8 Ways To Get Paid To Study In College

8 Ways To Get Paid To Study In College

Hundreds of thousands of students across the country will be starting college within the next week. If you’re part of that group, here are 8 ways to get paid to study.

According to a Huffington Post article, “Nearly 4 out of 5 college students are working part-time while studying for their degrees, averaging 19 hours a week.”

If you’re a college student who is trying to balance a part-time job and keep your grades up, is it possible to tackle two birds with one stone? Could you actually get paid to study?

Here are 8 ways you can make some extra income while studying for your classes at the same time. 

1. Study Soup

Did you know you could get paid to take notes in your class?

Study Soup has made it possible for college students to take notes for their classes and turn around and make some extra money with those same notes.

You’re already taking notes for your class. Why not get paid for it?

This is what one college student had to say, “Taking notes really helped with my own grades, sharing them to earn money was a no brainer.”

2. Find a part-time job on campus that gives you time to study

Many jobs on campus or even off-campus may allow you time to work on your homework. For example, if you’re in charge of managing the front desk and answering phones for an office, you may find yourself with some downtime to either mindlessly waste time on social media or tackle your homework.

As long as your boss is ok with it, you might as well use that free time you have to work on your classes. I saw plenty of jobs like this when I was working in higher education. 

3. Sell books on Amazon

Sell books on Amazon | Simplifinances

When I was in college, I never worried about the cost of textbooks.

While a lot of my classmates were renting books because it was “cheaper” or paying full price for brand new books, I created an Amazon seller account and I would buy used books for the semester and then once the semester was over I would turn around and sell the used book. Sometimes for a profit. 

Out of about 30 textbooks, there was only one that I couldn’t sell. This is more of a way to save money but it puts cash back into your pocket. It definitely beats renting books@!

4. Become a tutor

The best way to learn is to teach others.

Sometimes we think tutors know everything because they always seem to know a lot about the subject. The reality is they’re just one step ahead of you and they’re still learning new things themselves.

So if you really want to learn a subject, become a tutor and get paid to teach other students the material.

You could even claim expert status on a few subjects. 

5. Fellowships and Grants

Fellowships and Grants are perhaps the best way to get paid to study. You put in a little bit of work upfront that could potentially have a high return.

Once you receive a fellowship or a grant, they could cover the cost of a lot of things while you are in college. And you don’t even have to do too much, except for maybe a few requirements. 

Read: How to Write a Winning Scholarship Essay. This book earned me over $10,000 in scholarships. Because once I learned what I was doing was wrong, I started receiving scholarships thanks to this book!

Get started applying for grants at your college and ask your academic counselor what opportunities are available. 

6. Create a blog

Create a blog with SiteGround | Simplifinances

If you’re really interested in a particular topic and you love learning and sharing information, why not create content and publish it on a blog?

If journalism is something that excites you, why wait until you graduate to start sharing your knowledge and passion to the world?

You never know what sort of opportunities could come from creating content and putting it online. SiteGround is the blog hosting software that I use for this site and definitely recommend it!

7. Pocket Points

Pocket Points is an app that you can download that will give you rewards for not using your phone while you are in class. It tracks your location so it will know if you are on a college campus.

Then, when you are sitting in class, open up the Pocket Points app, lock your phone and it will track the amount of time your phone is locked. The longer you don’t use your phone the more points you will get. You can use your points for things like free food and discounts at local places and online. 

Use Promo Code: CbfEA

8. Inbox Dollars

Get paid to study with InboxDollars | Simplifinances

Many classes, especially nowadays will allow you to have a computer in class with you. The nice thing about having a computer with you while you’re in class is you can actually open up a new tab, login to Inbox Dollars, and get paid to watch TV.

But you don’t have to have the tab open to earn money. It could be a closed tab with the volume off while your sitting in class. You can check in on it every once and a while to make sure you’re still getting rewarded for “watching” tv. 

By the end of class, I would have earned a little bit of money. Nothing crazy, but at least I didn’t have to do a thing for it. 

Click the link above to get started with a $5 bonus.


There you have it! There are 8 ways you can make some extra income while you study and spend time in college. To learn more ways to make some income on the side:

Read: The Ultimate Guide to Making Side Income in 2019

I hope you enjoyed this list of ways to get paid to study! Let me know if you have other ideas in the comments below!

How I Consistently Make $300 Per Month on Facebook

How I Consistently Make $300 Per Month on Facebook

I’m going to share with you how I consistently make $300 per month on Facebook.

But first, do you know how much time you spend per day on Facebook?

The average daily user spends 27–41 minutes per day!

It’s a love-hate relationship for me. Some months I’m on social media a lot and others I can go weeks without opening the app.

Nothing is worse than mindlessly scrolling through your newsfeed only to realize after an hour the only things you saw were pictures of other people’s lives and businesses trying to sell you stuff.

I love connecting with people and Facebook can be an incredible tool to grow a business, but it’s the biggest productivity/time waster if you don’t use it right.

Using social media productively

Here’s one of my favorite quotes about social media:

“Use social media, but don’t let social media be used on you.”

Use social media as a tool to help you reach your goals. The fact that we can be a part of a Facebook Group that is filled with like-minded people from all over the world is incredible!

No one has to ever feel left out. There is a group for literally everything.

You can use it to promote a product or business, connect with old friends and acquaintances and even buy/sell stuff.

On the flip side, don’t let social media be used on you by spending hours a day consuming pointless crap. You know that feeling. It takes you away from your responsibilities, distracts you, and can even damage relationships.

You have to remember that Facebook is set up for you to spend more time on their platform. It’s how they make money.

How Facebook Makes Money

Facebook only makes money if businesses are willing to pay for ads that show up in your news feed. And they will only advertise if you’re willing to pull out your credit card. Or pay with your new Libra dollars.

As long as you are aware of this you can use social media for good instead of social media being used on you.

What if there was a way to make consistent money every month on Facebook to help you with your financial goals? Then maybe you won’t feel so bad about spending time on Facebook.

Turns out there is. 

I’ve been making a consistent $300 a month for the past year.

If any of you read my post at the beginning of the year: The Ultimate Guide to Making Side Income in 2019, I briefly mentioned how I do it. So, today I’m going to break down in more detail exactly what I do on Facebook because it’s by far my favorite side hustle of the year.

How I Make Money on Facebook

Last year I was reading a blog post titled: 113 Legitimate Ways to Make Extra Money on the Side from Breaking the One Percent. I was reading it for two reasons:

  1. To make some extra money
  2. To teach others how to make a side income

Most ideas on that post were typical answers anyone could give. But I came across one idea about becoming an Ad Rater. I thought, “what the heck is an ad rater?”

So I did a little digging, answered a few questions, and took a few tests. It took some time to become familiar. At first, I didn’t think it was legit but within a few days, I was becoming a “professional ad rater”.

I didn’t think it was possible to make money on Facebook but it has since made me a consistent $300 per month. The great thing is I can do it from anywhere on my phone and it’s something anyone can do.

You don’t need a business and you don’t have to go to work on the weekends.

You just need a Facebook account. Which I’m pretty sure you do and you’re probably already wasting time on it so why not start making some money with it?

I spend a few minutes a day on Facebook rating ads and at the end of the month, $300 goes straight to my PayPal account.

What is an Ad Rater?

Big and small companies spend millions and millions of dollars on advertising.

More of their advertising dollars have been shifting towards digital platforms because TV ads, print, and billboard ads have become so expensive. And there really is no way to measure the results of those ad campaigns.

But with digital marketing, companies can reach more people and see exactly how those ads are performing on a daily basis.

One way for companies to know how their ads are performing is by paying ad raters. That’s right, someone looks at the ad, analyzes it, gives some thoughts, and gets paid.

What do I actually do?

I rate ads that pop up in my news feed. Which hardly anyone looks at anyway.

Not only has this become my favorite side hustle, but I’ve learned two other things:

  1. Facebook ads become ultra-targeted to things that I’m interested in. Since I’m interested in business and finance, I get to see a lot of relevant and useful information specific to me (which is exactly what Facebook wants)
  2. I get to see what other companies are doing to make their Facebook ads successful and I can replicate what they’re doing in my businesses. It’s a win-win!

Here’s a quick run-through of what I do on a daily basis. An ad like this pops up on Facebook:

Make money on Facebook | Simplifinances

This is a simple ad from American Express about a credit card you’ve probably seen before but haven’t paid much attention to.

You can see at the bottom it says:

1. “How much do you feel that this ad is relevant to you?”

It’s question 1 of 7 and it takes me about 30 seconds to complete one ad.

The other questions are:

  1. “How much do you feel this ad is useful?”
  2. “ Entertaining?”
  3. “ Offensive?”
  4. ” Misleading?”
  5. And “how much do you want to see this ad in your news feed?”
  6. It will then ask you to explain in a few sentences “why do you feel this way about this ad?”

I would say something like this:

Becoming an Appen Ad Rater | Simplifinances


It’s that simple. When you’re all done with 30 ads you’ll see something like this pop up:

You have finished all your ratings for the day

And that’s it! That’s how I consistently make $300 per month on Facebook.

It takes me about 15 minutes a day and I make $0.33 cents per ad. This adds up to $10 a day and I do it nearly every day. I like to think that I’m making $40 an hour on my phone. Which is totally worth it.

How You Can Make Money on Facebook

You can get started by learning more about what an ad rater is and what they do. If you decide it’s something you want to try you can sign up with my personal referral link:

Sign up here.

(This is an affiliate link). Once you work for a certain number of hours I make $25.

The company that I work with is Appen whose tagline is “High-quality training data for machine learning, enhanced by human interaction.” You can learn more about becoming an agent here.

I’ve had a great experience with it. There are other companies but I believe once you sign up for one program, you can’t sign up for others.

Keep in mind that Appen offers other opportunities to make money. Facebook ads rating is competitive so keep checking to see what opportunities are available.

I’ve had some people tell me that they had a hard time getting signed up because it is competitive and not always available to everyone.

This Has Helped Me Save More and Pay Off Debt

If you’re a stay at home mom, how nice would it be to contribute an extra $3,600 a year to the household income? (Only one person per household can do it or else my wife would be doing it as well).

Or if you’re a college student, $300 a month could be enough to pay for your housing. When I first started college, I was paying $325 per month in rent and this could have changed my life.

A lot of other companies have written about similar opportunities to make some extra money from Facebook. You can read more about Appen and what others have said at Indeed.com.

I hope this works for you like it has for me. It’s been a great way for me to make money on Facebook!

Is Rating Ads Legit?

UPDATE (As of August 2019)

After sharing this blog post about rating ads, I had a lot of people ask if this was legit. They thought it was too good to be true.

I’m not saying this will work for everyone because I’m pretty sure Appen is pretty selective on their Nile project, but it has worked out great for me.

Here are my earning for the past year:

Money I've made on Facebook for the past year.

My only concern is I’m not sure what they do with the information that I share.

I make sure not to include anything personally identifiable.

So far it hasn’t hurt me and I’m not sure how it would. Appen does not need your Facebook username and password. They only need your Facebook profile link.

A Practical Guide to Blockchain and Cryptocurrency

A Practical Guide to Blockchain and Cryptocurrency

I’ve wanted to share this post about blockchain and cryptocurrency for some time. 

I know, you may be thinking, “why is he talking about blockchain and cryptocurrency?”

To be honest, I’m a practical believer in the technology, but not a speculator. 

I started this post in February of 2018 but have been hesitant to share it because of how volatile the world of cryptocurrency has been. 

I want to share with you my experience with blockchain and cryptocurrency and give you a guide on what each is and how it works.

This is related to personal finance in so many ways because it’s already shaping the way we buy things and manage our finances online. 

I get asked about this stuff all the time and think it only makes sense to share my viewpoint.

How I Got Started With Blockchain and Cryptocurrency

My first encounter was in 2016. I logged on to my bank at USAA and they had a banner asking if I would like to connect my Coinbase account. I thought, “what is Coinbase?” It sounded interesting, so I created a Coinbase account and connected it to my bank.

But I never actually purchased any cryptocurrency. I had no idea what I was doing. A year later, in the summer of 2017, we hired an intern at my work. He told me he was super into crypto and I thought he was crazy. 

I really had no interest in purchasing cryptocurrency because they just didn’t make sense to me. 

But finally, in August 2017, my friend convinced me to purchase some. It’s been a rollercoaster ride since then but I have never overextended myself and put my finances in jeopardy. I believe in the practical utility long term and I’m not just trying to “get rich quick.”

I want to make this clear. I’m not recommending anyone buy cryptocurrency. It’s the wild wild west and very unstable and no one knows what’s going to happen.  

My purpose in writing this is to highlight the benefits of blockchain and cryptocurrency and explain why I think it’s not going away. Whether you’re into it or not, there’s a change taking place with the internet that could be more powerful than the internet itself. 

It will become an integral part of how we transact in the near future. 

I don’t like to think too far into the future. But the fact is things are changing so fast that it isn’t something far away anymore. I think it is going to change more than we realize.

Not many people like to talk about this because it’s hard to wrap your head around it. All they hear is how risky cryptocurrency and bitcoin are and aren’t even sure how it works. My goal is to help simplify what this new technology is.

I guess you could say I’m making my stance.

What is Blockchain?

Blockchain is simply an online accounting ledger. Simply put, it’s a way to track things online easier and more efficiently.

Blockchain is the foundation on which all cryptocurrencies are built. You can have Blockchain without Cryptocurrency but you cannot have Cryptocurrency without Blockchain.

Cryptocurrencies aren’t the only thing that will benefit from this new technology. Because of a new network or Web 3.0 as some are calling it, the end consumer will also benefit immensely.

One of my new favorite resources for learning about Blockchain is a website called Blockgeeks.com. They produce great content and I’m going to use the information they’ve put together for educational purposes. 

Think of blockchain as a way for all devices to access a decentralized public accounting system that’s built on a new network and cannot be changed. 

The New Network​​​​​​

The New Network for Blockchain and Cryptocurrency | BlockGeeks | Simplifinances

Having a decentralized network cuts out the middleman on a lot of transactions saving consumers time and money.

Have you ever needed to have something notarized by a notary public? Why is that?

A notary’s job is to verify the identity of the person signing a legal document. 

I became a Notary Public last year and occasionally I will notarize documents for people in my city. The origins of Notaries can be traced to ancient Egypt — a time when making records official transactions became important to humanity and dating back to 2750-2250 B.C. They are supposed to help oversee the official transaction by checking the ID of a signer and making sure the person is who they say they are. 

Blockchain technology would get rid of the need for a notary because of smart contracts. What is a smart contract? 

Smart Contracts

Smart Contracts for Blockchain and Cryptocurrency | BlockGeeks | Simplifinances

With smart contracts, you basically cut out the job of a notary because the blockchain will be able to verify who a person is with cryptography and execute a contract. 

Blockchain is a wisdom of the crowd technology. We will be able to do so more online with a higher level of security. Here are 17 examples of what development of blockchain will bring. 

1. Peer-to-Peer Transactions

Blockchain would enable business applications to arise making it easier for individuals to transact.

For example, as the sharing economy has grown over the past few years you still need a third party such as Airbnb or Venmo to be an intermediary.

The blockchain would enable peer-to-peer payments and make it possible to directly transact without a third party.

2. Crowdfunding

Blockchain would enable more crowdfunding opportunities. Kickstarter has grown in popularity as the platform to get funding to launch a business.

With Blockchain, you can create crowdsourced venture capital funds. So if you have an idea, instead of going to individual investors for start-up capital, you could easily get funding from a group of people. 

3. Voting

One of the biggest benefits of blockchain that most people don’t think about is how it will change governance.

Throughout history, there’s never been a way to know with certainty that your vote has been cast. When you vote in an election, you’re trusting that your vote gets counted.

With blockchain, your privacy is protected, and you could vote online without physically sending a ballet that gets counted by humans. The blockchain can guarantee that your vote counted. No more miscounting votes. 

4. Managing Inventory

For all the business owners out there that manage a business’s inventory, blockchain would provide an easy and accurate way to track it.

It could timestamp dates and locations that correspond with product numbers that cannot be changed. No more inventory audits every year because you know what you have in inventory is what you have. 

5. File Storage 

A huge benefit of the blockchain is safely storing documents. When you decentralize the file storage on the internet, the distributed data prevents hacked and lost files.

Internet security is a huge issue for individuals and businesses. Blockchain takes security to a new level. Because of Symmetric-Key Cryptography, you can send files securely without being hacked

Symmetric-Key Cryptography for Blockchain and Cryptocurrency | BlockGeeks | Simplifinances

6. Intellectual Property

The blockchain can protect intellectual property. A lot of money is spent trying to protect intellectual property. There’s an entire industry built on trying to protect property that gets distributed on the internet.

Smart contracts can protect copyright and automate the sale of creative work online. This eliminates the risk of copying and redistribution.

For example, one big problem is photographers who own the right to a picture online and it gets copied and redistributed.

Do you remember the camera company Kodak? They’re still around and they’ve shifted their focus to protecting photographs online by getting them on the blockchain.

Wenn Digital has developed an image protection, monetization, and distribution platform secured via blockchain called KODAKOne, which is designed to protect the copyright of images or photographs registered on the platform.

7. The Internet of Things

Blockchain would enable the internet of things. People have been talking about the internet of things for years.

The Internet of things is the extension of Internet connectivity into physical devices and everyday objects. Embedded with electronics, Internet connectivity, and other forms of hardware, these devices can communicate and interact with others over the Internet, and they can be remotely monitored and controlled.”

Smart contracts can automate remote systems through a combination of software, sensors, and network facilities. To learn more about the internet of things, watch this

8. Microgrids

Blockchains can allow renewable energy within specific local areas like neighborhoods.

“A microgrid is a localized group of electricity sources and loads that normally operates connected to and synchronous with the traditional wide area synchronous grid, but can also disconnect to “island mode” — and function autonomously as physical or economic conditions dictate.” 

9. Identity Management

The blockchain will offer enhanced methods to prove who you are.

It will allow you to have your own secure, advanced and digitized identity which will become more and more important as online services evolve.

Just like no one on earth has your exact same signature or thumbprint, you would have your own digital signature that would enable you to securely sign online. 

Digital Signatures for Blockchain and Cryptocurrency | BlockGeeks | Simplifinances

10. Anti-money Laundering and Know Your Customer laws

The blockchain will improve anti-money laundering. “Anti-money laundering refers to a set of laws, regulations, and procedures intended to prevent criminals from disguising illegally obtained funds as legitimate income.” 

Also, in the financial services industry, the Securities and Exchange Commission (SEC) requires financial companies to “Know Your Customer.” Cross-institutional client verification and stronger analysis is possible with blockchain.

It can be a major pain completing a KYC every 36 months and this would eliminate the need to do so. 

11. Private Data Management

Users will be able to control their private data and know exactly where and how it is used.

There have been talks about individual users being able to sell their own information and profit from it instead of the big companies if that’s what they decide to do. 

Selling online user information is a multi-billion dollar industry and you should have control over how it gets used. 

12. Land Title Registry

This will become one of the biggest added benefits of the blockchain. Publically accessible ledgers can make record keeping for land and property more efficient.

In America, there are constant disputes about property ownership. Once the information is added to the blockchain, it’s recorded and can’t be misinterpreted.

In less developed countries, they have no official record keeping system for property ownership. For example, one of the major conflicts and reasons for war in Africa is over who owns title to land.

Having the information on the blockchain would bring certainty and hopefully alleviate war. Across the globe, blockchain land registry programs are in the works.

13. Waking up Sleepy Assets 

Along with tracking property rights, when there’s a clear idea of who owns it, that person can leverage their property rights by purchasing more assets or starting a business.

This has been a major economic impact on the growth of America. Property owners have been able to take equity from their home and use it to start a business or buy more real estate.

Imagine what could happen throughout the world if other property owners in other countries could leverage their property rights. 

14. Sharing Health Information

When you go to the doctors or the hospital, do you wonder why you have to fill out a form every time?

It’s because health organizations take your health history very seriously and can’t share it across other businesses. It has to be kept in house.

With information securely stored on the blockchain, health companies would be able to share health information while keeping it safe. 

You’ve got to watch this hilarious video about if Airlines worked like Healthcare

15. Stock Trading

When buying and selling stocks you have to have an intermediary or custodian execute the transaction.

When peer-to-peer trade confirmations become instant, auditors and custodians get removed from the process. This will save investors money when purchasing stocks and will execute immediately. 

16. Banking the Unbanked

In the U.S. and throughout the world, customers do not qualify for a bank account because they do not meet certain criteria with the bank.

These people are not able to complete transactions so many of us take for granted. Having a new and updated monetary system would allow people to have a bank and transact in ways they otherwise wouldn’t have been able to. 

17. Alleviating World Poverty

From leveraging property rights, having access to a bank account, and cutting out middlemen, people in hard economic situations will be able to do more.

This has already been tested in multiple countries where the citizens who already have smartphones download an app and are able to use electronic payments.

The system is built on trust just like the dollar is, but as it gains mass adoption, it really does have the ability to alleviate poverty in countries by getting people to spend money. 

The concept of poverty goes far beyond the concept of a lack of resources… Blockchain could, in fact, offer those areas of the globe classified as Third World access to cheaper banking services and financial inclusion.”

Web 3.0 for Blockchain and Cryptocurrency | BlockGeeks | Simplifinances

So far we’ve talked about the benefits of the blockchain.

The benefits of Blockchain are something that isn’t discussed enough. People hear Bitcoin and they think, “oh, that’s not for me. That’s too risky.”

But it’s so much more than just a risky asset. This technology has the potential to change the way the world transacts online and how we use financial services. 

But now I want to discuss some of the benefits of cryptocurrency and what it is.

What is Cryptocurrency?

Cryptocurrency is “a digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds, operating independently of a central bank.” 

Cryptocurrencies make it easier to conduct any transactions, for transfers are simplified through the use of public and private keys for security and privacy purposes. These transfers can be done with minimal processing fees, allowing users to avoid the steep fees charged by traditional financial institutions.

Blockchain and Cryptocurrency | BlockGeeks | Simplifinances

Most people view cryptocurrency only as speculation and omit the utility of it.

I don’t want to discuss the price of bitcoin and tell you whether or not it’s a good time to buy or if you should consider purchasing cryptocurrency. I’m only discussing the utility of cryptocurrency and what it can do. 

Many online companies have begun accepting cryptocurrency as an alternative form of payment.

You can own a digital wallet with real digital money. I know the picture of this post is a little misleading but cryptocurrencies are not actually physical coins.

It’s a combination of complex code that makes up one coin. And because it’s recorded on the blockchain it can’t be changed. 

When you transact online such as buying a product or sending money to a friend, it’s irreversible. Once the transaction has taken place it will be on the public ledger forever and cannot be changed.

Once the money is sent, it’s sent. Of course, your friend could send money back or the company can refund you but if you were to send money to a scammer on accident, there’s no way to recover it.

This is also what makes crypto so secure. No centralized organization or government can decide what you can’t spend money on.

Honestly, one of the reasons cryptocurrency was created was to transact in the black market of selling drugs. In the early days, people could buy and sell drugs online with no way for it to be traced. 

When you transact online there is no way for anyone to track your real-world identity with online activities. In that way, it’s completely private.

What is Bitcoin?

For example, Bitcoin is sent to 30-character addresses that consist of various addresses and numbers making it very difficult to connect your Bitcoin address to your real-world identity. 

What is Bitcoin? | BlockGeeks | Simplifinances

When I was in high school, I would buy clothing from China, and sell it. This honestly wasn’t that long ago.

Before I could have the products shipped to me, the company in China would need to receive the physical cash from a money order. I would go into Home Depot, locate the Western Union table, put my cash in an envelope, pay high fees, and hope that it made it there safely.

It’s so common for people to send money to and from another country but the value of what you send could so easily get eaten up because of high fees, the risk of it being stolen, and the time it takes for it to arrive. 

Having a cryptocurrency like Bitcoin would allow you to purchase goods from any country. Bitcoin is the currency that gets the most attention because it’s the most well known. But in fact, there are thousands of other cryptocurrencies. Some of the other most popular ones are EthereumLitecoin, and Ripple.

Each has its own function and utility. 

How Does Bitcoin Work? | BlockGeeks | Simplifinances

Transaction Time

One of the biggest benefits of cryptocurrency is the transaction time.

Transactions are executed instantly.

It doesn’t matter if you’re sending Bitcoin next door or across the world, the transaction time is the same.

Cryptocurrency has already changed that and will continue to do so by bringing the transaction time way down. 

Transaction Time | BlockGeeks | Simplifinances


Online security has become incredibly important because so much of what we do now is online. It’s been too easy in the past for hackers to do whatever they want.

Cryptocurrencies are locked by public-key Cryptography. Only the owner of the key can send them.

It’s not impossible to crack the code with very complicated mathematics and this is why huge amounts of cryptocurrency have been lost and stolen. But with advancements, it will become more secure.

Apparently, there are more private and public key pairs in the cryptocurrency network than there are stars in the galaxy. It would take an incredible amount of time to crack any specific code. 


You decide how you want to use cryptocurrency. The network cannot discriminate. It’s just like using physical money, in all reality, you can do with it what you want.

Is all you need is a digital wallet. This will allow you to send and receive cryptocurrency and spend it however you would like. 

Using a digital wallet to pay for things will make it that much easier to spend money.

One of the things that worry me is how abstract the idea of money will become. When money because some weird made up magic that exists somewhere on the internet, it will make it hard to be disciplined with your money.

It’s not like spending cash where you physically give something up. 

Blockchain and Cryptocurrency | BlockGeeks | Simplifinances

How can you ride the wave?

People ask me about cryptocurrency a lot. If you believe in the technology but you don’t want to expose yourself to too much risk, how can you ride the wave?

You’ve heard of people making millions of dollars with Bitcoin and bought a Ferrari. Many people want to grab a piece of the growth. These stories are super rare and you will never hear about the majority of people who lost A LOT of money. 

I’m not going to tell you that you should or shouldn’t purchase cryptocurrency. I want to be transparent and say that I own a small percentage of my portfolio in crypto. I’m not trying to time the market by buying and selling. I view it as a long-term strategy and I’m diversified across many currencies. 

Blockchain ETFs

One way to ride the wave aside from buying cryptocurrency is to support the companies that are investing millions in research and development in the blockchain.

While living in Salt Lake City, I use to commute home from the University of Utah using the train system. It took about an hour to get home and every day I watched them build this circle building in the middle of the valley.

It was a strangely shaped building and I didn’t know what it was for. When the building was nearly complete, I looked it up and realized it would become the new headquarters of a company I was somewhat familiar with called Overstock.

At the time I was into buying individual stocks and decided to buy 10 shares of Overstock at $16.00 a share. The only reason I purchased shares was that I commuted past the building every day.

I had no idea what the next year would bring for the company. It turns out the company was investing heavily in blockchain and cryptocurrency and was working starting a digital currency exchange called tZero. I watched the price of the stock go up with bitcoin to nearly $90 a share.

Even though the price increased dramatically, it dropped to under $10 in 2019. 

Companies Supporting Blockchain and Cryptocurrency

The reason I brought this story up is that you can participate in the growth of new technology without jeopardizing your money with cryptocurrency by supporting the companies investing in it.

To name a few companies that are investing in new technology are Overstock, Facebook, IBM, American Express, Alphabet, Goldman Sachs, JP Morgan, Square and Visa to name a few. 

Most of these companies are large-cap companies that make up a big percentage of the stock market.

IF new technology is developed, the market will do better. But some people want to invest in an index fund of global equities focusing on blockchain and cryptocurrency technology.

I don’t want to mention the specific ticker symbols for fear it will be taken as investment advice. But they do exist and provide a great alternative if you don’t want to purchase cryptocurrency. 


Blockchain and cryptocurrency aren’t going away. I’ve given you multiple reasons why practically speaking it makes sense to have them.

Sadly, too many people speculate and follow the herd mentality making it hard to trust the technology.

I haven’t recommended you do anything, my purpose has been to point out the pros of the technology. There are obviously many cons to investing your money into this stuff.

So be careful.

Educate yourself.

Don’t do anything that could jeopardize your financial future. 

Until cryptocurrency becomes more stable, I don’t think we will see major adoption. Facebook is actually spending millions of dollars developing their own cryptocurrency that’s pegged to the dollar.

It’s called Stablecoin and it’s supposed to allow people to spend crypto that fluctuates as much as the US dollar, making more stable. 

Will Blockchain and Cryptocurrency Technology change the financial services industry?

I believe that blockchain and cryptocurrency technology will disrupt the financial services industry.

We’re still very early and will continue to see major developments and adoptions.

Just like the internet was in the 1990’s we’re seeing a lot of Fintech companies developing technologies built on the blockchain.

The companies that survive after the market takes a downturn are those that will have the biggest opportunities. 

I hope you’ve enjoyed this practical guide on blockchain and cryptocurrency.

The Secret to Making Money From Home – The Backstory of My Wife’s Business

The Secret to Making Money From Home – The Backstory of My Wife’s Business

Yes, you read that correctly.

I’m pulling the curtain back a little and writing about the backstory of my wife’s business. 

A few years ago, my wife Kenzie thoroughly disliked returning to a cubical day in and day out to go to work as an office manager. 

She eventually quit that job and didn’t want to go back to another one she hated but wanted to find a way to be her own boss. We wanted to eventually have kids and she told me how much she would love to be able to work from home.

There’s an artsy, creative side to Kenzie. She has gone from one project to the next her entire life and some of them actually got finished. 

This week, I’m writing about how she started a successful business working from home because she is making me do it. 

Alright, alright.

My wife didn’t make me. I don’t even think she knows I’m writing this right now. 

I think she forgot that I even have a blog and actually have an audience who reads my stuff. 

But she did start a successful at home business and I wanted to share the story that she is too shy to share. 

Ever since she started the business and has grown it into what it is today I constantly get questions about how she’s been able to work from home and balance taking care of our son.

And the reality is I have no idea how she’s been able to do it. She’s basically a world-class mompreneur and I just pretend that I played some role in making it happen. 

If you want inspiration on how to start a business from home you can check out my wife’s business at cozycottontail.com.

And if you’re like me and don’t care much about sewing or baby stuff, but you have a spouse that does… share the website with them. But, be careful not to let your wife run wild with the credit card because you might end up with a few packages on your doorstep. This is a personal finance blog about teaching you ways to save money. So beware, my wife makes good stuff. 

But speaking of saving money, my wife is actually launching a bow subscription this week that’s quite affordable. You can join the waiting list here and see that the tagline is even “the bow subscription that will make your husband happy too.”

Cozy Cottontail | Simplifinances

Anyway, back to the reason why I wanted to write this post today. 

Getting the business to where it is today hasn’t come without a great deal of struggle.

In the beginning, she had no idea what she would even call the business. I told her it doesn’t matter. I said, pick a name that you’re 80% happy with.

The name of her first business was All Things Unnecessary. For her first idea, she wanted to make iron board covers to cover up the ugly pattern nearly ever ironing board has. It was nice, but it was unnecessary. 

The biggest thing was she got started. So much has changed from the beginning but she never let the fear of failure stop her from trying something new.

It honestly took about a year before she saw any traction and somewhat consistent sales. I could count at least 5 or 6 times that we had a serious conversation about whether or not she could just quit and go find a full-time job. 

There have been so many nights that she stayed up working late to complete orders and work on the business. As hard as it has been, it’s been terribly fun to see how much success she’s had.

I continued to work full-time while in school and she worked from home to grow her business. She went all in creating blankets, bows, bibs, embroidery, and so much more. 

She started out selling on Etsy and had a lot of success there. She then set up her own shop using Shopify to sell her products. 

Just as things started to get busy we found out that she was pregnant. We were terrified. We had also talked about moving to Texas to pursue a master’s degree. Which is what we did, hence the reason why we live in Lubbock, Texas. 

Which I’m sure you hadn’t heard of this place until the NCAA March Madness tournament. That’s right. Texas Tech is playing in the championship game tonight against Virginia. It’s one of the biggest things to ever happen to this city. The last team from Texas to make it to the final four was in 2000. The last team from Texas to win the entire thing was I believe back in 1968. So this is kind of a big deal. 

I’m sorry, I got off topic again. But I really hope Texas Tech wins tonight! That alone would make moving here worth it. Forget about school. 

As my wife’s business was growing, everything got put on hold when our son was born. Then six months later we packed up the moving truck and moved to Texas. She wasn’t able to fully set up shop again until August of 2018. 

Because she took a break for a few months and had a lot of time to think about what she wanted to do when she started it up again there was an entirely different focus and determination. 

Behind the scenes of Cozy Cottontail | Simplifinances

Every month has been better than the next, increasing revenue and profit. March 2019 was the best month that her business has ever had. 

This year she introduced two new products to the lineup. Cozy the Cottontail (the signature bunny) and a bow subscription that launches this week. 

One other thing has been in the works for a few months and who knows when it will be released but when it does it will be big and could completely change the game. 

We would love it if you supported the business by joining the email list or following Cozy Cottontail on Instagram!

Do it for me. Help me look like a good and helpful husband. Cozy Cottontail is how I will reach FIRE (Financial Independence/Retire Early). All of the schooling I’ve put myself through will become irrelevant because I will have to start working for my wife’s business. This is my master plan. 

The Ultimate Guide to Making Side Income in 2019

The Ultimate Guide to Making Side Income in 2019

I started Simplifinances to help you simplify your personal finances and make extra side income. This list of side income ideas is in no way meant to complicate them. But it’s a big list. 

It covers everything from making quick side income to creating a long term side gig that could become your full-time job. 

Making extra side income can do so much for you and could literally change your life. I’ve gone out and explored dozens of ways to make income on top of my day job and it has changed my life. As a financial coach, I get the question all the time, “how can I make a little extra side income?

If you want to save more towards financial independence, pay off your debt, or simply get started in something new because you hate your job, then hopefully, you’ll be able to take some ideas from this post and actually start making some side income. 

Don’t Waste Your Time

There have been months that I’ve made more from side hustling than from my actual job. I want to be as transparent as possible and tell you from my experience what works and what doesn’t work so you don’t waste your time. There are a thousand different ways to make side income but everything on this list I’ve either tried personally or someone close to me has tried.

I don’t want to send you to places where you’ll be spinning your wheels getting nowhere. When I read a blog post that talks about making extra side income, nothing bugs me more than when the person who wrote the post is benefiting more than the people reading it.

For example, a post that tells me I can make $500+ per month simply completing online surveys just isn’t true. Or when the post only has the highest affiliate payout links but doesn’t add value to the reader. 

You won’t get that here. There are affiliate links in this post and if you sign up through these, I may be compensated. This helps me continue to create content and keeps the website going. With that being said, I don’t promote anything I haven’t tried or don’t believe in.

I suggest bookmarking this page and coming back periodically. Everything is free to join. If you feel like you know someone that could benefit from this list, please share it with friends and family.

Here’s the link: https://www.simplifinances.com/single-post/2019/01/18/The-Ultimate-Guide-to-Making-Side-Income-in-2019

Focus On Skills

The number one thing you can do to increase your income is to invest in skills and get a good education. Become an expert in one particular field and build up your career. If you’re struggling to make income, you don’t have a money problem, you have a skill problem. 

You may feel like some of these are a waste of time. And some of them are. But it’s ok, experiment and move on to something else. 

Table of Contents

  • Quick Money
  • Use Your Phone to Make Money
  • Use Your Car to Make Money
  • Work From Home
  • Anytime Work
  • Part-Time Work
  • Ways to make extra income at your current job

Quick Money

Many of these I have just discovered in 2017 and 2018. There’s a lot more to learn and a lot more earning potential with your phone. Especially as smartphones get smarter. 

I share with you how much I’ve made on some of these not to brag but to show you it is possible to make money.

A Note About Privacy

Keep in mind what you are giving up when you sign up to get paid to do stuff online. Often times if something is free it means you are the product. I’m not ignorant of the fact that I’ve given up some of my personal information to be able to make online. Some people aren’t comfortable doing that.

The way I look at it is when it becomes a problem and starts impacting my personal and private life, then I will take action. But for now, I want to take advantage of the opportunities out there to live a better life. Plus, Google and Facebook already know more about you than you know about yourself. 


Many companies are willing to pay you to answer questions for them. Surveys aren’t going to produce any significant amount of money but its quick and easy. 

Use Survey Junkie to make extra side income | Simplifinances

Survey Junkie – Earn points by completing surveys, which pay anywhere from $2 to $75 per completed survey. The longer the survey, the higher the pay. One of the great things even if you don’t qualify for a survey you will still get paid for trying.

The total amount of cash I earned in 2018: $13.73

Sign up for Survey Junkie and get started making money today!

Use Swagbucks to make extra side income | Simplifinances

Swagbucks – Rack up Swagbucks by shopping at your favorite retailers, completing online surveys, surfing the web, watching videos, playing games, signing up for offers and more. 

Total earned in 2018: $6.04

Sign up for Swagbucks and get a $10 bonus!

Use InboxDollars to make extra side income | Simplifinances

InboxDollars – Inbox dollars is a website that you can join to earn some extra money (although frankly the money should really be termed as pennies) because it does take a while to build up enough money to make a withdrawal. You can also get rewarded for watching videos online. You need a minimum of $30 to withdraw funds. I’m close!

Total earned in 2018: $28.11

Use this direct InboxDollars link and get started with $5.00!

Use Perksy to make extra side income | Simplifinances

Persky – Perksy is a new mobile app launched in 2018 that is geared towards millennials. It’s super easy to complete “stacks” for points and they do a great job with the user interface. This is only available on iPhone IOS.

Total earned in 2018: $4.10

Sign up for Perksy and get started making money today!

Use Google Rewards to make extra side income | Simplifinances

Google Opinion Rewards – A mobile survey tool that rewards you with cash in your Google account (Android Users) every time you complete a brief survey. If you use an iPhone, cash will be sent to you through PayPal.

Total earned in 2018: $4.02

Sign up for Google Rewards today!


Use Shopkick to make extra side income | Simplifinances

Shopkick – If you aren’t using Shopkick you should be! Shopkick allows you to earn points for various activities that you turn into gift cards or cash. There are four main ways to earn points: walking into the store, scanning items, purchasing items and uploading your receipt and a shopping portal.

Whenever we go to Walmart for example, I might earn 10 kicks just for walking in. Then I can usually earn hundreds of kicks scanning items that we’re already walking past.

Sometimes you don’t even need to go into the store. Simply driving slowly past it will give you kicks!

Total earned in 2018: $44.00

Sign up for Shopkick and claim 250 kicks ($1.00).

Use Zap Surveys to make extra side income | Simplifinances

Zap Surveys – Get rewarded for being in participating stores. These rewards are available at most major retailers. When a partner retailer or restaurant is running a promotion, and you are near that location, Zap Surveys will send you a notification. If you open it, you’ll be rewarded with up to $0.25. You can also earn money from surveys and checking in daily. 

Total earned in 2018: $19.60

Sign up for Zap Surveys and get $1.00!

Use CheckPoints to make extra side income | Simplifinances

Checkpoints – This is similar to Zap Surveys in that when you arrive at a store it will send you a push notification and is all you have to do is open it up and it will reward you. I just started this one a few weeks ago.

Total earned in 2018: $0.54 

Sign up for Checkpoints! Use code scotthendy121 

Use Panel App to make extra side income | Simplifinances

Panel App – This app lets you earn points towards sweepstakes and gift cards just for leaving the app running in the background. You can ramp up your rewards even more if you answer questions based on where you went. 

Total earned in 2018: $37.73

Sign up for Panel App and effortlessly make some extra dough!


Use Ibotta to make extra side income | Simplifinances

Ibotta – A super easy-to-use cash back app with 100+ retailers, both in-store and online. Anywhere you do shopping, most likely you’ll find cash back opportunities.

When you get home from your shopping trip, click the + icon and take a picture of your receipt and you’ll easiy earn cash back and get paid via Venmo, PayPal, or gift cards.

Total earned in 2018: $97.70

Total earned: $183.31

Ibotta is 100% free to download and you’ll get a $10 sign up bonus after uploading your first receipt!

Use Receipt Hog to make extra side income | Simplifinances

Receipt Hog – An app where you can upload your receipts from shopping, to earn “coins” which you can turn into cash rewards. It’s a simple process requiring a small amount of your time.

Unlike earning money completing surveys, earning using Receipt Hog is incredibly quick – a quick snap of a receipt and you’re done. It takes only seconds of your time. Get paid via PayPal, Visa, and Amazon gift cards. 

You have to apply to Receipt Hog and they usually have a long waiting list. 

Total earned in 2018: $18.15

 Sign up for Receipt Hog today!

Use Receipt Pal to make extra side income | Simplifinances

Receipt Pal – This is really simple and just like the other apps. Take a picture of your receipts and get rewarded. You can cash out with gift cards or through a Visa gift card. The first time I redeemed $25 it was a gift card to Restaurants.com. I’m now $5.00 away from cashing out with a $25 Visa card. 

Total earned in 2018: $45

Sign up for Receipt Pal and get rewarded for taking pictures of receipts!

Use Fetch Rewards to make extra side income | Simplifinances

Fetch Rewards – An app that pays you for uploading pictures of your grocery receipts. But it’s different from other rebate apps (like Ibotta) in a few ways. . .

First, no action is required until you scan your receipt. There are no surveys to take or videos to watch. Even better? You don’t have to indicate that you’re going to make the purchase, and you don’t have to scan the barcodes of the items you purchased. The other important difference is that Fetch doesn’t pay its users with cash — instead, you redeem your earned points for gift cards.

Total earned in 2018: $10

Start with Fetch Rewards and claim 2000 points ($2.00)!

Use CoinOut to make extra side income | Simplifinances

CoinOut – A smartphone app that’s available for Android and Apple users that gives you the ability to earn pocket change from a variety of receipts from everyday purchases you make.

If you guys happen to watch Shark Tank then you may recognize Jeffrey from the appearance he made on the show back on February 18, 2018, where he first introduced this revolutionary app to the entire world.

Total earned in 2018: $3.52

Join CoinOut Now!

Use Checkout 51 to make extra side income | Simplifinances

Checkout 51 – Start earning real cash while you grocery shop. Browse the list of grocery items posted and select which items you are interested in buying. The list is updated each Thursday at 12 a.m. and the items on the list qualify for cash back until the following Wednesday at 11:59 p.m. 

It’s harder to earn cash back than Ibotta. 

Total earned: $13.50

Start earning cash back at the store!

Use Trunow to make extra side income | Simplifinances

Trunow – A money-saving app that not only finds you the lowest per-gallon gas prices near you, but it also gives you cash back on your gas purchases from partnered gas stations. Is all you have to do is upload a picture of your receipt after purchasing gas, and that’s it!  

Total earned in 2018: $5.85

Sign up for Trunow and get $0.50!

Use Coupons.com to make extra side income | Simplifinances

Coupons.com – With coupons.com you can get printable coupons (I never do this), link loyalty cards and earn cash back on everyday purchases. This one can be difficult to earn cash back because the amount of offers is limited. Occasionally, they may have deals where they give away free food and they will reimburse the cost of the purchase. Last month, we got free eggs!

Total earned in 2018: $3.33

Get the Coupons.com app!

Use SavingStar to make extra side income | Simplifinances

SavingStar – A free smartphone app (also available online) that helps you save money without clipping or printing coupons by giving you money back on purchases you make. Like other cash-back rebate apps, you can submit pictures of your receipts or link your store loyalty card, and money will be credited to your account.

Total earned in 2018: $1.00

Become a SavingStar (haha)!


Use Ebates to make extra side income | Simplifinances

Ebates – One of my favorite cash back apps that has gained a lot of popularity over the past few years. There are two ways I earn cash back: first is enabling the Google Chrome extension and each time I go to check out on any website that is a partner, it asks if I would like to activate cash back. That way I don’t have to remember to go to the website, it’s just always there.

The second way is using the Ebates app. Open the app and click through to your favorite stores and when you purchase something, cash back is automatically added. 

Total earned: $168.54

Sign up with my direct link and get a $10 bonus!

Use Spent to make extra side income | Simplifinances

Spent Money – The best feature of the Spent App is it allows users to earn cash back, without thinking about it. You’ll simply connect a credit or debit card to the app, and you’ll qualify for rewards automatically. For example, you get 1% back at Amazon, Starbucks, McDonald’s and Whole Foods purchases when you use a linked card. Stack that on top of credit card cash back and it will add up. 

Total earned in 2018: $1.40

Sign up for Spent and get cash back!

Use Drop to make extra side income | Simplifinances

Drop – An intuitive and easy-to-use app that lets you earn gift cards for the money you’re already spending. Simply link up a card and you will automatically be awarded cash back when you spend money at certain brands such as Walmart, McDonald’s, etc.

The best part – when you spend money 5 times at a retail partner, you get the chance to play Snake for additional supercharge bonus points!

Total earned in 2018: $18.70

Get started with Drop and earn gift cards automatically!

Use Dosh to make extra side income | Simplifinances

Dosh – A smartphone app that gives you cash back every time you make a purchase at participating outlets using your credit card.

If you link your credit card with the Dosh App for the first time, they will instantly add $5 cash to your Dosh Wallet. There is no “unlocking” this bonus; you literally get it as soon as you link your card. And you can add additional cards for more cash.

Total earned in 2018: $30.65

Earn $5 by linking a card!

Use Retail Me Not to make extra side income | Simplifinances

RetailMeNot – Gives you coupons, promo codes, gift cards and a whole bunch of other things. With those alone, I’ve saved a lot of money. It’s been around for a while but last year they released the ability to link cash back offers. And I don’t spend a lot of money but so far I’ve earned a little bit of cash back from a purchase I made at CVS. 

Total cash back: $4.00

Sign up!

Use Paribus to make extra side income | Simplifinances

Paribus – An easy way to put money back in your pocket. It’s an online service that tracks your online purchases for lower prices and requests a refund if it finds a lower price.

I’ve been signed up now for about a year and I still haven’t been able to get any cash back on this. But some people have done well with it. The more you buy stuff online to more you’ll get back. 

Total earned in 2018: $0.00

Sign up for Paribus and get refunded when prices drop!

Use Earny to make extra side income | Simplifinances

Earny – This is similar to Paribus, so hypothetically speaking you may be able to get double the refund back if both apps pick up a purchase of a product that has dropped in price. This hasn’t worked for me yet but maybe you’ll be the lucky one! Get started connecting your credit card!

Total refund: $0.00

Give Earny a try!

Use Honey to make extra side income | Simplifinances

Honey – A Google Chrome Extension that will flash anytime you’re about to check out on most websites and automatically find the best coupons and promo codes for your purchase with a single click. It gets added to your Honey account and you can cash out when you reach $10. 

Total earned in 2018: $5.40

Get started honey!

Up to this point, each app that I’ve listed by itself might be a waste of time. But, when you stack one on top of another, it starts to become more worth it. Making $5 on one app in 2018 is nothing to be too excited about, but I’ve been able to earn $670.22 in 2017 and 2018 with most of it coming in the second half of 2018 just from the apps listed above. I wouldn’t be surprised if I doubled that in 2019 as I master these and try new things. 

Apps have only been around for about 10 years and most of these apps have been introduced in the past couple of years. I believe we’re still very early in making money from our smartphones and we will continue to see more and more opportunities as phones get smarter. 


Use Acorns to make extra side income | Simplifinances

Acorns – A smartphone app that “rounds up” your spending to the nearest dollar and invests that difference. For example, buy a drink for $3.50, and $0.50 will be added to your investment account.

You link a credit card and checking account, and Acorns does the rest. This micro-savings service makes investing almost painless because you are spending only pennies at a time. You can also invest any amount of money you choose to on a monthly basis or at one time in low-cost Vanguard index funds. 

Sign up for Acorns and get $5 to start investing!


Use Trim to make extra side income | Simplifinances

Trim – Saving money on your bills will free up some cash to do other things. “Trim isn’t an app, but rather an AI assistant that analyzes your financial transactions and finds ways to save you money. When Trim started in 2015, its core capability was finding and canceling unwanted subscriptions, and this is still what it’s best at.” – PC World

You can read a post I did about Trim and see how I was able to save $25 on my internet bill.

Start saving money today with Trim!


Use Varo to make extra side income | Simplifinances

Varo – A new online bank that I discovered because of its high-yield savings account. Right now, we’re earning 2.10% interest on our savings. That’s hundreds of times more interest than other banks pay.

They only operate through an app and are changing how we do mobile banking. 

Sign up for Varo and earn more interest on your savings!


Use Raise to make extra side income | Simplifinances

Raise – The best way to get rid of your unwanted gift cards and make some extra money, with little effort. Raise is an online marketplace where you can sell your unwanted gift cards for cash at whatever price you choose and buy discounted gift cards to the places where you actually shop.

Get started with $5!


Use Lending Club to make extra side income | Simplifinances

Lending Club – Peer-to-peer lending platforms are a great alternative to the stock market and still yield a decent return. You can participate in two ways. You can lend other people money and get a decent return. Essentially, you act as the bank, which is pretty neat. And if you need a loan you can borrow one from someone else. It’s worked out for many people for over 10 years. 

Lending Club is the world’s largest online credit marketplace connecting borrowers and investors. Definitely something worth looking into!

Learn more about Lending Club!


Use Digitto make extra side income | Simplifinances

Digit – A service that automatically saves your money, so you don’t have to think about it. Designed to help you save small bits of money over time.

As with the Acorns app, you won’t get rich off the money you save with this service, but it does initiate that first step toward creating a savings habit and building wealth.

Give it a try!


Use Achievement to make extra side income | Simplifinances

Achievement – An app that connects to more than 20 other health and fitness apps (Fitbit, MyFitnessPal, Samsung Health, or Apple’s Health app). It tracks your healthy activities, including sleep, step and nutrition data, and it rewards you with points.

You can convert your points to cash or donate them to a health-related charity you care about. You can also earn points and money for participating in health studies.

Total earned: $20

Set it, leave it and get paid!


Use Your Phone To Make Money | Simplifinances

12. MAKE $3.00 – $20.00 AT THE STORE

Use Field Agent to make extra side income | Simplifinances

Field Agent – Once you download the app, you can set it to check for jobs in your local area. These jobs vary greatly, but for the most part they involve doing things inside stores. For example, recently I was at Walgreens and I took 3 pictures of some beverages, answered a couple of questions and made $3.

Sometimes when I’m at Costco shopping with my wife, I’ll wander off by myself and complete a job or two. Occasionally, they may ask you to buy something and they will reimburse you 100% of the cost. What’s better than free food?

Total earned: $46.90

Become a Field Agent today!

Use Mobee to make extra side income | Simplifinances

Mobee – Mobee is an app that pays you to complete missions near you. These missions usually consist of going to local stores and answering questions about the store. Every time you complete a mission you earn points that can be exchanged for gift cards.

Total earned in 2018: $28.75

Sign up for Mobee! Use my referral code: K1KC to earn 300 points.

Use EasyShift to make extra side income | Simplifinances

Easy Shift – The Easy Shift App pays you for completing small, simple tasks. These tasks are known as shifts. According to the website, it will give you shifts that you must complete within a certain time limit. The tasks include going to local stores and taking pictures of whatever product that is requested.

These tasks are longer and a little more difficult than Field Agent and Mobee. 

Total earned in 2018: $21.50

Try out Easy Shift for yourself!

Use Gigwalk to make extra side income | Simplifinances

Gigwalk – If you sign up to be a Gigwalker and download the free app, you’ll get the opportunity to do little odd jobs, or “gigs”. These jobs might consist of taking pictures of different businesses, downloading and trying out different apps, and answering consumer research questions.

Total earned: $9

Sign up for Gigwalk today!


Use Spare5 to make extra side income | Simplifinances

Spare5 – The Spare5 app pays you to complete small and easy tasks directly from your smartphone. Their main intention is that you can use the time waiting in line, riding the train or waiting for a friend to earn a bit of spare cash in your time.

What I did was go to the park with my wife one day and take pictures of random things. They’ve got a list of hundreds of things you could take a picture of. 

Total earned: $0.68

Sign up for Spare5 today!


Use Fundrise to make extra side income | Simplifinances

Fundrise – You can buy individual shares of real estate property through a website like Fundrise. According to their site, investors can earn an average of 12 to 14 percent annually on their investment.

Become a lazy landlord!


Use Robinhood to make extra side income | Simplifinances

Robinhood – A free-investing app that’s ideal for investors who want to trade stocks, options, exchange-traded funds and cryptocurrency without paying commissions or fees. I signed up for Robinhood in 2016 and have been using it ever since.

Warning: it can addicting! I use to check in on it every day to see how my money was doing. I try not to as much now! 

Get started investing with Robinhood and get a free stock!

Use Vanguard to make extra side income | Simplifinances

Vanguard – When it comes to investing for retirement with accounts such as a Roth IRA or a 401k, I recommend Vanguard because of their great customer service and lower fees. Jack Bogle, the founder of Vanguard, dramatically changed things for the average investor by creating the index fund. They don’t have the most user-friendly online interface but that’s ok because is all I do is set the money and leave it.

Set up a retirement account.

Use Stockpile to make extra side income | Simplifinances

Stockpile – Stockpile is an app and online broker that also offers gift cards that can be used for the purchase of both stocks and exchange-traded funds (ETFs). The gift cards can be purchased and redeemed on the Stockpile platform. It avoids the hassle of having to purchase a single stock.

Instead of giving gifts to my little sisters, the past couple of years I’ve given them fractional shares of Lululemon and Disney. 

Buy fractional shares of companies.


Make Money With Your Car | Simplifinances


Use Wrapify to make extra side income | Simplifinances

Wrapify – I haven’t done this but I’ve heard of people making anywhere from $200 – $400 a month to wrap their entire car with advertisements. The more you drive the more earning potential you have. So if you’re a rideshare driver you could make some additional side income with this. Another car advertisement company I’m somewhat familiar with is ReferralCar. They will pay you to just put an advertisement on your back window. 

Start advertising on your car. 


Use Uber to make extra side income | Simplifinances

Uber – I’m sure you’ve heard of Uber before and I don’t need to go into detail on what it is. This has by far been one of the more popular side hustles of the past couple of years.

I haven’t actually driven for Uber and Lyft because the town that I am in is a college town and it seems that there are more drivers than people needing a ride and I’ve never felt like I’ve had time to do it. However, there are many people making a decent side income. 

Give Uber a try and make $125 guaranteed in first 30 trips.

Use Lyft to make extra side income | Simplifinances

Lyft – Lyft is another great way to make extra money by using your car. Right now, new drivers who sign up with Lyft earn a $75 bonus after their first 50 rides. If you have weekend and evening availability, you could easily reach that in a few short weeks. Sign up with Lyft to claim your $75 bonus!

Start driving for Lyft

Use Turo to make extra side income | Simplifinances

Turo – Turo is like the AirBnB of cars. When you’re not using your car you can rent it out to other people that need one for a short period of time. 

It’s estimated the average owner makes an additional $540 a month letting others use their car, but that depends on how often you make it available.

Rent your car out with Turo.

Use Gas Buddy to make extra side income | Simplifinances

GasBuddy – Enter to win cash when you report gas prices with GasBuddy. You can also use it to find the cheapest gas prices in town. When you pull up to a gas station to fill up or even when you’re driving past a gas station, report the gas prices and you can enter to win $100 of free gas.

I’ve never won the gift card but I also don’t spend a lot of time reporting gas prices. 

Download GasBuddy


Work From Home | Simplifinances


Use Rover to make extra side income | Simplifinances

Rover – If you’ve considered becoming a dog sitter, you may have wondered where to find a steady supply of dog-sitting jobs. Maybe you’ve even thought of starting your own dog-sitting business – putting up flyers, perhaps, or posting ads on Craigslist or your neighborhood bulletin.

Those are all good ways to get started, but there’s another option for anyone considering a part-time or full-time job as a pet sitter with Rover.com.

Become a dog sitter.


Use VIPkid to make extra side income | Simplifinances

VIPKid – VIPKid is an online teaching service. Teachers from North America teach students in China. Most are between ages 5 and 12. The pay varies from $15-20 per hour.

Give VIPKid a try.

Use Udemy to make extra side income | Simplifinances

Udemy – Udemy is a global marketplace for education. With its wide-ranging topics, Udemy has courses for both professional and personal development.

Anyone with a background in teaching or special expertise can design and offer a course on Udemy. However, courses must have at least one to three hours of content.

As an instructor, you must create a curriculum, set course goals, and define your target students.

Start teaching a course.


Use UserTesting to make extra side income | Simplifinances

User Testing – This is one of those very simple to use programs. The idea is that people have their websites reviewed by you an end user. Take a video of what you are doing and a recording of what you are saying and they pay you for your time.

Test take no longer than 20 min. Each test will pay $10.00.

Get started testing websites.


Use Fiverr to make extra side income | Simplifinances

Fiverr – Fiverr is an online marketplace offering all sorts of tasks and services for as little as $5 per gig.

If making money on Fiverr is your goal, you’ll need to set up your free account and then complete your seller profile.

Then you can go in and create your own gig. If you aren’t sure what to sell just spend some time browsing the Fiverr catalog to see what is out there and what kind of service you can offer.

See what you can offer on Fiverr.


If you want a way to make a quick $500 this weekend, consider going through all over your unwanted stuff and having a garage sale. My wife and I made $600 last summer before we moved to Texas. 

You can also sell your unwanted stuff on places like LetGo and Decluttr.


Use Facebook to make extra side income | Simplifinances

If I had to start over 100% from scratch and I had nothing to my name. No income, no furniture, nothing. The first place I would look would be Facebook Marketplace. I would go to the free section and turn around and sell the same item. I would keep doing that until I’ve made enough money to move on to the next thing. 

Is all you have to do is find free stuff, fix it, and sell it.


Anytime Work | Simplifinances


Use Airbnb to make extra side income | Simplifinances

Airbnb – Airbnb is an online community marketplace that connects people looking to rent their homes with people who are looking for accommodations. Why not list your extra bedroom and start making some passive side income. 

Make money with AirBnB.


Use Instacart to make extra side income | Simplifinances

Instacart – Shoppers make money by shopping for groceries at local stores the company is partnered with and delivering those items to customers’ homes. The hours are flexible and the orders come through Instacart’s shopper app. I’ve delivered groceries a few times and made anywhere from $25 – $20 an hour.

You could also save time going to the grocery store and have someone deliver groceries to you while you work on another side gig. 

Start delivering groceries with Instacart.

Use Shipt to make extra side income | Simplifinances

Shipt – Shipt is a grocery delivery service that’s rapidly expanding its team of independent contractors. It was acquired by Target in 2017 for $550 Billion. If you’re interested in earning extra money in the sharing economy, Shipt could be a great way for you to make good money (about $25 per hour) on your own schedule.

Start delivery groceries at Target.


Use Care.com to make extra side income | Simplifinances

Care.com – Care.com is a one-stop sites to find caregiving services for your family and home. You can be hired to walk someone’s dog every day, be a housekeeper to tidy up homes once a week or watch someone’s kids on a regular basis — all in one place.

Take care of other people’s family/home.


Selling old textbooks to make extra side income | Simplifinances

Amazon – I’m not sure if you’ve heard of Amazon before. Apparently, it got its start selling books on the internet and has grown a little bit since then.

In college, I would always buy my textbooks used off of Amazon and then turn around and sell them when I was done. 

Sell your old textbooks. 


Use Market Force to make extra side income | Simplifinances

Market Force – Marketforce is a mystery shopping company that is legit and that most people seem thoroughly satisfied with.

Not necessarily a way to make side income but you can be reimbursed for your meals.

The amount you’re paid varies depending on what you’re doing. In most cases, you’ll be asked to visit a place of business and purchase something costing at least a certain amount of money as well as fill out a survey on how clean the place was, how helpful the workers were, and things like that.

You’re generally reimbursed for what you bought and paid a little extra for taking the time to do the mystery shop. It’s definitely not going to amount to a fortune and probably won’t pay all your bills, but it could be a source of extra money for you.

I’ve completed one mystery shop at Five Guys. I was paid $6.00 and reimbursed for $12.75.

Start mystery shopping.


Use Appen to make extra side income | Simplifinances

Appen – Appen is a data collection company that uses information (gathered from human interaction) to make machine learning programs act more “human-like.”

They do this through independent contractors (you) and employees who perform tasks online like speaking phrases into a microphone or having you evaluate social media and search engines.

I’ve been doing this for months and have consistently made $300 per month for just a few minutes of work every day. It’s become my favorite way to make side income!

Become an ad rating expert.


Part-Time Work | Simplifinances


Use Etsy to make extra side income | Simplifinances

Etsy – Etsy is a great tool for marketing and selling your creative works. My wife has always been the creative type. When she was in high school she started selling handmade earrings and bags on Etsy.

Two years ago she decided to start her online e-commerce business Cozy Cottontail and sell only on Etsy. She made over 500 sales in the first 6 months and then decided to create her own online store with Shopify. So now she sells on both! 

Sell on Etsy.


Use Shopify to make extra side income | Simplifinances

Shopify – Shopify makes it easy for people who know nothing about programming, coding and web development to startup and run their own online store. They do this so entrepreneurs can focus on the building the aspects of their business they excel at without having to worry too much about the technical stuff.

Running a business with Shopify has made everything so much easier. It can be expensive and really hard to get things off the ground but I recommend it if you want to sell stuff online. 

Sell on Shopify.


Use The Loan Signing System to make extra side income | Simplifinances

The Loan Signing System – I was listening to the Side Hustle Show podcast and the episode was titled “How to Become a Loan Signing Agent and Earn $100 an Hour Part-Time.” At first it sounded complicated. What did a loan signing agent even do? Before we moved to Texas I wanted to find a new viable side hustle. I hardly ever spend money on courses but this one felt like it was something I could do. So I purchased the course and within a month did my first loan signing. I’ve since done 42 and it has been an amazing side gig! 

What I am is a “Loan Signing Agent”. No, not a real estate agent and I don’t give out bank loans. What I do is assist Borrowers in properly filling out and signing their documents for loan officers. Additionally, I sign and notarize where I need to. The course is called the “Loan Signing System” by Mark Wills. Mark is an excellent teacher and my upfront cost was probably $350. I was easily able to make that back in the first month. It’s been a lot of fun, I’ve learned a ton about the real estate industry and I could see myself doing this for many years!

Take the course. 


Use TaskRabbit to make extra side income | Simplifinances

TaskRabbit – The site works as a middleman to let clients post the work they need help with that requires a handyman, cleaner, mover, etc. As a “Tasker,” you can use the site to find jobs, contact potential clients and collect payment for your work (minus a 20% service fee).

Using the site, as opposed to working through an avenue like Craigslist, helps make sure you actually get paid for your work and reassures clients that you are who you say you are and don’t have a criminal record.

Earn side income from your skills


Use Upwork to make extra side income | Simplifinances

Upwork – Upwork is an international freelance marketplace where independent business people hire and meet with freelancers for various web-based tasks.

You can work at Upwork if you possess the skills the website requires and can perform the service on your computer remotely. All you have to do is create an account, specify what service you are able to provide, start looking for jobs, get hired and get paid.

Perform virtual tasks.


Individuals and businesses are willing to spend a few hundred dollars a year to have someone else prepare their taxes. That someone could be you. There are a lot of resources out there to learn tax preparation and all its complexities.

I became a VITA (Volunteer Income Tax Assistant) a few years ago and have helped many people prepare and submit their taxes to the IRS. It was part of my job so I never charged my clients directly but I could see myself offering this as a service I know people will pay for. 

Become certified by the IRS.


One of my favorite things to do is find used old furniture for free and turn around and flip it. There aren’t many places where you can get something for free and turn around and sell it for great money! 

Read about my latest project!


Local rec leagues, whether it’s softball, flag football, soccer, etc. need people to officiate games. Working a game or two each weekend is a great way to make some extra side income.

I did this my senior year of high school and it was great because it was on Saturday’s and at night on weekdays. I did this for like two years as my main side hustle and would make $10-$12 a game. 

Check out a post J. Money from Budgets Are Sexy put together about becoming a referee. 


Woodworking is a great skill to have. The better you are the more you can get paid. I’ve been doing wood projects since high school and to me, it’s very therapeutic.

When I become financially independent, I can see myself spending a great amount of time working on wood projects. There’s nothing quite like putting the final touches on something you build and putting it inside your home. And if I made money doing it, I certainly wouldn’t complain.

This website is my favorite place to find wood projects.


This has been my number one side hustle for years. I started detailing cars in high school while working at a car wash. I started my own car detailing business in 2014 and I ran that for four years, all through college. This provided a great income, and the ability to set my own schedule and rates.

It’s not the fanciest work, but believe me, there are so many people that are willing to pay someone to do a good detail on their car every year. You only need a couple thousand dollars to get all of the right equipment to have a successful business up and running in a short amount of time. I would recommend anyone to do this. 


Make Money Online | Simplifinances


Use Bluehost to make extra side income | Simplifinances

Bluehost – This can be just a simple side hustle, or it can turn into something really special – it’s up to you. I’m a huge fan of blogging because I love writing and connecting with people. Everyone has a passion for something and a story to tell. Give blogging a try and you never know what it could turn into. 

Sign up for an email course created by Grant at Millennial Money that got me to finally start a blog. 

Start a blog with Bluehost.


Use Anchor to make extra side income | Simplifinances

Anchor – Maybe your writing isn’t all that great, but you are a great conversationalist. If you have a topic you’re passionate about, why not start a podcast? As your audience grows, you can land some pretty sweet sponsorship deals.

Start a podcast with Anchor.


Use YouTube to make extra side income | Simplifinances

Youtube – Your topic area can be literally anything. From pranksters filming their antics to chemistry professors sharing their how-to videos, anyone can make side income from YouTube.

Share your skills with the world.


Content is what drives web traffic. Websites are always pumping out fresh, new content for their readers, and they are always looking for writers! If you aren’t quite ready to launch your own blog yet, this might be a good option to see if writing is for you.

I started freelancing last year and it can be a great source of side income and the flexibility to work from wherever makes it all worth it. 


If you enjoy learning about social media and want to take things a step further and make extra side income, social media management is a great option. If you’re good at it, it can also open up a lot of doors for you down the road.

Every business nowadays needs someone to manage their social media. 


Use Facebook to make extra side income | Simplifinances

Facebook ads are invaluable to both online and brick and mortar business owners these days. You can easily bring in $1,000 or more of side income per month with just a handful of Facebook ad clients.

If you’d like to take a course and learn the ins and outs of managing Facebook ads for businesses, you should check out the Facebook Side Hustle course that my friend Bobby has put together. 


It doesn’t have to be long! Many popular ebooks are less than 50 pages. The Penny Hoarder has a great article that outlines How to Publish Your Ebook and Earn Money. 

It requires a lot of upfront work, but once it’s written you can say you’ve written a book and after that it’s just passive side income.


If you’ve got expertise in a certain area, package up your knowledge into an online course and sell it. This has become a very popular business model for online entrepreneurs over the past several years. The two big websites that are used to sell online courses are Udemy and Teachable.


Depending on where you live, there can be a pretty strong demand for this type of thing. If you don’t mind getting your hands dirty, this is definitely something to consider!


It’s not glamorous work, but pretty much all brick and mortar businesses need it. And you can provide that service.


Everyone needs a website in 2019 and some are willing to pay a pretty penny to get it done right. I’ve designed 3 websites. I’m in no way an expert but I could see someone making great side income just specializing in website design. 


If you have specialized skill in any sport, there are definitely opportunities out there for teaching others the fundamentals (and getting paid).

Who doesn’t want to be fitter and stronger? That’s why becoming a personal trainer might bring in some great side income as you help people reach their goals. 


Use AFCPE to make extra side income | Simplifinances

AFCPE – I wanted to become a financial coach many years ago. So I took and passed the Accredited Financial Counselor exam. You don’t have to do this to coach people. It really is about connecting and building relationships with people. But for me, it lends credibility and shows people that I have taken this seriously. 

Check out the certification. 


Use Gigsalad to make extra side income | Simplifinances

GigSalad – GigSalad is the largest and most diverse marketplace for booking bands, performers, speakers and services for events, parties, and productions of all types and sizes. A great way to make some side income id you want to be a performer.

Get paid to share your talents.


Use Steady to make extra side income | Simplifinances

Steady – Steady is here to help you look after your financial health – from matching you with job opportunities to make extra money, to providing you a side income tracker to monitor your earnings, to ensuring you have the benefits you need while you work.

Look for more side income opportunities.


Ways to make more at your current job | Simplifinances


Easier said than done, I know. But if you’re willing to go above and beyond and prove yourself to management, you can move up the corporate ladder.


If you ask for a raise, what’s the worst thing that could happen? They say no. So why not give it a try?


I’m not a huge fan of directly trading your time for money, but sometimes the offer of working overtime is too good to pass up. Ask your boss if you can pick up some extra hours each week.


Remember, if you’re struggling to make side income, you don’t have a money problem you have a skill problem.

Some of these things are temporary and short term while some of them could turn in to full-time jobs that require skill. Focus on developing a skill or a talent stack and the money will follow. 

Focus on how you can add the most value to other people’s lives. If you focus on developing a skill and adding value, you’re not going to struggle financially.

We all go through different phases of life and sometimes you do need to start making some quick money. That’s why I’ve included a list of many different ways to make some side income. 

Hopefully, you’ve received value from this post on how to earn side income!

Which one will you get started with? 

Experiments in Financial Independence with Instacart

Experiments in Financial Independence with Instacart

As a financial coach, I get the question all of the time, “how can I make a little extra money in order to cover my bills?” 

One of my hobbies is side hustling and I wanted to experiment with something new and show you that it’s possible to make some extra money on the side. This is something you can do too!

The day after we got home from the hospital when our son was born, it was a cold day in February in the Rocky Mountains. We didn’t want to leave to buy groceries but we needed food. We heard that Costco had announced that it was offering grocery delivery in less than one hour. 

So we said what the heck. Why not give it a try? So we ordered some cereal, bread and other necessities like Boom Chicka Pop. Within 45 minutes someone was dropping our groceries off at our door. My wife and I looked at each other when he knocked like, woah! We left him a tip and that experience always stuck with me. 

I wondered if that was a good side gig. I did some research and realized it’s possible to make somewhat decent income on the side. I tucked that idea away for a little bit and it wasn’t until recently that I thought I would try it out.

I signed up for Instacart through the Steadyapp which is an app that is a central location for all sorts of different side hustles. Signing up was simple and within a few days I had a debit card and a lanyard sent to me. 

I activated the debit card and was able to pick a 5-hour window to work during the upcoming week. 

Before I started the shift I was nervous. I didn’t know if I would get work right away or if I would just sit there the entire time because no one buys groceries online to be delivered to their door. 

I live really close to Costco so I just waited at my house until an order popped up. After about 30 minutes of waiting for a notification, it happened. I jumped in my car and headed to the store. 

My first order was from a man named Randy and he bought 6 items from Costco.

As I got to the store and started shopping, my inside Costco location skills were tested and I definitely didn’t get all of the groceries in a quick and orderly fashion. I was all over the place!

As I was shopping for the items I had about 45 minutes to get the groceries to the customer’s house. So I had a little bit of time to squeeze in for a Field Agent job as well. What that is, is occasionally you can get paid to take pictures of things inside of a store. I was paid $4.00 to take a few pictures of the toy section at Costco. 

When it came time to check out I stumbled a little bit. I swiped the card and it asked for a pin. I didn’t know the pin and so I panicked. Turns out I had to check the app to find the debit card pin before I checked it out. But I was eventually able to get the groceries paid for. 

Now it was off to the races. I had a few minutes to deliver the groceries to Randy. He lived in an apartment complex but luckily I was able to quickly find his. I showed up on time with the groceries in hand and my lanyard around my neck. 

I walked up to the door and no one answered. But I could hear someone inside. So I waited and waited. After a minuted or two of waiting a man came to the door with no legs. And he couldn’t really talk. But he pointed to the kitchen and I walked in and left the groceries for him. He was a very friendly guy but I couldn’t help but feel sorry for him. 

As soon as I left his house it hit me. This is pretty cool. I get to help people make their lives easier and simpler. He probably couldn’t have made it to the store on his own and he probably didn’t have anyone that could do shopping for him. I felt like a good citizen doing a good deed for another person. 

We all need to eat and going grocery shopping can be a real hassle for a lot of people. 

After I finished up that order I went back to Costco and waited a few minutes. Nothing was coming through so I decided to take my chances and go and workout at my gym across the street. I was able to nearly complete an entire workout when I got a notification for another order. 

I hoped in my car, crossed the street and did my second order. Except this order was different. As I was walking into Costco, I realized that this order had a ton of items. I didn’t know how I was going to fit it all in my car let alone one cart. It took me a while to gather all of the items and I had to use two carts but I was able to get everything in my car and then it was off to the races. 

When I got to my delivery destination I noticed it was at a church. I thought that’s a smart church! They’re trying to save time. I asked them what it was all for and they said it was for their members for church tomorrow. Keep in mind this was on a Thursday. I didn’t know people went to church early on a Friday morning. 

I had people help me bring in all the groceries and they left me with a $15 tip which I thought was very thoughtful.

Long story short. The amount of time that I was actually shopping and driving around was 1 hour and 26 minutes. I made $38.30 in that amount of time with a $15 cash tip which came out to $53.30 for an hour and a half worth of work. That works out to be $37.20 per hour! Not too bad for a side gig. 

So if you want to get started here’s how:

Download the Instacart Shoppers App and it’ll walk you through the steps to sign up. It’s really simple and I was approved within a couple of days and the Instacart debit card and lanyard showed up at my door. 

Once you’re approved and you have your stuff you will need to set your hours. I live in a college town and so I think there are a lot of other students in town that are shoppers and so the hours were limited. But I was able to schedule a shift for the following week. 

Once you start your shift you just wait for the notifications to start coming in and get to work! 

Happy side hustling!

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