Free Money Hacks For Everyone

Who said there was no such thing as free money? That person should be shot and tried in the highest court for slander and liable! Here you will find some of the easiest ways to make money that can start right away.

Unfortunately, you won’t be able to give up your day job with these hacks, but they will certainly help contribute to your annual holiday or in my case, bi-monthly beard trim!

Swagbucks

Swagbucks is considered to be one of the most popular online rewards programs that pay you cash and gift cards for completing everyday tasks you already do! It really doesn’t get much easier than that.

The process is simple; you sign up and earn points for shopping at your favorite retailers, watching videos, answering surveys, and surfing the web. Then you can convert your accumulated points into gift cards or cash out directly with PayPal.

Swagbucks has already paid out over £293,311,996 in cash and free gift cards since it was founded! That’s a lot of free money!

You can signup for free and earn a $5 welcome bonus straight away! This is one of my all-time favorite free money hacks. And the platform has so many ways to earn that you can quickly start racking up the points and begin earning your free cash!

MyPoints

MyPoints is one of the best shopping rewards apps and makes it easy to get your hands on free money. Firstly, there is an awesome $10 welcome bonus for simply joining! Secondly, they have partnered with over 2000 top retailers so you can earn points on every dollar you spend.

You can also boost your earnings by completing surveys and sharing your opinions and buying habits with leading brands and merchants.

You know you can trust your information with MyPoints as it’s one of the oldest cashback sites dating back to 1996. You can also combine the usage of MyPoints with a number of upcoming rewards memberships — a great way to multiply your rewards and maximize your earnings.

Ibotta

Ibotta is easy cashback at its simplest! You can download the free browser extension and mobile app when you open your free account. You then simply shop for your everyday items at your usual haunts and earn cashback every time.

The reason Ibotta is so useful is that you can earn your cashback both online and in person. It does seem that the brick-and-mortar retailers tend to be less lucrative in terms of deals and rewards — but with the Ibotta mobile app, you’ll never be leaving cashback on the table ever again (unless you forget your cellphone).

Other awesome features include linking your loyalty card accounts, receipt submission, and nearby store alerts — so you never miss a lucrative cashback opportunity.

Ibotta was founded in 2012 and has since paid out over $860 million in cash rewards to more than 35 million users!

You can also earn up to $20 in Welcome Bonuses as soon as you join. That’s ‘free money hacking’ at its best!

Earnin has also introduced some awesome new features, including:

• Balance Sheild — Helping you monitor your bank account balance and preventing you from going into that dreaded overdraft.
• Tip Yourself — A really fun way of saving money and reaching your savings goals.
• Cashback Rewards — Where you can earn up to 10% cashback at your favorite stores and restaurants and have the money wired directly into your bank account.

This truly is free money in its greatest form — giving you the ability to access the cash you have already earned from employment free of charge!

Sell Your Pictures

Did you know in the United States the average person takes an incredible 20.2 pictures per day? That’s a lot of photos. But did you know it’s also possible to easily monetize this obsession with photography?

Shutterstock is one of the largest and most trusted online photo submission platforms in the world — and to date has paid out over $1billion!

Shutterstock is a stock photo website used by online marketers, bloggers, big businesses, and creatives alike, and the demand for new photos is relentless! This means you can get a piece of the action by downloading the app and uploading your snaps!

They pay between 15% and 40% per photo and if your picture takes off the earnings can keep on coming for months or even years! Once you’ve taken the picture and uploaded it the rest is basically just free money!

Free Money When You Shop

The simple truth is that we all need to shop! Even the most ‘anti-capitalist’ amongst us require food, fresh underwear, toothpaste, and dare I say it, the occasional Starbucks!

And so one of the best ways to get free money is to ensure you receive maximum value for the things you are already buying! When you shop if you’re not utilizing cashback and discounts then you’re leaving money on the table!

The corporate world now operates in a society in which proactive discount hunters are rewarded, so take the time to ensure you’re getting a slice of that sweet “free money” pie!

Honey

Honey is one of my favorite discoveries since finding out I could connect my Apple Air Pods to my Samsung Smart TV (game changer). The free Honey browser extension is many things, but automatically saving you money when you shop online is what it’s known for.

And boy does it know how to do that!

Instead of searching the web aimlessly for discount codes and coupons that actually work, Honey does it all for you and on autopilot. Just shop as you normally would and when you get to the checkout, if there is a working discount Honey will automatically add it for you.

Honey has a feast of other impressive features such as Droplist — which alerts you when items you’ve had your eye on drop in price and Honey Gold — which is their gift card giving loyalty program.

The Honey program has over 30,000 participating merchants and gets its users an average discount of 17.9% — which translates to over $100 in average annual savings!

Drop

Drop automatically rewards you for shopping at the brands you love — so it’s no wonder over 3 million people actively use the money-saving app!

Once downloaded, simply shop as normal directly through the app and your points will start to quickly add up. And what makes the whole process effortless is the card linking feature!

Once you have the app installed you can safely and securely link your bank card details and let the app work its magic in the background. You can also pick your 5 favorite brands for more curated and specific offers — so make sure you pick places you shop at regularly to maximize the free money rewards.

After accumulating points (and this will happen fast) you can begin to exchange them for gift cards at various retailers. And to make it simple, 5000 points get you $5!

TopCashBack

TopCashBack is one of the oldest and most trusted cashback providers and currently has over 15 million members. You can join for free and save hundreds of dollars each year from over 4400 online retailers.

Remember, saving money you would have otherwise spent is technically free money! That’s why discount shopping and cashback purchasing are such powerful tools, and one every savvy shopper should have in their arsenal.

Payment is made either directly to your bank account, via PayPal, or through gift cards. And with the average member earning $345 cashback each year — you can see why it’s so popular!

ShopAtHome (Now Tada)

For starters, ShopAtHome has a $10 welcome bonus if you join today! The free money is already starting to rack up, hey! ShopAtHome gives you cashback when you shop at your favorite everyday stores, and they have some really nice partners that I’m sure you use frequently.

And that’s the key to these cashback providers, ensuring you’re getting money back from places you would normally go to anyway! Some of the brands they work with include Expedia, Amazon, Walmart, BestBuy, and Groupon.

You can claim your free money either by check, PayPal or from over 80 gift card options.

Dosh

I’ll start by saying Dosh is genius! It makes cashback effortless and effective all wrapped up neatly in one beautiful app.

The guys at Dosh have created one of the fastest-growing card-linked offer platforms that automatically gives you free money whenever you shop, eat, or book hotels. You simply link your card and whenever you swipe you’ll earn cashback from over 10,000 eligible retail locations. Free money doesn’t get easier than that!

Once you’ve accumulated $25 then you can transfer it to your bank, Venmo or PayPal, or even donate your cashback to charity.

Refund Money Hacks

Sometimes even when you’ve paid full price for an item it doesn’t necessarily mean it’s game over — there is a chance you could get a refund! And in a way that’s the best sort of free money going — retrospective money hacking is a wonderful thing!

Earny

Earny can save you money in more ways than one — and is free to install on the Chrome browser. Firstly, you can earn up to 20% cashback when you shop online at your favorite stores.

Secondly, you can link your Amazon account and get 24/7 price tracking and price drop alerts on Amazon items saved to your wish list. This makes getting the best prices effortless and efficient.

Finally, you can get money back on your late Amazon deliveries — Earny will let you know if your Amazon packages are late so that you can request compensation.

This is a must-have for money lovers everywhere — and with over $1m+ monthly savings found it’s a no-brainer!

Rakuten Slice

If you’re anything like me then keeping hold of receipts is a real bugbear! And for someone who considers themselves pretty savvy with saving money — having easy access to your receipts is a real must.

That’s just one of the reasons I love Rakuten Slice — it helps you easily find receipts via the app for returns and work-related expenses. No more digging through your wallet or inbox!

But it gets better still!

With this genius app, you can automatically track a package number in your email whenever you buy something. And, if the price drops after you’ve made a purchase it will let you know and help you get a refund.

Slice: It’s Shopping Smarter

Keep hold of your receipts in a single location and get free money if you overpay for something — pretty cool!

Paribus

Paribus is free to download and helps find out if stores owe you a refund — completely effortlessly! All you have to do is shop as you normally would and let Paribus check your confirmation emails to identify price changes.

If it picks one up and identifies potential savings, it will let you know and help you get your money back.

They track purchases from over 25 major retailers and have saved over $29 million for its users to date.

Sift Wallet

To quote the Sift Wallet website — they help you to find free money automagically.

Sift Wallet is a powerful money-saving app and was actually voted the best daily helper app in 2018! They take your personal information seriously as well and use bank-level security with 256-bit SSL encryption.

Sift Wallet will automatically track price drops for all your online purchases and even send you alerts on your Amazon Wishlist items.

They also do something really neat when it comes to unused subscriptions — because if you pay for a service you no longer use then free money awaits you! The Sift Wallet app will automatically identify new and upcoming subscriptions so you can keep track and never overspend again!

Finally, when it comes to credit cards the Sift Wallet team really knows what they’re doing. All your credit card policies are automatically combed through to show all your benefits in one place. And, it can even help you save thousands on your credit card debt.

Save Money On Your Bills

Sometimes free money can be a real pain in the ass to come by! As consumers, we are constantly bombarded with special offers, discounts, and product promotions. But what we fail to closely monitor is the things we have to pay for on a monthly basis — and therefore can quite easily allow for ‘higher prices’ to slip through the net and evade our watchful eyes.

This list below is quite special in that a lot of the hard work is done for you — so getting free money back from your monthly outgoing bills has never been easier.

Trim

When it comes to bills, wouldn’t it be nice to have your very own personal assistant to do all the negotiations for you? It sure could save you a lot of money — which at the end of the day is what free money hacks are all about.

Well, Trim is ready to save you up to $645 per year on autopilot and you can see how it works with a 14-day free trial — sometimes you have to spend money to save money!

Trim analyzes your spending patterns and finds ways that can save you money. It will negotiate cable, internet, phone, and medical bills, and also cancels old subscriptions for you.

You can also earn extra free money with the Trim high-yield savings account and get a 4% annualized bonus on your first $2,000 — perfect for that emergency fund you’ve been meaning to start.

Finally, Trim only takes a cut if they save you money, and at only 33% of your total yearly savings, you can’t lose!

Tally

Tally is the app that can help pay your cards for you and save you money on interest. The average lifetime savings for its users is a whopping $5,300. Debt can get expensive, and anyway you can reduce it essentially means free money — and that’s why the world’s first automated debt manager Tally is so powerful.

If you have debt spread across multiple high-interest credit cards then this is a money-saving hack you will definitely want. Tally combines the debt from all your cards into a single monthly payment at a lower interest rate. The money you save is yours to keep!

You will need a FICO score of 660 or higher to qualify, but as long as you have that then you’re golden! And it doesn’t matter how many cards you have, Tally will combine them all into one single monthly repayment at a much lower interest rate — thus saving you a small fortune every single month.

Never suffer from high APRs or late fees ever again, and enjoy being debt-free soon.

Truebill

Managing your finances doesn’t need to be difficult, and Truebill makes it easy to optimize your spending, manage subscriptions, lower your bills, and stay on top of your financial goals.

You can see your cash, credit, and investment balances all in one place and keep track of your upcoming bills and monthly spending goals.

Incredibly, 84% of people have subscriptions that they have simply forgotten about, and Trim will help you find them and cancel! Just think how much free money you could be throwing away each month!

Truebill also handles all your negotiations for your cell phone, cable, security, and other bills — they even sort out refunds for you when your internet goes kaput!

Banking And Finance Free Money Hacks

This wouldn’t be much of a personal finance blog if we didn’t cover some epic free money hacks from the industry. The world of finance can be lucrative and rewarding but also dangerous if you’re not savvy with your money.

Even in the ‘high stakes’ arena of personal finance, there is free money to be made, you just need to know the right places to look. And remember, like with all of these hacks, make sure you actually need to use the service and will find some benefit from what it provides.

Axos Bank

Axos Bank is completely digital and offers some of the world’s highest levels of security and privacy. They also provide a comprehensive range of products and services — meaning you can make some great rates of interest on your savings and pay less in fees!

Nothing quite beats completely free money, and that’s exactly what you get as a new customer when you open an Essential Checking Bank Account. If you use the code EXECTRAS50 when you open the account you’ll receive a $50 cash bonus.

And not only that, the account comes with zero monthly fees, unlimited ATM fee reimbursements, early direct deposit, and referral bonuses when you invite friends.

CIT Bank

Earning interest on your savings is one of the oldest ways to earn free money. The rates of interest which you can earn will vary over time according to economic factors and world events. But it’s always a smart money move to keep a portion of your wealth (however small) in a safe place — and let your money work for you.

CIT Bank offers a Savings Builder account — and because they are an online-only bank they can offer some really competitive rates of interest.

You can get started with $100 to open an account, and if you deposit a minimum of $100 per month you get access to their highest rates of interest.

They are also a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposit accounts are insured for up to $250,000 per depositor. Safe and sound!

Webull Free Stock

Webull is an investment trading platform that has 0 Commissions and no deposit minimums. They have a comprehensive suite of investment products including stocks, options, ETFs, and ADRs.

You can open an individual brokerage account that allows you to buy and sell securities and assets or save for retirement with Webull Traditional, Roth, or Rollover IRA. They are registered with and regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA) so you know your money is in safe hands.

But the best part is, if you successfully open a Webull brokerage account you will receive 2 free stocks valued between $2.50 — $250. If you then go on to fund your account with just $100 minimum you will then go on to receive an additional 2 free stocks valued between $8 — $1600.

Stock allocation is completely random and given out via a lottery system, but either way, if you open an account you are guaranteed 2 free stocks, and if you fund it, 4 stocks!

You can also earn more free stocks for every successful person you refer, with each referral stock valued between $8 — $1600.

Coinbase

Cryptocurrencies have been popular for a couple of years now. In fact, the popularity of cryptocurrency has been increasing steadily. In the last year alone, the market capitalization of cryptocurrency has increased from about $25 billion to over $500 billion.

Apart from the value, the other thing that has been going up is the number of cryptocurrency investors. In a survey, The Cambridge group found that 86% of the people they surveyed were planning to invest in cryptocurrency.

Coinbase is a digital wallet and platform where merchants and consumers can transact with bitcoin. It is also a fiat-to-bitcoin exchange and, by extension, provides the ability to exchange bitcoin for other cryptocurrencies. It has over 20 million wallet users around the world, including 500,000 merchants who are able to accept bitcoin as payment.

The platform also offers an ‘Earn crypto while learning about crypto‘ feature, where you can get free crypto in the form of varying tokens. All you need to do is watch some educational videos about new cryptos and take a quiz. You’ll receive crypto in your Coinbase wallet for every quiz you complete.

Personal Capital

Have you ever heard the saying “money goes to money“?

Well, Personal Capital is a wealth management solution that can identify and alert you to money-making opportunities so you can act on them.

They offer investment services that can help you build a more tax-efficient portfolio and even give you insights into your cash flow, spending, and budgeting.

For higher net-worth individuals this is definitely a service you’ll be happy paying the all-inclusive annual management fee for!

Cushion

Bank and credit card fees are the scourge of the modern world — but what if there was a way to get them back? Well, that indeed would certainly be free money back in your wallet.

Cushion automatically scans and gets your fees refunded, automatically. And you get to keep 100% of your refunds. They support all 15,000 US Banks and Credit Unions and operate 24/7 fee scanning — so if there is free money to be had, Cushion will find it.

Using Cushion will not harm your credit score, and when you get late fees waived, it can actually improve it in some cases.

This is a no-brainer if you’re one for racking up charges and Cushion has already clawed back over $4,000,000 in refunds so far!

Mint

Have you ever heard the saying ‘squeeze the budget’?

Free money comes in many different disguises, but when you find it within your pre-existing budget, it’s even sweeter. That’s why it’s so important to be on top of your money and in control of your personal finances.

Mint helps you effortlessly manage your finances all in one place, and it’s free.

You can easily create budgets, see recommended suggestions based on your spending, and check your free credit score as many times as you like — while getting tips on how to improve it.

Sometimes the free money is hiding away in plain sight, you just need to get organized, and Mint can help you do exactly that!

Splash Financial

Student loans are unfortunately a necessary evil — I know, I’m still paying mine off! But if you’re paying high rates of interest spread across multiple loans, you could be a few simple clicks away from some easy free money!

Student loan debt consolidation with refinancing is a simple solution to lower interest rate payments and secure one single monthly payment. Splash Financial is the go-to place for saving money on student loans and they are working tirelessly during these unprecedented times to bring you historically low rates which you can lock in today!

Checking rates online will not affect your credit score and there are no refinancing fees or pre-payment penalties.

There you have it, an epic list of free money hacks! There are a number of exciting opportunities to make money online, at home, on your phone, and in places, you may never have thought to look.

I would suggest making your way through the list at your own pace because some hacks are easier to execute than others. There is over $10,000 worth of potential free money contained within this article — possibly more — all you need to do is act!