Genius Hacks that Make Your Life Easier

Let’s talk about an unsung hero hiding in your pantry: baking soda. You know, that unassuming white powder that’s usually reserved for baking cookies or deodorizing your fridge? Well, it turns out it’s a game-changer for your toilet too.

We get it, the idea might seem a bit odd at first, but trust us – this household staple can do wonders beyond the kitchen.

So, why should you consider adding baking soda to your toilet routine? Picture this: a sparkling, fresh-smelling porcelain throne without the need for harsh chemicals. No one wants a bathroom that resembles a chemical plant, right? Plus, it’s a budget-friendly hack that’s gentle on both your wallet and the environment.

Did you know insurance companies count on you not shopping around? Many people overpay simply because they don’t realize better options are available.

That’s where BestMoney comes in. It’s a simple, free, and trusted platform that works with top insurers to help you find lower rates in minutes. Most people who use it save up to $820 a year!
Stop overpaying and put that money to better use. Take BestMoney’s quick quiz today to instantly find lower rates and start saving.

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape… 

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmONE wants to help.

If you owe your credit card companies $100,000 or less, AmONE will match you with a low-interest loan you can use to pay off every single one of your balances. 

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmONE rates start at 6.40% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

You don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all. Plus, AmONE keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes less than a minute and just 10 questions to see what loans you qualify for — you don’t even need to enter your Social Security number. You do need to give AmONE a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

If we told you that you could get paid while watching videos on your computer, you’d probably laugh.

It’s too good to be true, right?

But we’re serious. By signing up for a free account with InboxDollars, you could add up to $225 a month to your pocket. They’ll send you short surveys every day, which you can fill out while you watch someone bake brownies or catch up on the latest Kardashian drama.

No, InboxDollars won’t replace your full-time job, but it’s something easy you can do while you’re already on the couch tonight, wasting time on your phone.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

Signing up takes about one minute, and you’ll immediately receive a $5 bonus to get you started.

If you’ve been thinking about investing, now’s the time to jump in. With SoFi Active Invest, you can trade stocks and ETFs with no commissions¹, no account minimums, and no confusing hoops to jump through.

Here’s the best part: Fund an active account with as little as $50, and you could earn up to $1,000 in stock². Whether it’s your first trade or your 50th, SoFi makes investing accessible.

With SoFi, you can buy and sell stocks with no commissions, so you never have to pay to invest your own money. You’ll also have access to real-time investing news, personalized watchlists, and curated insights to help you make smarter decisions. You can even start with as little as $5 thanks to fractional shares, making it easier than ever to own a piece of the companies you believe in. Plus, as a SoFi member, you’ll be part of a community of investors with access to exclusive events and rate discounts on other SoFi products.

Ready to put your money to work for you? Fund your account, start trading, and see how far SoFi Active Invest can take you.

Life gets expensive, and sometimes credit cards become a lifeline. If you’re feeling weighed down by debt, National Debt Relief can help lighten the load for you.

If you have $15,000 or more in unsecured debt, their team of Certified Debt Specialists will work with your creditors to lower what you owe and set up a plan that fits your budget. No stress, no guesswork—just a clear path forward.

Most clients wrap up their debt in just 12 to 48 months. A free consultation is all it takes to start taking control of your financial future. Why wait? Get started today.

So, we’re all out here buying groceries, filling up the tank, and binge-watching literally everything—but what if there was a card that actually paid you back for all of it? No catch. No weird coupon energy. Just real money back.

It’s called the Blue Cash Everyday® Card from American Express, and honestly? It’s kind of a no-brainer. You get 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases—up to $6,000 per category per year (then 1% after that). So whether you’re grabbing groceries, filling up the tank, or buying way too much from that “just browsing” online cart, you’re getting rewarded for it.

With enrollment, you can get a statement credit for The Disney Bundle (Disney+, Hulu, and ESPN+), so even your streaming habit comes with a perk.

You also get 1% back on everything else you buy.

People love this card for a reason. It’s solid, has great reviews, and Amex customer service is next level. Like, “someone swiped my card and they handled it in 10 minutes” level good.

And the best part? You can get $200 statement credit back after spending $2,000 in the first six months. Since there’s no annual fee, you can try it out totally stress-free.

If you’re already spending the money, you might as well get a piece of it back.Take two minutes to check out the Blue Cash Everyday® Card from American Express—it might just be your easiest money win of the year.

Enrollment is required for some benefits. Terms apply. For rates and fees on the Blue Cash Everyday® Card, please see here.

It’s possible your fridge or HVAC system could turn on you at any moment, and there’s nothing your homeowner’s insurance would do to protect you.

Besides, would you really want to wait on insurance to get around to begrudgingly sending out help?

Choice Home Warranty’s plans deliver rapid response times for household repairs. Service is available 24 hours a day via their app, website, or phone.

A small monthly fee protects your washer, dryer, HVAC system, stove, fridge, and more—things your insurance company won’t. 

And not to keep bashing your awesome homeowner’s insurance, but these home warranty plans cost way less and could save you much more money than insurance.

Choice Home Warranty has protected more than 2 million homes from having to cancel plans or lean on credit cards. With a network of over 25,000 insured technicians, help is never far away.

Learn how you can get a Free Quote. Just take this 30-second quiz to learn how much coverage you need to protect your finances from appliance repairs.

Is there such a thing as easy money? If you know your way around the web, there certainly is. 

That’s because data is currency these days, and many companies are willing to pay cash for it — up to $1,000 per month.

Finding these companies can be time-consuming on your own. But a company called Freecash has compiled all sorts of quick cash tasks from about a dozen advertisers and market research companies thirsty for more data. Freecash has paid out over $13 million to users since 2019. 

You can pick and choose your tasks and complete them at your convenience. The coins you earn from each completed task can be converted into things like Visa gift cards, Amazon gift cards, cryptocurrency or cold-hard PayPal cash.

Signing up for a Freecash account is easy and there’s no minimum amount you need to earn before you can cash out. And if you’ve got enough free time on your hands, you can join the ranks of Freecash users making more than $1,000 a month in extra cash.

Sign up here to see how much you could earn.

An app called Upside helps you earn cash back on everyday purchases without any mental math. The app shows you participating local gas stations where you can beat the pump price by as much as 25 cents per gallon.

Plus, you can earn cash back at grocery stores and restaurants including local favorites and national chains like Domino’s, Taco Bell, Five Guys, Popeyes and Applebee’s.

People who use the app regularly earn as much as $290 every year. That’s cash money deposited straight into your PayPal or bank account. Or redeem it for a gift card from popular brands like Amazon and Starbucks.

Here’s how to start earning: Just download the Upside app, set up a free account and check the map to find participating stores near you. When you’re ready, claim an offer, tap “Check In” before you pay with your linked card — easy money for a few seconds of your time.

You can cash out any time, and you’ll get your money within two days of initiating a transfer. Download the Upside app and use code PENNY25 to get an extra 25 cents per gallon off your first purchase.

You know when you start playing a game, and at first, it’s fun, but then you hit a paywall, get bombarded with ads, or realize it’s all just random luck? Yeah, Puzzle Card isn’t like that at all.

It’s 100% free and all about strategy. No tricks. No pay-to-win nonsense. Just a skill-based card game where you think ahead, stack smart, and score big. And yeah, you can win real cash. 

The best part? No annoying ads. Just smooth, satisfying gameplay. Plus, they give you daily freebies, cool challenges, and even an undo button in case you mess up. (Lifesaver, right?)

Players cash out their winnings every day using PayPal or Apple Pay with no weird hoops to jump through.

It’s ridiculously easy to start playing. Just download Puzzle Card for free, give it a shot, and see if you’ve still got those big-brain moves! 

The news is a heated subject these days. It’s hard not to have an opinion on it.

Good news: A website called YouGov will pay you up to $100 or more this month just to answer survey questions about politics, the economy, and other hot news topics. 

Plus, it’s totally anonymous, so no one will judge you for that hot take.

When you take a quick survey (some are less than three minutes), you’ll earn points you can exchange for up to $100 in cash or gift cards to places like Walmart and Amazon. Plus, Penny Hoarder readers will get an extra 500 points for registering and another 1,000 points after completing their first survey. 

It takes just a few minutes to sign up and take your first survey, and you’ll receive your points immediately. 

If you don’t get cash back on every purchase, you’re overpaying. The Discover® Cashback Debit account will pay you 1% cash back on up to $3,000 monthly (that’s potentially an extra $360 annually).*

Need groceries? Tap your card for cash back. This card has no fees, access to over 60,000 ATMs, and the Early Pay direct deposit feature allows you to get paid up to 2 days earlier.

Does your bank do all that? If not, open a free Discover checking account to get special treatment from a bank that will actually put money back into your account. 

*See Deposit Account Agreement for details on transaction eligibility, limitations, and terms.

Who doesn’t like to kill time with a phone game every now and then? Play this one, and you can make up to $33 bucks every time you win. 

This free app called 21 Cash will actually reward you for your time. 

Right now, when you add $12 to your account, 21 Cash will give you a $6 bonus to use toward tournaments, where you could take home up to $33 per win. 

Plus, you’ll be up against other players at your skill level, so everyone has a fighting chance to win. Blackjack, pontoon, 21… whatever you call it, play your hand with skill, and you can win anywhere from $1 to $33.

And don’t worry—this isn’t a spammy app. There are no annoying ads, and your playtime is totally private. On the App Store, it has over a million downloads and over 15,000 ratings, averaging 4.7 stars (out of 5).

Want to see if you can turn $12 into $33 in just a few games? Download the free app and let the games begin!

We all have our go-to time-killers on our phones. But this one actually gives you the chance to win up to $83 every time you play.

It’s a free app called Bingo Cash, and right now, you could octuple your money — as in 8x — when you play. When you add $10 to your account, Bingo Cash will give you a $5 bonus to use toward tournaments, where you could win up to $83. 

You’ll compete against other players at your skill level, all using the same board, and the top three players can win real money — anywhere from $1 to $83.

And no, this isn’t one of those spammy apps. There aren’t even any annoying ads. Over on the App Store, it has over a million downloads and over 15,000 ratings, averaging 4.7 stars (out of 5).

Want to see if you could turn your $10 deposit into $83 in winnings? Just download the free app and start playing your first game immediately.