There&rsquo;s something about a good challenge that can give us just the right amount of motivation to get something done. Don&rsquo;t feel like folding the laundry? Challenge yourself to see how fast you can do it and suddenly it becomes a fun game.
The same thing goes with saving money. If you&rsquo;re having trouble, trying one of the money-saving challenges below might be exactly what you need to kickstart your emergency fund, retirement savings, vacation fund, or something else.&nbsp;
Even more importantly, doing savings challenges will get you used to saving money consistently, which is a habit that will serve you well for the rest of your life. Just remember to stay consistent!
To start things off, here&rsquo;s a fun challenge that will help you save money throughout the year, without much effort:
<h2>1. Spare Change Challenge</h2>
This money-saving challenge is probably the exact same one you used as a kid. The idea is to save all the spare change you come into contact with for an entire year.
The only problem is, these days most of us pay with credit or debit cards, so even a year's worth of spare change probably wouldn&rsquo;t amount to much.
Fortunately, thanks to the wonders of technology, &ldquo;roundups&rdquo; are becoming more and more commonly offered by banks and other financial apps. If you haven&rsquo;t heard of them before, roundup services analyze your card purchases, round them up to the nearest dollar, and invest the spare change.
So for example, if you make a purchase of $3.50, that would be rounded up to $4.00, with the extra $0.50 going straight to your savings/investment account.&nbsp;
If your brick and mortar bank doesn&rsquo;t offer anything like this, take a look into <a href="https://www.acorns.com/">Acorns</a>. It&rsquo;s a neat service that offers roundups, automated investing, and more. You can even multiply your roundups to increase the amount you save.&nbsp;
<h2>2. $5 Bill Savings Challenge</h2>
This is a step up from the spare change challenge. For this, you&rsquo;ll be stashing away every single $5 bill you come into contact with throughout the year.&nbsp;
<a href="https://medium.com/@intersphere/the-five-dollar-challenge-what-i-learnt-saving-every-5-bill-i-got-in-2019-42bd521e7e4c">Vincent Teo</a> did this exact challenge in 2019 and he ended up saving $710. Not too shabby!
Unfortunately, this challenge suffers from the same problem as the spare change challenge in that if you don&rsquo;t use cash often, it probably won&rsquo;t produce great results. In that case, try saving every bit of cash you come into contact with rather than just the $5 bills. Even if you don&rsquo;t end up saving much, it&rsquo;ll be an interesting experiment!
<h2>3. 52-Week Challenge</h2>
The 52-week challenge is probably the most well-known money-saving challenge, and it&rsquo;s been remixed in almost every way imaginable.
The traditional way to do it is to save a set amount of money every single week for 52 weeks in a row. On week #1, you&rsquo;d save $1. On week #2, $2. All the way until week #52, where you&rsquo;d save $52. In the end, this adds up to a total savings of $1,378. Some of the <a href="https://www.swiftsalary.com/52-week-money-challenge-variations/">other ways to do the 52-week challenge</a> include doing it in reverse (i.e. saving $52 week #1 and $1 week #52), doubling it (i.e. saving $2 week #1, $104 week #52), halving it (i.e. saving $0.50 week #1, $26 week #52), or taking on the savings amounts randomly (i.e. week #1 you might save $10, week #2 you might save $5, etc.).&nbsp;
<h2>4. No-Spend Challenge</h2>
If you want to save a lot of money in a short amount of time, doing a no-spend weekend, week, or month, is going to be your best bet. And don&rsquo;t worry, you&rsquo;ll still be able to buy food, gas, and other essentials. The idea of a no-spend challenge is to simply cut out discretionary spending.
That means no eating out, no going to the movies, no buying new clothes -- no spending money on anything that isn&rsquo;t absolutely necessary.&nbsp;
While this may sound more like torture than a money-saving challenge, don&rsquo;t be afraid to give it a try. Not only will you save a ton of money, you&rsquo;ll also realize how many fun things you can do for free.
<h2>5. Receipt Saving Challenge</h2>
This is a fun savings challenge thought up by Michael Timmermann of <a href="https://michaelsaves.com/budgeting/52-week-receipt-challenge/">Michael Saves</a>. It involves actually saving the &ldquo;savings&rdquo; you see on the bottom of grocery store receipts.
What that means is, if you go and buy $100 worth of groceries and, through in-store discounts, save $5 off your bill, you have to actually go into your bank account and move that $5 over to your savings or investment account.
To make this more convenient and sensible, Michael saves up all his receipts and then goes through them at the end of the month. In about a year, he saved just over $2,000 doing this, plus he says it helped him optimize his grocery shopping routine for even more savings (of both time and money).&nbsp;
On top of that, you can get even more out of this challenge by <a href="https://www.swiftsalary.com/cash-back-for-receipts/">scanning your receipts into cash back apps</a> like <a href="https://home.ibotta.com/">Ibotta</a>. 
<h2>6. 100 Envelope Challenge</h2>
If you&rsquo;ve been on the financial side of <a href="https://www.tiktok.com/tag/100envelopechallenge">TikTok</a>, you&rsquo;ve probably seen or heard of the 100 envelope challenge (also known as the 100 day money challenge).&nbsp;
This challenge involves numbering 100 individual envelopes from 1-100, drawing a random envelope each day, and then filling it with the corresponding amount of cash. So for example, if you draw an envelope with the number twelve on it, you have to put $12 inside.&nbsp;
Once you fill every envelope, you&rsquo;ll have completed the challenge and saved a total of $5,050!&nbsp;
There&rsquo;s only one problem:
Saving $5,050 in 100 days is pretty intense. If you want to take things more slowly, another popular way to do the challenge is to draw two envelopes a week instead of one every day. This will have you completing the challenge in just about a year, which is a much more reasonable pace.&nbsp;
There are plenty of other <a href="https://www.swiftsalary.com/100-envelope-challenge/">ways to modify the 100 envelope challenge</a> too. You can even do it digitally if you don&rsquo;t want to use physical cash and envelopes!
<h2>7. Weather Wednesdays Savings Challenge</h2>
This is a unique money-saving challenge thought up by Melissa of <a href="https://trendymoney.com/weather-wednesdays/">Trendy Money</a>.&nbsp;
Here&rsquo;s how it works:
Each Wednesday for the entire year, check the high temperature of the day and put that amount of money in your savings. So, for example, if it&rsquo;s 80 degrees outside, you&rsquo;ll have to save $80. Simple as that.
The only problem with this challenge is that if you live somewhere really hot, it&rsquo;s going to be way more difficult than if you live somewhere cooler. To remedy that, feel free to ignore your local weather report and save money based on a <a href="https://randomcity.net/">random city's</a> weather instead.
<h2>8. Habit Challenge&nbsp;</h2>
This money-saving challenge kills two birds with one stone. Not only will it help you save money, it&rsquo;ll also help you improve another aspect of your life.
To get started, think of something you either want to stop doing (e.g. smoking, drinking, etc.) or something you want to start doing more (exercising, eating healthy, etc.). Got something in mind? Now, each time you either do the thing you want to stop doing, or you forget to do the thing you want to do more, save a predetermined amount of money (e.g. $1, $5, etc.).&nbsp;
The only problem with this challenge is that it requires you to be completely honest with yourself. If it helps, try doing this challenge with someone else, that way you can both hold each other accountable.&nbsp;
<h2>9. Side Hustle Savings Challenge</h2>
If you want to create an additional income source for yourself and save money at the same time, this is the challenge for you. All you have to do is set a savings goal (e.g. $1,000) and then try to fund it with your side hustle.&nbsp;
To get started, you could go with something easy like <a href="https://eurekasurveys.com/respondents">filling paid surveys</a>. Other more involved options include ridesharing (Uber, Lyft, etc.), delivery (Skip the Dishes, Instacart, etc.), tasking (Taskrabbit, Clickworker, etc.), content creation (blogging, Youtube, TikTok, etc.), transcription (Scribie, Rev, etc.), and freelancing (Upwork, Fiverr, etc.).&nbsp;
Check out our guide on <a href="https://eurekasurveys.com/blog/how-to-earn-free-gift-cards-online-top-9-ways">how to earn free gift cards</a> for other simple money-making ideas!
<h2>10. DIY Money-Saving Challenge</h2>
If none of the money-saving challenges above suit your fancy, why not just make your own? By putting together a custom challenge, you can pick your own savings goal and deadline.&nbsp;
Here&rsquo;s a simple step-by-step process:
<ul>
<li style="font-weight: 400;" aria-level="1">Step 1. Think about how much you want to save (e.g. $1,000)</li>
<li style="font-weight: 400;" aria-level="1">Step 2. Think about when you want to achieve your goal (e.g. 6 months from now)</li>
<li style="font-weight: 400;" aria-level="1">Step 3. Think about how often you want to contribute to your goal (e.g. weekly, bi-weekly, monthly, etc.)</li>
</ul>
Once you&rsquo;ve gone through those steps, you can easily calculate your required savings rate. For example, if you want to save $1,000 in 6 months, you&rsquo;ll need to save around $167/month.&nbsp;
While a savings challenge like this may not be as unique or interesting as some of the ones above, it&rsquo;ll work great for habit building. Plus, it can be made easier with automation.&nbsp;
For example, if you know you need to save $167/month for 6 months to hit your savings goal, you could set up an automatic bank transfer to get this done without even needing to think about it. Then, after finishing the challenge, you could just keep it going to continue saving more and more.
<h2>How to Make These Money-Saving Challenges More Fun and Motivating</h2>
Even with a good challenge, staying motivated can be difficult. Here are some tips to help make things more fun and increase your chances of success:
<ol>
<li style="font-weight: 400;" aria-level="1">Include a friend or family member - Instead of going at it alone, pick a money saving challenge above to do with a friend, significant other, or family member. You could even get an entire group of people to participate. This will build in some accountability.</li>
<li style="font-weight: 400;" aria-level="1">Make it visual - There are a ton of printables around the web for the different money saving challenges listed above. Either find one you like, or make one yourself!&nbsp;</li>
<li style="font-weight: 400;" aria-level="1">Have a goal - Why are you even doing a money-saving challenge? Whether you&rsquo;re looking to fund an emergency fund, save money to pay off debt, or just treat yo&rsquo; self, make sure you know what your savings are going to go toward before getting started! Setting financial goals is one of the most important <a href="https://eurekasurveys.com/blog/10-basics-of-personal-finance-that-everyone-should-follow">basics of personal finance</a>.</li>
</ol>
<h2>Challenge Yourself to Save!</h2>
Now that you have a variety of savings challenges to choose from and ideas on how to get the most out of them, it&rsquo;s time to get started! The sooner you start, the sooner you&rsquo;ll reach your savings goals.&nbsp;
Good luck!

10 Fun Money Saving Challenges to Try This Year (Save $1,000+)

When it comes to building wealth and being in control of your money, there&rsquo;s really not a ton that you need to know in order to be successful. Seriously.&nbsp;
You don&rsquo;t need to read a bunch of books; you don&rsquo;t need to study complicated financial concepts; heck, you don&rsquo;t even need to spend that much time thinking about your money.&nbsp;
As long as you master the basics of personal finance, you&rsquo;ll be well on your way to reaching your financial goals. And while that may sound easier than it really is, with a bit of determination and self-discipline, it&rsquo;s possible for anyone to accomplish.&nbsp;
To ease into things, let&rsquo;s start off with the most basic of basics:
<h2>1. Track Your Net Worth</h2>
Your net worth is essentially the amount of money you&rsquo;d have left over if you sold all your stuff, took all the cash out of your accounts, and then paid off all your debts.&nbsp;
In more technical terms, it&rsquo;s the difference between your assets (what you own) and your liabilities (what you owe).&nbsp;
<ul>
<li style="font-weight: 400;" aria-level="1">Assets = things like stocks, money in the bank, a house, a car, rare Pokemon cards, cryptocurrency, etc.</li>
<li style="font-weight: 400;" aria-level="1">Liabilities = things like credit card debt, a mortgage, the $10 you borrowed from your friend 5 years ago, etc.</li>
</ul>
By calculating your own net worth, you&rsquo;ll be able to easily see where you currently sit financially. And with that, you can start figuring out which steps to take next.&nbsp;
For example, if your net worth is in the red, that means you owe more than you own. But hey, look on the bright side! By going through the process of calculating your net worth, you&rsquo;ve already listed out all your liabilities, which is the first step to creating a <a href="https://www.thebalance.com/how-to-set-up-a-debt-payment-plan-2385869">debt payoff plan</a>.
If your net worth is in the green, that means you&rsquo;ve already started to accumulate some wealth. Good job! Depending on your age, income level, and personal goals, you may be happy with where your net worth currently stands, or you may want to start thinking of ways to grow it further.&nbsp;
In the end, it&rsquo;s a good idea to recalculate and write down your net worth every single month. This will help you feel more involved with your finances, and it&rsquo;ll give you a record to look back on.&nbsp;
<h2>2. Set Financial Goals</h2>
Just like with anything in life, goal setting is an important part of personal finance.&nbsp;
Think about it:
The best bodybuilders don&rsquo;t just go into the gym and wing it. They plan everything meticulously; their meals, workouts, supplements, all of it.
If you want to buff up your finances, it all starts with figuring out what you want to achieve. And that doesn&rsquo;t mean writing down &ldquo;save $1,000,000&rdquo; on a piece of paper and calling it a day. That&rsquo;s a start, but you can do much better.&nbsp;
As a simple rule of thumb, remember to always follow the <a href="https://www.mindtools.com/pages/article/smart-goals.htm">SMART framework</a>; that means your goals should be specific, measurable, achievable, relevant, and time bound.&nbsp;
With that in mind, follow these steps:
<h3>Step 1: Write out any and every goal you can think of</h3>
Be realistic but don&rsquo;t be afraid to go big!&nbsp;
Examples:
<ul>
<li style="font-weight: 400;" aria-level="1">Save $1,000,000 for retirement</li>
<li style="font-weight: 400;" aria-level="1">Pay off all credit card debt&nbsp;</li>
<li style="font-weight: 400;" aria-level="1">Pay off all student loans</li>
<li style="font-weight: 400;" aria-level="1">Save $20,000 for a down payment on a house&nbsp;</li>
<li style="font-weight: 400;" aria-level="1">Have $100,000 invested&nbsp;</li>
<li style="font-weight: 400;" aria-level="1">Increase your credit score to 800</li>
<li style="font-weight: 400;" aria-level="1">Earn an extra $500/month with a side hustle</li>
<li style="font-weight: 400;" aria-level="1">Save $5,000 for an emergency fund</li>
</ul>
<h3>Step 2: Organize and define your goals</h3>
Give all your goals a time frame. You can group them into 3 baskets: short-term (1 year or less), mid-term (up to 5 years), and long-term (over 5 years).&nbsp;
If you&rsquo;re having trouble coming up with short and medium term goals, take a look at your long term goals and break them down.&nbsp;
Examples:
<ul>
<li style="font-weight: 400;" aria-level="1">Save $1,000,000 for retirement by age 65 (long term)&nbsp;</li>
<ul>
<li style="font-weight: 400;" aria-level="2">This could be further broken down into a simpler, shorter term goal, like &ldquo;save and invest $500/month&rdquo;&nbsp;</li>
</ul>
<li style="font-weight: 400;" aria-level="1">Pay off all credit card debt in 2 years (mid term).&nbsp;</li>
<ul>
<li style="font-weight: 400;" aria-level="2">This could be further broken down by looking at all your credit card debts and coming up with a month-by-month debt payoff plan</li>
</ul>
<li style="font-weight: 400;" aria-level="1">Earn an extra $500/month with a side hustle by the end of the year (short term)</li>
</ul>
<h3>Step 3: Monitor and update your goals EVERY month</h3>
This is key to staying on track. I&rsquo;d recommend reviewing and updating your goals on the same day that you review and recalculate your net worth.&nbsp;
<h2>3. Open the Right Accounts</h2>
You should have, at minimum, four different accounts in your personal finance system:
<ol>
<li style="font-weight: 400;" aria-level="1">Checking account - This will be your hub. It&rsquo;ll be used to receive money, pay bills, and funnel money into other accounts.</li>
<li style="font-weight: 400;" aria-level="1">Savings account - This is where you&rsquo;ll put money for short term savings goals like birthday gifts and vacation funds.</li>
<li style="font-weight: 400;" aria-level="1">High-yield savings account or money market account - This will be for your emergency fund (more on this later). It&rsquo;s good to keep your emergency money separate from your regular savings account so you don&rsquo;t accidentally spend it. <a href="https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/">Find account options here</a>.</li>
<li style="font-weight: 400;" aria-level="1">Retirement account - This is a tax-advantaged account that can hold cash and a variety of investments. To get started, first check if your employer offers a <a href="https://www.investopedia.com/articles/personal-finance/112315/how-401k-matching-works.asp">401k plan with matching</a>. If they do, max that out before opening an <a href="https://www.investopedia.com/retirement/roth-vs-traditional-ira-which-is-right-for-you/">individual retirement account</a>.&nbsp;</li>
</ol>
Note that you shouldn&rsquo;t be paying any monthly fees to keep your accounts open. If your bank is charging you, find a new bank. Many will be more than happy to accept your business.
Also, keep in mind that this is a starting point. If more bank accounts help you feel more organized and in control of your money, feel free to add them on to your system!&nbsp;
<h2>4. Understand Budgeting</h2>
Budgeting has a negative connotation but it really shouldn&rsquo;t be something that stresses you out or makes you feel constrained.&nbsp;
As John Maxwell said, &ldquo;A budget is telling your money where to go, instead of wondering where it went.&rdquo;&nbsp;
Once you start thinking about it like that, creating a budget gets a bit more exciting. YOU get to decide where your money goes. And now that you&rsquo;ve (hopefully) written down some financial goals, you should have a good idea of where you need to put your money to achieve them.
Keep in mind, you don&rsquo;t need to get super fancy or complicated with your budget. Simply knowing how much money you bring in and how much you typically spend in a given month is a great start. From there, you can work on seeing which expenses you might be able to cut or reduce in order to meet your goals.&nbsp;
Speaking of cutting expenses&hellip;
<h2>5. Embrace Frugality</h2>
There&rsquo;s a classic personal finance book called The Millionaire Next Door that details the habits and lifestyles of American&rsquo;s typical millionaires...and the results might surprise you.&nbsp;
The general finding in the book is that most millionaires don&rsquo;t look wealthy. They don&rsquo;t drive fancy cars or wear expensive suits or even live in mansions. Instead, a large majority of the most successful accumulators of wealth are quite frugal. They shop at discount stores, buy used cars, and live in modest neighborhoods.
On the other hand, many of the people with flashy cars, expensive watches, and big homes -- while looking rich -- are often living paycheck to paycheck without much wealth to their name.
Moral of the story? Don&rsquo;t consume just to consume. Learn to find joy in deal hunting. That way, you can save the majority of your money for the things that really matter to you. 
<h2>6. Always Pay Yourself First</h2>
The term &ldquo;pay yourself first&rdquo; is said to have <a href="https://qz.com/813644/the-worlds-most-popular-money-tip-came-from-a-map-maker-whose-business-got-crushed-by-the-great-depression/">been coined by</a> George S. Clason (author of <a href="https://www.swiftsalary.com/the-richest-man-in-babylon-summary-review/">The Richest Man in Babylon</a>), and it&rsquo;s pretty much the epitome of personal finance basics.&nbsp;
In fact, if there&rsquo;s ONE concept you take away from this article, it should be this one.&nbsp;
But, what exactly does it mean to pay yourself first?&nbsp;
Simple:
As soon as you get paid for work you&rsquo;ve done, take a portion of your earnings (10% is a good starting point) and set them aside for yourself and no one else. Then, use the remaining money as you usually would for bills and such.&nbsp;
If you can consistently do this over the years (without spending the money), you&rsquo;ll build up a nice stockpile of savings. And after a while, you&rsquo;ll get so used to setting the money aside that you won&rsquo;t even notice it missing.
<h2>7. Don&rsquo;t Carry Credit Card Debt</h2>
Credit cards carry some of, if not THE highest interest rates compared to any other debt out there. As of 2021, the average credit card interest rate, according to <a href="https://wallethub.com/edu/cc/credit-card-landscape-report/24927#interest-rates">WalletHub</a>, is anywhere from 14.75%-18.24%.&nbsp;
That means if you carry a $1,000 balance on your card, you&rsquo;ll pay anywhere from $147.50-$182.40 per year in interest. (In most cases, you&rsquo;ll actually pay even more than that since most credit cards compound interest daily.)&nbsp;
On top of that, carrying a high balance on your credit card can actually decrease your credit score. This is due to something called the <a href="https://www.experian.com/blogs/ask-experian/credit-education/score-basics/credit-utilization-rate/">credit utilization rate</a>. How this basically works is, if you&rsquo;re consistently using 30% or more of your overall available credit (e.g. you have a $1,000 balance on a credit card with a $3,000 limit), your credit score might take a hit.&nbsp;
For these reasons, you should always pay off your credit card bill in full every single month. In other words, if you can&rsquo;t buy something with the cash in your account, don&rsquo;t buy it at all.
<h2>8. Keep an Emergency Fund</h2>
Speaking of credit card debt, a big <a href="https://www.fool.com/the-ascent/credit-cards/articles/why-do-so-many-people-end-up-with-credit-card-debt/">cause of it</a> is due to emergencies. That&rsquo;s why it&rsquo;s a good idea to always have an emergency fund on hand.
Your emergency fund will exist to cover things like:
<ul>
<li style="font-weight: 400;" aria-level="1">Medical bills</li>
<li style="font-weight: 400;" aria-level="1">Car repairs</li>
<li style="font-weight: 400;" aria-level="1">Home repairs</li>
<li style="font-weight: 400;" aria-level="1">Pet emergencies</li>
<li style="font-weight: 400;" aria-level="1">Job loss; etc.</li>
</ul>
To get started, build your fund to $1,000, and then continue to add to it from there. Most experts recommend saving at least 3-6 months worth of expenses depending on your financial situation. You can use <a href="https://www.swiftsalary.com/emergency-fund-calculator/">this calculator</a> to figure out how much that is for you.
<h2>9. Put Your Money to Work</h2>
Most bank accounts -- even high-interest ones -- don&rsquo;t beat inflation. In other words, $1,000 in your account today may only get you $985 worth of groceries next year. It&rsquo;s a small difference, but over time, it adds up.&nbsp;
For that reason, there are really only two situations where you should have money sitting idly in a savings account:
<ol>
<li style="font-weight: 400;" aria-level="1">For your emergency fund</li>
<li style="font-weight: 400;" aria-level="1">For short term goals and payments</li>
</ol>
Any other <a href="https://eurekasurveys.com/blog/what-to-do-with-the-extra-money-you-earn-from-eureka">extra money</a> you have lying around should be put to work in more productive ways, like, for example, by investing it in the stock market.&nbsp;
While investing in stocks may seem overwhelming and confusing at first, these days, it&rsquo;s really easy to get started.&nbsp;
If you&rsquo;re a complete beginner and you&rsquo;re looking for something hands off, try a <a href="https://www.investopedia.com/best-robo-advisors-4693125">robo-advisor</a>. It&rsquo;s like having a human financial advisor, except much cheaper and you can set things up from your couch.
Or, if you&rsquo;d prefer to pick your own stocks, try something like <a href="https://robinhood.com/us/en/">Robinhood</a> or <a href="http://webull.com">WeBull</a>. These are commission-free brokerages that you can use directly from your smartphone to invest in companies like Tesla, Facebook, Google, and many more. Just be sure to do your research first, and remember that <a href="https://www.cnbc.com/2020/09/18/stock-picking-has-a-terrible-track-record-and-its-getting-worse.html">most active investors actually perform worse than passive index fund investors</a>!
Besides stocks, there are other ways to put your savings to work as well, even if you only have a <a href="https://eurekasurveys.com/blog/how-to-invest-with-little-money-9-way-for-beginners">little bit of money to invest</a>. For example, after getting comfortable investing in stocks, you may want to look into things like <a href="https://coinmarketcap.com/">crypto</a>, <a href="https://fundrise.com/">crowdfunded real estate</a>, <a href="https://masterworks.io/">art</a>, and other alternative investments.&nbsp;
<h2>10. Learn How to Automate</h2>
A list of personal finance basics wouldn&rsquo;t be complete without talking about automation.&nbsp;
Nowadays, there are a bunch of different areas of your finances that you can automate to not only save time, but also make achieving your financial goals 10x easier.
For example, instead of having to think about paying yourself first, you could simply set up your checking account so that after you receive a paycheck, 10% of it is automatically sent to your investment account.&nbsp;
As another example, you could set up an automatic credit card payment to save yourself time and avoid any potential late fees or interest charges.&nbsp;
Of course, you may still need or want to track certain things manually (like your net worth), but in the right situations, a bit of automation magic can save you time transferring funds, paying bills, and more.&nbsp;
<h2>Bonus: Earn Money on the Side</h2>
This isn&rsquo;t exactly a key to financial success, but it sure can speed things up! By earning extra money outside of your 9-5, you&rsquo;ll not only be able to accomplish your financial goals more quickly, but you&rsquo;ll also learn new skills and/or improve your current skills, which can pay dividends later on in life.
If you&rsquo;re looking for something easy to get started with, check out these <a href="https://eurekasurveys.com/blog/how-to-make-money-with-your-phone">ways to make money with your phone</a>!

10 Basics of Personal Finance That Everyone Should Follow

No matter what anyone else tells you, believe us when we say there is NO such thing as a free gift card generator. If you want to get free gift cards online, you&rsquo;re going to either have to earn them or win them.&nbsp;
Luckily, there are actually a lot of different ways to do this.&nbsp;
Below, we&rsquo;ll show you how to earn gift cards by completing small tasks, searching the web, downloading apps, playing games, going shopping, and more. And if you&rsquo;re feeling lucky, we&rsquo;ll also show you how to win gift cards through sweepstakes and giveaways!&nbsp;
Ready to get started? This first one is our personal favorite:
<h2>1. Answer Paid Surveys</h2>
Survey sites have been sending free gift cards to users since the early days of the internet, and they&rsquo;re not going away any time soon.
If you want to get a piece of the action, try <a href="https://eurekasurveys.com/respondents">Eureka</a>! We offer paid surveys <a href="https://eurekasurveys.com/respondents">through our website</a> and mobile apps (available on both <a href="https://apps.apple.com/us/app/eureka-cash-for-surveys/id1466346433">iOS</a> and <a href="https://play.google.com/store/apps/details?id=com.eureka.android">Android</a>) and have over 70 different gift card payout options to choose from.&nbsp;
Here are a few <a href="https://eurekasurveys.com/blog/why-eureka-is-the-best-survey-site-on-the-internet">things that make us stand out from the competition</a>:
<ol>
<li style="font-weight: 400;" aria-level="1">When you request a payout, we send it the very same day&nbsp;</li>
<li style="font-weight: 400;" aria-level="1">If you&rsquo;re disqualified from a survey, you&rsquo;ll still earn some cash</li>
<li style="font-weight: 400;" aria-level="1">We pay in dollars instead of using a confusing points system</li>
</ol>
<h2>2. Search the Web</h2>
If you&rsquo;d prefer to get your gift cards without having to complete offers, this idea is right up your alley. With the opportunities below, all you have to do is search the internet as you regularly would, and you&rsquo;ll slowly earn points or cash towards the gift card of your choice.&nbsp;
<h3>Qmee</h3>
To get started with <a href="https://www.qmee.com/">Qmee</a>, simply sign up and add the Qmee extension to your browser. After it&rsquo;s activated, you&rsquo;ll start seeing sponsored ads on the side of search results. Occasionally, these ads will pay you a few cents for clicking them.
It&rsquo;s not a lot, but it&rsquo;s quite effortless and the earnings do add up. Once you earn $5-$10, you&rsquo;ll be able to cash out a gift card of your choice.&nbsp;
<h3>Microsoft Rewards</h3>
If you&rsquo;re willing to switch up your primary search engine from Google to Bing, Microsoft will reward you with up to three <a href="https://www.microsoft.com/en-us/rewards">Microsoft Rewards</a> points for each search you make. One point is only worth about a tenth of a cent, but if you make a lot of searches per day, it adds up.&nbsp;
Tip: To make the most of the program, be sure to make Bing the default browser across all of your devices -- and make sure you&rsquo;re logged into your Microsoft account. You can also combine this program with the Qmee paid search extension to earn even more with each search.
<h2>3. Share Your Mobile Usage Habits</h2>
Of all the options on this list, this is probably the most passive way to earn free gift cards online. All you need to do is join the <a href="https://computermobilepanel.nielsen.com/ui/US/en/globalpanelsites.html">Nielsen Computer and Mobile Panel</a>, download their app, and then use your phone as you normally would.
In the background, the app will gather information on things like the sites you visit, how long you stay on those sites for, the apps you use, and other ways in which you use your device. (Don&rsquo;t worry, it won&rsquo;t look at things like your texts, passwords, baking info, or anything else super sensitive.)&nbsp;
With the data that is collected, Nielsen combines and compiles it anonymously into reports for their clients, who use the insights to improve their marketing strategies. That's why they&rsquo;re willing to pay you each month for contributing.&nbsp;
With a mobile device on the panel, you&rsquo;ll earn up to $50/year in points, which can be redeemed for gift cards and other prizes.&nbsp;
<h2>4. Play Games</h2>
Yep, you can earn free gift cards while playing games -- and you don&rsquo;t even have to be a professional gamer or famous Twitch streamer!
To get started, check out <a href="https://www.swagbucks.com/">Swagbucks</a>. They have a pretty big selection of paid games on their platform, split into three different categories:
<ol>
<li style="font-weight: 400;" aria-level="1">Cash games - These are pay to play. You&rsquo;ll be betting your cash against other players and Swagbucks will pay you cashback on any money you deposit.</li>
<li style="font-weight: 400;" aria-level="1">Mobile games - These are iOS and Android games. You&rsquo;ll get paid to download them and complete specific in-game milestones.&nbsp;</li>
<li style="font-weight: 400;" aria-level="1">Free games - Hosted right on Swagbucks, these are little arcade games that pay up to 10 Swagbucks ($0.10) each per day.</li>
</ol>
<h2>5. Buy Discount Gift Cards</h2>
While this option requires you to spend some of your own money, you&rsquo;ll still end up with some free cash at the end. For example, you might be able to buy a $50 Walmart gift card for $45 or less, giving you an easy $5+.&nbsp;
Why would anybody ever sell a gift card at a discount, you ask? Well, most of the time it&rsquo;s because they don&rsquo;t ever plan on using the card themselves, so they&rsquo;d rather just trade it out for cash -- even if it is a bit less. And this happens a lot more often than you might think.
On <a href="http://www.raise.com">Raise</a>, a popular gift card marketplace, you can find hundreds of discount gift cards up to 30% off across over 1,100 different brands.&nbsp;
There&rsquo;s also a <a href="https://www.reddit.com/r/giftcardexchange/">subreddit</a> for gift card exchanges where several trades happen per day.
Needless to say, if you know you&rsquo;re going to be shopping somewhere in the future, you might as well get a discount gift card first for some easy, instant savings.
<h2>6. Go Shopping</h2>
Now that you&rsquo;ve got your discount gift card, time to use it! While you&rsquo;re at the stores or shopping online, you can earn even more free gift cards with these programs:
<h3>Honey&nbsp;</h3>
<a href="https://www.joinhoney.com/">Honey&rsquo;s</a> primary function is to help you automatically find coupon codes when shopping online, but when it fails to do that, it&rsquo;ll sometimes pay you with Honey Gold. Once you earn 10,000 Gold, you can redeem it for a free gift card of your choice.
<h3>Shopkick</h3>
<a href="https://www.shopkick.com/">Shopkick</a> allows you to earn free gift cards with and without spending money. They&rsquo;ll pay you to do things like visit stores, scan certain product barcodes, watch promotional videos, learn about new products, and of course, make purchases.&nbsp;
As you complete different tasks, you&rsquo;ll earn points known as Kicks. Earn at least 500 kicks ($2 worth), and you&rsquo;ll be able to cash out for a free gift card.
<h3>Credit Card Rewards</h3>
If you&rsquo;re not shopping with a discount gift card, a rewards credit card is the next best choice. Most rewards cards will allow you to redeem your points for gift cards, products, and other goodies. Just make sure to pay off your card balance in full each month, otherwise you&rsquo;ll end up paying more in interest than your rewards will be worth!
<h2>7. Scan Receipts</h2>
After you&rsquo;re finished shopping, there&rsquo;s one last thing you can do to maximize your free gift card potential: scan your receipts! There are a number of different apps and websites that will reward you for this:
<h3>Ibotta</h3>
To get paid for your receipts on <a href="https://ibotta.com/">Ibotta</a>, you&rsquo;ll first need to open up the app and add some offers/products to your account. Once you&rsquo;ve done that, go ahead and buy those products (either online or in-store) and then upload the receipt(s) to your Ibotta account. Within a day or two, you&rsquo;ll receive your cashback.
Once you have at least $20 in your account, you can cash it out for a gift card of your choice.&nbsp;
<h3>Fetch Rewards</h3>
<a href="https://www.fetchrewards.com/">Fetch Rewards</a> is a lot more straightforward compared to Ibotta. This app will accept any receipt from any store with any products on it. All you need to do is remember to scan! Once you&rsquo;ve earned at least $3 worth of points, you can redeem a gift card.
<h2>8. Enter Sweepstakes</h2>
Sweepstakes are really the only way to win gift cards without trading your time or data. And sure, they&rsquo;re sort of a shot in the dark, but if you find ones that are a bit lesser-known you can definitely turn the odds in your favor.&nbsp;
For ideas on where active sweepstakes and gift card giveaways are happening, check out <a href="https://sweepstakesfanatics.com/gift-card-sweepstakes/">SweepstakesFanatics.com</a>.
You can also try going on Instagram or another social media platform and searching for tags like #giftcardgiveaway #freegiftcardgiveaway #[insert brand name]giftcards and other variations. Good luck!
<h2>9. Refer Your Friends</h2>
Last but definitely not least, some of the apps and sites mentioned above offer lucrative referral programs that you can take advantage of. Ibotta, for example, will pay you $10+ for each new user you send to the app who redeems an offer. That&rsquo;s enough to get you halfway to a gift card redemption!
If you have a large number of followers on social media, you can post your unique referral links on those platforms too -- and the earnings can add up fast. Just make sure your recommendations are genuine!
<h2>Final Thoughts</h2>
There you have it! If you consistently take advantage of a few of the opportunities above you should be able to save some money and get several free gift cards each year. This can be an awesome way to fund gift purchases, personal wants, restaurant visits, <a href="https://eurekasurveys.com/blog/what-to-do-with-the-extra-money-you-earn-from-eureka">and more</a>!

How to Earn Free Gift Cards Online (Top 9 Ways)

To some, investing with little money can seem like a waste of time. But, that couldn&rsquo;t be further from the truth. Starting small is actually extremely beneficial, for three main reasons:
<ol>
<li style="font-weight: 400;" aria-level="1">Consistency. No matter how much money you have to invest, the simple habit of putting money aside each month is a key one to build.</li>
<li style="font-weight: 400;" aria-level="1">There&rsquo;s less to lose. If you&rsquo;re a beginner investor, you&rsquo;re bound to make mistakes. Starting small means those mistakes will cost you less while still teaching you extremely valuable lessons.</li>
<li style="font-weight: 400;" aria-level="1">Compound interest. The longer you keep your cash invested (even if it&rsquo;s not much), the more times it can multiply itself.&nbsp;</li>
</ol>
In the end, learning how to invest with a small amount of money will save you money in the short term and make you a better investor in the long term.
That said, don&rsquo;t start investing just yet! 
<h2>5 Things to Do Before You Start Investing</h2>
Although investing is a great and exciting way to grow your wealth, there are a handful of things you should do before investing a single dime.&nbsp;
<h2>1. Calculate your net worth</h2>
This is super easy to do. Grab a piece of paper or load up a fresh spreadsheet and list out two things:&nbsp;
<ol>
<li style="font-weight: 400;" aria-level="1">Your assets (e.g. cash, savings, investments, car, home equity, etc.); and&nbsp;</li>
<li style="font-weight: 400;" aria-level="1">Your liabilities (e.g. credit card debt, mortgage, car loan, etc.).&nbsp;</li>
</ol>
Once you&rsquo;ve done that, add up the total value of all of your assets, and then subtract that number by the total value of all your liabilities.
Congrats! You&rsquo;ve just calculated your net worth, which gives you a nice overview of your financial situation. It also gives you a good starting point for your investing journey.&nbsp;
<h2>2. Pay off high interest debt</h2>
If after calculating your net worth you notice that you have a lot of high-interest debt on the liabilities side of things, paying those debts off should be your top priority before you start investing.
Why? Well, think about it this way:
Paying off a piece of debt with a 10% annual interest rate essentially gives you a guaranteed 10% return on your money. While it&rsquo;s not impossible to match or beat that sort of rate through investing, it&rsquo;s definitely not guaranteed.&nbsp;
So, if you have any debts with interest rates above 5%, it&rsquo;s a good idea to put your extra cash flow into paying those off before you start investing.&nbsp;
<h2>3. Build an emergency fund to $1,000</h2>
By building a $1,000 emergency fund, you&rsquo;ll be able to cover things like car repairs and other small emergencies without having to take on debt or dip into your investments early.
Keep in mind: $1,000 won&rsquo;t cover a lot. Most experts recommend having a fund that can cover 3-6 months worth of expenses in case of job loss and other larger emergencies.&nbsp;
For that reason, once you hit $1,000, you should continue to add money to your fund while you invest. For example, if you have $500 extra each month, you could invest $250 while putting $250 into your emergency fund. That way, you&rsquo;ll be taking advantage of the power of compound interest while preparing for emergencies at the same time.&nbsp;
<h2>4. Check if your employer offers 401(k) matching</h2>
If they do, max it out! 401(k) matching is essentially free money.&nbsp;
Here&rsquo;s an example of how it works:
Let&rsquo;s say your company offers a 100% match on your 401(k) deposits, up to 5% of your salary. That would mean if you make $50,000/year, you could deposit $2,500 into your 401(k) and your employer would match it with their own $2,500.&nbsp;
Of course, the rules will be different at every company. Your employer might only match 50% of your deposits, or you might not have 401(k) matching at all. Be sure to check with your employer or HR manager to be sure.&nbsp;
As a bonus, contributing to a 401(k) also lowers your taxable income for the year, so it&rsquo;s a pretty sweet thing to take advantage of.
<h2>5. Determine your strategy and goals</h2>
First off, realize that investing isn&rsquo;t a get rich quick scheme. Any investments that promise fast and massive returns are almost guaranteed to result in the opposite.&nbsp;
As George Soros <a href="https://quotefancy.com/quote/1421955/George-Soros-If-investing-is-entertaining-if-you-re-having-fun-you-re-probably-not-making">once said</a>, &ldquo;If investing is entertaining, if you&rsquo;re having fun, you&rsquo;re probably not making any money. Good investing is boring.&rdquo;&nbsp;
Be in it for the long haul and stay consistent and you&rsquo;ll guarantee yourself a nice financial future, even if you only have a little money to invest.
Take <a href="https://www.cnbc.com/2016/08/29/janitor-secretly-amassed-an-8-million-fortune.html">Ronald Read&rsquo;s story</a> as an example. As a janitor, he wasn&rsquo;t receiving a huge paycheck, but by the time he passed away he had amassed over $8 million. His strategy? Saving as much money as he could and investing with a long-term mindset in companies he believed in.
Before you start investing, consider why you&rsquo;re investing in the first place. Think about your goals. Once you know what you want to achieve, it&rsquo;ll be easier to figure out which investments below suit you best. 
<h2>9 Easy Ways to Invest With Little Money</h2>
<h2>1. Open a high-yield savings account</h2>
A savings account isn&rsquo;t exactly an investment, but if you&rsquo;re just getting started, simply building the habit of putting a part of your paycheck away each month is the first big step you need to take.&nbsp;&nbsp;
Once you&rsquo;re comfortable with consistently saving your money, investing it will be a natural next step.
Putting your money into a savings account doesn&rsquo;t have to be completely fruitless either. Be sure to look around for a high-yield savings account with no monthly fees in order to max out your returns.&nbsp;
If your brick and mortar bank doesn&rsquo;t provide any low-fee high-yield savings accounts, check out online banks like <a href="https://www.ally.com/bank/online-savings-account/">Ally</a>. They have lower operating costs and can therefore offer higher returns on their accounts.&nbsp;
<h2>2. Invest in learning a new skill</h2>
Investing in yourself is probably the greatest investment you can make, especially if you only have a little bit of cash to spare.&nbsp;
To give you an example of why, let&rsquo;s say you have $50 to invest. If you put that money in the stock market with an average annual return rate of 8%, in 10 years you&rsquo;ll have around $107.95. Nice job, you more than doubled your money!
But, don&rsquo;t get too excited just yet...
Let&rsquo;s imagine instead of putting that $50 into stocks, you used it to buy a course on Udemy to learn local SEO. Then, you took the skills you gained from that course, pitched businesses in your area to help them improve their SEO, and charged $250 for your services. This would require much more time and effort than the stock investing route, but the income potential here is much higher.
Also, even if you don&rsquo;t have enough money for a Udemy course, Skillshare subscription, or other paid training program, the internet is filled with free educational resources. For example, if you&rsquo;re interested in learning how to code, Codecademy offers free training and is a great place to start.
Whichever route you decide on, learning a monetizable skill is an investment that will serve you for the rest of your life. 
<h2>3. Invest in a business idea</h2>
If you already have a skill you think you could monetize, use it! Take the little money you have and invest it into starting a business.
For example, if you enjoy cars and you know how to make them look good, you could <a href="https://www.swiftsalary.com/how-to-start-a-mobile-detailing-business/">start a simple mobile detailing business</a>. Just take the skills you already have, invest in some additional supplies, and get started selling your services to family and friends.
As another example, if you have an eye for vintage electronics, high-end fashion, baseball cards, or something else, take a small amount of money to the thrift store or a garage sale and invest in inventory. Flip it for a profit, then rinse and repeat.
Or hey, if you&rsquo;re more of a crafty type, invest in some supplies and make something that you can sell on Etsy. There are so many possibilities!
<h2>4. Get a robo-advisor to invest for you</h2>
If you&rsquo;re a beginner investor and you&rsquo;re looking for an easy, hands off way to start investing, a robo-advisor is a great low cost option.&nbsp;
To get started, all you have to do is sign up for the service of your choosing, answer a few questions related to your financial situation and goals, set up a funding method for your account, and then let the robot do it&rsquo;s thing!
Based on your goals, the robo-advisor will automatically invest your money into a personalized and diversified portfolio, typically consisting of low-cost <a href="https://www.investopedia.com/terms/e/etf.asp">ETFs</a>.&nbsp;
Here are some popular robo-advisors you can look into to learn more:
<ul>
<li style="font-weight: 400;" aria-level="1"><a href="https://www.betterment.com/investing/">Betterment</a></li>
<li style="font-weight: 400;" aria-level="1"><a href="https://www.wealthfront.com/investing">Wealthfront</a></li>
<li style="font-weight: 400;" aria-level="1"><a href="https://www.wealthsimple.com/en-ca/product/invest">Wealthsimple</a></li>
<li style="font-weight: 400;" aria-level="1"><a href="https://www.acorns.com/invest/">Acorns</a></li>
</ul>
Some robo-advisors, like Acorns and Wealthsimple, will even help you build your portfolio through spare change investments. They&rsquo;ll monitor your transactions, round-up your purchases, and then invest the extra automatically (e.g. $1.25 &rarr; $2.00 = $0.75 invested). This is a really neat way to start investing with literal cents!
<h2>5. Build your own stock portfolio commission-free</h2>
If you&rsquo;d rather be more involved in building your portfolio, no problem! These days, opening up a brokerage account and trading stocks is extremely easy and affordable.
For example, with <a href="https://robinhood.com/us/en/">Robinhood</a>, you can start trading stocks commission-free with as little as $1. And with the ability to buy fractional shares of stock, you can invest in almost any company you want -- even if you don&rsquo;t have enough money for a full share. This makes it much easier to diversify your portfolio.
Heads up! While building a portfolio manually is more exciting than having a robo-advisor do it for you, it also leaves more room for error. Be sure to do your homework before deciding on where to invest your hard-earned money!
<h2>6. Buy a slice of real-estate</h2>
Investing in real estate would typically take thousands -- if not hundreds of thousands -- of dollars, so why is it being included on a list of ways to invest with little money?
Well, nowadays, there&rsquo;s this cool thing called real estate crowdfunding.&nbsp;
See, when a company or individual finds an opportunity to invest in real estate, but they don&rsquo;t have enough money to fund the project themselves, they turn to other investors. Those investors pool their money together to fund the project, and then they get a share of the profits generated by the property.&nbsp;
While this still might seem out of reach to small investors, the internet has made things very accessible. For example, on <a href="https://fundrise.com/">Fundrise</a> (one of the most popular platforms for real estate crowdfunding), you can get started with as little as $500.&nbsp;&nbsp;
<h2>7. Own a piece of fine art</h2>
<a href="https://www.masterworks.io/">Masterworks</a> -- similar to Fundrise with real-estate -- utilizes crowdfunding to make it possible for anyone to invest in art from a variety of famous artists like Andy Warhol, Banksy, Kaws, and many more.
Here&rsquo;s how it works:
After the Masterworks team researches and purchases a piece of art that they believe has the best chance of appreciating in price, they securitize it and break it down into individual shares for investors to purchase. These shares can either be held onto until a sale of the painting (which investors must vote on), or they can be sold early to other investors on Masterworks&rsquo; secondary market.
Keep in mind, Masterworks started in 2017, so it&rsquo;s still pretty new. So far, they&rsquo;ve only actually sold one piece, <a href="https://www.masterworks.io/research/post/O0p5MYsza0Y6YcC2Pu6jb">Banksy&rsquo;s &ldquo;Mona Lisa&rdquo;</a>, for an annualized return of 32%. That&rsquo;s an impressive return, but their overall track record is limited.
Still, it&rsquo;s a unique opportunity, and you can get started with no minimum deposit, so it could be an interesting way to diversify your portfolio if you have an eye for art! 
<h2>8. Purchase a bit of cryptocurrency</h2>
Of all the ways to invest with little money, purchasing cryptocurrency may be the most tempting. Hearing that a $100 investment in Bitcoin in 2010 would be worth <a href="https://www.cnbc.com/2021/02/12/how-much-youd-have-today-if-you-invested-100-in-bitcoin-in-2009.html">around $48 million</a> today is enough to get anyone's imagination running wild.
But, don&rsquo;t get too carried away. Bitcoin was -- and still is -- an extremely volatile investment, and it&rsquo;s not 2010 anymore. There&rsquo;s no way to predict what the future of the crypto market will look like.
And, as we mentioned above, getting into an investment with the sole idea of &ldquo;getting rich quick&rdquo; is never a good idea.&nbsp;
That said, if you believe in the underlying technology of Bitcoin and other cryptocurrencies, and you&rsquo;re willing to learn more about them before you invest, they can definitely be a worthy addition to any portfolio.&nbsp;
You can start investing in crypto with very little money as well.
For example, on Coinbase (one of the largest and most popular crypto exchanges), you can start buying cryptocurrencies like Bitcoin, Ethereum, Litecoin, Bitcoin Cash, and more, with as little as $2 to start.&nbsp;
Coinbase also has a &ldquo;learn and earn&rdquo; section where you can discover and earn different cryptos while learning about how they work. It&rsquo;s essentially <a href="https://www.swiftsalary.com/how-to-get-free-money/">free money</a>, and it&rsquo;ll expand your knowledge of the market.
If you already have a Robinhood account, you can use that to purchase crypto as well.&nbsp;
<h2>9. Lend some money on Reddit</h2>
The <a href="https://www.reddit.com/r/borrow/">r/borrow subreddit</a> is a peer to peer lending forum that Redditors use to secure short term loans or lend out money for profit.
From an investors standpoint, it&rsquo;s a unique opportunity, but there is a fair bit of risk involved. Loans are unsecured, and even though there are rules in place to prevent scammers, they&rsquo;re not foolproof.
Still, if you&rsquo;re willing to take on the risk, the returns you&rsquo;ll find here can be quite impressive. For example, a small $25 loan on the subreddit might net you $30 within a day or two. That's a quick 20% return on your money (assuming the borrower doesn&rsquo;t default).&nbsp;
<h2>Final Thoughts: Just Start!</h2>
Now that you have some ideas on how to start investing (even with a small amount of cash), don&rsquo;t over complicate things. Get started and learn as you go!
Once you experience the feeling of having your money earn more money for you, you&rsquo;ll be hooked on the idea and it&rsquo;ll get easier and easier to hit your investment goals.&nbsp;
If you&rsquo;re feeling overwhelmed, start with options 1-5 above. They&rsquo;re extremely simple and probably the best choice for beginner investors. Good luck!

How to Invest With Little Money: 9 Way for Beginners

Ok, you just cashed out from Eureka and you have some extra money lying around...now what?
First off, good on you for looking for alternative things to do with your hard-earned cash! Most people already know what they want to do with the extra cash they make: spend it!
While that&rsquo;s the easiest (and typically most enjoyable) option, if you want to grow your wealth, there are some other important things to consider before spending your cash willy-nilly.
<h2>1. Pay Off High-Interest Debt</h2>
This isn&rsquo;t the most exciting option around, but if you have any high-interest debt weighing you down, it&rsquo;s best to get rid of it as soon as possible.
If you&rsquo;re not sure what classifies as &ldquo;high-interest,&rdquo; anything with an annual interest rate above 5% should be a top priority to pay off. Typically, credit cards are the most common sources of high-interest debt for most people.&nbsp;
While it may seem pointless putting an extra $10 toward a large debt, you might be surprised at how much of a difference even a small amount of extra money can make in your debt payoff plan.
For example, let&rsquo;s say you have $1,000 in credit card debt at an annual interest rate of 20%. If you pay off the debt $100/month at a time, it&rsquo;ll take you about a year to pay off and you&rsquo;ll end up paying around $103 in interest.
On the flip side, if you pay $110/month instead -- just an extra $10/month -- it&rsquo;ll take you 2 months less to pay off your debt and you&rsquo;ll save $10 in interest payments. Not too shabby!
If you have multiple high-interest loans to pay off, there are two popular strategies you can follow:
<h3>Debt Snowball</h3>
This strategy involves paying off the smallest debt first, without worrying about interest rates.&nbsp;
For example, if you have two credit cards -- credit card A and credit card B -- and credit card A has a $1,000 balance while credit card B has a $5,000 balance, you&rsquo;d put all your extra money into paying off credit card A first, while making the minimum payment on credit card B.
The idea behind this method is that paying off the smallest debt first is easier and more motivating.
<h3>Debt Avalanche&nbsp;</h3>
This strategy involves paying off the highest interest rate debt first.
For example, continuing from the above, if credit card A&rsquo;s interest rate was 15% and credit card B&rsquo;s interest rate was 20%, you&rsquo;d put all your extra money into credit card B first, while making the minimum payment on credit card A.
This strategy follows a more mathematical approach; it&rsquo;s typically faster and will help you save more money on interest payments in the long run.
<h2>2. Build Your Emergency Fund</h2>
This option is, again, not that exciting, but it can be a real lifesaver (and money saver).&nbsp;
An emergency fund is a sum of money set aside strictly for emergencies like job loss, medical bills, car repairs, vet bills, and similar.
Things like last minute birthday gifts, on the other hand, should not be funded with your emergency money.&nbsp;
In other words:
If it&rsquo;s not absolutely essential or life-threatening, you shouldn&rsquo;t use your emergency fund for it. That way, when a real emergency does arise, you&rsquo;ll already have the cash on hand to cover it without needing to resort to credit cards or other high-interest loans.&nbsp;
To start your emergency fund, make it a goal to save up $500-$1,000. This isn&rsquo;t a lot, but it will cover small emergencies. Over time, expand your fund to be able to cover 3-6 months worth of essential living expenses. That way, you&rsquo;re covered for bigger emergencies like job loss.
For storage, try to keep your emergency fund separate from your regular savings account so that you don&rsquo;t accidentally dip into it -- but make sure it&rsquo;s still easily accessible. A high-interest online savings account can be a good choice for this.
<h2>3. Set Cash Aside for Irregular Expenses</h2>
In addition to setting money aside for emergencies, you should also consistently set money aside each month for irregular expenses like:
<ul>
<li style="font-weight: 400;" aria-level="1">Gift-giving (e.g. birthday gifts, Christmas, etc.)</li>
<li style="font-weight: 400;" aria-level="1">Hair cuts</li>
<li style="font-weight: 400;" aria-level="1">New clothes</li>
<li style="font-weight: 400;" aria-level="1">Quarterly or yearly subscriptions; and more</li>
</ul>
These expenses aren&rsquo;t exactly emergencies, but they are things that you&rsquo;ll most likely need money for throughout the year. By making it a habit to set aside a small amount each month for them, you won&rsquo;t have to worry about taking on debt to fund them when they do come around.
Similar to your emergency fund, it&rsquo;s a good idea to keep the money you save for irregular expenses separate from your main savings account.
<h2>4. Invest In Your Favorite Stocks</h2>
You might only be cashing out $10 from Eureka, but that doesn&rsquo;t mean you can&rsquo;t use that money to invest in big companies like Apple, Google, Tesla, or Disney!&nbsp;
With <a href="https://robinhood.com/us/en/">Robinhood</a>, you can buy fractional shares of stocks, meaning you can invest in almost any company you want with as little as $1.
<h2>5. Fund Another Side Hustle/Business</h2>
If you want to reinvest your extra cash but you&rsquo;re not interested in trading stocks, why not fund another side hustle or business endeavor?&nbsp;
$10 might not seem like enough to reinvest into anything worthwhile, but you&rsquo;d be surprised. Take that money to a thrift shop or garage sale and you could end up turning it into $100 or more if you have a good eye for underpriced goods.&nbsp;
For example, take a look at <a href="https://www.reddit.com/r/Flipping/comments/3r7k1j/what_is_your_best_flip_of_1_item/">this Reddit thread</a> of people sharing super profitable $1 flips. One user found an old &ldquo;Teaching With Calvin and Hobbes&rdquo; textbook for $0.50 and flipped it for $1,100!
Finding extremely profitable flips like this isn&rsquo;t a common occurrence, but turning your $10 into $15-$20, and then repeating the process over and over, is definitely a possibility.
<h2>6. Donate It</h2>
If you&rsquo;re feeling generous and you don&rsquo;t need the cash urgently, why not donate it to a cause that you support? This is a great way to use your extra money to make a difference in the world, and it&rsquo;ll make you feel good, too.
As a small bonus, any charitable donations you make throughout the year are tax deductible.&nbsp;
<h2>7. Treat Yourself</h2>
If you&rsquo;re debt free, already have an emergency fund and savings in place, and you&rsquo;re consistently investing a portion of your income, don&rsquo;t hesitate to use your extra money to treat yourself every once in a while! You&rsquo;ve earned it.
Don&rsquo;t have anything you want right at this moment? Set the money aside for a future vacation, a new gadget, or some other big purchase. This is a great way to get used to setting (and hitting) large financial goals.
<h2>Final Thoughts</h2>
While a bit of &ldquo;extra&rdquo; money here and there might not seem very significant, over time, it adds up! Be sure to use it productively and you&rsquo;ll not only create a better financial future for yourself, you&rsquo;ll also build some great habits while you&rsquo;re at it.

What to Do With the Extra Money You Earn From Eureka

Tired of getting disqualified from paid surveys? We feel your pain.&nbsp;
At Eureka, providing a smooth and fun user experience is our top priority, so we don&rsquo;t like disqualifications either.
Fortunately, there are some easy things you can do to qualify for more surveys on average:
<h2>1. Fill out your profile completed and accurately</h2>
Survey sites use the information in your profile to match you with more relevant surveys, so if your profile is lacking information, or the information is inaccurate, you may receive fewer surveys and experience more disqualifications.
It&rsquo;s a bit of a hassle, but try to fill out your profile fully, and be sure to update it over time to keep things accurate.&nbsp;
<h2>2. Take surveys as soon as they become available</h2>
Surveys can only accept a limited number of responses from each demographic they&rsquo;re targeting, so the sooner you get in, the better chance you have of qualifying. Take too long and you could miss out on the survey completely.
<h2>3. Read survey questions carefully</h2>
Occasionally, surveys will use trick questions -- also known as attention checks -- to catch survey participants who aren&rsquo;t fully paying attention.
For example, an attention check might ask something like, &ldquo;What color is the sky?&rdquo; and then say right after to &ldquo;Please select the answer &lsquo;green&rsquo; so that we know you&rsquo;re paying attention.&rdquo;
Most attention checks are even sneakier than that, but you get the point. If you were speeding through the survey trying to make a quick buck, you&rsquo;d most likely not read the entire question and quickly select &lsquo;blue&rsquo; as the color of the sky. That would result in an instant disqualification.
Attention checks can happen at any time -- even right near the end of a survey -- so watch out!
<h2>4. Take your time&nbsp;</h2>
Speaking of speeding through surveys, that&rsquo;s another thing that could get you disqualified. Most survey software these days will track your speed, and if you&rsquo;re answering questions really quickly, you might be automatically flagged as a bot or as someone who isn&rsquo;t putting thought into their answers.&nbsp;
To prevent this from happening, take your time, and, at the least, let survey questions load fully before you select your answer and move on.&nbsp;
<h2>5. Provide honest answers to survey questions&nbsp;</h2>
While it may seem like a good idea to lie in order to qualify for more surveys, this strategy will almost always play out the opposite way you expect it to.&nbsp;
The biggest reason why?
It&rsquo;s almost impossible to know the exact answer(s) a survey is looking for. If you try to game the system by lying, you might actually hurt your chances of qualifying.&nbsp;
On top of that, if your answers aren&rsquo;t consistent throughout an entire survey or they contradict information in your survey profile, you&rsquo;ll most likely get disqualified from the survey you&rsquo;re taking and you might even be banned from the survey platform you&rsquo;re using.
<h2>6. Provide detailed and helpful answers</h2>
Some survey questions require short written responses rather than multiple choice answers. Whenever you come across these types of questions, try to take an extra 30 seconds or so to give a genuinely helpful, 2-3 sentence response.&nbsp;
This will not only help the person conducting the survey get more valuable feedback, it could also get you invited to more surveys in the future.&nbsp;
On the other hand, extremely short or unhelpful responses could do the opposite; they might get you disqualified or even blacklisted from future surveys.
<h2>Bonus Tip: Use Survey Sites That Pay For Disqualifications</h2>
Knowing how to qualify for surveys more often is helpful, but even if you follow the tips above to a tee, you&rsquo;re bound to get disqualified occasionally.&nbsp;
At Eureka, we pay $0.02 for disqualifications as we fully understand how frustrating they can be. It&rsquo;s not a ton, but it&rsquo;s better than nothing (which is what most survey sites pay for DQs).
We&rsquo;re also working to lower disqualification rates across our platform by working directly with companies and brands who want your feedback.&nbsp;
If that sounds like something you&rsquo;d be interested in, <a href="https://eurekasurveys.com/respondents">learn more here.</a>
P.S., paid disqualifications are just one reason why we believe <a href="https://eurekasurveys.com/blog/why-eureka-is-the-best-survey-site-on-the-internet">Eureka is the best survey site on the internet</a>.

How to Qualify for More Surveys

How to Qualify for More Surveys: 6 Simple Tips

In 2021, Statista estimates that there are around <a href="https://www.statista.com/statistics/330695/number-of-smartphone-users-worldwide/">3.8 billion smartphone users worldwide</a>, with the average US user spending <a href="https://www.statista.com/statistics/469983/time-spent-mobile-media-type-usa/#:~:text=Mobile%20media%20usage%20in%20the,minutes%20per%20day%20in%202022.">around 4 hours a day</a> looking at their phone.
The question is, of those 3.8 billion users, how many are using their cell phones to make money?
Probably very few.
Most people either don&rsquo;t know it&rsquo;s possible to make money with mobile apps, or they don&rsquo;t know how to get started.
No worries!
In this guide, we&rsquo;ll break down the top five ways to make money on your phone -- some of which you could start today.
<h2>Top 5 Ways to Make Money With Your Phone</h2>
<h2>1. Take Surveys</h2>
If you&rsquo;ve looked up &ldquo;how to make money on your phone&rdquo; before, or you&rsquo;ve searched the app store for &ldquo;money-making apps,&rdquo; you&rsquo;ve probably come across paid survey apps.&nbsp;
These apps promise to pay you cash for your opinion, and while most of them deliver on this promise, it&rsquo;s almost always a disappointing experience. You sign up with hopes of getting paid for sharing your opinion, only to be faced with frequent disqualifications, bugs, and low pay rates.
At Eureka, we&rsquo;re hoping to change that. By partnering directly with companies who are looking for consumer insights about their brands, products, and services, we&rsquo;re hoping to bring more short, fun, and high-paying surveys to the market -- all while lowering disqualification rates.
You still won&rsquo;t earn a fortune with our surveys, but you can expect an enjoyable experience and some easy cash!
<h2>2. Do Odd Jobs</h2>
Odd job apps are great because they offer a variety of different money-making opportunities -- all of which you can do from your phone.
Some examples of jobs you might find include:
<ul>
<li>Mystery shopping</li>
<li>Babysitting</li>
<li>Tutoring</li>
<li>Furniture assembly</li>
<li>Painting</li>
<li>Organization and cleaning</li>
<li>Moving help</li>
<li>Product testing</li>
<li>And much more!</li>
</ul>
The pay rate for these opportunities will vary depending on the skill required for the task and the app you&rsquo;re tasking on. But just to give you an idea, some taskers doing more intensive work (moving help, cleaning, handyman tasks) are <a href="https://www.reddit.com/r/TaskRabbit/comments/gtd0fr/top_monthly_earnings/">earning $40-$60/hour or more</a>.&nbsp;
For those types of rates, you&rsquo;ll want to sign up for <a href="https://www.taskrabbit.com/become-a-tasker">TaskRabbit</a>. It&rsquo;s one of the largest mobile apps for odd jobs. After signing up, you get to pick the services you want to provide, set your own hourly rates, and TaskRabbit will help you find customers and get paid.
For smaller jobs that don&rsquo;t require as much experience and don&rsquo;t require you to meet directly with clients, try <a href="https://www.fieldagent.net/">Field Agent</a>. It&rsquo;s an app that helps you find small tasks around your city involving mystery shopping, store audits, and product testing. The long-term earning potential here is lower than with TaskRabbit, but the jobs can be fun and they still pay a decent amount.
<h2>3. Download Apps&nbsp;</h2>
It may sound too good to be true, but there really are apps that will pay you just to keep them installed on your phone. The catch is that you&rsquo;ll need to be willing to share some of your data in order to participate.&nbsp;
While this may sound sketchy at first, if you&rsquo;re already sharing a lot of your info online for free, why not get paid for some of it?&nbsp;
You won&rsquo;t be sharing super sensitive information either. Rather than spy on your texts, there are reputable apps out there that will pay you to let them see things like: how often you use your phone, which apps you use, which websites you visit, things like that. They then anonymize and aggregate this data and sell it to companies to help them improve their products and services.
It&rsquo;s still a bit intrusive, but this is one of the easiest (and only) ways to make money on your phone almost entirely passively.&nbsp;
If you&rsquo;re interested and want to learn more, check out the <a href="https://smartapp.io/en-US/">Smart App</a> and <a href="https://computermobilepanel.nielsen.com/">Nielsen Mobile Panel</a>. Both apps will pay you around $5/month to keep them installed.
Another similar opportunity for mobile passive income is to share your internet. Businesses are willing to pay you to essentially access the internet from your phone as it allows them to do location-based research that they couldn&rsquo;t otherwise do.&nbsp;
To learn more, check out <a href="https://www.honeygain.com/">Honeygain</a>. They&rsquo;re the most well-known and trusted in the space.&nbsp;
<h2>4. Create Content</h2>
Social media is often used as an escape from the grind, but it can also be one of the most lucrative mobile money-makers. There&rsquo;s really no limit on how much money you can make as a content creator!
That said, this is also probably one of the most difficult ways to make money with your phone, and it can take a while to start seeing results.
Sure, you could get lucky and have your video of a deep fried turkey blow up and <a href="https://www.nytimes.com/2021/01/15/style/snapchat-spotlight.html">make you half a million dollars</a>, but let's be honest: the chances of that happening are pretty slim.
To create a long-term sustainable business as a social media content creator, you need not only creativity, but a lot of consistency. Social media is extremely fast paced so if you want to grow -- and continue growing -- you&rsquo;ll need to be active.&nbsp;
You&rsquo;ll also need to understand your target audience: who exactly are you speaking to with your content? What do they want to see? Nailing these questions down will help you figure out a sense of direction.
To start, I&rsquo;d recommend thinking of a specific niche. Your niche could be pets, bullet journalling, finance, DIY, drawing, there are tons of different ways you could go. The reason this step is important is because it&rsquo;ll be easier to grow a niche account targeting a specific audience, than a general &ldquo;lifestyle&rdquo; account with no specific audience in mind. To learn more, <a href="https://buffer.com/library/choosing-a-social-media-niche/">here&rsquo;s a good guide to picking a niche</a>.
So, how will this make you any money? Multiple ways:
<ol>
<li>Ad revenue - TikTok and Snapchat Spotlight both offer ways for creators to earn for their views. Upload viral content and you could be looking at a big paycheck. Spotlight pays out <a href="https://support.snapchat.com/en-US/article/spotlight-guidelines">$1 million/day to creators</a> while the <a href="https://newsroom.tiktok.com/en-gb/tiktok-creator-fund-your-questions-answered">TikTok creator fund</a> has <a href="https://www.tubefilter.com/2020/10/01/tiktok-creator-fund-creators-getting-paid-money/">reported earnings</a> of 2-4 cents per 1,000 views.</li>
<li>Donations - Livestreaming on TikTok requires a minimum of 1,000 followers and gives your viewers the option to send you virtual gifts which can be exchanged for real money.</li>
<li>Selling merchandise - Whether you already have a product or you have a plan to create one, social media is a great place to promote. Just take <a href="https://thehustle.co/how-a-tiny-peanut-butter-company-grew-to-500k-per-month-in-sales/">this peanut butter company</a> as an example -- it grew to over $500k/month in sales in under two years with the help of TikTok.</li>
<li>Paid promotions - Influencer marketing is huge right now and companies are paying big bucks for popular influencers to endorse their products. Again, the peanut butter story above is a great example of successful influencer marketing.</li>
<li>Affiliate marketing - This is when you promote a product with a unique link and get paid a commission based on any sales or sign-ups that come from that link. For example, Amazon has an affiliate program that allows affiliates to link out to Amazon products and earn a commission for any sales that come from their clicks. This is a bit more difficult to do on social media, but it can work.</li>
</ol>
<h2>5. Play Games</h2>
Ending off with something that most of us do on our phones already (but for free), yes, there are legit ways to make money playing games on your phone.
How this works is simple: you&rsquo;ll typically have to download an app and play it until you reach a certain level or accomplish a specific set of goals. If you manage to succeed in the required time frame, you&rsquo;ll earn a cash reward ranging from $1 all the way up to $40 or more.
Keep in mind, some of the apps require you to play for quite a while, so this isn&rsquo;t exactly fast money. Still, if you&rsquo;re someone who likes grinding app games anyway, this is a fun way to discover new games and get paid at the same time.
To get started, sign up for <a href="https://www.swiftsalary.com/gpt-sites/">GPT sites</a> like Swagbucks, Prizerebel, and GG2U, then browse over to their paid games sections. Be sure to read the instructions carefully for each game before getting started!

Now that you have some ideas on how to make money with your phone, what are you waiting for? Quit reading and start earning! Good luck!

5 ways to make money with your phone in 2021!

How to Make Money With Your Phone

With so many different survey for money sites out there, it can be hard to choose the one that best fits your needs. While we would love for you to take surveys on Eureka, we understand that it's not for everyone.
The most common questions we get from survey takers are about money: "How much can I earn on your site?", "How can I cash out?", and "How long will it take to receive my cashout?".
Today, we're going to evaluate the top 4 survey sites (including Swagbucks) and answer these questions as simply as we can. To make things easier, we will evaluate each site on seven objective, numerical criteria.
1. Does the site use points? Point values can be changed at any time, meaning that you may be earning less money than you think!
2. What are the site's cashout options and how much money do I need in order to cashout?
3. How long will it take to receive my cashout?
4. Does the site pay if I get disqualified from a survey?
5. Does the site offer a paid daily poll for checking back in every day?
6. Does the site also offer a mobile app?
7. How much does the site pay me for taking my first survey?
<h2 class="c-mrkdwn__pre" data-stringify-type="pre"><a href="https://eurekasurveys.com" rel="follow noopener" target="_blank">Eureka Surveys</a></h2>
1. Points? Nope, no gimmicks here. Your Eureka balance will always be in dollars.
2. Cashout options? PayPal, bank transfer, and over 80 different gift cards! Members need a minimum of $10 to cashout.
3. Cashout time? Eureka Surveys is the only site to offer Instant Cashouts for the majority of our members! Get paid instantly!
4. Payment on disqualification? Yes, Eureka pays 2&cent; upon survey disqualification.
5. Daily poll? Yes, Eureka pays 1&cent; per daily poll response. Claim your free money just by checking in every day!
6. Mobile app? Yes, Eureka has <a href="https://apps.apple.com/us/app/eureka-cash-for-surveys/id1466346433#see-all/reviews" title="Eureka Surveys - App Store" rel="follow noopener" target="_blank">over 100,000 ratings on the App Store</a> with a 4.8 star average rating as well as an <a href="https://play.google.com/store/apps/details?id=com.eureka.android" rel="follow noopener" target="_blank">Android App</a>.
7. First survey? Eureka's welcome survey is quick and easy and guarantees payment of $1 upon completion!
<h2 class="c-mrkdwn__pre" data-stringify-type="pre">Swagbucks</h2>
1. Points? Yes, 1 Swagbuck is worth 1&cent;.
2. Cashout options? PayPal and gift cards. Members need a minimum of $25 to cashout via PayPal. Gift card cashout amounts vary.
3. Cashout time? Cashouts take up to 10 business days to process.
4. Payment on disqualification? Yes, Swagbucks pays 1 Swagbuck (1&cent;) upon survey disqualification.
5. Daily poll? Yes, Swagbucks pays 1 Swagbuck (1&cent;) per daily poll response.
6. Mobile app? Yes, Swagbucks has 32K ratings on the Apple App Store with a 4.4 star average rating as of October 2020.
7. First survey? Swagbuck's first survey pays 5 Swagbucks (5&cent;) upon completion.
<h2 class="c-mrkdwn__pre" data-stringify-type="pre">InboxDollars</h2>
1. Points? No.
2. Cashout options? PayPal and gift cards. Members need a minimum of $30 to cashout and there is a $3 processing fee per cashout.
3. Cashout time? Cashouts take up to 10 business days to process.
4. Payment on disqualification? No, InboxDollars does not pay upon survey disqualification.
5. Daily poll? Yes, but responses are not rewarded.
6. Mobile app? Yes, InboxDollars has 129K ratings on the Apple App Store with a 4.5 star average rating as of October 2020.
7. First survey? InboxDollar's first survey pays $0.50 upon completion.
<h2 class="c-mrkdwn__pre" data-stringify-type="pre">Survey Junkie</h2>
1. Points? Yes, 1 Survey Junkie point is worth 1&cent;.
2. Cashout options? PayPal and gift cards. Members need a minimum of $5 to cashout.
3. Cashout time? Cashouts take up to 3 business days to process.
4. Payment on disqualification? Yes, Survey Junkie pays 2 points (2&cent;) upon survey disqualification.
5. Daily poll? No.
6. Mobile app? Yes, Survey Junkie has 30K ratings on the Apple App Store with a 4.5 star average rating as of October 2020.
7. First survey? Survey Junkie's first survey pays 50 points (50&cent;) upon completion.

All survey site information is up to date and verified as of October 2020. See something wrong? Reach out to us at <a href="mailto:support@eurekasurveys.com" rel="follow noopener" target="_blank">support@eurekasurveys.com</a> and we'll be happy to update this article.

Swagbucks vs. Eureka Surveys. What are the best websites to take surveys on in 2020?

2020 Swagbucks vs. Eureka Surveys

How Eureka Surveys stacks up against other survey sites in 2020.

We know there's a lot of options for survey sites out there, so we appreciate you checking out Eureka Surveys. We're trusted by over 100,000 reviewers on the App Store (4.8 star average rating) and we'd love to earn your trust as well.
Our top priority at Eureka is our member experience. We provide a variety of features to help make the survey taking experience enjoyable and for you to earn more. Here's 5 reasons why our members love Eureka Surveys:
<h2 class="c-mrkdwn__pre" data-stringify-type="pre">1. Instant Cashouts</h2>
We're the only website to offer Instant Cashouts to our members. Instant Cashouts mean that you'll get your money within seconds! The majority of our PayPal and gift card cashouts are instant. Other popular survey sites (e.g. Swagbucks, InboxDollars) take <a href="https://help.swagbucks.com/hc/en-us/articles/205640894-How-long-does-it-take-to-redeem-Rewards-#:~:text=You%20can%20redeem%20your%20SB,days%20to%20receive%20your%20reward" rel="follow noopener" target="_blank">up to 10 business days</a>&nbsp;to process cashouts.
<h2 class="c-mrkdwn__pre" data-stringify-type="pre">2. We pay for disqualifications</h2>
We're one of the few survey sites that pays our members for third-party survey disqualifications. You may not qualify for the occasional survey, but we still think that you deserve a reward for your time. For longer surveys, you may even be compensated for the full amount of a survey if we feel like the third-party disqualification was unfair. Rest assured, every survey you take is helping you making progress towards your next Instant Cashout!
<h2 class="c-mrkdwn__pre" data-stringify-type="pre">3. Free money for checking in</h2>
Eureka gives free money to our members every day, just for checking in! Take a fun daily poll and see what others think on a variety of fun and relevant topics. Have a suggestion for a daily poll question? Email us at <a href="mailto:support@eurekasurveys.com" rel="follow noopener" target="_blank">support@eurekasurveys.com</a>.
<h2 class="c-mrkdwn__pre" data-stringify-type="pre">4. Balances in dollars</h2>
Eureka balances are in dollars! No gimmicks, one dollar will always be worth one dollar. Many survey sites use points as a way to trick users into thinking that they have a higher balance than they actually do. We value transparency at Eureka and will always pay our members in cash.
<h2 class="c-mrkdwn__pre" data-stringify-type="pre">5. Multiple platforms</h2>
Eureka is one of the few survey sites that is available on multiple platforms. We are on <a href="http://eurekasurveys.com" title="Eureka Surveys - web" rel="follow noopener" target="_blank">Web</a>, <a href="https://play.google.com/store/apps/details?id=com.eureka.android" title="Eureka Surveys - Google Play Store" rel="follow noopener" target="_blank">Android</a>, and <a href="https://apps.apple.com/us/app/eureka-cash-for-surveys/id1466346433" title="Eureka Surveys - App Store" rel="follow noopener" target="_blank">iOS</a>. We have excellent reviews for our website and apps, and you can sign in on any platform using your same Eureka email. With Eureka, have the option of earning on your laptop, or on the go!
We'd love for you to try us out by signing up for free today! Questions? Reach out to us at <a href="mailto:support@eurekasurveys.com" rel="follow noopener" target="_blank">support@eurekasurveys.com</a> and we'll get back to you within 2 business days.

See the 5 reasons why our members love Eureka Surveys. We offer Instant Cashouts and pay members for disqualifications and for daily checkins.

5 Reasons why Eureka is the best survey site on the Internet

See 5 reasons why our members love Eureka Surveys!

Eureka Surveys has sent members hundreds of thousands of dollars since being founded in 2019. We are one of the few platforms to offer instant cashouts and we've received <a href="https://apps.apple.com/us/app/eureka-cash-for-surveys/id1466346433#see-all/reviews" rel="follow noopener" target="_blank">over 100,000 positive reviews</a> on the App Store!
<img src="https://cdn.buttercms.com/2CfQdtlZSCypEydEMpOU" alt="undefined" />
Here are 10 tips to help you make the most money on Eureka:
<h2>1. Surveys are best Monday through Friday in the afternoons and evenings</h2>
Surveys are best Monday through Friday in the afternoons and evenings, so target this time to take surveys. Weekday surveys are shorter, pay more, and are easier to qualify for. This doesn't mean that surveys are off-limits on the weekends, just that you should go in with lower expectations - our brand partners need a break on the weekend as well!
<h2>2. Make sure your Eureka profile is completely filled out</h2>
Profile information helps us ensure you qualify for the greatest number of high-paying surveys. We've found that completed profiles can earn up to 4x more money! Hint: Take the Profile Quick Survey and get paid to fill out your Eureka profile!
<h2>3. Claim free money every day by answering our daily poll</h2>
The daily poll updates every day at 8 PM ET, and yes, we come up with these questions ourselves!
<h2>4. Eureka is available on <a href="https://eurekasurveys.com/" title="Eureka Surveys" rel="follow noopener" target="_blank">Web</a>, <a href="https://apps.apple.com/us/app/eureka-cash-for-surveys/id1466346433" title="App Store - Eureka Surveys" rel="follow noopener" target="_blank">iOS</a>, and <a href="https://play.google.com/store/apps/details?id=com.eureka.android" title="Google Play Store - Eureka Surveys" rel="follow noopener" target="_blank">Android</a></h2>
Your same Eureka account can be used to log in to any of our platforms, which means you can earn money both on your phone and on your computer! Bored at work? Take surveys on your computer. Commercial break on TV? Switch to your phone without leaving the couch.
<img src="https://cdn.buttercms.com/9JOmal9T3OTPdC7EecTG" alt="undefined" />
<h2>5. Turn on location and notifications for higher-paying surveys</h2>
If you're using Eureka on mobile, make sure you turn on location and notifications to get alerts for our highest-paying surveys. These surveys have very high demand and come and go quickly, so act fast when you see one!
<h2>6. Take your time answering survey questions</h2>
A brand may not reward you the survey's full amount if your answers are inconsistent or if you fail an attention-checker question. Eureka Surveys rewards our best survey takers with shorter, higher-paying surveys!
<h2>7. Answer surveys honestly and truthfully</h2>
Same as above, a brand may not reward you the survey's full amount if your answers to a survey do not match what you have filled out on your Eureka profile.
<h2>8. Be patient for new surveys</h2>
If you have a hard time qualifying for surveys, wait a bit before trying again. Survey availability is constantly fluctuating and determined by the number of new surveys our brand partners choose to post.
<h2>9. Please feel free to contact our support team</h2>
If you're experiencing issues with surveys or with your account, please reach out to our support team support@eurekasurveys.com. We guarantee a response within two business days.
<h2>10. Follow us on social media</h2>
Follow us on social media for announcements and giveaways! We are on <a href="https://www.instagram.com/eurekasurveys/" title="Instagram - Eureka Surveys" rel="follow noopener" target="_blank">Instagram</a>, <a href="https://www.facebook.com/eurekasurveys/" title="Facebook - Eureka Surveys" rel="follow noopener" target="_blank">Facebook</a>, <a href="https://twitter.com/eurekasurveys" title="Twitter - Eureka Surveys" rel="follow noopener" target="_blank">Twitter</a>, and <a href="https://vm.tiktok.com/ZMJaofWK8/" title="TikTok - Eureka Surveys" rel="follow noopener" target="_blank">TikTok</a>. Ready to cashout your earnings? Most PayPal or gift card cashouts are instant!
Happy earning!

10 tips to help you get started on Eureka Surveys and make the most of your time.

10 tips to help you make more money on Eureka Surveys

10 tips to help you make more money on Eureka Surveys.