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If we’re being honest, we could all do a better job with our money. Even the most financially savvy person can find ways to make their money go further.

Whether you’re looking to make better money moves across the board, make smart investments, supplement your income, or grow your business, this 13-step ultimate money checklist is loaded with money moves that are sure to help!

The Essentials

Money moves everyone should be making.

1. Leave Your Family with Up to $8,000,000: If something tragic were to happen to you unexpectedly, would your family be able to live off of your savings? Probably not. Most people underestimate how much money is needed. That’s why life insurance is a must. And with Ladder, you could get affordable life insurance with coverage that ranges up to $8,000,000. Plans start at just $12 a month; and because Ladder is completely online, you won’t even need to provide a medical exam or fill out paperwork. The younger you get life insurance the cheaper it usually is, and because today is the youngest you’ll be, you shouldn’t delay learning more. Take a couple of minutes to get your free quote from Ladder today!

2. Get Rid of Credit Card Debt with a Personal Loan: Many people fall into credit card debt and their card’s high-interest rate keeps them trapped for years. This is where a personal loan might help. These are lower-interest loans that can be used for just about anything — including paying off your credit card, which could potentially save you big money in interest fees. The average credit card has around a 17% interest rate, while the average 3-year personal loan has an 11.5% interest rate. Credible is an online loan marketplace that helps you find personal loan options in just two minutes. Fill out the site’s simple form and get offers from up to 11 lenders to compare in one place in just 2 minutes. Loan amounts range from $1,000 to $100,000. You can also use a personal loan for other needs, such as paying for medical bills, making improvements to your home, funding your family vacation, and more. Credible has helped thousands get the loans they need, and the company holds an excellent rating on TrustPilot with over 4,184 reviews.

3. Get Your Credit Score Back on Track Quickly: When looking to borrow money for a home, car, or other large purchase, you’re largely at the mercy of your credit score. Credit Sesame could help you take steps towards raising your score quicker, as this site tells you what you need to do to improve and is loaded with helpful tools — from free credit score to free credit score monitoring to free ID theft protection and much more. Sign up for Credit Sesame in minutes (for free) and get that number moving in the right direction!

4. Get Credit for Everyday Bills to Boost Your Credit Score: With a low credit score, proving yourself trustworthy for loans and lines of credit can be a challenge. But this is where Experian Boost can help. This is a completely free service that will help you get credit for Netflix®, Hulu, Disney+, phone, utilities, and other bills! It’s easy — link your bank account, choose the payment history you want credit for, and see your credit score boost results instantly!

5. Ask This Site to Help You Lower Your Current Student Loans in Minutes: When you’re drowning in student loan debt, refinancing (replacing your loan(s) with a new loan that has a lower interest rate) is a move that could potentially save you thousands. And with Credible, finding out is very easy. Fill out the site’s short form, and in two minutes, they will find you up to 11 student loan refinance offers to compare in one place. This simple, free check won’t even affect your credit score. When you find a loan you like, close it out and you’ll get a bonus of up to $300 to add to your potential savings!

6. Replace Your Boring Debit Card with This Cashback Earning Debit Card: Your current debit card probably isn’t earning you any money. Most debit cards don’t. But with an Upgrade Cash Back debit card account, you’ll earn cash back on debit card purchases. This FDIC-insured bank account has no hidden fees. Earn cash back whenever you make purchases uses your Upgrade debit card.

7. Switch to This Bank to Do Your Banking Online, Get Rid of Fees, and Earn More Interest: Tired of monthly fees, balance requirements, and pitiful interest rates? Consider opening an Upgrade savings account. This bank offers top-notch online banking and has no monthly fees or balance requirements. With their savings account, you’ll earn a high interest rate that is over 5%.

Investing

Money moves for new investors and investment tycoons alike.

8. Diversify Your Investments with Blue-Chip Artwork: Investing in blue-chip artwork used to be something only the super-rich could afford to do. Masterworks is a company that is changing that. Anyone can now Invest in top art pieces that have been curated by research professionals. Investing in blue-chip artwork has outperformed the S&P by more than 250% from 2000 – 2018, according to Artprice. Administrative costs, professional storage, insurance, annual appraisals, and more are all covered for just a small management fee. Request an invite to Masterworks’ free membership today!

9. Invest in Real Estate without Being Rich: Don’t think you have the money needed to invest in real estate? Think again. HappyNest allows everyday people to invest in real estate with just a minimum investment of $10. Choose to invest a higher amount if you want. Your tenants will be names like Fedex and CVS. Sign up with HappyNest today and start investing like the top 1%!

10. Find Out How Much You Can Afford for a New Home in Minutes: No money checklist is complete without addressing one of the largest investments you’ll ever make — your home. The home-buying process can be daunting, but Credible makes it much easier at all stages. As a loan comparison site and online marketplace, Credible shows you how much you can afford, gets you pre-approved for a mortgage in just three minutes, allows you to compare offers in one place, and helps you close out a new mortgage quickly. Not to mention, it’s free to use and 100% online. Find out how much you can afford for a new home with Credible today!

Making Extra Money

Money moves that will help you put more money in your pocket.

11. Take Surveys in Your Free Time to Earn Extra Cash: Looking for a fun activity to help kill time? With Branded Surveys, you can actually get paid for offering your opinion to all kinds of brands. Create a profile and Branded Surveys will match you with surveys most likely to pique your interest. As you complete surveys, you’ll earn points and be able to redeem them for money or gift cards to popular retailers and restaurants. Check this fun money move off your ultimate money checklist today by signing up with a valid email address or Facebook account!

Business Owners

Money moves that will help you grow your business.

12. Get Your Hands on the Funds Needed to Help Your Business Thrive: Need funding without entering into a marriage with investors? Fundera could help you get approved for a loan that sees funds deposited in your bank account in only a few days. Fill out one simple application form and this site will find multiple options for you to compare all at once. To date, Fundera has helped more than 85,000 businesses secure over $2.5 billion in funding. Check out your options with Fundera today!

13. Fast-Track Growth by Helping Customers Find You Online: There are probably customers who are currently looking for your business online. With Yelp ads, you can make it easier for them to find you! As one of the largest online directories, Yelp allows businesses to create powerful advertising campaigns for their products and services. Sign up today and join more than 4.8 million businesses that are already using Yelp to reach more customers. You’ll even get a free $300 advertising credit!

You Deserve to Get More from Your Money

Ready to check off each money move from our ultimate money checklist? Many of these moves can be completed without leaving your couch!

Of course, making smart money moves is going to help you manage your money better and save hard-earned dollars in the here and now. But it’s also going to help you plan for the future and make smarter investments that pay off in a big way down the road!

The post 13-Step Ultimate Money Checklist For 2024 appeared first on Wall Street Insanity.

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(We’ve updated this article to 4 from 9 on September 1, 2022.)

Everyone faces hard times at some point in their lives. If you’re finding that money is a little tighter than usual, it can be stressful trying to figure out how to cover bills, make your money go further, and continue saving for the future.

Fortunately, there are multiple ways to bounce back and gain control of your finances again. Here are nine companies that might be able to help you do it!

1. New American Funding: Use the Equity in Your Home to Get Your Hands on a Large Amount of Cash

Although money might be tight, you probably have a large amount of money tied up in your home. Did you know that you could use this equity to get a large amount of cash in hand with a cash-out refinance?

A cash-out refinance is the process of replacing your current mortgage one with a larger mortgage (ideally, one with a lower interest rate). The difference between the two mortgages represents the amount of cash you’ll have access to; and you could use this cash to pay off all of your debt, pay outstanding medical bills, fund your child’s education, or just about anything else you could imagine.

New American Funding is a company that makes checking your cash-out refinance rates easy. All you have to do is fill out a brief questionnaire — providing some basic information about your property and the amount of cash you need — and the company will show you your offer in less than two minutes.

Don’t wait to get relief from your current financial situation. Check your cash-out refinance rates from New American Funding in less than two minutes, and finally get your hands on the cash you need to get back on track.

2. Your Homeowners, Renters, & Auto Insurance Bills Are Probably Too High, Here’s How You Might Reduce It In Minutes

When was the last time you checked your homeowners or renters or auto insurance rate? Insurance companies love when you’re lazy. You could be saving money! For many people, there are cheaper rates floating around but they just don’t know where to look. You may be able to save up to $947 a year.

With Liberty Mutual, you could customize your car and home or renters insurance to save $947 a year. It takes just a couple of minutes to check your rate.

You could only save further with an online purchase discount and get rewarded for things like good driving behavior. There’s also a possible paperless policy discount and a pay-in-full discount.

Whether you’re looking for a better rate on home or auto insurance (or both), get a quote right now

3. Aspiration: Get a Cashback Debit Card and a Bank Account Without Hidden Fees

When times are hard, it could actually be your bank account of all places that isn’t doing you any favors. Hidden fees can quickly add up. What’s more, some banks are stingy and pay you very little interest (if any) on your monthly balance.

Aspiration is a company that does banking a little differently. When you open a free account with Aspiration, you’ll receive a debit card that allows you to earn up to 10% cashback on eligible purchases. Meanwhile, your account balance will earn a whopping 3% APR (5% APR if you upgrade to an Aspiration Plus account).

Beyond these perks, you’ll get access to a network of over 55,000 fee-free ATMs. Set up your direct deposits and you could even get access to your money up to two days early.

Most importantly, there are no hidden fees, so you’ll never have to worry about your bank taking more of those hard-earned dollars. Sign up for your free Aspiration bank account today, you’ll need to connect a current bank account to fund it with at least $100 opening balance to get started!

4. Upgrade: Get a Personal Loan to Help You Consolidate Debt, Cover Bills, and More

If money’s tight because you have different types of debt that you’re trying to pay off, high interest rates are probably doing you a disservice — causing you to rack up large interest fees that only set you back.

The good news is that you may be able to get a single, low-interest personal loan to pay off all of your high-interest debt — something we call debt consolidation. What’s more, a personal loan could provide you with enough extra cash to take care of your immediate financial needs and even some of your wants.

A loan company like Upgrade makes it easy to check your personal loan interest rate. Simply enter the amount you need between $1,000 and $50,000, and Upgrade will show you your rate in under 2 minutes.

You can check your rate with no impact to your credit score, and get your money within a day of being approved. Upgrade has no prepayment fees either.

You will need a minimum credit score of 630 to get approved. Take two minutes to check your personal loan rate with Upgrade today! Upgrade has a score of excellent on Trustpilot from over 33,000 reviews.

The post When Money Is Tight, These 9 Companies Might Be Able To Help appeared first on Wall Street Insanity.

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Today, workers are continuing to take advantage of remote work opportunities.

What makes an area a good spot for remote work? A recent WalletHub study weighed a variety of factors — including internet costs, cybersecurity, electricity bills, current share of remote workers, and other metrics — to assign a rating to each state and the District of Columbia.

Whether you’re thinking about relocating to another state or you want to know how viable working from home might be where you live, here are the best and worst states for remote work!

The 10 Best States for Remote Work

1. New Jersey

Total score: 66.75

Work environment rank: 5

Living environment rank: 11

2. Washington, D.C.

Total score: 64.29

Work environment rank: 1

Living environment rank: 50

3. Delaware

Total score: 64.03

Work environment rank: 2

Living environment rank: 38

4. Connecticut

Total score: 62.18

Work environment rank: 12

Living environment rank: 24

5. Massachusetts

Total score: 61.87

Work environment rank: 3

Living environment rank: 44

6. Utah

Total score: 61.87

Work environment rank: 6

Living environment rank: 27

7. Texas

Total score: 61.59

Work environment rank: 15

Living environment rank: 1

8. Washington

Total score: 61.57

Work environment rank: 11

Living environment rank: 19

9. Maryland

Total score: 61.48

Work environment rank: 4

Living environment rank: 41

10. New York

Total score: 61.11

Work environment rank: 22

Living environment rank: 5

The 10 Worst States for Remote Work

1. Alaska

Total score: 34.74

Work environment rank: 50

Living environment rank: 49

2. Mississippi

Total score: 43.79

Work environment rank: 42

Living environment rank: 13

3. Montana

Total score: 45.54

Work environment rank: 49

Living environment rank: 30

4. North Dakota

Total score:

Work environment rank:

Living environment rank:

5. Arkansas

Total score: 46.75

Work environment rank: 43

Living environment rank: 17

6. Oklahoma

Total score: 47.15

Work environment rank: 40

Living environment rank: 39

7. Wyoming

Total score: 47.45

Work environment rank: 48

Living environment rank: 42

8. Hawaii

Total score: 47.87

Work environment rank: 46

Living environment rank: 51

9. New Mexico

Total score: 49.14

Work environment rank: 41

Living environment rank: 35

10. West Virginia

Total score: 49.43

Work environment rank: 35

Living environment rank: 37

What Makes the Best State for Remote Work?

When determining the best state for remote work, there are a variety of factors that come into play. WalletHub sorted these factors two distinct categories — work environment and living environment.

Some of the most important factors affecting work environment include:

• The share of workers working from home
• The share of potential telecommuters
• The households’ internet access
• Quality of cybersecurity

The biggest factors affecting living environment, on the other hand, include:

• The average cost of electricity
• The average cost of internet
• Access to a low-priced internet plan
• The median square footage per average number of people in household
• The share of detached housing units
• The average home square footage
• The share of for-sale homes at over 1,000 square feet
• … and others

What State Has the Most Remote Jobs?

The quality of remote jobs is one thing, but the availability of those jobs is another issue to consider. Per a FlexJobs study, here are the top 10 states with the most remote jobs:

1. Rhode Island
2. Washington, D.C.
3. Delaware
4. North Dakota
5. Maine
6. Vermont
7. South Dakota
8. New Hampshire
9. West Virginia
10. Nebraska

Where Are Remote Workers Moving To?

According to recent census data, more and more people are migrating to the South and the West regions of the U.S.

While the data is too broad to narrow down to remote workers, specifically, the belief is that many remote workers are moving from large cities into more smaller cities and more suburban areas.

Will Remote Work Be the New Normal?

Remote work reached an all-time high during the COVID-19 pandemic, largely due to the national stay-at-home orders.

While virus cases have declined and the majority of businesses have returned to office work, we can expect remote jobs to stay higher than pre-pandemic numbers going forward. Projections show remote jobs making up 25% of all professional jobs by the end of 2023.

The post These Are the Best And Worst States For Remote Work appeared first on Wall Street Insanity.

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Like most people, you probably pay taxes to your state government each year. Of course, some taxpayers fork out more money than others, and one of the biggest factors that affects this is their state’s personal income tax rate.

Want to know how your state’s tax rate compares to that of other states? Here are the states with the highest personal income taxes, followed by the states with the lowest personal income taxes.

The 10 States With the Highest Personal Income Taxes

It’s important to note that state income taxes may vary, depending on whether the state has no tax, a flat tax, or a progressive tax on personal income.

These states have the highest personal income tax brackets:

1. California: 13.30% (Progressive income tax)

2. Iowa: 8.98% (Progressive income tax)

3. Vermont: 8.95% (Progressive income tax)

4. New York: 8.82% (Progressive income tax)

5. Hawaii: 8.25% (Progressive income tax)

6. Idaho: 7.40% (Progressive income tax)

7. Maine: 7.15% (Progressive income tax)

8. South Carolina: 7.00% (Progressive income tax)

9. Connecticut: 6.99% (Progressive income tax)

10. Nebraska: 6.84% (Progressive income tax)

The 10 States With the Lowest Personal Income Taxes

These states that have the lowest maximum income tax brackets:

1. Alaska: 0.0% (No income tax)

2. Florida: 0.0% (No income tax)

3. New Hampshire: 0.0% (Only taxes interest and dividend income)

4. Nevada: 0.0% (No income tax)

5. South Dakota: 0.0% (No income tax)

6. Tennessee: 0.0% (Only taxes interest and dividend income)

7. Texas: 0.0% (No income tax)

8. Washington: 0.0% (Only taxes capital gains income)

9. Wyoming: 0.0% (No income tax)

10. Pennsylvania: 3.07% (Flat tax)

Which State Has No Income Tax?

In total, there are six states that have no income tax:

• Alaska
• Florida
• Nevada
• South Dakota
• Texas
• Wyoming

Additionally, there are three states that do not tax conventional wages but do tax income earned from capital gains, dividends, or interest:

• New Hampshire (interest and dividends)
• Tennessee (interest and dividends)
• Washington (capital gains income)

Which States Do Not Tax Social Security?

It’s worth nothing that most states do not tax social security. The only states that tax social security are Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, Rhode Island, Utah, Vermont, and West Virginia.

What Is the Highest U.S. Personal Tax Rate?

Currently, California is the state with the highest marginal state tax rate at a whopping 13.3%. At the federal level, 37% is the highest personal income tax rate — reserved for those who earn more than $539,900 per year.

What Is the Most Tax-Friendly State to Retire In?

If retirement is on the horizon, make sure you look beyond traditional wages and take social security tax, property, tax and sales tax rates into account.

With all factors considered, Alabama, Alaska, Florida, Georgia, Illinois, Mississippi, Nevada, New Hampshire, Pennsylvania, South Dakota, Tennessee, Texas, Washington, and Wyoming are among the best states for retirees.

The post These States Have The Highest And Lowest Personal Income Taxes appeared first on Wall Street Insanity.

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We’d all love to wake up and see a bigger number in our bank accounts.

Unfortunately, making extra money can take time. In a world where you can get access to most things much faster than ever before, it can still be difficult to get your hands on cash quickly.

Here are 9 ways for you to give your bank account a welcome boost by next Friday!

1. Invest in the Stock Market and Get a Free $5 Bonus

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Think you need to be wealthy to invest in the stock market? Think again. Today, you can invest with almost any amount — even $5!

That’s all it takes with Stash. This company allows you to invest in fractional shares, so you can buy small pieces of your favorite companies — Apple, Amazon, Tesla, you name it — with as little as five bucks.

By creating a portfolio and funding it, Stash will even deposit a $5 welcome bonus right into your new account.

With a Stash bank account and Stock-Back card, you’ll earn even more stock for your portfolio when you swipe your card.

To get started, sign up for Stash today and make your first deposit!

2. Save Hundreds By Letting This Site Find You a Cheaper Auto Insurance Policy in 2 Minutes

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Auto insurance is a necessary expense but probably one that you’re paying too much for. When you switch to a cheaper policy, not only will you save on your very next bill but you might also get a partial refund on your old policy.

Hate shopping for car insurance? Leave it to EverQuote. This insurance comparison site does all of the shopping for you, gathering multiple quotes from various companies—sometimes from ones you’ve never thought to check out!

The best part? The service is free to use and you can find new options in minutes. Potentially save hundreds of dollars on car insurance each year with very little effort.

Check out your rates with EverQuote today and see how much you could be saving on car insurance right away!

3. See if This Company to Help You Save Thousands on Your Mortgage As Soon As Possible

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Your mortgage is probably your largest expense each month and it could be your biggest opportunity to save money right away.

By refinancing your mortgage — that is, replacing your current loan with a new loan that, ideally, has a lower interest rate — you could potentially save thousands of dollars in interest fees and start making lower payments as soon as your very next bill!

And with Figure, refinancing is made easy. In only a few clicks, this lender will let you check your rates without any impact to your credit score.

What’s more, Figure offers a 100% online application form. This allows you to apply quickly and get a speedy approval — all without filling out stacks of paperwork or being hassled over the phone.

The first step is to check your rates with Figure today. See how much you could start saving on your home!

Note that Figure is only available in the following states: AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, and WV.

4. Swap Out Your Homeowners Insurance Policy for a Cheaper One in Minutes

Your monthly mortgage payment isn’t the only expense related to your home. There’s homeowners insurance as well, which allows you to safeguard your property and possessions.

But for a service that you hope you’ll never need to use, homeowners insurance can be pretty expensive, too. Instead, find out if you could be paying less for your policy in minutes with EverQuote.

This insurance comparison site might help you save hundreds on your homeowners insurance policy — all you have to do is provide a few details about your home and they will hunt down multiple rates for you to compare in one place.

Get your free quote from EverQuote today and potentially find a better policy in minutes!

5. Use a Personal Loan of Up to $100K to Pay Off Your Credit Card Debt and More

Daniel Thomas on Unsplash

One of the fastest ways to put a large sum of money in your bank account is to get a personal loan.

Credible is a marketplace that allows you to check out up to 11 personalized rates from top lenders in as little as 2 minutes. Loans range from $600 all the way up to $100,000.

Once you apply for a loan you like and are approved, your funds will be deposited right into your bank account as soon as the very business day!

What’s great about a personal loan is that you can use it for just about anything. If you’re drowning in credit card debt and heavy interest fees, you can use a personal loan to pay off your debt completely—potentially saving you thousands of dollars in the process.

Don’t have credit card debt? Use a personal loan to make additions to your home, pay medical bills, plan your next family vacation, or something else. The possibilities are virtually endless.

Look at your personal loan rates with Credible today and get money deposited into your bank account in as little as one business day!

6. Save Up To $2,000 By Telling This App to Cut Unwanted Subscriptions and Negotiate Your Bills

Michael Walter on Unsplash

Most people have a few subscriptions that they no longer use or don’t use very often. Some of them might even be charged to your account soon! Canceling them would mean hanging onto some extra money before next Friday.

But amongst all of the different transactions on your account each month, they might still fly under the radar.

Not to fear — Truebill can find them and cancel them for you. This app will show you each of your bills in one place and cancel the ones you no longer want—with your permission, of course.

What’s more, Truebill can even negotiate your bills for you. Whether it’s your cable bill, phone bill, or another expense, Truebill will try to get you better rates so that you potentially pay less going forward.

Think about how much this could save you this week, this month, and over the next year. Download the Truebill app today to get started!

7. Get a $100 Welcome Bonus and a Cashback Debit Card from This Bank

Aspiration

One of the best ways to get more money in your bank account by next Friday is to get a better bank account.

Aspiration is an FDIC-insured bank that will give you a $100 welcome bonus after making a minimum deposit of $10 and spending $1,000 within 60 days (terms apply).

What’s more, they will give you a debit card that earns up to 5% cashback from socially responsible companies. These companies include TOMs, Blue Apron, Warby Parker, and more!

An Aspiration bank account also comes with no hidden fees and fee-free withdrawals at their network of over 55,000 ATMs.

And get this — if you upgrade to a paid plan for $7.99 a month, your debit card will start earning as much as 10% cashback and you’ll even earn up to 1.00% APY on your account balance.

Open an Aspiration bank account today and make your first deposit!

8. Make Up To $225 A Month Watching Videos

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When you sign up to InboxDollars, you’ll get a $5 bonus! Once you’ve confirmed your account, you can see a list of videos to watch.

There are all kinds of videos, including movie previews, TV shows, news clips, health, cooking, and tech-related videos. You can see how much the videos earn before you start watching.

In order to earn money, you’ll be required to watch all of the videos in a playlist. You’ll be able to see how long the running time for each playlist is though before you start watching.

There are several other ways to earn money with InboxDollars, including doing internet searches, reading emails, taking surveys, shopping, and playing games.

Sign up for InboxDollars now to claim your free $5 and start earning today. You can earn up to $225 a month!

9. Tell This App to Help You Add $1,000 or More Quickly

Digit

There are probably all sorts of areas where you could be saving more money right away, boosting your bank account as a result. But you might not know where to look.

Digit can help. This personal budgeting app is designed to help you achieve your financial goals — whether it’s saving, investing, paying off debt, or preventing overdrafts to your bank account.

All you have to do is sign up, download the app, and tell Digit what your financial goals are! The app will then analyze your spending and automate your saving for you so that you don’t have to think twice about being frugal and growing your money.

What’s more, the company offers a 30-day free trial. Sign up with Digit today and see how easy it can be to take back control of your finances!

Don’t Wait Another Week to Bolster Your Bank Account

When it comes to making extra money, we’re often taught to play the waiting game — that it takes time to grow your bank account balance.

But you don’t always have to wait weeks, months, or years to boost your bank account. Make these simple adjustments to have some extra money deposited into your account by next Friday!

* Wall Street Insanity is a paid affiliate/partner of Stash. Promotion is subject to Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must complete the following steps: (i) click through the link above, (ii) successfully open a Stash Invest Account (otherwise known as your personal portfolio) in good standing, (iii) link a funding account (e.g. an external bank account) to your new Stash Invest Account, AND (iv) initiate and complete a deposit of at least five dollars ($5.00) into your Stash Invest Account.

(*1)Bank Account Services provided by Green Dot Bank, Member FDIC

(*2)Stash banking account opening is subject to identity verification by Green Dot Bank. In order for a user to be eligible for a Stash banking account, they must also have opened a taxable brokerage account on Stash. Bank Account Services provided by Green Dot Bank and Stash Visa Debit card (Stock-Back® Card) issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

The post 9 Ways To Boost Your Bank Account By Next Friday appeared first on Wall Street Insanity.

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Who wouldn’t like to get their hands on some extra money? There are plenty of ways to get extra money — the problem is, many of them require a ton of work and it often takes a while for you to actually see the money in your bank account.

There are, however, a handful of ways that require very little legwork and allow you to put money back into your pockets quickly. Here are five top ways to get money fast.

1. Swap Out Your Auto Insurance Policy for a Cheaper One in Minutes

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You’re probably paying too much for car insurance each month. You might already know that, but shopping for a new policy is also time-consuming.

Not with EverQuote. This insurance comparison site will do the shopping on your behalf. Just provide a few details about your vehicle and sit tight as this company finds multiple rates for you to compare in one place.

Once you find a policy you like, EverQuote will help you make the switch quickly. This will result in more money in your wallet every month, right off the bat!

Try EverQuote today and see how much you could be saving — the service is free to use!

2. Get a Personal Loan Up to $100,000 as Soon as the Next Business Day, and Use It for Paying off Your Credit Card Debt and Other Needs

Karolina Grabowska on Pexels

When you need a decent sum of money fast, consider getting a personal loan.

You can use personal loans for just about anything. Because they often have lower interest rates than credit cards, they can be used to pay off credit card debt and save the user thousands in interest fees. But personal loans can also be used to pay for home improvements, wedding expenses, vacations — you name it.

Credible is a marketplace that, in 2 minutes, will find up to 11 personalized rates from top lenders for you to compare in one place.

Apply for an option you like, and upon approval, you could have your funds as soon as the next business day. How’s that for fast money?

Check out your personal loan rates with Credible today and get access to a large sum of money quickly!

3. Potentially Save Thousands of Dollars on Your Mortgage

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Because your home is likely your biggest investment, a quick and simple move like refinancing could result in you potentially saving thousands of dollars in interest fees.

Refinancing is the process of getting a new loan with a lower interest rate to replace a current loan. And with Figure, you could get a free quote for a new loan in minutes.

Find a loan with a lower interest rate and apply with Figure’s 100% online application. Once you’re approved, Figure will help you close out your new loan quickly so that you can start enjoying your new savings as soon as possible.

To start, check your mortgage refinance rates with Figure today and find out how much you could be saving on your house!

Figure Mortgage Refinance is only available in the following states: AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, WV.

4. Use Your Home as a Source of Fast Cash for Whatever You Need

Rowan Heuvel on Unsplash

Owning a home has its perks. You could use your status as a homeowner to get access to fast cash through a HELOC (home equity line of credit) — a loan that uses the equity in your home as collateral.

With Figure, you could potentially borrow up to $250,000 against your home. And the process is quick and easy — this 100% online lender allows you to apply for a HELOC in just 5 minutes, and if approved, have your funds in as soon as 5 days.

The best part? You can use this money for just about anything imaginable — paying debts or medical bills, making improvements to your home, or going on vacation.

Check out Figure today and learn more about how you could get access to this source of fast cash!

5. Get This Site to Lower Your Student Loan Bill (and Get Up to $300 While You’re At It)

Pixabay on Pexels

For many people, student loan debt is a necessary evil. But if you’re still struggling to pay off your student loans, there’s a way to lower your bill and potentially save thousands of dollars — refinancing.

Refinancing is when you take one or more student loans and replace them with a new loan that, ideally, has a lower interest rate.

With Credible, refinancing is really easy. Not to mention, you can get a quick welcome bonus of up to $300 for doing it!

Simply fill out the site’s short form, and in just 2 minutes, the site will show you up to 11 different lending options. Compare your rates in one place for free, with no impact to your credit score.

Once you choose the loan you like, Credible will help you close it out and you’ll be able to claim your welcome bonus!

To start, check out your rates with Credible today to see just how much money you could be saving on your student loans!

Who Said Getting Money Has to Take Forever?

It’s true — there are all sorts of money-making methods out there, but many of them take a long time to actualize.

When you need money fast, on the other hand, try out each of these top solutions. You might be surprised at just how quickly you get access to these newly found funds!

The post 5 Top Ways To Get Money Fast appeared first on Wall Street Insanity.

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As someone looking to grow their wealth, you probably think that millionaires have it easy—after all, they have more money to risk and access to better investment opportunities, right?

Today, more than ever, there are opportunities for you to use your money like a millionaire without being one. These include making smart investments, ensuring your family’s future, and simply choosing not to overpay on your everyday expenses.

Here are 10 money moves that you can make without being a millionaire.

1. You Could Leave Your Family with $1.5 Million

Sai De Silva on Unsplash

You may or may not have a million dollars right now, but you might be able to give your family a million dollars by applying for a term life insurance policy. And it may not even cost you all that much.

At any age, one of the smartest money moves you can make is to protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is a must.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

Plus, with a company like Bestow, you can actually lock in your rate. As you age and your health declines, you’ll get to keep paying that same low premium.

Bestow’s policies start from as little as $16 a month, and you can get a quote in minutes — without providing a medical exam or filling out paperwork!

And with coverage of up to $1.5 million, you can leave your family with a significant amount of money after you pass.

Get your free quote from Bestow today and make sure your family’s future is secure.

2. Invest in Blue-Chip Art (without needing lots of money)

Jean-Philippe Delberghe on Unsplash

Millionaires understand the importance of diversifying their investments. The stock market is just one vehicle that can be used to potentially grow your money. Blue-chip artwork — a market that has outperformed the S&P by more than 250% from 2000 – 2018 — is another.

While blue-chip artwork has typically been reserved for the super-rich, Masterworks is a company that makes it easy for the average person to invest in art.

Sign up and you’ll get to invest your money in a portfolio that has been carefully curated by top professionals. Wait for Masterworks to sell your artwork in the coming years or elect to sell to other investors at any time.

You’ll pay only a small fee to invest with Masterworks, and in return, administrative costs, insurance, storage, and other features will be covered.

Request a free Masterworks membership today and start investing like the wealthy!

Click here to request a free membership.

3. Invest in the Stock Market Like a Tycoon (with Just $5)

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There’s a reason why we sometimes assume that the stock market is for the wealthy—stocks can be expensive. You might not have the spare change to buy a whole share in some of your favorite companies, let alone multiple shares in each.

That all changes with Stash. Rather than needing thousands of dollars to invest, you need as little as $5. Because Stash allows you to invest in fractional shares, you can get pieces of well-known companies, such as Apple, Tesla, Amazon, and other well known companies.

And get this — just for creating and funding your personal portfolio with at least $5, you’ll get a $5 welcome bonus added to your portfolio*.

What’s more, with a Stash banking account(*1), you can earn pieces of stock from top brands when you use the company’s Stock-Back® card(*2).

Sign up for Stash today and start investing with just $5!

Click here to get your free $5, when you create and fund your account with $5.

4. Get Rid of Your Overpriced Auto Insurance, Find Out If It Can Be Much Cheaper in 2 Minutes

Peter Broomfield on Unsplash

We’ve got bad news. You might be wasting at least $500 every year on overpriced, second-rate car insurance. And you should probably switch your existing insurance right now because there’s probably something much better.

Let Gabi tell you in a matter of minutes how much money you might save. Gabi users save an average of $961 per year. This site will compare 40+ insurance providers for you to compare in one place. That’s a lot of time you’ll save. Just fill out a quick questionnaire.

If you find cheaper insurance than you currently have, Gabi can even help make the switch super easy. Gabi doesn’t even charge a fee!

See your rates now.

5. Travel More This Year (and try a Private Jet): take advantage of $1,000 in Promo Credits

Ondrej Bocek on Unsplash

We’ve all had a crazy past year, and we all are eager to travel more. Some of us still prefer keeping our distance from others.

It isn’t cheap but flying by private jet might be something you’re currently already doing or something on your bucket list.

Right now XO is offering $1,000 in promo credits towards flights.

Join XO global community with over 2,100 private aircraft, where you can instantly book an entire private charter or individual seat.

Sign up and get your free $1,000 promo credits towards flights before this deal is gone.

6. You Could Save Thousands on Your Mortgage With This Simple Move

Pixabay on Pexels

Your house is probably your biggest investment, which means it’s also one of your greatest opportunities to save money.

By refinancing, you could potentially save thousands of dollars on your house. Here’s how it works — you find a new home loan that, ideally, has a lower interest rate and better terms, and then use it to replace your current home loan. Sounds simple enough, right?

Because it is. And with Figure, you can check your mortgage refinance rates in just a few clicks without even impacting your credit score!

Find a loan with a lower interest rate and apply with Figure’s 100% online application. Once you’re approved, Figure will help you close out your new loan quickly so that you can start enjoying your new savings as soon as possible.

To start, check your mortgage refinance rates with Figure today and find out how much you could be saving on your house!

Figure Mortgage Refinance is only available in the following states: AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, WV.

7. Get Rid Of Credit Card Debt

Avery Evans on Unsplash

Credit cards often come with extremely high interest rates that keep users trapped in debt.

If you have credit card debt, you could eliminate it today by getting a personal loan through Credible.

By getting a personal loan that has a lower interest rate and using it to wipe out your credit card debt, you’ll be left with lower payments going forward.

This marketplace will find you multiple offers on personal loans. Run a search, compare all your options conveniently in one place, and find personal loan options that range from $1,000 to $100,000.

All it takes is two minutes to check out your rates with Credible and potentially find a loan that wipes out your credit card debt and saves you thousands. Credible’s Best Rate Guarantee means that you’ll even get $200 if you find a better rate elsewhere (*terms apply, see the Credible website for details)!

8. You Could Switch to a Cheaper Renters or Homeowners Insurance Policy in Minutes

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When was the last time you checked your renters or homeowners insurance rates? You could be saving money! For many people, there are cheaper rates floating around but they just don’t know where to look.

With this website, you can get multiple quotes at once with very little effort. Here’s how it works — you provide a few details about your home and this insurance comparison site will find rates from various companies for you to compare in 2 minutes.

This service is free to use and could help you make the switch to a cheaper policy in minutes.

Click here to see your rates today and find out how much you could be saving on homeowners or renters insurance!

9. You Could Use Your Home to Get Access to Up to $250,000

Rowan Heuvel on Unsplash

Being a homeowner has its perks. One of the more overlooked opportunities is the ability to get access to money that can be used for all sorts of purposes — fixing up your home, paying medical bills, or funding a family vacation!

That’s exactly what you get with a HELOC (home equity line of credit). A HELOC is a low-interest loan that uses the equity in your home as collateral.

Figure is an online lender that could help you get up to $250,000 against the equity in your home.

Plus, they make the process incredibly easy. Their application is 100% online application and it takes only 5 minutes to fill out. If you’re approved, you could get your funds in as little as five days!

Learn more about Figure and how your can use your status as a homeowner to get the money you need!

10. Use This Free Bank Account to Get Paid 2 Days Earlier

Aspiration

A bank account is supposed to make things easier for you and help you save money.

Aspiration is an FDIC-insured bank account that will get you your paycheck up to 2 day earlier when you sign up for direct deposit. It takes 5 minutes and they’ll even give you $25 for setting it up.

What’s more, the bank account and debit card comes with no fees and even gives you 5% cashback from participating retailers on purchases.

They also have a 55,000 fee-free ATM network, which is more than Bank of America, Wells Fargo, and Chase combined.

Open an Aspiration bank account today in 2 minutes!

Make Money Moves Like a Millionaire

A millionaire who doesn’t know how to use their money doesn’t stay a millionaire for long. Similarly, your own journey towards wealth won’t be forged through poor financial decisions.

Instead, make these 10 money moves today and start seeing the world through the eyes of a millionaire.

Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures. Promotion is subject to Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must complete the following steps: (i) click through the link above, (ii) successfully open a Stash Invest Account (otherwise known as your personal portfolio) in good standing, (iii) link a funding account (e.g. an external bank account) to your new Stash Invest Account, AND (iv) initiate and complete a deposit of at least five dollars ($5.00) into your Stash Invest Account.

(*1)Bank Account Services provided by Green Dot Bank, Member FDIC

(*2)Stash banking account opening is subject to identity verification by Green Dot Bank. In order for a user to be eligible for a Stash banking account, they must also have opened a taxable brokerage account on Stash. Bank Account Services provided by Green Dot Bank and Stash Visa Debit card (Stock-Back® Card) issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

The post 10 Surprising Money Moves You Can Make Without Being A Millionaire appeared first on Wall Street Insanity.

Bermix Studio on Unsplash

The pandemic has hit everyone financially, albeit in different ways. One thing is for sure — finding extra money can help everyone.

We’ve put together this list of nine ways you can do exactly that. By taking advantage of just one or all of these, you’ll potentially put a lot of extra cash in your best pocket.

The best part? They all take just minutes.

1. Reduce Your Car Insurance Bill in 2 Minutes

John Volante on Unsplash

There are more than 250 million cars in America. That means a ton of people are overpaying insurance companies.

Gabi is a tool every car owner should try. In just two minutes, it will compare auto quotes from up to 40 providers to get you new rates.

The service is completely free, and on average, Gabi users save $825. If it finds cheaper car insurance for you, it can help you switch over with ease.

Find out how much you can save now.

2. Get Rid of Your Current Mortgage

Stephen Leonardi on Unsplash

If you own a home, it’s likely your biggest expense. If you feel like you’re stuck with your current mortgage, you aren’t. And luckily for you, mortgage rates are at an all-time low.

You could find a new mortgage refinance rate with Axos in just a couple minutes, 100% online.

A mortgage refinance is simply replacing your current mortgage with a new one, potentially at a better interest rate and/or better terms.

Axos has a $0 lender fee and gives you the opportunity to earn 3% annualized cash back.

You can close your new loan in days, and if you choose to pay off your loan early, there is no prepayment penalty.

Fill out a short questionnaire, and in minutes, find out how much money you could be saving.

3. Don’t Pay Bank Fees, Save More Money, and Get Paid 2 Days Earlier

Chime

Bank fees are annoying and costly, but you no longer have to pay them.

Chime FDIC-insured bank accounts have no hidden fees, and no surprises. No monthly fees, and no foreign transaction fees. Plus, you’ll get access to over 38,000 fee-free ATMs.

It will get you paid up to two days early with direct deposit and allow you to earn interest up to 1% APY (more than 15 times the national average).

Banking with Chime makes things super easy, and Chime uses secure processes to protect your information and help prevent unauthorized use.

Sign up now in just 2 minutes.

4. Improve Your Credit by Staying on Top of it

Unsplash

One surefire way of wasting money is by having bad credit. Bad credit means higher interest rates when you need to get a mortgage, auto loan, credit card, etc.

A top way to improve your credit is by knowing where you stand.

Credit Sesame is a free credit monitoring tool that will give you a free credit score, free credit report card, and free credit monitoring.

It’ll let you know what factors are affecting your credit score and how to better it. It also throws in free ID protection.

Get Credit Sesame for free now.

5. Get up to $5,000 by the next business day without a cash advance or payday loan

Jp Valery on Unsplash

If you need cash fast for whatever reason, avoid cash advances or payday loans because these come with crazy high interest rates.

Instead, you may be able to get a personal loan from LoanPioneer — a lending marketplace with interest rates that start at just 5.9%.

All credit types are often accepted, and you can use the loan for any purpose.

Fill out a short questionnaire and you could have cash in your account as soon as the next business day!

6. Get Rid of Your Credit Card Debt (and This Months Credit Card Bill)

Shutterstock

If you enjoy paying sky-high credit card interest rates, then this section is not for you.

For everyone else with credit card debt, think about eliminating it today using Fiona.

Fiona will find you a personal loan with, potentially, a much lower interest rate than your credit card’s interest rate.

The loan can be used to pay off your credit card debt. This means you’ll be left with no credit card bill this month and your monthly bill going forward will be much smaller because the interest rate is lower. Even a small difference in your interest rate could save you a lot of money.

Take 60 seconds and find out what your rate would be with Fiona.

7. Get Online Customers For Your Business

Shopify Partners on Burst

The world has changed rapidly during the pandemic, with many things shifting online.

If you’re a small business owner, this could be a huge opportunity and you don’t want to be left out.

Constant Contact could bring your business online today; and if your business is already online, it could help you get more customers.

You can use Constant Contact to build an online website or online store to start selling digital and physical items right now. Because no coding skills are needed, you’ll save you a ton of money and time on tasks that you might otherwise need to hire a developer for.

If you already have a website, you can add Constant Contact signup forms to your site to start collecting email subscribers and then send them beautifully crafted email newsletters. You’ll be able to track how many people opened your email and more from the Constant Contact dashboard.

And that’s just scratching the surface — there’s so much more that Constant Contact can help your business with.

Get a free 60-day trial now. Plans start at just $10 a month after your free trial.

8. See if you Can Get $100 From this Company

Aspiration

Free money is something we think everyone would enjoy.

If you’re already making purchases with a debit card, this free $100 could probably be yours.

An FDIC-insured Aspiration bank account will give you unlimited cash back on your debit card purchases and a $100 bonus if you use your Aspiration debit card to make at least $1,000 worth of purchases within the first 60 calendar days from account opening.

You’ll also earn interest of up to 1.00% APY on your saving. Not to mention, you’ll get unlimited fee-free withdrawals at 55,000+ ATMs.

What’s more, Aspiration bank believes in no hidden fees; so you’ll enjoy extra money in your pocket at every turn.

Sign up now in just minutes and take advantage of the bonus offer. Fund your account with $100 or more and try it out today.

The post 8 Ways To Find Extra Money During The Pandemic appeared first on Wall Street Insanity.

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Remote work has risen in popularity over the last decade. And due to circumstances caused by the COVID-19 pandemic, this trend has only continued to skyrocket.

The benefits of remote work are evident for both employees and freelancers. They can wake up later in the day and spend less time commuting to and from their workplaces. Plus, money typically spent on gas and car maintenance stays in their pockets!

Businesses also benefit — namely, through increased worker productivity. Companies can also slash office expenses such as rent, utilities, and equipment by keeping employees remote.

Many businesses are making positions remote, creating plenty of opportunities to make money working from home.

Consider These Work-From-Home Jobs

Gain a second stream of income or skip the daily commute with these work-from-home jobs.

1. Proofreader

Do you exhibit sharp attention to detail and enjoy reading? Proofreading is one of the easiest work-from-home jobs to start. Find a part-time or full-time freelance gig for job security or launch a freelance career to earn more.

A proofreading course like Proofread Anywhere can give you some momentum. This free workshop will teach you the necessary skills you need to start your own proofreading business from home.

2. Teach English Online

English is the global language of business, so teaching it to students worldwide is in high demand. Fortunately, you can jump into this lucrative and fulfilling market right from home on VIPKid.

VIPKid teachers can earn up to $22 per hour. Plus, VIPKid provides you the curriculum and materials — you just have to show up and teach English to your students.

3. Bookkeeper

Bookkeeping is a function that every business needs, and it’s a role that many companies will hire someone to handle remotely.

You don’t need a college degree or extensive work experience to land a bookkeeping job, either. You just need basic bookkeeping skills and some experience with accounting software to start.

Ben Robinson, a former CPA and accounting firm owner, teaches how to launch a bookkeeping business in his free, 3-part class on Bookkeepers.com. You’ll learn key skills that help you stand out from the market and make good money bookkeeping from home.

4. Transcriptionist

Are you a fast typist? Consider looking for transcriptionist work. Transcriptionists convert audio recordings — such as interviews —into text. Some transcriptionists work for transcription agencies, others work in-house at companies, and many land remote jobs that allow them to work from home.

You can launch a career as a transcriptionist by taking Transcribe Anywhere’s free, 7-part mini-course. You’ll learn the skills you need, the keys to success, where to find work, and much more!

5. Blogger

Blogging is an excellent work-from-home job if you enjoy writing and expressing your thoughts. If you dedicate time to growing your blog over several months, you might even be able to quit your day job!

And even with the high income potential, getting started is easy and inexpensive. You’ll need to invest in a domain and web hosting. Fortunately, Bluehost offers hosting for only pennies a day — and they’ll throw in your domain name for free. Plus, with 1-click WordPress installation, you can get your blog off the ground as soon as today.

Once you have a steady traffic stream, you can earn money through ads, affiliate marketing, informational products (books and courses), and more.

Need help taking the first step? Read our article on how to start a blog in 8 steps.

6. eCommerce Store Owner

Online shopping is as popular as ever, so there’s plenty of opportunity to make a full-time income by selling products online.

Do some research on a niche, find a market of hungry buyers, and then start selling products to your market. With a little hard work, you could create a substantial income stream working from home.

Fortunately, you don’t need to be a tech genius or hire employees to build an online store. Just sign up with BigCommerce, a platform that allows you to manage your store’s operations in one intuitive interface. You’ll even get to try it for free for 30 days!

7. Tutor

Students often need a little extra help earning that elusive A in their classes. You can be that extra help by working from home as a tutor.

Finding work is easier than you think. Most of the time, you only need to be a 4-year college student or have a bachelor’s degree in any subject.

With these simple qualifications, there are websites that let you sign up as a tutor and find work through their platform. Launching a freelance tutoring business can become even more lucrative if you’re willing to handle the other aspects of running a business.

8. Writer

Writing is a broad field with plenty of work-from-home opportunities. You can write about nearly any subject you want and get paid for it.

Plus, there are different types of writing you can specialize in:

• Academic writing
• Content writing
• Copywriting
• Fiction writing
• Technical writing
• … and others.

When you’ve chosen a niche and type of writing you want to pursue, launch your career on platforms like Upwork and other job boards. Score some portfolio pieces, collect testimonials, network, get referrals, and soon, you’ll have a thriving writing business.

9. Web Developer

As more and more commerce moves to the online arena, many businesses are in need of websites — making web developers highly sought after.

As a web developer, you’ll bring a business’s website design to life using programming languages and technical skills. If you don’t have the skills necessary to become a web developer but want to learn, there are tons of free resources online.

And the best part? This is a job you can do from the comfort of your own home.

10. Virtual Assistant

The role of a virtual assistant is one of the most flexible and in-demand work-from-home jobs. Businesses of all sizes need virtual assistants to help them handle many of their administrative functions.

As a virtual assistant, you’ll perform a wide range of tasks, such as:

• Answering phone calls
• Booking travel
• Email management
• Data entry
• Scheduling
• Social media

11. Customer Service Representative

Customer service has become one of the most outsourced jobs. If you’re empathetic, can multi-task, and have strong problem-solving skills, this could be the work-from-home job for you.

You’ll need a laptop and Wi-Fi at the very least for most of these jobs, but some companies may require you to buy a headset. You might also need to become proficient in certain technologies and products for tech-oriented customer service roles.

You can find customer service work online — either through a customer service agency or for a specific company.

12. Graphic Designer

Graphic design could be your next work-from-home job if you enjoy creating visual art while earning some income. In addition to developing your artistic talent, you’ll need to learn programs such as Photoshop and Adobe Creative Cloud.

You can create logos, album covers, web pages, product packaging, brochures, and more for companies. You can also launch an online business where you sell products with your designs on them.

13. Video Editor

Video editing can be an exciting job if you have the technical skills and software know-how.

Video editors can work on films, TV shows, YouTube videos, video tutorials for various companies, and more.

14. Voice Actor

Ever been told you have a voice for radio? Consider monetizing your vocal talents with some voice acting work.

There are plenty of places to find voice acting work from home. For example, audiobook sites often need new narrators to narrate books. YouTube channels need voiceover artists for explainer videos as well. You might even be able to find work on ad campaigns as a voice actor.

15. Photographer

Have an eye for a picture-perfect moment? Photography is a fun work-from-home job, as you have the freedom to be creative while also getting paid. To get started, you’ll need to develop photography skills and purchase the necessary editing software and equipment.

As for work, you can work for an agency or freelance. Additionally, you can build a portfolio of photos on photography licensing sites and earn passive income through royalties.

16. Social Media Manager

If you have a knack for marketing and are able to multitask, consider becoming a social media manager. For this job, you’ll need to be familiar with most major social media platforms. You’ll be responsible for engaging with customers online, planning social media campaigns, and evaluating analytics.

Social media management positions are often full-time or part-time jobs, but you can also freelance if you choose.

17. Translator

Know multiple languages? You can use these skills to land remote work as a translator.

As a translator, you might choose to translate documents, audio files, books, and more. Being multilingual is a valuable skill in our global economy, so there should be no shortage of work.

18. Stylist

Believe it or not, you can become a stylist from home if you have an eye for fashion and can put together a fashionable wardrobe for people.

Formal online stylist jobs aren’t common, but you could launch a stylist business by working through Stitch Fix.

19. Software Developer

Know how to code? If not, are you willing to learn? With tech booming, software development is one of the most in-demand and lucrative jobs. And given its technical nature, plenty of work-from-home opportunities are available.

Alternatively, you can use your programming skills to create an app or software product and sell it. More work is involved, but this comes with more income.

20. Data Entry

If you pay great attention to detail, can type fast, and are willing to put up with some monotony, data entry makes for a straightforward method of earning money from home.

Data entry jobs are everywhere. You can run a Google search and finds hundreds of opportunities all over job boards, freelance marketplaces, and more.

Other Ways to Make Money From Home

You don’t need to find a job or start a business to earn extra cash from home. Here are some ways to supplement your income without leaving the house.

Listing Your Room/Home

If you have an extra room in your home, you’re sitting on a fantastic income stream. Consider renting out that extra room to people using VRBO. Book enough guests each month, and you could cover most of your rent or mortgage payment.

Check out how much you can make with your extra room on VRBO today.

Listing Your Extra Space

Perhaps you don’t have an extra bedroom available, but you have some spare room in a closet, your garage, or your driveway. You can squeeze some money out of this extra space by listing it for rent on Neighbor.

Listing your space is free, and you can sign up and start making money in as little as 5 minutes.

See how much your extra space could make you on Neighbor today.

Taking Surveys

Want to earn cash for your thoughts? Survey sites pay you to give your opinions in surveys and polls. Some of the top survey sites include:

• Swagbucks
• Survey Junkie
• Pinecone Research

Where Do You Find Work-From-Home Jobs?

You can find work-from-home jobs on all sorts of job sites, but your time will best be spent on remote-focused job boards, such as FlexJobs.

FlexJobs curates top work-from-home jobs from thousands of companies across dozens of industries. Plus, they offer job search resources like career coaching to help you land that next remote job.

Be Wary of Work-From-Home Scams

Working from home is the dream for many. Unfortunately, there are plenty of scammers that prey on those seeking that next remote opportunity.

These scammers will ask for information you’d typically give to a new employer — such as your bank account number or Social Security number — to steal your money or identity. Consequently, you have to be on your toes when looking for remote work.

Claims that you’ll earn a lot of money for little work or see huge leaps in your income, or demands for upfront fees are telltale signs of a scam. If they offer you a job without an interview, it’s likely that they aren’t a real company, either.

Here are some signs that a company is legitimate:

• You find numerous mentions of the company online
• They don’t ask for bank information or your Social Security number until you’re hired
• Pay is reasonable, relative to job requirements
• No mention of benefits
• They request samples and/or references

Work and Earn From the Comfort of Your Home

Whether you’ve lost your job, are looking for a side hustle, or want to spend more time with family, look into some of the jobs above. Remember to be wary of scams while you’re searching. If it sounds too good to be true, then it probably is.

The post 20 Of The Best Work-From-Home Jobs For 2021 appeared first on Wall Street Insanity.

Simon Abrams on Unsplash

Looking for a new part-time job? Perhaps you’ve already got a job you love but are looking to supplement your income with some extra earnings. Maybe you’ve got a limited number of hours you’re able to work each week.

Whatever the case, the best part-time jobs are out there. Many of them have a low barrier for entry and reasonable starting pay rates. Here are 32 of the top options!

1. Delivery Driver

Don’t mind spending time in the car? Consider becoming a delivery driver. Today, you can deliver just about anything — food orders, groceries, and office supplies, to name only a few.

By signing up with a company like Postmates, you can deliver all sorts of items –not just food — leading to a potentially steadier flow of incoming delivery jobs.

As a driver, there are no fees or time commitments. In fact, you choose when you want to work, and take home 100% of your earnings — plus tips! You can cash out instantly or take advantage of free weekly deposits.

Requirements: Be at least 18 years old, have your own smartphone, and pass a Postmates background check.

Earning potential*: Delivery drivers earn $10 – $25 per hour, depending on your hours and location.

2. Shopper

Would you shop all day, every day, if your budget allowed it? Well, get this — you can actually shop for other people as a part-time job!

One platform that makes it easy to become a part-time shopper is Instacart.

What makes Instacart great is that you can choose what time of delivery services you want to provide. As a full-service shopper, you get to work as an independent contractor, using your own vehicle to shop and deliver orders during the hours that work for you.

As an in-store shopper, on the other hand, you’ll work as an actual part-time employee for Instacart. That means you won’t need to use your own vehicle and you’ll only be required for shopping — no deliveries.

Requirements: To work as a shopper, you will most likely need your own vehicle or means of getting to and from different locations. For Instacart, specifically, you’ll need to be at least 18 years old, have your own smartphone, and be able to lift up to 50 pounds.

Earning potential: Shoppers earn roughly $13 – $15 per hour, although Instacart claims that their shoppers can earn up to $25 per hour.

3. Pet Sitter

Love cats or dogs? Pet sitter is one of the best part-time jobs available, as it allows you to earn reasonable income while enjoying the company of adorable pets!

There are plenty of pet owners who take vacations, business trips, or short getaways, and are in need of people whom they can trust to watch their pets.

Rover is a site that connects pet owners to pet sitters. As a pet sitter, you can choose the types of services you want to provide — whether it’s boarding, house sitting, drop-in visits, daycare, or walking services.

What’s more is that Rover allows you to set your own preferences and rates, so you decide which jobs you take and how much you want to make.

Requirements: Potentially pass a background check.

Earning potential: As a part-time pet sitter, you could average $1,000 or more each month, dependent on your schedule and rates.

4. Online English Teacher

There are students all over the world who are looking to learn the English language, and you can be their teacher — without ever leaving your home!

With a platform like VIPKid, all you need to do is fill out a short application and you could be accepted as an online English teacher in no time.

VIPKid provides you with all of the lessons to eliminate planning — you just have to teach it!

Requirements: Your application is more likely to be accepted if you have any degrees or certifications.

Earning potential: Online English teachers can expect to make between $13 and $20 per hour. VIPKid claims that their teachers average $22 an hour.

5. Bookkeeper

Businesses of all sizes have at least one thing in common — the need for bookkeepers!

With some very simple training, you could get your own bookkeeping career off the ground. Right now, you can actually claim a free spot at three exclusive bookkeeping classes with Bookkeepers.com.

Master the basics, be willing to use different software, and you could have a fruitful career as a part-time bookkeeper!

Requirements: Freelance bookkeepers don’t always need a degree or certificate. Employed bookkeepers may need a high school diploma and possibly a certificate.

Earning potential: Bookkeepers earn roughly $17 – $22 an hour.

6. Blogger

Love the idea of sharing your thoughts with people online? If you start your own blog and stick with it, blogging can turn into one of the best part-time jobs!

Plus, it’s easy to get your blog up and running! With a web host like Bluehost, you’ll get a free domain name for a year, a free SSL certificate, and a one-click WordPress installation, allowing you to get your blog off the ground as soon as possible!

When your blog is set up and you’re ready to monetize, you can use methods such as content marketing, advertising, and selling merchandise to generate income.

If you don’t want the headache of finding a web host, choosing a domain name, and setting up a website, you can easily blog on a free platform — like VOICED. Sign up with VOICED and you’ll always have a place to share your thoughts, connect with others, and build an audience!

Requirements: None.

Earning potential: Stick with blogging and you could earn respectable part-time income. Top bloggers are even able to fully replace their income through blogging.

7. Proofreader

If you pay attention to detail and can spot errors easily, you could become a part-time proofreader. Proofreaders often work at firms and agencies, or they go the freelance route!

First, you may need a little training. At Proofread Anywhere, you’ll learn the art of proofreading and how to launch your own proofreading business with this exclusive, 76-minute workshop!

Requirements: Proofreading knowledge and training preferred.

Earning potential: Depending on whether you work at an agency or if you’re a freelance proofreader, you could average anywhere between $18 and $30 per hour.

8. Transcriptionist

If you’ve got a knack for typing, you might consider a job as a transcriptionist. While it might not be the most thrilling line of work, it’s an easy way to make part-time income.

And you can get the training you need for the job through a 7-lesson mini-course from Transcribe Anywhere. The program will help you master transcription practices and also show you how to earn money as a professional transcriptionist.

Requirements: Transcription knowledge and training preferred.

Earning potential: The average transcriptionist makes roughly $15 an hour but advanced transcriptionists can earn upwards of $25 per hour.

9. Online Store Owner

If you’re a salesperson at heart, think about launching your own online store as a part-time job. You can sell just about anything online — find a niche, determine whether there’s a reasonable market for it, and then build your online store!

A service like BigCommerce makes this easy. The platform allows you to manage and track all of your products, orders, and inventory, and it supports most major payment methods.

Not to mention, you can use a 30-day free trial from BigCommerce to launch your online store as soon as today!

Requirements: None.

Earning potential: Depending on your product, your store, and how you market your products, the potential for earnings is limitless!

10. Server

Server is one of the best part-time jobs for a few reasons — they’re relatively easy to get, employers are often able to work with your schedule, and you can make pretty good money after tips!

If you don’t mind the hustle and bustle of a restaurant or pub, and the stress of the occasional demanding customer, consider filling out an application. You can get a job as a server with little more than a good personality. Most of the time, no degree or diploma is required!

Requirements: None.

Earning potential: Servers are able to average at least $10 – $12 per hour with tips.

11. Landscaper

If you enjoy spending time outside, don’t mind manual labor, and have an eye for maintaining lawns, gardens, and other outdoor landscapes, you might be well suited for a part-time landscaping job.

As a landscaper, you can work as a municipal employee, for a landscaping company, or for yourself! While you’ll be responsible for simple tasks, such as mowing lawns and trimming bushes, you should also be prepared for duties like planting and mulching.

Requirements: None, but you will need the right equipment for the job.

Earning potential: Landscaping isn’t a particularly high-paying job, as you should expect to make roughly $10 – $15 an hour, but you’ll find that there is always work available.

12. Barista

If a fun, upbeat work environment is important to you, barista might be one of the best part-time jobs for you!

Coffee shops often provide all of the training needed for the job. Just be willing to learn the different terminology, machines, and techniques; and maintain a positive attitude with customers.

Apply to a major chain, such as Starbucks or Dunkin Donuts, or to a smaller roaster, like your hometown coffee shop!

Requirements: High school diploma or GED preferred but not required.

Earning potential: The average barista earns $10 – $13 per hour.

13. Bartender

Looking for a part-time job during the evenings, perhaps after your regular nine-to-five? Don’t mind serving drinks, cleaning glasses, or working in a lively and sometimes rowdy environment?

Try your hand at bartending. As a part-time bartender, you’ll be responsible for a wide range of tasks — mixing beverages, checking identification, collecting money, and conversing with customers.

Like servers, bartenders start at a low base pay rate but are able to add significant earnings to their income through tips.

Requirements: Be at least 18 or 21 years old, depending on where you live.

Earning potential: The average bartender earns about $10 – $12 an hour, but depending on the establishment (restaurant, bar, nightclub), can make quite a bit more.

14. Freelance Writer

If you have a way with words, you can build up a solid part-time career as a freelance writer.

You’ll need to choose the type of writing services you want to provide — whether it’s content writing, copywriting, technical writing, academic writing, or other services.

Once you’re ready to kick off your freelance writing career, you can start building up your clientele through freelance platforms, social media networks, referrals, and even word of mouth!

Requirements: Most clients will want to see that you have some experience, whether it’s a four-year degree or relevant certifications.

Earning potential: Your earnings entirely depend on the type of writing services you provide and the rates you set. The average content writer can make anywhere between $15 and $30 per hour, but top copywriters are able to charge upwards of $50 an hour for their services.

15. Freelance Graphic Designer

If you possess artistic talent and want to finally show it off while earning part-time income, consider working as a freelance graphic designer.

Design anything from logos and web pages to album and book covers. Whatever your specialty, you’ll want to make sure that you have the tools of the trade. The majority of today’s graphic designers use software like Adobe Creative Cloud, Photoshop, and After Effects for their graphic design work.

Requirements: As a freelance graphic designer, you’re not required to have any degree or certificate, and the reality is that many are self-taught. However, a four-year degree or certification can go a long way in attracting clients.

Earning potential: Your earning potential is dependent on the rates you set and the types of services you provide. Many freelance graphic designers are able to charge between $25 and $30 per hour.

16. Photographer

Have a passion for capturing beautiful landscapes or precious moments? Photography is one of the best part-time jobs, not only because the work is highly rewarding but also because it has significant earning potential.

In addition to artistic ability, you’ll need to develop technical skills and learn how to use editing software. You’ll also need to invest in your own equipment — cameras, lenses, and computer programs.

Requirements: No four-year degree or certification is required, but technical skills are needed.

Earning potential: Working for an agency, you might average $15 – $20 per hour; but as a wedding photographer, you could earn upwards of $50 an hour.

17. Lifeguard

Prefer to spend your time by the pool or ocean? Want a job that allows you to get some sun, stay in shape, and also make a difference?

Maybe lifeguard is the perfect part-time job for you. As this is a skilled position, it does require some training; but the skills you develop for the job could be lifesaving.

Requirements: Requirements vary by state, but you should be at least 15 years of age (in most states), be a confident swimmer, and have current lifeguard, CPR, and first aid certifications.

Earning potential: The average lifeguard earns $12 – $15 per hour but you can make $20 or more, depending on the organization and location.

18. Administrative Assistant

If you’d prefer a desk job with set duties each day and have strong organizational skills, consider working part-time as an administrative assistant.

What’s great about the administrative assistant position is that it comes with a shallow learning curve. Particularly if you already have experience in an administrative role, you should be able to step right into a part-time administrative assistant role with little training.

Requirements: A high school diploma or GED at a minimum.

Earning potential: While the position doesn’t have much upside in terms of income, you can expect to earn roughly $12 – $18 as an administrative assistant.

19. Brand Influencer/Ambassador

As little as 15 years ago, it would’ve been difficult to imagine someone making a living by promoting brands on their personal social media accounts.

But today, those with large followings are able to use their influence for one of the best part-time jobs — brand influencer! Keep in mind, though, that income is usually inconsistent. You’re not paid by the hour, but rather, by post.

Requirements: There are no education or experience requirements to become a brand influencer, but you’ll need a large social media following to get work.

Earning potential: Your earnings are relative to your follower count and influence. A sponsored post might pay as little as $25 or as much as tens of thousands of dollars.

20. Caterer

If you love to prepare food and want to channel that passion for cooking into a viable part-time career, become a caterer!

As catered events are often held in the evenings or during weekends, you can find work that doesn’t disrupt your schedule. If you plan on offering full-service catering, keep in mind that you may need to hire a little help!

Requirements: As a caterer, you’ll need your food safety certification. Formal training or experience in the culinary arts, although not required, is recommended.

Earning potential: Income is dependent on your profit margins and the number of events you choose to take on, but catered events often cost between $500 and a few thousand dollars.

21. Makeup Artist

Are you skilled with the makeup palette? As a part-time makeup artist, you could meet all sorts of people — including local and national TV personalities and celebrities.

In addition to the ability to apply makeup of different complexities, you’ll need to have a good understanding of lighting and photography. You’ll also need to adhere to personal hygiene and health requirements.

Requirements: Diploma from a school of cosmetology is preferred.

Earning potential: The average makeup artist earns $20 – $25 per hour.

22. Customer Service Representative

If you’re a problem-solver at heart, a part-time job as a customer service representative could be a great fit for you.

Of course, you’ll need thick skin for this kind of position. You’ll likely be dealing with issues and complaints around the clock, so the ability to manage stress and work with different personalities is critical.

Requirements: High school diploma or equivalent.

Earning potential: As customer service representatives are used in almost all industries, income varies from job to job. On average, you should expect to make between $12 and $16 an hour.

23. Hair Stylist

Maybe makeup’s not your thing, but what about hair? As a part-time hair stylist, you could enjoy a highly creative job and a flexible work schedule.

For the job, you’ll need to understand a range of different hairstyles and hair textures, as well as the different products that are used to achieve various looks — from shampoos to dyes to razors and everything in between.

Requirements: Diploma from a school of cosmetology is preferred, and many salons require licensing.

Earning potential: While most hair stylists earn between $10 and $15 an hour, they also earn tips.

24. Retail Worker

While many aren’t cut out for work in retail, there are others who thrive in the retail environment. If you’re the latter, retail worker is one of the best part-time jobs, as it has a fairly low barrier to entry.

Retail workers are required to know the store’s products and systems, but they also need to be flexible and available for customer questions.

Requirements: High school diploma or GED is preferred.

Earning potential: While retail workers earn $10 – $14 on average, there is some reasonable potential for growth. Retail workers are often able to advance to senior sales workers, supervisors, and department managers.

25. Bank Teller

If you prefer routine tasks and a quiet environment, you might be cut out for a part-time job as a bank teller.

As a bank teller, you’ll need to not only to communicate with customers but also deal with numbers — whether it’s using financial programs, looking at account balances, or counting cash drawers.

Requirements: A high school diploma or equivalent is required and a four-year degree is often preferred.

Earning potential: The average bank teller earns $11 – $16 an hour.

26. Nanny

If you have a natural gift for nurturing children, cooking meals, and keeping a home clean, you might be best suited for a job as a part-time nanny.

While the job of a nanny is often a full-time, there are some families who may only need you to watch their children for a few hours during the evenings or for a couple of days each week.

Requirements: None, although many families will want you to complete a background check.

Earning potential: As a nanny, your rate is dependent on the number of children you’re responsible for and the different tasks you’re required to handle. On average, a nanny earns $14 – $20 per hour.

27. Virtual Assistant

Want a part-time job that allows you to work from the comfort of your own home? Today, companies large and small are in need of virtual assistants.

As a virtual assistant, you’ll be busy with a wide range of tasks — from answering phone calls to managing calendars to booking travel and accommodations and much more!

Requirements: A high school diploma or equivalent is preferred. You’ll also need a stable internet connection and experience with various computer programs and software.

Earning potential: Virtual assistants earn between $15 and $20 on average.

28. Social Media Manager

Although the position of social media manager is often a full-time job, many smaller companies or those without much of a social media presence only need part-time help.

As a social media manager, you’ll need to be comfortable navigating all major social media platforms, and should be able to implement strategies that increase brand awareness and generate leads.

Requirements: A four-year degree in business, marketing, or another related field is preferred. Proficiency in various social media programs, as well as Google Analytics, is often needed.

Earning potential: While income depends on your experience and impact, the average social media manager makes between $15 and $25 per hour.

29. Fitness Instructor

Passionate about helping people live healthier lifestyles and seeing them achieve their fitness goals? Fitness instructor is one of the best part-time jobs, as it allows you to play a key role in others’ personal improvement and long-term health!

Of course, for this type of position, you’ll want to be in great shape and maintain a healthy diet. You’ll also need to be knowledgeable about how the human body works and how different exercises generates results.

Requirements: Be at least 18 years old, and have current NCCA and CPR certifications.

Earning potential: The average hourly rate for a group fitness instructor falls between $20 and $25.

30. Real Estate Agent

With a knack for sales and an interest in the property market, you could launch a career as a part-time real estate agent.

As real estate agents earn a commission of roughly 5% or more with each sale, even a sale or two can generate part-time income. You’ll be required to form close relationships with clients, learn their preferences, and work with their budgets.

Requirements: You’ll need a real estate agent’s license, as well as knowledge about the industry and market.

Earning potential: While real estate agents aren’t paid by the hour, earnings from sales are significant. 5% commission on a $300,000 sale generates $15,000 in income, for example.

31. Massage Therapist

As a massage therapist, you’ll be responsible for manipulating muscles and tissue, providing customers with a therapeutic, relaxing, and safe experience. Of course, this means that you’ll need to communicate well with your customers and keep access to their treatment records.

With the average session lasting roughly 30 – 60 minutes, you can sprinkle sessions throughout your week to generate reasonable part-time income!

Requirements: You’ll need a current massage therapy certification.

Earning potential: On average, massage therapists earn between $15 and $22 per hour.

32. Mail Carrier

If you like to drive and want a job that will keep you active, mail carrier is one of the best part-time jobs available.

Of course, you’ll need to map routes, deliver mail all over your town, and pick up outgoing mail; but you’ll also need to lift heavy packages and even drop them off at doorsteps.

Requirements: To be a mail carrier, you’ll need a high school diploma or equivalent, a valid driver’s license, and a good driving record. You’re also required to be a U.S. citizen and must pass a background check.

Earning potential: Mail carriers earn roughly $13 – $17 per hour.

Reasons to Get a Part-Time Job

There are plenty of reasons to consider getting a part-time job:

• Earn money while in school or college.
• Earn money in retirement.
• Earn money while managing a home or raising children.
• Add money to your full-time income.
• Earn benefits not provided by your full-time employer.
• Try out a different career.
• Transition from one career to another.
• Fill some of your downtime.
• Add more work history to your resume.

What Is the Difference Between a Full-Time Job and a Part-Time Job?

In terms of weekly workload, a full-time job typically involves 30 – 40 hours each week, while a part-time job involves 30 hours or fewer.

As for benefits, full-time employees typically receive paid time off, health insurance benefits, and retirement plan opportunities, while employers aren’t obligated to offer these kinds of benefits to part-time employees.

What are the Highest Paying Part-Time Jobs?

How much you earn at your part-time job is highly dependent on your employer, location, and your experience.

However, some industries typically pay more than others. You’re likely to earn more money as a real estate agent or massage therapist than as a retail worker or barista.

What Is the Best Part-Time Job at Home?

The internet has turned hundreds of part-time jobs into jobs that can be performed at home.

Today, freelance jobs are wildly popular and offer some of the best work-from-home opportunities — whether it’s writing, graphic design, transcription, or proofreading! Some other best part-time jobs include virtual assistant, customer service representative, and online teacher.

Your Next Part-Time Job Is Waiting

Whether you’re looking to boost your income or gain more work experience, there are plenty of part-time job opportunities to be seized.

And now with 32 of the best part-time jobs, you have plenty of ideas to get you started!

* As data on average earnings varies greatly from source to source, we used figures from Indeed, GlassDoor, ZipRecruiter, and PayScale into account to calculate a broader overall range that represents the earning potential of each job.

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