9 Money Moves Every Night Owl Should Make

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We live in a society that caters to the early birds: 8 a.m. school start times, 9-to-5 work schedules and lots of talk about the benefits of starting your day at the crack of dawn.

Well, I say thanks, but no thanks..

There’s nothing wrong with you if you’re the kind of person who stays up late to work, play or just to experience some peace and quiet in the ungodly hours of the night. In fact, research suggests night owls may be more creative, more intelligent and more mentally resilient than their counterparts.*

So, never change! And, while you’re at it, here are ways to make extra cash while burning that midnight oil.

1. Let This App Pay You up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass time until the sun comes up. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Most of the games are free, but cash players can join higher-stakes tournaments for bigger cash prizes. But there’s no pressure — there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

2. Earn up to $69/Hour Working From Home

We get it. You need copious amounts of coffee to feel alive at your inflexible nine to five job.

Truth be told, life would be a lot easier if you could sleep in every day, and just make money while everyone else was sleeping. But that’s not something most employers offer. But have you considered bookkeeping? It’s the No. 1 most profitable business, according to an article in Inc Magazine.

And you could earn up to $69 an hour by starting your own bookkeeping business, according to Intuit, the creator of QuickBooks.

You don’t have to be an accountant or good at calculus to be successful at bookkeeping. As long as you’re motivated, a company called Bookkeepers.com will teach you everything you need to know. It’s one of the leading training courses in the field, and it even gives you the first three classes for free.

It’s helped thousands of people launch their own businesses, including Daniel Honan, a military veteran and former painter. He never considered starting his own company, but he signed up for Bookkeepers.com, and now he’s making $50,000 a year.

It only took him three months to get started, taking one class a week. Oh, and he makes his own schedule, and earns up to $69 an hour.

If you’re just a little curious, you just have to submit your email address here to take the first free class. If you stick with it, you could be running your own business in just a few months.

3. Get Paid Up to $140/Month Just for Sharing Your Honest Opinion

It sounds strange, but brands want to hear your opinion, even in the dead of night. It helps them make business decisions, so they’re willing to pay you for it — up to $140 a month.

A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.

It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time.

And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.

They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.

It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.

4. Get Paid to be Someone’s Buddy — We’re Not Kidding

Some night owls want solitude, while others want to get together with those on the same sleep schedule. Why not get paid to do the latter?

You can register to become a friend at RentAFriend.com, where paying users can contact you to attend late-night concerts, bar trivia nights, quiet hangouts, VIP events and more.

You can charge up to $50 an hour and set your own schedule. Why not try it out?

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5. Get a Higher Yield than a High-Yield Savings Account with a Treasury Account

Want to do more with your savings? Yeah, us too.

Well, a company called Public could help you earn a 5.40% yield* on your money — that’s 13 times faster than a regular savings account!**

Instead of stashing your money in a savings account, Public offers a Treasury account that allows you to invest in treasury bills. Treasuries basically work like a loan that you give the government, which pays you back later, plus interest. And being backed by the U.S. government makes them one of the safest*** ways to invest your money.

Unlike traditional savings or high-yield savings accounts, you don’t have to pay state or local taxes*** on income you earn from Treasury bills. So, depending on where you live, more of your savings may go back into your pocket.

Once you’ve signed up and created your account, you can easily transfer money by linking a bank account. From there, you can enroll in a Treasury account and start investing for as little as $100. After your Treasury bills mature, Public will automatically reinvest to create a compounding effect. You can also sell your Treasury bills at any time*.

It only takes a few minutes to enroll in a Treasury account with Public to start earning more on your savings.

This is a paid endorsement for Public.com.

 

6. Add $225 to Your Wallet While Watching the Late Night News

It’s been a historic year in the news. And while we hope the news isn’t what’s keeping you up at night, being a news junkie does have its monetary perks.

You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars. They’ll present you with short surveys to choose from every day, which you can fill out while you watch tonight’s broadcast.

You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $56 million.

It takes about one minute to sign up, and start getting paid while you watch the news.

7. Get Paid to Skip Going to the Store

Picture this: Buying your groceries without leaving your house… and at night. Sounds like the perfect night-owl scenario, right?

It is — and it can be rewarding, too. A free website called Rakuten gives you a kickback of 3%, 5%, 15% or more when you shop online at thousands of your favorite stores.

Between your Target and Instacart orders, Disney+ subscription and Ulta splurges, that cash back really adds up. Plus, it can be directly deposited into your bank account, or they’ll send you a check.

It takes less than 60 seconds to create a Rakuten account and start getting cash back. All you need is an email address, then you can immediately start shopping your go-to stores through the site.

Earning money for nothing? Living your best night life? Sounds like a win/win.

8. Play Bingo on Your Phone for Real Money — up to $83 Per Win

Do you play games on your phone at night to pass the time? You should see if you can make money doing it, too.

A free iPhone app called Bingo Cash lets you play for real cash. Every win could pay you up to $83.

Bingo Cash is based on the classic Bingo format, where you’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls. The top three players in a game can win real money — anywhere from $1 to $83.

And no, there’s no catch. There are no ads, either. You can play for free or pay to play in higher-stakes tournaments.

Download the free app and start playing your first game immediately. You could win money today!

9. Start Freelancing

If you have a way with words, consider freelancing. As a freelance blogger, you can work as much or little as you want, and at any hour of the night that you please.

To get started, check out these blogs that pay $100 or more per post.

*https://www.thehealthy.com/habits/benefits-of-being-a-night-owl/

* Yield is an annualized 26-week T-bill rate (as of 11/21/2023) when held to maturity. Rate assumes holding T-bill until maturity (26-weeks). T-bills liquidated prior to maturity may result in a loss of interest or principal. Rate is gross of fees and is annualized. Fee schedule at public.com/disclosures/fee-schedule.T-bills are purchased in increments of $100 par value at a discount; any remaining balance after purchase is held in cash. All investing involves risk of loss. Past performance is not indicative of future results. Risks. US members only.

** Traditional savings rate sourced from Bankrate as of 10/3/23. “Best” high-yield savings accounts are compared to the average APY (annual percentage yield) as compiled by NerdWallet.com as of 10/11/23. Public is not responsible for the accuracy, timeliness, or completeness of information on third-party websites. Nor Public Holdings or its affiliates are a bank and Public does not offer savings accounts. Securities on Public.com are not FDIC insured. You should contact your bank for current and complete information about available account types, including applicable interest rates. Risks.

*** T-bills are subject to price change and availability – yield is subject to change. Past performance is not indicative of future performance. Investments in T-bills involve a variety of risks, including credit risk, interest rate risk, and liquidity risk. As a general rule, the price of a T- bills moves inversely to changes in interest rates. Although T-bills are considered safer than many other financial instruments, you could lose all or a part of your investment.Investment income on T-bills is taxed federally by the Internal Revenue Service. Income earned from T-bills is not subject to state tax, and is not subject to local income taxes. Jiko U.S. Treasuries Risk Disclosures for further details.

Investment services and the Brokerage Accounts for treasury securities are offered by Jiko Securities, Inc. (“JSI”) member FINRA and SIPC.

Securities investments: Not FDIC Insured; No Bank Guarantee; May Lose Value. Banking services and the Bank Account are provided by Jiko Bank, a division of Mid-Central National Bank. Available to US members only. Full disclosures at public.com/#disclosures- treasuries