The Ultimate Guide to Making Side Income (2023)

The Ultimate Guide to Making Side Income (2023)

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

Making extra side income could change your life. I’ve explored dozens of ways to earn a second income on top of my day job, and it’s opened up so many doors. As a financial coach, I get the question all the time, “how can I make extra side income?

If you want to save more towards financial independence, pay off your debt, or start a new side hustle because you hate your job, you’ll apply side income ideas from this post and start making more money. 

Don’t Waste Your Time

Word of caution—don’t waste your time.

There are thousands of different ways to make side income streams.

I’ll tell you from my experience what works and what doesn’t work, so you don’t waste your time. Everything on this list, I’ve tried.

Nothing bothers me more than when an article benefits the person who wrote it more than the people reading it.

For example, a post telling me I can make $500+ per month completing online surveys isn’t real. Or when the article has the highest affiliate payout links but doesn’t add value to the reader. 

You won’t get that here.

I don’t promote anything I haven’t tried. Many of the side income 2020 sources below are affiliate links that help support my business, but I’m sharing these ideas because I want to help you in times where you want to make money, not because it’s the highest payout for me.

I suggest bookmarking this page and coming back. Everything is free to join.

If you have a friend or family member who would like to learn how to make side income, please share it with them!

Here’s the link:

Focus On Skills

The number one thing you can do to increase your second 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 a second income, you don’t have a money problem; you have a skill problem. 

You may feel like many of these ideas are a waste of time. But experiment and move on to another idea. 

Especially in 2020 with the number of people who have lost their jobs and filed for unemployment, it’s more important now more than ever to focus on increasing your skills. A report put together by DollarSprout found that 1 in 4 side hustlers need extra money to make ends meet.

Table of Contents

  • Quick Money
  • Use Your Phone to Make Side Income
  • Use Your Car to Make Side Income
  • Work From Home
  • Anytime Work
  • Part-Time Work
  • Ways to Make Extra Income at Your Current Job

Quick Money

Many of these quick side income 2020 ideas have worked great for me, which you can complete from your phone. There’s more to learn and more earning potential with your phone, especially as smartphones get smarter. 

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

A Note About Privacy

Keep in mind what youre giving up when you sign up to get paid to do stuff online. Often if an app is free, it means you’re the product. I’m not ignorant of the fact that I’ve given up personal information to make side income online. Many 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. I want to take advantage of the opportunities out there. 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 it’s quick and easy. 

Survey Junkie side hustle | 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. Even if you don’t qualify for a study, you’ll still get rewarded for trying.

Total earned: $13.91

Sign up for Survey Junkie today!

Swagbucks side hustle | 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: $15

Sign up for Swagbucks and get a $10 bonus!

InboxDollars side hustle | Simplifinances

InboxDollars – Inbox dollars is a website/app you can join to earn extra money (although the money is more like pennies) because it takes forever 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.

Total earned: $40.29

Use this InboxDollars link and get started with $5.00!

Perksy side hustle | Simplifinances

Persky – Perksy is a new mobile app launched in 2018 aimed toward millennials. It’s super easy to complete “stacks” for points, and they do a great job with the UI. At the time of this writing, it’s only available on iOS. Take advantage of the Perksy stack codes available right now!

Total earned: $35.98

Sign up for Perksy and get started making money today!

Google Rewards side hustle | 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. Payments are sent via PayPal if you use iOS.

Total earned: $13.31

Sign up for Google Rewards today!


Shopkick side hustle | Simplifinances

Shopkick – If you aren’t using Shopkick, you should be! Shopkick allows you to earn points for various activities 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 ten kicks for walking in. Then I earn hundreds of kicks scanning items we’re already walking past.

You don’t even need to go into the store, driving by slow will give you kicks!

Total earned: $69.00

Sign up for Shopkick and claim 250 kicks.

Use Zap Surveys to make extra side income | Simplifinances

Zap Surveys – Get rewarded for entering stores like CVS and Walmart. These rewards are available at most major retailers.

When a partner retailer or restaurant is running a promotion, and you’re nearby, Zap Surveys will send you a notification. If you open the app, you’ll get rewarded with up to $0.25. You can also earn money from surveys and checking in daily. 

Total earned: $70.21

Sign up for Zap Surveys and get $1.00!

Use CheckPoints to make extra side income | Simplifinances

Checkpoints – This is similar to Zap Surveys. 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. You could be miles away from a store, and it will still give you 20 points. Cash-out via gift card.

Total earned: $25

Sign up for Checkpoints! Use code scotthendy121 

Use Panel App to make extra side income | Simplifinances

Panel App – Earn points towards sweepstakes and gift cards 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: $37.73

Sign up for Panel App and make extra dough!

Monkey Rewards | Simplifinances

Monkey Rewards – Similar to other paid survey apps that allow you to make money for taking surveys but with a twist, SurveyMonkey Rewards users earn credits that can be redeemed for either Amazon Gift Cards or donated to a charity – and they match donations!

Total earned: $39.45

Download the SurveyMonkey Rewards app and start earning rewards today!

Surveys On the Go | Simplifinances

Surveys On The Go – This is one of the easiest ways to earn quick money. Each day, I’ll have the opportunity to participate in surveys and most of the time I don’t qualify for them or they will take too long. But even if you don’t qualify they still give you $0.10 which is pretty good.

Total earned: $56.65

Get started with Surveys On The Go!


Use Ibotta to make extra side income | Simplifinances

Ibotta – An easy-to-use cashback app with 100+ retailers, both in-store and online. Anywhere you go shopping, you’ll find cashback opportunities.

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

Total earned: $397.43

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

Use Receipt Hog to make extra side income | Simplifinances

Receipt Hog – 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, using Receipt Hog is quick – a snap of a receipt, and that’s it! It takes seconds of your time. Get paid via PayPal, Visa, and Amazon gift cards. 

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

Total earned: $45

Sign up for Receipt Hog today!

Use Receipt Pal to make extra side income | Simplifinances

Receipt Pal – Similar to Receipt Hod, 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 I’m $5.00 away from cashing out with another $25 Visa prepaid card. 

Total earned: $55

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

Use Fetch Rewards to make extra side income | Simplifinances

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

  • 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 you’re going to make the purchase, and you don’t have to scan the barcodes of the items you purchased
  • Lastly, Fetch doesn’t pay its users with cash — instead, you redeem your earned points for gift cards

Total earned: $60

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

Use CoinOut to make extra side income | Simplifinances

CoinOut – A smartphone app 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: $21.78

Join CoinOut Now!

Use Checkout 51 to make extra side income | Simplifinances

Checkout 51 – Start earning cash while you grocery shop. Browse the list of grocery items posted and select which items you’re interested in buying. The list updates Thursday at midnight, and the grocery items on the list qualify for cashback until the following Wednesday at 11:59 p.m. 

It’s harder to earn cashback than Ibotta but worth a shot. 

Total earned: $29.80

Start earning cashback 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 cashback 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: $9.31

Sign up for Trunow and get $0.50!

Use to make extra side income | Simplifinances – Get printable coupons, link loyalty cards, and earn cashback on everyday purchases.

This one can be difficult to earn cashback because the amount of offers is limited. They may have deals where they give away free food, and they’ll reimburse the cost of the purchase. Last month, we got free eggs!

Total earned: $7.31

Get the 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 cashback on purchases you make.

Like other cashback rebate apps, you can submit pictures of your receipts or link your store loyalty card, and money is to your account.

Total earned: $1.00

Become a SavingStar (haha)!


Use Ebates to make extra side income | Simplifinances

Rakuten – This is my favorite cashback app (previously known as Ebates). It has gained popularity over the past few years. There are two ways I earn cashback:

  • Enabling the Google Chrome extension, and each time I go to check out on any partner’s website, it asks if I’d like to activate cashback. Then I don’t have to remember to go to the website; it’s always there.
  • The second way is using the Ebates app. Open the app and click through to your favorite stores, and when you purchase an item, cashback is added automatically. 

Total earned: $226.39

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

Pei App automatic cash back | Simplifinances

Pei – Automatic cashback in Bitcoin or cash. This app is similar to others where you connect your debit/credit cards. When you purchase items at popular places like McDonald’s, CVS, Taco Bell, Walgreens, and Chick-Fil-A, you get automatically rewarded. This one is becoming my favorite to have on my phone.

Out of all the other apps, this one is probably the easiest because of the popular merchants they work with.

Total earned: $30.95

Sign up for Pei and get cashback automatically!

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. Link up a card, and you’ll automatically get cashback when you spend money at certain brands such as Walmart, McDonald’s, etc.

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

Total earned: $54.34

Get started with Drop and earn gift cards automatically!

Dosh App | 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’ll instantly add $5 cash to your Dosh Wallet. There’s no “unlocking” this bonus; you get it as soon as you link your card. And you can add additional cards for more cash.

For a deeper look at the Dosh app, read: A Review of the Dosh App. Legit or a Scam?

Total earned: $54.28

Earn $5 by linking a card!

RetailMeNot | Simplifinances

RetailMeNot – Coupons, promo codes, gift cards, and a whole bunch of other incentives. Last year, they released the ability to link cashback offers. And I don’t spend much money, but so far I’ve earned 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.

The more you buy stuff online, the more you’ll get back. Paribus even tracks orders from Amazon to see if they were delivered late. If it was, then you’re entitled to compensation from Amazon. Here’s the script they give you:

“Hello, me order #112-5044649-6629004 arrived later than promised. Could you please fix the issue through your shipping promise? Thank you very much.”

I tried it once and the next day Amazon had issued me a $5 gift card.

Total earned: $6.53

Sign up for Paribus and get refunded when prices drop!

 Earny | Simplifinances

Earny – This is similar to Paribus; you’re giving Earny permission to track your purchases. You’ll get double the refund back if both apps pick up a purchase of a product that has dropped in price. Maybe you’ll be the lucky one! Get started connecting your credit card!

I hardly spend online which is probably the reason I haven’t earned cash back.

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 it will 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: $10.40

Get started honey!

Up to this point, each app 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 is nothing to be too excited about, but I’ve earned over $1,000 from the apps listed above.

Most of these apps have been introduced in the past couple of years. I believe we’re still early in making money from our smartphones and we’ll continue to see more and more opportunities as phones get smarter. 


Use Acorns to make extra side income | Simplifinances

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

You link a credit card and checking account, and Acorns does the rest. It makes investing painless because you’re spending only pennies at a time. You can also invest any amount of money you choose to monthly 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 cash. “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 wrote about Trim and see how I saved $25 on my internet bill.

Start saving money today with Trim!


Varo Money | Simplifinances

Varo – A new online bank I discovered because of its high-yield savings account. We’re earning 1.80% interest on our savings—100x higher APY than other banks.

They operate only through an app and are changing how we do mobile banking. They’re the first mobile-only bank to apply for a national bank charter and be approved. Take advantage of the Varo $75 referral bonus!

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


Use Raise to make a second income | Simplifinances

Raise – The best way to get rid of your unwanted gift cards and make 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 shop.

Get started with $5!


Use Lending Club to make a second 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:

  • Lend other people money and get a decent return
  • And act as the bank, which is pretty neat

And if you need a loan you can borrow one. 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. Worth looking into!

Learn more about Lending Club!


Use Digitto make a second income | Simplifinances

Digit – Automatically save 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 a second income | Simplifinances

Achievement – This app 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. Why not get paid to perform healthy activities?

Total earned: $38

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 a second income | Simplifinances

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

When I’m at Costco shopping with my wife, I’ll wander off by myself and complete a job or two. They may ask you to buy items and they’ll 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 a second income | Simplifinances

Mobee – Pays you to complete missions near you. These missions consist of going to local stores and answering questions about the store. Every time you complete a task, you earn points that can be exchanged for gift cards.

Total earned: $28.75

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

EasyShift | Simplifinances

Easy Shift – The Easy Shift App pays you for completing small, simple tasks. It gives you shifts you must complete within a specific time limit. The duties include going to local stores and taking pictures of whatever product requested.

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

Total earned: $21.50

Try out Easy Shift for yourself!

Gigwalk | 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!


Spare5 | Simplifinances

Spare5 – The Spare5 app pays you to complete small and manageable tasks from your smartphone. Use the time waiting in line, riding the train, or waiting for a friend to earn a bit of spare cash.

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

Total earned: $0.68

Sign up for Spare5 today!


Fundrise| 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% annually on their investment.

Become a lazy landlord!


Robinhood | Simplifinances

Robinhood – A free-investing app 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 be addicting! I try not to check it as much as I used to! 

Get started investing with Robinhood and get a free stock!

Vanguard | 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 excellent customer service and low fees.

Jack Bogle, the founder of Vanguard, changed investing for the average investor by creating the index fund. They don’t have the most user-friendly online interface, but it’s ok because you only need to set your money and forget it.

Set up a retirement account.

Stockpile | Simplifinances

Stockpile – Stockpile is an app that offers gift cards which 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 additional side money with this. Another car advertisement company is ReferralCar. They’ll pay you to 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. Ridesharing has been the most popular side hustle over the past few years.

I haven’t driven for Uber and Lyft because the town I’m in is a college town and 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 second 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. 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 reach the bonus 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 vehicle, you can rent it out to other people who need one for a short time. 

It’s estimated the average owner makes an additional $540 a month letting others use their car but it 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 much 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, or posting ads on Craigslist or your neighborhood bulletin. Each of those is good ways to get started, but this is another option for anyone considering a part-time or full-time job pet sitting.

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 who are mostly 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 particular 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 a simple to use program. Business owners have their websites reviewed by you as an end-user. Record what you’re seeing, and they pay you for your time.

Tests 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 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 gig. If you aren’t sure what to sell, spend time browsing the Fiverr catalog to see what’s out there and what 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 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

Suppose I had to start over from scratch and had nothing to my name: no income, no furniture, nothing. The first place I’d look would be Facebook Marketplace. I’d go to the free section and turn around and sell the same item. I’d keep doing this until I’ve made enough money to move on to the next side hustle. 

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 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 customer’s homes. The hours are flexible, and the orders come through Instacart’s shopper app. I 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 groceries delivered to you while you work on another side gig at home. 

Start delivering groceries with Instacart.

Use Shipt to make extra side income | Simplifinances

Shipt – Shipt is a grocery delivery service. Target acquired it in 2017 for $550 Billion. If you’re interested in earning extra money in the sharing economy, Shipt could be an excellent way for you to make good money (about $25 per hour) on your schedule. I also delivered for Shipt a few times.

Start delivery groceries at Target.


Use to make extra side income | Simplifinances – is a one-stop site to find caregiving services for your family and home. You could walk dogs every day, be a housekeeper to tidy up homes once a week or watch kids regularly — 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? It got its start selling books on the internet and has grown a bit since then.

In college, I’d always buy my textbooks used off of Amazon and then turn around and sell them. A few times for a profit. 

Sell your old textbooks.


Use Market Force to make extra side income | Simplifinances

Market Force – Marketforce is a mystery shopping company that most users are satisfied with.

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

The amount varies depending on what you’re doing. In most cases, you’ll visit a place of business and purchase food costing at least a certain amount of money as well as fill out a survey on how clean the restaurant was, how helpful the workers were, etc.

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

I’ve completed a few mystery shops 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 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 an excellent 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.

A few 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 six months and then decided to create her online store with Shopify. So 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 online store. They do this so entrepreneurs can focus on 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 hard to get your business 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 didn’t sound easy. What did a loan signing agent even do? Before we moved to Texas, I wanted to find a new viable side hustle. I never spend money on courses, but this one felt like 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 a fantastic side gig! 

I’m 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 filling out and signing their documents for loan officers. I then sign and notarize. The course is called the “Loan Signing System” by Mark Wills. Mark is an excellent teacher, and my upfront cost was $350, which I made back in the first month. 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 get paid for your work and reassures clients 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 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 their taxes prepared. There are 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, but I could see myself offering this as a service. 

Become certified by the IRS.


My favorite activity to do is find used old furniture for free and turn around and flip it. There aren’t many places where you can find a free product and turn around and sell it for a significant profit! 

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 an extra side income.

I did this during my senior year of high school, and it was great because it was on Saturdays and at night on weekdays. I did this for 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 therapeutic.

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

This website is my favorite place to find wood projects.


Car detailing was my number one side hustle for years. I started detailing cars in high school while working at a car wash. I started my auto detailing business in 2014, which I ran for four years, all through college. It provided a high second income and the ability to set my schedule and rates.

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


Make Money Online | Simplifinances


Bluehost | Simplifinances

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

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

Start a blog with Bluehost.


Anchor side income ideas | Simplifinances

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

Start a podcast with Anchor.


Use YouTube to make extra side income | Simplifinances

Youtube – Your topic area can be anything. From pranksters filming their antics to chemistry professors sharing their how-to videos, anyone can make a side income job 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’re always looking for writers! If you aren’t quite ready to launch your blog yet, this might be an excellent option to see if writing is for you.

I started freelancing a few years ago, and it can be a great side income source, and the flexibility to work from wherever makes it all worth it. 


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

Every business nowadays needs social media manager. 


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 bring in $1,000 or more of side income per month with 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 a novel! 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 upfront work, but once it’s written you can say you’ve written a book and after that, it’s passive side income.


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


Depending on where you live, there can be a pretty strong demand for this type of service. If you don’t mind getting your hands dirty, this is a great idea!


It’s not glamorous work, but pretty much all brick and mortar businesses need it. Why couldn’t you do it?


Every business needs a website, and many are willing to pay a pretty penny to get it done right. I’ve designed multiple websites. I’m in no way an expert, but you could make a high side income specializing in website design. 


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

Who doesn’t want to be fitter and healthier? Becoming a personal trainer might bring in a high 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’s about connecting and building relationships with people. But for me, it lends credibility and shows people I’ve taken my profession seriously. 

Read: The Difference Between a Financial Coach and Financial Planner

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 side income if 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. From providing you a side income tracker to monitoring your earnings, ensuring you have the benefits you need while you work.

Look for more side income streams.


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 ladder.


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


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


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

Many of these ideas are short term, while others could turn in to full-time jobs that require a 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 skills and adding value, you’re not going to struggle.

We all go through different phases of life, and at times, you need to make quick money.

I hope you’ve received value from this post on how to increase your side income streams!

The ultimate guide to making side income | Simplifinances

Which one will you get started with? 

Achievement App: Get Paid for Healthy Activity

Achievement App: Get Paid for Healthy Activity

Most people don’t spend enough time on their health. The idea of living a healthy life is a simple concept, but eating healthy and exercising is hard.

You may set out to improve your health only to find yourself unmotivated once again.

What if there was an app to give you a little bit of motivation? Not only to be healthy but to also get paid for it?

Sign me up!

What is the Achievement App?

I’ve been a long time user of the Achievement app since 2016. Every few months, I transfer $10 to my PayPal account for having the app downloaded and tracking my steps.

The Achievement App | Simplifinances

The Achievement app rewards you for healthy activities like steps, tracking your health, and completing health related surveys. It has over 15,000 reviews on the app store and over 3 million members getting paid for health actions.

Here’s what they have to say on their website:

Backed by some of the top investors in Silicon Valley and driven by a social mission to help drive scientific research forward and make America healthier, we literally pay you cash (via direct deposit or PayPal) to do healthy things like walking, eating well, and even sleeping! We also provide any consumer with the opportunity to contribute to cutting edge health research.

And here’s what one user had to say:

“My sister told me about it, and it seemed too good to be true at first. But when she said that she had already received $20, I signed up. It was so easy and a monetary motivation really encouraged me to get up and get moving.”- Estella

Why Should You Sign Up?

Here are 5 reasons you should sign up for the Achievement App today:

Get Paid for Healthy Actions | The Achievement App | Simplifinances
  1. Get paid for healthy actions. I already mentioned this, and it should be the primary reason you sign up. Getting rewarded for making healthy decisions makes sense.
  2. Connect other apps like Twitter and MyFitnessPal to earn more points. When you connect 1 of over 20 apps, you’ll earn points faster.
  3. Redeem your points for cash or give to your favorite charities. You can receive cash, or if you want to make a more significant impact on the world, you can donate your points to a charity. Making healthy choices to help charities sounds like the right thing to do.
  4. It’s one of the top health apps in the app store. Everyone’s doing it, and if you’re not using the app, you’re missing out.
  5. Participate in research. You also have the opportunity to contribute to health research. I answer quick surveys about the coronavirus all the time. I also completed an in-depth study of my allergies and earned $50.

How to Sign Up

To sign up, click this link which will take you to the app store to create an account. Signing up is easy.

They will ask you for basic information to get started like your height, weight, phone number, email, birthday, and address. I believe you don’t have to give all of your information if you don’t feel comfortable doing so.

Once you’ve downloaded the app, you’ve created an account and connected it to Apple Health or Fitbit, the only thing you have to do is leave it on your phone running in the background.

Depending on how many steps per day you take, the faster you’ll be able to cash out. Literally that’s all there is to it.

Sign up for the Achievement App | Simplifinances


I want to help you earn extra income in as many ways as possible. Signing up for the Achievement app is a straightforward life hack that can help you get ahead. Getting paid to make healthy choices makes sense, so why wouldn’t you sign up?

Related: The Ultimate Guide to Making Side Income

Click here to get started with your health journey and get paid.

The Achievement App: Get Paid for Healthy Activity | Simplifinances
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

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, 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

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.

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