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6 Ways to Get Free or Deeply Discounted Stuff at Amazon

We’re all doing a lot more online shopping these days. New quarantine sweatpants? Add to Amazon cart. Noise-canceling headphones for your home office? Thanks, Amazon!

Here’s the thing though: You’re probably overpaying.

We always assume Amazon has the best price, but oftentimes, there are way better deals hiding out there. If you’re not tracking them down, you’re probably getting gouged.

Here’s how to stop overpaying…

1. Find Out if You’re Overpaying

Wouldn’t it be nice if you got an alert any time you’re shopping on Amazon and are about to get ripped off.

That’s exactly what a free service called Wikibuy does.

Wikibuy’s free alerts can be added to your browser. Before you check out, it’ll check other websites, including Walmart, Target, eBay and others to see if your item is available for cheaper. It will also show you coupon codes, set up price-drop alerts and even let you see the item’s price history.

Let’s say you’re shopping for a new TV. You’re ready to check out, and you assume you’re getting the best price. Here’s when Wikibuy will pop up and let you know if you’re about to overpay. It will even let you know if you can get it delivered sooner (see photo above).

So far, Wikibuy has saved users more than $70 million.

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

2. Get $225 in Amazon Gift Cards By Watching TV

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 in free Amazon gift cards 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 in cash and gift cards.

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

3. Shop Amazon’s Outlet Store

A woman walks down the street with an Amazon box.
Tina Russell/The Penny Hoarder

Did you know Amazon has an outlet store? Seriously.

It works similarly to your traditional brick-and-mortar outlet stores; it stocks overstocked items and sells them at a discount.

You can find anything from pet supplies to clothing to electronics to grocery items.

4. Get $5 in Amazon Stock

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

That’s why a lot of people use the app Stash. They’ll give you $5 of stock in Amazon (or another company of your choice) just for opening an account. 

The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. 

How to claim your free bonus: It takes just a couple of minutes to sign up and get your bonus stock — you may even just get a share of the “next Amazon.”

With Stash, all your investments are protected by the Securities Investor Protection Corporation (SIPC) — that’s industry talk for, “Your money’s safe.”2

5. Get $80 in Gift Cards — Just for Sharing Your Opinion 

Taking surveys might not sound like the best way to make money, 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. Starting getting free Amazon gift cards by visiting Survey Junkie and clicking the “Join Now” button. It’s free.

6. Copy This Strategy To Get a $526 Refund

Chances are you do some of your online shopping at Amazon. Whether it’s pet food, toilet paper or even gifts, you’re probably leaving money on the table.

A free website called Rakuten has the hookup with just about every online store you shop, including Amazon, which means it can give you a kickback every time you buy.

In fact, since Denver resident Colleen Rice started using Rakuten, it’s sent her checks in the mail totaling $526.44. 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 shopping your go-to stores through the site.

Plus, if you use Rakuten to earn money back within the first 90 days of signing up, it’ll give you an extra $10 on the first check it sends you. Talk about money for nothing.

 
   
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Uncategorized

9 Lessons to Take From Millionaires Who Are Really Good With Money

Life would be a whole lot easier if someone would just Venmo us $1 million, but unfortunately the chance of that happening is, well, probably zero. (Venmo doesn’t allow transactions that large anyway.)
But even though our chances of becoming a millionaire are slim, we can still manage our money like one. No, we’re not going to tell you how to buy hundreds of shares of Apple stock. Or how to pick out the perfect yacht.

These are simple money moves any normal, non-millionaire person can make today. Each tip can get you closer to achieving your big goals.

Take a look:

1. Grow Your Money 11x Faster — Without Risking Any of it

A woman's legs are shown dangling off a green suede couch. Her legs are crossed, and she holds an Apply laptop on her lap.Carmen Mandato/ The Penny HoarderYou’ve probably heard the best way to grow your money is to stick it in the stock market and leave it there for, well, ever.But maybe you’re just looking for a place to safely stash it away — but still earn money. Under your mattress or in a safe, but millionaires know better.Here’s their secret: a debit card called Aspiration lets you earn up to 5% cash back every time you swipe the card  and up to 11 times the average interest on the money in your account. Plus, you’ll never pay a monthly account-maintenance fee. To see how much you could earn, enter your email address here, link your bank account and add at least $10 to your account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

2. Leave Your Family up to $1Mimage_0

Oh, to be a millionaire. Look, not all of us have the money to set up trust funds for our loved ones. But you could still leave them up to a $1 million in life insurance — and you don’t even need to have the money in the bank.You’re probably thinking: I don’t have the time or money for that. But this take minutes — and you could leave your family up to $1 million with a company called Bestow.We hear people are paying as little as $8 a month. (But every year you wait, this gets more expensive.)  It takes just minutes to get a free quote and see how much life insurance you can leave your loved ones — even if you don’t have seven figures in your bank account.

3. Put $5 in the Stock Market

Take a look at the Forbes Richest People list, and you’ll notice almost all the billionaires have one thing in common — they own another company. But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.That’s why a lot of people use the app Stash. It lets you be a part of something that’s normally exclusive to the richest of the rich — buying pieces of other companies.That’s right — you can invest in pieces of well-known companies, such as Amazon, Google or Apple, for as little as $1.*The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus once you deposit $5 into your account.**

4. Stop Paying Your Credit Card Bill

Your credit card is getting rich by ripping you off with insane rates, but a website called Fiona could help you pay them off tomorrow.Here’s how it works: Fiona will match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online.It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

5. Cancel Your Car Insurance

People love to tell you to shop around. “You should be getting three different quotes to get the best price on car insurance,” they say. Sure, this sounds like good advice. Here’s why it’s wrong: Comparing only three companies isn’t nearly enough. We suggest comparing hundreds. But who has time for that?A company called Savvy will do it for you for free. It gets people an average of $826 back in their bank accounts a year — and you’ll get the same coverage you already have. It doesn’t matter when you last renewed; you can get a check from your old company for the time left on your previous policy. (Read: They probably owe you money.)You don’t have to make any calls or fill out any forms. It takes thirty seconds to see how much Savvy can put back in your pocket. And the best part? Because we’re driving less, some insurers are slashing prices this month.

6. Use up Your Entire Paycheck

image_1No, we’re not talking about going to Whole Foods and buying out its fancy cheese supply (though that’s the first thing we’d do if we had $1 million). Instead, we’re talking about creating a zero-based budget, a budget that finds a place for your every dollar.You’ll want to start by tracking a month of expenses. How much do you (or don’t you) have remaining? Then, consider your financial goals. Do you want to save money? Invest money? Pay off debt?Work backward to cut your expenses until you can achieve that goal. It might take some patience, but it’ll pay off.

7. Invest in Real Estate (Even if You’re Not a Millionaire)

The stock market can be a scary place. Stock prices shoot up and down like a roller coaster ride, and who knows when the whole thing might crash?It would be nice to diversify and invest some of your money in real estate, but don’t you have to be wealthy to do that?Now you can invest like the 1% does, and all you need to get started is $500. A company called DiversyFund will invest your money in commercial real estate — specifically, in apartment complexes that it owns — and you only need $500.Real estate can potentially earn you more money than the stock market. Over the long term, investing in the stock market will earn you an average annual return of 7%, adjusted for inflation, according to a number of studies. DiversyFund can’t guarantee how its investments will perform in the future — no one can — but historically, it has earned an annual return of 17% to 18%.So you don’t need a fortune to invest in real estate. All you need to get startedis $500.

8. Grow Your Wealth By Learning From Others

Two woman sitting next to each other in an office-type setting, and they go over material on a cell phone and laptop.Drazen_/Getty Images

One of the best ways to get your money in order? Learning from others! These could be the millionaires themselves, personal finance experts or real-life people who’ve had success. Search the internet for blogs and websites, listen to podcasts and read books.Here are a few of our favorite resources (ahem, besides ourselves):

    • “How to Money” podcast
    • “The Total Money Makeover” by Dave Ramsey
    • “The Side Hustle Show” podcast
    • “Rich Dad, Poor Dad” by Robert Kiyosaki
    • “The Money Nerds” podcast
    • “The Richest Man in Babylon” by George Samuel

9. Quit Your Job and Make $64/Hour

Are you tired of your job, but not sure how to earn a living working for yourself? Look into bookkeeping. It’s the No. 1 most profitable business, according to an article in Inc. And you can earn up to $64 an hour.You don’t have to be an accountant or good at calculus to be successful at bookkeeping, either. As long as you’re motivated, a company called Bookkeeper Launch will teach you everything you need to know. It’s one of the leading training courses in the field, and it’ll even give you the first three classes for free.It’s helped thousands of people launch their own mini-businesses, including Daniel Honan, a military veteran in his early 30s. He never considered starting his own company, but he signed up for Bookkeeper Launch, and now he’s making around $50,000 a year keeping track of business expenses for his clients.It only took him three months to get started, taking one class a week. Oh, and he makes his own schedule and is able to spend more time with his wife than ever.If you’re just a little curious, you just have to submit your email address here to take the first free classes.*The Penny Hoarder is a Paid Affiliate/partner of Stash. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers.**You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various

 
   
Categories
Saving Money

Is Your Stimulus Check Gone? Here’s How Americans Can Get Another $500

If you needed extra money, like, yesterday, you’ve come to the right spot.

Our team has compiled a list of creative ways you can fatten your bank account this month. Certainly, there’s something here that fits your needs.

Without further delay, here are six ways to pocket up to $508:

1. Get $225 for Watching Movie Previews

image_2
Carmen Mandato/ The Penny Hoarder

If we told you that you could get paid to watch 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.

No, InboxDollars won’t replace your full-time job, but you can earn up to $225/month.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

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

2. Let This App Pay You up to $83 When You Win Solitaire Games

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 you up to $83 every time you win a game.

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.

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.

3. Add $200 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 $200 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.

 
   
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Saving Money

3 Undisclosed Places Where the Rich Are Storing Their Money (and You Can Too)

“Let me tell you about the very rich. They are different from you and me.” — “The Rich Boy,” by F. Scott Fitzgerald

It’s true: Wealthy people manage their money differently from the rest of us.

And that means they probably don’t bank at the same place you do or make the same decisions about where to store money.

But we can still learn from them. Here’s where some of the richest people in America are storing their money this year:

1. They 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. A debit card called Aspiration  gives you up to a 10% back every time you swipe, plus they give you up to 100x 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. That’s nerd talk for “this is totally safe.”

2. They’re Buying Up Companies

Take a look at the Forbes Richest People list, and you’ll notice almost all the billionaires have one thing in common — they own another company.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

But with an app called M1Finance, it doesn’t have to be. It lets you be a part of something that’s normally exclusive to the richest of the rich — and you only need $100 to start.

We like M1 Finance because it lets you choose from hundreds of stocks and funds to build your own investment portfolio. But it makes it simple by breaking them down into categories based on your personal goals. Want to invest conservatively right now? Totally get it! Want to dip in with moderate or aggressive risk? Do what you feel.

Plus, with M1 Finance, you’re able to invest in fractions of shares, which means you can invest in funds you wouldn’t normally be able to afford.

It takes two minutes to sign up , and it’s totally secure.

Plus, when you use the link above, M1 Finance will give you a $30 sign-up bonus once you deposit $1,000 into your account.

3. They’re Getting Free Stocks 

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started. 

An investing app called Robinhood will give you up to $500 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account. 

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up and get your free stock — you may even just get a share of the “next Amazon.”

 
   
Categories
Saving Money

4 Money Tricks That People Who Make Over $100,000 Use To Get Ahead

Here’s the thing about people with big salaries: They have way more money than you or I.

They’ve got things like assets and investments. And they’ve probably got great credit. That means they get the absolute sweetest deals on financial offers like mortgages, car loans and credit cards — like they really need it, those rich so-and-so’s.

What’s the secret? What do these high-income earners know that you don’t?

Here are a few of their tricks.

1. They 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. A debit card called Aspiration  gives you up to a 10% back every time you swipe, plus they give you up to 100x 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. That’s nerd talk for “this is totally safe.”

2. You Can Ask This Website to 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. 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 3.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

AmOne won’t make you stand in line or call your bank, either. And if you’re worried you won’t qualify, it’s free to check online . It takes just two minutes, and it could help you pay off your debt years faster.

3. Spend $10 to Buy an Apartment Building

Take a look at some of the world’s wealthiest people. What do they have in common? Many invest in large private real estate deals. And here’s the thing: There’s no reason you can’t, too — for as little as $10.

company called Fundrise lets you get started in the world of real estate by giving you access to a low-cost, diversified portfolio of private real estate. The best part? You don’t have to be the landlord. Fundrise does all the heavy lifting.

Fundrise’s Starter Portfolio has a minimum of only $10 and is geared toward first-time real estate investors. Your money will be invested in the company’s Flagship Fund, which already owns more than $250 million worth of real estate around the country, from apartment complexes to the red-hot housing rental market to larger last-mile e-commerce logistics centers.

As tenants pay their rent, you could earn money through quarterly dividend payments, and over time, you could earn money off the potential appreciation of the property. Since 2014, Fundrise investors have earned roughly $100 million in dividends alone.

So if you want to get started in the world of real-estate investing, it takes just a few minutes to sign up and create an account with Fundrise.

4. Get Free Stocks

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started. 

An investing app called Robinhood will give you up to $500 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account. 

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up and get your free stock — you may even just get a share of the “next Amazon.”

 
   
Categories
Saving Money

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

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

A couple talk in their living room.
Getty Images

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:

  • 50% of your monthly income goes toward living expenses. These include rent, mortgage, utilities, groceries, car payments, gas and loan payments.
  • 20% of your monthly income goes toward money goals, which can include investments, savings and debt-reduction payments above the minimum amount.
  • 30% of your monthly income goes toward personal spending. That’s everything else.

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

A couple eat breakfast together.
Getty Images

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.

 
   
Categories
Saving Money

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

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.

2. Ask This Website to Help Pay Off Your Credit Card Bill 

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

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 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

A couple talk in their living room.
Getty Images

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:

  • 50% of your monthly income goes toward living expenses. These include rent, mortgage, utilities, groceries, car payments, gas and loan payments.
  • 20% of your monthly income goes toward money goals, which can include investments, savings and debt-reduction payments above the minimum amount.
  • 30% of your monthly income goes toward personal spending. That’s everything else.

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

A couple eat breakfast together.
Getty Images

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: Let This Company Negotiate Your Debt in Half

If you’re drowning in debt or dodging phone calls from creditors, it might be time to call in reinforcements.  

A company called Accredited Debt Relief will call your credit card companies (or other creditors) and convince them to reduce your bill — lowering them by as much as half!

Wouldn’t it be nice if you woke up tomorrow with half of your credit card debt gone? 

Kerry Smith, a Green Beret combat veteran, used Accredited Debt Relief to help him tackle $84,000 worth of debt. He was able to lower his monthly payments by $700, leaving him more money to take care of his family.

“They’ve been able to negotiate these accounts that were $15,000 or $20,000 down in half, and that’s just something that I can’t do on my own,” Smith says. An added perk? No more calls from creditors.

Want to see how much you could save? It takes less than a minute to sign up for a free initial consultation. The program generally works with people who owe more than $15,000, and the average person enrolled in the program is debt-free within two to four years.

 
   
Categories
Saving Money

How to Save More Than $1,000 a Day Without Breaking the Law

If you need to save money, like, yesterday, you’ve come to the right spot.

Our team has compiled a list of creative ways you can fatten your bank account this month. Certainly, there’s something here that fits your needs.

1. Get a Refund From Your Car Insurance Company

When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy. 

If it’s been more than six months since your last car insurance quote, you should look again. 

And if you look through a digital marketplace called SmartFinancial, you could be getting rates as low as $22 a month — and saving yourself more than $700 a year. 

It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. Once you cancel your current car insurance, they’ll even send you a refund! 

So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.

2. Let This App Pay You up to $83 When You Win Solitaire Games

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 you up to $83 per 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. 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.

3. Watch Movie Previews

image_2
Carmen Mandato/ The Penny Hoarder

If we told you that you could get paid to watch 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.

No, InboxDollars won’t replace your full-time job, but it’s something easy you can do while you’re already on the couch tonight wasting time on your phone.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

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

4. See if You Can Get Free Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash right now?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

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

You were going to buy these things anyway — why not get this extra money in the process?

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. That’s nerd talk for “this is totally safe.

5. Get a Free $80 for Playing This Cell Phone Game

We all have our favorite ways to kill time. A good book, a good conversation, a hockey game.

Here’s another good time-killer: Playing games on your iPhone. And what if you could play for money? Real money?There’s a free iPhone and iPad app called Bubble Cash that pays you to play. You can get paid up to $80 per win!

You might be wondering if there’s a catch. But there’s really not. Bubble Cash is free to download and is completely skill-based. And it’s quite popular. It has more than a million downloads and averages a rating of 4.5 out of 5 on the App Store.

Players have won hundreds of thousands in prize money so far.

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

6. This App Pays up to $40 to People Who Can Win This Game

What’s your favorite game to play on your phone? Is it spider solitaire or cube solitaire? Do you like bubble shooter games? How about block puzzle games or bingo?

Wouldn’t it be even better if you could win real cash by competing against other players? That’s the idea behind a gaming app called Mobile Premier League.

You’ll have your choice of nearly a dozen popular online games. You can play free practice versions of the games for as long as you want. When you first sign up to enter cash tournaments, you get $5 in bonus cash just for joining. 

Entry fees for tournaments range from 25 cents to $6. Currently, the pool of winnings for each tournament can go up to $1,250, and the most that a single player can win in a tournament is $40. Additionally, Mobile Premier League plans to add bigger tournaments soon.  

Your winnings get deposited into your Mobile Premier League account, and you can pay yourself via PayPal or a simple bank transfer.

It’s easy to download the app and start playing.

7. Get Paid up to $80 — Just for Sharing Your Opinion

Taking surveys might not sound like the best way to make money, 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.

 
   
Categories
Saving Money

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

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:

1. Ask This Website to Help Pay Off Your Credit Card Bill 

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

2. Get Paid to Play Bingo

There’s a free iPhone 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.

Day 3: 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 4: 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.

Day 5: 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.

Days 6-7: Build a Sustainable Budget

A couple talk in their living room.
Getty Images

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:

  • 50% of your monthly income goes toward living expenses. These include rent, mortgage, utilities, groceries, car payments, gas and loan payments.
  • 20% of your monthly income goes toward money goals, which can include investments, savings and debt-reduction payments above the minimum amount.
  • 30% of your monthly income goes toward personal spending. That’s everything else.

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

A couple eat breakfast together.
Getty Images

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?

Days 17-20: Get a Free $80 for Playing This Cell Phone Game

A man delivers groceries to a neighbor.
Getty Images

We all have our favorite ways to kill time. A good book, a good conversation, a hockey game.

Here’s another good time-killer: Playing games on your iPhone. And what if you could play for money? Real money?There’s a free iPhone and iPad app called Bubble Cash that pays you to play. You can get paid up to $80 per win!

You might be wondering if there’s a catch. But there’s really not. Bubble Cash is free to download and is completely skill-based. And it’s quite popular. It has more than a million downloads and averages a rating of 4.5 out of 5 on the App Store.

Players have won hundreds of thousands in prize money so far.

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

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.

 
   
Categories
Saving Money

Good at Solitaire? This App Will Give You up to $83 If You Can Win a Game

You can have your Angry Birds and your Candy Crushes. I don’t need ‘em.

I’ve got Solitaire Cash.

The game is a great time-killer and stress-reliever. And — the best thing about Solitaire — you can play it all by your lonesome. It’s solitary in nature.

Do you play Solitaire on your phone? Are you any good?

Want to see if you can win money?

There’s a free Samsung app called Solitaire Cash that lets you play for money. You could get paid up to $83 per win.

Playing Solitaire for Money: How to Win up to $83/Game

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.

When we say Solitaire Cash is free, it really is free. Sure, you can pay to play some higher-stakes games (starting at 30 cents), but there’s no pressure.

Here’s an overview of how it works: You’re dealt a deck and compete against at least five other players. Everyone gets the same deck. This is totally skills-based, so no luck is required. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

The app is free to download, and it’s a game you already know and love. Plus there’s no risk, so it’s worth a shot, right? Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

What You Need to Know Before You Start Playing

The game is pretty simple and straightforward — you’ll pick it up quickly — but we’ll give you some tips.

After downloading the app, you’ll start playing free games. Once you collect 120 “gems,” you can start competing in the “Freeroll” tournament, where you can win real cash.

You can speed up the process by depositing small amounts of money to compete for larger winnings — and you get extra bonus cash for each deposit. But that’s totally optional.

If you win a tournament, you can cash out through PayPal or Apple Pay.

Oh, and we almost forgot the best part: This app doesn’t have any annoying ads, so you don’t have to worry about your games getting interrupted.

Solitaire Cash already has more than a million downloads and has paid out more than $1.5 million. To get started, just download the free app and start playing your first game immediately.

Cash tournaments aren’t available in the following states: Arizona, Arkansas, Indiana, Iowa, Louisiana, Maine, Maryland, Montana, South Carolina and South Dakota.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He’s a recovering Solitaire addict.https://cdn.thepennyhoarder.com/rc/2020/rc.html