Earnings – Boost Your Earnings

Learn ways to make more money to pay off your credit cards faster.

Accelerate Savings and Debt RepaymentSell Unwanted Items for Extra CashMake Spare Cash With Spare ItemsEarn Money Outside of Your 9 to 5Find Odd Jobs to Make Money

Accelerate Savings and Debt Repayment

You’ve probably heard the two most frustrating pieces of financial advice plenty of times: “Save more money!” but “Pay off your debt faster!”

“Well, sure, but how?” you always ask. “I’ve already increased my credit card payments and built my Cash Cushion. I also cut all my expenses and reduced my interest rates. Where is this extra money supposed to come from?” We know you’ve been doing all you can to reduce your debt, but now you’ve got to increase your income to really lower that debt-to-income ratio. Some people get a second, part-time job to bring in extra cash. But if you simply don’t have the time, then let’s explore other, more flexible moneymaking options.

Why Every Dollar Counts

It’s easy to think that selling old DVDs for a few bucks or getting $3 to take a survey won’t make a dent, but that’s missing the bigger picture. What if you took that survey every day this week? That’s an extra $21.

Do it for a month, and that’s $84 toward paying off your credit cards.

Take them every day for a year? That’s $1,095! Now that’s one big dent.

A little time and a lot of commitment are all it takes to earn some extra money to pay off your debt or save more for the future.

The 3 Factors of Earning More Money

Before you decide how you’ll earn extra money, ask yourself these questions.

  • Time — When are you available? What else is taking up your free time? How much time can you dedicate?
  • Resources — What will you use to make more money? Do you have skills (a talent you can teach, like piano or woodworking)? Do you have useful assets (something you can use, like a car to drive people, or odds and ends to sell online)?
  • Money — How much money are you looking to make and how often? Do you prefer lots of small chunks here and there, or a large sum over longer periods?

You don’t need to have answers for these questions right away. Just keep them in mind as you look at different money-earning ideas to find which ones are right for you.

We’ve put together some lists to help you choose between different ways of earning extra cash like selling goods and services, working extra jobs, renting things or even simply answering questions. All your options are labeled by how much time you’ll need to invest and the amount you’ll expect to earn.

15 Hours Each Month

Finding any scrap of free time to relax outside of work is hard enough. If you set aside 15 hours a month (about 30 minutes a day or less than 4 hours a week) you can start making noticeable impacts to your income and to paying off your credit cards.

Sell Unwanted Items for Extra Cash

If you want to make some extra cash, start by selling your unused electronics and unworn clothes.

The 6 Steps to Getting Cash for Your Clutter

1. Decide What to Sell

Whether they’re old jackets, TVs or your handmade pottery, the possibilities of what you can sell are endless. Never forget that some people have paid real, actual money for things like a pet rock.

2. Check the Condition

Focus on items that are in good shape. That unused coffee table in the garage is probably a better bet than your official Van Halen concert T-shirt with four holes in it.

3. Determine Where You’ll Sell

Will you sell your stuff online or face to face? It’s up to you.

Face to Face  Do you want deals done with a smile and a handshake? Try Craigslist.

Online — Do you favor anonymity and electronic payments? Try eBay, Amazon, Etsy, etc.

4. Price Your Items

Doing some quick research will make a huge difference. Find items with similar features and choose a competitive price.

5. Take Good Pictures

Use high-quality photos in your ad to increase the potential for a sale. Why, just picture all that extra money in your wallet.

6. Write a Good Description

Think about what you would want to know if you were considering buying the item. The age? The condition? The extra features?

Bad Description: Recliner, good condition, 2 years old.

Good Description: A chestnut brown La-Z-boy recliner, it was the extra chair in the den, seldom used. Well taken care of and in good condition, 2 years old.

Start Making Money With One of These Online Communities

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Gazelle

Got an old iPad still in great condition or a cracked Android forgotten in the top drawer of your desk? Gazelle gives you immediate quotes for your old electronics.

Earning range: $10 – $300

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uSell

Video games, laptops, smartphones, even textbooks. uSell posts your item, lets you pick the best offer, then ships it for you for free. Great for college students.

Earning range: $10 – $300

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Etsy

Calling all designers, artists and collectors! Etsy is an online community made up of over 30 million buyers and sellers, where you can sell handmade or vintage goods, and craft supplies.

Earning range: $10 – $300

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eBay

Good old reliable eBay. Finally, money for those too-big designer shoes, mint-condition action figures, or “signed” headshots of Tom Sellek. For more tips, check out this article.

Earning range: $10 – $300+

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Craigslist

Sell tickets to a concert, rent a room in your house or get paid for a big bag of packing peanuts. On Craigslist, you can sell anything. We love Lifehacker’s tips for selling on Craigslist.

Earning range: $10 – $300+

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Poshmark

Poshmark basically lets women shop out of your closet and provides prepaid, pre-addressed labels when you make a sale. Couture and convenience all in one place.

Earning range: $10 – $300+

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Bookscouter

If you won’t open that microeconomics textbook again after your last exam (because, really, who will?), get the most money for it by selling it to Bookscouter.

Earning range: $10 – $100

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Cardpool

Sometimes getting a gift card is awesome. Other times, you wonder what made Aunt Barbara think you wanted to spend $100 at Red Lobster (you’re allergic to shellfish). Sell gift cards you won’t use on Cardpool.

Earning range: $10 – $50

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ArtFire

Love to knit so much that your sweaters have their own sweaters? At Artfire, sell those unique creations and any other clothing, home decor and craft supplies you’ve made.

Earning range: $10 – $50

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Amazon Trade-In

With Amazon Trade-In and selling from your existing account, Amazon is a great consideration to make extra cash on old textbooks. Or almost anything else, really.

Earning range: $10 – $50

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StudySoup

Get money in exchange for your notes. StudySoup allows you to sell your study materials online, helping your fellow students keep up in their classes and earning you extra cash.

Earning range: $10 – $50

Make Spare Cash With Spare Items

Selling your possessions only gets you one-time boosts. Renting gives you continual extra income.

You can’t sell things you actually need, like the car that gets you to work or the roof over your head. But you can use them to make extra money. Your parked car or spare bedroom could be making you money right now. Think of yourself as a renter.

As a renter, you’re:

  • An Informer — To keep your renters happy, keep them well informed. Simple things, like telling them the the Wi-Fi password and where to pick up the key ahead of time, improves their experience and your reviews.
  • A Photographer — Channel your inner shutterbug and take great pictures of your rentable room, car or bike to increase the interest in, and money from, them.
  • A Provider — Providing something as simple as a basket on your bike or extra bathroom space will greatly increase your profits.
  • A Tour Guide — As a local, you have expert tips about unique, must-see sights or tasty restaurants that will elevate your renter’s stay.

Decide what and how you’ll rent below and start making more money!

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FlightCar

It feels like parking your car at airports costs as much as your flight these days. But with FlightCar, you get money for renting your car, a free parking spot and a free car wash.

Earning range: $10 – $50

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RelayRides

If you don’t use your car every day or plan on being out of town for a while, then why not make extra cash by renting it out with RelayRides? They screen the driver, and your car gets a $1 million insurance policy.

Earning range: $10 – $300

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Getaround

You can make up to an extra $10,000 a year by renting your car on Getaround. This can easily cover your yearly insurance costs and then some.

Earning range: $10 – $300+

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Spinlister

Want a unique way to make some extra money? Spinlister lets you rent out your bike, surfboard, paddleboard, skis and snowboards when you aren’t using them.

Earning range: $10 – $100

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Airbnb

If you’re going on a trip, pay for your hotel by letting someone use your apartment, house or spare rooms as a hotel. Airbnb lets you rent out your entire home or single rooms.

Earning range: $10 – $300

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Homeaway

Do you have a vacation home or are you going on a long vacation? With Homeaway, you can rent your house while you’re away from home.

Earning range: $10 – $300

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Parkingspotter

If street parking is hard to find around you (when is street parking easy to find?), and you’ve got an extra designated parking space, then try Parkingspotter. It lets you rent out your extra spot monthly or for events.

Earning range: $50 – $100

Earn Money Outside of Your 9 to 5

Freely structured part-time and second jobs are exploding. There’s no need for a set schedule to start making money in your spare time.

If you aren’t interested in renting out a bedroom or selling your stuff, but you have several hours a week that you’re ready to dedicate toward making more money, then there are plenty of alternatives for you.

The 4 Factors of Choosing Your New Income Source

  • Skills — What do you have to offer? Can you sing on key or play an instrument? Draw a picture or paint pictures with your words? Build something new or clean like you’re a large, bald man with one earring and t-shirts as white as his eyebrows? Any skill you have can start making you money.
  • Time — How much can you dedicate? How flexible does it need to be? Take stock of your free time and see how you can turn it into cash.
  • Location — Do you want to work from home, or get out into the world? How close is it to your other job? Will a commute be worth it?
  • Communication — How well do you interact with others? Do you want to work in solidarity, or continuously meet new people?

Get your perfect second job below, and start making even more money!

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Demand Media

Whether you write, edit, photograph or film, Demand Media Studios will match your talent with their resources to find assignments that are right for you.

Earning range: $10 – $300

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oDesk

oDesk provides you with connections to freelance opportunities for long and short-term projects, paying hourly or per project. They find the opportunities, and you decide if they’re right for you.

Earning range: $10 – $300

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99designs

Do you love to designing and competing? 99designs hosts design contests where you submit your design, then make money if your submission wins.

Earning range: $10 – $300

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Fiverr

Fiverr makes selling your skills easier by letting you design specific gigs in 10 different categories. Categories include voice recording, writing, design and photography.

Earning range: $10 – $300

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Freelancer

At Freelancer, you browse through and place bids on a variety of job postings. You’re paid by the project, so you choose how much you want to work and when.

Earning range: $10 – $300

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Elance

Elance allows you to browse through freelance jobs based on your expertise, plus they’ll suggest ones for you too. You simply submit proposals and find the jobs that work best for you.

Earning range: $10 – $300

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italki

Want to get paid for the languages you know? Teach them from the comfort of your own home, on your schedule, and at prices you set with italki.

Earning range: $10 – $300

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Udemy

On Udemy, create your own online course on any subject. Get paid to teach your own class on photography, happiness, health, fitness, operating systems, the flute, French — whatever you want.

Earning range: $10 – $300

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Tutor.com

Earn extra money by tutoring online in math, sciences, finance and common high school languages.

Earning range: $10 – $300

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Vayable

If you love where you live and want to share your passion for its unique art, fashion, design, food, drinks, architecture, history and/or outdoors with others, consider becoming a Vayable Insider tour guide today.

Earning range: $50 – $100

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Care.com

If you thrive on taking care of others, try Care.com. There, you’ll have the opportunity to provide child, senior or pet care for those who need it and get paid.

Earning range: $100 – $300

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Lyft

Sign up with Lyft to start driving friends and strangers alike. With completely flexible scheduling, it’s perfect for when time is short. Now get yourself a pink mustache and get paid.

Earning range: $50 – $300

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Uber

Become someone’s private driver for one ride. Uber lets you get paid for taxiing someone to their destination using your own car, and you can work whenever’s convenient for you.

Earning range: $50 – $300

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Sidecar

Sidecar gives you the most driver control out of all the most common rideshare services, letting you choose the rides you want to give, set the prices you want to charge and create a loyal relationship with the riders you like to drive.

Earning range: $50 – $300

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Alpine Access

If you love talking with and helping people, you can provide customer service for a variety of companies from the comfort of your own home with Alpine Access.

Earning range: $300+

**This job usually requires more than 15 hours/month.

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Working Solutions

Want to work from home and be your own boss? Then providing customer service through Working Solutions may be a good fit for you.

Earning range: $300+

**This job usually requires more than 15 hours/month.

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LiveOps

LiveOps promotes flexibility in choosing your schedule and working on your own terms through their virtual call center community.

Earning range: $300+

**This job usually requires more than 15 hours/month.

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JustAnswer

Are you the person people go to with questions about fixing computers, home improvement projects or medical issues? Well, now get paid for answering these questions in your free time with JustAnswer!

Earning range: $50 – $100

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Homejoy

Earn $12-$15/ hour plus tips for cleaning homes. Homejoy provides the flexibility to work when you want based on a site’s availability.

Earning range: $10 – $300

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Zaarly

If you live in one of Zaarly’s active cities, you can create a “storefront” page for your home cleaning, lawn maintenance or handyman services.

Earning range: $100 – $300

Find Odd Jobs to Make Money

Don’t want to sell your stuff, rent your rooms or drive strangers around? Don’t worry, there are more options!

Just when you thought technology couldn’t help you anymore (It brought you to Payoff! What else do you need?), it’s here to help you earn more money. We love the flexibility technology offers you. You get the freedom to choose what you do, and when and where you do it. Earning money, there’s an app for that.

Choose you favorite technological moneymaker below and never stop making money!

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TaskRabbit

Find unique opportunities to make extra money through TaskRabbit. Connect to a wide variety of jobs based on your preferences and location, including shopping and food deliveries or handyman tasks.

Earning range: $10 – $300

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Field Agent

Make extra cash when shopping and eating with Field Agent, an iPhone app that enables you to earn money by answering survey questions based on your stores and restaurants.

Earning range: $10 – $100

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EasyShift

EasyShift is an app where you make money by checking prices, seeing if products are in stock, or taking pictures of a promotional displays. Now your deal hunting can start paying off double.

Earning range: $10 – $50

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Gigwalk

If you love consistency and transparency as much as we do at Payoff, Gigwalk’s the app for you. It pays you to verify product availabilities and pricing, or verify that marketing events are done accurately and on time.

Earning range: $10 – $50

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UserTesting

Make $10 for taking 10- to 20-minute surveys and answering four questions about the usability of websites on UserTesting. Getting paid to do what comes naturally to everyone — judging things on the internet? You can’t pass that up.

Earning range: $10 – $50

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Mechanical Turk

Linked with Amazon, you can earn money through Mechanical Turk by answering a series of questions on your own schedule, from the comfort of your own home.

Earning range: $10 – $50

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MySurvey

With MySurvey, you earn airline miles and gift cards for answering questions about products and services you use every day.

Earning range: $10 – $50

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iPoll

Get paid to take surveys online at SurveyHead. You’ll earn points that can be traded in for a variety of gift cards, including some for Amazon, Paypal and CVS.

Earning range: $10 – $50

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ValuedOpinions

Want to have your voice heard and get paid for it? Then try ValuedOpinions, where you earn points for a variety of gift cards, including some for Amazon, VISA and Macy’s.

Earning range: $10 – $50

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