Need Fast Money? Make $230 in 30 Minutes (Without Even Leaving Home)

A man in his car is holding five hundred dollars in US twenties and a bank deposit slip while in the car
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Honest Abe


Some of the links in this post are from our sponsors. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin.

Low on funds? Need money fast?

Hey, we’ve all been there. Personally, I’ve lost track of how many times I’ve searched my couch cushions and the cupholders in my car, scrounging for spare change.

Don’t do that. There’s a better way.

Check out our new list of ways you can make an easy $230 in the next 30 minutes — without even leaving your house.

Get out your smartphone or your laptop. Flex your fingers. Focus your thoughts. Follow along, get ready to make money online fast, and you’ll quickly end up $80 richer.

1. Collect $5 From PointClub

The folks over at PointClub will actually pay you to take online surveys!

This is a definitely a reader favorite, because of the wide variety of ways to make extra cash beyond taking surveys for money.  It’s free to sign up and you’ll get a $5 bonus when you take your first survey.

You can redeem for cash via Paypal or gift cards to a number of popular retailers, including Amazon.

Sign up for PointClub here.

2. Collect $25 From JOANY

JOANY is a health care concierge service. It helps people find and compare plans, seek out doctors and navigate complicated medical bills.

In order to best cater to customers, it needs you to answer some survey questions. It takes less than 10 minutes, with fewer than 50 questions. In return, you’ll pocket a free $25.

In order to participate, you’ll need to meet these qualifications:

  • You purchased health insurance for 2017 through your state exchange,, a broker or a plan, such as Oscar or Aetna.
  • You don’t receive health insurance through your employer or school.
  • You aren’t on Medicaid, Medicare or VA health insurance.

JOANY promises fewer than 50 questions and less than 10 minutes of your time. Most questions are multiple choice, making answering easy. Your answers are private and protected under federal law.

3. Collect $10 From Ebates

Have you heard of Ebates? It’s a cash-back site that lets you earn rewards by shopping online. We love it around here, because it’s an easy way to save on everything you buy.

For example, you’ll earn up to 6% cash back on every purchase you make at Amazon. 
Plus, you’ll get a $10 bonus to Walmart when you sign up. Here’s how to get it:

– Sign up for Ebates here using your email or Facebook account. (It’s free.)

– Use the Ebates portal next time you shop online. It’s connected to thousands of stores including eBay, Amazon and Home Depot.

– When you spend your first $25 at any of the connected stores, Ebates will reward you $10 on top of the cash-back rewards you earn normally.

4. Collect $150 From Chase

If you’re looking for a passive way to earn some money, a cash-back credit card is perhaps one of the easiest methods.

You just have to be sure you don’t get too carried away with those purchases — and that the card is paid off at the end of each billing period.

Here’s an option we like: It’s the Chase Freedom Unlimited card. Its claim to fame? You’ll earn an unlimited 1.5% cash back on all your purchases. Plus, if you spend $500 in your first three months of opening the card (hi, groceries), you’ll pocket a $150 bonus.

There’s no annual fee, and the cash-back rewards don’t expire. We checked Credible’s annual rewards calculator, and it estimates $417 in annual rewards based on our spending habits.* (You can enter your unique spending habits and see what you’d earn, too.)

Get signed up — and 0% intro APR for 15 months — here.

5. Try Your Luck With Lucktastic

OK, think of this as the cherry on top. If you’ve followed our instructions so far, you’re that much richer. Here’s one more chance at some extra money.

Try out a free app called Lucktastic. Each day, it releases a new assortment of digital scratch-off tickets. Instant wins range from $1 to $10,000. You can also earn tokens, enter contests and play games.

The app is free to download — and play.

6. Collect $5 From Stash

Stash is a popular micro-investing app. It lets you start investing with as little as $5 and for just a $1 monthly fee (the first month is free) for balances under $5,000.

Automate your investments by allocating, say, $5 per week. You can put your Stash money in over 30 different investment funds reflecting your beliefs, interests and goals.

Bonus: Right now, The Penny Hoarder is teaming up with Stash to fund your first investment so you’ll get an extra $5 to get started. It’s all you need to make your first investment.

7. Collect $10 From Acorns

Acorns is another popular micro-investing appOnce you connect it to a debit or credit card, it rounds your purchases up to the nearest dollar and funnels your digital change into a savings and investment account.

Because the money comes out in increments of less than $1, you’re less likely to feel an impact in your bank account. You can also set it up so it doesn’t round up every single purchase.

When you sign up, you get a free $10 to start investing.

8. Collect $10 From Ibotta

Did you know you can get paid cash back just for taking a picture of your receipt? Here’s how it works:

  • Sign up for Ibotta here. You just need a name/email address to start.
  • Browse through the cash-back offers in your area the next time you go to a store, supermarket, restaurant or bar. (The offers change every week.)
  • Once you’ve reached at least $20 in earnings, request payment via PayPal or Venmo.

Right now, Ibotta is giving new users a $10 sign-up bonus just for redeeming their first receipt.

You’re already halfway to cashing out.

9. Collect $5 From Qapital

Qapital is an automated savings app that makes saving kinda, sorta fun. And also mindless.

First, you set a goal. A vacation? Rent? Student loan payment? Then set “rules,” which, when triggered, transfer money into your Qapital account.

For example, if you meet my daily step goal, $2 will be transferred in. Or if I make a purchase of $3.85, the leftover 15 cents trickles over. In five months, one Penny Hoarder stashed away $700 — without thinking.

Plus, when you refer a friend and they complete their first deposit, you’ll get a $5 “thank you.”

10. Collect $5 From Dosh

Dosh is a new cash-back app that pays you for making purchases at more than 100,000 hotels, online stores and restaurants — including Starwood Properties, Marriott, Cost Plus World Market, Nike, Target, Chuck E. Cheese’s and many more.

Here’s all you have to do: Download the app and sign up. Securely connect a debit or credit card. Live your life and watch the cash back roll in.

In addition to earning cash back, you collect an immediate $5 bonus for hooking up a card to Dosh.

Bonus: Collect an Extra $5 From Decluttr

If you have more time, start shuffling through your old movies or CDs because Decluttr will pay you for them.

Decluttr buys your old CDs, DVDs, Blu-rays and video games, plus hardware like cell phones, tablets, game consoles and iPods.

One user, Gil Flores, sold about 100 DVDs and 75 CDs and made $275 — an average of $1.57 each.

Just download the app, and start scanning the barcodes on your media to get immediate quotes. It’s completely free to use: There are no listing or seller fees.

Payment is pretty fast — it’ll take a day or two — but shipping is free.

Right now, when you send in your trades, Decluttr grants you a $5 bonus when you enter FREE5 at checkout.

Mike Brassfield ( is a senior writer at The Penny Hoarder. Like you, he could use some extra money.

*Annual Rewards amounts will change based on the amounts you enter. The monthly spending category names and definitions may vary among issuers, and categories may not align one-to-one.

Do you think this article might help you put more money in your pocket?

Honest Abe


Some of the links in this post are from our sponsors. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin.