Most of us are running a pay day to pay day type of arrangement. But there comes a time in everyone's life where they do actually need to think about what they're doing with their cash.
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That time is now.
So, if you're looking to get your money sorted there are a bunch of apps out there that can help as a starting point. Our finance expert Ben Nash is on the case.
Best paid surveys in Australia OCTOPUS GROUP. Octopus Group is one of the highest paying survey sites, letting you earn $4 to $8 per survey. People love that earnings are in cash and can be transferred directly to their bank accounts. You can also check out the highest paying apps to make sure you’re making the most money for your time. This list includes money making apps for Android phones and IOS. I personally earn money from the top 5 apps in this list and will also share with you 5 other legitimate money-earning apps through people I’ve interviewed and testimonials. You can complete paid online surveys at home or on the go as many sites have apps to earn money online. Whilst it’s easy to get paid to do surveys Australia, it’s also easy to give up. When it comes to surveys you do for cash, it might take some time to receive the best online surveys Australia offers.
Budgeting
When you’re young and in the process of building your savings and investments, how much you spend and save is the one area that has the biggest impact on how fast (or slow) you get ahead.
Today there are a bunch of apps that can help you understand where your money goes.
Two of the most popular are Pocketbook and Money Brilliant, both of which link to your bank account and break down your expenses into categories. You can then set your budget in the app and track how well you stick to it. Both apps are free, and Money Brilliant has a $10/month version that allows you to link your super fund, investments, and debts to get a combined picture of your overall financial position.
Spreadsheets
Ok so this isn’t really an app, but I felt I had to include a word of warning here. You should be aware that the apps above look into the past, not the future. Sometimes going old school is super effective.
Listing out your budget in a spreadsheet can make it easy to see all your spending in one place - often an eye-opening exercise. Once you have everything listed out it’s easier to tweak your budget to allocate your money to the things that bring you the most value and enjoyment while hitting your savings targets.
Once you have your budget, a good banking structure with different buckets of money can keep you on the front foot and make sure you have the right money in the right places at the right times.
Raiz (formerly Acorns Australia)
This app makes it easy to get started investing. Raiz is a micro-investing app that allows you to invest small amounts of money at a reasonably low cost. Because of the low fees, you can start with literally nothing and set up a regular contribution to build an investment portfolio.
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Raiz has a ‘round up’ feature that automatically rounds all purchases up to the nearest dollar and then invests the ‘leftover’ change, which can be a good way to invest without having to put specific money aside. But my favourite feature is the regular investment function where you can invest as little as one dollar (or as much as you like) in the frequency that suits you best.
You should be aware that any money going into Raiz is invested in the share market, so will increase and decrease in value based on what’s happening in investment markets. This means it may be a bad idea to invest any money you need in the short term because if the share markets go down your savings will go down with it! Take the time to map out your investment strategy and/or get personalised financial advice before you get started.
Splitwise
Splitwise is a handy app for people living in share housing or those social butterflies who are constantly doing stuff with mates. The app allows you to set up a profile for your inner circle of contacts and keep a running tally of any money you owe or are owed so nothing gets missed. You can then make or receive payments in bigger chunks instead of having a bunch of smaller transfers that are harder to track. The app is well designed, easy to use, and best of all free.
The Wrap
Whether you're looking to save, invest, or manage your money better there’s an probably an app out there that can help. But remember, you can’t outsource your money success to technology! You should first get clear on the results you’re trying to achieve and why they’re important to you. This can help you clarify where an app can assist, then you need to be prepared to focus on the important and put in the work to make it happen.
To keep yourself in the know with all things cash and careers, check out our Careers & Money section.
Ben Nash is a Financial Adviser and the Founder of Pivot Wealth, a money management company that helps young professionals get smarter with their money.
Disclaimer: The information contained in this article is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether the information is appropriate to your circumstance before acting on it, and seek professional advice from a finance professional.
Image credit: Brooke Cagle
There are many apps available that allow you to earn money online. However, finding the right apps can be difficult because the majority of them are either a scam or a complete waste of your time.
That is why it is important to find and install only those apps that at the very least pay you for your efforts.
Fortunately, this post will list the top 10 money-earning apps that are legit & widely used.
10 Best Money Earning Apps
Though there are several money-making apps available, I believe these ten are perfect for this list. Please keep in mind that for a few apps, you must first register on their official website before installing the app.
1. Swagbucks
Swagbucks (SB) is a free online GPT program that rewards users for simple tasks like answering surveys, watching videos, playing games, online shopping, installing apps, and much more.
When you click here and enter the code REDDIT in the code section during signup, your account is immediately credited with 70 SB points.
After that, you can earn more points by completing online tasks, which can result in $10 in PayPal cash when you reach 1,000 SB. For gift cards, the point requirement is even low.
Furthermore, you can also refer new users and earn 10% of their lifetime earnings.
2. InstaGC
The InstaGC app allows you to earn free gift cards by completing various tasks such as surveys, video watching, and so on.
Aside from online tasks, you can also earn points through point booster codes, referral programs, contests, and decimal pots.
Every 100 points equal $1, and the best part is that you only need 100 points to redeem your first payout. The rewards include PayPal cash, Bitcoin, & several gift cards available based on your location.
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Overall, InstaGC offers so many ways to earn points, making it an excellent app.
3. Sweatcoin
The Sweatcoin app rewards its users for activities such as walking and running by converting each step into Sweatcoin (digital currency). In this case, 1,000 steps equal 0.95 sweatcoins.
These coins can then be exchanged for goods and services such as iPhones, high-tech shoes, Apple watches, PayPal cash, and much more.
You can even use them to get discounts on certain products and even get free vacation tickets. However, the requirement is a little high.
Aside from walking, you can also watch three ads per day at 500-step intervals that pay up to 1,000 sweatcoins. However, you will usually receive up to 10 sweatcoins.
Overall, if you walk a lot as part of your daily routine, this app is a must-have on your mobile device.
4. Survey Junkie
If you enjoy taking online surveys, Survey Junkie is the app you should have on your smartphone.
When you sign up as a new user, Survey Junkie gives you the opportunity to earn $0.25 to $1.00 for filling out your profile details, validating your email address, and installing their browser add-on (for desktop).
Then you can complete surveys to earn between 200 to 350 points ($0.20 to $3.50), with each point worth one cent.
Once you’ve collected at least 500 points in your account, you can redeem them through Paypal, bank transfer, or e-Giftcards.
Unfortunately, Survey Junkie is only available to users in the United States, Canada, and Australia.
5. Rakuten
Rakuten, formerly known as Ebates, is an app that allows you to save up to 40% cashback when shopping at over 2,500 stores.
All you have to do is install the app on your mobile device and use it to purchase items from listed stores to receive cashback. Not only that, but you can also get cashback on in-store purchases as well.
All your savings will be credited to your Rakuten account and can be withdrawn via check or PayPal cash every three months.
If you do a lot of shopping each month, this app is ideal for you.
6. MyPoints
MyPoints is similar to Swagbucks that pays you to complete surveys, shop online, watch videos, read paid emails, and search the web.
Surveys pay between 75 and +500 points, and once you have collected 3,970 points in your account, you can redeem them for $25 in PayPal cash. Other types of rewards include gift cards and travel miles.
As an added bonus, MyPoints will give you a $10 Amazon or Visa gift card if you spend $20 or more with MyPoints in your first 30 days of sign up.
Currently, it is only available in the United States and Canada.
7. Foap
Foap is a crowdsourcing app that allows anyone to sell their photos and make some extra money.
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To get started, install the app and begin uploading your best-taken photos with relevant tags so that the Foap audience can search & buy them.
Your photos can be sold for $5-$100, and your chances improve as your photo receives higher ratings from the Foap community.
Aside from selling, you can also participate in missions in which brands make specific requests for images that you can provide in exchange for money. However, there is some competition, and only a few members will be able to earn the advertised reward.
Overall, Foap is an excellent app to earn money for people looking to sell their beautiful clicked photos.
8. Pinecone Research
Pinecone Research is another popular survey app that pays its users for answering online surveys. However, unlike other apps, it also provides product testing tasks that pay even more.
Here, you can earn 300 to 500 points ($3-$5) for completing surveys, and 600 points ($6) for testing products.
Once you have collected at least 300 points in your account, you can redeem them for your preferred rewards, which include PayPal, Bank Transfer, and check.
Please keep in mind that the first payout must be redeemed via check before you can withdraw points through other methods.
9. Bookscouter
Mobile Apps That Earn Money
If you have a large number of old books in good condition, you can sell them at the best prices using the Bookscouter app.
It basically uses the book’s ISBN to compares real-time prices at over 30 buyback vendors and finds you the best deal. You can then choose the best vendor for your book based on their price and rating.
Then, you can pack and ship the books to the vendor for free (depending on the vendor) using the provided shipping label. When it arrives, the money will be transferred to your account via PayPal or check.
10. TaskRabbit
Earn Money On App
The TaskRabbit app can help you find local jobs that match your skills and availability.
It’s simple to list your services as a Tasker on this app, and you’ll be connected to people in your area who need assistance right away.
Depending on your skill, you can provide services ranging from home repairs to errands. Though there is a $25 one-time fee in applicable cities, you can easily recoup it once you begin working on their platform.
On average, Taskers can earn anywhere from $17 to more than $70 per hour, depending on the type of service they’re offering.
Conclusion – Top 10 Money-Earning Apps
Please keep in mind that the listed app is not a quick way for you to make a lot of money. The majority of the apps are suitable for earning a few dollars or a gift card once a month.
If you enjoyed my recommended apps and would like to know about more apps like this, please leave a comment to let me know.