Banking for freelancers: Lili
- Early direct deposit
- Categorize work expenses
- Automatically set aside money for taxes
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Life is full of financial surprises that can leave us in need of fast money. Thankfully, the Internet has made it easier to sell, rent out and hustle your way to bridging your income gap.
Some hustles can get you paid within a few days, while others will take a week or more and may require additional work. Consider these side jobs as an opportunity to create a financial safety net in case you find yourself in a situation where you need to make a buck in the future.
Joining an odd jobs website could be the easiest and fastest way to get the money you need because of the ease of setup, demand for skilled workers and quick payment. Generally, you just register with a platform, create a profile, set your rates and select the services you want to offer.
You can either start bidding for jobs or wait for requests — which could happen immediately. The key to success on these platforms is maintaining good reviews, setting competitive prices and being available when people need you. Cleaning, delivery, handiwork, building furniture and personal shopping are just some of the jobs available.
One of the most popular and easiest forms of making a quick buck is turning your car into a taxi. Some things to keep in mind are the additional expenses that you — as an independent contractor — need to account for, such as gas, wear and tear on the car, cleanings and possible licensing fees depending on the state you drive in.
Still, unless you drive in a state with licensing fees, signing up with most of these rideshare companies is free and so is deactivating your account. You’re also allowed to drive for multiple companies, so you can test which one helps you bring home the most cash. In addition to the city you’re driving in, the time of day and day of the week you work can dramatically change your income as well.
To start driving for one of these platforms, you’ll need to meet a list of requirements from the platform and adhere to regulations set by the local government. You’ll need to research:
Renting out your apartment, home or spare room online can result in great returns for minimal effort, especially if you focus on long stays. Of course, you’ll have to evaluate how much you can rent your space for per night to decide if it’s worth it for you — AirBnb has a calculator that can help you with this.
People who rent out their home or apartment frequently may have to rely on a friend or family member to stay over so that they can rent out their space. Depending on how much you can make per night, you may even be able to find a cheaper hotel to stay at or a sublet opportunity that a tourist wouldn’t know about.
When deciding who to rent to, check out people’s reviews. Although AirBnB offers insurance coverage up to $1 million, if you have a lot of valuable furniture or equipment, you may want to take out a security deposit as well. You could also store your valuables in a locked place while you’re renting out your space.
Be careful with long-term stays or renting out your space too often, as several cities now regulate it more tightly. Also take into account your landlord: Read your lease thoroughly, as you might have stipulations in it that prohibit you from renting out the space. If you’re not careful, you could not only find yourself being evicted, but potentially sued.
Writers, designers, coders and nearly any other profession can find a number of websites for making money online while working remotely. This route will take a little bit more time, especially if you don’t have a portfolio yet, but can be an excellent source of income once you’re set up.
Start by browsing the work offered by some of the following freelance online job sites and seeing if the work and rates sound appealing.
Companies love to watch what you’re buying, who you’re interested in and when you use their services so that they can both improve their products and sell you more things.
Websites often do this whenever you sign into their homepage or subscribe to a mailing list, but they can learn even more from interacting directly with potential customers. For this reason, they’ll pay good money for you to answer surveys and test products.
There are various platforms and sites that connect survey-takers with companies. They generally pay in either gift cards from popular retailers like Amazon and Walmart or send funds via PayPal.
Get paid to test out websites and apps.
Survey sites are generally straightforward with payment varying. Depending on your demographic information, you may or may not get many surveys. Keep in mind most sites will require you take an unpaid pre-screening survey to make sure you’re the demographic they’re looking for.
One of the quickest ways to make money is to go through all your stuff and sell what you’re no longer using or need.
A checking account that earns up to 1.75% APY and up to $25 in ATM reimbursements.
Want to buy bitcoin but don’t know where to start? This comprehensive guide provides step-by-step instructions on how and where to buy BTC in the US.
TD Ameritrade Cash Services lets you manage uninvested funds, but this account earns little interest.
Chase High School Checking has some decent perks, but you can’t open it online.
Check out the best IRAs with the lowest fees and the most useful features.
Custodial brokerage accounts for kids — because it’s never too early to start saving and investing.
Venmo provides a convenient way to send money to friends, and now users can buy cryptocurrency like Bitcoin with as little as $1.
A retirement plan for self-employed individuals but may come with high administrative fees.
The Bank5 Connect High Interest Checking account has a solid APY, but you’ll need to meet the minimum balance to earn interest.
Fidelity’s cash management account lets you avoid unlimited ATM fees, but it earns little interest.
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