December 9th, 2013

5 Ways to Earn Money in Your Free Time

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5 Ways to Earn Money in Your Free Time | Credit Karma Blog

**Today’s guest post is contributed by Joseph.**


Being stuck with credit card debt can feel like an unending cycle. Whether poor spending decisions, a job loss, or a medical emergency got you to this point, the time to get out of debt is now. Solving your financial problems won’t be easy work, but fortunately there are plenty of simple ways to generate extra cash from home that can help you climb out from under those balances. Read on for some ways to eliminate your debt as quickly as possible.

1. Participate in Market Research

Do an Internet search for “market research” in your city or check out the websites Delve and Focus Pointe Global to see if either has an office in your area. Create an account so when market research studies on a variety of topics become available for your demographic – a new commercial, product, or menu item are a few examples – you can participate in a roundtable or group discussion. The payouts can be significant, sometimes as much as $150 for just a few hours of your time.

2. Put Your Smartphone To Use

There’s a long list of apps you can download that allow you to earn either cash or rewards that can be used for gift cards. Some to consider are GigWalk, FieldAgent, ScoopShot, AppRewards, TaskRabbit, and Embee Mobile. Sometimes the tasks required are as simple as watching TV on your smartphone or running errands for local folks or businesses. This is a great way to generate money without having to go too far out of your way.

3. Sell Your Unneeded Stuff

If you have old electronics, college textbooks, or toys your kids no longer play with, sell them on the Internet and make yourself some dough. Use Amazon for mainstream goods that most people would buy, eBay for uncommon items like antiques or collectibles, and Craigslist for larger inventories so you don’t pay through the nose for shipping. The listing procedure for each website is different, but nothing so advanced that you can’t handle it with some quick research.

4. Start Your Own Blog

If you like writing and have expertise in a certain field, start a blog and post articles on a consistent basis. Market it via social media, build a following by providing high quality advice, and eventually advertisers may approach you to buy ad space. The key here is to focus on quality and creativity. Write about stuff your readers can’t find anywhere else and you can have a growing audience before you know it.

5. Complete Online Surveys

This may not earn you millions, but it’s a great way to generate some income while you help bring the above ideas to fruition. Do a bit of research and look for reputable websites that compensate in real cash. Two websites to consider are Lightspeed Research and Pinecone Research, although both only accept new members at select times throughout the year.

Once you have a better understanding of some ways you can earn extra money in your spare time, it’s time to start prioritizing. Even if you receive plenty of paid online surveys via email, if they only generate $5 for each hour of your time, there may be better options out there. Adjust your strategy so you’re getting the best return on the time you invest. As soon as you start to see some revenues, set up a separate bank account for your earnings and tack a little more on to your credit card payments each month. That way, you can ensure they go toward their intended purpose.

What other ways can you think of to generate income to pay off your debts?

Joseph Tibbs is a lifestyle columnist who shares tips about credit and debt, generating side income, and staring a small business.

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Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.


  1. I want to know why one of my credit cards are not listed on my credit karma report. In addition, there are two credit cards that I am not using, nor have I used them in a few years. How ACCURATE is my credit karma score?? I’d really like to know! Thank you! Theresa

    Theresa Sawyer at 4:44 pm on December 11, 2013
  2. Jenna

    Hi Theresa, we pull all of the information and scores you see straight from TransUnion. If there is incorrect information, we’d recommend disputing it directly with them. Thanks!

    Jenna at 7:36 am on December 12, 2013
  3. On Dec. 9 I completed a 7 day free credit report through CreditKarma. I cancelled the service within minutes. On Dec. 10, Transunion charged me $29.95! I called the phone number given on the website and it was for Transunion. I explained the 7-day free trial, that I canclled it immediately, and the Transunion rep refused to reimburse me. We ended up in a shouting match, this woman told me that I may have filled out a 7-day free trial, but it did not apply to Transunion. I am going to every website I know of to complain, including BBB and the District Attorney, to file false representation.


    Leslie Burks at 9:44 am on December 12, 2013
  4. Jenna

    Leslie, Credit Karma is 100% free. We never enroll our members in “free trial periods” and never even ask for credit card numbers, so we have no way of charging our members. We’d recommend contacting your bank directly for assistance in regards to this unfamiliar charge.

    If you have any other questions, please feel free to email and we’d be happy to help you out.

    Jenna at 11:37 am on December 12, 2013
  5. Why not take tough times as an opportunity to delve into something you really enjoy or want to learn? There are lots of things people consider hobbies which can earn you a little extra money while you get to do something enjoyable.

    Lisa Woodley at 3:51 pm on December 12, 2013
  6. Thanks for the tips. The smartphone advice is unique to me as I have never tried this before. Thanks for showing me another way to boost my finance. The other points I’m already doing whenever I get time.

    Martha Gonzales at 7:59 am on December 16, 2013
  7. Very great post. I simply stumbled upon your weblog and wished
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    Katrina at 10:31 pm on June 9, 2015
  8. Enola Guerrero

    Hi Katrina – Thanks for the support!

    Enola Guerrero at 10:39 am on June 10, 2015

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