These 5 Money Hacks Are So Brilliant You’ll Need to Buy a Bigger Wallet
June 14, 2022

Everything is more expensive right now and you’ve done what you can to cut back your spending.

You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)

But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. 

Although we can’t swipe these off the table for you, we do have a few money moves you should make right away…

1. Get Paid to Play Bingo

There’s a free app called Bingo Cash that pays you up to $80 every time you win bingo. That’s money that can go right towards your credit card debt!

The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $80.

Over on the App Store, it has a 4.7-star rating (out of 5).

To get started, just download the free app and start playing your first game immediately.

2. Use This Secret Banking Account

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash.

Yep. By signing up for a free debit card called Aspiration you could get up to a 5% back every time you swipe, plus they give you up to 50x the normal interest rate on your balance.

Need to buy groceries? Get extra cash.

Need to fill up the tank? Bam. Even more extra cash.

This card used to have a huge waiting list, but you’re now eligible to sign up for free.

Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption.

3. Cancel Your Car Insurance

Did you know you can save some serious money just by switching car insurance companies?

Its true — rates are at historic lows, and you could be paying way less for the same coverage. All you need to do is look for it.

But don’t waste your time hopping around to different insurance companies. Use a website called EverQuote to see all your options at once.

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. 

In just a few minutes, you could save up to $610 a year.

4. Get a Free $83 for Winning a Game of Solitaire

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free app called Solitaire Cash that pays up to $83 per win — that’s an extra credit card payment!

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

5. You Can Stop Paying Your Credit Card Company

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape… 

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances. 

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

You don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all.  Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes less than a minute and just 10 questions to see what loans you qualify for — you don’t even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls. 

These 5 Money Hacks Are So Brilliant You’ll Need to Buy a Bigger Wallet
June 14, 2022

Everything is more expensive right now and you’ve done what you can to cut back your spending.

You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)

But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. 

Although we can’t swipe these off the table for you, we do have a few money moves you should make right away…

1. Stop Overpaying at Amazon

Wouldn’t it be nice if you got an alert when you’re shopping online at Amazon or Target and are about to overpay?

That’s exactly what this free service does. 

Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.

Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.

In the last year, this has saved people $160 million.

You can get started in just a few clicks to see if you’re overpaying online.

2. Ask This Website to Help Pay Your Credit Card Bills This Month

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape… 

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances. 

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes less than a minute and just 10 questions to see what loans you qualify for — you don’t even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

3. Get a Free $225 in Cash Every Month

If we told you you could get free money just for watching videos on your computer, you’d probably laugh. It’s too good to be true, right? But we’re serious.

A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. Brands pay InboxDollars to get these videos in front of viewers, and it passes a cut onto you.

InboxDollars won’t make you rich, but it’s possible to get up to $225 per month watching these videos. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately earn a $5 bonus to get you started.

4. Cancel Your Car Insurance

Did you know you can save some serious money just by switching car insurance companies?

Its true — rates are at historic lows, and you could be paying way less for the same coverage. All you need to do is look for it.

But don’t waste your time hopping around to different insurance companies. Use a website called EverQuote to see all your options at once.

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. 

In just a few minutes, you could save up to $610 a year.

5. Get Up to 40% Cash Back When You Pay For Stuff 

Chances are you do some of your shopping online. Whether it’s pet food from Walmart, a new outfit from Macy’s or even a flight home for summer vacation, you’re probably leaving money on the table.

A free website called Rakuten has the hookup with just about every online store you shop, which means it can give you up to 40% cash back every time you buy something. 

We spoke to one Penny Hoarder reader, Colleen Rice, who has earned more than $526.44 since she joined Rakuten. For doing nothing. Seriously. 

Rice says she uses Rakuten for things she already has to buy, like rental cars and flights. 

It takes less than 60 seconds to create a Rakuten account and start shopping. All you need is an email address, then you can immediately start earning cashback at your go-to stores through the site. 

Your cash will be deposited directly into your bank account or via a check in the mail every few months. Talk about money for nothing.

These 4 Money Hacks Are So Brilliant You’ll Need to Buy a Bigger Wallet
June 14, 2022

Everything is more expensive right now and you’ve done what you can to cut back your spending.

You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)

But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. 

Although we can’t swipe these off the table for you, we do have a few money moves you should make right away…

1. Get Paid to Play Solitaire

There’s a free app called Solitaire Cash that pays you up to $83 every time you win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. And, in fact, there aren’t even any annoying ads.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

2. Hate Budgeting? Do This Instead… 

Part of financial self-care is building new and better habits — like sticking to a budget. Don’t want to budget? Try the budget for people who hate budgets.

The 50/30/20 method for budgeting is one of the simplest ways to get your spending in check. No 100-line spreadsheets or major lifestyle changes required.

Here’s how it works: Take your total after-tax income each month, and divide it in half. That’s your essentials budget (50%). Take the rest, and divide it into personal spending (30%) and financial goals (20%).

Let’s break it down: That’s 50% for things like utilities, groceries, medications, minimum debt payments and other essential spending. Then there’s 30% for fun: Thai takeout, your Netflix subscription, dressing up a skeleton on your lawn for Halloween.

That leaves 20% for your financial goals, like additional debt-reduction payments (anything above the minimum monthly payment) along with retirement savings and investments.

3. Share What’s in Your Fridge

Remember the Nielsen company? The one that’s always tracked TV ratings? Well, now it wants to know what’s in your fridge.

Once you sign up to be on the Nielsen Consumer Panel, you can either use your smartphone, or the company will send you a free barcode scanner. Every time you go shopping, you simply scan the UPC codes on the back of each product and send your data to Nielsen.

Nielsen will reward you with gift points, which you can redeem for free electronics, jewelry, household items or even toys for the kids.

The longer you stay on the panel, the more opportunity you have to earn points toward prizes. You’ll also receive entries for the panel’s many sweepstakes. Prizes include vacations and brand new vehicles.

Applying to become a panel member is straightforward. You’ll answer some basic questions about you and your household, then Nielsen reviews your application and will contact you when you’re eligible to join.

4. Get a Free $105 for Playing Games

There’s a free app called Bubble Cash that pays Canadians up to $105 ($83 USD) every time they win.

The game is easy to play — just match three bubbles of the same color, then use your finger to aim and blast them away to clear the board

Bubble Cash has more than a million downloads and averages a rating of 4.5 out of 5 on the Canadian App Store.

To get started, just download the free app and start playing your first game immediately.

Note: Monetary amounts are shown in U.S. dollars.

This 21-Day Challenge is Perfect For People With $5K or More in Credit Card Debt
October 12, 2021

If you have credit card debt, you know. The high interest rates, the constant anxiety, the feeling you’ll never escape…

But today’s the day that’s all going to change. It’s time to finally pay off your credit card debt and live your life with a little less money stress by committing to this 21-day debt payoff challenge.

You ready? Follow these steps to finally conquer your credit card debt:

Day 1: Freeze Your Credit Cards

No, we’re serious. Literally freeze your credit cards.

If you want to get serious about paying off your credit card debt, you’ll want to stop using your cards — at least until you can pay down your balance and temper your spending.

So grab a container from your cupboard, fill it with water, drop your credit cards in, and pop it in the freezer. No more spending temptations. Now you’re ready to get serious.

Day 2: Ask This Website to Help Pay Your Credit Card Bills This Month

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape… 

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

Day 3: Get a Free $83 for Winning a Game of Solitaire

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that pays up to $83 per win — that’s an extra credit card payment!

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

Day 4: Cancel Your Car Insurance

Here’s the thing: your current car insurance company is probably overcharging you. But, who has the time to look around for around a new company?

But a website called InsuredNation could help you save up to $500 a year. That’s $500 towards your credit card debt.

It takes just two minutes to answer some questions, and InsuredNation’s smart matching technology will show you the insurance companies that are the best fit for you. And don’t worry — InsuredNation uses the most advanced data security and encryption technology, so all your details are safe. 

The website is free to use and can even save you up to an additional 20% if you add another vehicle to your policy. You could be paying as little as $19 a month for car insurance.

InsuredNation has already helped millions of people find affordable car insurance. See how much money you could save with a new policy.

Day 5: See If Your Credit Card Company Made a Mistake

Did you know that one in five people have an error on their credit report that could be costing them thousands of dollars?

The credit card companies are famous for reporting misinformation to the three bureaus.

Thankfully, a website called Credit Sesame will help you detect any errors — for free. If you find any, it will even help you dispute them.

Salome Buitureria, a working mom in Louisiana, found a major error on her report this way. Using Credit Sesame, she was able to fix the mistake and take additional steps to raise her credit score from 524 to nearly 700. 

Now she and her husband feel like they’re in a better position for their biggest goal — purchasing a house. 

Want to check for yourself? It only takes about 90 seconds to sign up.

Days 6-7: Build a Sustainable Budget

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Now it’s time to build yourself a budget. We’re giving you two days for this because we get it: This can be overwhelming.

Oh, yes, we hear your groaning from here, but budgeting is an integral part to paying off your credit card debt, and it’ll help you accomplish your financial goals. Plus, it doesn’t have to be that difficult.

We suggest using the 50/20/30 budgeting method. It’s easy and offers a lot of flexibility. Here’s what it looks like:

Because you want to pay off your credit card debt, you’ll want to focus on building your minimum payments into that 50% category. Then any additional efforts will get wrapped into the money goals category.

If you’re struggling to make your expenses fit perfectly into each category, feel free to adjust the proportions. Like we said, this is super flexible, so use it to suit your needs and hit your goals.

Day 8: Get a Free $225 Just For Watching Cooking Videos

If we told you you could get free money just for watching videos on your computer, you’d probably laugh.It’s too good to be true, right? But we’re serious.

A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. Brands pay InboxDollars to get these videos in front of viewers, and it passes a cut onto you.

InboxDollars won’t make you rich, but it’s possible to get up to $225 per month watching these videos. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately earn a $5 bonus to get you started.

Days 9-16: Commit to a “No Spend” Challenge

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You’re making good progress so far! Now it’s time to really pour fuel on this fire by committing to a week of no spending.

That means you won’t spend any money on nonessentials this next week. Definitely still pay rent, your utilities — all those responsible grown-up bills — but don’t spend anything on entertainment, clothes or dining out.

Yes, this will be difficult, and you will face temptations. But this is a great way to reset your spending habits and save up some extra money to put toward your debt.

If you’re feeling really ambitious, you can go for a full month, like personal finance writer Jamie Cattanach. She committed to a No Spend November, to help tame some of her holiday spending. When Cattanach finished her challenge, she saved more than $600. Not bad, right?

Day 17-20: Add $225 to Your Wallet Just for Watching the News

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching.You could add up to $225 a month to your pocket by signing up for a free account with Swagbucks. They’ll present you with short news clips to choose from every day, then ask you a few questions about them.

You just have to answer honestly, and Swagbucks will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $429 million. 

We talked to one user in Pennsylvania, 52-year-old Carolinda Hendrickson, who earned $1,200 in a year.

It takes about one minute to sign up, and start getting paid to watch the news.

Day 21: See If You Can Get $80/Month From This Company

Whew! You’ve almost completed the challenge. How are you feeling? You should be proud of yourself for committing to pay off your debt.

Taking surveys might not sound like the best way to pay off debt, but if you’re just vegging out on the couch — or pretending to be interested in your partner’s new favorite show — why not click a couple buttons? It could earn you up to $80 a month. Seriously.

There are a bunch of paid survey sites out there, but one of the best we’ve found is Survey Junkie

They’ll ask you questions about things like, what kind of laundry detergent you use, or if you prefer Pepsi or Coke. You get points for answering, and many people accumulate enough points to request a check within a few hours. 

More than 10 million people already use Survey Junkie, and it has 4.5/5 stars on TrustPilot. Give it a try by visiting Survey Junkie and clicking the “Join Now” button. It’s free.

Some of the links in this post are from our sponsors. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin.