Getting life insurance used to be a time-consuming and tiresome process, but there are now sites that specialize in offering term life insurance online with a quick and easy application process.
In this review, we’ll be taking a look at one of the companies that are making the process simple and affordable, Fabric.
We’ll explore their platform, look at what they have to offer, and explore whether their offerings are a good fit for most people.
Term life insurance offer in less than 10 minutes.
Great for young families and professionals.
No need for medical exam in most cases.
Quick online process.
Fabric is a digital life insurance company that has been operating since 2015. It is online first, so applicants can apply online in less than ten minutes without any need to visit an office. Many Fabric.com reviews highlight the speed and professionalism of this company, but they also offer competitive rates, particularly when compared to insurers that focus mainly on life insurance.
Despite only operating for just over five years, Fabric Insurance has an A+ rating with the Better Business Bureau, and a 4.8 out of 5 star score with Trustpilot.
The company aims to make signing up for insurance straightforward and quick.
You can apply on the Fabric website or using the Fabric app. This makes it easy to arrange your coverage and manage your account without needing to visit an insurance office or wait on hold on a phone line.
Click the button below to apply on the device of your choice.
Fabric Life Coverage Options
Fabric offers several life insurance options, which are similar to what you would find with conventional insurers. These include:
The Fabric term life insurance is available for 10, 15, or 20-year policies, offering coverage up to $5 million. However, in some states, the only option is a 20-year term.
The application process for this coverage requires a medical questionnaire, but you may need to take a medical exam in some cases.
What makes Fabric stand apart from the competition is that the company will match one percent of the policy’s death benefit and donate it to the policyholder’s choice of charity.
You can also convert a term life policy into whole life coverage without a medical exam.
This coverage is available for those age 25 to 50 with no medical exam or health questions. You can choose your coverage level of $100,000, $250,000 or $500,00. The coverage only pays out if the insured person dies due to an accident rather than any other cause, such as an illness.
Fabric accidental death coverage is not available in Colorado, Montana, Massachusetts, North Dakota, New York, Washington, Virginia, or Pennsylvania.
Fabric Insurance Pricing
As with any insurer, your insurance rate will depend on factors including:
Your overall health
The type of insurance you’re looking for
Whether you enjoy risky hobbies
If you are a smoker
Your family history
Depending on how you score according to these factors, you will be classified as a specific Fabric risk level. These are:
Ultra Select: Low-risk lifestyle, no record of smoking in the last five years, and great health history.
Select Plus: Low-risk lifestyle, no smoking in the last three years, perfect health history.
Select: Low-risk lifestyle, no smoking in the last two years, satisfactory health history.
Standard: Moderate risk lifestyle, no record of smoking in the last year, tolerable health history.
Tobacco User: Moderate risk lifestyle, decent health history, yet a smoker.
Those with a lower risk profile will pay less in premiums. However, if the algorithm does determine an offer, you can request a human to review the application.
Fabric also makes it easy to pay for your insurance coverage.
You can pay using a credit or debit card. While it is important to ensure the card on file doesn’t expire, there is a grace period if the payment method fails.
Create A Will For Free With Fabric’s Tool
While not insurance, Fabric also offers a service to make a will in 5 minutes. The tool makes it quick and easy to appoint a guardian for your children, cover any expenses, repay any debt or make final arrangements should the unexpected happen.
This great add-on service is designed to help parents become fully aware of all the implications of an unexpected event to ensure they are as prepared as possible.
You can complete your free online will in just a few steps. After you answer some basic questions, Fabric will guide you through creating a suitable will. You can then make your will legally binding by printing it out and having it signed by witnesses. Fabric then allows you to share your will details with the executor and your beneficiaries with the app.
Another innovative feature of this company is the Fabric Vault. This allows you to store your critical financial information in a secure location. You can feel confident that your will, trust documents, and any other financial documents such as your real estate investment certificates are safe. You can easily access the information you store in your vault.
Fabric uses multi-factor authentication and High Assurance SSL certification to safeguard your information. All your documents are stored using industry-standard 256-bit encryption.
Pros and Cons of Fabric
As with any financial product, there are both positive and potentially negative aspects of Fabric. These include:
Direct to Consumer Model: Fabric operates on a direct-to-consumer model, so you buy insurance directly from the company via your computer. Since you skip using an insurance agent, Fabric saves money and passes these savings to you.
Superb Fabric App: Fabric launched its app in 2019 and it makes it easier to access its services. The app is available for current or prospective customers and you can apply for insurance, organize financial documents or create a will on the go. You can also use the app to coordinate with legal experts and financial advisors. You can also use the app or website to make your premiums or assign claims.
You May Not Need a Medical Exam: Fabric treats every applicant as different. In most cases, you can obtain instant approval for your application, so you may not need a medical exam.
Conversion to Permanent Life Policies Possible: There is the option to convert your Fabric term life insurance into a permanent policy.
Grace Period: Fabric offers a 31 day grace period. So, if you miss a monthly payment because of a failed payment method, you have 31 days to ensure you make the payment.
No Long Term Options: Fabric typically focuses on applicants with children still at home, so it doesn’t offer longer-term options. It is not possible to have a 30-year term policy as the maximum is 20 years.
Only Representing Vantis Life: Unlike some online insurers, Fabric exclusively represents Vantis Life. So, there is a lack of flexibility and you cannot easily compare pricing. This means that if you are looking for the best quote, you will need to get Fabric quotes and then search for other quotes elsewhere.
Age Limits: Additionally, there are age limits, accidental death is only available for 25 to 50-year-olds and the term insurance policies are not available to those age 60 plus.
Not Available in All States: Fabric products are not available in all states, particularly Montana and New York.
Who is Fabric Best For?
Fabric is not designed to offer services to everyone. It is a good option for new parents who need to quickly get coverage due to their changing circumstances. If you’ve just had a new baby, you will have lots of things to do, so trying to schedule medical exams or visits to insurance offices can be a real pain. With Fabric, you can apply online and initiate coverage with no delays.
Fabric is also a good option for those aged 25 to 44. According to CDC data, this age group has the highest risk of accidental death. Fabric offers competitive accidental insurance coverage for all types of accidents including car or bike accidents.
Who Is Fabric Not Ideal For?
As we touched on above, Fabric is not ideal for everyone. If you have a pre-existing condition, you may find it difficult to get insurance approval without a health exam. Additionally, your accidental death coverage will not cover you should you die due to an illness.
Fabric is also not an option for anyone age 50 or older. The company does not offer accidental death coverage to the over 50s and the coverage automatically ends when you reach 60.
While Fabric is innovative, it is not the only option and there are some great alternatives. These include:
Bestow is 100 percent online and like Fabric offers term life coverage. However, Bestow offers 10, 15, 20, 25, and 30-year terms up to $1.5 million. So, while you can get more term flexibility, the maximums are lower.
Like Fabric, you don’t need to have a medical exam, but you could be denied if you don’t meet the Bestow qualifications. As with Fabric, the Bestow products are issued by one provider; North American Company for Life and Health Insurance.
Read our full Bestow review.
Online term life insurance.
Coverage up to $1.5 million.
Plans start from just $10/month.
Haven Life works exclusively through MassMutual and it is available across all 50 states. They offer 10 to 30-year term policies up to $3 million.
Like Fabric, you may need a medical exam to qualify, but coverage is available for those aged 18 to 64.
Online term life insurance.
Coverage up to $3 million.
10, 15, 20 and 30 year terms.
Sproutt allows you to customize your coverage up to $3 million. Your rates and policy are based not just on your choice of plan but also on your lifestyle habits. If you generally have a healthy lifestyle, it is worth obtaining a quote.
However, you don’t buy your policy directly from Sproutt. Instead, when you provide information about yourself and your needs, Sproutt issues a Quality of Life Index score. They will also shop for policies on your behalf.
The entire process only takes a few minutes and typically no medical exam is required.
Online term life insurance.
Coverage up to $3 million.
Quote based on a lifestyle based QL score.
Good customer service online and by phone.
Fabric Life is a great option for those who want to quickly obtain coverage. You can apply for and manage your policy through the website or using the Fabric app.
However, what makes Fabric innovative is the variety of free tools. You can use the app to create a free will, sync your finances, open a savings account or college savings plan.
Additionally, Fabric has an excellent support team that offers professional, quick service. You can access the team of agents at any time of the day or night, via the online chat platform. This can help you to quickly resolve any queries.
While Fabric only offers products from Vantis Life, it is easy and quick to obtain a Fabric quote. So, if you are in generally good health and under the age of 50, it is definitely well worth getting a quote with Fabric.
Frequently Asked Questions
Here are the answers to some of the most frequently asked questions about Fabric.
Is Fabric Life Insurance safe?
Yes, Fabric Life Insurance is a known life insurance company with a A+ rating from A.M. Best, BBB rating of A+ and a Trustpilot score of 4.8/5 stars. They are a trustworthy company.
What types of insurance does Fabric offer?
Fabric offers term life insurance and accidental death insurance. It also has a free software to create a will.
Is Fabric Life Insurance available everywhere?
At this time Fabric life insurance policies are available in 47 states, not including California, Montana, and New York. Accidental death policies can’t be purchased in Colorado, Massachusetts, Montana, New York, North Dakota, Pennsylvania, Virginia and Washington. Does Fabric Life Insurance have a phone number?
Fabric’s phone number is 917-765-3572. The support email is email@example.com. They prefer to handle support via their excellent online customer service portal, however.
Free money sounds too good to be true, but there are actually a number of different ways to get your hands on money with no cost and very low effort on your part.
Here, we’ll take a look at more than 20 free money apps that will put some extra money in your pocket with minimal time or effort.
While you’re not going to get rich or generate a full-time income from these apps, you will be able to get a little bit of extra money that you can spend, save, or invest. And best of all, anyone can do it.
Swagbucks. This popular website and app gives you several different ways to make money including:
Taking short surveys
Downloading and installing apps
Taking advantage of special offers
Cashback for your online purchases
Using the Swagbucks search engine
Most people know Swagbucks as a survey app, and while that’s true, you can make more money with Swagbucks than most other survey apps because there are so many different ways to earn.
Each task or activity will earn you a specified number of points (referred to as “Swagbucks” or SB). After you’ve accumulated some SB, they can be redeemed for your choice of rewards, including cash via PayPal or a wide variety of gift cards.
The best way to earn significant amounts of money with Swagbucks is to take advantage of special offers. When you’re logged in to the dashboard, click on “Discover” to see the offers that are currently available. You might be able to earn Swagbucks for creating an account at a website, opening a bank account, starting a free trial, or any number of other things. The offers change frequently and if you take advantage of the highest-paying offers while they’re available, you can do pretty well with Swagbucks.
One of the many reasons to love Swagbucks is because you can redeem your rewards very quickly. While some sites/apps don’t allow you to cash out until you’ve earned $20 – $30 in rewards, Swagbucks allows you to redeem your rewards for as little as $3. They also run a lot of sales, which allows you to get a higher value gift card for your points.
Get Swagbucks here|Read our Swagbucks review
Best for: Supplementing Swagbucks as another way to make money with easy tasks.
InboxDollars is very similar to Swagbucks. As an InboxDollars user, you’ll be able to make money by:
Claiming special offers
Like Swagbucks, the best way to earn money quickly with InboxDollars is through the special offers. The available offers will change periodically, but as an example of what you’ll find, right now here are a few of the offers that I see in my dashboard:
$10 to get a free insurance quote
$2 to enter a competition/giveaway
$1.50 to download an app and create a free account
$2 to get a free credit score and credit report analysis
Those are just a few examples of what’s available. If you take advantage of these easy offers, you can earn a decent amount of money with very little effort.
Unlike Swagbucks and many other similar sites, InboxDollars doesn’t work on a point system. Instead of earning points that will be redeemed for prizes, you’ll earn real cash. Each task or offer has an assigned dollar amount that you’ll earn.
InboxDollars requires you to have a balance of at least $10 in order to redeem your cash.
Get InboxDollars here| Read our InboxDollars review
3. Survey Junkie
Best for: Making money with simple online surveys.
While you can make money by taking surveys with both Swagbucks and InboxDollars, Survey Junkie is a bit different. Instead of offering surveys plus several other ways to make money, Survey Junkie focuses exclusively on surveys.
If you want to earn cash through online surveys, the best approach is to use a few different websites and apps. If you’re really active, you may run out of available surveys from a particular app, until new surveys are added. Using a few different sites or apps gives you more possibilities. Plus, you can pick and choose the surveys you take since you’ll have more selection. You can opt to take only the surveys that allow you to earn the most money for your time.
Since Survey Junkie focuses exclusively on surveys, most people are able to make more at other sites like Swagbucks that have more options. However, if you’re looking specifically for surveys, there’s no better place to find them than Survey Junkie.
When you create an account and login to the dashboard, you’ll need to take a brief profile survey with some details about yourself so you can be matched up to the right surveys (you’ll also earn a little money for completing this intro survey).
Then you’ll see a list of the available surveys. Each one will list the amount that you’ll earn for completing it, as well as the estimated amount of time it will take to complete the survey.
Get Survey Junkie here.
4. Vindale Research
Best for: Supplementing Survey Junkie as a source of paid surveys.
Vindale Research is another survey website/app that allows you to earn money by:
Completing short surveys
Opening promotional emails
Referring your friends
Although Vindale offers a few different ways to make money, taking surveys is the primary offer here. You’ll earn real cash that can be redeemed by PayPal.
Vindale Research is a good option for anyone who wants to make money with online surveys. The income potential is not as high as Swagbucks or InboxDollars, but Vindale is worth including in your collection of sites/apps that you use for surveys.
Get Vindale Research here
Best for: Easy cashback for online purchases at thousands of websites.
Rakuten (formerly Ebates) is the most popular cashback website/app and you can save money on many of the purchases that you would be making anyway.
With a free Rakuten account, you’ll earn cash back at thousands of their partner stores and websites. While there are some options for cashback on in-store purchases, the majority of the offers are for online purchases.
Thankfully, using Rakuten is extremely simple. They offer a convenient browser extension you can install, and then whenever you visit a website that offers cashback through Rakuten, you’ll see a notice in your browser. All you need to do is click on that notification and Rakuten will track any purchases that you make and credit your count with the appropriate amount of cashback.
If you do any shopping online, using Rakuten is a no-brainer. It takes no extra effort and you can save money on a lot of the things you need to buy. The browser extension is awesome because you don’t even have to remember, it will notify you of opportunities. The browser extension will also automatically search for and apply coupon codes when you’re checking out, which will also save you a lot of money.
The amount of cashback you’ll earn will vary depending on the store and the specific purchase. It can range from 1% up to 50%.
One of my favorite things about Rakuten is the fact that you can stack these rewards on top of credit card rewards and other loyalty rewards to save even more.
Get Rakuten here | Read our Rakuten review
Best for: Cash back on grocery shopping.
Ibotta is another must-have cashback app. Unlike Rakuten, Ibotta is great for in-store purchase, as well as online shopping.
There are a few different ways you can use Ibotta:
Claim offers in the app and then scan your receipt after purchasing.
Link your store loyalty accounts from your favorite retailers to earn cashback faster.
Buy gift cards for your favorite stores and restaurants to earn cash back on the entire amount.
Earn cash back for online purchases that originate through the app or website.
With the help of Ibotta, you can save money on groceries, clothing, home goods, and more. Ibotta is easily one of the best ways to save money on groceries since they are partnered with many leading grocery stores and there are always a lot of offers available.
Before you go shopping, you’ll simply browse the current offers in the Ibotta app and claim the items that you want to purchase. After the purchase, you’ll scan the receipt using the Ibotta app and you’ll be credited for the offered items that you purchased. Alternatively, you can link your store loyalty account to Ibotta so you won’t need to scan receipts.
And just like Rakuten, Ibotta is great for stacking rewards on multiple levels. If you’re shopping for groceries, you can earn cashback through Ibotta, earn cashback or rewards through your credit card, and rack up loyalty points through the store’s program.
Get Ibotta here | Read our Ibotta review
7. Fetch Rewards
Best for: Supplementing Ibotta to save more money on groceries.
Fetch Rewards is another cashback app, but it was created specifically for grocery shopping. It works a little bit differently than Ibotta. You don’t need to claim offers ahead of time. You’ll simply do your shopping and then scan the receipt with your phone or submit the digital receipt for your online grocery shopping.
The best thing about Fetch Rewards is that it’s very easy to use since you don’t need to browse and claim offers before you go shopping. You’ll simply open the app and scan your receipts. At any time, you can browse the app to see the available offers and see what purchases will earn you money, but you don’t need to claim anything. The cashback will be automatically added when your receipt is scanned.
In general, most people earn more cashback with Ibotta, but Fetch Rewards is great to use in addition.
Once you’ve accumulated some rewards, you’ll be able redeem them for your choice of gift cards.
Get Fetch Rewards here | Read our Fetch Rewards review
Best for: Alternative to Rakuten, plus surveys and other ways to make money.
MyPoints has a cashback component that is similar to Rakuten. You’ll earn cashback for your purchases at all of their partner websites. MyPoints also has a browser extension you can install that will notify you of money-saving opportunities while you’re browsing.
In addition, you can also earn money in a few other ways like taking surveys, watching videos, playing games, and printing coupons. Like Swagbucks and InboxDollars, there are also special offers available through the dashboard that allow you to earn points quickly.
MyPoints uses a points system and then those points can be redeemed for gift cards or your choice of rewards. However, the conversion of points to dollars is not as straightforward as Swagbucks, so MyPoints can be a little confusing. For example, a $10 gift card might cost you 1,590 points. The fact that it’s not a round number makes it a little more challenging to know how much your points are worth.
If you’re looking to make money with surveys, special offers, or cashback, MyPoints is definitely and app that you should be using.
Get MyPoints here
Best for: Maximizing your cashback for online purchases (offers are sometimes better than Rakuten).
TopCashback is very similar to Rakuten and it’s one of the best ways to get easy cash back for your online purchases. They have a huge collection of more than 4,000 partner retailers offering cash back through their platform.
Rakuten is the most-well-known cashback program and probably the easiest to use, but TopCashback actually offers higher amounts of cashback in many cases. Of course, the details vary from one retailer to the next, but TopCashback has done a really great job of providing users with the best offers possible.
If you’re looking to maximize the cashback you earn, you should be using TopCashback in addition to Rakuten. Like Rakuten, TopCashback also offers a browser extension and mobile app that provide easy and convenient ways to save on many of the purchases you need to make anyway.
Get TopCashback here
Best for: Automated cashback from participating merchants, including local retailers and restuarants.
Dosh is a cashback app that provides automatic cashback. When you download and install the app, you’ll link it to your credit cards or debit cards and then whenever you make a purchase at a participating retailer, you’ll automatically earn the cashback for your purchase.
When you’re in the Dosh app, you can view the offers from retailers and restaurants that are near you. You can also shop online through the app and earn cashback.
One of the nice things about Dosh is that you’ll find cashback offers from many smaller businesses and local restaurants, not just the major retailers and chains.
After you’ve earned some cashback, you can redeem it by having it transferred directly to your bank account.
Get Dosh here | Read our Dosh review
Best for: Automated cashback, plus savings through the app/website.
Pei is another cashback app that allows you to link a credit or debit card to earn automatic cashback. You’ll earn cashback automatically from purchases made in-store at participating retailers, and you can also browse the app or website to find offers for shopping online.
You can even use Pei as a search engine to search for merchants or products and see if there are any current offers.
Pei is a great app for earning cashback on in-store purchases because it’s so simple to use and there’s really nothing you need to do after linking your cards.
One of the most interesting things about Pei is that you can claim your rewards in Bitcoin instead of cash, if you prefer.
Get Pei here
Best for: A chance at winning large prizes by playing games.
Lucktastic is a free app that allows you to earn money and rewards by playing games. You can win expensive trips and huge cash prizes (up to $1 million) with Lucktastic.
If you’re not lucky enough to win one of the big prizes, you can still earn tokens as you play and redeem those tokens for your choice of gift cards.
While hitting it big with Lucktastic certainly isn’t something that everyone is going to do, it can still be a fun way to try and make some money while playing games in your spare time. If you’re looking for something that gives you a more predictable way to earn money, the options covered earlier in the article would be more appropriate for you.
Get Lucktastic here
Best for: Earning smaller rewards, like gift cards, for playing games.
Mistplay is another app (available only for Android) that pays users for playing games. You can find and discover new games, earn units based on how long you play, and redeem those units for your choice of rewards.
As you use the app, you’ll be able to unlock different achievement badges and earn more units.
To date, Mistplay has paid out more than $13 million in rewards. Try another app that pays you to game here: Gamehag
Get Mistplay here
14. Zap Surveys
Best for: A good source for surveys that actually pay out.
Zap Surveys is the #1 survey app, and by using the app you can get paid to share your opinion on a variety of topics. To date they’ve paid out over $30 million dollars in rewards to Zap Surveys members, and when you sign up with our link you’ll earn $6.25 on your first survey.
Types of surveys they have include:
High paying surveys where you will not only be rewarded, but we will also donate to child starvation every completed survey!
Logo polling – get paid to tell companies what design they should use for their next logo!
Surveys that appear based on your location!
There is no limit to the number of times you can cash out, but the minimum cash out is $25.00. Cash out with PayPal, Amazon gift cards or Visa gift cards!
Get Zap Surveys here
15. Nielsen Computer & Mobile Panel
Best for: A chance at monthly prizes, in exchange for your browsing data.
Nielsen is a data research company that’s willing to pay for your browsing data. Nielsen can be used on laptops in addition to mobile devices.
You’ll simply download it to your computer or device and let it run in the background. In exchange, you’ll be rewarded for leaving it active and have a chance to win the $10,000 that Nielsen gives away each month.
Get Nielsen Computer & Mobile Panel here
16. Embee Meter CX
Best for: Passive rewards for your mobile browsing data.
Embee Meter CX is another mobile data research app (Android only) that rewards you for providing access to your device. Simply install the app on your device and you’ll earn “meter points” for leaving it active.
You can redeem the meter points for cash through PayPal or your choice of gift cards. Like Nielsen and MobileXpression, Embee Meter CX is an easy way to earn a little something extra.
Get Embee Meter CX here
Best for: Passive rewards for visiting websites you probably already visit.
UpVoice is another easy way to earn something for the things you’re already doing. You probably already visit websites like Amazon, YouTube, LinkedIn, and Twitter on a daily basis, so why not get some rewards for it?
All you need to do is download UpVoice to your computer and let it run in the background. You’ll earn tokens whenever you visit these sites. After you’ve earned enough tokens, they can be redeemed for your choice of gift cards.
UpVoice obviously monitors your browsing, however, it’s anonymous and no personal data is tracked.
Get UpVoice here
Best for: Payment for sharing your internet access.
Honeygain is another option for earning money passively, but you don’t have to provide access to your data in order to do it. Instead, you’ll install Honeygain and it will allow users to access the internet from your location. There are a number of reasons why a business would want to do this, including testing to see what ads are being shown to a user at your location.
Other users don’t get any access to your data through Honeygain, and you’ll earn money for providing the internet access.
Like the other passive apps, you’re not going to get rich with Honeygain, but it does present an easy way to make a little bit of extra money.
Get Honeygain here
Best for: Bill negotiation services to lower your monthly payments.
Truebill helps you to manage your finances in a few different ways, but the most significant is by reducing your monthly bills through negotiation. You can allow Truebill’s professional negotiators to work on your behalf to get you the best deal cable TV, internet access, mobile phone service, and more.
If Truebill isn’t able to save you any money, you’ll be charged nothing. If they are able to lower your bills, they’ll keep 40% of the savings.
Get Truebill here
Best for: Bill negotiation services to lower your monthly payments.
Trim is another bill negotiation service that’s similar to Truebill. Both companies offer some additional features and services as well, but the bill negotiation is the easiest way to save money.
Trim’s rates for bill negotiation are actually a little lower than Truebill. Just like Truebill, they won’t charge anything if they can’t save you any money, but they’ll take 33% of any savings.
Get Trim here
Best for: Monitoring price changes for low-price guarantees and monitoring shipments from Amazon.
*Capital One Shopping compensates us when you sign up for Capital One Shopping using the links below.
Paribus from Capital One helps you to get easy money that is owed to you. You’ll sign up for free and link it to the email account you use for online shopping. Whenever Paribus sees a receipt it will automatically go to work.
After you’ve made a purchase, Paribus will monitor price changes and notifies you if the price has dropped on a purchase from a retailer with a price-match guarantee. They’ll tell you exactly what to do in order to get the refund that is owed to you.
Paribus also monitors shipments from retailers like Amazon and helps you to get compensation when a shipment is late.
Get Capital One’s other shopping tool, Capital One Shopping, to save money when you’re shopping online. The browser extenstion will tell you if you’re getting a good price, help you comparison shop and more. Read a full Capital One Shopping review here.
Get Paribus here | Get Capital One Shopping
Best for: Saving money on your gas.
GetUpside is a savings app that helps you to find the best prices on gas, and also to get additional cash back savings once you find the best price.
Not only can you get cash back on gas, but many local restaurants, grocery stores and convenience stores have cash back offers available as well.
GetUpside works with major gas stations like Shell, BP, Exxon, Speedway, Holiday Stations and more. See gas prices near you at 9000+ stations and earn fuel rewards with real cash back every time you fuel up.
I’ve found that the stations near me typically advertise around $0.25 cents/gallon savings on their gas prices. You can also save additional money off of the price by referring other users to the app.
We’ve been using the app quite a bit for Burger King and Wendy’s restaurants in our area as they give anywhere from 25-40% cash back on your order. That’s pretty awesome, and it usually stacks with cash back from other services like Dosh or Pei!
In checking our cash back history just now I realized we’ve earned $558.94 in cash back using GetUpside. I’ll take that!
You can cash out whenever you want in the app, and they pay cash back via PayPal, check, or gift card.
Sign up for the app through our link below, and use promo code: gas21 to get an extra 0.10 cents/gal cash back on gas on your first fill-up.
Get GetUpside here
Best for: Making money on all of your receipts, no matter where they come from.
ReceiptPal is a receipt scanning app, similar to Fetch Rewards mentioned above. Often you can use multiple apps like this to earn rewards at more than one service. I personally use ReceiptPal and Fetch Rewards for most of my grocery receipts.
With ReceiptPal you earn rewards points simply for scanning all of your paper receipts, along with getting points for linked Amazon or email accounts where additional receipts can be counted.
For every 4 receipts you can you’ll get 100 points that you can use towards a reward. You can redeem your points with as little as 2200 points for a $5 Amazon gift card, or a Target, Lowe’s Best Buy or Visa gift card, among a few others. You can also refer other users and earn 250 points per user.
While it takes a while to earn rewards with ReceiptPal, I like it because it’s easy, and you’re taking something that wouldn’t otherwise earn rewards, scanning receipts, and monetizing it.
I just started using it a few months ago and so far I’ve been able to cash in my points for several $5 and $10 Amazon gift cards.
Get ReceiptPal here
Make Money With Apps In Your Free Time
While these apps may not make you rich, even a small amount of extra money is a good thing.
These free money apps work in various ways, but they all help you to make or save money with little-to-no effort needed.
Have your own favorite apps that you’ve used to make money? Tell us what they are in the comments!
Frequently Asked Questions
Are there apps that pay you cash?
Yes, there are countless apps that will pay you in cash, bitcoin and gift cards. I’ve earned thousands of dollars myself by using many of these apps, and you can too. Check out our full list of apps at Bible Money Matters for more information.
What apps pay you instantly?
Most apps allow you to earn points until you reach a certain payout threshold. Some secret shopper and gig apps like Field Agent, Gigwalk or Mobee will give you an instant payout. Uber and lyft will also allow you to do a same day cashout, although there are some limitations. Other services like DoorDash will offer an immediate payout once you’ve been with them for a while, but not before.
What cash back apps are the best?
My favorite cash back apps are Pei, GetUpside, Drop, Ibotta, Fetch Rewards and Dosh. Apps like Dosh, Drop, GetUpside and Pei even work automatically with no receipt scanning or anything else, once you link a credit card. I use them the most becaause they’re the easiest to use.
What apps pay you money to play games?
There are a lot of apps and websites that pay you to play games. Some of the more popular ones include Swagbucks, Mistplay, Gamehag, Inbox Dollars, Lucktastic, MyPoints, and Bananatic.
Can you make money from apps?
Yes, you can make money from apps. Some apps will pay you for doing your onlineshopping using their app. Others will pay you to fill out surveys, or to scan your receipts from your in-store purchases. Others will pay you to perform small tasks, or to partake in the gig economy (dog walking, ridesharing, etc). Others you can use to sell your stuff, and then get a payout when it sells. It just comes down to deciding how much time you have to invest, and how much you want to make.
Which apps pay the most?
The highest paying apps are probably going to be the ones where you’re actually engaging in a side hustle to earn income. Apps like Uber, Lyft, Rover and other gig economy apps can help you to earn close to a full time income. Other apps will have good sign up bonuses that it pays to take advantage of. Personal Capital has a $20 Amazon gift card to sign up, Ibotta has a $10 sign up bonus. Otherwise, other apps may take a while to earn as much as you want.
What’s the first thing that comes to mind when you think about your job?
For many people, a job is simply a necessity in order to cover the expenses of life, but it’s not enjoyable.
If your job is something that you dread each day, have you ever thought about making a change? There are a lot of fun jobs that pay well, offering a rewarding career rather than something that feels like it’s sucking the life out of you.
While we’re all different and no job will appeal to everyone, there are some good options out there regardless of your own interests and your own personality.
Want the ultimate fun job? Learn how to manage Facebook ads for clients and earn money with a flexible schedule working from home. Bobby Hoyt’s Facebook Side Hustle Course teaches everything you need to know
Steady will help match you with a full-time, part-time or hourly jobs to help you bring in some extra steady income.
In addition they have other ways that you can earn extra income by doing tasks online. It’s definitely worth checking out.
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Fun Jobs That Pay Well
Let’s take a look at a number of jobs that tend to be enjoyable, while also providing an opportunity to earn an above-average income.
For the purposes of this article, we’re getting the average salary details for each job from ZipRecruiter. Keep in mind that this is strictly an average and there are a lot of factors that can influence what you’ll actually earn.
We’re listing the jobs according to the average annual salary, with the highest-paying opportunities first. Of course, there is a lot more that goes into job satisfaction than simply how much money you make, so don’t choose a career based on income alone.
1. Video Game Designer
Average salary of a Video Game Designer: $130,000
If you like video games, what job could be more fun than working as a video game designer? Not only will you be able to work on projects that you enjoy, but you’ll also get the satisfaction of creating games that others love.
Like other design-related jobs, this is a career that allows you to utilize your creativity. If you’re naturally creative, this is the type of job you should have in order to find the most satisfaction in your work.
This is one career where your skills are likely to be more important than your education. Many video game jobs will require a degree of some kind, but it’s possible to start a great career with as little as an associate’s degree.
2. Ethical Hacker
Average salary of an Ethical Hacker: $119,289
An ethical hacker is hired by a company to test the security of a computer system, network, or website. The job involves attempting to hack the system and find weaknesses or vulnerabilities.
While there are certainly some unethical ways to make money as a hacker, this career path offers a lucrative option that will actually help companies instead of hurting them.
Of course, you’ll need plenty of technical knowledge and hacking skills. You may need a degree or certification, although the qualifications will vary depending on the job. You’ll also need to be constantly learning to stay on top of new technology and techniques.
Average salary of a pilot: $108,921
What could be more fun than flying a plane? Working as a pilot is not only enjoyable, but it’s also a very high-paying job.
Instead of sitting in an office, you can spend your working hours 30,000 feet above the ground. Naturally, this job will involve travel, although the specifics will depend on the routes that are assigned to you. Pilots also tend to work non-traditional hours, which may or may not be appealing to you.
The requirements will vary depending on the job. Pilots for major airlines are typically required to have a college degree, as well as extensive training.
4. Wedding Photographer
Average salary of a Wedding Photographer: $104,417
Photography can be a very competitive industry, as it seems like everyone has at least one friend or family member that does photography as a side job. But wedding photography stands out from other types of photography because it’s much more suitable for professionals than hobbyists.
Wedding photographers do face some pressure in their line of work (you only get one chance to capture the moment) but it can be highly rewarding. The cost of a wedding photography package can easily total thousands of dollars.
Not only are wedding photographers paid well, but they also benefit from enjoyable work. You’ll get to use your creative or artistic side, work with a lot of different people, and provide clients with photos that they’ll cherish for years to come.
Most wedding photographers are self-employed (although you could work for someone else as a second shooter) so there are no specific requirements in terms of education. The most important thing is that you’ll need a quality portfolio of photos in order to land clients. You may need to offer your services for very low prices in order to land your first clients and start to building your portfolio.
5. Software Engineer
Average salary of a Software Engineer: $99,729
If you enjoy working on your own and spending a lot of time at a desk, becoming a software engineer could be an excellent career choice.
Whether this job is fun or not will depend on your own personality and your interests, but for the right person, it’s a great job that is very rewarding.
Although you’ll be spending the majority of your time working on your own to code or develop software, you’ll also need to communicate and collaborate with teammates and colleagues.
Most jobs for software engineers or software developers will require a bachelor’s degree in computer science or some other related field. Of course, aside from the degree, you’ll also need skills in the particular coding language being used for the software.
Average salary of a Veterinarian: $96,624
If you’re an animal lover, a career as a veterinarian is likely to be both fun and rewarding. You’ll get to spend your time helping animals and pet owners, and you’ll probably work with a wide variety of types of animals.
As you might expect, the requirements to become a veterinarian are pretty significant. You’ll need a bachelor’s degree plus completion of a Doctor of Veterinary Medicine program.
If you’re interested in this type of job but you’re not able or willing to invest the time and money into the education, it’s possible that you would work another job in a vet’s office to get many of the same benefits, although you won’t be paid as well.
7. Physical Therapist
Average salary of a Physical Therapist: $89,349
Physical therapists help clients with rehabilitation or treatment of chronic issues. If you love working with people and you don’t want to sit at a desk all day, this could be a great career choice for you.
You’ll need a Doctor of Physical Therapy degree in order to work as a physical therapist.
8. Air Traffic Controller
Average salary of an Air Traffic Controller: $84,103
Air traffic controllers are responsible for organizing planes that are landing and taking off, in order to keep everyone safe.
Working as an air traffic controller can be an exciting job, but it does come with a lot of responsibility. You’ll need excellent attention to detail as people’s lives will be in your hands every day.
You’ll need formal training in order to work as an air traffic controller, but there are a few different ways that you can get that training. You could get training through the Federal Aviation Administration, or gain experience in the military.
9. Art Director
Average salary of an Art Director: $78,781
If you enjoy using creativity in your work, becoming an art director could be a wise choice of career. Art directors are generally responsible for overseeing things like advertising, publication layout, photography, and more.
It’s similar to a design role, but you’ll be a manager and responsible for overseeing more than doing the actual design work yourself.
Art director jobs are typically senior level and require a combination of a degree and several years of design experience. If you have the relevant experience, this could be a job that you pursue now. If you’re in the early stages of your career, this could be a long-term goal while you build your experience and resume as a designer.
10. Voice Actor
Average salary of a Voice Actor: $76,297
As a voice actor or voiceover artist, you’ll be reading a script and recording audio to be used in a variety of different ways. Your projects could involve things like creating audiobooks, recording sales videos, creating commercials, and much more.
With the amount of audio and video content being produced these days, working as a voice actor is a great job and these skills are in demand.
Many voice actors work as freelancers, so there are no set requirements in terms of education or experience. If you have some skills, you may be able to start landing clients and building your portfolio. The clips in your portfolio will be the most important factor in your ability to land clients and make money as a voice actor.
11. Web Developer
Average salary of a web developer: $75,073
A job as a web developer is fairly similar to the opportunity that we’ve already discussed for software engineers. Instead of software, you’ll be coding websites or web-based apps.
The qualifications will vary depending on the job. Some development positions will require a degree, however, your coding ability will be more important. You may be able to land a quality job even if you don’t have a degree by having a strong portfolio.
Working as a freelance web developer is also an option. You can either focus on growing your own business, or freelance for the purpose of gaining experience and proving your ability in order to help with landing a job.
12. Helicopter Pilot
Average salary of a Commercial Helicopter Pilot: $67,540
Flying an airplane isn’t the only option if you want to work as a pilot. Helicopters can be even more fun to fly than jets, and the income potential is pretty good.
To work as a helicopter pilot, you’ll need training from an FAA-approved flight school, or you could get the necessary training in the military.
13. Virtual Assistant
Average salary of a Virtual Assistant: $67,115
A virtual assistant will perform administrative tasks remotely, from home or wherever you have an internet connection. The specific tasks can vary widely depending on what the client needs.
Most VAs will work for several different clients, so it’s possible to get a lot of variety in your work. One of the factors that makes this job so appealing is the flexibility. Not only can you work from home, but you can also set your own hours and work as much or as little as you want. This job is equally well suited for part-time and full-time work.
The best way to make money as a VA is to freelance and find your own clients. There are VA jobs available, but they tend to be lower paying. If you want to earn a better income, you should freelance rather than working as an employee.
30 Days or Less to Virtual Assistant Success is a popular course that teaches you everything you need to know in order to start making a great income as a VA.
14. Freelance Writer
Average salary of a Freelance Writer: $63,213
Continuing with another job that can be done from anywhere, working as a freelance writer offers a lot of perks. It’s a flexible job that can be done part-time or full-time, you can use your existing experience or expertise, or choose to focus on topics that interest you.
There is plenty of work available and skilled writers are able to make a great income.
You don’t need any specific education or experience to work as a freelance writer, although writing skills are obviously important. There are entry-level gigs available for those who are just getting started, but you’ll need to build a portfolio and demonstrate your abilities to land the highest-paying jobs.
Check out the course 30 Days Or Less To Freelance Writing Success.
15. Cruise Director
Average salary of a Cruise Director: $63,185
For those who enjoy traveling and entertaining others, working as a cruise director could be a dream job. As a cruise director, you’ll be responsible for the entertainment and activities on a cruise ship.
You’ll manage a staff of workers and organize events to entertain cruise guests. It’s a job that involves a lot of interaction with people, and it can be a lot of fun.
To work as a cruise director, you’ll typically need a bachelor’s degree as well as experience with event planning. You may be interested in gaining experience with other roles on the ship that would prepare you and help you to establish qualifications to be hired as a cruise director.
16. Web Designer
Average salary of a web designer: $60,202
Earlier, we talked about working as a web developer. While developers are responsible for the coding, web designers focus more on the visual aspects. Some web designers also do HTML and CSS coding, while others strictly work on the visual design.
Many web design jobs are remote, so this is another opportunity that can be done from anywhere, depending on the job.
Some web design jobs may require a degree, but your work experience and design ability will be more important than education to most employers. It’s also possible to freelance or even start your own agency, so you don’t have to wait for someone to give you a job in order to become a web designer.
17. Landscape Architect
Average salary of a Landscape Architect: $59,868
Working as a landscape architect is another creative job. You’ll be designing outdoor spaces that people use and love, so it can be a very fun and rewarding job.
You could be designing for residential clients, outdoor spaces for businesses, parks, or other outdoor spaces.
Typically, you’ll need a bachelor’s degree in landscape architecture in order to qualify for a job. Obviously, your experience and portfolio will also play an important role in landing this type of job.
Average salary of a DJ: $58,267
As a disc jockey or DJ, you’ll get to work at fun events and provide entertainment to people. If you love music and being at weddings, parties, and other events, this could be the perfect job for you.
There are no official requirements to become a DJ and since many DJs are self-employed, anyone can start a business and go into this line of work.
Average salary of a Sommelier: $56,061
If you love wine, what job could be better than working as a sommelier? As the wine expert, your responsibilities may include things like creating a wine list for a restaurant or making wine recommendations to customers.
There are some organizations that offer certification as a sommelier, although certification is not absolutely essential in order to work in this type of job. You’ll need extensive knowledge of wine and ideally some experience in the industry, which might involve working under another sommelier to gain that experience.
Average salary of a Librarian: $55,395
While it may not be the first thing that comes to mind when you consider fun jobs, working as a librarian can be a great choice for the right person.
If you love books and enjoy working in a quiet environment, this could be the job for you.
Most head librarian jobs will require a bachelor’s degree and possibly even a master’s degree. However, if you don’t already have the required education, there are other jobs at a library that don’t require a degree.
Average salary of a Magician: $54,071
If you love entertaining and delighting others, why not work as a magician? Performing magic or illusions can be a lot of fun while allowing you to use your skills.
There are no formal requirements to become a magician and no education is needed. Instead, you’ll need the ability to perform tricks and to entertain.
Many magicians are self-employed, but you might be able to gain valuable experience by working as an assistant for another magician.
22. Social Media Manager
Average salary of a Social Media Manager: $50,088
If you already spend hours a day on social media, you should consider working as a social media manager. You would be responsible for managing the social presence of your employer or clients on sites like Facebook, Instagram, Pinterest, Twitter, and other social networks.
A growing number of businesses rely on advertising on social networks like Facebook. You can get paid to set up and manage ads for clients, and this work can be quite lucrative if you’re good at getting results for your clients.
Bobby Hoyt’s Facebook Side Hustle Course will teach you everything you need to know to start your own business managing Facebook ads for clients in your local area.
If you’re looking for employment as a social media manager, you may need a degree. However, you could work as a freelancer or start your own agency regardless of your education. Ultimately, your ability to produce results is much more important (and valuable) than a degree.
23. Restaurant Critic
Average salary of a Restaurant Critic: $50,004
What could be better than getting paid to eat good food? You would be visiting different restaurants on a constant basis, trying the food, and writing your review.
Most food critic jobs will require a degree in journalism or a similar field. However, if you have the desire to become a food critic but you don’t have the education, you could start your own food blog and work on building up your audience. You may get to the point of being able to do it full-time, or the blog may provide you with qualifications that help you to land a job.
24. Event Planner
Average salary of an Event Planner: $49,992
As an event planner, you would get to work with other people planning events like weddings, conferences, parties, and other types of events.
If you enjoy planning and being around people, this could be a great career choice for you.
A bachelor’s degree in hospitality can help, but is not necessarily required. You could find employment as an event planner or start your own business.
25. Makeup Artist
Average salary of a Freelance Makeup Artist: $49,330
As a makeup artist, you may work at weddings or other events, with models, for theater and film products, etc. You could work as an employee or start your own business as a freelancer.
While there aren’t formal requirements to become a makeup artist, licensing or certification can help. Becoming a licensed cosmetologist will help to demonstrate your expertise.
26. Personal Trainer
Average salary of a Personal Trainer: $48,853
If you’re into fitness and you love working with people, especially one-on-one, working as a personal trainer could be a great job for you. You’ll be responsible for developing a training program to meet the needs of the client, as well as providing instruction, encouragement, and motivation.
You’ll need a high school degree and certification by an accredited program. You may be able to find a job as a personal trainer through a local gym, or you could start your own business and find clients on your own.
27. Graphic Designer
Average salary of a Graphic Design $48,283
If you’re artistic and you have some design skills, working as a graphic designer would be a natural choice. Graphic designers can work on a wide variety of projects like logo design, brochure design, advertising design, packaging design, and more.
While your portfolio will be the most important factor in landing work, many graphic design jobs will also require a relevant degree. If you don’t have a degree and you want to start using your abilities right away, you could work as a freelance graphic designer.
There Are Plenty Of Fun Jobs That Pay Well
As you can see, there are plenty of jobs that provide excellent income potential while also allowing you to enjoy your work.
It really comes down to your own interests and skills, so find a job that would be a good option for you and take action. With these fun jobs that pay well being listed, you should have at least a few options to consider.
Whether it’s the freedom to pursue something you love, the flexibility to be the boss, or the challenge of growing something from scratch that motivates you, many of us have a strong desire to start and own a business.
Although the thought of being a business owner is appealing, there are a few significant hurdles that routinely prevent people from pursuing these dreams. Most businesses require capital to get started. That means you’ll need to have a lot of money to invest in a building, inventory, equipment, or employees. Getting the money is a challenge and borrowing the startup capital comes with the risk of failing and not being able to repay the debt.
As a result, most people simply never pursue their entrepreneurial dreams. However, it’s possible to start a business with no money and avoid taking on debt.
Write articles for blogs, websites, or printed publications
3. Invest Once You Start Making Money
As soon as you start making money, it’s ideal if you’re able to reinvest at least a portion of that money back into the business. You could use that money for:
Software and tools that make your work faster, easier, or more effective
Outsourcing work to free up more time
You don’t need to spend money just for the sake of spending money, but you should be willing to reinvest money into your business when it makes sense. Investing in your business may produce a huge return by allowing you to make much more money in the future.
Businesses That Can Be Started With No Money
Now, let’s take a look at some of the best opportunities for service-related business that could be started with just a small investment, or even no investment at all.
One of the best business opportunities out there today is to work as a virtual assistant (VA). As a VA, you could offer a wide variety of services, but the best option is to focus on the things that you already have experience with. Maybe you’ve worked in administrative roles in the past and you’re good at things like managing a calendar, setting appointments, making travel arrangements, or responding to emails.
Maybe you have experience with blogging and social media and you could moderate forums or Facebook groups, respond to blog comments and messages on social platforms, write or edit blog posts, or create social media posts for your clients.
In the current environment, many businesses are more interested in outsourcing work to freelancers as opposed to hiring full-time employees. There is strong demand for quality virtual assistants, and that demand is likely to continue to increase.
While there are a lot of companies that offer jobs for virtual assistants, these jobs typically do not offer the best income potential. If you want to maximize your income as a VA, starting your own freelance business is the better option.
If you’re interested in learning how to start your own VA business, Fully Booked VA by Gina Horkey is a great resource.
With millions of websites and blogs publishing new content on a daily basis, there is a need for writers who can create that content. While the biggest companies may use full-time staff writers, most publications rely heavily on freelancers.
One of the most attractive perks of working as a freelance writer is the fact that many of your clients will be ongoing. You may have weekly or monthly assignments for new articles from each client. That means that once you have enough clients, you won’t need to dedicate time or effort towards finding work. Instead, you’ll be able to devote all of your time to the work that actually brings in the money.
There is work available in many different industries, so you can probably use your existing skills and experience to find work. You may even be able to turn one of your hobbies into a business by landing some writing gigs that cover the topics you enjoy most.
Check out the great 30 Days Or Less To Freelance Writing Success, included in the VA Foundations Skills Course from Gina Horkey.
If you have some design skills, you could put them to good use by working for clients. You could offer a wide range of services like:
Brochure design (or other marketing materials)
Social media graphics
Label or product packaging design
And much more
If you’re a designer, you probably already have the software that you’d need. If not, there are free alternatives to popular options like Adobe Photoshop and Illustrator.
Another way to put design skills to good use is to focus on websites. Obviously, every business and organization should have a website these days, so there are plenty of potential clients out there.
Website builders like WordPress and Squarespace have definitely had an impact on the industry as it’s easier than ever for non-designers to create their own website. However, these tools have a learning curve and many business owners don’t have the time to create their own website.
Many freelancers have responded by offering services to set up and customize a WordPress-powered website for a client who doesn’t want to tackle the project on their own.
While web designers focus on the visual aspect, developers handle the coding and technical aspects. If you have coding experience, working as a freelance web developer could be a great fit.
In addition to a strong demand for the services, developers also benefit from excellent earning potential.
Social Media Marketer
Social media platforms like Facebook, Instagram, Twitter, and Pinterest can present outstanding opportunities for businesses. Unfortunately, most businesses are sitting on the sidelines and missing out on these opportunities.
That’s where you come in.
As a social media marketer, you could assist business owners by managing their social presence for them. This might involve posting regularly on select platforms, responding to questions or comments that arrive via social media, creating images and graphics to post, and even management of ad campaigns.
In particular, managing Facebook ads is an excellent business opportunity with a lot of potential. Most businesses could benefit from Facebook ads, but they don’t have the experience or expertise to do it on their own.
The Facebook Side Hustle Course teaches everything you need to know to start your own business running ads for clients. It’s a great option for a side hustle or a full-time business.
There are a lot of hobbyist photographers out there, so I know that some people reading this article would love to be able to make money with their photography.
If you have an interest in photography, you probably already have all of the gear you would need to get started with a simple photography business Really, you don’t need more than a camera, lens, and photo editing software to get started. Of course, you can invest in more gear as your business grows.
There are several different types of photography that you could offer, including:
Consultant Or Coach
Here is an extremely flexible option that could allow you to take advantage of your existing skills or expertise. Consultants and coaches can work in just about any industry. Think about your strongest skills and your past work experience. Is there a way to incorporate that into a consulting or coaching business?
One of the main benefits of working as a consultant or coach is the income potential, since rates for these services tend to be high.
If you’ve done any bookkeeping work at a previous job, you could start your own bookkeeping business. You don’t need to be a CPA or have accounting experience to work as a bookkeeper, and you can still earn a really nice hourly rate with this service.
If you have strong grammar skills and keen attention to detail, working as a freelance proofreader could be a great fit for you. As a proofreader, you can work from anywhere with an internet connection. With the amount of content being published today, there is plenty of demand for quality proofreaders.
Proofread Anywhere is the leading course for anyone who is interested in learning how to make money as a proofreader.
Flea Market Flipping
If you enjoy shopping at yard sales and flea markets to find the best deals, perhaps you should turn it into a business. It’s possible to do really well as a flipper. Rob and Melissa from Flea Market Flipper run a six-figure flipping business and they offer a free workshop that shows how you can start your own reselling business.
Getting started as a flipper could involve a small investment to purchase the initial products that you’ll be reselling. However, if you need to get started with no investment, you can find some items from around your house to sell. You’ll be able to start making money right away with no investment, and you can reinvest that money to purchase additional items.
This is one of my favorite opportunities because it’s completely overlooked by most people, anyone can do it, and the income potential is outstanding.
Brian Winch started a side hustle in the 1980s cleaning up trash in business parking lots and at shopping centers. In a very short time, he replaced the income from his full-time job. For more than 30 years, Brian has been earning a six-figure income cleaning trash.
If you’re interested in starting your own business, be sure to check out Cleanlots, where Brian teaches the exact methods he uses. He refers to it as “America’s simplest business” because it requires very few tools and is so simple to do.
A lawn care business will cost some money to start if you don’t already have the equipment. But if you do already have a mower, you could get started by simply canvassing your neighborhood and offering your service.
Aside from mowing, you could also offer trimming, leaf cleanup, power washing, and other related services.
Painting is a relatively simple service to offer. Many people prefer to hire a painter because they don’t have the time or they simply don’t want to do their own painting. You could be painting interior walls, or exterior projects like fences and shutters.
The equipment needed is minimal, an you can build the cost of things like paint, rollers, and brushes into your estimates.
If you’re good with your hands and you enjoy fixing things, working as a handyman could be the right fit for you. There’s always work available and you can get started by talking to your friends and family or simply posting an ad on Craigslist.
Dog Walking and Pet Sitting
A good opportunity for pet lovers is to work as a dog walker and/or pet sitter. There is a strong need for these services and you can make a pretty good income doing it.
To get started, you can create a free profile on Rover and make it possible for clients in your local area to find you.
Put your knowledge to good use by helping others. You could offer tutoring services in the subjects that you know best. Tutoring is something that can be done online or locally in-person.
Starting A Business With No Money Is More Possible Than Ever
Don’t let a lack of capital stop you from pursuing your dreams of starting your own business.
A service-related business is a great option to start a business with no money upfront, and here we’ve covered a number of realistic possibilities.
Consider your own interests and experience to determine what might be the best fit for yourself. Take action and you could begin making money almost immediately.
One of the things we’ve done in the past few years to cut costs was to move to a no contract mobile provider.
In the past few months, I heard about a new low-cost provider that just launched on the Verizon network called Visible.
Visible is actually funded by Verizon, and while it is lower cost than being on the regular Verizon network, it uses the same calling and data networks.
The service is the perfect service for people who use a ton of data every month because every calling plan with Visible comes with unlimited everything. That means unlimited calling, texting and data. It does all that while having a plan that costs only $40/month!
So let’s take a look Visible and what they have to offer.
Visible, which opened its headquarters in Denver earlier this year, hopes to attract customers nationwide who want to pay less for unlimited data plans. At $40 a month, Visible’s only plan, the service is counting on a low price and stealth, invite-only launch to appeal to customers. The company enters a competitive market that has been upended by formerly last-place T-Mobile, which pushed for no contracts and cheaper, simpler plans. T-Mobile just announced plans to buy Sprint, to become the nation’s second largest carrier. It’s also getting an unlimited plan down to $40 a month — something most of other mobile services offer but only if several people join a family plan. T-Mobile’s plan, for example, is $70 a month, though with four lines, it’s $40 per line. But Visible isn’t going at it alone. It uses Verizon’s 4G LTE network to offer up to 5 mbps speeds, and it received funding from Verizon. CEO Miguel Quiroga also worked for Verizon since 2000, most recently as its vice president and head of digital.
Visible is focused on being a low cost option for people who want an unlimited data plan. At $40 a month, it does just that.
So what’s the catch? The only real catch is that their 4G data speeds are limited to 5-12Mbps, and on 5G, speeds are capped at 200Mbps. That might be a deal-breaker for some. For most people like me, however, I don’t need speeds any faster than that while I’m on the go, and I’m on WiFi most of the time anyway.
Signing Up For Service With A Phone From Visible
The folks over at Visible were kind enough to send out an Apple iPhone 8 for me to test the service.
The phone arrived in a plain brown box that contained the phone, the charging cable, charging plug, a SIM card removal tool and SIM card.
Here are a few photos as I unboxed the device.
Getting the phone up and running is a pretty simple process. You just put in your new SIM card and turn on the phone. Once the phone boots up just update your carrier settings, download the Visible app, and then follow the onscreen instructions.
The app is where you’ll do all of your account management from making payments, to adjusting your account settings.
Visible Cell Service
Since Visible is on Verizon, one of the big networks, it’s coverage and call quality is going to be top notch.
I’ve used them for a short time here in my area in the Minneapolis area, and the coverage and call quality have been superb.
Texting and data services work great as well. I’ve been able to text with my wife and family, watch video while on the go (without worries of going over my data allowance) and listen to podcasts and streaming radio.
In the past I may not have done that much video or streaming while out and about, but with Visible you have unlimited 4G data (and for some, 5G data as well now), so there’s never a worry about going over!
Visible also has free phone tethering available on their phones. Just enable it on your phone, and you can connect your other devices to your phone. That comes in handy if you’ve got tablets, laptops or other devices you want to connect.
Visible Customer Service
Visible is an app based service, and as such pretty much everything you do is going to be happening in the app on your phone.
If you want to contact customer service, you will have to contact the customer care team via in-app chat or text (text @99370). They also have some limited support via Facebook Messenger (@VisibleMobile) and Twitter (@VisibleCare).
Visible Chat Hours: Monday – Friday: 7 a.m. – 12 a.m. EST Saturday-Sunday: 10 a.m. – 10 p.m. EST
If you really want to talk to someone on the phone, their FAQ says to contact them via the chat and ask to speak to someone on the phone.
Phones Available With Visible
When Visible launched they were strictly a “bring your own phone” mobile provider. Since then they have opened their own shop and you can purchase devices through their store.
At first they only had service on Apple devices. In the last month or two they’ve opened their service to Android users, and you can now use a few select Android devices as well.
Some of the phones available for purchase on the Visible Shop when I checked include:
Visible Blade X1 5G (Visible’s own Android-based phone made by ZTE)
Samsung Galaxy S21 5G
Samsung Galaxy S21+ 5G
Samsung Galaxy S20 FE 5G
Samsung Galaxy S20 Ultra 5G
Samsung Galaxy S10e
Apple iPhone 12 Pro
Apple iPhone 12 Pro Max
Apple iPhone 12
Apple iPhone 11
Apple iPhone 11 Pro
Apple iPhone 11 Pro Max
Google Pixel 5
Motorola Moto G Power
So if you’re an Apple devotee, they’ve got you covered. If you’re a big fan of Android devices you have quite a few amazing options. There will be more down the road.
Bringing Your Own Phone To Visible
In addition to buying their phones, you can bring your own phone to the service as well.
So how do you know which phones will work? According to Visible you just check your device’s IMEI number on their site or in their app.
A good way to know is to find your IMEI number and then reference it with our app or site. If you don’t want to do that – no sweat, iPhone 6, iPhone 6s, iPhone SE, iPhone 7, iPhone 8, iPhone X, iPhone XS, iPhone XS Max, or iPhone XR will work too, with the exception of one iPhone SE and two iPhone 7 models. Android users take note: right now Visible works with Samsung Galaxy S9 and S9+ SE models as well as the Visible R2™ available in our shop. We’ll be bringing our service to more phones, so stay tuned to our social media for updates.
So basically just about any recent iPhone will work with Visible, except a couple of models mentioned above.
In addition, there are only 3 Android phones that will work with the service currently, although they do plan on adding more once the beta on Android is complete. They now also have a wide variety of Android phones that will work with the service.
Once you confirm that your phone will work, you just sign up for an account, and have a SIM card sent to your address. Pop the SIM card in and you’re set to go!
Visible Mobile Calling Plan
The average cell phone user pays somewhere in the range of $80-$100 per month for an individual line of service, depending on which study you look at.
Thankfully with services like Visible your costs can be much, much lower.
Visible doesn’t have a wide range of plans like some other services, they have only one plan, period. That plan, however, will give you everything you need, baked in.
You get unlimited calling, unlimited texting, and unlimited 4G LTE (and 5G if you have a compatible device) data. Yup, unlimited everything.
In checking around to other providers, many other MVNOs don’t even have an option for unlimited data. Most MVNO plans will top out at 10 or 12GB of mobile data. Granted, that’s quite a bit, but many don’t even have an option for unlimited data.
You can pay your monthly bill by PayPal, Venmo or any credit or debit card.
Visible Party Pay
While $40/month for unlimited everything is already a pretty good deal, you can pay even less if you’ve got a friend or family member that you can invite to the service.
Just invite someone to your “Party” after you’ve signed up and once they’re activated on the service you’ll both receive a discount on your bill. It works out to:
Party of 1: $40/month per person
Parties of 2: $35/month per person
Parties of 3: $30/month per person
Parties of 4: $25/month per person
So if you have 4 members of your family signed up for service you can pay as little as $25/month for service. You still all get your own bill, and everyone has their own account, no need to manage it like a traditional family plan.
Download Speeds Up To 5Mbps (UPDATE: No Data Speed Caps For Limited Time)
Visible will give you unlimited mobile data, however, it is with the understanding that it tops out at 5Mbps download speeds. NOTE: As of June 26th, 2019, for a limited time Visible has elected to lift that data speed cap for all new and existing members. For all existing and new members who sign up they’ll have no data caps for life. Visible may be going back to data speed caps soon, but for now, there are no longer caps.
Even with the caps, for most people 5Mbps should be more than enough to watch video, stream audio or surf your social media. Here is how much data you need for common mobile tasks:
Streaming Video: 1-3 Mbps
Video Chatting: 1-2 Mbps
Scrolling through your social feeds: 1 Mbps
Streaming Audio: 0.5 Mbps
As you can see, having 5Mbps should be more than enough to get you by, but thankfully now it isn’t a worry anyway, as long as you sign up while the data caps are gone.
Honestly, for years my home internet didn’t even have download speeds that fast!
Visible Is One Of The Most Affordable Unlimited Data Plans
Visible is one of the newest mobile networks on the block, and if you’re a heavy user of data, they may be just what you were looking for.
With their one size fits all unlimited everything plan for $40, you can watch video, stream your favorite music and chat on social media to your heart’s content. You never have to worry about running out of data!
Unlimited data just isn’t something that’s offered at a lot of MVNOs, but it’s included with Visible.
While this might not be the plan for you if you don’t use much data, if you’re constantly online and need to be connected at all times, this might be a good plan to check out.
Get Unlimited Everything With Visible
Moble Virtual Network Operator (MVNO)
Minimum Plan Price
$5 (Unlimited Text – No Talk, No Data) $10 (300 Min Talk & Unlimited Text – 1GB Data) Discounts if prepaid for 3 months.
$5 (100 Min Talk & Unlimited Text – No Data)
Sprint, Verizon Wireless
$9 (300 Min Talk & Unlimited Text – No Data)
$9 (100 Min Talk & No Text – No Data)
Red Pocket Mobile
Verizon Wireless, AT&T, T-Mobile US, Sprint
$10 (500 Min Talk & 500 Text – 500 MB Data)
$15 (Unlimited Talk & Text – No Data)
$15 (Unlimited Talk & Text – 3GB Data) If prepaid for 1 year. Prepay in 3,6, 12 month increments. Buy 3 Months, Get 3 Free)
$15 (Unlimited Talk & Text – 3GB Data). Prepay in 3,6, 12 month increments.
Verizon Wireless, AT&T, T-Mobile US, Sprint, U.S. Cellular
$15 (200 Min Talk & 500 Text – 500 MB Data) If put on auto-renew save 5%.
T-Mobile, Sprint, U.S. Cellular
$20 (Unlimited Talk & Text – No Data)
$23.70 (Unlimited Talk & Text – No Data) $25 without auto-pay.
As a youngster, we would repetitively sing joyful songs in Sunday school. Many of these songs have remained with me for several decades.
I might have forgotten what Sister So-and-So taught us about Daniel, but I haven’t forgotten the songs.
One such song that we sang went something like this: “I got the joy, joy, joy, joy down in my heart! Where? Down in my heart!”
Another song included these lyrics: “Joy unspeakable and full of glory, full of glory, full of glory…”
We often talked about and sang about joy and happiness in church. As I grew older, however, I discovered that life was not always full of happiness.
Happiness, in many situations, is a state of mind.
Joy, conversely, was a state of my heart.
It was important for me to discover what God said about joy and happiness. He said a ton about both!
Let’s uncover as many Biblical truths about joy and happiness together as possible.
shout for joy and be glad, who favor my righteous cause; and let them say continually, “Let the Lord be magnified, Who has pleasure in the prosperity of His servant.
Hebrews 12:2 Looking to Jesus, the founder and perfecter of our faith, who for the joy that was set before him endured the cross, despising the shame, and is seated at the right hand of the throne of God.
Luke 15:10 In the same way, I tell you, there is joy in the presence of the angels of God over one sinner who repents.
Bible Verses About Being Still
At times, life can seem overwhelming. Here are a few verses to remind us that God is in control. He knows our tomorrow better than we know our yesterday. He will never leave us nor forsake us (Deuteronomy 31:6).
Psalm 46:10 Be still and know that I am God. I will be exalted among the nations, I will be exalted in the earth!
Isaiah 25:9 And it will be said on that day, “Behold, this is our God for whom we have waited that He might save us. This is the Lord for whom we have waited; let’s rejoice and be glad in His salvation.”
2 Chronicles 20:17 You will not need to fight in this battle. Position yourselves, stand still, and see the salvation of the Lord, who is with you, O Judah and Jerusalem!’ Do not fear or be dismayed; tomorrow go out against them, for the Lord is with you.
Isaiah 40:31 Yet those who wait for the Lord will gain new strength; they will mount up with wings like eagles, they will run and not get tired, they will walk and not become weary.
What Does the Bible Say About Contentment
James informs us that we can be joyful even when our situations are trying. Why? Well, when we put our trust fully in God, we can be confident that His plans for us are good. There will be times when we must overcome challenges but in them, we can be content that Father knows best.
Job 36:11 If they obey and serve him, they will spend the rest of their days in prosperity and their years in contentment.
Proverbs 19:23 The fear of the Lord leads to life; then one rests content, untouched by trouble.
Philippians 4:11-13 I am not saying this because I am in need, for I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do all this through him who gives me strength.
Bible Verses About Laughing and Laughter
Laughter is contagious. When I hear a toddler laughing I can’t help but laugh as well.
My wife had a ritual in college that she called her “ugly afghan laugh”. She would wrap herself in an old homemade afghan, lie on the floor, and fake laugh until she would begin to genuinely laugh. When the pressures of life began to overwhelm her she would practice this ritual.
Perhaps we need a genuine belly laugh to readjust our funny bone!
Psalm 2:4 He who sits in the heavens laughs, the Lord scoffs at them.
Job 8:21 He will yet fill your mouth with laughter, and your lips with shouting.
Proverbs 17:22 A cheerful heart is good medicine, but a crushed spirit dries up the bones.
Psalm 126:2 Then our mouth was filled with laughter, And our tongue with singing. Then they said among the nations, “The Lord has done great things for them.”
I Samuel 2:1 And Hannah prayed and said: “My heart rejoices in the Lord; My horn is exalted in the Lord. I smile at my enemies because I rejoice in Your salvation.
Psalm 94:19 When the cares of my heart are many, your consolations cheer my soul.
What Does the Bible Say About Being Joyful
Joy is independent of circumstances and situations. Even when our world appears to crumble around us we can choose to be joyful.
The apostle Paul spoke of rejoicing. That speaks of repeating or reiterating an action. It’s almost as if he thought being joyous was insufficient — we had to do it again!
This is the same person who was in and out of jail because he wouldn’t stop sharing the Good News. When others laid low he would charge full speed ahead into danger.
Here’s a brief synopsis of some of his hijinks:
2 Corinthians 11:24-26 Five times I received from the Jews the forty lashes minus one. Three times I was beaten with rods, once I was pelted with stones, three times I was shipwrecked, I spent a night and a day in the open sea, I have been constantly on the move. I have been in danger from rivers, in danger from bandits, in danger from my fellow Jews, in danger from Gentiles; in danger in the city, in danger in the country, in danger at sea; and in danger from false believers.
This is the same person who encouraged us to rejoice always…
Psalm 95:1 Oh come, let us sing to the Lord! Let us shout joyfully to the Rock of our salvation.
Isaiah 49:13 Sing, O heavens! Be joyful, O earth! And break out in singing, O mountains! For the Lord has comforted His people, And will have mercy on His afflicted.
John 15:11 These things I have spoken to you, that my joy may be in you, and that your joy may be full.
Psalm 51:12 Restore to me the joy of Your salvation and uphold me byYour generous Spirit.
Zephaniah 3:17 The Lord your God is in your midst, a victorious warrior. He will rejoice over you with joy, He will be quiet in His love, He will rejoice over you with shouts of joy.
Psalm 95:2 Let us come before His presence with thanksgiving; Let us shout joyfully to Him with psalms.
Philippians 4:4 Rejoice in the Lord always; again I will say, rejoice.
Psalm 126:5 Those who sow in tears shall reap in joy.
Bible Verses About Gladness
Luke 1:19 And the angel answered and said to him, “I am Gabriel, who stands in the presence of God, and was sent to speak to you and bring you these glad tidings.”
I Chronicles 16:27 Honor and majesty are before Him; strength and gladness are in His place.
Psalm 30:11 You have changed my sadness into a joyful dance; you have taken away my sorrow and surrounded me with joy.
Hebrews 1:9 You have loved righteousness and hated lawlessness; Therefore God, Your God, has anointed You With the oil of gladness more than Your companions.
Psalm 118:24 This is the day the Lord has made; we will rejoice and be glad in it.
Proverbs 24:17 Do not rejoice when your enemy falls and do not let your heart be glad when he stumbles.
Habakkuk 3:17-18 Even though the fig trees have no fruit and no grapes grow on the vines, even though the olive crop fails and the fields produce no grain, even though the sheep all die and the cattle stalls are empty, I will still be joyful and glad because the Lord God is my savior.
Revelation 19:6-7 Then I heard what sounded like a great multitude, like the roar of rushing waters and like loud peals of thunder, shouting: “Hallelujah! For our Lord, God Almighty reigns. Let us rejoice and be glad and give him glory! For the wedding of the Lamb has come, and His bride has made herself ready.
Find Happiness And Joy In Him
We all will have good days and bad days. Sometimes we will laugh uncontrollably and other times we will be more reserved. Please know that laughter and joy are part of God’s grand design for us all.
Rejoice in the Lord always and again I say, REJOICE!
More Bible Verses To Give You Joy
Want to find more verses to help give you happiness and joy for a future in Christ? Read the articles below, with plenty more verses and commentary.
Don’t have a Bible of your own? Read our article on how to get a free Bible.