If you’re looking to build up your budget post-holidays and you have a gamer in your life, Swagbucks (the online rewards site that puts cash back in your wallet) has an AMAZING offer through Gamefly where you get 2000 SB (which is the equivalent of $20 in gift cards) for signing up.
Gamefly allows you to rent games for lots of different consoles including Xbox 360, Xbox One, Wii, PS3, PS4, etc, with no late fees ever. Members can also play 100’s of PC games for free! You can try it out for 2 months at a price of $10 AND get 2000 SB by using this link!
Haven’t tried Swagbucks yet? This is a great way to do it, and when you sign up through the link above and get your 2000 SB, you’ll get a bonus 300 SB at the beginning of February. So that’s $10 for trying Gamefly, which gets you 2300 SB, which means you make $13 off the deal!
Swagbucks is hosting another round of Shopping Swago! What is SWAGO you ask? It’s a bingo-inspired promotion run by Swagbucks, a website that rewards you with points (called SB) for completing everyday online activities. You can redeem those SB for free gift cards. If you’ve never used Swagbucks, participating in SWAGO is a great introduction to the site and an easy way to earn a good amount of points quickly. Now that the holidays are over and you bought presents for everyone else, why not treat yourself to some online shopping and earn cash back while you’re at it?
Here’s what you need to know to get your 200 SB ($2) Bonus (and don’t worry, you don’t have to make a purchase to complete a pattern):
Shop Swago will begin on Monday, January 9th at 9am PDT/12pm EDT, make sure you hit “Join” otherwise you won’t get credit for completing the action items. Each square on your Swago Board will contain an action item to complete.
Once you complete the action item in a particular square the square will change color signifying the action item is complete.
You have a limited amount of time to mark off as many squares as possible so use your time wisely.
Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value.
Once you’ve achieved a pattern the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
The game ends Thursday, January 12th at 12pm PDT/3pm EDT. So make sure to hit “Submit” on the pattern you wish to submit. If you don’t hit “Submit” before the game ends you won’t receive your SB bonus.
Now that the holidays are over, a lot of us have gone into savings mode again as we rebuild our bank accounts from all that gift buying! Some of us have already started saving for the 2017 holidays! If you’re looking to extend your budget or just say within it, Swagbucks is a great resource for that.
You’ve probably seen me write about Swagbucks a lot on here. It’s a site where you earn points (called SB) for things you’re probably doing online already, like searching, watching videos, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Starbucks, Walmart, Target, or PayPal cash.
2. Earn 300 SB total before 2/1/17. You’ll get a $3 (300 SB) bonus for it!
3. If you spend at least $25 through Swagbucks Shop* you’ll get another $2 (200 SB) bonus on top of the cash back you’ll get from shopping. If you have some shopping to do online, just go to Swagbucks first and visit the store through them. It doesn’t cost you anything extra, but you’ll get SB points for every dollar you spend (on top of the bonus)!
That’s it. It’s super easy, and Swagbucks is for real. I use it myself, and I’ve earned more than $1,300 overall (more than $450 just last year). I’ve been using my SBs for PayPal cash that I then use to build up my investments and dividend income for the past year and a half. I’ve also used them for gift cards on Amazon and Wal-Mart in the past. Swagbucks is a great way to supplement your income.
*You must receive your shopping SB before March 1st
One of my favorite things about using Swagbucks is that I can get rewards for searching the web through their search engine. Every now and then they have “Collector’s Bills” worth bonus SB points that you can collect by simply searching the web. Collect them all, and you get an SB Bonus! Once you’ve collected enough SB, you can redeem them for gift cards to stores like Walmart, Target, and many more!
Here’s all the information for this week’s Snow Much Fun Collector’s Bills:
Search the webthrough the Swagbucks search startingMonday, January2nd throughSunday, January 8th, and when you get a search win, you may get a special Collector’s Bill valued at either:
When you get a Collector’s Bill you’ll receive the value of the bill and the bill will be added to your “Collector’s Bills” ledger. Collect all 6 Collector’s Bills and you’ll instantly earn a20 SB Bonus!
Now that the holidays are in full gear, a lot of people are already getting started on decorating their homes for the season. If you’re in that same boat, you can get great deals and cash back for shopping through Swagbucks! Just go here and see all of the great cash back you can get from some of your favorite stores. Here’s how it works:
1. Click here to see the stores offering deals and cash back.
2. Click through to the store(s) of your choice and do some shopping!
3. Get cash back in the form of points (called SB) that you can redeem for free gift cards so you can stretch your holiday (and decorating) budget even further!
As an extra bonus, if you’re not a Swagbucks member and join through my link (or you’ve joined through my link this month), you’ll get an one time 200 SB bonus when you spend $25 or more in any of the Swagbucks Shop stores before December 1st! Swagbucks is a great site where you earn SB points for doing every day things online like shopping, discovering deals, taking surveys, watching videos, searching the web, and more. The SB you earn, the more gift cards you can get, which are a HUGE help this time of year.
I’ve personally been able to earn more than $1,000 through Swagbucks. You can use the Swagbucks that you earn for PayPal cash, Amazon gift cards, or gift cards to a number of retailers or travel providers. I highly recommend this method of earning money in pajamas.
Debt is NOT cool. It can strangle the life out of people. It basically makes you a slave to your lender. Staying out of unnecessary debt is one of the most important steps to take toward financial freedom, because debt brings interest payments that hurt your cash flow. If you pay cash for the things you buy (or pay off the credit card bill in full each month), you’re automatically saving any interest you would have paid had you gone into debt.
Some debts are better than others. For example, a home mortgage can be a “good” debt because buying a home on credit with a mortgage can actually cost less on a monthly basis than renting in many markets. Every dollar that you pay toward the principle of the home loan will also build up your equity, which is a major component of net worth. Student loans can be a “not-quite-so-bad” debt, as long as it is manageable because a degree can lead to higher earnings over time. Most other debt is pretty crummy because it forces you to pay more than you would normally pay for the items you buy on credit.
Christmas Debt Is Super Not Cool
One of the absolute worst sources for major debt is Christmas debt. Christmas doesn’t really sneak up on people. It shows up at the same time every single year. It’s always on December 25, year in and year out. It should not be a shock. Americans (and people of other nationalities who celebrate Christmas) tend to spend lots and lots of money at this particular time of the year for just about anyone that they come into contact with. Of course, this is a slight exaggeration, but the average person who goes into debt for Christmas presents takes until April until the debt is paid off. Instead of paying the retailer for the full price of these presents, lots of Americans tend to also pay a nice little chunk to a bank for the privilege of using the bank’s money for the presents. The bad thing about Christmas debt is the fact that many kids will play with the boxes and other wrapping for as long as they do the toys that are within the packages.
Avoiding Christmas Debt With Online Earnings
One of the major purposes of this site is to get people (AKA you) to think about ways to increase your earnings so that your financial situation will be a bit less constrained outside of self discipline. One of the benefits of earning more money is more flexibility. Earning extra money before Christmas should allow you to pay off the bill for presents before the credit card comes due, which is a good thing. If you have any left over after buying for everyone on your Christmas list who’s avoided getting on Santa’s naughty list, that’s a great thing.
The first step in avoiding Christmas debt through online earnings is setting up some goals for actually earning the money. This will require investigating some of the leading places for making money online. If you’re just a few weeks from Christmas, sites that allow for instant or near-instant redemption of funds would be preferable. If you have longer, you can also start looking into sites that pay once a month to maximize your earnings. Here are some of the top options that can allow you to earn some money for Christmas (and all year ’round, for that matter).
The second step in avoiding Christmas debt with online earnings is actually signing up for some sites that allow you to make some money pretty easily. Here are some sites that I’ve used to some success over the past few years. I’ve even earned more than $1,000 on a couple of them in my free time, much of it while I’m watching TV in my recliner.
My favorite site is Swagbucks. There are several options to earn money pretty quickly here, and you can cash out when you get up to 450 Swagbucks for a $5 Amazon.com gift card. I usually save up for a $25 redemption in PayPal cash. You can read my review of Swagbucks here. I’ve earned more than $1,000 from this site. Kids as young as 13 can start earning money on Swagbucks.
I’ve also been using a site by the name of Clixsense recently. I’ve already redeemed three times, and you can earn money pretty quickly by just clicking on links and viewing the website for 15 or 30 seconds. I actually view the TV while I’m clicking. I’ve not reviewed the site on this blog yet, but I can say that it definitely pays. The first payout has to be by check and reach $10, but subsequent payments can go on PayPal after reaching $8 and take only 2-5 business days to go through. You can sign up for Clixsense here. You have to be 16 years of age to set up a Clixsense account.
I’ve earned more than $1,000 from CashCrate. This is one of the oldest websites that allows users to complete various tasks. This one only pays out once at the beginning of the month and requires $20 in earnings. I’ve done a more in-depth review of CashCrate here. One guy that I’ve seen on another site has earned nearly $160,000 from CashCrate, but that would take lots and lots of referral income. A few bucks here and there each month is more likely.
Some people will complain that it takes quite a bit of time to earn much money. However, it’s important to remember that there are costs associated with going to a day (or evening job) that quickly cut down on your actual income per hour of work, especially if you’re a mom or dad who only makes minimum wage or slightly higher. I recently read a personal finance book** that showed that a wife with kids who worked at an $18,000 per year job only pulled down $0.64/hour when accounting for additional clothing, transportation, and child care costs. That’s hardly worth going to an office for 8 hours a day. You can make that much or more online pretty easily without even having to leave the house. That’s why I’ve been into earning money in pajamas for the past few years. It’s definitely been very beneficial to improving my standard of living, and by making a few hundred dollars over the course of the year, you can avoid the problem of going into debt over Christmas presents altogether.
*Disclaimer–I may earn a referral commission if you sign up for some of the programs that I cover on this site. I’ve actually used all of them and have gotten paid. You can still earn from the sites without using my link, but I definitely appreciate any support that you give.
**Howard Dayton, Your Money Map (Chicago: Moody Publishers, 2006), 95-96.
***If you’ve enjoyed this post, be sure to sign up to receive future articles in your inbox. You can sign up near the top of the page with a box on the left toolbar.
Fingerhut lets you shop in the convenience of your home on a wide selection of brand name products with low monthly payments. If you’re a new customer, you can get $25 off $100 by using the promo code: NC576.
If you haven’t signed up for Swagbucks yet, this offer’s a great way to get started. Just sign up through the link above and get your 2500 SB, you’ll get a bonus 300 SB at the beginning of November. So that’s $25 for getting approved for a line of credit, which gets you 2800 SB, that you can spend on gift cards to places like Amazon, Target, Walmart, Starbucks, or PayPal cash
My very first post on this site more than three years ago touched on the benefits that users could earn from the site SwagBucks (you can sign up here). The site allows users to complete a number of different tasks that earn a virtual currency known as Swagbucks. This virtual currency is not like Bitcoin in that the value can vary greatly over time. The Swagbucks pretty much have a fixed redemption value of one cent per Swagbuck. This current post is going to show you how you can cash in and start to earn passive incomethat could literally last for the rest of your life.
Many people who use the site cash in for things like $5 e-gift cards from retailers like Amazon or Walmart. I do not choose to use this redemption option. The coolest of all redemptions, in my estimation, is $25 in PayPal cash. I use the site to earn money in pajamas, and have been putting my PayPal cash to work earning money on the money I earned in my pajamas.
I need to get 2,500 Swagbucks to cash in on PayPal. I can earn these 2,500 Swagbucks in a variety of ways. One of the most common options is by searching on the web. I use the search bar, and the site randomly provides a number of Swagbucks that generally ranges between 4 and 50. Here is a picture of what a “win” looks like:
One way that I can earn more Swagbucks is through online surveys. I tend to look at the surveys under “Gold Surveys” the most, as I seem to have more luck getting them to credit. The surveys that pay out 50 Swagbucks for 10 minutes are generally from a site called Opinion Central, and I have had pretty good success from these. They generally take less than the 10 minutes advertised, as well.
Another major way that you can earn Swagbucks in pajamas while watching the TV is by watching videos. There are a couple of options that I’ve found that I can earn quite a few Swagbucks pretty quickly. I frequently will watch videos by clicking on this dude who’s sitting behind a laptop:
After clicking on laptop guy, you will then be taken to a screen that invites you to watch the videos. You have to scroll through a few (usually between 5 and 10, although sometimes there will be an ad campaign with just one video). This usually pays out 2 Swagbucks, which is admittedly not much, but I can easily scroll through them while watching TV (this is the maximizing spare time for income, folks). Sometimes around Christmas, the process will pay out 3 Swagbucks per task. You would click through all of the videos. I set up my screen to look like this so that I know when to click the green button:
Another easy way to earn a few Swagbucks while watching TV is through nCrave videos. I like the ones that are highlighted here. I use the ones with the swirling arrow icon that’s circled in red:
After clicking on the nCrave video, you need to make sure that the “Discovery Mode” is toggled to the green check mark. This will let the carousel of videos play automatically. Again, you won’t get rich overnight from this process, but it’s a few Swagbucks for very little effort. They do add up over time.
Make sure the Discovery Mode is toggled on to automatically cycle through the videos.
I work on several of these tasks when watching TV on a daily basis. Most months, I am able to cash in at least $25 toward PayPal cash; some months, I cash out $50. When this cash hits my PayPal account, I can then transfer it to my linked back account and then transfer it to a brokerage account. I’ve been transferring it to Loyal3 each month. When it hits Loyal 3, I can then invest with no commission in one of the 60-some companies that this brokerage allows people to invest in. I reviewed how I use Loyal3 here.
Each PayPal cashout will allow me to get around $0.75 per year for life for each $25 I invest (when estimating a dividend yield of 3%). Over the course of the year, I will get around $10 in dividend income, give or take a few dollars, depending upon the companies invested in. This is where the concept gets pretty cool. That $10 in dividend income can then be put into additional stock, and the compounding process can begin. The money that I earned in pajamas with Swagbucks can then go toward making its own money, which will then make more money. Over time, even if one or two companies go belly-up (I buy only companies that are paying dividends, and I invest in multiple companies to diversify my risk), I should have a pretty decent amount of income coming in on a quarterly basis. The major factor for success is persistence. Check out this article on the power of getting just an extra dollar a day to invest.
What Are You Waiting For?
To get the ball started, you can sign up for Swagbucks here. Please note that should you do so, I could get compensated for referring you. I only share method’s that I’ve used myself that work. I’ve earned more than $1,000 via Swagbucks since signing up, and the majority of this income has been earned by my activity, not referrals. Now the money I’m earning is earning its own passive income. Should you decide to sign up with my link, I appreciate your support. Good luck earning money in pajamas.
If you’ve learned something new from this post, be sure to sign up to follow the blog. I update it fairly frequently with the ways that I’m earning passive income.
Another month has come and gone. Today is the first day of May, and on this past Friday, I got my last dividend notification for the month of April. I’m now about nine months into the dividend growth investing journey. My goal is to build up passive income over time so that I can enjoy a reasonable retirement in a couple of decades. I believe that long-standing dividend payers who have solid cash flows should be reasonable investments for the long term.
I added a couple of small positions over the past month, but neither of these has paid out a dividend yet. I started pooling my dividends in my Loyal3 account in January, and I reached $10 early in April. I then immediately put that $10 to work in a very small starting position in Unilever PLC. My hope is that my growing stream of dividends will enable me to add to this small start each quarter to start with. As my core positions add more in dividend payments, I plan to increase the frequency of these purchases in UL.
I also cashed out some more funds from Swagbucks and started with a $25 position in Starbucks (SBUX). My hope is to alternate Swagbucks payments and build up some smaller positions. Starbucks does not pay a huge dividend at this point, but the company has been increasing its payout rapidly over the past few years. Additionally, the company is still in the growth phase, so I’m hoping that my eventual yield on cost is much higher than my current ~1.4 percent.
I received three dividend payments during the month of April, so without further ado, here they are:
Coca-Cola (KO): $2.95
Wal-Mart (WMT): $2.48
Bank of Nova Scotia (BNS): $3.47
Total dividend payments for March: $8.90
Dividend income for 2016: $33.28
My payment from BNS was subject to a 15 percent withholding tax, so only $2.95 went into my DRIP. This purchased another 0.057 shares of BNS, and it will add about $0.12 to my annual dividend income, although this will vary because of foreign exchange rates. I put the other dividends toward the aforementioned purchase of Unilever. My current forward dividend income for the next 12 months should be right around $131.67 (although this is possibly a slight bit off because of the BNS forex issue). This way more than the grand total of $0 that I expected in yearly dividends at this same time last year. Earning dividends is truly earning money in pajamas. I do no more work after earning the capital. Then my capital goes to work for me.
If you want to keep up with my progress or learn about my other life hacking achievements and goals, be sure to sign up to follow the blog.
Disclaimer: I am not a licensed financial professional. Please use the information on this site for educational/entertainment purposes only. Be sure to check with a financial professional before purchasing equities.
Disclaimer 2: I may receive compensation if you decide to sign up for any of my affiliate links. This post mentions Swagbucks. I usually get $25 worth of PayPal cash each month from this site, and I use it to buy more stocks that then earn me more dividends that can then go and buy more stocks that then pay more dividends…and so forth. Should you choose to sign up, I thank you for your support.
Because the educational system is still tied to the old-school agrarian way of life from the pre-industrial period, teenagers and college students, even in 2015, frequently have some time off during the summer. This becomes the perfect time to make a few bucks that can go toward the future or toward college bills. Money that can cut down student loans can be a great step toward financial freedom, because every dollar that’s not spent on student loans is a dollar that can be saved toward financial freedom. When it comes to getting money over the summer, here are three great ways to get ahead.
1. Look for a Job
The oldest way for teenagers or college students to make money over the summer is related to getting a job. Not only can getting a job earn money, it can also earn experience that can be useful after formal schooling is done. Many students have started their working life at McDonald’s, Burger King, Subway, or some other such eating establishment. Many kids today think that they’re above working at a fast food joint, but these jobs can actually be a great way to learn about hard work, teamwork, and paying attention to what superiors say. Many successful people have started out making money this way.
Fast food is not the only avenue of employment. While they get quite a bit of bad ink because of poor pay, retailers like WalMart and Target can be a way to get a foot in the employment world while making money.
2. Create a Job
Not every avenue for income will come from going to a business and having them give you a job. There are lots of successful people who’ve been able to make a substantial amount of money through their own entrepreneurial efforts. There are literally millions of Americans who hate to mow their lawns. Enterprising young folks who live basically anywhere a decent center of population (think a few hundred homes) can make a decent amount of money from doing yard work.
Few people enjoy cleaning up dog messes, yet our furry friends have to do their business in the outdoors. People who are willing to do a bit of dirty work have been able to make a good living. Setting up an ad and getting a few clients could potentially bring in hundreds, or even thousands, over the course of a summer. What’s needed to make money by creating a job is an ability to find a service that people are willing to pay for and then market yourself. Of course, doing a good job and being ready to do things that other people are not really all that keen on doing is an important part of the process, too.
3. Become an Online Entrepreneur
The Internet is much like the wild west. Although it’s much more organized today than it was in the wide-open days of the 1990s, there is still much money to be made online. Setting up a website does not take much effort, and those who do the job well can cash in. Teens and college students looking to make money in 2015 can make some great money.
The problem with the first two recommendations is the inability of many 13 to 15 year olds to take advantage of them. This is where some great websites come in handy. I personally utilize some sites that pay people to search the Internet or complete surveys or other painless tasks. I’ve made over $1,000 on CashCrate in this manner, and I’ve seen another individual who’s been able to make over $150,000 on the site. You’ll probably not come close to making that much, but $1,000 or more is definitely possible. You can sign up for CashCrate here.
My other big online moneymaker is SwagBucks. This site pays in virtual currency that people can then redeem for gift cards to major retailers like WalMart or Amazon. It’s also possible to cash in SwagBucks for PayPal cash. I usually take advantage of this last option, and I’ve been able to cash in at least $25 per month over the past year with a minimal amount of work while watching TV. Why not do something that pays off, rather than playing Internet games that earn nothing? You can sign up for the Swagbucks site and start earning cash here. This is truly earning money in pajamas.
Making money is an important step that everybody needs to start achieving. The earlier you start, the better off you’ll be in the future if you can keep from spending it all while saving it. After all, just a dollar a day can pay off in the long run. Making money at home in your down time can pay off in increased financial stability, and the time to start is now. These three ways to make money during the summer are a great way to start down that road.