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11 Ways for Homebodies to Stack Cash (Without Leaving the House)

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Last updated Aug. 28, 2025 | By FinanceBuzz Editors

Feel like your bank account is draining week after week? Don't worry, we've all been there and we're here to help.

We've done our research and found some strange and unusual but legit options to help you stack your bank account without having to leave the house. Some of these will help you save. Others will help you earn some extra cash to pad your wallet right away.

The companies on this list are legit - they're all real companies that do what they say they'll do.

Let's take a look...

Turn your home’s value into extra cash

If you want to pay a large expense now, like a home improvement project or credit card debt, you may have considered using your home equity as leverage to borrow a large sum of money.

But with interest rates rising in recent years, a cash-out refinance or home equity loan may not make financial sense.

Here’s a potential solution: Get a home equity line of credit (HELOC) instead.

Using LendingTree’s simple HELOC matching tool1 (yes, the company from the commercials), you can compare rates and see what works for you.

How a home equity line of credit is different: Your line of credit acts similar to a credit card, where you can withdraw funds when you need them, and you’re only responsible for minimum monthly payments for what’s called the “draw period,” which is usually 10 years. After this borrowing period ends, you pay off the rest of your balance during an extended repayment period, which is usually 20 years.

Plus, as a revolving line of credit, rates are usually variable, so you won’t be locked into a fixed rate if they ever go lower.

To get started:

  1. Check out LendingTree’s HELOC matching tool.
  2. Answer a few questions.
  3. Be matched with personalized offers for you.

Visit LendingTree

Ask this company to pay off your credit card debt

Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.

National Debt Relief is designed specifically to help you get out of credit card debt faster, without having to make drastic life changes. With National Debt Relief, you could pay off your credit card debt (with potentially way less interest) in one simple monthly payment.2

How to get National Debt Relief to pay off your debt: Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can immediately assist you in paying off your debt, but only if you schedule the assessment.

Try it

Access up to $150 per day of your paycheck with no mandatory fees

If you need a few dollars in between paychecks, a little daily cushion can go a long way.

With the EarnIn app3 you can access up to $150 per day of your paycheck and up to $750 per pay period — and EarnIn won’t charge you any mandatory fees.

Yes, you read that correctly. You have the option to access your pay as you work and not have EarnIn charge you at all. The EarnIn app does not charge any interest or mandatory fees on a standard Cash Out.

You even have the option to access the money within minutes for a small fee.4

The best news? There is no credit check, no interest, no late fees – ever.

How to get started:

  1. Visit EarnIn and create an account.
  2. Link your bank and employment info.
  3. EarnIn will verify your paycheck and you’re all set!

Get started with EarnIn here

This plan protects select Ohio homes from many expensive appliance and home repairs (lock in your ultra-low rate)

Everyone talks about home insurance, but hardly anyone talks about this. If you live in Ohio and own your home, this company makes it so you could save $1,000s on home repairs without much work at all.

Choice Home Warranty is currently helping homeowners slash appliance repair bills. Choose a plan here and instead of paying $1,000s, you pay for a monthly plan and a simple one-time service fee per covered repair.

They’ve been around since 2008 (so you know they’re legit) and getting a monthly plan could help you tap into immense savings for nearly any system or appliance in your home that’s covered.

Not everyone is eligible for this plan so here’s how to check:

  1. Click the link below and enter your zip code.
  2. Answer a few simple questions.
  3. See if your home qualifies.

Choose a plan here and and see if you’re eligible for $50 off and 1 month free

P.S. We negotiated a special deal for FinanceBuzz readers who sign up using the link above. Use it this week to get $50 off and 1 month free. We don’t know how long it will last, so take advantage of it today before it disappears.

Protect your wealth while earning up to 3.80% APY

The closer you get to retirement, the more important it is to safeguard your retirement savings while still prioritizing growth.

With the SoFi Checking and Savings account, you can protect your hard-earned savings with up to $3 million of additional FDIC insurance5while earning up to 3.80% APY.6

Plus, you can earn up to a $300 bonus7when you open a new account and make an eligible direct deposit within the first 25 calendar days of the promotional period. Eligible direct deposits totaling $5,000 or more can unlock the $300 bonus.

With no monthly account fees,8this powerful account is a great way to protect what you’ve built while still growing your wealth.

Also, you could take advantage of a limited-time offer: +0.70% Boost on Savings APY to up to 4.50% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.9

Open your new SoFi Checking and Savings account here

Ask this company to help you pay off your late tax debt

Past-due tax debt is overwhelming.

It weighs on your mind and causes massive anxiety. You end up emotionally and physically drained. Even worse when the IRS starts sending letters threatening wage garnishment and huge fines.

Alleviate Tax is designed specifically to help you get out of tax debt faster and could reduce some of the debt you owe.

While most tax companies just put you on a payment plan and file your taxes for you, Alleviate Tax talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.

Answer a few questions to get started

Save potentially $1,000 or more on home insurance in Columbus

We have some unfortunate news: You might be throwing away $1,000s on expensive home insurance for no reason.

If you want better or more affordable home insurance, there is ONE thing you should never skip in the process of finding a policy: Getting multiple options from a variety of home insurance providers with our new home savings tool. 

Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house just by switching. And yes, you can switch your home insurance at any time starting today. 

The best part is it's free to check!  Just answer a few questions and enter your zip, email, and phone number to see if a lower rate is in your future. 

Enter your zip code to see if paying too much

Unlock up to $1,070 value over the next year with this incredible card

There's a credit card that's making waves with its amazing welcome bonus and benefits. The Discover it® Cash Back(Rates and fees) card has no annual fee, and Discover will match all the cash back you’ve earned at the end of your first year. This generous welcome offer and the top-notch cash back rewards provides an estimated $1,070 value in the first year! 10

The excellent $1,070 first-year value is estimated through the FinanceBuzz Credit Card Rewards Valuation Model based on spending, the welcome bonus, and the annual fee. The actual value will be determined by how much and in which categories you spend, but this card makes racking up valuable rewards easy! Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, you'll earn 1% cash back on all other purchases automatically. The welcome offer combined with the up to 5% cash back reward rate could be worth up to 10% cash back in the first year!

This card also offers an intro APR of 0% for 15 months on purchases and balance transfers, then APR 18.24% - 27.24% Variable. To top it all off, the Discover it® Cash Back is accepted by 99% of merchants, and there's no annual fee.

Click here to apply now for the Discover it® Cash Back.

Ohio Driver? Cancel your car insurance

Driving without car insurance is illegal, but if you do this, you’re not actually breaking the law.

This tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $159 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.

I used this tool and now I’m able to pay just $47 a month for two cars.11Too many insurance companies do this. They push up our rates and make us pay even more. But if you want to try this tool and compare and potentially score same-day savings, here’s what to do:

  1. Click the link below and enter your zip code, date of birth, and phone number.
  2. Answer a few questions about your car’s make and model to get matched with top offers.
  3. Choose the best quote for you and lock it in before rates go up.

Compare rates now and see if you could score same-day savings today!

I can hardly believe I waited so long to do this, but I’m glad I finally did. It only took me two minutes. Super fast. You have to trust me on this. Just try it out.

BONUS: Save as much as 80% on weight loss meds

If you’re finally ready to lose weight, FDA-approved GLP-1s — like Semaglutide & Tirzepatide — burn fat fast. And this company we found called MyStart gets them to you 80% cheaper!

It might sound crazy, but MyStart operates on a cash-only basis and does not accept insurance. This is how they’re able to provide up to 80% off the typical cost of weight-loss medications like Ozempic and Zepbound. (You can pay via credit cards, including Visa and Mastercard.)

Skip the surgeries, diets, and expensive costs of weight loss. Get real results with GLP-1s at 80% less than name brands! Plus, get access to U.S.-based doctors 24/7 when you go through MyStart. No insurance is required and there are no hidden fees.

Dr. Ritu Chopra (from the show "The Doctors") says this is the future of weight loss. Join now before prices go up! You could qualify in 5-minutes or less.

Take the quiz to get up to 80% off weight loss medications starting at $180/month ($6/day)

P.S. For limited time you can take $120 off + get free shipping on your first order, making your first shipment just $60!