Thinking of making the Tar Heel State your new home? North Carolina boasts stunning mountain ranges, beautiful beaches, and vibrant cities, making it a top destination for newcomers. Whether you’re browsing homes for sale in Raleigh, considering renting in Charlotte, or exploring houses for rent in Durham, here’s what you need to know before moving to North Carolina.
North Carolina at a glance
North Carolina stands out with its coastal charm and urban energy. From the serene shores of the Outer Banks to the lush greenery of the Great Smoky Mountains, the state has a diverse range of natural beauty and recreational opportunities. Its major cities like Raleigh, Charlotte, and Greensboro enhance its appeal, providing residents with easy access to world-class cultural events, dining, and job markets. North Carolina’s economy is robust, supported by thriving sectors such as biotechnology, finance, and information technology, with major corporations like Bank of America and Red Hat calling the state home.
The cultural landscape of North Carolina is equally rich, featuring historical landmarks like the Biltmore Estate and a diverse arts scene in towns such as Asheville and Chapel Hill. The state is known for its eclectic food culture, including renowned barbecue and distinctive regional specialties like Cheerwine and sweet tea. While the cost of living can be high in some areas, particularly near larger cities, more affordable places to live are available in towns like Jacksonville and Winston-Salem. Whether you’re drawn to its vibrant cities or tranquil countryside, North Carolina provides a multifaceted living experience.
1. North Carolina is divided into three distinct regions
The Coastal Plain, with its flat terrain and fertile soil, features charming beach towns like Wilmington and Morehead City, ideal for a coastal lifestyle. The Piedmont region, home to major cities such as Charlotte and Greensboro, provides urban amenities and suburban comfort. In contrast, the Appalachian Mountains in the west, with cities like Asheville and Boone, provide breathtaking mountain vistas, outdoor activities, and a cooler climate perfect for those who love nature.
2. The weather here is mild
North Carolina’s climate varies, but overall, it enjoys a mild and pleasant atmosphere. Coastal areas, such as Wilmington and Charleston, experience warm, humid summers with temperatures often reaching into the 80s and 90s (°F) and mild winters with temperatures rarely dropping below 40°F. The Piedmont region enjoys a balanced climate with summer temperatures in the 80s and 90s (°F) and cooler winters with temperatures averaging between 30°F and 50°F. In the mountain areas, temperatures drop significantly in winter, with averages often falling below 30°F and snowfall creating opportunities for skiing and snowboarding at resorts like Sugar Mountain and Beech Mountain.
Travel tip: Visit the Outer Banks in late spring or early fall to enjoy milder weather and fewer crowds while exploring the pristine beaches and historic lighthouses.
3. The Research Triangle is a major tech and research hub
The Research Triangle, consisting of Raleigh, Durham, and Chapel Hill, is a national leader in technology and research. This region hosts over 300 companies in tech, biotech, and pharmaceuticals, including global names like Cisco and GlaxoSmithKline. The presence of top universities like Duke and UNC-Chapel Hill fuels innovation and attracts talent from around the world, creating a dynamic and forward-thinking community.
4. North Carolina is known for its BBQ
The state’s barbecue culture is a source of pride and rivalry. Eastern North Carolina barbecue is celebrated for its vinegar-based sauce and whole-hog cooking, exemplified by legendary spots like the Skylight Inn. In contrast, the Western style, popular around Lexington, features a tomato-based sauce with a sweeter profile, with restaurants like Lexington Barbecue serving up hearty, flavorful dishes. Each region offers its own take on this Southern staple, making BBQ a true culinary adventure.
Insider scoop: Follow the North Carolina Barbecue Trail, a culinary road trip that guides you through the best barbecue joints across the state.
5. College basketball is big here
North Carolina’s passion for college basketball is unmatched. The fierce rivalry between the University of North Carolina Tar Heels and Duke Blue Devils generates a buzz that lasts all season. Games between these two teams are high-stakes events, drawing crowds and media attention from across the country. This basketball enthusiasm extends beyond just the college scene, with a deep-rooted culture of support and pride throughout the state.
6. North Carolina has some of the best craft beer in the nation
North Carolina’s craft beer scene is booming, with a multitude of breweries crafting diverse and innovative brews. Asheville, known as “Beer City USA,” has a concentration of breweries like Sierra Nevada and Wicked Weed, each offering unique and locally inspired beers. The state celebrates this thriving culture with events like the North Carolina Brewers and Music Festival, where you can sample a wide range of local brews while enjoying live music.
Insider scoop: Check out the Asheville Ale Trail, a self-guided tour that takes you through the city’s top breweries, featuring exclusive tastings and behind-the-scenes looks at how your favorite beers are made.
7. The cost of living is low here
The cost of living in North Carolina is notably lower than the national average, making it an attractive place to settle. Cities like Greensboro, offer affordable living, with median home sale prices around $295,000, significantly less than the national median of $442,479. In Charlotte, while slightly higher, the average rental rates for a two-bedroom apartment hover around $1,800 per month, which is quite reasonable compared to larger metropolitan areas like NYC or San Francisco. Additionally, towns such as Fayetteville provide even more budget-friendly options, ensuring that North Carolina caters to a variety of financial situations without compromising on quality of life.
If you’re planning to move to North Carolina, it’s important to weigh the pros and cons of living in the Tar Heel State to know what to expect.
8. You’ll need to prepare for hurricanes
North Carolina’s coastal regions are susceptible to hurricanes, with the hurricane season running from June to November. Residents should be prepared with an emergency kit, an evacuation plan, and a thorough understanding of local flood zones. Staying informed through local news and weather services during storm season is crucial to ensure safety and minimize risk during severe weather events.
9. The people are friendly
North Carolinians are renowned for their warmth and hospitality. Living in North Carolina, expect to be greeted with friendly smiles and a helpful attitude as you settle into your new community. Local customs include a strong sense of community and a welcoming spirit, making it easy to make new friendships and feel at home, whether you’re at a neighborhood BBQ or a local festival.
10. North Carolina is home to charming beach towns
North Carolina’s coastline is dotted with idyllic beach towns that offer a perfect mix of relaxation and adventure. The Outer Banks, renowned for its rugged beauty and historic lighthouses, includes attractions like the Roanoke Island Festival Park and the Cape Hatteras National Seashore. Here, you can explore unique maritime history and stunning natural landscapes. Further south, Wrightsville Beach offers wide sandy shores and a vibrant boardwalk perfect for water sports and seaside dining. These towns provide a blend of laid-back coastal living with distinct local charm, making them ideal for both unwinding and exploring.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Looking to learn how to make money without a car? It might seem hard to make money without a car, but there are actually many ways to do it. You don’t need a vehicle to find opportunities that can earn you extra cash or even a full-time income. Whether you want to work from home…
Looking to learn how to make money without a car?
It might seem hard to make money without a car, but there are actually many ways to do it. You don’t need a vehicle to find opportunities that can earn you extra cash or even a full-time income.
Whether you want to work from home or find gigs in your neighborhood, there are plenty of options available to you.
Best Ways To Make Money Without a Car
Below are the best ways to make money without a car.
Here’s a quick summary of my favorites:
Best way to make money without a car by freelancing – Proofreading
Best way to make money without a car to work by yourself – Blogging
Best way to make money without a car for passive income – Selling printables
Best way to make money without a car for people who like numbers – Bookkeeping
1. Blogging
Blogging is a great way to make money without needing a car. You can write about topics you love and share your knowledge with others. All you need is a computer and an internet connection.
I started Making Sense of Cents in 2011, and I’ve made over $5,000,000 with my blog. I began my blog just to share my own money journey. At first, I didn’t even know people could make money from blogging or how to create a successful blog! I didn’t plan to make money with Making Sense of Cents, but after six months, I started earning from it.
And, it all started from home, where I didn’t need a car (and I still don’t need a car to do this job).
Starting a blog takes time and effort, but it can be very rewarding. Plus, you can do it all from the comfort of your home.
Learn more in my How To Start A Blog FREE Course. In this free course, I show you how to create a blog, from the technical side to earning your first income and getting pageviews.
2. Proofreader
Being a proofreader is a great way to make money without a car. You can do this from the comfort of your home. Many companies and individuals need proofreaders for their articles, books, and websites.
To start, you need a strong grasp of the English language (or whatever language you are proofreading in). Good attention to detail is also important. You don’t need a degree to become a proofreader, but it helps to know common style guides.
Proofreaders can make good money, and according to Salary.com, the average proofreader salary is $58,284 a year.
Proofreading is flexible. You can choose your own hours and work as much or as little as you want. This makes it a great side hustle or even a full-time job.
Learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
10
This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
3. Sell printables on Etsy
Selling printables on Etsy is a great way to make money without needing a car. Printables are digital files like planners, calendars, art prints, and more.
Making printables on Etsy is a great idea because you only need to create one digital file per product. You can then sell that file as many times as you want.
Learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
4. Dog walking
Dog walking is a fun way to make money without a car. You get to spend time with dogs and get some exercise too. Many people need help walking their dogs, especially if they have busy schedules.
There is a good chance that some of your neighbors within walking distance may need some help with their pets, and this is where you come in!
You can start by letting your neighbors know you are available. Put up flyers or post about your services in local online groups. Another great way to find clients is through dog walking apps like Rover and Wag that connect dog walkers with pet owners.
If you use an app like Rover, you can also offer pet sitting services. This can increase your earnings by taking care of pets overnight.
Dog walking usually pays between $15 and $25 per walk. If you walk several dogs in a day, it can add up quickly. For overnight stays, you might earn $25 to $70+ per day.
5. Freelance writing
Freelance writing is a great way to make money without a car. You can work from home or anywhere with an internet connection. All you need is a computer and some writing skills.
You can write blog posts, articles, or even social media content. Many companies need writers to create content for their websites and marketing materials.
Freelance writing lets you choose your own hours. You can work as much or as little as you want. This makes it a great option if you have other commitments like school or another job.
There are many websites where you can find freelance writing jobs. Examples include Upwork, Freelancer, and Fiverr. Some companies also hire writers directly through job postings on their websites.
I have been a freelance writer for years, and I think it’s a great way to earn income from home, without needing a car.
6. Virtual assistant
You can make good money by becoming a virtual assistant (VA). As a VA, you help clients with various tasks from your home.
Companies and busy professionals need help with things like managing emails and scheduling appointments. You can do this using just a computer and the internet.
Some VAs specialize in things like social media management. Others focus on tasks like data entry or customer service. You can choose what you want to do based on your strengths.
Working as a VA lets you set your own hours. You don’t need to commute anywhere since everything is done online, so this makes it perfect if you don’t have a car.
7. Online tutoring
Online tutoring is a great way to make money without needing a car. You can teach from the comfort of your own home and set your own schedule. There are many websites where you can sign up and start tutoring students in different subjects.
All you need is a computer and an internet connection. Tutor Me Education, for example, connects you with students looking for help in over 200 subjects. You create a profile, and students reach out to you.
If you enjoy teaching, this can be a fun and rewarding way to earn money. It’s also flexible, so you can work as much or as little as you want. This makes it easy to fit tutoring into your busy life.
Some tutoring platforms might require you to have some qualifications, but many are open to anyone with knowledge in a particular area. This means almost anyone can become a tutor and start making money.
8. Selling print-on-demand products
Selling print-on-demand products is a great way to make money without needing a car. You can create your own designs for T-shirts, mugs, and more. Once a customer orders, the product is made and shipped directly to them.
You don’t need to handle any physical inventory. This means you can work from home and all you need is an internet connection and some creative ideas.
Platforms like Etsy, Amazon, and Shopify make it easier to sell your print-on-demand products. They connect you to millions of potential buyers. You can also use services like Printify and Printful to help produce and ship your items.
Starting your own print-on-demand business involves little upfront cost. You only pay for the production of the item when a sale is made, so this reduces your financial risk significantly.
9. Graphic design
If you love art and design, graphic design can be a great way to make money. You don’t need a car for this job because you can do all your work from a computer at home.
Many businesses need logos, social media graphics, and other visual content.
You can find clients on platforms like Fiverr and Upwork, and you can start with small projects to build your portfolio. Once you have a few happy clients, you can charge more for your work.
10. Data entry
Data entry is a simple way to make money from home. You don’t need a car, and you can work in your pajamas (amazing, right?!).
Data entry workers type information into computer systems. Companies need people to enter data accurately and quickly, and this could be anything from names and addresses to inventory numbers.
These jobs can pay anywhere from $12 to $25+ per hour. The pay depends on the company and the complexity of the task.
Data entry is a flexible job. You can often set your own hours and work when it’s convenient for you.
While it may not be the most exciting job, it’s straightforward and doesn’t require a lot of training. This makes it a good option if you need to earn some extra cash.
11. Transcription services
Transcription work is a great way to earn money from home. You listen to audio files and type what you hear. Many companies hire beginners, so experience isn’t always necessary.
The pay varies, usually from $5 to $25 per audio hour.
Working as a transcriptionist can be flexible. You pick the hours you want to work, so this makes it easier to fit into your schedule.
Make sure you meet the typing speed requirements. Most companies look for accuracy and speed. Start practicing if you need to improve in these areas.
Learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
10
In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
12. Dropshipping
Dropshipping is a great way to make money without a car. You don’t need to buy any stock up front. When a customer buys from your online store, you order the product from a supplier who ships it directly to them.
To start, find a popular product that people want. Use free tools like Google Trends to see what’s in demand. You could sell anything from phone accessories to pet supplies.
Dropshipping allows you to run a business from anywhere. All you need is a computer and internet. It’s perfect if you don’t have a car.
13. Affiliate marketing
Affiliate marketing is a great way to make money without a car. You can do it right from home or anywhere with an internet connection.
In affiliate marketing, you promote products or services for companies. When someone buys through your referral link, you earn a commission.
It does take time and effort to be successful. You’ll need to create content, like blog posts or social media posts, to share your affiliate links.
You could promote anything from clothes to electronics to digital products like ebooks or courses. Pick something you like and know about to make it easier.
For me, I have been doing affiliate marketing for years, and I think it’s a great way to make money at home without a car.
Learn more at Affiliate Marketing Tips For Bloggers – Free eBook.
14. Get roommates
Rent can be really expensive. If you want to save money or even make some extra, getting roommates can help.
When you share your place with others, you split the rent and utility bills. This makes living costs lower for everyone.
Finding roommates isn’t hard. You can ask friends or use sites like Facebook or Craigslist. Of course, you’ll want to make sure to choose people you get along with well.
15. Answer surveys
Answering surveys is an easy way to make some extra money without needing a car. Many market research companies want to know what you think about their products or services. They will pay you for your opinions in PayPal cash or free gift cards.
Each survey can take anywhere from a few minutes to half an hour. While you won’t become rich, it’s a simple and flexible way to make a small but steady income on the side. Even earning a few dollars here and there can add up.
The survey companies I recommend signing up for include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Prime Opinion
Five Surveys
PrizeRebel
Pinecone Research
I have been answering surveys for years, and I have always liked how I can answer them at home without having to go anywhere. That makes it very easy!
16. Make money on YouTube
Starting a YouTube channel is a popular way to make money online, especially if you don’t have a car. You can record videos with your phone or camera, and you don’t need much else to get started.
You can make a YouTube channel about many different topics like money, home, travel, toys, pets, and more. There’s a YouTube channel for almost everything, and there’s still room for more!
In your YouTube videos, you can add links to products you recommend, earn money from ads that play during your videos, get paid by brands to show their products, and even sell your own items.
Recommended reading: How Much Do YouTubers Make?
17. Mow lawns in your neighborhood
Mowing lawns in your neighborhood can be a great way to make extra money without needing a car. Many people need help keeping their lawns neat, such as older adults or busy families.
To get started, you really only need basic lawn care equipment, like a mower and trimmer.
Next, spread the word about your lawn care services. Talk to your neighbors, put up flyers, or post on community boards online.
18. Deliver food on a bike
Not all food deliveries are by car – plenty can be done by bike, depending on where you live! Thanks to today’s gig economy, you have plenty of options depending on where you live.
If you live in a city, delivering food on a bike is a great way to make money part-time as a side gig or even full-time. You can work for companies like Uber Eats, Instacart (this is for grocery shopping delivery), or Postmates. These apps allow you to deliver by bike in many cities.
Biking means you don’t spend money on gas or car maintenance. Plus, it’s good exercise. You can even do food delivery by e-bike or scooter if you prefer.
Note: You do still have to do a background check, even though you won’t be driving and won’t have to use a driver’s license.
19. Babysit
Babysitting is a great way to make money if you don’t have a car. You can choose when you’re available, making it easy to fit around your schedule.
Lots of families need someone to watch their kids while they’re at work or out for the evening, such as your neighbors.
You can offer your help to neighbors, friends, and family members.
You might need to get CPR certified, but it’s worth it. Parents will feel better knowing their kids are in safe hands (plus, you’ll feel better too about watching someone else and feel more prepared).
20. Play game apps
You can make money by playing game apps on your phone. There are lots of apps out there that pay you to play games. Some popular choices include apps like Solitaire Cash and other game apps where you get paid for playing and watching ads.
These game apps can be fun and a good way to earn a little extra cash. You usually earn small amounts of money or rewards that you can cash out later. Still, it’s important to know that it’s not a way to get rich quickly.
Here’s a quick list of the top game apps that pay real cash:
KashKick
Swagbucks
InboxDollars
Freecash
21. Virtual bookkeeper
You can make money from home as a virtual bookkeeper. This job involves keeping track of finances for businesses.
All you need is a computer and internet access. You can work for one company or offer your services to multiple clients.
Before you skip this because you think you’re not qualified, you should know that you don’t need to be an accountant, have any previous experience, or even have a bachelor’s degree.
Virtual bookkeepers can earn a good hourly rate and often have the freedom to set their schedules. This can be a great option if you need flexibility in your work life.
10
This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
22. Voice over acting
Voice-over acting is a fun way to make money from home. You use your voice to bring characters to life or narrate commercials and videos. It’s a great job if you’re good at reading aloud and can deliver lines clearly.
You don’t need a fancy setup to start. A decent microphone and free software can get you going. Many websites connect you with clients looking for voice talent.
You might work on video games, cartoons, audiobooks, or even ads. Each job can pay differently, so you can find ones that fit your schedule and skills.
Voice-over acting can be both fun and profitable. It’s a flexible way to make money without needing a car. Plus, you can do it all from the comfort of your home.
Learn more at How To Become A Voice Over Actor And Work From Anywhere.
23. Write book reviews
You can make extra money by writing book reviews from home. This is perfect if you love reading.
Authors and publishers appreciate your honest reviews because they help other readers decide what to read. These reviews are fun for readers and helpful for everyone.
Here are some websites where you can earn money by writing book reviews:
OnlineBookClub.org – They give you free books at first. After your first review, you can earn $5 to $60 per review.
Kirkus Media – They need reviewers for English and Spanish books. Reviews are about 350 words and due two weeks after you get the book.
The US Review of Books – They hire freelance writers for 250- to 300-word reviews that provide insights into the book. You need to submit a resume, writing samples, and references.
Reedsy Discovery – You can review books before they are published and earn tips from readers, usually $1 to $5 per review. This helps new books become more popular.
Learn more at 16 Best Ways To Get Paid To Read Books.
Frequently Asked Questions
You don’t need a car to make money. There are many ways to earn, whether from home, on foot, or on a bike. Here are some common questions and answers about how to make money without a car.
How can I make money if I don’t have a car?
You can make money by blogging, proofreading documents, or selling printables on Etsy. You can also offer services like dog walking. If you enjoy writing, freelance writing could be a good fit too. Many of these can be done from the comfort of your home or in your neighborhood within walking distance.
What kind of jobs can you do from home with no car or computer?
Without a computer, you can still find jobs like phone-based customer service or tutoring over the phone or by having your clients come to your home. Selling craft items or handmade goods can also be done from home. Some people even make money as virtual assistants using only their smartphones.
How can a college student make extra cash without having a vehicle?
Many college students don’t bring a car to college, and if that’s you, you may be wondering how you can make money. College students can babysit, tutor younger students, or work as a resident advisor at their college. Selling old textbooks and clothes can also bring in extra cash.
What are some delivery jobs with no car required?
For delivery jobs, you can use a bike or scooter. Platforms like DoorDash allow deliveries by bike in certain areas. Restaurants and local stores sometimes hire walkers or bikers to deliver goods too, but this is more common in big cities (like New York City or Chicago).
What to do with no money and no car?
If you have no money and no car, I recommend starting by looking for gigs that don’t require any investment, like babysitting or dog walking. Answering paid online surveys or signing up for cash back apps can also help you earn some spare cash. You can also offer to run errands or clean houses for neighbors for some quick cash, or even host a garage sale.
What to do if you need a job but have no transportation?
If you need a job but you have no transportation, then I recommend finding a work-from-home job like transcribing, virtual assisting, or data entry. If you want an in-person job but don’t have transportation, then you may need to look into your public transportation options, car sharing in your area, finding a shuttle service, using a rideshare app (like Uber or Lyft), or carpooling.
How To Make Money Without a Car – Summary
I hope you enjoyed this article on how to make money without a car.
There are many ways to make money without a car such as with online jobs like proofreading, blogging, selling printables, and bookkeeping. And, there are also ways to make money in person without a car, such as dog walking, tutoring, delivering food by bike, and mowing lawns.
What do you think is the best way to make money without a car?
Do you want to learn how to start a print-on-demand business? Print-on-demand businesses allow you to create and sell custom products like t-shirts, mugs, and phone cases without needing to store any inventory. Today, I have a great interview to share with you all about this business idea. It’s with Jessica Roop, who has had…
Do you want to learn how to start a print-on-demand business?
Print-on-demand businesses allow you to create and sell custom products like t-shirts, mugs, and phone cases without needing to store any inventory.
Today, I have a great interview to share with you all about this business idea.
It’s with Jessica Roop, who has had a print-on-demand side hustle for a couple of years. She’s been designing and selling her own products, and she recently launched a course on the subject I Love Print on Demand.
She profits around $500 and $1,500 per month with her print-on-demand side hustle. She has made over 6,000 print-on-demand product sales too!
In this interview, I ask Jessica questions about how to start a print-on-demand business from home.
So, if you are interested in starting a flexible and in-demand side hustle, I ask her questions you may be wondering about, like:
What is print-on-demand? How does print-on-demand work?
What are print-on-demand items a person can sell?
How much can a new person make selling print-on-demand?
How much does it cost to start and run a print-on-demand business?
Can someone with no tech skills start a print-on-demand business?
Today’s interview will help you get started on your path to becoming a successful print-on-demand entrepreneur.
I recommend signing up for the freebie 17 Hot-Selling Print-on-Demand Products That Can Pay for Your Next Vacation and More! to learn more.
10
This freebie will teach you about print-on-demand as well as give you a list of 17 hot-selling products you can sell via print on demand.
How To Start a Print-On-Demand Business
Below is the interview all about how to start a print-on-demand business.
1. Please give us a little background on yourself and how you got started with a print-on-demand business. How much do you earn monthly from print-on-demand?
Hi! I’m Jessica. I’ve worked full-time online since 2017, doing everything from food blogging to offering virtual assistant services.
In 2020, like many of us, I found myself with some extra time on my hands because of COVID. In my free time, I became a little obsessed with how well e-commerce was doing, so I decided it would be a good side hustle to pursue. In 2021, I started planning my e-commerce business with an early 2022 launch. I was so excited!
I wish I could say that this was the beginning of my print-on-demand journey, but unfortunately, I dove into e-commerce the hard way: I started an online gift company that carried physical inventory.
Seeing as I live in a 692-square-foot apartment, this did not turn out to be a great idea. Plus, I completely underestimated how long it would take to pull products, package them, print shipping labels, and take boxes to the post office. It was exhausting, and my fun little e-commerce “side hustle” became a nightmare.
One day, print-on-demand randomly popped into my head, probably out of complete desperation!
A few years prior, I had created a few print-on-demand products after hearing about the idea somewhere. I never took selling the products I designed seriously, but the idea suddenly sounded intriguing. It would solve all of my problems because I wouldn’t have to carry any inventory and wouldn’t have to pack, package, or ship anything.
I launched my first print-on-demand product on Etsy in May 2022 and quickly had a best-selling product on my hands. I was hooked and haven’t looked back since!
My profit averages between $500 and $1,500 per month. I’m pretty busy with my “day job” income streams, so print-on-demand has always been a side hustle for me. It’s a super fun creative outlet and a great way to generate extra cash every month.
2. What is print-on-demand? How does print-on-demand work?
At its core, print-on-demand means that products are produced “on demand,” meaning they aren’t produced until an order comes through. For example, a design isn’t printed on a blank mug until a customer orders it.
Print-on-demand has evolved into a term for a business model where regular people can team up with a print-on-demand production partner and sell a wide variety of products without ever holding physical inventory or doing any of the fulfillment.
Let’s say you sell on Etsy like I do. Here’s how the process would look for you:
You create a digital design file (much easier than it sounds; some of my best sellers are text-only designs!) and upload it to your production partner’s site; in this example, let’s say you’ve designed a t-shirt
You list your t-shirt for sale on Etsy
A buyer finds your t-shirt, loves it, and purchases it
The order is sent to your production partner, and you click a button to confirm the order
Your production partner prints your digital design file on a t-shirt in the customer’s preferred size, packages it, prints a shipping label, and sends it off to your customer
Your production partner uploads the tracking information to Etsy and marks the order as complete
That’s it! Etsy pays you (minus transaction fees), and you pay your production partner. You pocket the difference, typically about 30% of the price you listed it for on Etsy. Your customer pays 100% of the shipping costs.
As you can see, at no point during this process do you hold a physical item in your hands. Your production partner takes care of all of it for you.
Here’s a print-on-demand product example.
3. What are print-on-demand items a person can sell?
Pretty much anything! Although I don’t have any exact figures, I’d say there are thousands of different products available for print-on-demand.
Every production partner offers something different, and the vast majority of production partners are adding new products all the time. And within each product category, there are often many different variations. For example, there isn’t just one type of mug out there – there are different sizes, different shapes, different colors, different materials.
Here are just a few of the products available for print-on-demand:
Mugs
Tumblers
T-shirts
Sweatshirts
Tote bags
Makeup bags
Wall art
Blankets
Desk mats
Cell phone cases
Ornaments
Bumper stickers
Jigsaw puzzles
Pet bowls
Can coolers
If you can dream it, it’s probably available!
4. How much can a new person make selling print-on-demand?
As long as you dedicate yourself to the process, making ~$500/month in profit on Etsy within the first 3-6 months is possible.
I started making that amount only about a month in, but I was lucky to have a best-selling product very quickly. That wasn’t my intention (I was just excited to get a single sale!), but I just happened to release a product that really spoke to people.
After that initial start-up period, for a part-time effort on Etsy, $500 to $1,500 a month in profit is totally doable. For a full-time effort on Etsy, $40,000 to $70,000 a year in profit is achievable.
You probably noticed that I’m saying on Etsy. If you create your own store (Shopify is a popular platform for self-hosting) and start doing a lot of paid ads and/or social media, you can scale a lot higher. There are people making multi-six figures a year in profit!
5. How much does it cost to start and run a print-on-demand business?
If you’re starting your shop on Etsy like I did, here is a general overview of costs:
Etsy (sales platform): $0.20 per new item listing, plus transaction fees of 6.5% after you make a sale
Creative Fabrica (to source fonts and images to use on designs): $3.99/month
Printify (production partner): No subscription fee, although they do offer a Premium plan for $24.99/month that allows you to purchase the products cheaper (highly recommended if you start making more than ten sales a month)
*Some people use Canva, but I’ve found that Adobe Illustrator makes it easier to produce quality designs. That said, Canva is making improvements all the time, so switching over will hopefully be possible eventually!
6. What do you like about print-on-demand? Is it worth it?
I like to joke that I’m a mix of highly motivated and highly lazy, and I’ve found that print-on-demand, especially on Etsy, is perfect for someone like me!
I love that I can publish as many product designs as I want with minimal effort and minimal risk. If something doesn’t work out, it’s no big deal… I can just move on to the next product. After seeing the other side of things with an inventory-based business, print-on-demand is so easy and super low-stress.
I’ve also come to really love the creative process of designing new products. I’ve spent my whole life feeling like I’m not creative, but print-on-demand has ignited a creative flame in me that I didn’t know existed. My designs are pretty basic, but sometimes I’ll spend hours designing products without even realizing time is passing.
It’s 110% worth it. It’s such a fun hobby – one that makes me money! Print-on-demand is a great way to fund vacations, home improvements, “me time” things (like time at the spa), and to pay off bills. Plus, if taking it full-time is your goal, that’s doable as well.
7. How does a person get customers for print-on-demand?
I highly recommend starting with Etsy because they have a built-in customer base. Etsy has about 92 million active buyers globally, so the potential is enormous! People don’t go to Etsy for any other reason than to purchase something, so you can be laser-focused on acquiring customers.
Like many online platforms, Etsy heavily relies on SEO for listings, so as long as you optimize your listings for their search engine, they can be found by potential buyers.
Etsy is the “easy button” for print-on-demand customers, but there are other ways to get customers, namely organic social media and paid social media (ads). For these methods, instead of hosting your products on Etsy, you would likely have your own online store through platforms like Shopify, Wix, Woocommerce, etc.
TikTok Shops are also becoming popular ways for print-on-demand sellers to reach customers. With a TikTok Shop, you sell directly on the app, and customers can purchase directly on the app, so you don’t need to have a separate store somewhere.
TikTok has strict rules for selling through its shops, including the maximum number of days that can pass before the product is shipped to the customer. This used to be a barrier to entry for print-on-demand since some products can take a little while to be fulfilled (because they need to be printed before they’re shipped), but now more production partners are making sure their products are shipped within TikTok’s timelines.
8. Can someone with no tech skills do this?
Yes! You don’t have to be super tech-savvy to start; you just have to be open to learning new skills. People of all tech levels can be successful with print-on-demand.
Even when it comes to graphic design, you don’t have to be skilled. As I mentioned before, some of my best-selling designs are text-only! Plus, with an inexpensive subscription to a place like Creative Fabrica, you can source millions of images and fonts to use in your designs.
9. Which is the best print-on-demand platform?
I use Printify and love it.
The two biggest players in print-on-demand are Printify and Printful, and I decided to go with Printify because I preferred their pricing structure and product selection. They have been fantastic and I have zero regrets!
10. Can you list the steps needed to get started selling print-on-demand?
If you choose to go the Etsy route, here’s what you need to do:
Set up a Printify account
Sign up for Creative Fabrica or a similar site to source fonts and images
Choose a product or two to start with on Printify (mugs are always a good choice) and download the design templates
Download Adobe Illustrator, open the design templates, and start designing
Upload your designs to Printify
Open an Etsy account and connect Printify to Etsy
Upload your products to Etsy
Start selling!
This is just a general overview, of course. There are other important pieces of the puzzle like researching niches, choosing from different design styles, and crafting your Etsy listings in the right way so they show up in Etsy results.
11. Can you tell me more about the course you have?
I Love Print on Demand is the course I wish I had when I started my print-on-demand journey.
With it, you will set up your print-on-demand business for success from day one so you can skip the stress and start making money faster!
I honestly had no clue what I was doing when I started, and it’s a total miracle I figured out the eight steps listed above, let alone any of the other moving pieces and parts. It was a slow learning process for me, and I made a lot of mistakes at the beginning, which was a pretty stressful experience.
When I created my course, I thought about all of the questions I had and all of the things that slowed me down and then created a course that addressed all of those aspects.
I also made sure to keep it simple by narrowing the focus to the top three products that sell best for me. Print-on-demand can be a little like the Cheesecake Factory menu—there are so many product options, and you can easily get overwhelmed! It’s okay to branch out to other products later, but I keep you laser-focused so you focus on what works right from the beginning.
If you’re interested, you can check out my I Love Print on Demand course here.
You can also sign up for my free ebook, 17 Hot-Selling Print-on-Demand Products That Can Pay for Your Next Vacation and More!, here.
Do you want to learn how to start a print-on-demand business? What would you sell?
Note from Making Sense of Cents: I hope you enjoyed this helpful article on how to start your own POD business. There are many marketplace and ecommerce platforms (your supplier who does your order fulfillment) that you can get started with, as you learned above. And, there are many unique designs that you can sell to stand apart from the crowd. I have bought many items (a wide range of products such as apparel, accessories, and home decor) from POD businesses over the years, and I expect this to continue for myself and many others for the future. There are many ways to grow a print-on-demand business too (such as Facebook, Instagram, and even YouTube), so that can help you to make more money and maybe even increase your profit margins. I hope you see lots of success!
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
PayPal is an online payment system that’s been a major part of online transactions since 1998, and you may have seen that they offer a credit card. Before applying for a PayPal credit card, it’s helpful to ask, “How much does a PayPal credit card affect my credit score?” Every credit card has pros and cons, and they can also have an impact on your credit score.
A good credit score helps you get lower interest rates on credit cards and can improve your financial well-being.
Read on to learn more about what a PayPal credit card is, how it affects your credit score and what score you need to improve your chances of getting approved.
How a PayPal credit card affects your credit score
Having a PayPal credit card can positively and negatively affect your credit score, depending on how you use it. Your credit score indicates how financially responsible you are to lenders and other businesses that check your score. Before learning how a PayPal credit card can affect your score, knowing how your credit score is weighted is beneficial.
One of the most popular scoring models is the FICO® scoring model, and it’s based on five factors:
Payment history (35 percent)
Credit utilization (30 percent)
Length of credit history (15 percent)
Credit mix (10 percent)
New credit applications (10 percent)
As you can see, your payment history is the most important aspect, so paying your credit card on time is crucial to having a good score. PayPal reports to the credit bureaus, so your activity will show up on your credit reports, which determines your score.
Should you miss payments on your PayPal credit card, it can negatively affect your score. Next is credit utilization, which is the percentage you owe based on your max credit limit. Making your payments on time and keeping your utilization percentage low are the best ways to have this credit card work in your favor.
How does PayPal Credit work?
A PayPal credit card works similarly to a regular credit card, but you don’t need the physical card when making online payments that have a PayPal option.
If the website accepts PayPal, the checkout option will show you the various accounts you have attached, like your bank accounts and your PayPal balance. If you have a PayPal credit card, it will show you the credit option as well.
You’ll also receive a physical version of the credit card, which you can use in person.
Similar to a regular credit card, you will receive a statement each month with all of your transactions and the minimum payment due. You can also pay the statement balance or current balance if you’d like to pay more than the minimum. To pay, you’ll use your PayPal balance or a linked bank account.
Does PayPal do a hard pull for a credit application?
Applying for a PayPal credit card triggers a hard inquiry on your credit report. New credit is worth 10 percent of your credit score and reflects how often you apply for new lines of credit. Multiple credit card applications in a short period indicate to lenders that you may have money problems and could struggle to make payments.
Although a PayPal credit card application will trigger a hard inquiry and reduce your score, it’s only temporary. Regular, on-time payments and low utilization will eventually balance out the negative impact of the hard inquiry. The inquiry will show as SYNCB/PPC on your report as well as on your credit card statements when you make purchases.
What credit score is needed for a PayPal credit card?
PayPal doesn’t list a specific credit score you need to get approved for their credit card, but in an article, they do say a score of 670 can help your approval odds for good credit cards. Now that you know that hard inquiries can lower your credit score, it’s helpful to get a free credit assessment. This includes your credit score and other helpful information about your credit health.
PayPal may approve you for a credit card with a score lower than 670, but a lower score often means that you pay higher interest fees when you make your purchases. Whether you’re applying for a PayPal credit card or other credit cards, it’s often helpful to use tools like a secured credit card to boost your score so you can get better interest rates.
Improving your credit score can help your PayPal credit card approval odds
PayPal has multiple credit cards to choose from, and one of them may be right for you. Before applying for a PayPal credit card, check your credit score. A hard inquiry into your credit report lowers your score, which you should avoid if you may be denied.
Fortunately, Lexington Law Firm offers a free credit assessment so you can check your credit score and other aspects of your credit health. We also offer credit repair services for those who may have errors on their credit report. Sign up to get your free credit assessment today.
An installment loan consists of a lump sum of money you repay over time. Auto loans, personal loans and mortgages are common examples of installment loans.
The term installment loan, sometimes called “installment credit,” refers to a financial agreement wherein a lender offers you a lump sum of money you’ll have to repay over time. People tend to seek installment loans for big purchases like a new car or financing for a home. Effectively repaying your loan in full and on time can elevate your credit score.
We’ll thoroughly discuss installment loans in this guide, weigh their pros and cons and help you decide if this funding is right for you.
How do installment loans work?
A person can acquire an installment loan by applying with a financial institution such as a bank or credit union. Each lender has distinct criteria they’d like applicants to meet and specific loan terms.
On average, installment loans can offer borrowers anywhere from $1,000 to $100,000 and typically have repayment periods that range from one to 30 years.
If you’re approved for an installment loan, the lender will provide you with the funds to use for whichever purpose is outlined in your loan agreement. Then, you’ll be expected to repay the money you borrowed in weekly or monthly installments — plus any interest generated by your loan’s annual percentage rate (APR).
Interest rates play a substantial role in your loan repayment plan. When you carry a balance on a loan, your APR will be factored in to determine how much interest you’ll be responsible for. If you have a six percent interest rate and you have a balance of $100 due, you’ll end up paying 50 cents in interest. The lower your remaining balance is, the less interest you’ll pay for the remainder of your loan.
Installment loans differ from revolving credit (like a credit card) in terms of use. With an installment loan, you borrow money for a specific purchase and then pay it off for good. With revolving credit, you repeatedly borrow and repay funds for various purchases in perpetuity.
Do installment loans affect your credit score?
Installment loans influence your score in several ways. When you first apply for funds, lenders will review your credit report. This counts as a hard inquiry to the major credit bureaus and may briefly lower your score.
How you manage your loan repayments can also affect your score for better or worse; consistently paying your minimum balance for each billing cycle can significantly increase your credit score by demonstrating financial responsibility and vice versa.
Managing an installment loan also contributes to your credit mix — a factor that can potentially raise your credit score based on your current number of open accounts.
5 types of installment loans
A variety of installment loans are available for eligible borrowers. Below are five examples of some of the most common loans you’ll encounter.
Auto Loans
Auto loans help borrowers obtain vehicles with relative ease and gradually repay what they owe over several years. A person’s monthly car note is largely determined by auto loan rates, APR and their down payment amount. Auto loans for bad credit borrowers might offer smaller amounts or have stricter repayment terms.
Main advantage: Help borrowers lease or finance vehicles.
Main disadvantage: Good credit or more is needed for the best auto rates.
Buy Now, Pay Later Loans
When shopping online, you may be able to apply for a buy now, pay later loan. These funding options let you split a purchase into installments and spread across several weeks or months. These loans normally cover purchases between $50 to $1,500.
Main advantage: Splits eligible purchases into installment payments.
Main disadvantage: It’s easy for people to borrow more than they can afford.
Mortgages
Mortgages are some of the largest and longest-lasting installment loans a person can apply for. Banks typically offer mortgages with 30-year terms, though this can vary depending on things like the economy and a borrower’s credit profile.
Main advantage: This can help you purchase a home that you can eventually own.
Main disadvantage: Mortgages are hard to obtain and can be expensive in the long term.
Personal Loans
Personal installment loans can come in multiple forms, including debt consolidation, medical loans and joint loans.
Main advantage: Lump sum funding that can have versatile uses.
Main disadvantage: Normally comes with high interest rates and additional fees.
Student Loans
These are some of the first installment loans that people might be eligible for because they have more open-ended eligibility requirements. Government institutions and banks are usually willing to offer these loans to students with little or no credit history. They might even defer repayment until after graduation.
Main advantage: Low or no credit score requirements for students, eligible for debt forgiveness and deferment plans.
Main disadvantage: Come with loan caps and can take 10 to 30 years or more to repay.
Should I use an Installment Loan?
Installment loans are helpful for making important purchases, though one can potentially overborrow if they take out too many loans without a solid repayment plan set. You should use installment loans if you believe you can reliably make your minimum payment amounts each period.
If your financial situation changes, it’s important to notify your lender as soon as possible. Writing a goodwill letter that accurately explains your circumstances can pave the way for leniency and give you more time to marshal your finances.
How knowing your credit score can help you get a loan
People can use installment loans to help make major purchases and boost their credit, so long as they have a plan to repay what they owe. Knowing your credit profile can give you a better sense of the loans you’re currently eligible for. Get a free credit assessment from Lexington Law Firm today.
Aura, like other identity theft protection services, pledges to keep your personal and financial information safe with capabilities like credit report monitoring — for a price.
While there are things you can do yourself to protect your credit and identity, often for free, the Aura app may be valuable if you prefer a hands-off approach or are looking for additional features like antivirus software.
Here’s what to know about Aura and how much the service costs.
What does Aura do?
Aura’s long list of features covers basics like credit monitoring, data breach alerts and identity theft insurance. The app — available for mobile and desktop devices — also scans the web for uses of your financial and personal information and includes other security features like a U.S.-based virtual private network, or VPN, an Experian credit lock and access to an expert fraud resolution team.
The credit lock doesn’t block others from accessing your credit files at the other two major credit bureaus, Equifax and TransUnion.
Get score change notifications
See your free score anytime, get notified when it changes, and build it with personalized insights.
How much does Aura cost?
Aura currently offers three plans with identity and fraud protection, starting at $15 per month or $144 per year (you choose whether to be billed monthly or annually). Aura offers a free 14-day trial for all plans and a 60-day money back guarantee on annual plans.
Here’s how the cost breaks down for Aura’s plans:
Individual
$144 annually ($12 per month).
$15 monthly.
$264 annually ($22 per month).
$29 monthly.
$384 annually ($32 per month).
$50 monthly.
Is Aura worth the price?
As with other services, Aura’s approach to identity theft is more reactive than proactive. You may consider paying for an Aura plan if you’ve already been the victim of identity theft and want to monitor how your information is being used. It can also be helpful if you want to step up online protection for a large number of family members. The family plan supports an unlimited number of children and devices, something many competitors don’t match.
Aura’s individual plans are less expensive than similar plans from competitors like LifeLock and IdentityForce. And if you were already considering paying for a credit lock with Experian’s CreditLock service, which costs $24.99 a month, Aura’s individual plan would save you money.
But freezing your credit and monitoring your reports on your own is free. You may also have identity theft protection or restoration services available through your bank or insurance company, or as a result of a previous data breach. See if you’re already entitled to cheaper or free resources before purchasing a separate service like Aura.
Aura pros
Aura offers insurance up to $1 million per adult to cover losses and expenses related to identity theft. Highlights also include:
Monitors credit data at all three major credit bureaus, Equifax, Experian and TransUnion, and offers an Experian credit lock.
Provides VPN, antivirus software, safe web browsing and a password manager for multiple devices.
Monitors your financial accounts, home and auto titles, and the dark web.
The family plan allows up to five adults, plus an unlimited number of kids and devices. Competitor plans typically have more restrictions.
Aura’s family plan also adds benefits like online parental controls, video game monitoring and local sex offender alerts.
Aura cons
Aura’s insurance coverage doesn’t apply to preexisting identity theft. Other potential drawbacks:
Does not monitor social media accounts.
Some features aren’t compatible with all devices.
Some users have reported difficulties using the app or staying connected to the VPN.
If you decide to cancel an annual plan after 60 days, you’ll still have to pay for the rest of the year.
Weigh the pros and cons carefully. Signing up for a free 14-day trial is a good way to test whether Aura is right for you.
Get score change notifications
See your free score anytime, get notified when it changes, and build it with personalized insights.
Are you looking for the best online jobs that pay daily? Online jobs that pay daily are great opportunities if you’re looking to earn money quickly and conveniently. These online jobs let you work from home or anywhere with an internet connection. There are many tasks that you can get paid to do, from taking…
Are you looking for the best online jobs that pay daily?
Online jobs that pay daily are great opportunities if you’re looking to earn money quickly and conveniently. These online jobs let you work from home or anywhere with an internet connection. There are many tasks that you can get paid to do, from taking surveys and playing games to writing and freelancing.
For me, I like work-from-home jobs that pay daily because of their flexibility and ease of starting, which is great if you want to get paid daily instead of waiting for a weekly or monthly paycheck.
Plus, some of the online jobs that pay daily below will allow you to earn a full-time income, or just some spare extra income – so you have flexibility to choose what will fit your schedule best.
Best Online Jobs That Pay Daily
Here’s a quick summary of my top online jobs that pay daily:
Below are the best online jobs that pay daily.
1. Blogging
Blogging is a great way to make money online and get paid daily. You don’t need to spend a lot to start, and all you need is a computer and an internet connection.
You can blog about any topic you like and I recommend to think about what interests you. Popular topics include travel, personal finance, lifestyle, and food.
To make money blogging, you can use ads, sponsored posts, and affiliate marketing. This means you earn money when readers see ads, companies pay you to write about their products, or you get a commission when people buy through your referral links.
Plus, because there are so many different ways to make money blogging, there is a good chance that you can earn several payouts throughout the month. I get money deposited into my bank account nearly every single day from my blog, which is nice!
I have a free training that you can take – How To Start A Blog FREE Course. Want to see how I built a $5,000,000 blog? In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
2. Online surveys
Online surveys are a simple way to make extra money from home. You just need a computer or a cell phone with internet access. You can earn points (and redeem your points for cash and gift cards if you accrue enough) the same day as you answer surveys.
And, taking surveys doesn’t require any special skills. You just need to answer honestly, so it’s an easy and flexible way to bring in some extra cash.
Some paid survey sites where you can take surveys include:
Freecash
Prime Opinion
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Five Surveys
Branded Surveys
I’ve answered many surveys over the years. I liked doing them during short breaks in my day, like before and after work, during lunch, or while riding in a car. They are easy and usually only take a few minutes.
9
Swagbucks is a site where you can earn points for surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.
10
Once you complete five surveys, you’ve earned $5, which you can cash out using the payout options offered by the site (such as PayPal cash and free Amazon gift cards).
10
Prime Opinion is a survey website that helps people to earn extra money by sharing their opinions at home. It’s a simple survey site to use: you share your thoughts, and they pay you for them.
3. Proofreading
Proofreading is a great online job that pays daily. As a freelance proofreader, you can invoice your clients after you complete a project and get paid the same day.
Writers often make errors in their work, and proofreaders help catch those mistakes. This job involves checking for grammar, spelling, and punctuation errors in different kinds of writing.
For example, proofreaders proofread blog posts, student papers, articles, ads, and more. It’s a flexible job you can do from home or anywhere in the world.
The pay for proofreading jobs can vary. Beginners might make around $20 to $25 per hour. With more experience, you could earn up to $50 or more per hour. Specialized fields like medical or technical proofreading may pay higher rates.
The best part is, you can start even if you have no experience as this is something you can learn. You will need a good eye for detail and a strong grasp of language to succeed.
If you enjoy reading and spotting errors, proofreading could be a fun and profitable job for you. Plus, it’s an excellent way to make money every day while working on your own terms.
You can learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
10
This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
4. Bookkeeping
Bookkeeping can be a great online job that pays daily. If you like working with numbers, this is a flexible option for you. You can work from home and you don’t need a degree or much experience to get started.
Bookkeepers handle tasks like recording financial transactions and organizing receipts. They also create financial reports and manage budgets. Many businesses need these types of tasks done so that they can stay organized.
Many online bookkeeping jobs pay well, around $40,000 or more each year. This can be very good if you’re looking for a stable income from home.
You can learn more at Online Bookkeeping Jobs: Learn How To Get Started Today.
10
This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
5. Play online games
Playing online games can be a fun way to earn money from home. There are many apps available that let you play games and collect real money or gift cards as rewards.
You can earn points (and redeem your points for cash and gift cards if you accrue enough) the same day as you play games.
Here’s a quick list of the top game platforms that pay real cash:
KashKick
Freecash
Swagbucks
InboxDollars
Game apps give real money rewards because they make money from ads and in-app purchases. They share some of this money with players like us to keep us playing their games.
Recommended reading: 23 Best Game Apps To Win Real Money
6. Sell stuff online
Selling things online is a great way to make money every day, and you can sell clothes, old phones, books, unused gift cards, kitchen items, and jewelry.
Many people have lots of items just lying around, so you could easily find things to sell without spending money on new stock.
You can quickly sell your items by listing them on sites like eBay, Craigslist, or Facebook Marketplace.
I have sold many items over the years and gotten paid the same exact day. It’s a great way to make money the same day with the things that you already have.
7. Transcriptionist
Transcription work is one of the top online jobs that pay daily with no experience needed to get started. Their job is to listen to audio or video files and type out everything that is being said. Transcriptionists need good listening and typing skills to do this job well.
One of the best things about transcription is you can work from home and have the flexibility to set your own schedule. This means you can work in the evenings, on weekends, or whenever you have free time.
There are different types of transcription jobs.
General transcription involves typing out things like interviews, podcasts, and videos.
Medical transcription requires you to type out doctors’ notes and medical records.
Legal transcription involves court hearings and legal documents.
Beginners can find work easily, especially in general transcription. You don’t need special training for most general transcription jobs. Sites like Rev, TranscribeMe, and Scribie are known for hiring beginners. They usually pay per audio hour, which means you get paid for each hour of audio you transcribe.
Beginners usually make $15 to $20 per hour, but your speed and accuracy can affect your earnings. The faster and more accurate you are, the more you can make.
As a freelance transcriber, you can invoice your clients after you complete a project and get paid the same day.
You can learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
10
In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
8. Freelance writing
Freelance writing is a great way to earn money daily from home and you just need a computer and good writing skills. Many websites pay you to write articles, blog posts, and other content.
Freelance writers typically start at around $50 to $100 per article and with experience can earn over $1,000 per article.
I have been a freelance writer for years, for many different types of clients and different niches – travel, personal finance, lifestyle, and more.
As a freelance writer, you can invoice your clients after you complete a project and get paid the same day.
You can learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).
9. Virtual assistant
Virtual assistants help businesses with tasks like managing emails, scheduling meetings, social media posting, helping with SEO on a business website, and making travel arrangements. Many companies look for virtual assistants because it saves them time and money.
I have had a virtual assistant for many years now, and she helps my business run much more smoothly so that I can focus on other tasks – it is a much needed service!
One of the best things about being a virtual assistant is the flexibility. They can often set their own schedule and work from anywhere.
Virtual assistants can work for one company or several clients at once. This can keep the work interesting and help you build a wide range of skills. Plus, you can offer different services like social media management, customer service, and research.
Payment can vary and some virtual assistants are paid hourly, while others get a set fee for each job. Many platforms let you choose the payment method that works best for you. This can be helpful if you prefer getting paid daily or weekly.
You can learn more at Best Ways To Find Virtual Assistant Jobs.
10. Online tutoring
You can make money by tutoring students online, and this job lets you share your knowledge with kids or adults who need help with their studies.
All you need is a computer, a good internet connection, and a quiet place to work. Many tutoring jobs pay well, around $30 per hour on average and up to $50 or $60 per hour for advanced subjects like SAT Prep or calculus (and other higher level math subjects). Some subjects even pay well over $100 per hour.
You don’t always need to be an expert to start. Some jobs only require you to be good at what you teach and be able to explain it well. This makes online tutoring a great job for college students and part-time workers too.
Some sites to find online tutoring jobs include Pear Deck Tutor (formerly TutorMe), Wyzant, and Course Hero.
As an online tutor, you can invoice your clients after you complete a tutoring session and get paid the same day. Typically, with these types of same-day pay jobs, your client will pay right away.
11. Data entry jobs
Data entry jobs involve entering or updating information in a computer system or database, such as by typing info from documents into a digital format.
One perk of data entry is the chance to work from home as many companies hire for remote jobs that pay daily, letting you balance work with other activities.
You can find data entry jobs on websites like Indeed, Upwork, and Remote.co. Many of these online jobs pay daily after you complete a project, which makes it easy to get quick cash.
You’ll need good typing skills for this work because your typing speed and accuracy are important since you’ll be working with lots of data.
These jobs can pay well, too. Pay rates can range from $20 to $35 per hour. The rate can depend on your skills and the company’s budget.
You can learn more at 15 Places To Find Data Entry Jobs From Home.
12. Freecash
Freecash is a fun way to make extra money online. You can get paid for trying out apps, playing games, and answering surveys. The tasks are simple and only take a few minutes.
When you sign up, you’ll find many different offers. Each offer can earn you coins, which you can convert into cash or gift cards. The rewards can be used for PayPal, bank transfers, free gift cards, or even crypto.
One great thing about Freecash is that you can start earning almost right away. On average, it takes about 17 minutes to earn enough coins for your first cashout. This makes it one of the quicker ways to earn online.
I have personally redeemed over $400 in free gift cards from Freecash, so I know this site is real.
Click here to sign up for Freecash.
13. Sell printables on Etsy
Selling printables on Etsy is a great idea because you only need to create one digital file per product, which you can sell unlimited times.
Printables are digital products that customers can download and print at home, such as grocery shopping checklists, gift tags, candy bar wrappers, printable quotes for wall art, and patterns.
You can sell printables all day long, which means that you can get paid each day.
You can learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
14. Website testing
Website testing is a great way to earn money online and get paid right away. Many companies will pay you to test their websites and apps, and all you need is a computer or mobile device and you can start making money.
You don’t need any special skills to get started either – most website testing platforms just want your honest feedback on how easy their site is to use.
Common tasks as a website tester include checking links, testing navigation, and reporting any issues. You might also be asked to complete certain actions, like making a purchase or signing up for a newsletter.
The pay you can make for website testing varies. Some tests pay as little as $5, while others can pay up to $90 for more detailed work. Generally, you can expect to earn around $10 to $30 per hour depending on the platform and the complexity of the test.
Platforms like UserTesting and IntelliZoom are popular choices. They have frequent testing opportunities and pay through PayPal, which makes it easy to get your money quickly.
In a typical week, you might get 1 to 3 testing opportunities. This makes it a good side hustle, especially if you need extra cash quickly. Plus, it’s a flexible job you can do from home or anywhere with an internet connection.
For me, I have personally hired a website tester to test my website, Making Sense of Cents. They sent over a video of their screen and them talking, where they talked about what they liked and didn’t like about my website. I found it very helpful to see what someone thought of my website from an unbiased view.
15. Dropshipping
Dropshipping is a great way to start an online business without much upfront cost. Dropshippers sell products directly to customers without having to keep the items in stock.
They choose a product, list it on their online store, and when someone buys it, they order it from a supplier (typically, this is done automatically). The supplier then ships it straight to the customer. And, you get paid the same day as the sale.
It’s important to pick the right products and reliable suppliers. Good suppliers help to make sure that customers get their orders quickly and in good condition.
You also need to market your store, of course. Use social media and online ads to attract buyers.
16. Microtask websites
Microtask websites give you the chance to earn money by completing small tasks. These tasks can be simple and quick, like answering surveys or testing apps.
One popular site is Amazon Mechanical Turk (MTurk). It’s known for its diverse range of tasks, such as transcription, writing, market research, moderating forums, labeling photographs, data collection, categorizing products, and more. You can pick what you want to do and get paid for each task you finish.
Fiverr is another option. You can list your skills, whether it’s writing, graphic design, voice-over work, or something else (there are literally thousands of different kinds of tasks that you can list). Clients hire you for gigs and you get paid once the job is done.
17. Translator
If you know more than one language, you can work as a translator. This job lets you use your language skills to help others understand different texts.
You will translate documents like medical, legal, or technical papers. You may even be translating articles or books. Many platforms allow you to sign up and start translating after passing a test.
Platforms, like Upwork, have many translation jobs. You set up a profile and showcase your skills, and you can choose the jobs that match your expertise and agree on a payment rate with the client.
Hourly rates for translators can vary. Some jobs might pay around $20 per hour, while more specialized or urgent work can pay up to $100 per hour. Your pay depends on the complexity of the job and your speed.
As a freelance translator, you can invoice your clients after you complete a project and get paid the same day.
Frequently Asked Questions
Below are answers to common questions about how to find online jobs that pay daily.
What app lets you work and get paid daily?
Apps like DoorDash, Postmates, and Instacart allow you to deliver food and get paid the same day. These are apps where you work in person and not strictly online.
How to make $25 dollars an hour online?
Freelance writing can help you earn $25 an hour if you’re a fast writer. Proofreaders can also make good money. For me, I am a full-time blogger and I make over $25 per hour online.
How to make money and get paid the same day?
To make money and get paid the same day, you can do things like freelance writing or proofreading, starting a blog, selling printables, taking online surveys, playing games online, data entry, and more.
What are free online jobs that pay daily without investment?
There are many online jobs that pay daily without investment that you can start, such as proofreading, bookkeeping, writing, and translating. There are also sites that you can sign up for and earn spare cash, such as by answering surveys, testing out cell phone apps, and playing games online.
What are remote jobs that pay daily?
There are many remote jobs that pay daily in areas like writing, proofreading, and bookkeeping. Website testing on platforms like UserTesting can pay quickly. Data entry jobs can also have frequent payout options. These jobs let you work from home and earn fast.
What are the best online jobs that pay daily for students?
There are many online jobs for college students that can pay daily, such as selling items on Amazon, answering paid online surveys, starting an online store, reselling items online, and more.
How To Find Online Jobs That Pay Daily
I hope you enjoyed this article on how to find the best online jobs that pay daily.
There are many online jobs that pay daily cash and even some where you can work online and get paid instantly.
These include blogging (my favorite way to earn income every day), answering online surveys, proofreading, bookkeeping, selling stuff online (I have done this many times and it’s easy!), transcribing files, writing, selling printables, website testing, dropshipping, and more.
These fast-paying jobs may pay via direct deposit, check, free gift cards, PayPal cash, and more. It all just depends on what you are looking for.
What do you think are the best online jobs that pay daily?
Bank guarantees are often used in real estate contracts and infrastructure projects, while letters of credit are primarily used in global transactions. But a bank guarantee and a letter of credit are quite similar.
With both instruments, the issuing bank accepts a customer’s liability if the customer defaults on the money it owes, and they both, effectively, are a show of good faith from a lending institution that ensures the bank will step up if a debtor can’t cover a debt.
What Is a Bank Guarantee?
Bank guarantees represent a more significant contractual obligation for banks than letters of credit do. With a guarantee, the seller’s claim goes first to the buyer, and if the buyer defaults, then the claim goes to the bank.
Bank guarantees serve a key purpose for businesses. The bank, through their due diligence of the applicant, provides credibility to them as a viable business partner in a particular business dealing. In essence, the bank puts its seal of approval on the applicant’s creditworthiness, co-signing on behalf of the applicant as it relates to the specific contract the two external parties are undertaking.
A bank guarantee is an assurance from a bank regarding a contract between a buyer and a seller. Essentially, the bank guarantee acts as a risk management tool. A bank guarantee provides support and assurance to the beneficiary of the payment, as the bank guarantee means that the bank is assuming liability for completion of the contract.
This means that if the buyer defaults on their debt or obligation, the bank makes sure the beneficiary receives their payment.
Any business may benefit from a bank guarantee, but especially small businesses that would be more affected if a payment from a business partner or customer falls through.
Bank guarantees only apply to a certain monetary amount and last for a set period of time. There will be a contract in place that dictates in which scenarios and at what point in time the guarantee is applicable.
Before taking on a bank guarantee, the bank does research on the applicant to make sure they are credible and will act as a reliable business partner. In a way, a bank guarantee serves as a seal of approval as the bank has good reason (they’re on the hook for the money) to only accept creditworthy applicants.
Types of Bank Guarantees
There are a few different types of bank agreements, here’s a closer look at the main ones.
Financial Bank Guarantee
With a financial bank guarantee the bank guarantees that the buyer repays all debts they owe to the seller and if they fail to pay those various types of debts, the bank has to assume responsibility for the money owed. The buyer will need to pay a small initial fee when the guarantee is issued.
Performance-Based Bank Guarantee
When it comes to a performance-based guarantee, the beneficiary has the right to seek reparations from the bank if contractual obligations aren’t met due to non-performance. If the counterparty doesn’t deliver on promised services, then the beneficiary will have the choice to claim resulting losses caused by the lack of performance.
Foreign Bank Guarantee
Foreign bank guarantees can apply to unique scenarios such as international export situations. In this case, there may be a fourth party involved — a correspondent bank operating where the beneficiary resides.
💡 Quick Tip: Help your money earn more money! Opening a bank account online often gets you higher-than-average rates.
What Is a Letter of Credit?
A letter of credit (sometimes referred to as a credit letter) is a document provided by a financial institution such as a bank or credit union that guarantees a payment will be made during a business transaction. The bank acts as an impartial third party throughout the transaction.
When the bank issues a letter of credit, they are assuring that the purchaser will in fact pay for any goods or services on time and in full. If the buyer doesn’t make their payment on time and in full, the bank that issued the letter of credit will guarantee that they will make the payment instead. The bank will cover any remaining overdue balance as long as it doesn’t surpass the full purchase amount.
Letters of credit are commonly used in international trade (but can be used domestically as well) where, understandably, companies require more certainty when making deals across borders. A letter of credit can provide security and confidence to importers and exporters since they know the issuing bank guarantees the payment.
Applicants for letters of credit need to work with a lender in order to secure this backing. The applicant will need to provide a purchase contract, and a copy of the purchase order or export contract (among other documents) during the application process. Applicants will pay a fee to obtain the letter of credit and it usually equates to a percentage of the amount the letter of credit backs.
Get up to $300 when you bank with SoFi.
Open a SoFi Checking and Savings Account with direct deposit and get up to a $300 cash bonus. Plus, get up to 4.60% APY on your cash!
Types of Letters of Credit
There are multiple types of letters of credit, with some being more common than others, and some applying to unique situations. Here’s a look at the main types.
Commercial Letter of Credit
This type of letter of credit applies to commercial transactions and is commonly used for international trade deals. In this case the bank makes a direct payment to the beneficiary.
Standby Letter of Credit
A standby letter of credit acts as a secondary payment method. The bank will pay the beneficiary if they are able to prove they didn’t receive the promised product or service from the seller.
Revolving Letter of Credit
A revolving letter of credit can help secure multiple transactions when two parties anticipate doing multiple deals.
Traveler’s Letter of Credit
With a traveler’s letter of credit, the issuing bank guarantees to honor letters of credit signed at certain foreign banks.
Confirmed Letter of Credit
This type of letter of credit specifies that the seller’s bank will be the party to ensure that the seller receives payment if the buyer and their issuing bank default on the agreement.
Special Considerations
Bank guarantees and letters of credit differ slightly, but both serve the same purpose: to give confidence and protection during transactions.
Because the financial institutions that back these guarantees confirm that the buyer is creditworthy in the case of a bank guarantee or a letter of credit, the seller can be confident that the transaction should go through as planned if they have one of these agreements in place. If it does not, they know they’ll still receive payment from the institution that backed the agreement.
Key Differences between a Bank Guarantee and Letter of Credit
These are the most important differences to know about a bank guarantee vs. a letter of credit.
Liability
With some letters of credit the bank pays the seller directly so they take on the primary liability.
With a bank guarantee they only pay if the buyer fails to do so, so they take on a secondary liability.
Risk
The bank takes on more risk with a letter of credit as they take on the primary liability, but that means the seller and customer take on more risk with a bank guarantee.
Number of Parties Involved
At least three parties are involved in letters of credit and bank guarantee transactions. To start there is the buyer, seller, and a bank or other type of financial institution. With a letter of credit, a lender also gets involved. Sometimes two banks (more common in foreign transactions) are involved in a letter of credit or bank guarantee.
Payment
With a bank guarantee, the bank only makes payment if the buyer fails to do so. With a letter of credit this is also usually the case, but the bank can be more involved in the transaction, so disputes tend to be resolved faster.
The Takeaway
When considering a letter of credit versus bank guarantee, both can help two parties involved in a transaction feel more confident that the seller will be paid and the buyer will receive the goods or services promised — or they will be reimbursed by the bank that issued the agreement. Each type of agreement may be especially helpful when conducting business across borders.
Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.
Better banking is here with SoFi, NerdWallet’s 2024 winner for Best Checking Account Overall.* Enjoy up to 4.60% APY on SoFi Checking and Savings.
FAQ
How is a letter of credit different from a bank guarantee?
When it comes to a bank guarantee vs. a letter of credit, both letters of credit and bank guarantees function very similarly. The main difference is that with a letter of credit the bank takes on more risk than they do with a bank guarantee.
What is a bank guarantee and how does it work?
A bank guarantee is an assurance from a bank that a contract between a buyer and a seller will be executed or they will reimburse the wronged party accordingly.
What is the primary difference between a standby letter of credit and a bank guarantee?
The main difference between a letter of credit and a bank guarantee is risk level. With a bank guarantee the bank takes on less risk than they do with a letter of credit.
Photo credit: iStock/fizkes
SoFi members with direct deposit activity can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.
As an alternative to direct deposit, SoFi members with Qualifying Deposits can earn 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.
SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.60% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.
SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.
Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.
The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.
Looking for the best ways to get free money from the government? Getting free money from the government might sound too good to be true, but there are actually several ways you can receive financial assistance. From helping with monthly expenses to finding unclaimed funds, these programs and resources can be a big help. The…
Looking for the best ways to get free money from the government?
Getting free money from the government might sound too good to be true, but there are actually several ways you can receive financial assistance. From helping with monthly expenses to finding unclaimed funds, these programs and resources can be a big help. The key is knowing where to look and meeting eligibility requirements.
This article will show you different ways to get extra money from the government. Whether you need help with your bills or want to get back money that belongs to you, there are many options for you.
Best Ways To Get Free Money From the Government
Below are the best ways to get free money from the government – for housing, children, health insurance, food, and more.
1. Apply for unemployment benefits
If you lose your job, you might be eligible for unemployment benefits. These benefits can help you cover some of your expenses while you look for a new job.
To qualify, you usually need to have worked a certain amount of time in the past year. Each state has its own rules, so you should check your state’s specific requirements.
You can apply for unemployment benefits online or by phone, and be ready to provide details about your recent jobs and earnings. This will help determine how much you can get each week.
The benefit amount is based on a percentage of your earnings from your previous job. It can range from about 40% to 60% of your past earnings. This money can be a helpful bridge while you search for new work.
Each week, you’ll need to report if you’re still unemployed and looking for a job. Some states may also ask you to document your job search activities so it’s important to follow these rules to keep receiving benefits.
Unemployment benefits probably won’t cover all your expenses, but they can make a tough time a little easier. Remember to apply as soon as you lose your job to start getting support right away.
2. Check for child tax credits
Child tax credits can be a big help for families.
You might be able to get money back from the government if you have kids such as for childcare or for just having children. The amount you can get depends on your income and the number of kids you have.
The Child Tax Credit now gives up to $2,000 for each child.
Make sure you check if you qualify for these credits. You can find out more by visiting the IRS website or talking to a tax expert.
3. Women, Infants, and Children (WIC)
The Women, Infants, and Children (WIC) program helps pregnant women, new mothers, and young children get healthy foods. This program is a great way to get extra help when you need it the most, and this is free government money for low-income families. It’s focused on keeping you and your little ones healthy and well-fed.
If you’re pregnant, you can get help right away and continue to receive it for up to six months after giving birth. If you have children, they have to be under the age of 5.
To qualify, you need to meet income guidelines and show that you are at nutritional risk. This can include being underweight or having a diet low in essential nutrients. WIC then provides monthly benefits that can be used to buy specific foods like milk, eggs, and fruits.
To apply, you need to contact your state or local WIC office (you can start by Googling “WIC + your state name”). They will tell you what documents to bring and where to go for your appointment.
4. Use SNAP for food assistance
SNAP stands for Supplemental Nutrition Assistance Program. It’s a government program that helps low-income families buy healthy food. If you qualify, you get an EBT card loaded with funds every month.
Using SNAP is easy. You can use your EBT card at most grocery stores and it works just like a debit card.
To qualify for SNAP, you need to meet certain income and other eligibility requirements. These can include having a low income based on your household size.
SNAP can be a huge help if you’re struggling to afford groceries. It allows you to buy essential foods like fruits, vegetables, meats, and dairy products.
5. Free and reduced breakfast and lunch at school
Your child may be able to get free or reduced-price meals at school through several programs, and these programs make sure kids have healthy meals every day.
The most well-known program is the National School Lunch Program (NSLP). It provides low-cost or free lunches to millions of children in public and nonprofit private schools.
Schools many times also have the School Breakfast Program. This is similar to the lunch program but focuses on providing a nutritious morning meal.
In addition to these programs, there is the Special Milk Program. This program provides milk to children who do not participate in other meal programs.
Some schools offer the Community Eligibility Provision (CEP). This allows schools in high-need areas to serve breakfast and lunch at no cost.
To find out if your child is eligible, check with your school. They can guide you through the application process and let you know what your child qualifies for.
6. Seek Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) is a government program that can help you if you’re facing hard times. It provides financial aid to families with children who are struggling to make ends meet and can help with childcare, job training, and finding work.
To apply for TANF, you need to contact your local TANF office. They will help you through the application process and let you know what documents you need.
It’s important to know that each state runs its own TANF program, so the benefits and services might vary. Be sure to ask your local office (you can also reach out to the U.S. Department of Health and Human Services) what specific help they can offer.
7. Low-Income Home Energy Assistance Program (LIHEAP)
If you need help paying your energy bills, you might qualify for the Low-Income Home Energy Assistance Program (LIHEAP). This program helps low-income households with their heating and cooling costs.
LIHEAP provides federal funds to reduce energy costs. This can include help with your energy bills and dealing with energy crises.
You can also get help making your home more energy-efficient. This is known as weatherization and might include things like adding insulation or fixing drafty windows.
8. Early Intervention and Head Start
Early Intervention services are great for families with young children who have special needs. These services help kids from birth to age three. They offer things like speech therapy, occupational therapy, and more. Most services are free, and others have a sliding scale fee. They make sure your child gets the help they need, even if you can’t pay.
Head Start programs are for kids aged three to five. They help with early learning and development. Head Start also supports families with health and dental services.
Both Early Intervention and Head Start focus on getting kids ready for school. They help children learn and grow in important ways and also support families by connecting them to resources they may need.
You can usually self-refer your child to these programs (each state has its own), or ask your pediatrician for a referral.
9. Apply for college grants
College grants are a great way to get free money for school. Unlike loans, you don’t have to pay back grants. They can help cover your tuition, books, and other school expenses.
One of the most well-known grants is the Pell Grant. For the 2023-24 school year, the maximum Pell Grant is $7,395. This grant is for students with financial need.
Another option is the Federal Supplemental Educational Opportunity Grant (FSEOG). This is for students with exceptional financial need. The amount you can get depends on your school and your financial situation.
To apply for these grants, you’ll need to complete the Free Application for Federal Student Aid (FAFSA). The FAFSA helps the government determine how much aid you qualify for.
Many states and schools also offer their own grants. Check with your school’s financial aid office to see what you might be eligible for. It’s a good idea to apply for as many grants as you can.
Grants can make a big difference in paying for college, so it’s worth the effort to apply. Make sure to look for scholarships too!
10. Public Student Loan Forgiveness (PSLF) program
The Public Student Loan Forgiveness (PSLF) program can help if you work in public service. This includes jobs like teaching, nursing, firefighting, and more. If you work in these fields and have federal student loans, you may be able to get your remaining loan balance forgiven after ten years of payments.
To qualify, you must work full-time for a qualified government or nonprofit organization. You also need to make 120 qualifying monthly payments under a qualifying repayment plan. Only payments made after October 1, 2007, count toward the 120 payments required.
The program mainly benefits people who work in low-paying, but important, public service jobs. It’s a way to give back while also getting financial relief. Though the application process can be long and require careful tracking, many find the effort worth it when their loans are wiped out.
11. Claim Earned Income Tax Credit (EITC)
The Earned Income Tax Credit (EITC) gives low- to moderate-income workers and families a tax break.
If your income is under a certain amount, you might qualify. This credit can either reduce the taxes you owe or increase your refund. For 2024, the EITC amounts can go up to $3,995, based on your income and family size.
To claim the EITC, you need to file a tax return, even if you do not owe any taxes. You should fill out Form 1040 and a Schedule EIC if you have qualifying children.
12. Get housing vouchers
Housing vouchers are a great way to get help with rent. They are commonly known as Section 8. These vouchers help low-income families, seniors, and people with disabilities afford safe and decent housing.
To get a voucher, your income must be below a certain level and this varies by location and family size.
With a voucher, you can choose any housing that meets program requirements. This gives you some freedom to pick a home that suits your needs best. The government will pay part of the rent, making it more affordable for you.
13. See if you qualify for down payment assistance
Buying a home can be tough, especially when it comes to saving for a down payment. That’s where down payment assistance programs can help prospective homeowners.
These programs come in many forms. You might find grants, loans, or other types of aid to help you with the down payment. Each state offers different programs and some are more generous than others.
To qualify, you’ll need to meet certain requirements. These can include income limits or being a first-time homebuyer.
14. Apply for Supplemental Security Income (SSI)
Supplemental Security Income (SSI) is a program that gives monthly payments to people who are disabled, blind, or over 65 and have limited income. You may get help with food, rent, and medical bills.
To apply for SSI, visit the Social Security Administration (SSA) website. There, you can find the application forms and details about the process. You may need to provide information about your finances and living situation.
The application can be done online, by phone, or in person. If you’re under 18 or applying for someone under 18, there are special forms for children.
15. Look for health insurance in the marketplace
We all know that health insurance can be very expensive. Before you skip it, I highly recommend comparing pricing of health insurance on the Health Insurance Marketplace to see if you can find something more affordable for you and your family.
It’s a great way to get coverage and possibly save money. Sometimes, if you qualify, you can get free or low-cost health insurance plans.
Go to Healthcare.gov to start, and each state has its own Marketplace, so follow the specific steps for your state. It can be a little confusing, so make sure you have no distractions and can spend some time doing this.
During the open enrollment period, you can choose a new plan or keep your current one. If you’ve had a big life event, like losing your job, you might qualify to sign up outside the usual enrollment times.
16. Medicaid
Medicaid is a state and federal program that helps people with low incomes get health care. If you qualify, you can receive free or low-cost medical services, like doctor visits, hospital stays, and even prescription drugs.
Medicaid is especially helpful for families, pregnant women, seniors, and people with disabilities.
One of the best parts is that Medicaid covers a wide range of services – you can get help with dental care, mental health services, and even long-term care.
Your income and family size usually determine if you can get Medicaid.
17. Search for unclaimed money
You might have unclaimed money waiting for you. This money comes from many sources like unpaid wages, forgotten bank accounts, or unclaimed insurance benefits.
You can check by going to unclaimed.org, the website managed by the National Association of Unclaimed Property Administrators (NAUPA).
Each state has its own database for unclaimed property. Check your state’s website to see if there is money owed to you.
Frequently Asked Questions
There are several ways you can get money from the government to help with different needs, like paying for food or getting extra support if you don’t make a lot of money.
What ways can I get money from the government?
There are many ways to get free government money. You can apply for unemployment benefits if you lose your job. Families can also check for child tax credits, which give extra money for children. Programs like WIC and SNAP can help with paying for food, and students can get free and reduced breakfast and lunch at school.
How can I get help from the government if I don’t make a lot of money?
Low-income families can use programs like WIC (Women, Infants, and Children), SNAP (Supplemental Nutrition Assistance Program), TANF (Temporary Assistance for Needy Families), LIHEAP (Low-Income Home Energy Assistance Program), and more to get help from the government if they don’t make a lot of money.
How can I borrow money from the government?
The government offers student loans for education through programs like FAFSA. Small businesses can apply for loans from the Small Business Administration (SBA). There are also some loan programs based on specific needs like starting a farm or buying a home.
What is FAFSA?
FAFSA stands for Free Application for Federal Student Aid. It’s a form that students fill out to get financial aid for college. It can help you get grants, loans, and work-study opportunities to pay for your education.
Can I borrow money from my social security benefits?
No, you cannot borrow money from your Social Security benefits. Social Security is designed to provide income during retirement or if you become disabled, so it’s not a source of loans or advance cash.
Is there free grant money for bills and personal use?
Yes, there can be grants for specific needs like paying utility bills or home repairs. You might also find grants for education, food, and health care. Check with local and federal agencies to see if you qualify for any of these grants.
How do I find out if I qualify for any government assistance?
You can visit government websites or contact local agencies. Many state and local governments have online tools to check your eligibility. It’s also helpful to reach out to community organizations that can guide you through the application process.
How To Get Free Money From the Government – Summary
I hope you enjoyed this article on the best ways to get free money from the government.
There are many ways to get free money from the government, such as for housing, to help pay for your children’s expenses, to afford health insurance, to buy food, and more.
Note: There may be changes or updates to the free government programs above. I recommend contacting the program to learn more. Also, please be sure to stay safe with your sensitive information and only use official websites (look for .gov websites and official government organization websites to start with to avoid scams).
What do you think of these free government programs? Have you ever used any of the ways above to get free money from the government?
Airlines, including Delta Air Lines, use dynamic pricing for ticket sales. As a result, the cost of flights between the same cities can vary greatly. This variability is influenced not only by the class of service, but also by the specific type of ticket, known as the fare class.
Delta’s cabin classes range from basic economy to Delta One (first class on international and long-haul domestic flights). Then, these cabin classes are divided into ticket or fare classes, which can also affect the price of the ticket.
Let’s examine the Delta cabin classes and class codes to understand what is included in each ticket type and why you should care.
What are fare classes, and why do they matter?
Fare classes (sometimes called “buckets”) are different ticket types within the same cabin class.
For example, Delta One may have multiple fare classes, such as fully refundable, changeable for a fee and nonrefundable. Each fare class is given a letter, which is used internally by airline staff to understand details about the ticket purchased by the passenger.
Passengers should pay attention to these letters because they can affect the restrictions on their ticket, how many miles they will earn and their ability to upgrade to a higher cabin or use a Delta Companion Certificate.
When it comes to travel day amenities and benefits, cabin class matters more than your fare bucket. The fare bucket comes into play when dealing with ticket change restrictions or potential upgrades, as well as the hierarchy for complimentary upgrades.
Delta fare class overview
These are the Delta fare classes the airline most often uses:
First class/Delta One
Premium Select
Economy/Comfort+
Discounted Main Cabin – U, T.
Deeply Discounted Main Cabin – X, V.
Basic economy
Depending upon the aircraft and destination, not every plane or flight will offer each of these cabins or ticket classes. For example, an international wide-body flight will have Delta One, while a regional jet-operated domestic flight won’t.
🤓Nerdy Tip
Award tickets booked with Delta SkyMiles use a different fare bucket system.
How do I find the Delta fare class?
Delta.com makes the fare bucket information easy to find when searching for airfare. It is the letter in parentheses above the fare.
To learn more about what the fare bucket will include, click on the letter within the parentheses. It will provide details on the seat and any restrictions that go along with it.
SkyMiles earnings by fare class
When traveling on a Delta flight, Delta SkyMiles members earn miles at different ratios. The higher your tier in the Medallion elite status program, the more miles you’ll earn per dollar spent.
Members earn miles based upon the cost of the ticket at these ratios:
Note that basic economy tickets don’t earn miles.
How it works with Delta partners
When traveling on Delta airline partners, it is important to understand how many miles you’ll earn because this will vary based on the fare bucket.
Each fare bucket category earns different amounts of miles. For example, a full-fare business ticket in the J bucket would earn 200% of the miles equal to the distance flown, while discounted fare classes earn fewer miles and Medallion Qualification Dollars (key for earning Medallion status).
🤓Nerdy Tip
If you plan to credit a Delta flight to another frequent flyer program, you will want to compare the earning for the fare bucket in that program with Delta’s. They aren’t always the same. The website WhereToCredit.com can be especially helpful.
What are the benefits of Delta’s classes of service?
Delta One and Delta One Suites
This is Delta’s most premium cabin and is used primarily on international flights as well as select premium long-haul domestic routes.
Delta One has a variety of seating, with the most appealing being the Delta One Suites with doors that close for privacy. Most Delta One cabins are in a 1-2-1 configuration, with those at the windows offering extra solitude.
🤓Nerdy Tip
The Boeing 757s have a 2-2 configuration. Delta.com’s aircraft overview page makes clear the layout for each flight.
Delta One passengers receive multicourse meals, an open bar, amenity kits stocked with Grown Alchemist toiletries, noise-reducing headphones and more dedicated service. On certain flights, mattress pads make the seat more comfortable, but all passengers enjoy a large pillow and duvet.
Delta Premium Select
This is Delta’s premium economy cabin, which is mostly found on international flights and wide-body aircraft. It includes a larger seat with more recline. These seats are similar to what you might find in domestic first class. They recline more than seats in economy class but don’t lie flat. A footrest and spacious armrests with a small table add to the comfort.
Food and beverages include plated meals with a more impressive presentation than economy class and an open bar. A day blanket, a small amenity kit with Grown Alchemist products, noise-reducing headphones and a memory foam pillow await at each seat. Sky Priority access and the option to check two bags up to 50 pounds each round out the experience.
Medallion members don’t receive free upgrades to this cabin unless they use an upgrade instrument like a Global Upgrade on longer flights.
Delta first class
This is Delta’s premium cabin on most domestic and regional international flights. The cabins are in a 2-2 layout or 1-2 layout on regional jets. These seats are more spacious than those in economy with a side table to place a drink and larger seat pockets.
On some newer aircraft, Delta has installed seats with small privacy “wings” that act as side headrests, too. One complaint of these seats, however, is that they aren’t as padded as other Delta first class seats.
The standard level of service in first class is a welcome bottle of water at the seat, pre-departure beverages, complimentary drinks from the bar and, based on flight length and time of day, a meal. When flights don’t have a meal, a snack basket is passed around. Passengers receive Sky Priority access and the ability to check two bags per person up to 70 pounds.
Most domestic and regional first class flights are eligible for complimentary upgrades for Medallion members, which is a great perk although availability can be limited.
Delta Comfort+
These seats are integrated into the main cabin but have additional legroom and expedited boarding. They also receive a few extra food and beverage perks like complimentary alcoholic drinks and more snack selections.
There are no additional checked bag perks for this fare class, but those with a Delta co-branded American Express card get these benefits without an upcharge.
Passengers must pay a fee to upgrade to one of these seats, but Medallion members receive free upgrades to them.
Main cabin
The economy class section with standard airplane seats is the main cabin. On domestic Delta flights, nonalcoholic beverages and a snack are complimentary, but on long-haul international flights, a hot meal is served with complimentary drinks from the bar.
On long-haul international flights, a blanket is available. Passengers must pay to check a bag unless they have a Delta credit card or Medallion status.
Basic economy
This is the most restrictive Delta fare class and doesn’t include a seat assignment. These passengers are the last to board, which means finding space for carry-on bags can be a challenge (often, travelers must gate-check their bags).
Changes aren’t permitted to these tickets, and passengers won’t earn miles for their flight. Medallion members won’t be eligible for seat upgrades and cannot access the Sky Club.
Once the flight takes off, there are no additional restrictions with basic economy passengers afforded the same benefits as the rest of the main cabin, including free nonalcoholic drinks and snacks (a hot meal, alcoholic beverages and blanket on longer sectors).
What if I want to change my booking class?
After you purchase your ticket, Delta may send you offers via email, on the website or through the Delta app to upgrade your ticket using miles or paying in cash. Medallion members will also be added to the upgrade list for a higher cabin on eligible flights.
For long-haul flights, the only way to get an upgrade without paying miles or cash is to use an upgrade certificate.
These are an option for Platinum and Diamond Medallion members, but competition for upgrade seats (like with complimentary upgrades) can be fierce. For that reason, some travelers choose to pay the difference upfront to guarantee a better cabin.
Delta doesn’t charge a fee to change your ticket, but if you choose to upgrade or downgrade, any difference in fare would be charged (or credited).
Book smarter: Delta credit cards
Secure the best earning rates and benefits for your Delta flight needs by purchasing your tickets with the right credit card.
Here are a handful of Delta card options — or you can read a NerdWallet analysis on which are the best.
Top Delta cards
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Reserve American Express Card
Annual fee
$0 intro for the first year, then $150.
Welcome offer
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. Terms Apply.
Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Learn more
If you seek more flexibility in redeeming miles for award flights, consider applying for a general travel credit card instead. A general travel credit card differs from an airline card in that you can book flights with multiple carriers, rather than reaping the benefits of staying loyal to a single brand.
The more high-end (or “premium”) the travel credit card, the more benefits you can enjoy, including airport lounge access or elite status in certain programs. That said, a brand-specific airline card can net you benefits like waived baggage fees, which can have a meaningful dollar value.
Delta fare classes recapped
Delta has several different cabins and levels of service, as well as fare classes that correspond to each one.
Understanding Delta fare classes can be a helpful way to make sure you have the flexibility and experience you want for a trip, including helping you earn more SkyMiles.
(Top photo courtesy of Delta Air Lines)
To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.