Who doesn’t love easy money? There’s not much better than making some fast cash utilizing the wonderful world of technology. Money making and money saving apps are some of my favorite ways to bring in a little extra dough. But which ones are worth the time and storage space on your phone?These are a few of my favorite money makers and money savers for 2017.
Have you ever caught yourself saying, “Geez, if I had a nickel for every time someone asked me that, I’d be rich!” Guess what?! Now there’s an app for that and it’s called 1Q! Okay, so maybe it won’t make you rich—scratch that, it definitely will not make you rich. But the 1Q app will pay you a quarter, or even $.50, for every question you answer that they send you.
You’ll have a profile and background questions to answer when setting up your account. All of this is used by companies to direct their questions toward their intended demographic. If you’ve ever answered surveys, you know it can be a frustrating process. They seem to get all the information they need from their lengthy screener before rejecting you and you get nothing but aggravation and wasted time. The 1Q app solves that since they’re coming to you after getting your profile. It’s targeted market research, one question at a time.
The questions are pushed to your app when available. They are short and come sporadically. Sometimes one question is a screener for another (and another…), but you’ll always get paid for each question you answer! I know, exciting, right?! It’s okay, you can do a happy dance.
Still with me? Good, because this is important. The number of responses needed for each question is set and fills up fast so make sure your push notifications are on! Do this not only in the app, but also in your phone settings. I had the notifications turned on in the app, but not in my settings and I missed three questions before I realized it. For an added benefit, turn on your location tracking. Location-enabled app users will always be offered more questions.
The 1Q app deposits immediately to your Paypal account so you must make sure you have one before signing up. Like I said, you won’t get rich. But I have earned $2.50 in the month that I’ve had it on my phone. Worth the storage space in my opinion!
My guess is not because it’s still in beta, but I suggest getting in on the ground level of this money saving app. Dosh, in case you didn’t know (I admit, I had to Google it), is British slang for cash. Dosh works to improve marketing for retailers and provide rewards (cash) to consumers for their purchases.
It’s marketed as a cash back app without any hassle. You don’t have to scan any bar codes or upload any receipts. But, you do have to be willing to link your credit and debit cards to the app to earn cash.
Sign up here and you’ll earn $5 for the first card that’s linked and $1 for each additional card. The app will then scan your credit card purchases and credit you Dosh from any participating businesses at which you made purchases. All available offers and their corresponding percentage of Dosh are listed on the app. For instance, the deli down the road from me offers 10% of my purchase back in my Dosh account. Once you reach a $15 threshold, you can cash out to your bank account or Paypal.
They also partner with online retailers. When making an online purchase, if you start your shopping by clicking the Shop Now button in the app, you can earn Dosh.
Related: Get Your Cash Back
You can also book travel and activities, think Escape Room games and other local specialties, with the Dosh app. They market the travel deals as the best price you can get. I haven’t researched or booked any hotel rooms to verify the accuracy of that statement. I would remember to factor in the cash back they give you when looking for hotel rooms. Some rooms were advertising $25 back. Even if the room is advertised $10 more than competing sites, you’re still $15 ahead to go through Dosh. Always do your due diligence.
No, we’re not talking about Bert’s better half here. We’re talking about Earny, the money saving app that scans your (primary) email account that you use for your purchase receipts and then searches for price drops on said purchases. The app then claims the difference on your behalf and notifies you of every refund you get.
What’s the catch? Well, Earny requires access to your email account so you do need to input your username and password. This information is not directly stored though. Earny simply authenticates you with the email provider directly. The app needs your credit card information as well. Your credit card info is never stored in complete form. Generated tokens are used to recognize refund opportunities and credit your card as applicable.
Related: Beginner’s Guide to Price Hacking
If you’re okay trusting them with all of that, then there’s the matter of commission. Earny takes a whopping 25% cut of whatever they get you. That’s a lot, but remember, without the app, you’d likely never know about or receive the difference of a price drop anyway, so try not to fret about it.
At this time, Earny only accepts cards issued by Chase or Citibank. Sorry all you Discover and American Express card members; you are out of luck for now. By partnering with these two issuers, Earny can utilize their price protection benefits and get your cash back from retailers like Amazon that don’t honor price drop refunds. Chase gives you protection for 90 days after the purchase and Citibank for 60 days.
Wouldn’t you know that after I published this post about the best grocery apps, I stumbled upon MobiSave! And simply put, it is A.MA.ZING. Dare I say, better than all the rest. Did anyone else hear Tina Turner in their head as they read that line? “You’re simply the best, better than all the rest; better than anyone, anyone I ever met!” No? I’m the only crazy one? Bet you’re hearing it now! Okay, moving on.
There’s two big reasons why it’s the best money saving app. The first is you can use this app at any store where you buy groceries! As Aldi is my primary grocery store and doesn’t carry a lot of name brand products, the MobiSave app really comes in handy versus all the competitors.
Here’s a sampling of the available rebates that are on my MobiSave app right now: $.10 off any brand of butter, $.10 off any brand of sour cream, $.20 off any brand of disinfecting wipes, $.10 off any brand of diapers, $.15 off any brand or variety of avocado, $.10 off any brand of cranberry juice, $.15 off any brand or variety of bell pepper, $.10 off any brand of cream cheese, plus a number of branded offers. Those amounts might be small, but every little bit helps. And taken off the price of a generic product—it could be a 10% savings or more.
So what else is so fabulous about this whale of a money saving app—haha, see what I did there?! Ah, anyway, MobiSave pays you via Paypal immediately! Yeah, time for another happy dance! No waiting for those little $.10 rebates to finally add up to $20—you’ll get that $.10 within minutes. You can decide when you want to take it out of your Paypal account.
So there you have it. It’s a short list, but that’s because there are so few money making and money saving apps that really deliver. Do you use any others that you would recommend? I would love to hear about them in the comments!