If you're a busy person but still want to make some extra cash, you've come to the right place. While some side hustles can cost you precious downtime, these easy money-making ideas can work with even the most hectic schedules. Keep scrolling to the ones best for you!
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 <p>LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, NMLS Unique Identifier #1136. LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree, LLC in NY. LendingTree technology and processes are patented under U.S. Patent Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and 5,758,328. © 2024 LendingTree, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Terms and Conditions may apply. </p> (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:
- Check out LendingTree’s HELOC matching tool.
- Answer a few questions.
- Be matched with personalized offers for you.
Earn potentially $1,000s in basically passive income by opening this account ASAP
You can turn your existing money into even more money by basically doing nothing. Yes, it sounds insane. But it’s true — and it all depends on how early in life you open a high yield savings account.
The American Express® High Yield Savings account offers a rare 3.50% annual percentage yield (APY)2 <p>The Annual Percentage Yield (APY) as advertised is accurate as of July 23, 2025. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. </p> — compared to the national average APY of 0.42% (as of May 19, 2025). This could be worth hundreds, even thousands of dollars in passive income.
Let’s say you put $50,000 into a high yield account with a 3.50% APY at age 30. Then, you contribute $5,000 a year, every year, until age 50. At that rate with interest compounding daily, you’d walk away with $204,564! But ... if you start at age 45, you’d only have $86,407.3 <p>For illustrative purposes only. Interest rate and APY may change after initial deposit.</p> This is all thanks to compound interest — the earlier in life you start putting money into this type of account, the more you can earn over time.
Open an account today — the sooner, the better. There are NO fees, and you can withdraw your money whenever you need it. Plus, you can rest assured that your funds are fully backed by the service and reliability of American Express, Member FDIC. Terms Apply.
Click here to open an American Express High Yield Savings account
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! 4 <p class="">These values are based on the <a href="https://financebuzz.com/financebuzz-credit-card-valuation">FinanceBuzz Credit Card Rewards Valuation Model</a>, which takes a look at rewards earned via spending, the welcome offer, and the annual fee. We used a valuation of 1 cent/point unless otherwise stated above. These are estimated values - your actual earnings will depend on how much you spend and in what categories.<br></p>
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 17.99% - 26.99% Variable. To top it all off, the Discover it® Cash Back is accepted by 99% of merchants (according to the February 2025 issue of the Nilson Report), and there's no annual fee.
Alert: American adults lost $47 billion to scams and fraud in 2024
That's right. According to a new report, American adults lost $47 billion to scams and identity fraud in 2024.
But you can safeguard your data with all-in-one scam and fraud protection services from OmniWatch, which comes with up to $2,000,000.00 in identity theft insurance,5 <p>Restrictions and exclusions apply, <a href="https://app.omniwatch.com/insurance-disclosure">click here to read full details of insurance coverage</a>. Residents of New York receive $1 million of coverage and are not eligible for ransomware or scam protection coverage. <a href="https://app.omniwatch.com/insurance-disclosure-ny">Click here for New York insurance summary</a>.</p> to cover eligible losses and fees should you experience them.
Plans start at $10 per month and can include comprehensive protection like 24/7 monitoring and alerts, dark web scanning to identify breached personal data (like your SSN and banking info), antivirus and VPN apps for device security, and expert restoration services at no extra cost.
Before you make your next online purchase, protect what you’ve built for a fraction of what it could cost you if your data were compromised.
Set up direct deposit - pocket $300
If you aren't banking with SoFi®, you're missing out on a huge boost of extra cash just by following a few simple steps.
Earn a bonus of $50 or $3006 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> when you open a SoFi Checking and Savings account and make an eligible direct deposit within the first 25 calendar days of the promotional period. Eligible direct deposits totaling $1,000-$4,999 unlock the $50 bonus, and $5,000 or more unlock the $300 bonus.6 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> Easy.
This is practically passive income and a great way to supercharge your earnings. It basically takes no extra work at all other than following the steps above. Plus, your new account could earn up to an insane 4.50% APY7 <p>Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 9/3/25. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> on savings (3.80% APY standard + 0.70% APY boost for six months) on top of the bonus.
Access your home equity to cover debt — no monthly payments for 10 years
Struggling with debt? If you want to utilize your home equity to help pay it down, you’re probably frustrated right now. The strict qualifications of the traditional financial system have left many unable to.
But there’s another option you may not have heard of, a home equity agreement (HEA) from Unlock.
With Unlock, you could tap into up to $500,000 of your home equity and make no payments for ten years.
Unlike a home equity loan, HELOC, cash-out refinance, or reverse mortgage, an Unlock HEA gives you cash today in exchange for a share of your home’s future value:
- Access up to $500,000 of your home’s equity.
- No monthly payments for 10 years
- Not subject to traditional interest rates.
- Recommended credit score: 600+.
You can verify your property value and equity in 60 seconds — and with no impact on your credit score: Start by entering your property address here.
And don’t worry — Unlock has an A+ rating from the BBB. So see what you’re eligible for, and you could have the funds you need to end your toxic debt loop sooner than you think.
See if your credit card debt is eligible for this debt relief program
If you have a lot of credit card debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to resolve your debt once and for all?
ClearOne Advantage can help.8 <p>ClearOne Advantage, LLC is a debt settlement company, not a lender, loan broker, creditor, credit services organization, or debt collector. ClearOne Advantage, LLC does not assume or pay any debts; receive, hold or control funds belonging to consumers; or provide bankruptcy, legal, accounting or tax advice. You should review full program terms and conditions before enrolling. To the extent that any aspect of the debt settlement services relies on or results in the consumer’s failure to make timely payments to the consumer’s creditors or debt collectors, the use of the debt settlement services: (1) Will likely adversely affect the consumer’s creditworthiness; (2) May result in the consumer being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money the consumer owes due to the accrual of fees and interest by creditors or debt collectors. Not available in all states. Some third-party fees may apply. C.P.D. Reg. No. T.S. 12-03822.</p> If you have more than $30,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives may be able to help you resolve your debt for less than you owe — with one low monthly program payment.
Best of all? There are zero upfront fees, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions and get connected with a caring representative. The consultation is completely free and only takes a few minutes to see if you qualify!
See if your $30k+ in credit card debt is eligible for ClearOne Advantage
Save Instantly with Cash App Card: Save at places you already shop — in stores and online, and unlock access to exclusive events, presales, and more.
Get your free9 <p>Free Cash App Cards come in black or white.</p> Cash App Card. Choose a card style, then customize it with exclusive stamps, emojis, or even draw on it.
Get exclusive perks and instant discounts on everyday spending in person and online.
Say goodbye to hidden fees and overdraft fees.10 <p>No fee overdraft coverage of up to $200. Overdraft coverage and additional Cash App provided benefits are available when you direct deposit at least $300 each month.</p>
Cash App has 4.8/stars and is an Editor's Choice on the App Store!
Don’t pay a CENT to contractors for home repairs until you do this
Sounds crazy. And maybe you’re not even sure if this is real. But … you’re probably curious anyway. Choice Home Warranty makes it so you might be able to save $100s in home repairs!
They’ve been around since 2008 (so you know they’re legit) and they offer affordable plans to cover appliances and systems in your home that could break down from routine wear and tear.
Think of it like this: Say your air conditioning unit breaks down during a heatwave. Instead of paying $1,500 for repairs, you may only need to pay a $100 service fee with Choice Home Warranty, and their techs come and fix it ASAP. This could save you $1,400 almost instantly!
Choose a plan here and you can still lock in their ultra-low 2025 rates (for a limited time). Then, whenever a covered system in your home breaks down, all you have to do is make your claim online or give them a call. Their team is available 24 hours a day, 7 days a week.11 <p>CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW's actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance. In the event that CHW makes such payment, CHW will provide written notification of the basis for the amount of the payment. First Month Free with purchase of any single payment home warranty plan. The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.</p>
Choose a plan from Choice Home Warranty here and lock in 2025 rates
P.S. Use the links above and you’ll get $50 off and 1 month free. We don’t know how long this will last, so take advantage of it today before it disappears.
Pay no interest on balance transfers until 2027
Imagine getting an intro 0% APR for 21 months from date of account opening on balance transfers (APR then 16.99% - 27.74% (Variable)). Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Citi® Diamond Preferred® Card.
If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 21 months from date of account opening, then a 16.99% - 27.74% (Variable) APR (balance transfers must be completed within 4 months of account opening). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!
It doesn't just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 12 months from date of account opening on purchases. After the intro period for purchases and balance transfers, the APR is 16.99% - 27.74% (Variable).
The best part? There's no annual fee with the Citi® Diamond Preferred® Card(Rates and fees).
Click here to Apply Now to the Citi® Diamond Preferred® Card
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 Insurify and now I’m able to pay just $51 a month for two cars.12 <p>Actual savings and coverage options vary based on factors such as driving history, location, and insurer policies. The rates shown in this example may not reflect what every user will qualify for.</p> Too 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:
- Click the link below and enter your zip code, date of birth, and phone number.
- Answer a few questions about your car’s make and model to get matched with top offers.
- 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.
Get up to $500,000 from your home equity with NO additional monthly payments
If you want cash from your home’s equity but don’t want a HELOC, hear me out. This company we found is doing something amazing. They let you access your equity without additional monthly payments.
It’s called Splitero and they give you cash today for a share of your home's future value. It’s a Home Equity Investment (HEI) not a HELOC. There’s no monthly payments, and NO income requirements.
Instead, you repurchase your investment with a portion of your home’s future value when you sell, refinance, or reach the end of the agreement. That means you keep your existing low-rate mortgage and access cash now!
You might be eligible if you check these 4 boxes:
- You own your home.
- You’ve built some equity.
- Your credit score is 600+.
- You can provide documents like your mortgage statement, ID, and proof of equity.
Enter your home address here to pre-qualify in less than 2 minutes