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Have you ever wondered whether all those websites offering to pay you money for taking surveys are actually legit? This Survey Junkie review is going to teach you all about the popular online survey site, where users get paid to provide their opinions.

You likely already know that you can earn money online pretty easily. Have you ever heard of (or tried) online surveys that pay people to give their honest input? It’s legitimate market research that brands are willing to shell out serious cash for – and you can easily get in on the action.

Paid surveys can be one of the easiest non-conventional ways to make money online, with Survey Junkie being one of the best. But before you’re ready to create an account and start taking surveys on the site, you’ll probably find yourself asking: “Is Survey Junkie legit?”

We can confirm that the site is legit, and we’ll also walk you through how Survey Junkie pays its users.

How does Survey Junkie work, and how can you start getting paid?

Continue reading for everything you need to know!

First Things First: Is Survey Junkie Legit or a Scam?

The internet can be a risky place, but the threat of scams can be greatly reduced by simply doing a little research!

If you’re reading this Survey Junkie review to figure out whether or not the site is a scam, have no fear! It’s totally legit – so legit that it has an 8.6/10 rating on Trustpilot from over 9,000 reviews. That kind of score is classified as “great,” in case you’re wondering!

One of Survey Junkie’s many awesome features is that you don’t have to provide very many details about yourself when you’re signing up for the site – so don’t worry about being forced to throw your privacy out the window.

Survey Junkie already has over 10 million members, which is a pretty good testament that it’s doing something right!

How Does Survey Junkie Work?

This online survey site is very straightforward.

Users sign up and build a profile that will match them to surveys relevant to their lifestyles. After surveys have been completed, they get rewarded with the corresponding points instantly.

Each point is equal to one cent (USD). After your account reaches $10.00 (1,000 points), you can cash out via a PayPal transfer, Dwolla, or an e-gift card from a popular retailer (like an Amazon gift card, for example).

Survey Junkie

Apart from earning points for doing surveys, Survey Junkie also rewards users for completing the sign-up process and creating a profile.

Survey Junkie

Survey Junkie offers:

• Product Testing ($5-$50, once a month or less): After completing a brief online survey, test products at home and then share your opinion on the experience.
• Online Focus Group ($25-$100, once a month or less): Participate in an online meeting with people similar to yourself, which may require a webcam.
• In-Person Focus Group ($25-$150, once a month or less): An in-person meeting with a group of participants like yourself, where you’ll be asked about your opinions on a product or service. The time and location are agreed upon in advance.
• Phone Survey ($5-$100, once a month or less): Take part in a phone interview to provide your thoughts on a specific product or service.

How much Does Survey Junkie Pay?

In this Survey Junkie review, we must be clear that no survey site will make you rich. You can, however, boost your regular income by squeezing in some surveys here and there whenever you have the time.

Survey Junkie offers surveys of varying prices that take different amounts of time to complete – so how much you earn comes down to how much time and effort you put into it. Your earnings are also influenced by the surveys you take.

How To Get Started:

Why does Survey Junkie work for so many users out there? Perhaps it’s because this site is super easy to join.

Creating a free account takes just a couple of minutes. On the homepage, click Join Now, where you can choose to sign up with your Facebook account or an email address.

Survey Junkie

If you sign up with your email address, you’ll be asked to confirm it. You’ll then be ready to build your profile!

In order to match you with the most appropriate surveys, Survey Junkie will take you through a quick questionnaire.

After you finish, you can start taking surveys and racking up points!

It won’t take too long to reach the $10.00 minimum threshold to cash out, so you can receive your first payment pretty quickly – and get your own answer to the question “Is Survey Junkie legit?”

Survey Junkie isn’t a scam. Instead, it’s a widely trusted way to earn money online without needing any special skills or tools.

Check out Survey Junkie for yourself and earn points just for signing up!

The post Survey Junkie Review: Is This Paid Survey Site Legit Or A Scam? appeared first on Wall Street Insanity.

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If there’s one thing that we can all agree on, it’s that Walmart gift cards are just as good as cash. You can buy absolutely anything at these beloved superstores – both in-store and online.

Very few people would deny that Walmart is one of the most affordable shopping experiences out there. The choices are endless, the prices are doable, and the convenience of online shopping is on par with the best e-commerce giants in the world.

That’s why pretty much all of us could quickly find a way to spend Walmart credit, buying stuff for our closets, garages, vacations, babies, and the list goes on. You can simply get anything you want from this retailer.

What’s better than being gifted a gift card from Walmart? Short of getting cash, nothing! Did you know that you can quickly earn Walmart gift cards from a number of companies?

For completing some simple sign-up processes, taking surveys, or doing other easy tasks (mostly online), companies and organizations will literally pay you in free Walmart gift cards.

It may sound too good to be true, but continue reading to check out some popular, reliable sources of gift cards for Walmart.

1. Survey Junkie

Survey Junkie

Want to become an influencer? Survey Junkie pays people just like you to provide your honest opinion, which helps brands deliver improved products and services to consumers.

You can easily sign up and build your personal profile, which Survey Junkie uses to match you to surveys. Once you start racking up virtual points after finishing surveys, you can redeem your points for PayPal credit or e-gift cards (such as free gift cards from Walmart gift!).

2. InboxDollars ($5 signup bonus)

InboxDollars

With InboxDollars, users earn cash back rewards by doing some easy and entertaining online tasks, including taking surveys, playing games, shopping, and watching videos.

It’s a straightforward and easy way to earn free money, and they have already paid out over $57 million to its massive user base. And, of course, you can redeem your earnings in the form of free Walmart gift cards.

3. Nielsen

Nielsen

You’ve probably already heard about Nielsen research at some point in your life, because it’s a well-respected research organization. Well, did you know that Nielsen pays regular internet users (like you) if you simply give them access to your internet usage?

They do! It’s called the Nielsen Computer and Mobile Panel, and it’s easy to set up (and start getting paid). You just have to enable them with access to your internet-enabled devices, then go online every day like you typically would!

4. Ibotta ($10 signup bonus)

Ibotta

Keep your receipts, people! With Ibotta, you can score free rewards by simply showing your receipts from department stores, grocery stores, and a plethora of other shopping locations.

The process is quite simple and straightforward: go on the app and select the products you would potentially buy, then snap a photo of your shopping receipts and upload them into the Ibotta application. That’s all you need to do!

The cash back rewards are very diverse – from $2 cash back on dog food to $1 cash back on over-the-counter heartburn medicine. Once you’ve accumulated enough, you can redeem your rewards in the form of a PayPal payment, a Venmo transfer, or a gift card.

It’s another easy way to earn Walmart gift cards.

Right now, you can get an instant $10 bonus by clicking here and getting started with Ibotta.

5. Swagbucks ($5 signup bonus)

Swagbucks

Are you ready to score $5 in Walmart gift cards just for completing a sign-up process? Look no further than Swagbucks – the platform that rewards you to log on and surf the web like you usually do.

For simply browsing the internet like you always do, Swagbucks actually pays you in the form of a PayPal transfer or free gift cards, including ones from Walmart. Your online activities can include watching videos, answering surveys, playing online games, and just surfing the web in general.

It’s such a well-renowned and popular platform that they’ve already paid over $320 million to their user base. Swagbucks send out 7,000 gift cards every day, so there is more than enough for the taking!

6. Rakuten ($10 signup bonus)

Rakuten

Want a high-value cash back program, but don’t want to have to worry about calculating points?

Rakuten offers up to 40% cash back at more than 2,500 retailers, and there are no points (or fees) involved. From Sephora and Neiman Marcus to The Container Store, Rakuten enables you to get cash back on some of the most popular retailers in the country.

It’s simple to earn with Ebates: you just sign up, start shopping through the Rakuten portal or app, then your cash back rewards will show up in your account. It’s that easy!

Your rewards can be redeemed in the form of a PayPal transfer or a check.

Plus, Rakuten is currently offering a $10 bonus for signing up — which can be redeemed right away so that you can instantly earn Walmart gift cards!

7. Vindale Research

Vindale Research

With Vindale Research, users can get paid to take surveys on any device – so you can earn both at home and while you’re on the go!

Vindale Research has already paid its members more than $6,955,991 for taking easy surveys online, and there are hundreds of paid surveys added to the site every day.

All you need to do is share your demographic information, and the site will match you with relevant surveys. You can browse which surveys are available, or just let Vindale email you when new surveys pop up that you qualify for. Along the way, this site protects your information with TRUST-e certified data privacy and provides you with a full-service support team.

Don’t like worrying about calculating points? Vindale Research pays you with straight-up cash via PayPal or a check, so there is no need to worry about how many points amount to how much you’ve earned. Once you redeem your earnings, you can then convert them into free Walmart gift cards!

Sign up now for a free $1 bonus!

8. OneOpinion

OneOpinion

OneOpinion rewards its survey-taking users in a two convenient ways: prepaid credit cards and PayPal credit. Once you complete a survey with OneOpinion, points will be added to your account immediately!

Apart from this quick redemption process, OneOpinion is known for being very clear about each task, how long it takes, what you will earn, and what you are required to do.

But, perhaps what OneOpinion users love the most about this survey site is the customer service. For 24 hours a day, users can reach out to Member Services for anything they need – making earning money with OneOpinion incredibly easy!

9. PointClub

PointClub

You can start earning both cash and gift cards in just two simple steps after you sign up for PointClub – a site that pays you to take surveys.

Users who join PointClub earn points for taking surveys then redeem those points for either cash or gift cards from various retailers, including Walmart (and you can choose between receiving e-gift cards or physical ones). Not only does taking surveys rack up points, PointClub is always coming up with new ways to give you points – like when you confirm your email or link a social media account.

PointClub is totally free, and even gives its new users a $5.00 sign-up bonus when they first join.

10. i-Say

i-Say

Do you want your personal opinions to make more of a difference in this world? With i-Say, your say matters quite a lot – and will actually land you free Walmart gift cards in the process.

Three million people have already scored free rewards by participating with i-Say, which rewards people for simply giving their honest thoughts via online surveys. After you accumulate enough rewards, you can redeem them and earn Walmart gift cards! Users are in total control when it comes to which rewards they want to receive.

On top of regular rewards, i-Say does regular contests where you’ll get a chance to win even more!

11. MyPoints ($10 signup bonus)

MyPoints

With MyPoints, you can earn gift cards from Walmart by doing easy and fun online tasks.

It’s not too good to be true! Users on the site have collectively already hauled in $236 million in free rewards.

To earn with MyPoints, you can take online surveys, play games, and watch videos. You can also get cash back online shopping like you typically would at popular retailers (including Walmart, eBay and Amazon). Right now, for example, MyPoints is offering 15 points per dollar spent at Amazon and 8 points per dollar spent at Macy’s. They also do special offers, like 50 points per dollar spent at specific flower delivery sites on special holidays.

These points can later be exchanged for Walmart gift cards, or gift cards from more than 75 other top online retailers. Right now, you can get $10 free just for getting started.

12. Harris Poll Online

Harris Poll Onlin

You may have heard of Harris Poll, their market research is frequently quoted in widely-read news sources. When you join, you can complete online surveys that help influence important decision-makers in big organizations and corporations.

By giving Harris Poll your unique opinions, you get rewarded with credit from Starbucks, iTunes, Amazon, and – you guessed it – you can even earn Walmart gift cards!

13. Shopkick

Shopkick

Were you aware that you can earn gift cards from Walmart by simply scanning barcodes with your phone? It may not sound real, but it is! Shopkick literally pays you to simply walk into physical retail stores and scan specific goods.

As you scan more and more goods, you rack up points (which are cleverly referred to as “kicks”). You can then exchange your kicks for gift cards from popular retailers. Shopkick allows users to get rewarded in free Walmart gift cards, as well!

14. Opinion Square

Opinion Square

Opinion Square not only rewards you with cash and other valuable prizes (such as Walmart store credit), they also give you the opportunity to enter into their $100,000 sweepstakes after you join.

Participants share their opinions related to a whole host of topics via email and pop surveys, they are rewarded with points redeemable for prizes and cash. It’s just that simple!

15. E-Poll

E-Poll

Movie studios, musicians, TV executives, advertisers and more want to know your opinion about a variety of interesting topics that affect your day-to-day life, and they’re willing to reward you for it with E-Poll surveys.

With a free E-Poll membership, anyone can start earning gift cards – including Walmart gift cards – for completing surveys.

If you’re interested in entertainment and like to shop, then you could certainly enjoy earning rewards by taking surveys with E-Poll. You can use a mobile device, tablet, or desktop computer to complete the surveys, you get rewarded every time, and your privacy is kept secure.

16. MySoapBox

MySoapBox

Brands want to know how they’re doing, and MySoapBox will pay you in gift cards just to let them know!

MySoapBox is an online research community that gathers feedback on products, services, and experiences from its members – and rewards them with gift cards. It’s a way for brands to know how they’re performing, how they can do better, and what they should do next.

Not only can you get free Walmart gift cards by reviewing the things you buy, use and do in your day-to-day life, MySoapBox also gives you the option to redeem your rewards for gift cards from a ton of other popular retailers.

The post 16 Easy Ways To Get Free Walmart Gift Cards appeared first on Wall Street Insanity.

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It’s extremely easy to let debt pile up and it can happen to anyone. “How to get out of debt?” is a question a lot of people find themselves asking. From daily bills to emergencies to impulse purchases, debt can gradually accumulate until one day it hits you like a ton of bricks. If you’re like everyone else, you’re looking for tips and trips to get out of debt.

Tackling your debt load can involve more than simply figuring out ways to make more money or rigorously cutting down on your expenses. There are several ways to get out of debt that you’ve probably never even heard of!

Even though getting out of debt may seem like a huge task, it can be done!

If you’re ready to start taking serious steps to get out of debt and improve your financial situation, continue reading to check out our clever methods of reducing your current debt load.

1. Gain Control with Credit Monitoring & Reporting

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One of the first things anyone should do when they want to overhaul their personal finances is to improve their credit. Luckily, Credit Sesame is here to give you all the information you could ask for – and it’s free!

When it comes to your credit, starting to make improvements early is the best way to go. Better credit means a lower interest rate on your credit card and lower interest when buying a home or car, which can save you a lot of money.

A free Credit Sesame membership provides you with the tools to better your credit. It gives you a free monthly credit score, a free credit report (with personalized recommendations on where to improve), financial education resources, and free credit monitoring – so you can stay aware of any changes on your credit report.

On top of that you get free ID Theft protection included in the no-cost membership, and there is no credit card required to sign up.

Sign up for a free Credit Sesame membership and take the first step to get out of debt today!

2. Pay Less Interest On Your Debt

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Figuring out how to get out of debt can seem insurmountable, especially if you have less-than-favorable interest rates. From credit card bills to medical bills, you may be paying more in interest each month than you truly need to be. You can save quite a bit by getting a low-interest personal loan — which you can use to pay off different types of high-interest debt.

Getting one low-interest personal loan to pay off one or more types of debt can potentially save you thousands of dollars. It can also make your life simpler, consolidating multiple types of debt into a single loan will mean just one monthly bill and payment to deal with.

Thankfully, there are some great companies that offer low-interest personal loans that will help you get out of debt much faster. You can check your rate without affecting your credit score.

→ Credible: This free service will bring you a whopping 11 personal loan quotes in just a couple of minutes. Credible can hook you up with a personal loan in the range of $1,000 to $100,000, pulling together options from several different lenders to help you find the most appropriate one for you.

→ LendingClub: This site presents you with personal loan options with low, fixed interest rates, zero repayment penalties, and fixed monthly payments. Loans can be as much as $40,000, and the online application takes only minutes. All you need to do is apply, review the personal loan options LendingClub shows you, and select the one that’s most suitable for you. Funds can arrive in as little as 7 business days.

→ Upstart: You can get an Upstart loan to pay your debt in the range of $1,000 to $50,000 (3 and 5-year terms). Upstart, which was founded by ex-Googlers, believes you’re more than your credit score and factors in your education and experience to get you the rate you deserve. It takes 2 minutes to get your rate. You’ll need a minimum credit score of 620 and there is no prepayment penalty.

* Upstart is unavailable in Iowa and West Virginia.

3. Got Student Loans? Refinancing May Be an Option

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Paying off student loans can feel like a never-ending slog, particularly if you are trying to get out of debt as quickly as possible. And, to make matters worse, you may actually be overpaying on interest for your student loan – but Credible can help you get a better rate!

If you have federal, private or ParentPLUS loans that you’re still paying off, Credible can help lower your interest rate and reduce your payments each month by providing you with a list of prequalified rates from as many as 8 vetted lenders. You see, Credible isn’t a lender itself, but it provides you with a list of real rates (not ranges) from other reliable lenders for which you qualify.

It only takes two minutes – and one simple form – to see how much you can save. Checking your rates won’t affect your credit score and Credible’s Client Success team is there to help you every step of the way.

Credible doesn’t stop at helping you with refinancing student loans either, you can also compare up to 11 lenders for a personal loan should you need one.

Compare rates and save with Credible.

4. Reduce Your Bills with Billshark

Billshark

Imagine if you could get your satellite radio, TV, home security, WiFi, or wireless phone company to lower your monthly bills – without having to do any of the negotiating. That could be one of the easiest ways to get out of debt. It’s possible with Billshark!

For negotiating lower prices on your monthly bills, users only have to pay 40% of the savings that Billshark’s hard-working “sharks” manage to score for them. You pay that one time, but your savings may last for years. If your bills don’t get reduced, you don’t have to pay!

In some cases, users can save thousands of dollars annually because of Billshark.

The process is extremely simple: upload a digital copy of your bills via email, Billshark’s website, or the Billshark app, and you get regular updates as their team quickly finds savings in your next round of bills.

Send your bills to Billshark to save money each month.

5. Shrink Your Monthly Expenses with Trim

Trim

Wouldn’t it be fabulous to have a personal assistant whose sole job is to help you save money? Personal assistants are out of most people’s price range, but you don’t need one to start saving on your monthly bills – you can just use an automated, bill-slashing service called Trim.

Trim is a totally free online tool that analyzes your monthly expenses and automates ways to save you money – and help you get out of debt faster. In fact, Trim has saved its users more than $1,000,000 in the past month alone.

After securely connecting your financial accounts (a process protected by two-factor authentication, 256-bit SSL encryption, and read-only access), Trim will analyze your spending patterns. Trim then cancels unwanted subscriptions with your approval, and can also negotiate a lower price on your cable or internet bills.

Trim also offers Simple Savings, which automatically transfers funds to a high-yield savings account. On top of that, users get a debt payoff plan, expert advice, and help to lower your APRs. Start saving with Trim for free. 

6. Stop Wasting Money on Banking Fees (and Start Earning 2% Interest)

Aspiration

From monthly fees to ATM withdrawals, tiny banking fees here and there can really add up. If you’re trying to navigate how to get out of debt, getting rid of unnecessary costs like this is one of the most effective solutions. With Aspiration, you will never pay another ATM fee again – while knowing that you’re banking with a charitable, forward-thinking financial organization.

This bank charges no monthly fees either. In fact, Aspiration users get to decide how much they pay for their services – which can be $0 if you want! Because of all the awesome, free features included in an Aspiration account, you might just end up wanting to pay them!

Aspiration clients earn up to 2.00% APY interest, as well as cash back on all purchases – which is literally free money and one of the most effortless ways to get out of debt!

Aspiration is a new type of bank that serves as an alternative to the greedy, irresponsible behavior that most traditional retail banks have been guilty of. Rather than spending money of lobbyists and political contributions, Aspiration donates 10% of its earnings to charities. They also participate in zero fossil fuel funding!

What about their other banking perks? Aspiration accounts come with free cell phone damage protection worth up to $600, Apple Pay and Android Pay functionality, easy photo-based check deposit right on your phone, and $1000 in identity theft reimbursement.

Get an Aspiration Spend & Save Account now.

7. Save When You’re Shopping with Cash Back Apps

Rakuten

Figuring out how to get out of debt can be hard, so make your life easy by getting paid to do nothing other than your typical shopping. These days, there are awesome cash back programs that allow you to earn while you shop at all sorts of popular retailers. Not only is this free money that gradually accumulates, but these types of rewards can also be earned in addition to all of the credit card rewards you already might be earning.

→ Ebates (now named Rakuten): Just for signing up with Ebates, users score a free $10 sign-up bonus! After you join, you can earn up to 40% cash back at more than 2,500 online retailers. All you need to do is start your shopping process on the Ebates before clicking through to your desired online store. Every three months, users receive their rewards payment (via check or PayPal) – it’s that simple. On top of that, there are no fees, forms, or points to worry about.

→ Ibotta: Users who sign up for Ibotta can redeem their cash back rewards via PayPal, Venmo, or in the form of gift cards, and cash back is earned at grocery stores, on cosmetics, apparel, phone apps, and much more. So far, Ibotta users have racked up more than $500 million in cash back rewards. Get in on the action and start earning with Ibotta.

→ Drop: With the free Drop app, you can easily earn free gift cards from some of the most popular online stores in the country. After downloading the app and signing up, users simply link their credit or debit card and pick out which of Drop’s retail partners they’d like to start earning points from. When you redeem your points, you can select from a wide variety of e-gift cards from top US retailers.

8. Automate Your Savings with Digit

Digit

Are you learning how to get out of debt, and still struggling with saving money on a consistent basis? You’re not alone. Saving is difficult on its own, let alone figuring out the perfect amount to set aside each month. Thankfully, Digit is here to help – by automating your savings so that you don’t even have to think about it!

Digit helps its users save money without using much mental energy. The app analyzes your spending patterns, then automatically saves the perfect amount of money every single day. Digit users have already stashed more than $1 billion in the bank using the app.

Want to save for something specific, like tackling your credit card balances to get out of debt? Just tell Digit what you’re saving for, and it will take care of the rest. It can budget for an upcoming vacation, an emergency fund, paying off your student loan, etc.

Get a free 30-day trial with Digit.

9. Pick Up a Side Hustle – or Multiple Side Hustles

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One of the best ways to get out of debt is to add a little extra to your monthly income, which can be put directly toward your current debt obligations. These days, there is an endless supply of non-traditional ways to make money. They’re called side hustles, and they’re one of the easiest methods of boosting your earnings so that you can pay off debt.

There are several types of side hustles out there, from delivering food to blogging – and so much more!

For example:

→ Rover: If you’re a dog lover, this side hustle might sound too good to be true. By becoming a “sitter” with Rover, you can earn up to $1,000 per month by helping busy dog parents ensure that their beloved pets are healthy and happy. You can walk dogs, board them in your home, check in on them, or watch them at their owner’s home – and get paid while you do it! Sitters pick their own schedules and can limit the types and sizes of dogs they’re willing to work with.

→ Instacart: If you know your way around a supermarket, you can turn grocery shopping into a side hustle by becoming an Instacart shopper. Users can make their own schedules, get paid each week, receive tips from each customer, and even boost their earnings by working during peak hours. No vehicle is necessary, either, as you can work solely as an in-store shopper. Sign up to be an Instacart shopper in just 5 minutes.

Check out our full list of 15 side hustles you can start doing to earn extra money.

10. Hire a Credit Repair Service

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It’s easy to hurt your credit score. Having a less-than-optimal score can be a constant setback for your financial life – leaving you paying higher interest rates than you would be paying if your score were higher. This is why improving your credit is one of the first moves you should make when you are figuring out how to get out of debt. Thankfully, Lexington Law can help you boost your credit score!

Lexington Law, which is the #1 ranked credit repair company, offers a free personalized credit consultation as well as a free TransUnion credit report summary (along with recommended solutions).

The process is simple. Lexington Law works with you to identify any questionable negative items currently harming your credit score, then challenges them with your creditors and the credit reporting bureaus.

A single mistaken negative item on your credit report can reduce your score by 110 points, and Lexington Law achieves millions of negative item removals per year. Resolving an issue like this can be one of the best ways to get out of debt, after you leverage your boosted credit score to land lower interest rates.

Right now, there are more than 500,000 active Lexington Law clients. Get in on the action yourself.

11. Consider Getting Debt Relief

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When you’re figuring out how to get out of debt, sometimes it’s hard to know where to start and which methods to use – especially when you’re juggling different types of debt. If you are struggling with paying down your debt, debt relief from CuraDebt may be one of your most cost-effective options.

CuraDebt has counseled over 180,000 clients nationwide since 2000, providing debt relief solutions for medical bills, credit card debt, tax debt, and other types of unsecured debt.

You can get a free debt relief consultation, which includes a personalized estimate on how much you could save by taking advantage of the legal debt-reducing strategies that CuraDebt recommends. CuraDebt tells you how many months it might take to resolve your debt, an explanation of the benefits compared to other debt relief options, and gives you a new low monthly payment calculation.

Check out debt relief with CuraDebt now.

The post How To Get Out Of Debt: 11 Clever Ways appeared first on Wall Street Insanity.

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No matter what your income level is or how much money you have, adding to your savings is always a great thing.

We live in a time where saving money goes far beyond clipping coupons and going to a cheaper gym. Nowadays, there are tons of easy ways to save money that won’t cause any pain — including some you’ve probably never thought of before.

If you take advantage of a handful of these today, you’ll be amazed at how the savings add up.

Continue reading to get a detailed list of some of the best ways to save money.

1. Understand & Better Your Credit Score For Free

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Staying on top of your credit is one of the easiest ways to save money. It enables you to make sure you are getting the fairest and lowest interest rates possible. A lower interest rate means a lot of money saved when using your credit card or buying a home or car. Knowing where your credit stands is absolutely vital, and Credit Sesame offers this (and much more) for free.

Credit Sesame gives every user a free credit score, free credit analysis (updated monthly), and free credit monitoring. Signing up is super easy. You’ll be able to set up alerts so that you’re notified when anything on your credit report changes, and Credit Sesame even includes free theft protection to help make sure your finances are secure.

Get a free credit score and analysis from Credit Sesame.

2. List a Room with Airbnb (Use the Extra Money for Your Rent or Mortgage)

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Airbnb has become a great way for people to save money on rent or mortgage payments. There’s potential to earn sizeable money listing space, which you can use to reduce your monthly living cost.

Even if you don’t have a full unoccupied apartment to list, you can earn several thousands of dollars annually just by listing a spare bedroom.  If you have any spare space in your home, it’s easy to get started, and the platform suggests a market price for you to list your home. You can learn more by reading our ultimate guide to listing your space on Airbnb.

You always remain in control when it comes to who stays at your place and how much you charge.

Sign up to become an Airbnb host.

3. Lower Your Credit Card Bills Now

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Have credit card debt? A lot of people are being crushed by high credit card interest rates. A personal loan can help you to refinance or consolidate your credit card debt and potentially save thousands of dollars.

Personal Loan interest rates typically start well below credit card interest rates. You can borrow up to $100,000 (no collateral needed) and can have the money as soon as the next business day.

Here’s how to save:

• Apply for and get approved for a personal loan (make sure the loan has less interest than your current credit card debt).
• Use the personal loan to pay off the credit card debt.
• Start paying off the personal loan at a lower interest rate.
• A pretty great money-saving tip huh?!

Here are 2 top choices for personal loan companies:

→ Credible: In just 2 minutes you can get prequalified rates from up to 11 lenders (saving you lots of time). Loans amounts range from $1,000 and $100,000. Credible has a best rate guarantee, which will give you $200 if you find a better rate elsewhere (terms apply).

→ Upstart: This loan company believes your credit score doesn’t paint the complete picture. Upstart takes more than just your credit score into consideration when evaluating you as a borrower – they also factor in education, area of study and job history when deciding if you get approved. You do still need a credit score of at least 620 with Upstart. Personal loans range from $1,000 to $50,000

Personal loans can also be used for emergency expenses that suddenly pop up, medical expenses, moving costs, and a plethora of other situations that call for a quick lump sum of cash.

4. Make Money Off Your Car While You’re Not Using It

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Owning a car is no cheap decision, but – thankfully – you can rent your vehicle when it’s not in use to offset the cost of car ownership. Services from popular car sharing companies Turo and Getaround make this possible.

Turo is currently available in 5,500 cities while Getaround is available across the U.S.

Car owners get to decide when and how they rent their vehicles. Turo allows car owners to keep up to 90% of the trip price, and people have made upwards of $30,000 by posting their car to Getaround.

Both services include insurance (to the tune of $1,000,000) and 24/7 roadside assistance. Both services also offer smart technology, including app-powered door unlocking, which makes it more convenient for car owners to rent their cars.

Sign up to list your car on Turo and sign up to list your car on Getaround.

(Pro Tip: List your car on both platforms to get your car rented more.)

5. Save Thousands On Your Student Loans

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You may be eligible for a much lower interest rate on your student loans and not even know it yet. One of our favorite easy ways to save money is student loan refinancing with Credible, which just means you replace your existing student debt with a new, lower-interest loan.

This can literally save you thousands of dollars and is a no brainer! It doesn’t cost anything to refinance your student loans and you may be able to lower your monthly payment and pay off your debt faster.

Credible is an online loan marketplace that will give you pre-qualified refinancing rates in 2 minutes from up to 8 lenders (a huge time-saver). If you find a better rate elsewhere, Credible will give you $200 (terms apply: visit Credible for details). They make the whole process extremely easy.

6. Refinance Your Mortgage To Save Money

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A mortgage refinance replaces your home loan with a new one and can help you save money by reducing your interest rate. People also refinance to reduce their monthly payments, pay off the loan faster, get rid of FHA mortgage insurance or switch from an adjustable-rate to a fixed-rate loan.

LoanDepot could help you refinance your home loan with ease. It just takes a few minutes and answering some questions to see loan options. LoanDepot has over 1,700 licensed lending officers across the US and our no steering policy means you get a loan expert to help you find the best loan for your goals and not the best plan for their wallet. It has funded over $100 billion in loans since 2010.

See mortgage refinance options at LoanDepot.

7. Maximize Your 401k with Blooom

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Signing up for an employer-sponsored 401k is always a good idea, but simply opening the retirement fund is just the beginning. There is much more that needs to be done to make sure that your 401k is growing as quickly (and cheaply) as it can. Fortunately for all of us with a 401k, Blooom can do all the work for us.

The experts at Blooom, having come from successful careers managing investments on behalf of millionaires, are some of the best when it comes to optimizing 401ks. For anyone who signs up, they offer an unbiased analysis of your retirement fund to eliminate unnecessary costs, hidden fees, and anything else that doesn’t make sense for your retirement planning.

After they’re finished doing a top-to-bottom review of your 401k, and double-checking the evaluation’s findings, they provide ongoing support by monitoring your account for any changes and dealing with rebalancing when it’s time. On top of that, this seasoned team of experts provides you with access to a certified investment planner who can answer any of your questions at any time.

Making smart choices is more beneficial the earlier you start, especially when it comes to your 401k.

Get a free 401k analysis from Blooom.

8. Get a Checking Account with Low Fees and High Interest.

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Axos Bank Rewards Checking account offers high interest and a suite of digital tools with no monthly maintenance fee. It was named the best stand-alone checking account by Time.com. Stop throwing money away with bank fees and get:

• High interest.
• Never pay monthly maintenance fees again.
• No need to neep a minimum balance to avoid fees.
• No overdraft or non-sufficient fund fees.
• Make unlimited withdrawals from any domestic ATM for free.

Open an Axos Bank Rewards Checking account.

9. Rack Up the Most Interest Possible With A Savings Account

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Making money while you sleep with no effort is a no brainer. CIT Bank is a top online banking option that can help you do just that. The only work is opening an account which you can do online in a few minutes.

A bank account with CIT Bank can earn you 20x more interest than the national average.  It offers multiple types of online banking accounts to fit your needs. Their Savings Account Builder requires just a $100 minimum to open an account and is a top option.

10. Slash Your Monthly Bills with Trim

Trim

Despite the fact that there are so many easy ways to save money, we aren’t doing the best we could be – and that’s because it sometimes takes more effort than we care to make. This is exactly why Trim was designed, to help us meet our savings goals – all while not having to put in hardly any effort ourselves.

With Trim, the app does all the work itself. After users give it permission to do so, it evaluates your monthly bills and subscription fees and automatically figures out easy ways for you to save money. It’ll negotiate and attempt to cut your cable bill cost on your behalf, and much more. Trim users saved over $1,000,000 in the last month.

Trim is a nifty app that can help anyone out there save some extra money by cutting down on unnecessary spending.

Sign up for the Trim App.

11. Use a Home Equity Loan to Get a Better Rate

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If you have a lot of debt to consolidate, a home improvement project that requires new funds, or any other major purchase that life has dropped in your lap, you can easily use Figure to get a home equity loan. A home equity loan is exactly what it sounds like, allowing you to tap into your home’s equity to get a better rate on a loan.

Known as the “fastest home equity loan on the planet,” borrowers get approved in just 5 minutes when they apply for a Figure Home Equity Loan – and receive their funds in only 5 days. In many cases, a home equity loan can be one of the best ways to save money when you’re in a pinch.

Not only do they get incredibly high marks for top-quality customer service, But Figure also offers cheap terms with fixed monthly payments, no appraisal fee, no maintenance fees, and have loan options that begin at $15,000 and go as high as $100,000.

Get a fast quote for a Figure Home Equity Loan now.

12. Start Saving For Your Child’s College Future Today

CollegeBacker

CollegeBacker can help you open a tax-advantaged investment account called a 529 College Savings Plan in just 5 minutes. It grows tax-free and can be withdrawn tax-free to pay for your child’s education costs – just like a retirement account for college. They’ll even give you a $25 VIP Match when you fund the account with $25.

CollegeBacker believes every child should have a college fund, so they have no mandatory fees and instead work for tips. They never take commissions and always suggest low-fee 529 plans. They even use 1% of the money you tip them to reach low-income families around the country.

13. Shrink Your Car Payment

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MyAutoLoan offers an easy way to save money by slashing your monthly car payments – or getting a low-cost auto loan for a purchase of a new or used vehicle.

Thinking about getting a new or used car? With MyAutoLoan, you can get quotes from up to four lenders in minutes. The application process takes just a few minutes to find out if you’re approved because the site believes getting a car loan should be fast and simple.

Already have an auto loan? Check out how much you could save by viewing refinancing options MyAutoLoan generates for you. You don’t have to stick with your high-interest loan – you can start saving every month by refinancing, which means replacing your current auto loan with a lower interest loan.

Check out how much you can save with MyAutoLoan.

Easy ways to save money on insurance

One of the best ways to save money when it comes to your regular bills is by finding ways to shave off your insurance costs – which is much easier than you might think.

14. Quit Overpaying on Homeowner’s & Renter’s Insurance

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Have you really taken a close look at how much you’re paying for homeowner’s and renter’s insurance? You are likely paying much more than you need to be, and Lemonade can change that.

Not the refreshing beverage or the Beyoncé album – the affordable insurance company that offers top-quality plans with reasonable price tags. Lemonade offers renter’s insurance starting at just $5 per month, and homeowners can get insured for just $25 per month.

The best part about Lemonade is that if you are already insured, they will take care of the switching for you, so you don’t need to deal with any of the hassle.

Lemonade doesn’t believe is being a greedy insurance company. They simply take a flat fee from the premium you pay (unlike most insurance companies). Lemonade then takes the remainder of your premium and donates it to causes closest to your heart!

Lemonade is an insurance company that’s classified as a Public Benefit Corporation, dedicated to the good of society, and a great movement to be a part of.

Get a free quote from Lemonade.

15. Save Money on Car Insurance

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Liberty Mutual offers very affordable auto insurance plans nationwide, and drivers who switch save an average of $509 annually. It’s a reliable and well-known insurance provider that offers nifty benefits like a 12-month rate guarantee, lifetime repair guarantee, and 24/7 customer service.

Get a Liberty Mutual quote to see how much you can save.

16. Save on Life Insurance with Ladder

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Life insurance plans from Ladder involve no brokers, no upselling, and the ability to cancel or change your plan whenever you want at no cost. The cheap life insurance prices they offer are locked in, guaranteed, and signing up is incredibly fast.

Ladder is the life insurance plan of the future, giving consumers transparency and fair prices. In the modern era, we embrace the minimalistic and easy ways to save money, and that now extends to our life insurance policies.

Get a quick and free Ladder life insurance quote.

Ways to save money with cashback, surveys and rewards

When it comes to easy ways to save money, not enough people participate in online surveys or take advantage of cashback programs – which can help you rake in some serious extra savings while you’re doing your typical shopping or just playing on your phone while waiting in line at the coffee shop.

17. Save Money by Shopping (Seriously!)

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Did you know that there is a way you can earn free rewards just by doing the same online or in-store shopping you would normally do? It may sound too good to be true, but you can save a ton of money by simply signing up for some cash back programs that reward you for shopping at some of the most popular retailers and restaurants in the country.

→ Rakuten offers a $10 signup bonus and gets shoppers up to 40% cash back at over 2,500 online stores. Every quarter you receive either a check or a PayPal transfer of your cash rewards. There are no points with Rakuten, as well as no fees or forms to fill out. It’s quite possibly one of the best ways to save money on your regular online purchases.

→ Ibotta offers a $10 sign up bonus and helps you get real cash back on everyday things you buy like groceries, cosmetics, apparel and more. You’ll feel better the next time you buy milk or eggs knowing you saved money without having to do anything. Ibotta has already helped users get over $500,000,000 in cash back.

→ Drop is a free app that you can sign up for in minutes and start earning free gift cards at your favorite stores. After you sign up, link your credit or debit card to your Drop account, and anytime you spend money with their partners (which include super-popular retailers like Amazon) you start to rack up points. Drop lets you redeem your points for free e-gift cards from some of the most widely-shopped brands out there. Read our full Drop review to learn more.

18. Do Surveys for Free Rewards

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→ Survey Junkie pays you for your opinion, and you can cash out via PayPal or a gift card after accruing just $10 of points. Help shape the consumer landscape by giving your honest feedback.

→ PointClub lets you earn cash by taking surveys and polls. They’ll give you a $5 signup bonus.

Other notable survey sites you should check out (sign up for more than one to take advantage of the best offers):

→Vindale Research

→ OneOpinion

→ PineCone Research

19. Scan Bar Codes for Free Gift Cards

Shopkick

Some ways to save money can involve a simple tap on your smartphone. Shopkick is one of the best-kept secrets out there: users earn free money just by walking into stores and scanning items with their smartphones. On the platform, you earn “kicks” every time you scan certain items, which are converted into free gift cards at top retailers.

You can imagine Shopkick as a sort of scavenger hunt that actually nets you some free gift card funds, and the rewards are sent directly to your phone – you don’t need to actually ever buy anything to get paid. There are also ways to earn gift cards by making purchases and watching videos online.

Earn by scanning stuff with Shopkick.

20. Get Automatic Refunds

Paribus

Have you ever bought something and found out afterward that the price went down? Losing out on savings like that is incredibly frustrating, but – thankfully – Paribus is here to help. With Paribus, which is part of Capital One, users get automatically notified and refunded whenever the platform detects that one of your recent purchases is now cheaper.

With Paribus, users have already gotten refunded $29 million, and they didn’t even have to do anything other than sign up – and that includes savings on hotel rooms! Getting back money you’ve already spent is one of the best ways to save money.

Get automatic, free refunds with Paribus.

Paribus compensates us when you sign up for Paribus using the links provided.

21. Unlock Exclusive Deals

When it comes to finding deals online with almost no effort, Voiced Market is a hotspot where you can find bargains of up to 95% off — from both top brands and up-and-coming retailers that you haven’t even heard of yet. Voiced Market users get to discover brands that they didn’t even know they wanted to try. Anything can pop up on the deal site.

Bargain hunters love Voiced Market because a portion of the site’s profits go toward education and feeding those in need. You can check out awesome deals on the site, or get access to even better, exclusive deals by signing up for their free newsletter.

Voiced Market, especially its newsletter, is one of the best-kept secrets, and is still sort of a top-secret society of smart shoppers who only have to check their emails for deals they might like.

Sign up for the Voiced Market newsletter.

22. Earn Free Cash by Watching Videos & Reading Emails

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→ Swagbucks offers a $5 signup bonus and keeps on giving, handing out 7,000 gift cards every day to its users. You’re able to earn free gift cards or cash by shopping online as you normally would, watching entertaining videos, searching the web, and answering surveys.

→ Inbox Dollars offers a $5 signup bonus and more money by participating in a number of activities. Brands pay InboxDollars for consumer input, they then recruit users like you to do things like take surveys or watch videos, and in return pay you cash for your time.

→ MyPoints offers a $10 Amazon gift card sign up bonus and the opportunity to make more money by watching videos, taking surveys, shopping at their favorite retailers, and even playing online games. 10 million users have already earned themselves $236 million in free rewards – delivered via PayPal cash or gift cards.

Pro Tip: If you sign up for all 3 sites above, you can take advantage of $20 in free sign up bonus cash.

23. Let Nielsen Track Your Devices

Nielsen

Nielsen Research is a renowned organization that gathers and analyzes tons of consumer internet behavior. By paying attention to what everyday internet users are doing, Nielsen channels that information to help companies improve consumers’ favorite products and services.

Did you know that you, too, can profit from this research? By giving Nielsen access to your internet-enabled devices and letting them track your normal internet usage, you earn free rewards – and it doesn’t slow down or affect your internet in any way. You start earning the moment you download the app, and you just have to use the internet as you normally would.

Earn money with your devices by signing up with Nielsen.

More Easy Ways To Save Money

These days, there are so many cool, unique companies out there that have developed incredibly useful solutions that can help consumers save money in their day-to-day lives. From optimizing your 401k to switching up your mobile phone service, there are plenty of other avenues you can take that provide easy ways to save money.

24. Choose A Credit Card That Can Reward and Serve You Better (Plus $150 bonus)

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If you’re going to use a credit card, you might as well be getting the most rewards and savings possible. From cash back to 0% balance transfer credit cards, get the card that is the most beneficial to you. Make sure to pay your credit card bill on time so that you don’t get hit with any interest charges while taking advantage of the perks offered.

The ABOC Platinum Rewards Credit Card offers cardholders cash back and 0% APR on purchases for 12 months. That means you won’t pay a dime in interest for a full year, including if you transfer debt from a high-interest card.

There’s zero annual fee, and cardholders score a $150 sign-up bonus if they rack up $1,200 in purchases within the first three months of opening the account.

The ABOC Platinum Rewards Credit Card also offers a generous rewards program, with cardholders earning 5x points on popular categories that rotate quaterly like travel, automotive, dining, and groceries. The points never expire, and there are so many possibilities when it comes to how you can spend them.

Apply for the ABOC Platinum Rewards Credit Card now.

25. Pay Way Less on Your Mobile Phone Plan

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Many of us are paying much more than we need to be just to use our beloved smartphones, but we don’t have to keep getting overcharged by the massive telecoms corporations – we can save a good amount of money by switching to Mint Mobile.

This 4G LTE phone plan works nationwide, and new users can even keep their current phone numbers. Mint Mobile is the fastest way to save money on your monthly phone bill, and their plans start at just $15 per month – and that includes unlimited talk and text with 2 GB of mobile data.

Mint Mobile can provide you with a new phone, or you can simply keep your current phone and insert the free SIM card they provide. They even have a free, 7-day risk-free trial, just so you can test out their great service plans before fully committing. It’s one of the most straightforward and easy ways to save money!

Save a ton on your phone bill with Mint Mobile. 

26. Drastically Reduce Your Cable Bill

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If you join the growing number of cord-cutters who are no longer paying for cable TV, you are free from the unfair and predatory practices that giant cable corporations are known for – but you are then only faced with a limited number of options for online streaming services. The most popular streaming services don’t offer many of our favorite shows, so it can leave us wanting more.

Luckily, Sling TV gives us the best of both worlds: the cable tv channels we love without the ridiculous packages that traditional cable providers offer. With Sling TV, users can easily design their own personalized package by selecting only the channels they actually want to watch.

It’s an easy-to-use live cable service that’s streamed over the internet, so you don’t have to concern yourself with skipping a day of work to stay home and wait for a technician to install anything. Sling TV just requires any screen, be it your smart tv or tablet, and you can get 30 channels for just $20! It’s one of the most entertaining ways to save money!

Try a week of Sling TV for free and save money on cable.

27. Get a Pro to Help Fix Your Credit

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One of the biggest obstacles to saving money is less-than-perfect credit history, which often means that we can’t get low-interest rates, making us pay much more in the long run for many of our monthly expenses. That’s why fixing your credit is one of the best ways to save money. Thankfully, there are steps you can take to start fixing your credit score – and Lexington Law is one of the best solutions around.

Lexington Law is a great organization that’s dedicated to improving its customers’ credit scores. For nearly three decades, it has helped countless people fix their credit scores, and their success is proven: the company claims past clients have seen 24% of their credit report negatives wiped clean from their credit history thanks to Lexington Law.

Collectively, Lexington Law’s credit experts have successfully gotten 9 million negative items taken off of their clients’ credit reports. Anyone who’s curious can schedule a free consultation, so you can see exactly how Lexington can potentially help boost your credit score without any cost or commitment.

The post 27 Easy Ways To Save Money You Can Start Doing Now appeared first on Wall Street Insanity.

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Welcome to the gig economy – where people make their own schedules working one or more side hustles to boost their income. There are so many side hustle opportunities these days that it’s common to meet people who’ve traded in their 9-to-5 jobs to start earning 100% of their income with side gigs.

The best side hustles put you in control of your own life and time, and how you spend your days making money.

People are driving for ride-sharing apps, walking dogs, delivering food, teaching English via video chat, and an endless number of other gigs that can be done with flexible scheduling. There are all sorts of ways to pick up extra money.

With so many people out there wanting to know more about how they can earn money in the gig economy, we decided to put together an in-depth list with some of the top side hustle ideas on the market.

Keep reading to find out which gigs are best for you!

1. Make Money Playing with Dogs (Seriously)

Are you a dog lover? Then Rover might be one of the best side hustle ideas for you. It gives you the opportunity to earn money helping busy dog owners make sure their pets are happy and healthy.

By becoming a “sitter” with Rover, you will get paid for dog walking, dog boarding at your home (both during the day or overnight), or dog sitting at the owner’s home – including drop-ins just to check on their furry friends.

Rover allows its sitters to set their own schedules, decide which services they want to provide, and even specify which sizes and types of dogs they are willing to work with. On top of that, Rover provides $1,000,000 in coverage for all services and offers 24/7 support – including vet assistance.

Everything is done on the easy-to-use app, and you can start sitting dogs with Rover now!

2. Take Surveys as a Side Hustle

You may be just a regular person, but your opinion really matters – and there are people in the marketplace who are willing to pay for your honest input! Participating in online surveys is simple and straightforward, and also the best side hustle for opinionated people with internet access. On top of that, there are several trustworthy, high-paying sites that you can test out:

→ Survey Junkie wants your honest opinions, which will help determine the future consumer climate in different industries. As soon as you rack up $10 worth of points from taking surveys with this platform, you can cash out with either a PayPal deposit or by receiving a gift card.

→ Vindale Research gives you the opportunity to take surveys from just about anywhere and get paid cash via check or PayPal. Surveys topics cover a wide variety of categories like health and beauty, politics, food and much more. Vindale Research has already paid out about $7 million to its users.

Other sites that will pay you to complete surveys are:

OneOpinion

PointClub

Opinion Square

Pinecone Research

Pro Tip: Join as many survey sites as you can to get access to more surveys and compare how much you can earn.

3. Make Money Doing Easy Stuff Online

Getting paid to complete online activities doesn’t stop at surveys. There are a few side hustle ideas where companies will reward you for doing all sorts of tasks!

→ Inbox Dollars pays its users in real cash for completing a number of online activities, and has already paid out more than $57 million. Users are able to earn by simply playing games, shopping, watching videos, reading through emails, and taking surveys – plus you get access to sweet cash back deals, free samples, and coupons! Right now, Inbox Dollars is giving users $5 instantly just for signing up.

→ Swagbucks also gives its users a ton of ways to earn: watching videos, filling out surveys, playing games online, and surfing the web. You can also score rewards when you sign up for new services or try free samples. Payouts are in cash back, PayPal, or gift card rewards, and Swagbucks has already paid over $297 million in rewards. Sign up for Swagbucks for a free $5 bonus!

→ MyPoints has already paid users $236 million in free rewards, who earn gift cards and PayPal cash by being a part of the platform. You can take surveys, but it doesn’t stop there! MyPoints also rewards users for completing other easy activities, such as playing games, watching videos, and shopping at their favorite online retailers. You can score a free $10 bonus if you sign up for MyPoints now.

→ Nielsen will pay you to download an app and allow their platform to track your online behavior for market research purposes. You don’t have to do anything other than the quick sign-up process, then you simply use the internet like you usually would! Start making effortless money with Nielsen.

4. Get Paid to Go Grocery Shopping

Did you ever think you could turn shopping at the supermarket into a side hustle? Instacart will pay you to do exactly that!

Instacart shoppers get to work whenever they want, get paid weekly, and can earn more when working during peak hours to maximize their income. It’s a great side hustle idea for supermarket aficionados. Additionally, customers can add an extra tip when they’re completing their orders – further boosting your earnings.

Don’t have a car? No problem! You can become an Instacart In-Store Shopper who puts together the online orders. If you do have a vehicle, however, you can become an Instacart Full-Service Shopper – doing both the shopping and the delivering (sometimes just the delivering). Either way, you get to set your own schedule, take time off whenever you want, and work in a team environment.

If you know your way around your local grocery store’s aisles, then in just five minutes you can sign up to become an Instacart shopper.

5. Score Some Easy Freebies

Although this isn’t exactly a side hustle it will put extra money in your pocket. While your shopping for everyday items or perhaps items for your side gig needs, you could be earning cash back. We often make purchases with our credit cards to earn points, but those aren’t the only points we can be earning – and redeeming for rewards.

These days, there are many more ways to earn rewards, beyond the traditional ways of credit card rewards.

→ Ebates is an effortless way to get free money just by shopping. Just go through the Ebates website before you go shopping at your favorite online retailers and make your purchases like you normally would. You earn cash back in the form of a paper check or a PayPal deposit. There are no points to collect, no forms to fill out, and no fees to pay. Ebates has already helped its 10 million users rake in more than $1 billion for simply shopping – and they also have a $10 sign-up bonus going on right now!

→ Ibotta pays you to do your normal shopping – all you have to do is fork over your shopping receipts! By selecting cash back goods on the app, then submitting pictures of your receipts after you buy them, you can get easy cash back rewards on cosmetics, groceries, apparel, electronics and more. We’ve seen Ibotta cash back deals like $3.00 back on dog food, $0.75 back on greek yogurt, and $10 cash back on popular electronics purchases. Your cash can be redeemed via PayPal, Venmo or gift cards. Sign up for Ibotta now and get an instant $10 bonus.

6. List a Room on Airbnb

Airbnb makes it safe and easy for you to host travelers and get paid. If you have a spare bedroom or an entire home that you can afford to list, becoming an Airbnb host is an extremely lucrative way to monetize them – and also one of the best side hustles in general. In some locations, hosts can make more than $10,000 per year! Depending on the housing market in your city, you can make even more as a host.

The best part about Airbnb is that hosts are in complete control when it comes to prices, house rules that guests must follow, and which days your space is available. You are the boss of your mini-hotel. You even get to control how much you interact with your guests, if at all.

Not only is there 24/7 global customer support, each stay in your Airbnb space is insured for $1 million related to property damage, as well as another $1 million in liability insurance to cover accidents – so you can feel at ease hosting as many guests as you want.

If you have a space you’d like to list on Airbnb, it’s a simple 3-step process to start hosting. The site even suggests a market price for you to list your space, so you don’t have to think too much about earning a fair amount.

Sign up to become an Airbnb host.

7. Monetize Your Car When You Don’t Need to Use It

If you own a car, you might be missing out on one of the best side hustle ideas. With Getaround, you can let other drivers pay to rent your car whenever you aren’t using it.

Car owners who list their car onto the app can earn thousands of dollars a year!

Since it’s your car, you get to decide when and how it’s available to renters, and you can even make it available on a per-hour basis. Longer-term rentals are doable as well.

It’s also almost effortless for car owners to participate: Getaround will remotely rent and unlock your car whenever you’re not using it. There’s no need for car owners to ever come face-to-face with renters, since everything is done for you.

Needless to say, car insurance is included – to the tune of $1,000,0000. On top of that, Getaround provides its users with 24/7 roadside assistance.

For the moment, Getaround is only available in Los Angeles, San Francisco, Oakland, Berkeley, San Diego, Chicago, Portland, Washington DC, Boston, New Jersey, Philadelphia, Seattle, New York City, and Miami.

Sign up to list your car with Getaround now. Also, you can take a look at our in-depth Getaround guide.

8. List Your Vehicle to Rent on Turo

In just 10 minutes, you can list your car on Turo and start making some serious extra cash.

Turo is sort of like the “Airbnb” of car rentals, helping you make money off your car when you’re not using it. The income potential is considerable, with the average car host in Miami, for example, earning $1,141 per month. 

Hosts have total control over the minimum daily price for trips, mileage limits, and get their car back with a full tank of gas. There are zero fees and no buy-in either! Turo covers your car against theft or physical damage, and you also get $1 million in liability insurance on top of that.

It’s one of the best side hustles when you consider the fact that you’re monetizing something that would otherwise just be sitting around all day! After your customers use your car, Turo will pay you through a direct deposit within just five days.

Earnings really depend on your specific car and location. Check to see what you could earn.

Pro Tip: Want to maximize earning potential for your vehicle? List your car on both Turo and Getaround simultaneously!

9. Deliver Just About Everything with PostMates

PostMates is a big hit – everyone loves ordering delivery from this platform. The best part about this particular app is that users can order a plethora of diverse goods to their homes, including office supplies, alcohol, groceries, and – yes – food from restaurants.

Who makes it all possible? It’s the dedicated and much-loved PostMates drivers who make this modern convenience a reality for all of us – and you can get paid to deliver with PostMates too!

Drivers on this platform pay zero fees, so they take home 100% of what they earn as well as 100% of their tips. You’re paid once a week or can opt to cash out every day, which can be the best option for those of us who need side hustle ideas that pay fast.

Don’t have a car? That’s not a problem, because you can deliver for PostMates using a bicycle, scooter, motorcycle, or even just do it on your own two feet! All you need to deliver with PostMates is to be 18 years old, have a smartphone, and meet a few other basic requirements.

Sign up to deliver with Postmates here. It’s free to start, and you only need to complete a few quick steps!

10. Start Your Own Blog

Anyone can make money by monetizing a blog, and SiteGround is one of the most affordable options to make this happen. For just $3.95 a month you can get a blog side hustle started.

SiteGround provides its customers with a free website builder (your choice of either WordPress or Weebly website building tools), unlimited free email accounts that can be accessed from anywhere, daily automatic site backups, a 30-day money-back guarantee, as well as 24/7 support via phone calls, chat, and tickets. They also promise no hold time! SiteGround’s top-rated hosting support gets consistently excellent customer reviews.

Site speed and security is very important to SiteGround and their hosting is compatible with WordPress, Magento, WooCommerce, Joomla, and more. If you already have a site, no problem, SiteGround will transfer your site at no cost.

Blogging can lead to some very high earnings from a variety of sources: ad revenue, sponsored posts, affiliate partnerships, selling your own products, and much more. In fact, very successful bloggers can generate hundreds of thousands of dollars per year. It’s certainly the best side hustle if you love to write! Launch your site with SiteGround now.

Already have your site all set up and need a way to get more visitors?

For those of you with a blog site already up and running, you can get more visitors by advertising on Bing. Bing Ads will give you a $100 credit when you spend your first $25.

You’ll also need to stay in contact with your audience:

You should make sure to use an easy email marketing platform to stay in contact with your site visitors and customers. Constant Contact is a really easy to use email marketing tool that will allow you to collect website visitors email addresses, craft awesome looking emails, and track your results like how many are actually being opened.

Sign up for a 60-day constant Contact free trial.

11. Launch an Online Store with Shopify

Have any of your side hustle ideas involved being a trendy shop owner? It sounds fun, but the work and resources involved in setting up a brick-and-mortar business make it almost impossible! Thankfully, Shopify can turn your shop-keeping dream into a reality – where you can launch your own brand and open up your very own online store in just 35 minutes.

Shopify helps you with each step of the way as you start, run and grow your online business. You can personalize your shop exactly how you like it, and you can spend your time focusing on the fun parts of operating your own e-commerce business.

You can select from hundreds of different graphic themes, easily accept your customers’ credit card payments through Shopify’s payment portal, and you can keep track of all your store’s orders via the online dashboard. You also don’t need to pay a single cent for web hosting, since Shopify also deals with that for you. That perk alone could be worth the tiny monthly fee of $29.

On top of that, Shopify gives you a free 14-day trial to try it all out!

Well over 800,000 merchants are already using Shopify to do business, and the average Shopify project earns $10,000. Shopify has cranked out countless success stories, from the to the naturopathic doctor who needed a way to sell her revolutionary medication patches to the mother who was laid off and decided to become an entrepreneur online.

You can also check out our guide to setting up a Shopify store.

12. Become a Beloved DoorDasher

DoorDash enables anyone to earn good money while making your own schedule. DoorDashers make deliveries to customers who order through the DoorDash app, and get paid to do it – with the additional potential to get an extra tip with each delivery.

All you need is an Android or iOS smartphone, and a car. In some locations, a bicycle, motorcycle, or even your own two feet, can be your mode of transportation.

Dashers also get opportunities to earn even more through what they call guaranteed minimums: by completing enough deliveries during specific peak hours, there is a higher-than-usual guaranteed hourly rate.

On top of that, Dashers can even get paid daily –  which makes it one of the better side hustle ideas that pay quickly!

Start delivering with DoorDash.

13. Deliver Food – or People – with Uber & Uber Eats

Uber Eats is another widely-used food delivery app where its delivery partners can get paid to bring popular restaurant food to hungry customers around town. With Uber Eats, delivery partners get to make their own schedule, be their own boss, and decide both when and how they get paid.

In fact, Uber Eats delivery partners who need access to quick funds can cash out up to five times daily when registered with a debit card for Instant Pay. Terms Apply.

To get started making money with Uber Eats, some requirements you need are a mode of transportation (car, or scooter or bicycle in some cities), a smartphone, and a bank account where you can receive that delicious extra income.

More of a people person? You can use Uber to drive passengers around town on your own schedule and get paid. Like Uber Eats, everything with Uber is done on the app. You are the boss when it comes to how you get paid, how often you get paid, and when you drive.

Uber has a huge active network of regular riders, so there are plenty of opportunities to make good money – not to mention all the tips you can get!

Sign up to drive with Uber and Uber Eats now.

14. Shuttle Passengers around as a Lyft Driver

Driving with Lyft can put extra money in your pocket by giving rides to passengers, even if you already have a full-time gig.

Lyft even guarantees that new drivers will make at least $1,000 in their first 30 days of driving with Lyft, which applies to every single one of the many cities where Lyft operates. There are additional incentives, like getting paid extra to drive during some of the busiest time frames and getting a bonus when accepting 90% of the rides that pop up.

Combine all those earnings with tips (of which you keep 100%), and you have a pretty lucrative side gig! Did I mention you can get paid daily with the Lyft Express Pay feature?

Can’t decide between Uber and Lyft? Fear not! You don’t have to choose between these two profitable side hustle ideas. You can drive with both platforms simultaneously.

Start earning money driving with Lyft.

15. Sell the Hottest Womenswear

Interested in side hustle ideas that are perfect for fashionistas? Want to put your style to use and make some extra cash? Become an independent stylist for Stella & Dot, a popular womenswear brand that pays you to sell its gear.

Stella & Dot will give you a whopping 20% – 30% commission on all the items you sell, both online and in person. You can work from home, build your own schedule, be your own boss, and get paid on a weekly basis!

S&D stylists use social media, host Stella & Dot parties, and employ a variety of other techniques to make sales.

You can even build your own sales team, earning 18% of your team members’ sales. Some Stella & Dot stylists even make this their full-time job, raking in a six-figure income. Like all side hustles, you earn as much as you want – based on how much time you dedicate to your Stella & Dot activities.

Another added perk of being a Stella & Dot stylist is enjoying a 25-50% discount on their products – and even scoring free products!

Start selling Stella & Dot merchandise.

The post 15 Side Hustle Ideas To Start Making Extra Money Right Now appeared first on Wall Street Insanity.

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Understanding credit can be tricky, especially if you haven’t been paying much attention to your own. Consumers oftentimes don’t think too much about their credit until it’s time to buy a new car or apply for a credit card, but such a passive relationship with your credit score can be detrimental to your personal finances down the road.

There are a number of reasons why staying on top of your credit and keeping track of your score history is important, and putting a renewed focus on your own credit can end up being a financial boost for you down the road.

These days, there is absolutely no excuse for consumers to not stay updated on their credit performance – especially since there are free, reliable resources that pretty much do all the work for you!

Credit Sesame is a site that provides anyone with a free credit score, a free credit report that’s full of details, as well as the tools they need to track their credit, analyze their credit scores, improve their personal finances, and even protect their identities online. Since 2010, Credit Sesame has given help to millions of consumers out there, enabling them to do more than they thought they could with their credit score and helping them find ideal financial products for themselves

Credit Sesame: The Basics

Credit Sesame

Who Credit Sesame is for:

• Those who want a free credit score and a detailed, free credit report
• Anyone who wants reliable, secure free credit monitoring and identity theft protection – but doesn’t want to pay for it.
• Anyone who doesn’t know a whole lot about credit and wants an easy-to-navigate platform that helps them track their credit progress

Pros:

• Free membership jam-packed with features
• Free credit monitoring and ID theft protection
• No credit card required to sign up, no commitments
• Easy-to-use app

It’s pretty easy to mess up your credit – so figuring out your current situation is very important.

Beyond the valuable free solutions that this site offers, more advanced services can be paid for – like premium ID protection. The free membership, however, packs enough of a punch for most people to be satisfied.

Tracking Your Credit is Important – Here’s Why

Credit Sesame

Checking your credit score is something that many of us opt to only do occasionally – which is not enough! In order to get control over your financial health, tracking your credit is something that needs to be done regularly. Why?

1. It’s a Necessary Starting Point: The first step in improving your personal finances is knowing where you stand. That’s why getting a free credit score is a crucial first step.
2. Get an Early Start: Improving your credit takes time, so the earlier you know how bad (or good) it is, the sooner you can start taking steps to make positive steps forward.
3. Check its Accuracy: Your credit score is a reflection of what can be found in your credit report. If something is wrong (like ID theft, for instance) checking your credit report will bring it to the surface.
4. Avoid Surprises: Knowing where you stand with a free credit score means that you’ll be prepared when you go to apply for a loan or some other credit application.
5. Alert Yourself (and Respond) to Identity Theft: Checking a free credit report regularly or signing up for a free credit monitoring service will enable you to discover potential ID theft threats as soon as they happen – so you can respond accordingly.
6. Figure Out a Plan: With a free credit monitoring service like Credit Sesame, you can get custom recommendations specific to your situation that will tell you exactly what to do in order to improve your score.

Maintaining a Healthy Credit Score is also Crucial

So you’ve seen your free credit report and you’ve got a grasp on your credit history, along with a plan to start improving your credit score. Maybe your free credit score was already quite healthy. What’s next?

Keeping your credit score high is just as important as tracking your credit regularly. After all, it only takes a single negative event for your score to take a hit.

It’s all about making sure that you maintain responsible habits with your credit accounts by:

• paying your bills on time
• carrying a balance of no more than 30% of your total available credit (the lower the better)
• not applying for too many new credit accounts, which can slightly decrease your score
• keeping old credit card accounts open to increase your average account length (which is good for your credit score)
• paying attention to alerts from a credit monitoring service, so you can fix any errors as soon as they pop up

So, why is maintaining a high credit score important?

Credit Sesame

Having an excellent credit score comes with a number of benefits, all of which can make your life much easier for years to come.

Keeping a high credit score gives you:

1. More Approvals: With a high credit score, you are much more likely to get approved for new credit cards, mortgages, auto loans, personal loans, etc.
2. Lower Interest Rates: When you do get approved for a new line of credit or a new loan, your higher credit score will typically qualify you for a lower interest rate!
3. Higher Credit Limits: Your healthy score shows banks that you can handle credit responsibly, so they will likely give you a higher credit limit than if your score wasn’t excellent.
4. Negotiating Leverage: When you are negotiating a lower interest, your excellent credit score will give you more power to talk your way into a lower rate.
5. Cheaper Auto Insurance: Some car insurance providers charge higher premiums to policyholders with bad credit scores.
6. Easier Housing Approval: When you’re applying to rent a new house or apartment, landlords can check your credit – and potentially deny your application if they don’t like what they see.

Apart from the financial perks that come with having excellent credit, the satisfaction of knowing you’ve worked hard to keep your credit score high is a perk all its own!

What You Get with Credit Sesame

Thankfully, nowadays we can take advantage of free online solutions that help us stay on top of our credit scores. These services are more than just a free credit score – they often include free credit monitoring and a whole suite of other features.

With the free membership offered by Credit Sesame, you get access to a number of valuable services and benefits:

• Free credit score update each month (from only 1 credit reporting bureau)
• View everything on your free credit report, including
  • what factors influence your credit score
  • how much each factor affects your credit score
• Recommendations for things you can do or services you can use to improve your credit score
• Access to a plethora of financial literacy resources that help you learn more about personal finance

Once you sign up, you get these continued benefits:

• Credit monitoring: you will immediately be alerted if there are any changes to your credit report.
• Identity Theft Protection: If you sign up for the free credit monitoring offered by Credit Sesame, you get an automatic and free $50,000 ID theft insurance policy (at absolutely no cost).

Yes, everything listed above is completely FREE! Credit Sesame doesn’t even require a credit card to sign up for its free membership.

What You Can Get with Premium Features

For those of you willing to shell out a little cash for some extra perks beyond just a free credit score and free credit report, you can sign up for one of the three premium membership options offered by Credit Sesame:

• Advanced Credit ($9.95/month): With this plan, you get all of the features included in the free program, plus
  • Daily credit score updates from 1 credit reporting bureau
  • Monthly credit score updates from 3 bureaus
  • Monthly full credit report from 3 bureaus
• Pro Credit ($15.95): Everything listed above, plus
  • Credit monitoring with alerts from 3 bureaus
  • 24/7 live support to help resolve inaccuracies found in your credit report
• Platinum Protection ($19.95): All features from the cheaper plans, in addition to
  • 24/7 live support for stolen/lost wallet emergencies
  • Black market website monitoring
  • Public records monitoring
  • Social security number monitoring

If you’re interested in any of these advanced Credit Sesame plans that go beyond a free credit score to give you a whole host of additional features, you can sign up for a premium plan.

How to Get Started

Signing up for Credit Sesame is a breeze – you simply go to the Credit Sesame website and enter your email address to get started.

To get started you’ll provide some basic information about yourself, such as your address, date of birth, the last four digits of your social security number, and a few other details (no credit card information needed).

That’s all you have to do!

You will be directed to your new dashboard immediately, where you can get access to your free credit score, free credit report, and you can begin benefitting from Credit Sesame’s free credit monitoring!

Sign up for a free Credit Sesame membership now! Your future self will thank you.

The post How To Get A Free Credit Score And Better Your Financial Future With Credit Sesame appeared first on Wall Street Insanity.

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There’s a pretty good chance that you’re an Amazon addict. Don’t be ashamed – plenty of us are.

Nobody can deny that Amazon is one of the best online shopping experiences around. The selection is unimaginably large, the prices are often unbeatable, and the shipping deals make it so that you can have pretty much whatever you want delivered to your doorstep within a couple of days.

That’s why Amazon gift cards are so valuable: they can buy such a wide variety of things that they’re one of the most useful gift cards on the market.

Are you ready to learn a worldview-shattering secret?

You can earn free Amazon gift cards extremely easily these days. Yes, totally free.

The best kind of Amazon shopping experience is an unpaid one, and you can get your very own free Amazon gift cards today!

Check out some of the methods below to see how you can earn free Amazon credit.

1. Survey Junkie

Survey Junkie

At Survey Junkie, you can get paid just to give your honest opinions – which industry decision makers will use to provide better products and services to influence the future consumer landscape!

All you need to do is sign up and create your own profile, which helps Survey Junkie link you to relevant surveys. After you begin to finish surveys, you will accumulate virtual points that you can turn into e-gift cards (like an Amazon gift card) or PayPal cash.

It’s that simple!

Get paid with Survey Junkie now.

2. Swagbucks ($5 bonus)

Swagbucks

Ready to score a $5 Amazon gift card just for simply signing up? Look no further than Swagbucks – the site that pays you to log on and use the internet like you normally would.

Just for browsing the web like you usually do, Swagbucks literally pays you in the form of a PayPal deposit or free gift cards, including an Amazon gift card. This can include watching videos, surfing the web in general, answering surveys and playing games.

It’s such a trusted and popular site that they’ve paid out more than $320 million to their users so far. Swagbucks disperses 7,000 gift cards daily, so there are plenty for the taking!

Get free gift Amazon gift cards from Swagbucks here.

3. Drop

Drop

Earning cash back rewards doesn’t need to be limited to just your credit card’s loyalty program. You can earn even more rewards by signing up for Drop – and they are accumulated in addition to your usual credit card rewards.

The Drop app is easy to use: users create an account, link their credit or debit card, add your favorite stores, then start racking up points. The points you build up can then be transformed into a free Amazon gift card, or gift cards from other leading retailers.

Get The Drop app and check out our full Drop app review here.

4. MyPoints ($10 bonus)

MyPoints

With MyPoints, you can score Amazon gift cards by doing one of multiple easy online activities. Seriously!

MyPoints users earn gift cards from popular retailers by completing surveys, watching videos, playing games, and shopping at popular online retailers like Walmart, eBay and Amazon (where you can score as many as 25 points per dollar you spend).

People have already earned $236 million in free rewards from MyPoints, and you can get in on the action today.

Sign up for MyPoints and earn a free $10 Amazon gift card with your first purchase.

5. Ibotta ($10 bonus)

Ibotta

With Ibotta, you get paid just to submit your grocery store receipts, department store receipts, and other types of receipts after you do your normal shopping.

It’s true! Ibotta pays you to simply select items on the app you plan on purchasing, then take pictures of your receipts after you buy them. It’s an easy way to get cash back rewards on clothing, supermarket goods, appliances, and so much more!

How much cash back can you get? Ibotta users can score $1.00 back on body wash, $3.50 back on paper towels, and $20 back on various types of large and small electronics. You can exchange the rewards you accumulate for PayPal credit, a Venmo transfer, or gift cards.

By signing up now, users get an instant $10.00 bonus! You can read about how users of this app score free cash back rewards in our full Ibotta review.

6. Paribus

Paribus

Have you ever checked to see if the price of a recent purchase you’ve made has gone down? Little changes like this often mean we are entitled to a refund – but who has time to keep track?

Many of us are missing out on a lot of savings simply due to the fact that we aren’t getting refunds we’re eligible for. Thankfully, Capital One’s Paribus is here to do all the work for us – and make sure we get the money we’re owed.

Paribus automatically scans the online shopping receipts from your email inbox, and will monitor the prices of your purchase history. Anytime you’re owed money, they let you know!

Aside from cash, you can also earn Amazon gift cards.

Sign up for Paribus now!

Paribus compensates us when you sign up for Paribus using the links provided.

7. Shopkick

Shopkick

Did you know that you can earn Amazon gift cards by just scanning barcodes? It’s true – Shopkick pays you to simply walk into brick-and-mortar retail locations and scan certain items.

As you scan more items, you accumulate points (which they call “kicks”). You can then convert your kicks into gift cards from major retailers. Shopkick enables users to get paid in free Amazon gift cards, too! Start scanning with Shopkick by clicking here.

8. i-Say

i-Say

Want your say to count more? With i-Say, your opinion matters – and actually gets you free Amazon gift cards along the way.

Three million users already earn rewards thanks to i-Say, which rewards people for providing their honest opinion through surveys. After you rack up rewards, you can choose from either Amazon gift cards or pre-paid credit cards. You are in control of which rewards you redeem.

On top of regular rewards, i-Say does regular contests where you’ll get a chance to win even more! Start taking surveys with i-Say.

9. Harris Poll Online

Harris Poll

You may have heard of Harris Poll already, since their market research is frequently quoted in leading news outlets. By becoming a member, you can answer surveys that help influence crucial decisions made by corporations, governments, and non-profit groups.

By providing your unique insights to Harris Poll Online, you get rewarded with rewards from iTunes, Starbucks, and – you guessed it – you can earn Amazon gift cards! Sign up for Harris Poll Online.

10. Inbox Dollars ($5 bonus)

InboxDollars

With Inbox Dollars, you can earn cash back rewards by doing some simple and entertaining online activities, including taking surveys, shopping, playing games and watching videos.

It’s a simple way to earn money, and they have already paid users more than $57 million!

Get an instant $5 credit by signing up for Inbox Dollars.

11. Opinion Square

Opinion Square

Opinion Square not only pays you with cash and other prizes (like free Amazon gift cards), they also give you the unique chance to win their $100,000 sweepstakes when you participate.

Users simply share their thoughts on a variety of topics via email and pop surveys, then start earning cash and prizes. It’s that easy! Sign up for Opinion Square here.

12. Nielsen

Nielsen

You’ve likely already heard about Nielsen research, since it’s a renowned research organization. Well, did you know that they will pay you in free Amazon gift cards if you share your internet usage with them?

It’s true! It’s called the Nielsen Computer and Mobile Panel, and it’s easy to use (and get paid). You simply give them access to your internet-enabled devices, then use the internet like you normally would!

It’s vital data that helps them do market research, and the sign-up process is quick and painless – just register, download the secure app on your devices, and live your digital life like you normally would! Get paid to use your devices like you always do with Nielsen.

13. Mr. Rebates

Mr. Rebates

When it comes to earning cash back rewards, flexibility is one of the biggest draws. With Mr. Rebates, you can redeem your cash back as a PayPal payment, a snail-mailed physical check, or a gift card – including, of course, an Amazon gift card.

All users need to do to earn cash back rewards with Mr. Rebates is sign up via their website, find your favorite online retailers via the Mr. Rebates portal (it’s important to login and start your journey from the Mr. Rebates website), and shop. Your cash back accumulates automatically, and then you can withdraw using your method of choice.

Sign up for Mr. Rebates and earn cash back here.

14. Make the Move to Clean Energy with Arcadia Power

Arcadia Power

You can participate in the green energy revolution and earn free Amazon gift cards at the same time, and it’s simpler than you think.

Think you need to install a wind turbine or a field of solar panels to take advantage of clean energy in your home? Think again!

With a forward-thinking company called Arcadia Power, 250,000 customers have already linked up their home utility service to clean energy projects. You can set up a free account in minutes, and Arcadia Power will connect your own utility ill to local community solar projects and buy renewable energy certificates from wind farms for you.

Arcadia power also actively tracks the market to lower your monthly utility bill – and tells you how much clean energy you helped generate along the way.

Sign up for Arcadia Power and connect your utility bill now to get a free $20 Amazon Gift Card!

The post 14 Ways To Get Free Amazon Gift Cards appeared first on Wall Street Insanity.

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The thought of signing up for a new phone plan isn’t a pleasant one: the feeling of signing a new multi-year contract, trying to understand differences between complicated plan options, not to mention realizing the high monthly price tag you’ll inevitably end up paying. But mobile plans don’t have to be so complex and expensive, and many Americans don’t realize how much less they could be paying each month.

In the US, our monthly cell phone bills are a major expense – especially if you’re not part of a family plan or want a decent amount of data. Major mobile carriers like Verizon, Sprint, AT&T and T-Mobile just don’t offer affordable prices or plans that are flexible enough for most of us. Thankfully, Republic Wireless has come up with an efficient and popular alternative for mobile users who are sick of overpaying.

Republic Wireless is completely different than the overly-complicated pricing schemes offered by the traditional wireless providers. Republic Wireless plans are easy to understand with a flat-rate pricing system, no contract, and you get the benefits of top-quality 4G LTE coverage across the country – a no-nonsense product built for the modern mobile market.

Republic Wireless: How it Works

Republic Wireless

The way that Republic Wireless phones save you money is simple: your device will prioritize Wi-Fi use, and only kick in the 4G LTE usage when Wi-Fi isn’t available. When not connected to a Wi-Fi Network, Republic Wireless phones are covered with the power of two of the country’s largest 4GE LTE providers: Sprint and T-Mobile. These two networks cover 98% of US mobile users.

Sure, larger corporate mobile carriers allow you to make Wi-Fi calls, but they don’t lower your monthly bill when you do so. The reliance on Wi-Fi hotspots for calls, texts, and data whenever possible makes Republic Wireless plans so affordable, and it also means that your phone will work anywhere in the world – as long as it’s connected to Wi-Fi.

It’s called “Adaptive Coverage,” and it’s Republic Wireless’ innovative technology that allows their mobile devices to seamlessly switch back and forth between the best possible connection. Adaptive Coverage automatically senses a phone’s connectivity during a Wi-Fi call, and instantly “patches” any connectivity issues by kicking in your mobile network coverage – without you ever noticing the transition!

So, how much do these straightforward Republic Wireless plans cost?

Republic Wireless Plans and Prices

Republic Wireless

The simplicity and transparency of Republic Wireless phone plans are what makes this company so great – and they do it with no contracts. Here’s how it works:

Republic Wireless customers build their own plans based on how much they want or need. Here’s how their only plan option works:

• $15 for unlimited talk and text – the base plan
• Then, just $5 for every GB of mobile data after that

Keep in mind that your mobile data isn’t used when you are connected to Wi-Fi.

There are also no hidden fees! Want a simple unlimited plan with 4 GB of monthly mobile data to use? That’ll be $35 per month.

On top of its simple pricing structure, you also get the ability to:

• Add, subtract, or completely remove data whenever you want, which can be done directly on Republic Wireless phones (no need to call customer support!)
• Cancel at any time
• Use Republic Wireless phones as a mobile hotspot using your data at no additional charge.

There is no family plan option, however, but rates this low make that a non-issue.

International calling is not offered by Republic Wireless, but you can make unlimited calls to the US or Canada from anywhere in the world – as long as you’re connected to Wi-Fi while you’re making the call.

Users can also keep their old phone number. All you need to do is check Republic Wireless’ easy online tool that lets you know if your current number is transferrable.

Republic Wireless Phones – Is Yours Compatible?

The ease and simplicity of Republic Wireless is not available to everyone, unfortunately, as there are only a number of Android-based devices that are eligible for Republic Wireless plans. I’m sorry to say that this list does not include any Apple devices (maybe someday, iPhone users).

Republic Wireless users can buy one of the approved phones directly from the company’s website, or they can bring their own compatible phone.

The good thing is that it’s easy to find out if your phone is compatible with Republic Wireless.

Or, if you already have a phone and you’d like to check its compatibility, you can simply download the Republic Wireless app in the Google Play store and run a test directly through the application.

Getting Started

Interested in signing up for a low-cost Republic Wireless plan? The process is incredibly straightforward and simple, and they give you a whopping 14 days to fall in love with their coverage – or they’ll give you your money back.

Here’s how it goes:

1. Use Republic Wireless’ Coverage Checker to see if your area is covered with their 4G LTE service (98% of the country is, so this will likely be a quick yes).
2. Quickly make sure your phone (or the phone you want to buy) is supported by Republic Wireless. You can do that by conferring with this list.
3. Then, you have one of two options to sign up:

• Buy one of the affordable Republic Wireless phones online, and it will be shipped in as little as 2-3 days with a SIM card included.
• Buy a Republic Wireless SIM card on their online store for just $5, which will also arrive in the mail.

4. Pick your plan and amount of monthly data directly on your Republic Wireless phone

That’s it – seriously! This entire process is done directly on your device. There’s no human interaction needed.

Stress-Free Money-Back Guarantees

After you get to start using your Republic wireless phone, you have a rather generous period of time during which you can cancel your plan and get your money back. Republic Wireless promises two types of guarantees:

Phone Guarantee: A full refund for the value of your Republic Wireless phone, available for up to 14 days from the date your phone was delivered. This guarantee is not applicable if you did not buy your phone directly from the company.

Service Guarantee: A full refund of what you’ve already paid for service (your Republic Wireless plan payment), available for up to 14 days from the date your service was initiated.

With a money-back guarantee on both phones and service from Republic Wireless, new customers can rest assured that they are trying out a new mobile provider with absolutely no risk involved.

A Phone Plan for the Modern Mobile User

Republic Wireless plans are simple and affordable alternatives to pricey corporate mobile plans, and are perfect for anyone who hates signing contracts and paying hidden fees. With Republic Wireless, you pick exactly how much data you can use each month – and you can change or cancel at any time. The days of overpaying for unfairly price phone plans from massive corporations are fading away, as more and more consumers realize that innovative companies like Republic Wireless have figured out an infinitely better alternative.

The post How Republic Wireless Can Help You Take Control Of Your Mobile Bill appeared first on Wall Street Insanity.

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If you are a car owner, you need insurance. It’s not only legally required, it’s also the only smart way to protect your vehicle – as well as guard yourself from having to pay a massive out-of-pocket expense in the event of an accident.

Thankfully, shopping for car insurance has become much easier, faster and more convenient than the old days of insuring our vehicles. You may be old enough to remember the time when we would need to sit down with a local insurance agent and sluggishly go over a number of limited policy choices in person. These days, with the click of a button, we can – with little effort – find a cheap car insurance policy on the internet.

However, searching for a car insurance provider might be easy, but actually signing up for a policy is still quite a hassle. There are tons of confusing add-ons and policy options that we aren’t sure we need, and we never know if the plan we choose has all the bells and whistles we’ll end up using. Insurance jargon can throw anyone for a loop, and all the varying options out there make it hard to compare policies – let alone find cheap car insurance plans from reliable insurance providers.

Fear not – we are here to help. We’ve compiled a quick guide that will help you make the smartest choices when building your own cheap car insurance plan, all while making sure you get the right amount of coverage.

Getting Cheap Car Insurance, the Smart Way

The good news is that you don’t have to skimp on coverage to get a fair price. By choosing the right insurance provider, customizing how much coverage you get, taking advantage of the right discounts, and building your policy efficiently, you can walk away with both a low rate and high-quality coverage.

Step 1: Finding Cheap Car Insurance Companies

You see, most Americans are actually paying much more than they need to be just to insure their vehicles. Why? It’s all because so many of us don’t take the time to consider different options.

In fact, Americans overspend by about $21 billion per year – and most insurance buyers could save about $356 per year if they simply shopped around and compared plans.

All it takes is some clicking around online, and you can find cheap car insurance quotes that are much cheaper than what you would pay if you went with a big-name insurance provider.

Thankfully, we’ve done some of the work for you, and have a few dependable, cheap car insurance companies that can provide you with fast quotes online.

In fact, you can get instant cheap car insurance quotes from these providers online:

• Liberty Mutual offers competitive rates on dependable auto insurance policies, and helps you add on a number of discounts that lower your price even more – combined with top-quality standard benefits. Drivers who switched to Liberty Mutual saved an average of $509.
• For those who don’t drive much, Metromile offers reliable cheap car insurance that combines a low base rate with pay-per-mile rates from there (only available in 8 states). It’s a great option for anyone overpaying when they’re not putting many miles on their vehicle. Metromile users save an average of $611 annually!

Lower prices are out there – all you need to do is find them. Switching to a more affordable car insurance plan can save you hundreds, even thousands, of dollars per year.

The trick to saving is choosing the right company, then choosing the right amount of coverage for yourself.

Step 2: Decide How Much Coverage You Will Need

Buying cheap car insurance is simple in that you are really only picking from a short list of different types of coverage. The difficult part is choosing the right combination that can give you proper coverage while also saving you money.

Let’s go over the different types of coverage that can be part of your insurance policy:

• Collision insurance: This covers damage to your car in the event of an accident.
• Liability coverage: If bodily injuries or vehicular damage happen to another motorist, you will be covered.
• Personal injury protection: Covers medical bills for both yourself and your passengers. Remember that health insurance typically doesn’t cover you if you are in a car accident – your auto insurance will deal with that.
• Uninsured/underinsured motorist protection: If you get into an accident with another motorist who is either underinsured or completely uninsured, then this will cover damages that were caused by them (so you won’t be liable).
• Comprehensive Coverage: This type of coverage is sort of an umbrella that covers any sort of damage or losses caused by something other than another car. Weather events, falling branches, theft, and pretty much anything that would require you to submit a claim falls under this category.

While getting top-to-bottom coverage and selecting as many of these options as possible will give you the most protection, there are certainly situations where some drivers might not need one or more types of coverage.

If you have a very old vehicle, for instance, you might want to skip out on collision insurance. The monthly payments might not be worth it if, should something happen to the car, you would just buy yourself a new vehicle anyway.

Don’t drive very much? For those who don’t have a long daily commute, or simply only use their cars occasionally, you may consider excluding a piece of coverage.

Picking and choosing how much coverage you want is all about evaluating how much risk you take on as a driver, and getting an appropriate amount of auto insurance to address that risk.

Step 3: Find Out the Minimum Coverage Your State Requires

Each state in the US has minimum requirements for how much coverage drivers must hold, including your state. While shopping for a cheap life insurance policy, make sure to verify how much your state requires you to get. If you’re driving around underinsured, that carries a lot of risks – so make sure you are following the law.

Meeting these requirements is usually easy, since minimum coverage standards are often less than what a driver would buy for themselves anyway. Getting the bare minimum just to satisfy your state’s legal requirements may not be the best idea. The most important consideration is making sure that you have enough coverage, not just hitting the lower threshold of what’s legally necessary.

Step 4: Take Advantage of Bundling and Discounts

When trying to get the lowest possible rate for a car insurance policy, one of the biggest factors is the number of discounts you can take advantage of. All cheap car insurance companies offer multiple types of discounts, with different discounts for different circumstances.

Car insurance prices come down to personalization: you can lower your rate by making sure that you get the discounts that apply to you.

There are various types of discounts, and they are divided into three categories:

• driver discounts
• policy discounts
• vehicle discounts

Driver Discounts

• Affiliations: Your association with certain groups, including employers, can get you a lower premium, like:
  • Active duty military personnel
  • Federal employees
  • Fraternity/Sorority Affiliations
  • Club Membership
  • Other specific occupations, like educators
• Student Discounts
  • Good Student Discount (maintaining grades above a certain threshold)
  • College Alumni Discount
• Driving Behavior
  • Low-mileage discounts
  • Good driver discounts: based on number of claims filed, traffic violations, etc.
• Training
  • Discount for taking a driving course, like a defensive driver course

Additionally, there are discounts for homeowners, senior citizens, and low-income drivers.

Policy Discounts

• Bundling
  • Family Bundle
  • Multi-Policy Discount
    • Get more than one type of insurance (life, homeowner’s, etc.) with one insurance provider and save
  • Multi-Car Discount
    • Multiple vehicles on the same policy
• How You Pay Your Policy
  • Paperless billing discount
  • Discount for switching from a competing insurance provider
  • Discount for paying a full year’s premium payments at once
  • Early renewal discount
  • Autopay discount

Vehicle Discounts

• Green/Hybrid vehicle discount
• Anti-theft equipment discount
• Anti-lock brake discount
• New car discount

Not all insurance companies will offer every single one of these discounts, but make sure to check and see if any discount that fits your profile is offered by your chosen insurance company.

Step 5: Get Cheap Car Insurance Quotes Online

To find a cheap car insurance plan, look no further than the companies below that so many Americans already rely on to protect their vehicles at an affordable rate:

Liberty Mutual

You certainly recognize this insurance provider’s name – it’s a household brand that so many US drivers depend on for auto insurance (along with life, home, boat, pet insurance, etc.). Liberty Mutual car insurance quotes can be generated in seconds, and their website guides you through the process of finding the best cheap car insurance plan for your individual needs.

Upfront, Liberty Mutual provides well-rounded standard coverage, including bodily injury liability, property damage protection, a 12-month rate guarantee, a lifetime repair guarantee 24/7 customer support, and medical payments. On top of that, drivers can add extra protection and coverage, and even earn benefits like accident forgiveness.

Drivers who switched to Liberty Mutual saved an average of $509. Liberty Mutual customers get rewarded for driving well (up to 30% in savings), and you even save money when you buy online.

Get a quick quote from Liberty Mutual now.

Metromile

Another solid option for an online-based cheap car insurance quote is Metromile, which serves drivers in 8 states: California, New Jersey, Arizona, Illinois, Pennsylvania, Oregon, Washington and Virginia. Metromile is geared toward city dwellers, and offers an affordable base rate (starting at just $29) with a pay-per-mile rate that accumulates depending on how far you drive.

At just pennies per mile driven, this is cheap car insurance done right. If you barely take your car on the road, only commute around your local area, or simply use your vehicles on the weekends, Metromile can cut your car insurance bill in half. Metromile users save an average of $611 annually!

Worried about what happens if you suddenly want to drive long distance? Don’t fret! All miles past 250 per day are free (150 in New Jersey). You’ll actually save if you’re going on a long trip.

Find out how cheap your insurance could be with Metromile.

Cheap Car Insurance Doesn’t Need to be Complicated

In only minutes, your annual car insurance costs can be slashed by hundreds – even thousands – of dollars. Many drivers have no idea how much they can be saving by simply doing a little online comparison shopping, and there’s no harm in getting a quick quote from cheap car insurance companies online to see how much you can save for yourself.

With discounted plans that reward good driving behavior and pay-per-mile policies that make urban life more affordable, there is no shortage of options when it comes to cheap car insurance plans. Don’t waste any more time overpaying for your auto insurance and find a cheaper rate today!

The post A Step-By-Step Guide To Finding Cheap Car Insurance appeared first on Wall Street Insanity.

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Small business owners often need extra funding to even out cash flow or take advantage of opportunities. Tax time might cause a cash crunch. The holidays may call for new inventory and extra help. You might need to purchase supplies and materials before starting a new job. For thousands of small business owners, National Funding small business loans are the solution.

Traditional lenders have never put out the welcome sign for small businesses. The traditional loan process doesn’t work for small business owners, either. It requires loads of paperwork and can take weeks, even months. National Funding business loans are an app-era alternative to the big retail banks.

National funding small business loans can be obtained without any sort of collateral or down payment, and business owners can get lightning-fast approval and funding using an easy online application. Since 1999, National Funding has originated over $2.5 billion in loans to more than 40,000 businesses in a wide array of industries. The company has great customer reviews and an A+ rating from the Better Business Bureau.

Small business owners who need quick funds to purchase or lease equipment, manage payroll, pay for marketing or even taxes can get money in as little as 24 hours. National Funding also offers early repayment incentives as well as relaxed credit score requirements.

Who National Funding Loans Are For:

National Funding small business loans serve as an alternative source of quick cash for business owners who wouldn’t qualify for funding from traditional big banks or want to avoid the time-consuming and tedious process. If you own and operate a business that needs funds for capital expenditures, business development, equipment financing and leasing, or simply to fill cash-flow gaps or have cash on hand, then a National Funding loan might be your best option.

While some business owners may turn to credit cards for short-term financial needs, the ridiculous interest rates can lead to disaster – making alternative lending a much more cost-effective option. Retail businesses, contractors and construction businesses, medical practices, family farms, landscaping companies, and a plethora of other types of businesses have relied on National Funding to help in all sorts of ways.

National Funding Business Loan Options:

National Funding business loans can be applied for, approved, and funded in as little as one day – but there are different loan options and certain requirements that need to be met first. The eligibility criteria are much more flexible than typical small business lenders, but there are requirements nonetheless.

Let’s check out the two main types of National Funding products: small business loans and equipment financing and leasing.

National Funding Small Business Loans

• Between $5,000 and $500,000
• Minimal paperwork
• No collateral

Small businesses can get up to half a million dollars from National Funding to help run and grow the company. Lending solutions are customized for each business, so business owners can be sure they get the right small business loan for their particular needs. Business owners can use the money to cover capital expenditures, keep a high reserve of working capital, or whatever the firm needs.

In order to qualify, your business must:

• have been in operation for 12 months
• be generating revenue of at least $100,000 per year

Equipment Financing & Leasing

• Up to $150,000 to finance or lease pre-owned or new business equipment
• Almost no limitations on types of equipment

Setting up a business, or even just updating or improving your existing business, can cost much more than you would imagine. Physical equipment purchases can be necessary if certain businesses are to stay afloat. National Funding can get you up to $150,000 for pretty much any type of equipment – it’s your choice and there are hardly any limitations. There’s also the potential for tax savings with the special Section 179 tax deduction.

Here are the requirements for a business to get financing for equipment purchases from National Funding:

• In business at least six months
• An equipment quote (new or pre-owned) from a vendor

How to Get Started & Fund Your Business

If your small business has been in business for at least a year (or just six months for equipment financing and leasing), then you may qualify for a National Funding small business loan. The application process is quick and simple, and you can get funds in your bank account in as little as 24 hours.

Get a quote for a National Funding small business loan now.

How To Get A Quote

It’s incredibly fast and easy to apply for a National Funding business loan. All a business owner needs to do to get a quote is head over to the National Funding homepage and fill out the 1-page application form. You may be asked to provide:

• Three months of bank statements
• Personal information about the business owner (like your social security number)
• Your business’ tax ID

Getting Your funds

You can receive your lump-sum business financing in as little as 24 hours, subject to how soon you submit your required documentation – and how long your bank takes to process such deposits. With a National Funding small business loan, funds can be in your bank account in as soon as the next business day after your online application.

Repayment

If business owners pay off their balance early, there is a discount of 6-7%

Conclusion

National Funding is a reputable alternative lender that offers affordable funding solutions to small business owners. With easy credit score requirements and a super-fast application process, National Funding small business loans get cash into borrowers’ bank accounts in as little as one business day.

If your business needs cash quickly, has been in operation for a while, and is also expected to generate more revenue than the principle of your loan, then a National Funding loan might be the perfect solution for you.

Get an instant quote from National Funding now.

The post National Funding: How It Can Help Fund Your Business appeared first on Wall Street Insanity.