How to Easily Add $500 to Your Wallet This Month

Wondering how you can earn a little cash? Read on.

by: Cynthia Measom | January 12, 2022
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Even if you’re working 40 hours a week at a full-time job, there are things you can do to earn a few extra hundred dollars per month. It can be pretty easy if you make some smart money moves. Check out these helpful options below if you’re wanting to bulk up your bank account after this holiday season.

Earn $250 With Direct Deposit

Plenty of direct deposit bonuses exist, but it’s hard to find a generous bonus of $250 for meeting easy requirements like Monifi offers. All you have to do is download the Monifi app, open a Monifi Relationship account and receive at least two direct deposits of at least $1,000 each to your Spend Balance within the first 90 days. Plus, any extra funds that you move to your Save Balance will earn an impressive 0.60% APY.

Earn $250 with Direct Deposit

Bank of America Advantage Banking: $100 Bonus

Bank of America is currently offering a $100 bonus when you open an Advantage Banking account. This offer is available online only for new checking customers and you must meet certain requirements.

How to do it:

  • Open a new Bank of America Advantage Banking account by June 30, 2022. Enroll in the offer through the Bank of America promotional page by opening a new checking account.
  • Set up and receive qualifying direct deposits of $1,000 or more into that account within 90 days. See the offer page for more details.
  • Promotion Link: $100 Checking Offer

Bank of America, N.A. Member FDIC.

Bank of America $100 Checking Offer

Save Thousands by Building Up Your Credit

It’s no secret that having good credit will typically get you better rates on everything from mortgages to auto loans to insurance policies, which can add up to savings of thousands of dollars over the course of a year. However, many people don’t have access to things that generally help to build credit because they already require good credit – until now. The Extra Debit Card is the first debit card that builds credit and earns rewards points just like a credit card, no credit check required! All you do is sign up and connect your bank account and then you are given a spend limit based on your bank balance. Use your Extra Debit Card like you would any other credit or bank card to make purchases and then all transactions are totaled up each month and reported to credit bureaus as credit worthy payments. Rather than charging interest or hidden fees, Extra has flat monthly fees starting at $7/month. Don’t forget you’ll earn rewards on every purchase that you can use towards amazing items in their rewards store.

Get Started Building Your Credit with Extra Debit Card

Get a Robo-Advisor

Vanguard is one of the largest financial service companies in the world, having built a legacy as a trusted provider of mutual funds as well as exchange-traded funds. Its stellar reputation is the main allure of the company’s digital advisor, which gives the average advisor access to deep reserves of institutional expertise. The only caveat is that you’ll have to reach into your pocket a bit deeper to start — you’ll need $3,000 to enroll, though Vanguard’s fees won’t put you out too much (there’s an annual net advisory fee of about 0.15% of your balance).

Get Automated Investing With a Large Financial Services Company

Want Free Stuff – Sign Up for Free Samples

If you like freebies, consider signing up with a site that offers free samples, like PINCHMe. It’s a win-win. You get to try new stuff from food to beauty to pet samples risk-free, and in return, the companies who make the products you like may get your business in the future.

To get started, you complete your profile, claim the samples you want, try them out and give your feedback via a short survey. Then repeat for the next month. And not only do you get free samples, but you also will have the option to earn PinchMe coins that you can trade in for rewards.

Start Claiming Your Free Stuff

Get Paid To Browse the Web (Really)

Most of us spend hours each day online, whether browsing on our phones on the couch or surfing the web during downtime at work. But what if you could get paid for all that mindless scrolling? InboxDollars includes surveys, but it also has even more ways to earn, such as getting paid for watching videos, playing games or even just reading the emails they send you. You can also earn cash back on the online shopping you’re already doing, as well as on coupons redeemed in-store. Get a free $5 for signing up and start getting paid for your time online.

Get paid to watch videos

Get an Emergency Fund of Up to $1,000/Month

Life happens, and sometimes you find yourself involuntarily unemployed. Even before the pandemic, 1 in 7 workers were laid off yearly. For many, being unemployed for even a month could cause financial ruin. That’s why Quin exists. They offer lifestyle protection payments of up to $1,000 per month for 3 months if you face involuntary unemployment, and these Lifestyle Protection payments can be received once per year. This is in addition to any state unemployment benefits — and you can access these rainy-day funds in just a few minutes.

To qualify, you must have been a full-time W2 employee for at least 90 consecutive days and a member of Quin for a minimum of 90 days. It costs $20/month to become a member and access the $3,000 in benefits. At $20/month, it would take you 12.5 years to save $3,000, so think of it as a savings account that you access upon unemployment. Since you receive the funds on a digital credit card instead of a check and these funds are applied as a credit towards spending on the card, it is not considered income and therefore not taxed. As an added bonus, you get a tax-free reward annually if the payments are not used.

Protect Yourself (and Your Wallet) Against Sudden Loss of Income with Quin

Easily Save & Invest in the Background of Life

A lot of people believe they need big money to start an investment portfolio. Acorns is here to prove you can start no matter what your budget is. In fact, they encourage you to get start by investing your spare change. While that may not seem like it would make an impact, the average Acorns customer invests $166 within 4 months of doing just that. They also offer smart portfolios designed by experts that you can access based on your individual goals and adjust automatically as you and your money grow. The earlier you start, the more your money can potentially grow so why wait?

Invest in the Background of Life & Get a $5 Bonus Investment

Lower Your Insurance

One of the best ways to save money on various insurance policies is to shop them annually.

With The Zebra, you can save time by getting 10 or more quotes at once from top-ranked and regional insurers that are competing for your business, offering a chance to save money on your policy. Since bundling multiple policies typically saves even more, be sure to get your auto insurance quoted simultaneously to maximize your savings. On average, The Zebra saves shoppers $922/year on home and auto combined. Head over to The Zebra now for fast, free quotes in as little as five minutes.

See How Much You Can Save Today

Earn Cash Back With the Help of an App

One easy way to put more money in the bank is by using a cash-back app. You might already be getting cash back from your credit or debit card, but using the Slide app to pay could stack an additional 6% cash back on every purchase at over 250 participating brands and merchants.

How it works: Download the app and add a payment method (you can use a credit or debit card, Apple Pay, Google Pay, PayPal or BitPay). Once you’re ready to shop online or in-store, search for the store where you’re shopping and enter the total checkout amount. Select your payment method and Slide to pay. You’ll instantly receive 4% cash back in your account as well as a digital gift card to the store that you can either enter online or have the cashier scan at checkout.

To get an extra 1% cash back and save time, preload funds to your account with a credit card, Apple Pay, Google Pay or PayPal. Get an extra 2% cash back if you preload funds with a debit card or BitPay. You can then use these funds to shop at any of the over 250 brands. New users can receive an up to $20 bonus after signup.

Get started earning cash back that you can add to your savings.

Chop Your Subscriptions and Lower Your Bills

From streaming services to podcasts to meditation apps, subscription services provided us a lifeline during the past year and half. But we’re likely all guilty of wasting money on a service we no longer use or need. That’s where Hiatus comes in. With the app, you can track all your subscriptions and bills in one place, see ways to save and even cancel unneeded subscriptions or get help negotiating lower rates with its Premium setting. You can also see if you’re getting the best rates on everything from your home mortgage to your car insurance — the app analyzes what you’re currently paying and lets you know if you’re overpaying and potentially how to get a lower rate. Securely link your accounts to see your financial picture and get started.

Take Control of Your Finances with Hiatus

Take Surveys, Earn Gift Cards and Cash

Getting paid for your downtime is one way to win a jackpot, and taking online surveys is something you can do while watching TV or commuting. Sign up with SwagBucks to start sharing your opinions and earning SB(SwagBuck points), which can be redeemed for gift cards to top retailers like Amazon or Walmart or for cash back via PayPal. Plus, there’s currently a $5 bonus for signing up when you earn 2,500 SB within the first 60 days of membership.

So how much can you earn? Pay for surveys ranges, with some as little as $0.50 and others in the $3.00-$5.00 range, but you could earn more if you’re in a specific demographic. You’ll come out ahead by making money off time you’d normally be wasting.

Make money taking surveys

Use Everyday Purchases To Build Your Credit

We know having bad credit impacts your wallet in more ways than one. Luckily, the Chime Credit Builder Visa® Credit Card is a clever new credit card that can help make sure you always make your payments on time. The Chime Credit Builder credit card lets you move money to your Credit Builder account before you make purchases. Then, when you make purchases with your card, they are paid off immediately. Chime then reports your regular on-time payments, helping to boost your credit score. So, does it work? It absolutely does, as Credit Builder cardholders increased their credit scores by an average of 30 points.¹

Make Every Purchase Count with a Chime Credit Builder Visa®

Automatically Check For the Best Deal When Shopping on Amazon

When browsing Amazon, Capital One Shopping serves as an automatic price-comparison tool. If it finds a better price from another retailer, you’ll be alerted in a little pop-up window. Capital One Shopping also searches the internet for coupon codes and instantly factors them in for maximum savings, as well as including shipping and tax in its final estimates.

Millions of shoppers use Capital One Shopping, and it’s no wonder why: Not only is the browser extension free to use, you don’t need to be a Capital One customer to enjoy it. In the last year alone, shoppers saved a combined $160 million using the tool, with zero effort.

Get the Free Extension Now

Get Out of High Interest Debt

Life can unfortunately come with unexpected expenses. If you’ve incurred credit card debt and are struggling to keep up, an app called Bright can help you get out of debt up to two times faster by using their patented system called MoneyScience™. It creates an AI-driven financial plan that pays off your credit cards and improves your credit score automatically. The average user saves $744 each year in credit card interest charges.

Here’s how it works: Download the app, then scan and link your accounts. Set your goals and Bright starts working towards them. Bright currently offers a 10-day free trial so you can check it out risk-free.

Download the App and Delete Debt Faster

Save Money on Expensive Home Repairs

If you own a home, you know that unexpected repairs can really blow your budget. Having a home warranty can help offset some of the costs associated with expensive home repairs and maintenance – things that homeowner’s insurance doesn’t typically cover.

American Home Shield has plans that cover parts of up to 23 appliances and systems, including heating & cooling, electrical & plumbing systems, appliances, and more. If they can’t repair your covered item, they will replace it. There’s a reason they are considered America’s #1 home warranty company and have more than 2 million members.

Get Your Free Home Warranty Quote

Lower Your Mortgage Payment

While mortgage rates have slowly started to rise since the all-time low in January 2021, they are still historically below average. If you haven’t already, you may want to consider moving sooner than later to refinance your mortgage as mortgage experts do expect rates to continue rising in 2022.

One way to see if refinancing can save you money is to use a service like LendGo. LendGo is an easy-to-use platform that offers you access to a robust network of lenders with nationwide coverage. You can get a quote in as little as two minutes from multiple lenders. They even claim refinancing saves an average of $7,824 a year in payments. That’s a lot of dough you can put back in your wallet!

Don’t Wait – Refinance & Save Before Rates Rise


Do you have money making tips, or were you able to make money with these services? Email us at Money@GOBankingRates.com and share your story. We may even choose to highlight it in a future article.


John Csiszar, Bob Haegele, Julia Gordon, Nicole Spector, and Molly Sullivan contributed to the reporting for this article.

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Please see back of your Card for its issuing bank. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

¹Credit Score Increase “Based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore 3.0) increase of 30 points by January 2020. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

²To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Spending Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.

³Security Deposit Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

4On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organization.

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