You Don’t Need a Second Job to Make Extra Money!

The coronavirus pandemic has affected people suffering from college debt and job loss. Visit our Coronavirus Information Center to learn more about how the pandemic’s reaction impacts your student loans and alternative opportunities to make money from home.

An entry-level income might be stretched to its limits by student loan debt. There are ways to generate money without taking on a second job if you are in a tight spot financially. Earning more money might help you pay off your student loans more quickly and provide you with more money to put away for the future.

The internet is awash with dubious businesses, making side hustles a perfect way to earn extra money. We’ve reviewed 15 authentic side-gig possibilities to help you find the best fit for your needs.

Can bankruptcy stop me from finding an employment opportunity?

When you declared bankruptcy, it was like a new beginning. You started to rebuild your credit at low cost options and even began searching for an opportunity to get a new job. You’re still worried about whether a bankruptcy decision will be reported upon your credit report? will it be noticed by prospective employers?

Yes, both times. If a prospective employer checks your credit and credit report, the employer has the ability to access your Social Security number, previous addresses and details about debt. Alongside information about mortgages and student loans you will also have information on auto payment, credit card debt, collections of debt as well as bankruptcies and tax liens that were filed less then 10 years prior to file the Chapter 7 filing or seven years from now for an Chapter 13 filing. The only thing that employers won’t look at in the credit record is your credit score.

Without a second job, how do you generate money?

As a result of these concepts, you may discover how to generate money without putting in a lot of effort.

Instead of taking on another employment, consider working part-time to supplement your income.

Renting out a place is the first option.

Short-term tourists might generate additional money by renting out your spare room or just a sofa. Airbnb and VRBO are popular options for tourists looking to save money on lodging.

It all depends on where you live and the amount of room you have to work with.

Buy and resell gift cards.

You’ve probably gotten a few gift cards from family and friends for the holidays, birthdays, and graduations. Instead of collecting dust in a drawer, offer to sell your old gift cards to relatives and friends willing to pay cash for them.

A gift card exchange service like or CardKanagaroo is a great place to sell your gift cards for cash. In some instances, you may be able to obtain as much as 92% of the card’s value.

Make microloans available

Peer-to-peer lending is a great way to put your money to work for you if you have some funds. Lending Club and allow you to support individual borrowers by partly financing their loans via crowdfunding technologies. Whereas Kiva works with underprivileged groups in developing countries, Lending Club caters to more established investors and entrepreneurs.

Getting a loan to fund a dream wedding or start a company might be necessary for some individuals. It’s possible to lend them some money, and the return on your investment depends on their risk profile and credit quality.

Smaller loans might help you diversify your investment rather than a single large one.

The fourth step is to write blog posts.

To charge a higher fee for your services as a freelance writer, you’ll need a lot of time, dedication, and expertise. There are content mills that may link you with customers and pay you immediately if you need a little additional money right now.

Despite the lower pay, you won’t have to perform any administrative work or search for customers – you can start working right away and start making money.

There is a tool called Verblio that may help (previously known as BlogMutt). There are no limits on how many projects a Verblio writer may do weekly once they are certified. Starting at $10.50 for a 300-400-word article, Verblio’s income may mount up, and its website says it increases from there.

You must have a PayPal account to get paid by Verblio. Payments are sent every Monday. If you’re short on cash, though, it may be helpful in a pinch.

Create a new bank account…..

By creating a new bank account, you may be able to earn money. New clients who sign up for a TD checking account as of May 20, 2020, will get a $300 bonus. It’s also possible that there are conditions linked, such as having a certain quantity of direct deposits before you may get the additional money.

However, you may want to check with your bank to see if they have any cash-based promos. A few hundred dollars may be enough to get your emergency fund up and to run.

Opening a new bank account to receive the incentives is fraught with peril. This choice is a good one to consider three times out of four.

Take up the mystery shopper’s trade.

Consider being a “mystery shopper” if you like to shop. In most cases, third-party suppliers pay personnel to enter establishments disguised and then report back on their findings. Mystery shoppers can make purchases and subsequently get a reimbursement.

The Mystery Shopping Providers Association of North America, previously known as MSPA Americas, is a beautiful location to start studying mystery shoppers.

There is a plethora of information regarding mystery shopping in the retail business on the website of this trade group, which represents the customer experience industry in the United States.

Do you want to join a firm immediately? There is a firm called that employs mystery shoppers and has achieved an A+ rating from the BBB.

Publish connections to your affiliate programs.

Posting affiliate links on your website, blog, or social media accounts may be an excellent way to earn extra money.

ShareASale and ShopStyle Collective are affiliate networks that you may join. Share your favorite goods and be paid if someone buys them after you link to them on your website.

You may use networks like ShopStyle Collective if you don’t have a large following and get paid per click, not each sale.

Selling unwanted clothing and accessories is a great way to get money.

You may earn some additional cash by selling your old clothing and accessories that you don’t use anymore.

Both Poshmark and eBay allow you to sell your goods at the price you choose. Even though you may earn more money on these sites than on other platforms, you may have to wait some time for a purchaser.

When you don’t want to do the marketing yourself, ThredUP is a terrific option. ThredUP pays you a portion of the selling price of the things you send in.

Experiment with different options for listing

Using Amazon Mechanical Turk, you may earn money by experimenting with new listing features. Signing up for an account allows you to verify spelling, search for item numbers, or compare items.

Even while each work only pays a few cents or even a dollar an hour, you may do many of them in only a few minutes.

Invest your money wisely.

Investing is a beautiful place to start if you want to learn how to generate money passively. On the other hand, setting everything up might be a daunting task. Acorns make it easy to start investing with as little as $5.

The Acorns app rounds up your purchases and invests the difference for you whenever you make a transaction. These little investments, when compounded over time, may provide substantial rewards. A month’s service worth with Acorns will set you back $1.

Make use of actual retail establishments.

Using the Shopkick app, you can earn gift cards when purchasing in-store. A list of local businesses that give “kicks,” or reward points, for visits will be sent to you when you first sign up for the app.

Using the app or making regular purchases, you may earn even more points and exchange them for gift cards to your favorite businesses or PayPal cash.

Do you think you’re clever? Open a shop online.

Etsy, a marketplace for antique and handmade products and art and craft materials, and Amazon Handmade, a marketplace for handcrafted goods, are two options for anyone with creative or crafty skills who wish to sell their wares online. As long as you’re good at marketing and have an excellent product to sell, you may make money on the side by opening an internet store.

Recommend goods and services

If you have a favorite product, you can assist your friends and family and get money at the same time by promoting it.

Referral programs are standard in many businesses, from banks to credit card providers. By registering, you’ll get a unique referral link that you can use to recommend friends through email or social media. If a customer you referred makes a purchase or joins up for a service, you are eligible for a referral bonus that may be very rewarding.

Let someone else use your automobile while you’re away.

You can transform your vehicle into a money-making machine by renting your car out via Turo, which links car owners with renters in your region. Owners who offer their cars on Turo may earn up to $500 per month on average.

Rental cars are available anytime you choose, whether on the weekends or only during certain seasons of the year.

Sell the photographs you take with your smartphone.

You may earn money by selling the images you take on your phone while out and about.

Your smartphone images may be just what a small company is searching for when it comes to stock photos for their blogs and social media platforms.

It’s possible to list and sell your images on various services, including EyeEm, Foap, and Adobe Stock. Prices range from $5 to $250 for a single photograph.

What you can do with the additional cash

A second job isn’t always necessary to make additional money. Use these different sources of income to help pay off your student loans, pay down other obligations, or increase your savings. A few minutes a day could be all it takes for specific side projects to gobble up hours of your time.

About Bob C. Zoller

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