from health spending balances and 401K matches to affordable insurance coverage and employee discounts.