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Best Personal Loans of 2021

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best personal loans

Do you need access to money and are searching for the best personal loans of 2021?

We compared the best personal loans for good credit.

Personal loans can be a great alternative to credit cards for large or unexpected expenses.

You can also use a loan to reach a financial goal, such as paying off high-interest debt or funding a large purchase.

Usually, the loan with the lowest interest rate will be the least expensive option and is the best choice.

The options below offer fast and easy online applications.

Please note that pre-qualifying will not impact your credit.

Do You Need Access to Cash?

Anything can make us want money. The reason can be an insurance premium due, a vacation to travel, host a party, a house renovation, and so on and so forth.

A personal loan online can help us achieve our dreams when we can’t get the money from our pockets.

Online personal loans can be payday loans, paycheck loans, or installment loans. They are often on short-termed repayment bases, most especially when they are unsecured.

In order to be approved for such loans, employment history and identity verification are required.

Both requirements must show that the borrower can repay the debt with the prospective paychecks.

Best Personal Loans of 2021

A borrower can make a request for a personal loan from either a conventional entity or an online lender, but the best and easiest platform to take a loan is via the internet from an online lender.

When a borrower applies for an online loan, some basic information that ranges from the borrower’s name, home address, office address, phone number, social security number, and the borrower’s employer name and contact are required.

Borrowers also provide the online lender with their bank routing number and personal bank account for verification. Once the loan request is approved, the fund is disbursed to the borrower’s local bank account.

Here are the best personal loan options as of 2021:

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 Lenders:

LENDERCURRENT APR RANGELOAN TERMLOAN AMOUNTBEST FOR
SoFi5.99%–18.85% (with autopay)2 to 7 years$5,000–$100,000Overall personal loan
LightStream2.49%–19.99% (with autopay)2 to 12 years$5,000–$100,000Generous repayment terms
Avant9.95%–35.99%2 to 5 years$2,000–$35,000People with bad credit
Marcus by Goldman Sachs6.99%–19.99% (with autopay)3 to 6 years$3,500–$40,000Debt consolidation
Best Egg5.99%–29.99%3 to 5 years$2,000–$50,000Low APRs
Upgrade5.94%–35.97% (with autopay)2 to 7 years$1,000–$50,000Fast funding
Payoff5.99%–24.99%2 to 5 years$5,000–$40,000Paying credit card debt
Upstart6.76%–35.99%3 or 5 years$1,000–$50,000Little credit history
LendingClub8.05%–35.89%3 or 5 years$1,000–$40,000Using a co-borrower
PenFedStarting at 5.99%1 to 5 years$600–$35,000Small loan amounts
TD Bank6.99%–21.99%3 to 5 years$2,000–$50,000Few fees
PNC BankStarting at 5.99% (with autopay)6 months to 5 years$1,000–$35,000In-person banking

If you have poor to bad credit, you should consider using LendJet to get a personal loan. You can see our full review here.

Benefits of Taking Out an Online Loan

1. Online Approval

Online lending service is available 24/7. Anywhere you are, you can apply for a loan on the internet. Most Online lenders provide loans with quick approval. There is no use of fax. Everything can be done just with your phone and internet connection.

2. Saves You Time

Taking out a loan via the internet saves time. An in-person application can take days before you get your loan approved, but the online lenders provide you with a loan by using the fastest method.

3. You Can Get Out of Difficult Situations Quickly

Any financial problem can come up even when we less expect them. Taking out an online cash advance immediately via an online lending platform can erase the hardship.

4. You Can Get Back on Budget

Paying bills may attract fines. But a loan fee is less than the fine levied on store credit cards or missing payments. With the use of an online personal loan, you can avoid such fines. The loan will enable you to ramp up on your budget.

5. You Can Use The Money However You Please

Online lenders do not place a restriction on how you spend the money you take. You are free to use the funded money anyhow you want. But that is not the case when it comes to taking out a loan from a conventional banking system.

6. Online Loan Applications are Quick and Painless

Just get a phone. Access the internet. Without leaving the comfort of your home, you can get your cash advance approved, and the fund will be disbursed into your local bank account.  The monthly due repayment can be automatically withdrawn without any effort. Thus, the online loan application is quick and straightforward.

7. There is No Credit Hard Check

Traditional bank lenders are very strict with credit scores, and any borrower with a bad credit history will find it difficult to be considered for a loan. However, some lenders give cash advances to borrowers with a bad or no credit history in order for the borrower to pay back the debt.

In conclusion, you can face many obstacles if you apply for a loan via a conventional entity. A credit score is one of the key issues that come up with taking out a cash advance from banks.

8. No Collateral Required

Often, conventional lenders offer secured loans. So, you need to provide them with collaterals. Although collateral lowers the lending risk, if you fail to pay back the loan, the lender can seize the collateral, just to cover the loss.

Online lenders can offer you loans without collateral. You do not have to put your property at risk. Online lenders ensure that you get access to a cash advance to achieve your financial dream without taking much risk on yourself.

How to Use Fast Cash Loans the Smart Way

We could all use more money and the idea that you could have more money quickly is quite tempting. Fast loans are able to get cash into your hands right away and this can be a fantastic thing. However, you should definitely know how to use this powerful tool, the right way. Below we will highlight key factors on how to use fast cash loans.

1. Be Realistic

When you think about how much money you need in a loan, be realistic. Sure, everyone could benefit from a few extra thousand but do you really need that much? Only apply for a loan in the amount that is necessary to your situation. Keep in mind that there will be interest and fees attached to your loan so while you may think you are borrowing a simple $1000, for example, you are actually responsible for more in the end.

2. Choose the Best Loan For You

There are many types of fast loans out there that you can apply for. Personal cash loans, payday loans, credit loans, and credit card advances are just a few of them. Each type of fast loan is different so it is important to know which loan is the best for you. Do you need to borrow a small amount of money and will be able to pay it back with your next paycheck? A payday loan may be your best fit. If you need a larger sum of cash and know that it will take you a while to pay back, opt for a personal fast cash loan. Choosing the right loan is essential to successfully utilize your borrowing power.

3. Pay Back The Loan

No matter what kind of loan you choose, you need to pay it back- it is a ‘loan’ after all! Making payments as outlined in your loan agreement will help you in a few ways. First, it will ensure that you only pay the amount you signed up for. You will know how much interest you will be paying and what fees will apply to your loan. If you do not pay on time or ignore your payments completely, you will be paying more interest on your loan and also likely be charged late fees. These can add up quickly causing you to pay much more than you initially planned for.

Making payments on time can also help improve your credit score. You may think that taking out a loan would harm your credit but in reality, the opposite is true. If you make consistent, timely payments on your loan, your credit will improve as you are showing your financial responsibility. In this way, a loan can work in your favor.

4. Use a Loan for Necessities

If you are thinking of taking out a loan for $300 or $10,000, be sure it is for something you truly need. Loans are a great tool to help if you need to pay for your education, buy a car, renovate your home or consolidate your debt. However, you may want to think twice before taking out a loan to spend on luxuries like new clothes, fancy vacations or a brand new boat. Use a loan to buy things that you cannot live without and save your money to buy those luxury items when you can really afford them.

Fast loans have many benefits and there will certainly be times when they are right for you. Be sure to use your fast loan in a smart way and understand all the terms of the loan. When you use your fast loan in the right way, you will be able to get the cash you need on your terms!

Prosper Loans Review: Is it Legit?

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prosper personal loans review

Prosper Loans is a leading online lender that offers personal loans to borrowers with competitive rates. Prosper is a peer-to-peer lender, meaning your loan typically will come from individual investors.

Prosper offers unsecured personal loans that can be used for almost any purpose, including debt consolidation, a wedding, home improvements, or whatever you need the money for.

Prosper loans require a fixed monthly payment over three or five years.

Just to begin our Prosper loans review, if you are hoping for getting cash on the same day, Prosper is not the lender for you. Because your loan is paid by several investors instead of one, you will not receive your money immediately. If they think you’re a good credit risk, your loan could be funded very quickly. If not, your loan may not get funded at all.

Prosper loans at a glance

  • You get get a personal loan from $2,000 to $40,000
  • Generally, you’ll need a good credit score of over 640
  • Estimated APR is 6.95-35.99%
  • It’s a trustworthy way to get funding
  • You can save thousands with a fixed low rate
  • You can use it to consolidate credit card or other debt into a single personal loan
  • Get started at Prosper.com

Compare with other lenders

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 review

A personal loan from Prosper offers a few different unique benefits compared to other lenders. To qualify, Prosper uses its in-house rating system to score your credit profile. This profile is shown to investors who decide if they want to fund your loan. If your loan isn’t funded, then your application expires.

Interest Rates:6.95-35.99%
Loan Amounts: $2K to $40K
Loan Terms:3 -5 years
RequirementsFICO score of 640 or above
DTI ratio below 50%
No bankruptcies (in last year)
Fewer than seven credit bureau inquiries in the last 6 months
Minimum of 3 open trades on your credit report
Good ForPeople with less than established credit
Worst ForPeople who need the funds right away
Better Business Bureau RatingA+
In Business Since2005
Standout FeaturesFixed-rate loansBorrow up to $40,000
No prepayment fees
Checking rates doesn’t affect credit score

How the process works

Consolidating debt? Paying for a large expense like home improvement or a special occasion? Prosper has you covered. Here’s how the process would work:

1. Get a low rate

You apply first and you’ll get a loan with a low, fixed-rate that never goes up. Check your rate online instantly here.

2. Pay at your own pace

Pay off your loan with fixed 3 or 5-year terms, and a budget-friendly, single monthly payment.

3. Save money with Prosper loans

Save money with no pre-payment penalties.

Prosper features

Available for those who have insufficient credit: Prosper is a good choice for those who have been denied by banks and people who can not get a reasonable interest. It is one of the best bad credit loans. Prosper offers loans to people with a FICO score of only 640. Although high-risk borrowers have to pay higher interest rates, they are certainly cheaper than what you could get with a lender.

Fixed-rate loans: All of Prosper loans are delivered with a fixed interest rate so that in the long term you do not have to worry about an increase.

Borrowing up to $ 35,000: With Prosper, you can borrow between $ 2000 and $ 35,000. Most personal lenders do not allow you to borrow more than $ 25,000. Prosper is the right choice if you need to borrow more money.

Fast online application: by answering a few basic questions about yourself and your finances, you receive an estimate of your interest rate.

Limited loan conditions: Prosper requires that you choose a term of three or five years. While this should be good for most people, most lenders give their borrowers more flexibility when repaying their loans.

No Early Redemption Fee: If you decide to repay your loan before the end of the term, no extra costs will be charged to compensate for lost interest.

Earn money by investing: If you have money, you can earn some by paying part of the loans of other people. When they repay the loan, you receive the money that you have invested plus interest. The amount you earn depends on the interest rates of the loans to which you have contributed.

Mobile money management apps: Prosper mobile apps for iOS and Android devices help you track your spending and credit over time. Register all your purchases to see how you spend your money and look for chances to save. You can add protection against identity theft for an extra charge.

How you get your funds

The first step to check your first. You visit the Prosper official site and select your loan amount, answer a few questions and get your lowest eligible rates instantly. Then you’ll choose your loan and choose the offer with the terms that work best for you. Next, if approved, your money goes straight to your bank account via direct deposit.

Is Prosper legit?

It can be considered a smart choice to think about getting a personal loan from Prosper, as they offer you the opportunity to get money that can really help you out of a bind.

This bind will come and go, but the credit score increase that you will get will only provide you with a stronger financial platform from which to work with. When you make payments to Prosper, that meet the timeframe that was laid out you will be establishing credit.

This credit will serve as a strong point when you need to apply for other various forms of credit, such as store line credit or a future loan. Once you have paid back in full the money you borrowed from the prosper, they will report to the three major credit agencies and inform them on your payment history with them.

This will go on record and will be shared with other various lenders and credit companies. Good reports go along way when it is in regards to money borrowed.

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

  • Prosper charges start-up costs that are equal to two to five percent of your borrowed amount.
  • Bad credit may result in the rejection of your application.
  • Approved borrowers with subprime credit could receive higher interest rates
  • Many come with start-up costs or borrowing
  • You may not get your money right away, so it’s important to remain patient. If you wanted to compare other quicker personal loan options, check here.

Apply on Prosper

Prosper is a good option for those who want to reduce their monthly payments and want to repay their loans over a longer period. Times are fixed at 36 or 60 months – and if your financial situation improves and you can pay faster, no penalty is imposed.

Prosper is the right choice if you need a loan, but are not eligible for conventional financing. Interest rates are reasonable compared to most credit cards and there are no prepayment costs.

GET STARTED WITH PROSPER

$300 Loan? Here’s How to Get 300 Dollars Today

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300 dollar loan

Would you like to find the best $300 loans near you and get instant access to a reliable network of lenders?

Have you ever faced a financial situation when bills are due and you’re stressing out because you’re low on funds?

That’s why you may be thinking, “I just need 300 dollars now.”

To make things easier for you and our readers that need cash fast, we have listed the best personal loan lenders that can give you cash as soon as today.

Get $300 right now

With our help, you can get access to trusted and reliable lenders on the market, within seconds.

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 $300 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.

Need more than $300?

If you need more than $300 you can see these personal loan lenders that can offer you more, however, they will check your credit score.

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
Will I qualify for a $300 loan?

If you’re a legal US citizen or resident over 18, you’ll likely qualify for a 300 dollar loan amount from ZippyLoan. You’ll need to provide all the requested information but approval is likely certain since they work with a network of lenders. If you go with other lenders in the table above, approval is uncertain unless you have a FICO score of 690 or higher. You’ll have to provide evidence of a bank account and steady income.

How long does it take to get a loan?

Everyone has thought, “I need 300 dollars today,” at some point. The upside of online lending services is the 24/7 availability and quick application process. Most direct lenders who approve payday loans need a short time to reach a lending decision. You might get approval within minutes with cash transfers getting executed the next business day.

Can I get a $300 loan if I have bad credit?

Yes, it is possible to get a $300 personal loan or payday loan with bad credit. 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.

What happens if I do not pay a $300 payday loan?

If you stop paying on a loan, you eventually default on that loan. The result: You’ll owe more money as penalties, fees, and interest charges build up on your account. Your credit score will also fall and they can send your information to creditors.

How to make 300 dollars today?

Need to make $300 dollars fast?

We come across moments when we need to come up with ideas on how to make 300 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 $300 in a day.

Depending on your situation, you’ll have to combine one, two, or three of these ideas to get your 300 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 300 dollars fast in 2021.

How to Make 300 Dollars Fast Now

Hopefully, you can stop wondering, “How can I make $300 fast right now?” because we’ll only include legitimate and safe ways to make $300 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 $300:

Next, we’ll move on to other ways to earn your $300.00 quickly.

1. Make $300 fast with online focus groups

lendjet reviews

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 $300 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 $300 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 $300 in my account.”

When you want to make a quick $300, 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 $300 this year by using it!

Say Goodbye to Overpaying with Truebill

3. Make $300 fast with online freebies

free paypal money instantly

When trying to make $300 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 $300 fast in one day with Airbnb

earnest money

Another smart way to make $300 fast is by listing your space on Airbnb.

It’s smart because it’s simple and free to list and you easily make $300 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 $300 this year

payroll processing

The next idea for you to save an extra $300 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 $50 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 $50 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 $300 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 $300 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 $300 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 $300 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 $300 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 $300 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 $300 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 $300 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 $300 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 300 dollar loan fast? Go get it

Everyone wants to make money fast. You can get a 300 dollar loan or more through these lenders:

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

However, if you search the internet for how to make 300 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 $300…. but they are real and honest ways you can ACTUALLY make 300 dollars. End rant. Got any more ways to make 300 dollars?

Did I answer your question: how to make 300 dollars fast?

300 Dollar Loan Resources

Millennial Professionals: Should You Rent or Buy a House?

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should I rent or buy

Are you wondering should I rent or buy a home? Here are some reasons to help you weigh the rent-versus-buy decision.

Owning a home is a dream for most millennials. Unfortunately, the state of the economy today doesn’t often allow for this dream to be fulfilled.

The class of 2020 entering the worst job market since the Great Depression, according to the Bureau of Labor Statistics, and student debt is increasing exponentially. These factors put homeownership on the backburner for most aspiring millennials.

Even as they find better-paying jobs, earn supplemental income through easy side hustles and ways to earn money, millennials are encountering an unfortunate reality: the housing market today has the fewest number of homes available for sale on record.

A healthy housing market has approximately a six month supply of homes.

As it stands though, the supply of homes would be exhausted in merrily 3.5 months. 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.

There are many factors that contribute to this shortage of homes.

Primarily, most housing experts blame low inventory on builders themselves. Builders drastically scaled back after the recession, and the housing momentum hasn’t picked up enough since then. The slow rise in housing starters isn’t enough, and construction still remains far below healthy levels.

According to Robert Dietz, chief economist of the National Association of Homebuilders, “The challenge is really adding inventory at the entry-level space.” Given the rising costs associated with land development, wages, and land, it becomes difficult for builders to add affordable inventory at a cost that would meet first-time buyers’ or millennials’ expectations.

Do Millennials Want to Buy a Home?

quick cash loans

The sad part is that millennials still aspire to buy a home, and definitely expect to own a home one day. Among people ages 25 to 34 who rent, 93 percent say they are likely to buy a home someday, according to The Demand Institute.

Even though the idea of homeownership is great, a lack of planning or premature decision making can make it an absolute nightmare. Even VR technology has already enabled Millennials the convenience to experience a virtual tour of homes without physically visiting the location, but there is much more to the homebuying process.

In reality, the cost of home-owning doesn’t simply stop at a mortgage. Insurance, utility bills, fixing household problems and property taxes are just the tip of the iceberg, as is evident in Fiscal Tiger’s extensive home loan glossary. Even with the aid of property tax loans and tax-deductible payments, the costs do add up.

Millennials are quick to get lured in by the appeal of getting closer to owning an asset every month. However, an article in The Guardian warns millennials of getting sucked in without adequate thought.

Often millennials will stretch themselves financially to pay off mortgage loans in the hopes that their income will significantly rise.

Unfortunately, this rarely happens in a decent enough timeframe, leaving their personal finances in a state of mayhem.

In fact, relative to earlier generations, today’s cohort of young people is making less money, considering their education; they are more indebted with student loans and are likely to be underemployed and finding alternative methods to make money.

Other millennials resort to using a strategy called house hacking that involves renting out portions of your primary residence to generate income that is used to offset the cost of your mortgage and other expenses associated with owning a home.

But what’s right for you?

Should Millennials Rent or Get a Mortgage?

money management tips

Considering one’s stability is probably the most important factor to consider when deciding whether to buy or rent, especially at a time when there are less than sufficient houses out on the market.

According to The Guardian, “That means how stable their job is (and how likely they are to get promotions and raises over the coming years), how stable their relationship or marriage is (is there a risk that they might have to sell the house at a bad time in the market because of a divorce or split?), and how stable their career path is (might they move cities or states to work for a different company or attend graduate school?)”

If there is even a little doubt while answering these questions, and the slightest possibility they may not be staying in that house for five or more years, then buying is a poor decision. In fact, divorce and loss of income are two of the top five causes of financial distress that lead to foreclosure.

So what does this mean for the average millennial? Well, for one, millennials should definitely NOT entirely give up their dreams of buying a home.

Rather, it means they should wait to buy when the housing market picks up again and there are more options that are suitable to first-time buyers.

This would allow for more flexibility, better suiting the millennial lifestyle.

Up next:

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. Paying off your mortgage may not be a priority, but paying off credit card debt might be.

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.

Up next:

Got 15 Min to Spare? How To Make $15 Fast Right Now

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how to make 15 dollars fast

Need to learn how to make 15 dollars fast?

We come across moments when we need to come up with ideas on how to make $15 dollars 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 $15 in a day.

Depending on your situation, you’ll have to combine one, two or three of these ideas to get your 15 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 to make 15 dollars fast in 2021.

How to Make 15 Dollars Fast Now

Hopefully, you can stop wondering, “How can I make $15 fast right now?” because we’ll only include legitimate and safe ways to make $15 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 $15:

Next, we’ll move on to other ways to earn your $15.00 quickly.

1. Make $15 fast with online focus groups

lendjet reviews

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 $15 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 $15 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 $70 in my account.”

When you want to make a quick $15, 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 Cushion, a free bot that will negotiate down bills for you. It will even check on those pesky subscriptions for you.

You’ll need a Facebook account to use it, as it communicates with you over Facebook messenger (or via text).

It’s pretty simple to sign up using your Facebook account and takes a minute. You’ll likely be able to save over $15 this year by using it!

Say Goodbye to Overpaying with Cushion

3. Make $15 fast with online freebies

free paypal money instantly

When trying to make $15 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 $15 fast in one day with Airbnb

earnest money

Another smart way to make $15 fast is by listing your space on Airbnb.

It’s smart because it’s simple and free to list and you easily make $15 in a day.

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.

If you’re interested in learning more about getting paid for basically being a tour guide or listing your space, you can learn more here.

List Your Space on Airbnb

5. Let a chatbot save you $15 this year

payroll processing

The next idea for you to save an extra $15 today 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 Cushion (I use both since they’re both free).

Sign Up for Trim Free with Facebook

6. Get $15 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 $50 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 $15 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 $15 fast delivering groceries

make $200 fast in a day

You can also make money fast by delivering groceries.

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 $15 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 $100+ 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 $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.

Get $100+ 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 help you learn how to make 15 dollars fast.

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 $15 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 $15 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 $15 this week by using them. 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 15 dollars fast? Go get it

Everyone wants to make money fast. However, if you search the internet for how to make 15 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 $15…. but they are real and honest ways you can ACTUALLY make 15 dollars. End rant. Got any more ways to make 15 dollars?

Did I answer your question: how to make 15 dollars fast?

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.

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

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