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27 Best Apps to Make Money in 2021

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apps to make money

Need some extra money? Have a smartphone? Now, you can use your smartphone to make money on the go! In this article, we’ll cover the best apps to make money that add some extra green to your wallet. We’re attached to our mobile devices. According to a recent study, the average person spends nearly 5 hours a day on their phone. 

Did you know that that phone that you use every day can actually put some cash in your pockets? Life happens. Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want. You don’t want to take a payroll advance or fall behind on bills and are wondering how to make money today. Sure, another few dollars earned today wouldn’t hurt.

We’ve all been there, but what do you usually do when that happens? Most people search google for something like, “how to make money right now?” Look no further; this is an exhaustive list of things that anyone can do, today, in order to make money with apps that really pay. If you’re in serious debt, then this list might not be best suited for you – but in case you need to make money fast in one day, it’s possible if you’re ambitious.

Best Apps to Make Money in 2021

This list of best apps to make money is broken down into the following categories:

  1. Money Making Survey Apps
  2. Cash Back and Receipt Scanning Apps
  3. Apps That Pay You for Simple Tasks
  4. Best Apps for Selling Stuff

I reviewed dozens of apps that claim to get you money, but only listed the legitimate money-making apps.

Let’s get started.

Need Money Now?

If you actually need money right now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go.

You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $100 and $15,000 as soon as tomorrow.

Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

If you wanted to earn extra money then you can use the massive list below:

Money Making Survey Apps

These apps let you take surveys on your mobile device and earn money real:

Swagbucks – $10 Bonus

Swagbucks is another great app to make some extra money in your free time. As a new member, you can earn up to $35 per survey. They are known for giving out fun, top-paying surveys. And you can also get paid to play games and watch TV. It’s similar to Survey Junkie, but there are also a few other ways you can earn money as a member (including a $10 bonus just for signing up).

Other ways you can make money with Swagbucks outside of surveys:

Swagbucks is conveniently offering a $10 bonus just for signing up through this link, so act fast.

MyPoints – $10 Bonus

Have you heard of MyPoints? It’s a cash back app that pays you to shop online. I love it because it lets you earn cash for the shopping you would do anyway.

Join millions of MyPoints Members who have been awarded over $236 Million in gift cards and PayPal cash. Plus, you can earn in a variety of ways like up to 500 points per day watching fun videos and earn up to 300 points per completed survey.

MyPoints’ low $10 cash-out is just one task away. When you spend just $20 through the MyPoints site in the first 30 days, you’ll get a $10 bonus, which allows you to cash out instantly!

InboxDollars – $5 Bonus

The next thing you can do is sign up for InboxDollars which pays you, in cash, to watch fun videos & take surveys and they’ll also give you a $5 free bonus just to give it a try. 

By spending just 5-10 minutes per day on this (either on your lunch break or during TV commercial breaks) you can earn and save an extra $50/month.

More people should be using this app that pays real money.

Survey Junkie – $1.25 Bonus

Taking online surveys to make extra money is a no-brainer. You definitely won’t get rich with surveys alone, but you won’t waste much time, and you can make some money the easy way. Here is my favorite (and highest paying) survey site:

Survey Junkie is a free survey app for your phone that pays you to take online surveys, participate in focus groups, and try new products. And, I really mean free all around – free to join and they don’t charge anything to be a member (they will actually pay you in cash via PayPal).

Survey Junkie pays between up to $50 per survey, and many of them take less than 5 minutes to complete. It is one of the highest paying survey sites that actually works. You can get a free registration bonus for free when you join through this link.

Branded Surveys – $1.00 Bonus

Branded Surveys asks for information about you so that they can match you with fitting surveys. At up to $50 a pop for some surveys, and a free $2 just for signing up, it pays to check in daily to see which ones are available to you.

Cashouts are through PayPal. What do I like about this money making app? You’ll get money just for signing up and they pay you straight cash. You don’t have to convert your points into cash, you can see your earnings on the dashboard.

Cash Back and Receipt Scanning Apps

Sign up for these cash back apps and get amazing offers and free coupons from top brands and grocery stores:

Rakuten – $25 Bonus

You’d be silly not to get cash back for items you would have bought anyway. You can do this by shopping online with Rakuten.

Rakuten is my favorite way to make money when I shop online and right now they are offering a $25 sign up bonus through this link.

Every time I shop online, I start at Rakuten and then I get cash back deposited into my PayPal account. Hello, free money — join now for free here.

Ibotta – $20 Bonus

The app you should know about is Ibotta. This money-making app is available for iOS or Android phones and helps you make money off your grocery receipts.

Earn real cash back shopping online & in-store with Ibotta. The average Ibotta user earns $150 a year on groceries, online purchases, delivery, and more. Register for the free Ibotta browser extension and app today to start saving. Sign up and upload your first receipt to get a $20 welcome bonus.

Dosh – $1 Bonus

Looking for easy to use money making app to claim $1 now? Dosh is the free money-making app that finds you money for shopping, dining out, and booking hotels and travel activities with more than 100,000 merchants and brands nationwide.

This company not only allows you to get cash back on everyday purchases, but no receipt scanning required. Simply download the app or find them in your favorite ways to pay, like Venmo or Jelli. It’s awesome. You can get your $1 bonus after linking your first credit or debit card to the app.

Drop – $1 Bonus

Drop offers next-level rewards — shop at the brands you love, and automatically get rewarded. This cash back app tracks your purchases when you link up your credit card and debit cards to the free app. 

Then, it automatically adds Drop points to your account when you spend at certain merchants you’ve picked from their list. It’s simple. When you reach a certain threshold, you can redeem Drop points for gift cards to popular retailers, like Amazon, Dunkin Donuts, Whole Foods, JC Penney, and many more. Drop also helps you by giving you a 1,000 points ($1.00) for signing up.

Shopkick 

Shopkick lets you earn points for shopping, period. You can get points for just walking in the door of some stores (including Walmart, Target, TJMaxx and more), for completing various offers or buying popular products.

Earn rewards and get free gift cards for the shopping you already do. Get exclusive deals and discounts as you collect points by walking into stores, scanning items or receipts: you don’t even need to buy anything to earn your kicks! With Shopkick, you can treat yourself and indulge guilt-free as you shop.

Trim

The free bot, Trim, lets you save money with automation and within a few days, I saved an extra $103.53. Simply link you financial accounts and this money making app will go to work. It can find ways to lower you our bills and cancel subscriptions. You will be surprised to see how much your utility bills can be lowered. 

It also analyzes spending habits, and much much more. Trim packs a big punch and you can try it out with a 14-day free trial if you are ready to save.

Paribus

Sign up for Paribus and find out if stores owe you a refund – effortlessly. It’s easy to use, sign up (or log in) with the email you use for online shopping receipts. Paribus will scan your inbox for receipts from stores they monitor.

You don’t even have to know about the price drop in order to get your refund. It’s 100% free and will save you a lot of money. I pocketed around $50 in the first few weeks of signing up. Remember, it’s 100% free.

Fetch Rewards – $3 Bonus

Fetch Rewards works directly with hundreds of beloved brands to bring you an entirely new way to go beyond just getting rewards. With Fetch, you feel truly rewarded. Join the Fetch Rewards revolution today.

Visit the app store to get the free app and it will give you free money just for signing up. This is a great way to make money, the easy way, and can add up to a large wad of cash with time. Scan your first receipt in order to earn your $3 bonus then you can cash out for a Visa gift card or Amazon gift card.

Passive Income Money Making Apps

These apps can help you earn passive income. Imagine making $60 fast overnight without doing a thing — you get the idea. These apps can help:

Acorns – $10 Bonus

In under 5 minutes, get investment accounts for you and your family, plus retirement, checking, ways to earn more money, and grow your knowledge. Just $1, $3, or $5 a month. From acorns, mighty oaks do grow.

Once you connect the app to a debit or credit card, it rounds up your purchases to the nearest dollar and funnels your digital change into an investment account. Sign up to try it risk-free with a $10 sign up bonus.

Nielsen – $50 per Year

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make money too.  I downloaded this app and make around $50-100 passively… it’s a legit money making app. You don’t really have to do anything other than initially registering your computer or phone.

This company will pay you $50 a year to keep their app on your favorite internet browsing device and they also give away $10,000 each month. So you can possibly make more than $100. Sign up through here for a registration bonus.

eToro

eToro is one of the few fully regulated crypto service providers, trusted by millions of users worldwide. Buy bitcoin, ethereum, XRP, and other top cryptocurrencies without deposit fees. Seamlessly deposit and withdraw to and from your bank account.

Open your account today and enjoy zero commission as you trade the world’s most popular digital currencies. Unlike other apps, eToro allows you to easily create a diversified crypto portfolio with no hidden costs.

Here’s how it works:

1) Click here to create an account, you just need to connect your bank account.

2) First deposit ($50 minimum deposit in the US and $200 minimum deposit in the UK)

2) Watch your crypto investment grow — some analyst say Bitcoin will hit $100k by 2021

etoro
With eToro’s revolutionary CopyTrader technology, anyone can start trading crypto by copying other traders automatically.

M1 Finance

It’s been said that the average millionaire has seven streams of income. Dividend stocks are usually always in the mix. Dividend stocks are similar to regular shares of stock, but they pay you a small portion of the companies earnings monthly or quarterly. So it’s wise to build a portfolio or dividend paying stocks!

If you want to get hip to dividend investing, check out M1 Finance. What I like about M1 Finance is that they make it really easy to invest in stocks, while still having plenty of features as you get more comfortable with investing. Plus it offers so many other features.

M1 is the future of finance in a sleek, modern app. Rated #1 for sophisticated investors by Investopedia, users can enjoy: free investing, high yield checking, low rate borrowing, automation, and optimization.

Money Making Apps That Pay You for Simple Tasks

These are some of my favorite side hustles that help you earn money for doing simple tasks. If you are able to download an app and put in the work, you’ll make some extra money.

DoorDash

DoorDash, a food-delivery service, is looking for people who want to start delivering food to earn extra money and work on their own schedule. You choose the hours you work and get paid cash per order (once you have access to fast pay). Rates will vary by location.

You can earn $475 easily in a week by becoming a DoorDash Dasher.

Once you sign up to become a dasher, DoorDash will reach out about an orientation. Complete the orientation, and you’re on your way towards getting paid for every completed delivery plus 100% of tips received.

This is such an easy way to make money by delivering on your free time while making extra cash and funding your personal goals. If you want to try them out as a customer get started with a DoorDash promo code.

To qualify, you must:

  • You must be 18 years or older.
  • Have access to a car or bicycle.
  • Own an iPhone or Android smartphone.
  • Driver’s license with at least two years of driving experience.
  • Valid insurance — name on policy.

Lyft

If you’re free nights and weekends, you can make money driving your fellow citizens around. You can make money by becoming a Lyft driver if you have a car, it’s a perfect way to make a good amount of extra money whenever it’s convenient for you.

A lot of people do this full time, so you can imagine that’s it definitely possible to do this on the side and make 200 dollars every few days and be able to save it. Oh and Lyft pays it’s drivers more than Uber does. And right now, they’ve got a promotion going on where any new driver will instantly get a $1000 bonus after completing their 125th ride.

Instacart

Instacart delivers groceries from local stores in two hours from stores like Whole Foods Market, Target, Costco and Petco. Why should you care? Because this is a lucrative opportunity for you to make extra cash fast.

If you wanted to become an Instacart personal grocery shopper, you’ll earn an average of $15 per hour.

Here’s how it works:

Sign up as a personal grocery shopper and start to receive grocery orders through an app on your smartphone and then shop and deliver groceries to the customer’s door.

  • Start earning quickly, and get paid weekly
  • Select hours based on your schedule
  • Shop and deliver the customer’s order
  • Get to know the city by delivering to new and familiar areas

Click here if you are interested in learning more.

HealthyWage

HealthyWage offers people the opportunity to earn cash for losing weight. Earn cash for losing weight? Sounds too good to be true, but you read it right. The company was founded in 2009, and its HQ is in New York, and part of their mission is to provide ways to have a measurable impact on the growing obesity epidemic in the US.

They do this by legitimately offering cash prizes to make weight loss and fitness more fun and effective. Since HealthyWage was founded they have been featured in literally hundreds of newspapers, magazines, TV shows, blogs, and website.

One of my readers made their own bet and learned that they could make up to $656.13 for only losing 15 pounds! That’s about $35 a pound, and about a cent per calorie cut.

best money making apps
HealthyWage pays you to lose weight, HealthyWage proof of payment!

How can you make money with it? You essentially bet on yourself and how much weight you can lose. Since they are promoting ways to be healthy, your winnings depend on how much weight you lose and how much you bet. It’s a great way to make money and be healthy at the same time.

Start your HealthyWager today and get paid to lose weight.

Uber Eats

If you’re free nights and weekends, you can earn extra money delivering food for fellow citizens around your city. It’s easy to delivery food with Uber Eats – if you have a car, it’s a perfect way to make a good amount of extra cash whenever it’s convenient for you.

A lot of people do this full time, so you can imagine that’s it definitely possible to do this on the side and make extra money by delivering food with Uber, and be on your own schedule.

Deliver for a few hours in the mornings, every night, or just on weekends—it’s up to you. You are your own boss and you can choose when and how much you work.

Postmates

It pretty easy to become a delivery driver for Postmates. It’s free to sign up and fast to get started. There are no fees or time commitments, so you take home 100% of what you earn every time you complete a delivery.

As a driver, you’ll get paid to deliver things like take out, groceries and even alcohol.

postmates make money
Download the app and come online whenever you want to make money.

Here’s how to get started:

✔️ Create your account  Enter your name, email, phone number and provide a profile photo and proof of identity.

✔️ Receive welcome kit – Once Postmates verifies you are who you say you are, they will send you a delivery welcome bag in the mail.

✔️ Download the app, go online – Open up the app and start accepting delivery offers and get paid whenever it’s convenient for you!

Many reviews online state that you can make up to $25 per hour. You can also see how much you earned after each delivery and exactly how your earnings were calculated. Get free weekly deposits or cash out instantly anytime you want. If you’re interested, you can learn more here.

VIPKiD

Still wondering, how to make extra money? Well, have you considered teaching English online (pick your own hours too)? All that is required is that you are fluent in English, have a bachelor’s degree, and have some tutoring experience. This a great way to earn money from home and already 30,000+ use VIPKID to teach English from home.

You’ll make $12-$22 an hour, and Forbes ranked this company #1 on it’s 2017 “Top 100 Places Work From Home Companies” Since this is a legitimate way to make extra money, the application process pretty detailed. With an opportunity to make $650 a month, just from one hour out of your day, may be worth looking it. You can learn more about teaching English online on VIPKID’s website.

Best Money Making Apps for Selling Stuff

These apps can help you make money for selling stuff:

Airbnb

There is a company out there called Airbnb that can net you over $1,500+ a month just by listing your spare room just a few nights out of the month. Are you interested in seeing what your income potential could be by listing a spare room on Airbnb?

It’s easy to use…

  1. Sign up for Airbnb (you just need to give them a name and email address).
  2. List your spare space in under 5 minutes.
  3. You can get paid when somebody books your spare room and you can charge whatever you want when you join through this link.

Remember, it is a free room booking app for your phone. I really mean free all around – free to join and they don’t charge any fees for you to list your spare room. See how much people are making from listings in your area, then make your own!

Getaround

Do you have a car? You can earn $10,000 this year with this one side hustle: Turn your car into a second paycheck with no driving necessary. Start making passive income with Getaround and you’re paid monthly.

Earn $10,000 per year actively sharing your parked car. To share your car on Getaround, your car must:

  • Be model year 2010 or newer.
  • Have less than 125,000 miles.
  • Seat no more than 8 passengers, and be a private passenger vehicle with at least 4 wheels.

Turo

Another well-known company, Turo, which has signed up nearly 5 million users to its website, according to Bloomberg, lets you rent out your car as well.

It’s also really simple to do (and free). Listing your car is quick and easy and takes less than 10 minutes to set up. According to a recent Turo review, somebody listed their car for 5 days every month and made $3,496 in a year. 

Sounds pretty good to me. Oh, and they also protect your car against physical damage, so you’re fully covered. You can sign up here and start making money with your car.

There Will Always Be Money Making Apps that Pay You

It’s true, there are legit apps out there that pay you real money. When you officially make that leap into adulthood, it comes with a long list of responsibilities — financial ones included like paying debt or investing. That’s life, and we all learn to cope and keep moving forward. But every so often, there’s a small hiccup and — be it emotional, physical or otherwise — we run into a wall.

Expenses like car repairs force you to spend rent or utility money. You know you’re going to be short, so you’re pulling crazy overtime to make up the difference. Or, maybe you have to give up some recreational activities to make way for more responsible ones. These things happen, and when they do, it’s nice to have a little cash handy to lighten the stress load.

You could always pawn some of your stuff, true, but no one likes doing that. You could also ask your family for money, but that’s no good, either. And taking out an advance wage or salary loan is an even worse strategy. Why not try out one of these money-making apps instead?

That’s right: There are legitimate money-making apps that can net you some extra funds for whatever, whenever you want and we went through them all in this mega list.

Should I Pay Off Debt or Invest?

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pay off debt or invest

When you find yourself in the trap of debt, it can be tricky to figure out where to go next. Paying that money back is one thing, but how do you make sure it doesn’t happen again? And furthermore, how do you make sure you’ve got the money to spend on everyday necessities while you’re unburdening yourself from debt?

Some people opt to invest their money in the stock market as opposed to paying off debt immediately, and we’ll go over some of the reasons why that’s both a good and bad idea right here. Don’t make a decision until you read our list of pros and cons for each option!

The Pros of Paying Off Debt

The most obvious advantage of paying off your debt immediately is pretty self-explanatory: no debt means, well, no debt! Unshackling yourself from the money you owe doesn’t just mean you have the cash to pay for everyday expenses and luxuries, it also takes a gigantic psychological weight off your shoulders that no one can put a price on. Resolving your debt quickly and efficiently frees you in both body and mind.

The spending and repayment plan that you use to repay your loans and credit is also something that you can control directly, which is an important element of anyone’s financial life. You won’t always have a direct opportunity to affect your financial future, and when that opportunity arises you should definitely jump on it. If you have the option to pay off debt quickly, the smart money (literally) is almost always on doing so.

The Cons of Paying Off Debt

Where you may find yourself at a disadvantage with this strategy is in the general unpleasantness of having to pay off your debts. While being in control of your finances does give you a certain boost from the autonomy of it all, it doesn’t make it any less aggravating to have to cut down on things like foods you enjoy or streaming apps that help you unwind after a long day at work.

Paying off the money you owe in the present can also be a distraction from concentrating on what you can make of that money in the future. If you’re always worried about just keeping your head above water, it makes it that much more difficult to spot the shoreline. Pressing debts should obviously be paid off as quickly as possible, but having to deprive yourself over the long term can cause a weariness that financial freedom doesn’t always solve.

dispute credit report

The Pros of Investing

If your debts aren’t critical or on the verge of becoming so, it might be a good idea to hold off on paying creditors right away and put some of that money into reinvestments or low-cost index funds.

There are a couple of reasons why you may wish to go this route. Firstly, investments are a fantastic thing to have on your side if you run into trouble with your career or other emergencies pop up. If you’re working with the proper experts, invested money can be a great thing to fall back on if the unexpected should occur.

Chairman and CEO of Berkshire Hathaway Warren Buffett agrees.

“Consistently buy an S&P 500 low-cost index fund,”

the legendary investor tells CNBC.

“I think it’s the thing that makes the most sense practically all of the time.”

But investments aren’t just for keeping you level: they’re also crucial for building your wealth over time. After all, we’re pretty sure that your dreams don’t start and end with simply staying where you are in life hassle-free. And even if you have little money to your name you can still get started with investing with micro-investing apps like Acorns and Stash (join with Sash promo code to get a bonus for joining).

Putting your money directly into your future can create an even greater sense of financial stability than being rid of debts in the present moment. When you have the pleasure of looking forward to more money, it can even motivate you to pay off the debts you have now as a win-win!

The Cons of Investing

Investing your money for the future has the obvious drawback of meaning that you’re still stuck with your debt in the present. The human mind is wired to solve immediate problems as opposed to thinking long term, so it can feel kind of silly to be putting away your cash in stocks if the IRS is already at your door with their palms open. Paradoxically, sometimes having faith in your future can create greater anxiety for you in the present.

There’s also the undeniable fact that reinvesting your money in things like real estate, and even in certain kinds of safer seeming bank accounts, can be a risk if you’re not sure what you’re doing. If you aren’t accustomed to the world of finances, you can put yourself in greater debt and make your present situation much worse if you reinvest improperly. Playing the financial odds is something that sometimes takes out even the experts, so it definitely isn’t something you should go into half-cocked.

Which Option is Right for Me?

There is a myriad of factors that go into deciding whether you should choose to pay off your debts immediately or invest your money for a long term nest egg. Ultimately, the two deciding considerations should be how much money you’re making and what kinds of debts you owe.

For example, if your debts are at the point where you’re at risk of having your car, home, or other objects repossessed, this is an obvious indication that you should forego reinvestment for the time being and take care of your loans immediately. The sooner you start living below your means and making the most out of every cent, the sooner you can get back to your life’s real priorities. If, on the other hand, you’re in something like the early stages of a credit card loan, it might not be a bad idea to take some of the money you’ve reserved for that and put it in an account or stock that will grow your wealth over time. Obviously, you shouldn’t wait for that debt to balloon to an intimidating degree before you start paying it back, but putting some money into your future so you can pay off other loans that might come down the line is a good idea too.

Of course, this option presumes you have a steady source of income from which you can pull money to resolve that debt later. If you’re unemployed or living paycheck to paycheck, debt can be a far more punishing experience than it is for those who are better off. Resolving the debt spiral as quickly as possible should be your top concern if this is your situation. On the other hand, if your career allows you to live comfortably and you have a certain level of disposable income, taking some money out of your debt fund or day to day expenses in order to make a financial cushion for yourself might be the way to go.

The Bottom Line: Ultimately, only you can decide for yourself if you should pay back your debts immediately or if you should take that money and reinvest it into something else. The prudent option is most likely to pay off your debts as fast as you can, but if you have a little bit of flexibility and are willing to take on a small amount of risk, a reinvestment could be just what the banker ordered. Whatever you decide to do, make sure that it provides for you and your loved ones, and that it won’t put you further in debt than you already are.

Your Ultimate LendJet Review for 2021

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lendjet reviews

If self-sufficiency was a choice, there is no doubt each one of us would go for it. However, it is not, and every once in awhile, we tend to find ourselves in money fixes we never thought we would. For instance, medical emergencies, late rent, unforeseen expenses, debt consolidation, and a long string of other money-emergency situations that can quickly drive us crazy.

In such scenarios, some people are often lucky as they can get friends and family to help out. However, most of us are left stranded with no option but to look for personal loans.  The good news is that with platforms like LendJet, now these emergency loans are an inch closer whenever the need arises.

LendJet at a glance

  • You get get a personal loan from $1,000 to $10,000
  • Generally, you do not need to have excellent or good credit to qualify for a personal loan
  • Estimated APR is 6.95-35.99%
  • It’s a trustworthy way to get funding
  • You can simply complete the online request form and get an answer instantly
  • Get started at LendJet

Compare with other lenders

How does LendJet compare to other personal loan companies like Prosper or White Rock Loans? Let’s see.

LENDERRATES (APR)LOAN AMOUNTVISIT
sofi personal loan5.99% – 18.82%$5,000 to $100,000GET MY RATE
credible personal loans5.95% – 35.99%$1,000 to $100,000GET MY RATE
lendingtree personal loan99.00% – 199.00%$500 to $4,000GET MY RATE
upstart personal loans8.13% – 35.99%$1,000 to $50,000GET MY RATE
upgrade personal loans7.99% – 35.97%$1,000 to $35,000GET MY RATE

» MORE: Compare online loans and pre-qualify

Full LendJet review

What is LendJet? LendJet is a personal loan platform where borrowers with all types of credit history can secure emergency loans of up to $10,000. However, even though it’s a personal loan program, it’s vital to note there is a significant difference between LendJet and other applications.

 Why? Well, LendJet is neither a bank, nor a lender. It is simply a platform where borrowers of all credit histories are connected to a bunch of lenders who offer fast cash solutions. Even though the platform is relatively new, it’s already taking over the scene due to factors such as quick approval rates as well as the easy loan application. Hence LendJet can be referred to as a lenders marketplace. 

How does LendJet work?

The loan application process on LendJet is pretty straightforward and takes only four steps. To apply, visit the site, fill in your personal information, indicating details such as your employment status, your income, the purpose of your loan as well as the amount of cash that you need.

The application is pretty simple, but it tells lenders all they need to know about you before they cash you out. Depending on this information, LendJet then connects you to a long string of Lenders who match your criteria. If the terms are appealing, all you need to do is accept the loan, and LendJet will ask you how you want to receive the money. The best bit about this platform is that it has a fast-approval rate, and depending on the amount you’ve borrowed, you can get it as soon as the next business day. What’s more, is that you can qualify for a loan even with poor credit.

The loan repayment terms often vary from one lender to another. However, in general, LendJet usually offers monthly or bi-monthly repayment options. As for the repayment period, it may be as short as 12 months or as long as 60 months. This again depends on the specific requirements of your lender. 

Is LendJet legitimate?

Wondering about the legitimacy of LendJet? Then you should not as the platform is 100% legit for several reasons. First, the platform is free! Unlike most lending platforms that require you to pay a certain amount of money upfront for you to unlock access to the loans, LendJet doesn’t charge you a dime. However, note, the lender you work with might have fees as part of their repayment terms. That should not worry you because even in regular money-lending situations, you pay such fees.

Also,  even though the loan application process is easy, it’s not as dramatically easy as with most other platforms. You must first fill in your information so borrowers can get all the necessary history on you, to keep the process safe and legal.

Also, since cybercriminals are increasingly targeting personal and financial information, LendJet not only complies with the industry data protection standards but also goes the extra mile to safeguard the safety of your data by using 256-bit SSL encryption. The only party with access to your sensitive information is the lender you choose.

So the short answer to whether LendJet is legit is YES.

Does LendJet check your credit?

Although you can qualify even when you have filed for bankruptcy, LendJet does not perform a credit inquiry. It is simply a lenders market, and all it does is connect you to lenders who’ll help you out. That said, some lenders will often review your credit history before cashing you out, but not all of them. Therefore, LendJet does not check your credit score, but the lender might.

What are other LendJet reviews saying?

So far, most of the LendJet reviews have one thing in common; they are all positive and reflect our review as well. Previous borrowers have left testimonials saying how the platform has helped them in the past with situations such as education funds, business loans, and debt consolidation.

A majority of them are impressed by the fact that the repayment period can be as long as 60 months, hence gives them the flexibility to pay at their own pace. 93% of those who’ve used the platform reported that they would gladly use it again if need be. Other factors that LendJet users are happy about include the top-notch customer service and the smooth sailing loan application process.

Pros

  • Unsecured personal loans do not require any guarantee
  • Increase your credit score
  • Get the money you need quickly
  • Good credit can give you a lower interest rate
  • Most are fixed-rate loans, which makes budgeting easier

Cons

  • Approved borrowers with subprime credit could receive higher interest rates

Apply on LendJet

Whether you like it or not, financial problems are inevitable. So it’s normal to need financial help every once in a while. LendJet looks to be your go-to solution when any unforeseen problem arises.

GET STARTED WITH LENDJET

15 Places in the US Giving Out Free Land in 2021

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free land

Since the implementation of the Homestead Act in 1862, the US has been providing land for construction of homes and operation of farms to homesteaders.

Though the act is no longer operational to get free government land for homesteading in 2020, many rural regions and counties in the US are offering free land to improve economic activity and business sentiment. 

This means that anyone has the chance to obtain land in various states with some conditions.

According to an article in the Washington Post, entry-level housing (which entails the homes millennials can most afford) has been particularly scarce. The D.C. region has less than a 90-day supply of condos costing between $400,000 and $600,000. In the Dallas area, barely a one-month supply of those homes are for sale.

So finding ways to get creative and researching how to get free land is a great way to find affordable housing.

Here are 15 places in the US giving out free land in 2021:

How to Get Free Land in the US

These states offer free land in the US and you can really get free land through homesteading.

1. Marquette, Kansas

To get a free home, you require to start the building process in 120 days of allocation of land and at least 1000 sq. ft. should be completed in 12 months to meet the design standards of residences. This offer has proved successful in increasing the small-town population and still has a lot of interest today.

Not only does it boast of a small-town community, countryside pleasures and it is not too far from a big city. So, if you’re ready to build your house from the ground, Marquette is a great option.

2. Marne, Iowa

On the back of their plummeting population, Marne is providing free land to get more residents in the South-western region of Iowa. Within 45 minutes to an hour from Omaha and Des Moines, this small town has huge potential for those looking for free land. 

And there must be something about this little town that attracts a lot of attention with lines ringing off the hook when free lots were announced. This is a great sign for anyone looking to relocate as a new community is forming in Marne and it shows that area is in high demand.

3. New Richland, Minnesota

Around 86X133 foot residential lot is allocated for free land, which should be built within a year once the land is deeded to you. With a population of 1200, it is much bigger than the two towns already mentioned, this may be a better choice if you do not like small-town limitations.

Although New Richland prides itself on its warm community, the activities it holds for residents and nearly 100 small businesses in town. Of course, it is different from city living but it feels as though you will not be missing out on much with this well-rounded and bright town.

4. Beatrice, Nebraska

Beatrice has its own Free land act called the Homestead Act, 2010. Here, you can obtain free land and build your house on real property after following certain specific conditions: obtain a building permit, build within 1 year and live in the house for at least 3 years. The act was resurrected to boost their population but had little interest, to begin with.

The town sits along the Big Blue River and boasts of acres of farmland. A much bigger population of 12,000 could be more appealing and the surroundings attract a lot of attention so be quick before all the lots are gone! 

5. Flagler, Colorado

This city in Colorado has allocated around 480 free acreage lots for business and commercial purposes. The free land program comprises of allocation of land provision based on the number of jobs the commercial entity it will create for the population of around 650 people.

The land is not limited or set out as the town intends to allocate the land depending on the type of business and the number of jobs it will provide for its community. It may be small but there is a lot of variety in the businesses already there and with a rail line and airport not far south, it holds a lot of opportunity for a commercial building.

6. La Villa, Texas

The city of La Villa is providing free land of 91 plots for the development of a residential property.  The free land program was started in the early 2000s but was stopped due to poor infrastructure. Now with huge reservations over 4 years, the city is ready to welcome some new, friendly faces.

 Despite the land being free, you will have to pay respective property taxes for the land. A 5-year lease is associated with the land wherein if you plan to sell the land within the lease period, you will pay the local government a certain amount. However, a town of 1200 people that states it is a ”Small City with a Big Heart”, it could definitely be worth the risk.

7. Plainville, Kansas

In order to grow its community of around 2000, Plainville is offering free land of around 155 foot (wide) x 93 foot (deep) lots. There are certain rules pertaining to the local council which needs to be approved during the application process and a returnable $500 deposit. With these lots, you have 18 months to build once attained, so a little less time pressure.

The town itself has a population of 2000 and is not far from the beautiful Webster Reservoir and State park and its original name ‘Paradise Flats’ lends to the attraction of the land. 

8. Agate, Colorado

The city is providing free lots of its 60-acre land for those who are willing to grow farms and livestock. Despite the land being free, a share of crops or earnings thereof needs to be donated to the Meadowlark Cooperative and you have to pay for the construction cost of the home. 

Agate could be the farming haven you are looking for and grabbing free land here could be a great investment with median housing costs at $395,900.  Being an hour away from Denver provides the small-town peace and quiet with easy access to city necessities.

9. Lincoln, Kansas

The city has a free home site program providing free land within city premises near their Baseball Park, golf course, and major shopping centres. This town has invested a lot into this subdivision and into the growth of their town so being part of this growing town offer opportunity and fun.

10. Muskegon, Michigan

This big city provides free industrial and commercial park property for businesses in the Michigan Renaissance Zones. The area provides facilities like lower rates of electricity and water, tax benefits, among others.

Muskegon is a great community, full of fun and activities and it would be a joy to join this vibrant city. However, it seems the Local Economic Developers need you to fit their requirements and create jobs for their town.

11. Buffalo, New York

The city provides an Urban Homestead Program, wherein the land is offered at a meager rate of USD 1. The program provides options of land and built homes but the requirements to obtain this is a long list. Although, if you do meet all of these requirements, then Buffalo is a hot destination for homesteading.

Buffalo is not a small town but a thriving city and using the Urban Homestead Program to increase the population and renovate the deteriorating, vacant properties. On a developing waterfront and only 20 miles from Niagara falls, Buffalo could be the destination for you.

12. Osborne, Kansas

In Osbourne, you can get free land for both commercial and residential use by depositing $500 which is returned post completion of construction. You must begin the construction process in 12 months from the date of allocation, and move in within 24 months’ time. At times, you can view the land via a virtual tour if you do not live close by.

A small town of 1500 people, it is a great outdoor destination with fishing, hiking and biking opportunities. If you are an active person and have business prospects, maybe Osbourne is a good place to settle and grow yourself as well the town. 

13. Mankato, Kansas

The city is offering free land lots for residential property construction is no less than 1200 sq. ft. The construction should begin in 6 months from the time of allocation and the lots are not far from the school, hospital, shopping centers and restaurants. 

This is a tight-knit community of 900 and wants their new residents to get involved. So, if a friendly community and easy access to important facilities are what you are after, then Mankato is a place to settle and get your hands on free land.

14. Loup City, Nebraska

To get free land in Loup City, you need to make a deposit of $1000. However, the deposit is returned once the construction of the home is finished. This small town boasts of a now rising population, a quiet environment but not too far from a city that it is isolated. 

15. Claremont, Minnesota

In order to get free land under Claremont’s homesteading program, the gross annual income of the family of two should be less than USD 84,200, or a family of three should be less than USD 104,000. However, Claremont has not had much interest and growing its population is slow going and the town is not quite thriving. Could you be the new addition they need?

So, 15 places giving out free land for you to choose from with various conditions and communities. Have you found one that might take your liking? Good luck with your future investments and new settings.

Author Bio

Steve is the owner behind the website Best Essay Writing Company. He is a retired Financial adviser who now helps students find the right support and tutoring services for them. He is passionate about education and learning.

No IRA? Big Problem: What a Freelancer Needs for Financial Success

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self employed retirement plans

There’s no denying that being a freelancer comes with some serious perks. You get to make your own schedule, only take on the projects that you want, and basically be your own boss. On top of that, with more and more tools and sites available to help freelancers succeed, making a career out of your side-hustle has never been easier — and this trend promises to continue. In fact, UpWork and the Freelancers’ Union estimated that there are nearly 57 million freelancers in the US.

Being financially savvy is especially important for freelancers, though. That’s because pay can be inconsistent, job security is lower than at a traditional 9 to 5, and there’s no company-sponsored retirement account. In this post, we will cover the most important financial success tips that every freelancer should be aware of. Let’s get started.

self employed retirement plans

Budget to build up your savings

This is great advice for everyone, but it’s crucial for freelancers especially. That’s because you can never be too certain that you’ll have consistent work from month to month. Sure, some months might bring you a huge new set of orders — but other months, you might be left high and dry. That means having substantial savings will be crucial for those months that you aren’t quite sure where your next paycheck will come from.

When you do have an awesome month, and you rake in tons of cash you weren’t expecting, it’s a good idea to take a few minutes to think before you splurge. Sure, getting a nice dinner for you and your friends — or finally buying that jacket you’ve been eyeing — is a great way to reward yourself. But it’s crucial that you put away the bulk of your windfall should be stashed away, just in case next month you run into a dry spell. 

Looking for some useful budgeting tips? Try out the 50/20/30 budget. Here’s how it works.

  • Every month, put 50% of what you make toward necessities — that means rent, groceries, medical bills, and car payments, gas, and maintenance. 
  • Next, put 20% of your earnings into savings or debt repayment. If you have student loans, for instance, you can put 10% toward that and the other 10% into a high-yield savings account.
  • The last 30% of your budget can be spent on whatever you like. Go see that new movie, take that yoga class, or get yourself some trendy sunglasses. This part of your budget is for whatever your heart desires.

The last 30% of your budget can be spent on whatever you like. Go see that new movie, take that yoga class, or get yourself some trendy sunglasses. This part of your budget is for whatever your heart desires.

If you’re freelancing, you can swap out the 20 and 30 on months where you bring in extra money. Put away 30% of your income in case of a rainy day. Then, when you do run into a rough month, you’ll have extra savings to help carry you over to that next higher-wage project. 

Start thinking ahead for retirement

Employer-sponsored retirement accounts are one of the biggest perks of working the classic 9 to 5. Of course, that life’s not for everyone, which is why so many young professionals choose to freelance. Unfortunately, though, by taking that route you no longer have access to employer benefits like a 401k. 

Don’t freak out, though. That doesn’t mean you can’t plan for retirement. That’s where IRAs come in. 

What is an IRA, and why should freelancers have one? Basically, it’s an independent retirement account that you make through a bank or investing company. Contemporary options are usually investment accounts that are managed by either a fund manager (a human) or an investment algorithm. Either way, the aim is simple: invest diversely in lower-risk stocks and bonds to stimulate long-term growth. 

Why should freelancers have an IRA? It allows them to power their retirement without having to depend on an employer-sponsored 401k. So, how do you go about setting up an IRA? Let’s cover the basics.

  • First, choose what kind of IRA you want. There are two basic kinds (though there are many more specific options too): Traditional and Roth IRAs. The main difference between the two is that a traditional IRA takes pre-tax, so you’ll be taxed on it once you withdraw at retirement. A Roth IRA allows you to deposit post-tax income, so while it’s taxed upfront, you won’t have to worry about Uncle Sam when you withdraw at retirement. 
  • Second, choose a company to manage your IRA. As previously mentioned, there are a few options on the market. Some newer companies use algorithms, often called “robo-investors” to allocate your money. Using an algorithm-powered IRA is one of the best retirement hacks available to consumers. Plus, many are easy to use, offering user-friendly app interfaces that allow you to deposit money, set up recurring deposits, and reorganize your investing strategy with just a few taps.
  • Next, be sure you’re consistent. Business Insider and Morning Consult found that only 33% of millennials actively contribute to a retirement account. Letting $2,000 sit in an account for 40 years will earn you some profit, but definitely not enough to retire comfortably. Be sure that you’re making monthly deposits into your account for maximum growth potential. 

Remember: though it may be a nuisance to not have access to a portion of your income, in the long term, you won’t regret it. Many seniors retire without enough savings to cover the basic cost of living, sometimes because they haven’t planned ahead. 

Invest in your networks and skillset

Working as a freelancer, your reputation and skillset are everything. When word gets around that you are the best graphic designer available, or the cleanest copywriter around, you’ll start seeing your profits increase. The only way to ensure that you’re a known professional in your industry is by investing time, and sometimes money, into your network and skillset. What does that mean? The short answer is that it depends on the profession you work in; a freelance web designer will have a different professional network and skillset than a freelance bookkeeper. 

However, there are some basic moves that any professional can make to ensure that they are connected with who they need to be connected with, and working on the skills they need to grow their trade. Here’s a brief overview:

  • Don’t be afraid to reach out to established professionals in your field. If you’re a freelance writer, see if you can find mentors on sites like LinkedIn, which allow you to connect directly with other professionals — often ones who have “made it” in the area you’re trying to break into.
  • Attend conferences on topics in your industry. This will not only allow you to learn about key developments relevant to your work, but will also give you the opportunity to network with professionals on an in-person basis. Someone looking to hire new freelancers will be much happier to go with the face they know rather than the nameless online listing.
  • Find online courses that can help you level up in your craft. If you’re a graphic designer, for instance, there are tons of online resources that can walk you through the basics of using design software. Even programmers and data analysts can find engaging online courses to improve their skill set. 

There’s no doubt that being a freelancer comes with a unique set of benefits and challenges. However, prioritizing your financial success should always be your career priority as a freelancer. This will give you more freedom to get back to the reasons you got into freelancing to begin with — having ample time to make your schedule, work from home, and live a free-spirited lifestyle. Plus, you’ll be able to happily work towards a comfortable retirement.

Author Bio: Brooke Sikora is a contributing writer for 365 Business Tips. She has a B.A. in Public Relations from the University of Oregon. When she isn’t writing, you can usually find Brooke enjoying the outdoors, traveling or exploring new coffee shops throughout San Diego

Things to Know When Buying a Car for the First Time

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things to know when buying a car for the first time

Do you want to learn about what things to know when buying a car for the first time?

There is plenty to consider when you are purchasing your first car. A vehicle is not something that you can impulsively buy.

There are many factors that impact the purchase of a car whether it be new or second hand. Here are some items to consider before you decide on which car to buy.

Plan for future needs

Will the chosen vehicle be the right choice for your daily commute? How fuel-efficient would it be for long distances? Choose a car that will suit your everyday needs well to ensure a longer vehicle lifespan.

Also, consider your plans when making a final decision about the car you wish to purchase. As an example, if you plan for kids soon, you may want to choose a people mover or another vehicle which has more seats and bigger storage space.

If it looks like you’re going to raise a growing family then consider the number of seats and the amount of space for basic things such as shopping, prams, and child restraints.

If looking for a long term investment end it may be better to go for a more expensive and more solid vehicle, especially if you have family, over and against small and generally less well-manufactured vehicles.

Some types of vehicles with widely varying uses and functions include:

  • Recreational vehicles such as four-wheel drive
  • Sports cars
  • Family cars and wages
  • People Movers
  • Small Sedans
  • Coupe and two-door vehicles
  • Hatchbacks
  • Utes and pickup trucks

Different makes in models of cars are designed to do very different things. A ute or pickup truck may be excellent on the farm but not so useful on long city roads or when needing to take the family on holidays.

Don’t just look for a car that is nice. Forget the idea of a dream car. Look for the car that is genuinely useful and functional for your needs.

Talk to friends and family about their experiences with different makes and models. Every car will have its pros and cons and you’ll need to weigh these up not only in terms of immediate use but future value.

Research financing options

One task that can be overlooked is calculating and comparing car loans. When you are looking to finance a car loan, you have to consider the interest rates, monthly repayments that you can afford, and the reputation of the lender. 

Most car loan providers have a different loan amount, interest rate, and repayment policy. Some car loans can also be extended to those with bad credit scores, while others are stricter.

That’s why it is important to find a car financing option that best suits your needs — and negotiate the best deal possible.

Inspect the vehicle

If you are buying a used car as your first car, have a mechanic that you trust inspect it. Most of the time, they can spot problems with vehicles that may require costly repairs soon and usually would only cost you around $60 dollars for the inspection.

Heed their advice as it will be beneficial to you in the long run. You can trust mechanics to tell you whether the vehicle that you are looking at is worth its selling price. 

They can also tell you if the used vehicle has hidden signs of wear and tear, such as areas that have been patched up after a car crash.

Some of the more important things to inspect include:

  • Check the engine for signs of wear and tear
  • Check for oil leaks and a build-up of oil on the starter engine
  • Check the quality of the tires & tire tread
  • Check all lights interior and exterior
  • Check the science of rust around the radiator and check coolant and water levels
  • Check the appearance of smoke from the exhaust
  • Check that seat belts are functioning properly and are not

You should also check the body for signs of damage or a car accident. Look for signs of rust and make sure that all keys and door locks are functioning.

Mileage is also an important factor to consider when purchasing your first car. City cars will tend to have fewer miles on the clock but may also suffer from stress due to repetitious driving. Cars in the country may have more miles but drive better than small and inexpensive city cars.

Cars that have been used primarily near the ocean may be more susceptible to rust and body damage due to the atmosphere on the coast and the increased humidity while can’t you cars may have greater amounts of the oil build up dust and grime.

Take the car for a test drive

It is one thing to like a car’s exterior, but another thing altogether to know if you are going to like how a car feels when driven around the city. 

Ideally, you would have your family members with you so that everyone can pitch in their opinions about your new ride.

A test drive will help determine if the car’s performance and handling meet your expectations. You can also bring a vehicle checklist with you so that you remember all you need to look out for.

Here are some questions you should address:

  • How does the car start when cold?
  • How do the brakes feel when applied suddenly?
  • Are brakes responsive to gentle touch or do they require hammering?
  • How does the car react to deviations in the road surface? How does the suspension feel?
  • Does the car go straight when you release your hands from the wheel?

Once you begin to pick up some speed you will also be able to test the bearings. you’re listening out for a humming sound from the wheel. This will be especially noticeable around left-hand turns or when you’re cornering to the right.

It’s also a good idea to take a long and experienced friend you may be able to pick up and observe small details that you would have a look while driving.

Allow 10 to 20 minutes at least for a test drive so that you’ll have time to go through the most important checks.

Negotiate the prices

Do not be afraid to reject additional policies or other add-on features if you do not want them. If you are anxious about negotiations, how about approaching the sales online first? 

Online sales services are always available, whether via e-mail or live chat sessions. When you approach the sales team online and have a chat with them before actually going to purchase the car, you will have more time to think about and decide on the policies you need.

There will also be fewer impulsive purchases when you can sort out a deal online beforehand.

The method of negotiation will depend on where and how you plan to purchase your car. For example, online car sales dealers will provide less opportunity for negotiation than a visit to your local used car or new car sale yard.

It’s important to decide early on the price range you are willing to negotiate for the particular make and model of the car you want to buy. What prices are fairly standard in the new car market, prices in the second-hand car market can vary greatly.

Some people are selling due to maintenance costs while others are selling as a result of age the need for an upgrade. Many high-quality cars are sold at very low prices because people simply no longer drive. These cars are off and kept in excellent condition are garaged and maintained well and are offered at a lower price.

Add maintenance costs into your budget

It’s important to know your budget and to stay within your budget. The elements of your budget the most important include:

  • The cost of purchase
  • The cost of interest and any loan repayments
  • The likely cost of maintenance
  • The cost of legal fees, insurances, and registrations
  • The cost of any necessary modifications

Other ways to create an effective budget is to add all of the likely monthly costs of owning and maintaining your car and deducting this from your monthly income. It’s important in your budget to separate fixed and unfixed expenses.

Final remarks

Fixed expenses will include things like registration and insurance while on fixed or variable expenses will include things like fuel and basic maintenance and modifications.

Make sure the terms of your car loan are clear so that you will not be surprised or hit with any unexpected loan fees for additional loan management costs.

You have to add your car maintenance costs into your budget from the day you acquire your car. Look into how costly the maintenance fees might be for your choice of vehicle, and what are some of the common issues that you will have to look out for.

By putting aside some extra cash every month for car maintenance and repairs, you will save yourself from future headaches should car issues arise as you have money in the reserve to pay for them.

Lastly, it is important to take your time and consider your options when buying a car in order to find a deal that suits you best.

How To Get A Car Loan With Bad Credit

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car loans for bad credit

Like most people, there comes a point in your life when everything seems to be going wrong. Whether it’s a divorce, getting laid off a job, a failed business, or sickness in the family, the sad reality is that most of us aren’t prepared for a big crisis. When plights of life strike, one of the first tangible aspects of life they hit is our financial health.

For most people, it’s not just about needing to living below your means. It’s about suddenly not being able to make a loan to alleviate the financial loss; or not being able to get a car for your job; or even not being able to move to a new home — all because of a negatively impacted credit score.

While bad credit history doesn’t equate to you having a poor work ethic or being irresponsible with finances, banks and most other traditional lenders would rather not take the risk. The truth of the matter is that the world of financing (for vehicles, personal loans, or otherwise) is still a statistics game. Statistically, people with bad credit are bigger risk borrowers. This is why you’re having difficulty in getting an auto loan from a dealership or a car loan from the bank.

While people would typically say it’s a bad idea to even think about big ticket purchases like cars or getting into auto loan agreements when your credit standing is poor, sometimes you just need a car to get back up on your feet, or to get to that new job cross-state, or even to (actually) start improving your credit rating. But when banks and traditional lenders won’t let you; how are you supposed to do it? Before getting to the how there are a few things for you to consider:

Car Loans for Bad Credit: It’s Possible

Here are six tips to keep in mind for getting a car loan with bad credit.

1. Get a co-borrower

One of the easiest ways to secure bad credit car financing is through getting a co-borrower with good credit to go on your application. Whether it’s a parent, partner, or spouse, your chances of securing a car lease will drastically increase.

This is because, on paper, someone else’s assets and income are combined with yours during the qualification process. So if there’s someone you trust and trusts you enough to be a co-borrower, you’re going to want to talk to them about this. Chances are, you’ll even get better interest rates.

2. Go with the little guys (Mom & Pop lenders)

Not everyone is comfortable with asking family or partners to become co-borrowers, or even have someone in their lives who are financially capable of being a co-borrower. When you have a poor credit rating and getting a co-borrower is not an option, one of the best things you can do is to go with a smaller financing company.

Unlike big companies like RoadLoans (US) and most banks, the mom & pop-ish stores like Alpha Car Finance (AU) are more likely to let certain qualifiers slide to get a new customer.

3. Employment History

If you want to try your hand at traditional lenders, then one of the first things you should look into is your employment history. Take note that having a history of jumping from one job to another is a big red flag for most companies. This is because they’ll always be questioning whether or not you’ll be able to sustain this job and if not, how will you handle your repayments?

4. Residency

The length of time you’ve lived in an area or multiple areas is a big deal as well. If you’re the type to move addresses every six months then you might not be considered. The less likely you are to stay put, the higher the risk for them.

5. Expenses Trump Income

For the smaller companies, a weekly income of $700 is usually the minimum. Now you would think that the higher your income, the better your chances of getting approved, right? Not necessarily. So long as you meet the minimum requirement of weekly income, the rule of thumb is always going to be expenses trump income.

Even if you’re earning $3,000 per week, a lender would still be wary of approving you if your expenses are $2,900 per week. This means you only have $100 to spare for emergencies and your car finance. Now compare this to making only $700 per week but with expenses of only $300 per week. That $300 liquid in your cash flow makes you a stronger candidate for approval than if you’d have higher income but with higher expenses.

6. Have some money in your account

If you want to increase your approval rate with lenders, make sure that you have some money in your account. To investigate your income and expenses, financing institutions would ask you for (typically) last 3 months’ bank statements.

Now if you only have $300 in your account, that might be taken against you. This is because of the assumption that people who don’t have padded savings might not be able to fulfill their repayments during emergencies.

But if you have a few thousand in your account especially over the last three months, you’re more likely to be considered even with poor credit standing or lower-income because you have that safety net in case of emergencies.

3 Things You Need to Do for a Comfortable Retirement

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retiring comfortably

After a long life of working hard, you’ve finally hit retirement age. This is a fantastic time to reflect on all the wonderful things you’ve done throughout your occupational journey, and start to focus on enjoying some recreation in your twilight years. 

You’ll either move into living off your savings for the rest of your life, receiving a lump-sum payment or payment plan from your retirement accounts, or receiving a government pension depending on what you are eligible for. To make the most of your money, a bit of planning is in order so you can make sure your retirement is a comfortable one.

Work out what it is you want from your retirement

You’ve suddenly got a lot of free time on your hands, and many seniors use this opportunity to take up hobbies they’ve always wanted to try or to participate in more activities. Deciding what you’d like to do recreation wise and researching the ongoing costs of taking up the activity is the first step towards a comfortable retirement.

Perhaps you’ve always wanted to build model trains. If this is the case, you’ll need to factor in the cost of the materials, the new parts and the ongoing supplies like glue. Deciding how much you’ll want to put towards this hobby each week will help you stay on track and discourage overspending. To help you establish a retirement budget,
a retirement calculator is a helpful tool in finding out how much money you’ll be entitled to each week whilst managing your savings effectively.

Maybe instead you’d like to save for a bigger goal, such as an overseas trip. Working out the cost of the vacation, including accommodation, meals, tips, and entertainment will give you a figure to start saving towards. You’ll be able to factor in savings each week or month towards your vacation whilst maintaining your budget and still living within your means. 

Preparing for the unexpected in your retirement years

Life is full of twists and turns, so it’s only smart to prepare for the unexpected. Writing out a budget, creating a legal will, creating a rainy day fund and making sure your insurance policies are up to date are all great ways to make sure that when an unexpected expense comes up, you won’t be drowning in debt.

Making sure your insurance payments are on time and up to date is like having a savings fund that is managed for you. If you’re the sort of person who dips into their savings quite a bit, insurance funds will guarantee the repayments you make can’t be touched until you need them most.

It’s easy to forget that unfortunate events can (and will) happen, particularly when your life is running along comfortably. A death in the family or sudden health issues can cost thousands of dollars in payments, particularly if you don’t have private health or life insurance. 

When these costs pop up and you don’t have a contingency plan in place, you could be facing bankruptcy or even homelessness in extreme cases. Preparing for the future now guarantees these worst-case scenarios won’t happen, and it’s always better to be safe than sorry.

Making sure your savings are on track during retirement

Not all superannuation, IRA, 401Ks or retirement funds are created equally, and it’s a good idea to do some research on the fund you’re currently with, or make arrangements to pay into an account that more aligns with your goals.

Many people don’t realize that throughout their careers, they may have had several different 401K and IRAs that your employers will have been paying into. Consolidating these into a single account ensures you know the exact figures you’re working with for your retirement. 

You may be wondering if it’s better to save into a personal bank account over a retirement account, and there are both pros and cons to each of these options. When saving into a personal bank account, it can be easy to dip into your savings whenever you like, leading to overspending. 

Some retirement accounts charge a monthly or yearly fee you may not have been aware of, and your retirement money could be depleted quicker than you’d like. Finding a retirement option that fits your needs is, therefore, a very important part of making your future comfortable. Don’t be afraid to ring around and find something that suits your goals.

Learning how to keep yourself financially stable during retirement

In preparing for a comfortable retirement, it might mean working harder now so you can enjoy the benefits later. Paying into a life insurance policy, having a rainy day fund and sticking to your retirement budget are the best ways of making sure your future is financially covered, even when the unexpected happens.

Preparation is key, and your senior years should be spent enjoying the fruits of your labor. With a little planning and organizing, such as using a retirement calculator or consolidating your retirement accounts into one fund, you’ll be set up for retirement success.

How to Make 60 Dollars Fast Now

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how to make 60 dollars fast

Need to make $60 dollars fast?

We come across moments when we need to come up with ideas on how to make 60 dollars fast in one day. And it’s often those times that really matter.

Whether you need extra cash to get the bills paid or you wanted to save up for something, these 18 legit ideas can help you make $60 in a day.

Depending on your situation, you’ll have to combine one, two or three of these ideas to get your 60 bucks. Creating new income streams can help you reach your goal and diversifying your sources of income is recommended.

With each new income stream you develop, you’ll be one step closer to your goal of getting cash right now.

Let’s take a look at these top ways on how to make 60 dollars fast in 2021.

How to Make 60 Dollars Fast Now

Hopefully, you can stop wondering, “How can I make $60 fast right now?” because we’ll only include legitimate and safe ways to make $60 a day.

We will begin with “quick wins” — or companies that’ll pay you for signing up — below:

Sign up for all four offers and you’ll be closer to $60:

Next, we’ll move on to other ways to earn your $60.00 quickly.

1. Make $60 fast with online focus groups

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Getting paid to give your opinion sounds like a dream. But Survey Junkie actually pays you for joining focus groups, answering questions, watching videos, trying new products — you get the idea.

When you use Survey Junkie’s website or free app, you earn cash rewards. You can also get a quick signup bonus for joining.

If you are interested you can go ahead and claim a registration bonus for signing up.

Take Surveys and Earn Cash Now

Want other others to earn your $60 fast?

Here are two of the other highest-rated paid survey websites:

  • Swagbucks is one of the most recommended rewards sites. They offer a large variety of surveys and in different categories and they make payments via PayPal.
  • With InboxDollars you could earn quick cash for watching videos, playing games, and searching the web. Plus, they give you a $5 sign up bonus here if you sign up!

2. Make $60 fast by lowering your monthly bills

make 600 dollars fast

“I could not believe how easy this was to do. It took me about 5 mins of work and I had about $60 in my account.”

When you want to make a quick $60, one of the easiest ways you may overlook is finding easy ways to lower your expenses.

I didn’t realize how much I was overspending on my cable, phone bill and to random subscriptions that are on autopay.

Most people don’t bother with the trouble of calling up AT&T, Verizon, Sprint (or whatever cell phone provider you use) to try to get their cell phone bill lowered. So let someone else do it for you.

Avoid overpaying on bills by using Truebill, a company that will negotiate down bills for you. It will even check on those pesky subscriptions for you.

It’s pretty simple to sign up and takes a minute. You’ll likely be able to save over $60 this year by using it!

Say Goodbye to Overpaying with Truebill

3. Make $60 fast with online freebies

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When trying to make $60 fast, every dollar counts.

Thankfully, you can easily pad your wallet or purse with cash back apps like Ibotta ($10 sign up bonus) and Pei ($15 sign up bonus) that pay you for the shopping you do daily.

Sign up for all three and that’s a quick $25 just for downloading three apps – not bad.

Here are some other companies that pay you for downloading:

  • Survey Junkie: Make $2-50 in your spare time each day by taking surveys, participating in focus groups, and testing new products. Join Survey Junkie here.
  • Swagbucks: Similar to Survey Junkie, but with a few more ways to earn (such as watching videos and using their search engine). Get a $10 signup bonus for joining.
  • Rakuten and Dosh: Two cash back apps that essentially pay you whenever you shop; Rakuten offers a $10 signup bonus and Dosh offers a $5 signup bonus.
  • Acorns:  Once you connect the app to your card, it rounds up your purchases to the nearest dollar and funnels your digital change into an investment account. Sign up to try it risk-free with a $5 sign up bonus

4. Make $60 fast in one day with Airbnb

earnest money

Another smart way to make $60 fast is by listing your space on Airbnb.

It’s smart because it’s simple and free to list and you easily make $60 in under a week.

You can actually see how much you’re able to make by using their cash pay-out calculator to do some quick research beforehand.

By creating a free account, setting up a 5-minute listing and setting whatever prices you want, you have the potential to skyrocket your income. Of course, the nicer your home and location the better.

However, you don’t even need to have a spare room or home to share to earn with Airbnb since they now offer “host experiences“. 

This is a really unique thing that they offer and are expanding into. If you ever had friends from out of town visit and you showed them the cool things to do in your city, now you can get paid for doing just that… for strangers.

5. Let a chatbot save you $60 this year

payroll processing

The next idea for you to save an extra $60 this year is by letting automation do the work for you.

Trim is a money saving bot that sends you messages via Facebook messenger and can help you save money.

After a quick 2 minute sign up the bot will go through your spending habits, show you all the subscriptions you’re signed up for (and should cancel), and even negotiate your utility bills for you.

Basically, a free personal financial advisor that you don’t have a pay a cent for, in fact, this chatbot will actually save you money. 

It’s also worth mentioning another bot that has a black belt in fee negotiation is Truebill (I use both since they’re both free).

Sign Up for Trim Free with Facebook

6. Get $60 fast for downloading an app

how to make $60 fast

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make money too.

I downloaded this app on all of my devices and make around $60 a year passively.

You don’t really have to do anything other than initially registering your devices (phone, laptop, tablet) and they’ll pay $50 per device.

This is a smart way to make extra money as even if you just install it on your phone they’ll pay you $50 a year keep their app on it.

They also keep things interesting for me since they give away a modest $10,000 each month. I like to think I have better chances of getting it than the lottery, so consider it a free lotto ticket each month, too.

If you are interested in getting paid passively, I recommend that you sign up through here for a registration bonus.

Get $50/Year Per Device

7. Make well over $60 fast with real estate investing

how to make $60 fast

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. Fundrise allows you to now invest in large-scale real estate for as little as $500.

For example, I invested in $1,000 in February (to diversify my portfolio) and my account has gained $15.98 in profit since then, it’s actually quite exhilarating!

Through their real estate investment products, investors earned an average of 8.74 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

  • 8.74% – 12.4% historical annual returns
  • Diversify your portfolio with real estate
  • Maximize your earnings with a low-fee approach

There is a reason why they currently have over 200,000+ users, this app really pays us!

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

Invest in Real Estate with Only $500

8. Make $60 fast delivering groceries

make $200 fast in a day

You can also make money fast by delivering groceries in the gig economy.

Instacart delivers groceries from local stores in two hours from stores like Whole Foods Market, Target, Costco and Petco. Why should you care? Because this is a lucrative opportunity for you to make money fast.

If you wanted to become an Instacart personal grocery shopper, you’ll earn an average of $15 per hour!

How to make that $60 fast though?

Sign up as a personal grocery shopper and start to receive grocery orders through an app on your smartphone and then shop and deliver groceries to the customer’s door. You can start earning quickly and get paid weekly and schedule hours based on your schedule.

Get Paid to Deliver Groceries

9. Get $60 now with ZippyLoan

I need money now

If you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go. You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $60 and $15,000 as soon as tomorrow. Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

Get $60 Right Now

10. Get $10 fast by using Rakuten

how to make $1000 fast

If you enjoy shopping online and always look for the best deals, Rakuten is a solid choice to make money the easy way.

Rakuten gives you money back on your purchases made. To get started all you need to do is register and before you shop next time, visit Rakuten first then your favorite store after. I do this every time I shop online because Rakuten works with almost every online store I can think of.

From the moment you start using Rakuten your savings is sure to add up and you can make $60 quickly depending on how often you shop. You can get paid via PayPal too. Rakuten also gives you a $10 sign up bonus to start. Get your bonus here.

Sign up Free - Claim $10 Cash

11. Get $60 fast with cash back apps

how to make $60 fast

Have you ever dreamed of paying less for gas each week? Well, that time has come, with GetUpside you can earn money by sharing your purchase receipts and shopping at local stores. I heard about this app on the radio and decided to try it out for myself.

The system is simple: you take a photo of your gas receipt and upload it. Then the app will digitize the receipt information and you’ll get up to 25 cents off each gallon. I’m surprised I don’t hear about this app more often though, I make a killing with it.

You can likely rack up an extra $60 this year by using it. And you can also save up to 35% at restaurants and 15% at grocery stores near you. The money you earn can be transferred to your Paypal account or redeemed for gift cards to buy at Amazon and other stores. You can get a download link sent to your phone here.

Start Paying Less for Gas

Need 60 dollars fast? Go get it

Everyone wants to make money fast. However, if you search the internet for how to make 60 dollars online you’ll find a bunch of affiliate marketers trying to promote affiliate links of spammy survey sites or services that haven’t even tried out.

Sure, the list I have provided may require a bit more work to earn your $60…. but they are real and honest ways you can ACTUALLY make 60 dollars. End rant. Got any more ways to make 60 dollars?

Did I answer your question: how to make 60 dollars fast?

The Art of Couponing Like a Pro

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the art of couponing

Everybody loves a good deal, and finding a coupon for an item you want or need is pretty easy, especially in 2020. In fact, according to a recent report — 31 Billion digital coupons will be redeemed worldwide in 2020, up from 16B in 2014 and there will be 1.05 Billion mobile coupon users worldwide by 2020, up from 560M in 2014.

But does that even surprise you?

If you ever purchased something online you know that coupons can be found in a variety of locations including the newspaper and saving sites like SavingLoop.com or ReferralWallet.com — among others. But what are some other ways to save money by couponing? And what are the best tactics?

Let’s find out.

The Art of Couponing: A Beginner’s Guide

Ready to get started couponing? Here’s how to adapt the life of an extreme couponer.

1. Stay up to date with the stores you visit

Stay up to date on the coupon policy and programs offered at the stores you shop at. Some of the things you need to know, include whether or not they accept competitor coupons, if they double your coupons or if they accept online coupons. If you are unaware of the answers to these questions, you might not be saving as much money as possible.

One thing that people should always do is put coupons to good use when a store has a buy one, get one free deal (BOGO). You are able to get an item for a great discounted price, and another for free. Many times, you’ll be paying less than 25% of the original purchase price.

Just remember to never buy an item exclusively because you happen to have a coupon. Sometimes people are so eager to make use of their coupons that they make purchases they don’t need and actually wind up spending more than they would have without the coupons. Just stick to the items that were already on your list and you will save more!

Pro-tip: To help save the most amount of money with coupons you should use them during sales. On some occasions, you will need to stash your coupons for a future sale instead of your next grocery shopping.

2. Use coupon and discount sites

Search the web to find coupon codes or promotional discounts for websites you shop from frequently. Many times, you will find a code that will offer either a discount or free shipping. You can also learn how to get free coupons by mail.

You do not have to use coupons right when you get them. Provided your coupons don’t expire, it’s a great idea to hold onto them until you can make use of them during a sale on the same items for which they offer savings. This will really multiply the benefits of using coupons, often reducing the price of your purchases significantly or even making them free!

As popular as the Sunday paper used to be to find coupons, the Internet is the best resource nowadays. There are many money-saving coupon opportunities online with regard to food and clothing. The key feature of this avenue is not having to clip coupons endlessly. Now they are print and go.

For the online stores where you buy things from, search for coupons and discounts using a search engine. Many times, you will find a code that will offer either a discount or free shipping.

Pro-tip: Before you go shopping with your coupons in tow, make sure you have a thorough list to follow. Also, make sure that you take all of your coupons with you, as you can double-check that it applies to the item.

3. Check out store ads before your visit

Peruse the store ads before you clip your coupons. You might decide to shop multiple stores in order to reap the most savings.

As you check out, watch carefully to make sure your coupons are applied properly. A lot of coupons won’t scan properly, and this can leave you on the hook for a lot more money than you have planned on spending. So keep your eye on the cashier and make sure that everything is going through just as it should.

Many people find that dollar discount stores are an excellent source of steals and deals. You can often find brands that match coupons with dollar stores. These are usually products that are overstocked and delivered to “low end” retailers to recoup production costs. This pays you in the end as you can take the coupon off the deeply discounted price.

You can sometimes get free coupon books by postal mail or cheap by calling the newspaper’s office to ask for a discount. Some newspapers will let you get the weekly paper for as little as a dollar an issue if you have a Sunday subscription.

Pro-tip: If you have a coupon for an item that is going to go on sale, then you could save even more money by making use of coupon-clipping services for ordering numerous copies of the coupon. A coupon website would probably be your best bet here.

Don’t purchase anything online until you do a coupon search. You can use any search engine to locate great deals by searching for the term “coupon” along with your retailer’s name. If there are any coupons available, you should be able to find them. Remember to check your options on your browser for the most recent results also. There may be free shipping available, or a percentage off of your total purchase.

Clipping Coupons 101

When you are learning how to coupon, do not let couponing monopolize your time. Looking through circulars and clipping coupons can take up a lot of time. Figure out how much money you can save and decide if clipping coupons is worth your while.

Use your coupons in line with the sales at the stores that you use them in. That will help you save the most. Generally, coupons will not expire before the item goes on sale at a store near you. Coupons, when combined with sale prices, can save you upwards of 90 percent on your total grocery bill.

Pro-tip: Make sure that your coupons do not take more time than you can allot. It can take up a whole lot of time clipping and organizing all those coupons.

You should not be ashamed of using coupons. No one has money to waste in these economic times. Many people are doing what they must to stretch their money. There’s nothing wrong with being savvy to save money.

Be respectful about your coupon use. Use the coupons for what they are meant for, and do not attempt to get away with using expired coupons. Lots of stores adjust their policies if a large number of people exploit them, which can cause everyone to lose out on savings.

The information in this article will help you organize and develop strategies for maximum savings. Use what you have learned to save as much money as you can. There are even coupons to help you travel at times as well.

Familiarize yourself with coupon acronyms. “BOGO” is an acronym used to indicate that if you buy one, you will get one free. Another one ‘MIR” has a meaning of mail-in rebate. Understanding these acronyms is critical to becoming a savvy shopper. If you are not familiar with them, you may not be aware of the value of the coupon.

Pro-tip: Don’t feel embarrassed by using large amounts of coupons at your store’s check-out line. Trying to save money can make you take a little more time, but it is worth it.

Next, you can learn more about money management to better manage your money, and life.

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