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&nbsp;🔒 Affiliate Disclaimer: This post contains affiliate links. I may earn a commission if you sign up through my link, at no extra cost to you. I only recommend tools I use and love, like <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Rakuten.</a> <figure id="figure-i894qik3e8mcxhtbs8" class=""><img id="i894qik3e8mcxhtbs8" src="https://media.gettyimages.com/id/1353601965/photo/modern-urban-architecture.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=FJ5xWhpkEaCtqyRk3djbhufiloxO9rUE80o6rLBhUKg=" alt="Modern urban architecture" title="Modern urban architecture" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1353601965/photo/modern-urban-architecture.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=FJ5xWhpkEaCtqyRk3djbhufiloxO9rUE80o6rLBhUKg=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>If you’re anything like me, you love finding clever ways to save money, especially on things you’re already buying. That’s exactly how I stumbled across <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Rakuten</a>, a completely free cashback platform that pays you real money every time you shop online at popular retailers.In this post, I’ll walk you through:Exactly how <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Rakuten</a> works My personal cashback earnings (yes, real dollars!) How to sign up and get a free $30 bonus U.S. stores that are part of the program My best tips for maximizing savings And why you’d be leaving money on the table if you don’t sign up today Let’s jump in!&nbsp;<figure id="figure-y1mn3v5t9mmcxi5xw6"><img id="y1mn3v5t9mmcxi5xw6" src="https://media.gettyimages.com/id/621588574/photo/bokeh-shanghai-at-night-china.jpg?b=1&s=2048x2048&w=0&k=20&c=pIWwlusoVZgeskABInQdSnhs4yT7ptkh9uiuSl0AHG4=" alt="bokeh Shanghai at night,china" title="bokeh Shanghai at night,china" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure> What is Rakuten? Rakuten (formerly known as Ebates) is a free platform that gives you cash back when you shop at your favorite online stores. It partners with over 3,500+ top U.S. brands like Walmart, Target, Macy’s, Best Buy, Sephora, and many more.When you shop through <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Rakuten’s</a> website or browser extension, they get a commission from the retailer, and they share a portion of that commission with you.💡 In simple terms: You shop. They get paid. You get cash back.No points. No coupons (though they offer those too). Just straight-up cash.&nbsp; How I Got Started (And Scored My First $30 Bonus) I first heard about Rakuten from a friend who swore she got paid just for buying makeup at Sephora. I was skeptical. But when I saw there was a $30 sign-up bonus for new users (after spending $30), I figured, “Why not?”Here’s exactly how I got started:I signed up through a referral link (you can use this one to get your own bonus). I shopped at Target through Rakuten, buying basic household stuff—laundry detergent, paper towels, and some snacks. Total? Just over $32. Within a week, I saw the cash back appear in my Rakuten account, along with the $30 bonus! Result: ✅ I got 2% cashback from Target = $0.64 ✅ I received a $30 welcome bonus ✅ That’s $30.64 for shopping I would have done anywaySince then, I’ve earned hundreds of dollars in cashback from Rakuten. It’s like getting a discount on every purchase, without clipping a single coupon.&nbsp; Top U.S. Retailers You Can Shop with on Rakuten Here are just a few of the big-name U.S. stores where Rakuten works:Store &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Average Cash BackWalmat&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 1–5% Macy’s&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 3–10%Sephora&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;2–5% Best Buy&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 1–2% Kohl’s&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Up to 6%&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; Ulta &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;3% Nike&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 5% Adidas&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 10% Old Navy&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;2-4% Hotels.com&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;5-10% Expedia&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Up to 8% Chewy&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;2% PetSmart&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;2% Sam’s Club&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;2-3% TIP: Cashback rates change often, especially during holidays or sales events. I’ve seen Macy’s go from 4% to 12% during Black Friday!&nbsp; Real-Life Examples of My Rakuten Earnings 🛍️ Example 1: Holiday Shopping Store: Macy’s Items: Pajamas, towels, cookware Spend: $120 Cashback Rate: 10% Earned: $12.00🐶 Example 2: Pet Essentials on Chewy Spend: $64 on pet food and treats Cashback: 2% Earned: $1.28🧳 Example 3: Booking Hotels on Expedia Spend: $480 for a 3-night stay in Miami Cashback Rate: 8% Earned: $38.40 💰 Total Earnings in One Month: $61.68&nbsp; How to Use Rakuten (Step-by-Step) Option 1: Use the Rakuten Website Go to <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">rakuten.com</a> Log in to your account Search for the store (e.g., Nike, Walmart) Click “Shop Now” Rakuten redirects you to the store, where you shop like normal Done! Cashback tracks automatically.Option 2: Install the Rakuten Chrome Extension (Highly Recommended) With this tool, Rakuten automatically alerts you when a store offers cashback.Go to the Chrome Web Store → Search for "Rakuten" Add the extension to Chrome It pops up when you're browsing eligible sites Just click “Activate Cashback” and you’re good to go! This is the method I use 90% of the time, it’s seamless, and I never miss a deal.&nbsp; How and When Do You Get Paid? Rakuten pays out once every quarter via:PayPal Or a physical check (if you prefer "Big Fat Checks") You just need to hit the $5.01 threshold in earnings. But with the $30 bonus alone, you’ll get your first payout fast.🗓️ Payout schedule:Shopping Dates &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Payment Sent Jan 1 – Mar 31 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; May 15 Apr 1 – Jun 30 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Aug 15 Jul 1 – Sep 30 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Nov 15 Oct 1 – Dec 31&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Feb 15 &nbsp; Why Rakuten is a Game Changer for Smart Shoppers If you’re the kind of person who wants to stretch every dollar, Rakuten is your secret weapon. It’s not just a money-saving tool—it’s a mindset shift. It turns ordinary spending into opportunities for cash rewards. For families, students, remote workers, or anyone on a budget, Rakuten is a low-effort, high-impact solution.Think of it this way: What if your weekly grocery or back-to-school shopping could earn you gas money, a free coffee, or even a weekend getaway? That’s🧠 Pro Tips to Maximize Your Rakuten Earnings Stack Cashback with Coupons: Use Rakuten’s built-in coupon tool to combine cashback with promo codes. Refer Your Friends: Each successful referral earns you $30, and they get $30 too. Shop During High-Reward Periods: Big sales like Black Friday, Cyber Monday, and back-to-school season offer increased cashback rates. Use Rakuten In-Store Offers: Link your credit card in the app to earn cashback while shopping in physical stores. Sign Up for Email Alerts: Get notified when your favorite stores have high cashback. &nbsp; 📱 Using the Rakuten Mobile App Don’t limit yourself to desktop shopping. Download the Rakuten App on iOS or Android and:Get cashback on mobile purchases Access in-store offers Activate cashback on rideshare, food delivery, and more Stores like DoorDash, Uber Eats, and Instacart are often available with mobile-exclusive cashback deals.&nbsp; 📊 Rakuten vs. Other Cashback Apps Feature&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Rakuten&nbsp; &nbsp; &nbsp; &nbsp;Honey&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Ibotta&nbsp; &nbsp; &nbsp; &nbsp; Dosh&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Cashback&nbsp; &nbsp; &nbsp; &nbsp;✅ Yes &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;❌ No &nbsp; &nbsp; &nbsp; &nbsp;✅ Yes &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; ✅ Yes Coupons&nbsp; &nbsp; &nbsp; &nbsp; ✅ Yes &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;✅ Yes &nbsp; &nbsp; &nbsp; &nbsp;❌ No&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; ❌ No In-Store Use &nbsp; &nbsp;✅ Yes &nbsp; &nbsp; &nbsp; &nbsp;❌ No &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; ✅ Yes &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;✅ Yes Referral Bonus &nbsp;✅ $30 &nbsp; &nbsp; &nbsp;✅ Points &nbsp; &nbsp; ✅ Points &nbsp; &nbsp; &nbsp;✅ Points Rakuten stands out for its high-value referral program and the simplicity of cash payouts.&nbsp; 📅 Best Times to Use Rakuten for Maximum Savings Here’s a seasonal cheat sheet:January: Fitness, health, winter clearance April: Travel, spring apparel July: Summer sales, Prime Day September: Back-to-school, tech November: Black Friday &amp; Cyber Monday (HUGE cashback boosts!) December: Holiday gifts, last-minute deals &nbsp; 💬 Real User Testimonials "I earned over $250 using Rakuten last year, mostly from booking travel and shopping at Macy’s. It's a no-brainer." – Amanda R.&nbsp;"I got my $30 bonus after buying dog food! Easiest money ever." – James T."I use the browser extension so I never miss a deal. It just works." – Christine L. &nbsp; ❓FAQs About Rakuten Is Rakuten legit? Yes, it’s a well-established, publicly traded company that has paid over $2 billion to users.Does it cost anything? No, Rakuten is 100% free to use.Can I use Rakuten with other coupon codes? Yes! You can stack Rakuten cashback with promo codes and credit card rewards.What if I forget to activate cashback? You must click through Rakuten or use the extension. It won’t track automatically otherwise.Can I use <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Rakuten</a> in-store? Yes! Link your credit/debit card in the mobile app to earn cashback in physical stores.&nbsp; 🛍 Rakuten by Shopping Category Groceries: Instacart, Sam’s Club, Vitacost Fashion: Macy’s, Nordstrom, Shein, ASOS Electronics: Best Buy, Dell, HP, Lenovo Travel: Expedia, Hotels.com, Priceline Beauty: Ulta, Sephora, Glossier Home: Bed Bath &amp; Beyond, Wayfair, Overstock&nbsp; ✅ Final Thoughts + $30 Bonus Link <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Rakuten</a> has helped me turn ordinary shopping into easy extra money. Whether you're shopping for groceries, gifts, travel, or even takeout, cashback adds up quickly, and painlessly.If you haven’t joined yet, don’t miss out on your free $30 bonus when you sign up and spend $30. It’s a win-win.👉 <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Click here to join Rakuten now</a> and start earning!

How I Earned Cash Back on Everyday Purchases with Rakuten (And You Can Too!)Post

This post may contain affiliate links, which means I may earn a small commission—at no extra cost to you—if you make a purchase or sign up through one of my links. I only recommend tools and platforms I trust and believe can help you make money from home.Want to make money fast without a degree? You’re not alone. Whether you're looking to build a flexible income stream or just need extra cash to cover the bills, side hustles that pay weekly can be game-changers.The best part? Many of these gigs don’t require a college degree, only your hustle, some time, and internet access.In this guide, we’ll explore 10 legitimate side hustles that pay weekly in the USA. You’ll learn how they work, how much you can earn, and how to get started—no fluff, just facts and actionable advice. <figure id="figure-uc2qa90tfimcx6cdrh"><img id="uc2qa90tfimcx6cdrh" src="https://media.gettyimages.com/id/2180134181/photo/close-up-asian-woman-holding-smartphone-use-credit-card-checking-for-make-online-utility-bill.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=VzNJ6jFSy9P-UBDqUxLR8RZfegtLaLTac62TRc3uSgk=" alt="Close up Asian woman holding smartphone use credit card checking for make online utility bill payment ,contactless Internet banking technology and money transfer" title="Close up Asian woman holding smartphone use credit card checking for make online utility bill payment ,contactless Internet banking technology and money transfer" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2180134181/photo/close-up-asian-woman-holding-smartphone-use-credit-card-checking-for-make-online-utility-bill.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=VzNJ6jFSy9P-UBDqUxLR8RZfegtLaLTac62TRc3uSgk=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure> Why Weekly-Paying Side Hustles Matter Weekly payouts offer:Faster cash flow: Perfect for paying bills, rent, or saving up quickly. Better budgeting: Helps you manage your finances in real-time. Motivation boost: Seeing money hit your account weekly can keep you consistent. Now, let’s break down the best side hustles that pay weekly.&nbsp; 1. Freelance Writing Avg Pay: $100–$1,000+/week Best For: Good writers, bloggers, content creatorsWhat It Is: Freelance writing is one of the most accessible and profitable side hustles online. Businesses, blogs, and websites need writers to create content such as blog posts, email newsletters, product descriptions, and social media content.Why It Pays Weekly: Many freelance marketplaces like Upwork, Fiverr, and PeoplePerHour pay out on a weekly or even bi-weekly basis once work is approved.How to Start: Sign up on platforms like Upwork, ProBlogger, or Freelancer.com Build a basic portfolio with 2–3 writing samples Apply to beginner gigs with clear requirements Once consistent, pitch clients directly or niche down Bonus Tip: Focus on writing in high-demand niches like personal finance, tech, or health for higher pay.<figure id="figure-wukd7wulxdmcx6g8t0"><img id="wukd7wulxdmcx6g8t0" src="https://media.gettyimages.com/id/1328960923/photo/financial-application-on-smartphone.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=c8vmjXPngm3hLuZKLNrnLzMrQIQz1RM2Gqo9NpB5peE=" alt="Financial application on smartphone." title="Financial application on smartphone." class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1328960923/photo/financial-application-on-smartphone.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=c8vmjXPngm3hLuZKLNrnLzMrQIQz1RM2Gqo9NpB5peE=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>&nbsp; 2. Cashback and Reward Apps Avg Pay: $25–$200+/week Best For: Everyday shoppersWhat It Is: These apps reward you for shopping online, scanning receipts, or completing simple tasks. It’s passive income at its finest.Popular Apps That Pay Weekly: Ibotta – Get cashback from grocery stores <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Rakuten</a> – Cashback from over 2,500 storesInboxDollars – Paid surveys and videosUpside – Save on gas and dining How to Start:Download the app(s) of your choice Shop normally and upload your receipt or use their browser extension Watch your cashback grow and withdraw weekly (PayPal or gift cards) Real Talk: I personally used Ibotta and earned over $200 just by scanning receipts. It adds up fast!&nbsp; 3. DoorDash or Uber Eats Delivery Avg Pay: $100–$700+/week Best For: People with a car, bike, or scooterWhat It Is: Deliver food to customers in your area on your own schedule. You choose when you work, and you keep 100% of your tips.Why It Pays Weekly: Both DoorDash and Uber Eats offer direct deposits weekly—and some even allow instant cash-out (for a small fee).How to Start: Sign up on the app Pass a background check and vehicle requirements Start delivering right away and get paid fast Pro Tip: Deliver during peak hours (lunch, dinner, weekends) to maximize earnings.<figure id="figure-53w1sef7urmcx6ia7m"><img id="53w1sef7urmcx6ia7m" src="https://media.gettyimages.com/id/2170458817/photo/stack-of-money-labeled-side-hustle-additional-income-and-entrepreneurial-ventures.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=6TGWFh0YnIC-DbcXVfyv9QNJPCMmjlwriS9M8GhEqds=" alt="Stack of money labeled side hustle. Additional income and entrepreneurial ventures." title="Stack of money labeled side hustle. Additional income and entrepreneurial ventures." class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2170458817/photo/stack-of-money-labeled-side-hustle-additional-income-and-entrepreneurial-ventures.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=6TGWFh0YnIC-DbcXVfyv9QNJPCMmjlwriS9M8GhEqds=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>&nbsp; 4. Virtual Assistant (VA) Avg Pay: $15–$40/hr Best For: Organized multitaskersWhat It Is: Virtual Assistants help businesses with admin tasks like email management, scheduling, data entry, social media, and more. You can work with entrepreneurs, influencers, or small companies.Why It Pays Weekly: Many clients pay their VAs weekly or bi-weekly via PayPal, Zelle, or direct bank transfer.How to Start: Join platforms like Belay, Zirtual, or Upwork Learn tools like Google Workspace, Canva, and Trello Pitch yourself as a reliable, flexible assistant No Degree Needed: Just a laptop, WiFi, and solid communication skills.<figure id="figure-06884vj766mcx6jd6v"><img id="06884vj766mcx6jd6v" src="https://media.gettyimages.com/id/1499108644/photo/cash-dollar-money-in-a-blue-notebook-with-text-written-on-cover-side-hustle-on-grey.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=j9TnJZfKIz3gTr5y23fL1dbB9_4ieAuaIIu38CZ_344=" alt="Cash dollar money in a blue notebook with text written on cover SIDE HUSTLE, on grey background, concept of making more money from side job with writing or freelance job" title="Cash dollar money in a blue notebook with text written on cover SIDE HUSTLE, on grey background, concept of making more money from side job with writing or freelance job" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1499108644/photo/cash-dollar-money-in-a-blue-notebook-with-text-written-on-cover-side-hustle-on-grey.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=j9TnJZfKIz3gTr5y23fL1dbB9_4ieAuaIIu38CZ_344=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>&nbsp; 5. Tutoring (Online) Avg Pay: $15–$50/hr Best For: People good at academics or test prepWhat It Is: Online tutors help students with subjects like math, English, coding, SAT/ACT prep, or even languages.Where to Get Paid Weekly: Chegg Tutors Wyzant Preply Cambly (great for casual English conversation) How to Start: Sign up and create a tutor profile Choose your subjects Set your rate and availability Hot Tip: Even teaching conversational English to foreigners can bring in weekly pay.&nbsp; 6. Print-on-Demand (POD) Products Avg Pay: $100–$500+/week (scales with volume) Best For: Creative entrepreneurs, designersWhat It Is: Design custom t-shirts, mugs, tote bags, and sell them online without holding inventory.Platforms to Use: Printful Teespring Redbubble Etsy (with Printify) Why It Pays Weekly: Many POD services integrate with PayPal or direct deposit and issue payouts weekly.How to Start: Create free accounts on POD platforms Use Canva or free tools to design shirts, stickers, or digital art Promote your products on Pinterest, TikTok, or Etsy Pro Tip: Niche down! “Funny dog mom shirts” sell better than generic designs.&nbsp; 7. Pet Sitting or Dog Walking Avg Pay: $15–$50 per job Best For: Animal loversWhat It Is: Take care of pets while owners are away. This includes dog walking, overnight stays, or check-ins.Where to Get Gigs: Rover Wag! Local Facebook Groups or Craigslist Why It Pays Weekly: Platforms like Rover pay weekly (via Stripe or PayPal) after the service is complete.How to Start: Create a profile with clear experience and services Offer a free first walk or referral discount to get reviews Be responsive and communicate clearly Tip: Add “last-minute bookings welcome” to stand out.&nbsp; 8. Online Surveys &amp; Microtasks Avg Pay: $25–$150/week Best For: Anyone with a phone or laptopWhat It Is: Get paid for doing quick online tasks like answering surveys, reviewing websites, watching videos, or testing apps.Best Platforms That Pay Weekly: Swagbucks UserTesting Pinecone Research Amazon Mechanical Turk<figure id="figure-wi14pwjpgamcx6m5py"><img id="wi14pwjpgamcx6m5py" src="https://media.gettyimages.com/id/1798840844/photo/dollars-bill-and-stick-note-with-text-written-side-hustle-on-mable-table.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=VA4YFd-ESYN24-habOBlhS1Wz1nB5quKhOrMx_Ryq74=" alt="Dollars bill and stick note with text written SIDE HUSTLE on mable table." title="Dollars bill and stick note with text written SIDE HUSTLE on mable table." class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1798840844/photo/dollars-bill-and-stick-note-with-text-written-side-hustle-on-mable-table.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=VA4YFd-ESYN24-habOBlhS1Wz1nB5quKhOrMx_Ryq74=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure> How to Start: Sign up and verify your profile Complete tasks daily Cash out weekly via PayPal or gift cards Reality Check: This won’t replace your job, but it's solid for gas money or savings goals.&nbsp; 9. House Cleaning or Handyman Services Avg Pay: $20–$60/hr Best For: Hands-on workersWhat It Is: If you're handy or don't mind getting your hands dirty, house cleaning, organizing, or small home repairs can bring in serious money.Where to Get Jobs: TaskRabbit Thumbtack Nextdoor Local classifieds Why It Pays Weekly: Most clients pay per job, often in cash or instant digital payment like Venmo or Cash App.How to Start: Create a clear service list (what you will/won’t do) Offer discounts for new clients or referrals Always overdeliver on your first 3 jobs to earn reviews No tools? Many clients already have supplies!&nbsp; 10. Flipping Items Online Avg Pay: $100–$1,000/week Best For: Treasure huntersWhat It Is: Buy low, sell high. It’s that simple. You can flip thrifted clothes, electronics, furniture, books, or collectibles on online marketplaces.Where to Flip: Facebook Marketplace eBay Poshmark OfferUp Craigslist<figure id="figure-ids53xdyutmcx6ksp6"><img id="ids53xdyutmcx6ksp6" src="https://media.gettyimages.com/id/2192574943/photo/hand-using-digital-tablet-with-personal-financial-account-on-screen-people-technology-and.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=w31kNi7cs2DPCXBAOo-xxHSGMD2qwqU_-sN5-4k7P1Q=" alt="Hand using digital tablet with personal financial account on screen, people technology and lifestyle, telefinance" title="Hand using digital tablet with personal financial account on screen, people technology and lifestyle, telefinance" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2192574943/photo/hand-using-digital-tablet-with-personal-financial-account-on-screen-people-technology-and.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=w31kNi7cs2DPCXBAOo-xxHSGMD2qwqU_-sN5-4k7P1Q=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure> Why It Pays Weekly: You control how fast you sell and when you get paid—many platforms pay immediately after the sale.How to Start: Go to garage sales, thrift stores, or clearance racks Scan barcodes to check resale value using the eBay app Take clean, clear photos and write honest descriptions Niche Idea: Flipping used video games or limited edition sneakers can turn weekly profits fast.&nbsp; Bonus: Use Multiple Hustles Want to supercharge your weekly income? Stack 2 or 3 of these together.Example Weekly Stack:Morning: Deliver DoorDash from 8am–11am Afternoon: Freelance writing for 2 hours Evening: Scan receipts, do surveys, and prep your online store With this strategy, you can easily make $500–$1,000+/week depending on your time and effort. <figure id="figure-88spn19qfhmcx6k3w9"><img id="88spn19qfhmcx6k3w9" src="https://media.gettyimages.com/id/1073860408/photo/side-hustle-of-the-notes-in-the-notebook.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=geLxo6qZgQNg9AvMOhIR5U_qslHfrew7jDmjfxOihvI=" alt="Side Hustle of the notes in the notebook" title="Side Hustle of the notes in the notebook" class="object-cover bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1073860408/photo/side-hustle-of-the-notes-in-the-notebook.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=geLxo6qZgQNg9AvMOhIR5U_qslHfrew7jDmjfxOihvI=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure> Final Thoughts You don’t need a degree to earn real money.These 10 legit side hustles that pay weekly prove that if you’re willing to work smart (and a little hard), you can boost your income—on your terms.✅ Flexible ✅ No degree required ✅ Payouts every weekReady to take action? Don’t wait for perfect conditions—start small and build up. 📌 Save this post. Share it. Take action.

10 Legit Side Hustles That Pay Weekly (No Degree Needed)

Contemporary art collage. Motivated student, trainee, probationer working with laptop and rising profit

Disclosure: This post may contain affiliate links, which means I may earn a small commission at no extra cost to you if you make a purchase through my link. I only recommend products I trust and use to improve personal finances. Read my full disclosure here. &nbsp;<figure id="figure-w0dox397zmcmjk922"><img id="w0dox397zmcmjk922" src="https://media.gettyimages.com/id/1086760286/photo/new-years-resolutions-2019-year-to-save.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=0L19fn_4nM3nBqhuIYph3QgYo9lxBh3M3kqGTcRzmAI=" alt="New Year's Resolutions 2019. Year to Save" title="New Year's Resolutions 2019. Year to Save" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1086760286/photo/new-years-resolutions-2019-year-to-save.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=0L19fn_4nM3nBqhuIYph3QgYo9lxBh3M3kqGTcRzmAI=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure> Are you tired of feeling like your money disappears before the end of the month? You're not alone. Many people are stuck in financial cycles that keep them living paycheck to paycheck, not because they don’t earn enough, but because of poor money habits. As we head into 2025, it’s time to take control of your finances and make smarter choices that help you save more and spend less.Below are five money habits to break in 2025, and practical tools (including <a data-mce-href="https://www.rakuten.com/referral/default.do" href="https://www.rakuten.com/referral/default.do">Rakuten</a>) that will help you save instantly. <figure id="figure-81kc1vcgulmcme6egy"><img id="81kc1vcgulmcme6egy" src="https://media.gettyimages.com/id/2154696390/photo/2025-with-us-dollars-background.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=_AYRd-Z3nrQVn-z1W021VgshekFuYjhYJrtaHHyrHlo=" alt="2025 with US Dollars Background" title="2025 with US Dollars Background" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2154696390/photo/2025-with-us-dollars-background.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=_AYRd-Z3nrQVn-z1W021VgshekFuYjhYJrtaHHyrHlo=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure> 💸 1. Impulse Shopping Without Earning Cashback One of the most damaging money habits people have is impulse shopping, especially online. It’s tempting, a flash sale here, a 50% discount there, but these quick buys add up fast. What’s worse? Most people don’t even use cashback or reward tools while shopping online.💡 How to Break This Habit in 2025: Instead of quitting online shopping cold turkey, start using Rakuten, a free cashback platform that literally pays you to shop.🛍️ Here’s how it works:Sign up for <a data-mce-href="https://www.rakuten.com/referral/default.do" href="https://www.rakuten.com/referral/default.do">Rakuten</a> using this link, it's free. Browse stores like Walmart, Macy’s, Target, Sephora, and over 3,500 more. Rakuten gives you cashback on every qualifying purchase. Example: Spend $100 on Nike and get $10 cashback. Simple.✅ Pro Tip: Add the <a data-mce-href="https://www.rakuten.com/referral/default.do" href="https://www.rakuten.com/referral/default.do">Rakuten </a>browser extension so it alerts you whenever you're on a site that offers cashback. <figure id="figure-nh6mwdlnokmcme7721"><img id="nh6mwdlnokmcme7721" src="https://media.gettyimages.com/id/2173735323/photo/new-year-2025-goal-plan-action-wooden-blocks-with-text-goal-plan-action-financial-plans-and.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=LmGXv0BPZc-C2__47wUYB6PR2VXWMc3bwyskdR8smaY=" alt="new year 2025 goal, plan, action. wooden blocks with text, goal, plan, action, financial plans and strategies, develop towards success in 2025." title="new year 2025 goal, plan, action. wooden blocks with text, goal, plan, action, financial plans and strategies, develop towards success in 2025." class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2173735323/photo/new-year-2025-goal-plan-action-wooden-blocks-with-text-goal-plan-action-financial-plans-and.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=LmGXv0BPZc-C2__47wUYB6PR2VXWMc3bwyskdR8smaY=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure> 🚫 2. Paying for Subscriptions You Don’t Use Do you really need Netflix, Hulu, Amazon Prime, AND HBO Max? How about that meditation app you haven’t opened in months? Many people don’t realize they’re losing hundreds per year on unused subscriptions.💡 How to Break This Habit in 2025: Use a budgeting tool like Rocket Money (formerly Truebill). It automatically:Finds and lists all your recurring subscriptions Cancels the ones you no longer need Negotiates lower bills on your behalf It’s like having a money-saving assistant in your pocket.&nbsp; 🪙 3. Not Tracking Where Your Money Goes If you don't track your spending, you're likely overspending. From small coffees to late-night food deliveries, tiny purchases can silently kill your budget.💡 How to Break This Habit in 2025: Start using a budget tracking app like You Need A Budget (YNAB) or EveryDollar.Here’s what they help with:Allocating every dollar you earn Tracking your categories (food, bills, fun) Setting goals and measuring progress Most people find they can save an extra $200–$500/month just by getting visibility into their spending.&nbsp; 💼 4. Letting Your Savings Sit in a 0.01% Account. Keeping your emergency fund or savings in a regular checking account or a low-interest savings account is costing you. Inflation eats away at your money’s value when it’s not growing.💡 How to Break This Habit in 2025: Open a high-yield savings account with an online bank like CIT Bank or Marcus by Goldman Sachs. These accounts typically offer 4% or more in annual interest compared to your bank's 0.01%.That means:$1,000 = $0.10/year in a regular bank $1,000 = $40+/year in a high-yield savings account It’s passive income, for doing nothing.&nbsp; 🧾 5. Ignoring Discounts and Promo Codes If you hit “checkout” without looking for a promo code or cashback deal, you’re overspending, plain and simple.<figure id="figure-axefyyxybhmcmj8u6l"><img id="axefyyxybhmcmj8u6l" src="https://media.gettyimages.com/id/2174569780/photo/2025-and-piggy-bank.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=VULF0v-cOA8KcHw5Vu15COWuWE72fLoTOfCTRGbhoO4=" alt="2025 And Piggy Bank" title="2025 And Piggy Bank" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2174569780/photo/2025-and-piggy-bank.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=VULF0v-cOA8KcHw5Vu15COWuWE72fLoTOfCTRGbhoO4=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>💡 How to Break This Habit in 2025: Again, this is where Rakuten comes in strong. In addition to cashback, it often applies the best available promo codes for thousands of stores automatically at checkout.No more:Copy/pasting random codes Searching Google for “XYZ coupons” With Rakuten’s browser extension, the discounts find you.📌 Sign up here for free: <a data-mce-href="https://www.rakuten.com/referral/default.do" href="https://www.rakuten.com/referral/default.do">https://www.rakuten.com/referral/default.do#</a>&nbsp; 🎯 Bonus Tip: Stack Your Savings Want to supercharge your savings this year? Use these strategies together:Shop online → Activate <a data-mce-href="https://www.rakuten.com/referral/default.do" href="https://www.rakuten.com/referral/default.do">Rakuten </a>→ Earn cashback Use Rocket Money to cancel old subscriptions Set up auto-transfer to a high-yield savings account Track every dollar with a budgeting app Let Rakuten apply promo codes on top of sales Small changes = big results over time. <figure id="figure-i0kaburmgmcmja4r8"><img id="i0kaburmgmcmja4r8" src="https://media.gettyimages.com/id/2171454782/photo/happy-new-year-2025-with-coins-money-stack-growing-with-magnifier-glass-money-saving.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=opGxQMO32FWzqWJOPMrKFkK3Deb7LB3izuRDFTWhFmE=" alt="Happy New Year 2025 with coins money stack growing with magnifier glass. Money saving, Inflation, tax, cash flow, Job search, hiring and research development concepts" title="Happy New Year 2025 with coins money stack growing with magnifier glass. Money saving, Inflation, tax, cash flow, Job search, hiring and research development concepts" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/2171454782/photo/happy-new-year-2025-with-coins-money-stack-growing-with-magnifier-glass-money-saving.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=opGxQMO32FWzqWJOPMrKFkK3Deb7LB3izuRDFTWhFmE=" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure> 📊 Real-Life Example: How One User Saved Over $500 in 3 Months Let’s break down how a typical user might save:Habit Broken Monthly Savings Tool Used Canceled 3 unused subscriptions $45/month Rocket Money Earned cashback via Rakuten $30/month <a data-mce-href="https://www.rakuten.com/referral/default.do" href="https://www.rakuten.com/referral/default.do">Rakuten</a> Switched to high-yield savings $15/month CIT Bank Tracked spending and cut extras $100/month YNAB Used promo codes via Rakuten $20/month Rakuten &nbsp; ➡️ Total: $210/month = $630 in 3 monthsAnd that’s without increasing income,&nbsp; just smarter money management.&nbsp; 🔁 Final Thoughts: 2025 Is the Year to Build Wealth The truth is, most people don’t need to hustle harder, they just need to be smarter with what they already have.By breaking these 5 habits and using tools like <a data-mce-href="https://www.rakuten.com/referral/default.do" href="https://www.rakuten.com/referral/default.do">Rakuten</a>, you can finally start seeing more money stay in your account, month after month.👉 Ready to start? ✅ Get cashback on everything you buy: Join Rakuten <a data-mce-href="https://www.rakuten.com/referral/default.do" href="https://www.rakuten.com/referral/default.do">here</a>, it’s free

5 Money Habits to Break in 2025 (You’ll Save More!)

Young woman planning her monthly budget and sorting out bills when managing finances

<h2>Understanding the Importance of Budgeting</h2>
Creating a budget plan is a fundamental step in managing your finances effectively. It helps you track your income, control your spending, and ensure you have enough resources for both your short-term needs and long-term goals. A well-crafted budget can provide peace of mind and financial security, allowing you to enjoy life without the stress of financial uncertainty.

<figure id="figure-7zlu5hi5ssmclvyvev"><img id="7zlu5hi5ssmclvyvev" src="https://cdn.durable.co/getty/2cE0rA9EKNeY5ISBu1es3gm4EzGkbZqLkyiKtSJ79tAFrqDEICzvL9ZtGlWbJ3Ah.jpeg" alt="budget planning" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9"></figure>

<h3>Step 1: Assess Your Income</h3>
The first step in creating a budget plan is to accurately assess your total income. This includes all sources of money you receive, such as your salary, bonuses, freelance work, or any other form of regular income. Understanding your total income is crucial because it sets the foundation for how much you can allocate to various expenses and savings goals.

<h3>Step 2: Track Your Expenses</h3>
Once you have a clear picture of your income, the next step is to track your expenses. Start by categorizing your spending into fixed and variable expenses. Fixed expenses are those that remain constant each month, like rent or mortgage payments, while variable expenses can fluctuate, such as groceries and entertainment. This categorization will help you see where your money goes and identify areas where you might cut back.

<figure id="figure-t440edydsfmclvz1hb"><img id="t440edydsfmclvz1hb" src="https://cdn.durable.co/getty/3a9LsHkRJuSlnKuVyyAkpVuBsyWKy8EyXSohRDnBexTV2UxZMIwuyqF4cycT5w8d.jpeg" alt="expense tracking" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9"></figure>

<h3>Step 3: Set Financial Goals</h3>
With a clear understanding of your income and expenses, it’s time to set realistic financial goals. These goals can be short-term, such as saving for a vacation, or long-term, like building a retirement fund. Clearly defined goals will motivate you to stick to your budget and provide a framework for making financial decisions. Make sure your goals are SMART: Specific, Measurable, Achievable, Relevant, and Time-bound.

<h3>Step 4: Create Your Budget Plan</h3>
Now that you have all the necessary information and goals in place, you can create your budget plan. Use a budgeting app or a simple spreadsheet to allocate portions of your income to different categories such as housing, transportation, savings, and leisure. Ensure that your expenses do not exceed your income, and adjust as necessary to prioritize savings and essential spending.

<figure id="figure-pq1r71fujmclvzcru"><img id="pq1r71fujmclvzcru" src="https://cdn.durable.co/getty/28MgHAGTSECkk0F8ZNi9IlWl2WZYQaLhwVSagPyE9L7DwxbLKQsDB6FmLbhYuEeL.jpeg" alt="spreadsheet budgeting" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9"></figure>

<h3>Step 5: Monitor and Adjust</h3>
Creating a budget is not a one-time task. It's essential to regularly monitor your spending against your budget to ensure you're on track. Review your budget monthly and make adjustments as needed to accommodate changes in your financial situation or to meet new goals. Consistent monitoring will help you maintain control over your finances and adapt to any unexpected expenses.

<h2>Tips for Successful Budgeting</h2>
To make budgeting more effective, consider these tips:
<ul>
 <li>Automate Savings: Set up automatic transfers to your savings account to ensure consistent saving.</li>
 <li>Use Budgeting Tools: Leverage apps and tools designed to simplify the budgeting process.</li>
 <li>Avoid Impulse Purchases: Give yourself a waiting period before making non-essential purchases.</li>
</ul>

By following these steps and tips, you'll be well on your way to creating a successful budget plan that not only helps manage day-to-day expenses but also secures your financial future.

Creating a Budget Plan: A Step-by-Step Guide

<h2>Understanding Your Credit Score</h2>
Your credit score is a crucial component of your financial health, impacting everything from loan approvals to interest rates. Understanding how your credit score is calculated is the first step in a successful DIY credit repair journey. Credit scores generally range from 300 to 850, with higher scores indicating better creditworthiness.

Several factors contribute to your credit score, including payment history, credit utilization, length of credit history, new credit, and credit mix. Focusing on these factors can help you identify areas for improvement.

<figure id="figure-u17sm9mk1mclvjj52"><img id="u17sm9mk1mclvjj52" src="https://media.gettyimages.com/id/2167539238/photo/credit-score-concept-businessman-evaluate-customer-statistical-data-with-credit-score-icon.jpg?b=1&s=2048x2048&w=0&k=20&c=Fliu7SpB0EWh3Li08HzrbRuBWAAvrXs2hwpaoHog8ZA=" alt="credit score chart" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>Start by Checking Your Credit Report</h3>
Before you can make any improvements, you need to know where you stand. Obtain a free copy of your credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion—at least once a year. Review your reports carefully for any inaccuracies or fraudulent activities.

If you find errors, dispute them immediately. You can do this by contacting the credit bureau that issued the report. Correcting errors can have a significant impact on your credit score.

<h2>Strategies for Improving Your Credit Score</h2>
<h3>Pay Your Bills on Time</h3>
Payment history accounts for approximately 35% of your credit score, making it the most significant factor. Always pay your bills on time to avoid late fees and negative marks on your credit report. Consider setting up automatic payments or calendar reminders to help you keep track of due dates.

<figure id="figure-l6sjnf21d8mclvjj52"><img id="l6sjnf21d8mclvjj52" src="https://media.gettyimages.com/id/2198904836/photo/e-invoice-and-digital-billing-concept-businessman-using-laptop-to-manage-electronic.jpg?b=1&s=2048x2048&w=0&k=20&c=e2RA6-vN1SU6UiOoinJZdKqc4q244uCt2tZgKnXjG64=" alt="pay bills" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>Reduce Your Credit Utilization Ratio</h3>
Your credit utilization ratio is the amount of credit you're using compared to your total available credit. Keeping this ratio below 30% is recommended for a healthy credit score. If possible, pay down existing debt and refrain from making large purchases on your credit cards to lower your utilization ratio.

<h2>Smart Credit Management</h2>
<h3>Avoid Opening Too Many New Accounts</h3>
Every time you apply for new credit, a hard inquiry is made on your credit report, which can negatively affect your score. Limit the number of new accounts you open and only apply for credit when truly necessary.

<figure id="figure-nzzc9hhlmsmclvjj53"><img id="nzzc9hhlmsmclvjj53" src="https://media.gettyimages.com/id/1205127295/photo/mobile-device-on-credit-application-document.jpg?b=1&s=2048x2048&w=0&k=20&c=zJCMzVopdmU2QyoZc2EgdkPAMlRkdiV7QeOpJ7Pb-FQ=" alt="credit card application" class="object-cover bg-gray-100" style="aspect-ratio: 16/9"></figure>

<h3>Keep Old Accounts Open</h3>
The length of your credit history also plays a role in determining your credit score. Closing old accounts can shorten your credit history and reduce your overall available credit. Instead, keep these accounts open and use them occasionally to keep them active.

<h2>Seek Professional Guidance if Needed</h2>
If DIY efforts aren’t producing the results you want, consider seeking advice from a certified credit counselor. They can provide personalized strategies and insights into improving your credit score effectively.

Improving your credit score takes time and persistence, but the long-term benefits are well worth the effort. By following these tips and maintaining good financial habits, you can work towards achieving a strong and stable credit profile.

DIY Credit Repair: Tips and Tricks to Boost Your Credit Score

Why Everyone Should Try Rakuten: The Easiest Way to Get Paid to Shop<figure id="figure-bdq3j39h3mcluipxx"><img id="bdq3j39h3mcluipxx" src="https://cdn.durable.co/blocks/6NF3l68TbZbLPWoIH7QIsfGDsCTrk78dzKsStdH8oXnbDAyd14FuzeBOS2vadF3h.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/6NF3l68TbZbLPWoIH7QIsfGDsCTrk78dzKsStdH8oXnbDAyd14FuzeBOS2vadF3h.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>Imagine getting paid just to shop online or in-store. Sounds too good to be true, right? Well, that's exactly what Rakuten (formerly Ebates) offers. If you're looking to save money on things you’re already buying groceries, clothes, travel, electronics, and more, then Rakuten is a must-have.In this article, we’ll break down what Rakuten is, how it works, and exactly why it’s worth signing up for today, especially if you're serious about maximizing your personal finances with little effort.<figure id="figure-3v0onuw6yemcluhkcy"><img id="3v0onuw6yemcluhkcy" src="https://cdn.durable.co/blocks/fU96JiObLnbLBiYzmVWWKDOwCvsnsytroU5nxwxhctPPzKrRKtaZbCwLpj90QHwN.jpg" alt="" title="" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/fU96JiObLnbLBiYzmVWWKDOwCvsnsytroU5nxwxhctPPzKrRKtaZbCwLpj90QHwN.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>&nbsp; What Is <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Rakuten</a>? Rakuten is a free cashback platform that rewards you with a percentage of your purchase when you shop through their website, app, or browser extension.Whether you’re ordering from Walmart, Macy’s, Sephora, Nike, or booking a hotel through Expedia, Rakuten partners with over 3,500 major retailers to give you cashback ranging from 1% to even 20% or more during special promotions.&nbsp; How Does Rakuten Work? The process is simple:Sign up for a free account at <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Rakuten</a>. Shop through their site or browser extension by clicking on your favorite store (Amazon, Target, Best Buy, etc.). Make your purchase as usual. Earn cashback, which Rakuten sends to your PayPal or by check every quarter. 💡 Bonus tip: New users often get a $10–$30 welcome bonus after making their first qualifying purchase.&nbsp; Why People Should Try Rakuten Here are the top reasons why millions of Americans are using Rakuten—and why you should too.&nbsp; 1. It’s Free Money for Shopping You’re Already Doing One of the biggest reasons Rakuten is a game-changer is that you don’t need to change your spending habits. If you already shop online at stores like Amazon, Target, or Kohl’s, you can just activate Rakuten and earn a percentage back, no catch.Example: Spend $200 at Nike during a 10% cashback promotion? You’ll earn $20 back. Simple.&nbsp; 2. Cashback Is Real and Reliable Unlike shady “reward” apps or scams that make you jump through hoops, Rakuten really pays. Since its launch in 1999, Rakuten has paid over $2 billion in cashback to its users.They pay out every 3 months, either via:PayPal Check (Big Fat Check) You don’t need to accumulate a massive balance, just $5.01 in earnings gets you paid.&nbsp; 3. Thousands of Big Name Stores Rakuten partners with 3,500+ retailers across every category:🛒 Groceries: Walmart, Instacart 👚 Fashion: Macy’s, Old Navy, Adidas 💻 Tech: Best Buy, Lenovo, HP 🧳 Travel: Expedia, Booking.com, Priceline 🧼 Beauty: Sephora, Ulta 🏠 Home: Bed Bath &amp; Beyond, Home Depot No matter what you’re shopping for, there's a very high chance Rakuten has cashback available.&nbsp; 4. The Browser Extension is a Time-Saver If you’re like most people, you probably forget to visit cashback sites before shopping.Rakuten solves this with their browser extension (for Chrome, Safari, or Firefox). It automatically notifies you when cashback is available on a site you’re browsing.No extra clicks. No effort. Just free money.&nbsp; 5. In-Store Cashback Available Too Rakuten isn’t just for online shopping.You can also link your credit or debit card to Rakuten and activate in-store cashback offers. Then, when you shop in person at participating retailers, Rakuten tracks your purchase and gives you cashback automatically.Perfect for those grocery runs, gas stops, or weekend mall shopping trips.&nbsp; 6. Stack Cashback With Coupons and Credit Card Rewards Here’s the magic: Rakuten doesn’t stop you from stacking discounts. You can use coupon codes, promo deals, and earn credit card rewards alongside your Rakuten cashback.That means you’re maximizing every dollar you spend:Sale price + Rakuten cashback + Credit card points = 💰💰💰 It's the ultimate money-saving trio.&nbsp; 7. Great for Holiday and Travel Shopping During Black Friday, Cyber Monday, or back-to-school season, Rakuten runs special double cashback events where you can earn up to 15–20% at top stores.Planning a trip? Use Rakuten to book flights and hotels through:<a data-mce-href="https://euro.expedia.net/?locale=en_IE&amp;siteid=4400&amp;semcid=EU.B.GOOGLE.BT-c-EN.GT&amp;semdtl=a118255096713.b1143067025193.g1aud-2067245471241:kwd-12670071.e1c.m1CjwKCAjwsZPDBhBWEiwADuO6yyvEN1v_3LQiTm92kiC8cnQbgz_evKB1JEGTTgA4wbIgF2A0YrrkMRoCe2YQAvD_BwE.r18ecf53aa28e83528b26bd0fe506a9bd1c783b8bfed88996e40fb324b635358c2.c1JRKYWQx8tsjQSPj2PDP2yQ.j11009824.k1.d1624928482131.h1e.i1.l1.n1.o1.p1.q1.s1.t1.x1.f1.u1.v1.w1&amp;gad_source=1&amp;gad_campaignid=18255096713&amp;gbraid=0AAAAACTxZ9bs4Hg2NidQThhGt8u3Hct9p&amp;gclid=CjwKCAjwsZPDBhBWEiwADuO6yyvEN1v_3LQiTm92kiC8cnQbgz_evKB1JEGTTgA4wbIgF2A0YrrkMRoCe2YQAvD_BwE" href="https://euro.expedia.net/?locale=en_IE&amp;siteid=4400&amp;semcid=EU.B.GOOGLE.BT-c-EN.GT&amp;semdtl=a118255096713.b1143067025193.g1aud-2067245471241:kwd-12670071.e1c.m1CjwKCAjwsZPDBhBWEiwADuO6yyvEN1v_3LQiTm92kiC8cnQbgz_evKB1JEGTTgA4wbIgF2A0YrrkMRoCe2YQAvD_BwE.r18ecf53aa28e83528b26bd0fe506a9bd1c783b8bfed88996e40fb324b635358c2.c1JRKYWQx8tsjQSPj2PDP2yQ.j11009824.k1.d1624928482131.h1e.i1.l1.n1.o1.p1.q1.s1.t1.x1.f1.u1.v1.w1&amp;gad_source=1&amp;gad_campaignid=18255096713&amp;gbraid=0AAAAACTxZ9bs4Hg2NidQThhGt8u3Hct9p&amp;gclid=CjwKCAjwsZPDBhBWEiwADuO6yyvEN1v_3LQiTm92kiC8cnQbgz_evKB1JEGTTgA4wbIgF2A0YrrkMRoCe2YQAvD_BwE">Expedia</a> <a data-mce-href="https://www.travelocity.com/" href="https://www.travelocity.com/">Travelocity</a> <a data-mce-href="https://www.booking.com/?force_referer=" href="https://www.booking.com/?force_referer=">Booking.com</a> <a data-mce-href="https://www.hotels.com/?locale=en_GB&amp;pos=HCOM_ME&amp;siteid=310000033" href="https://www.hotels.com/?locale=en_GB&amp;pos=HCOM_ME&amp;siteid=310000033">Hotels.com</a>Why Everyone Should Try Rakuten: The Easiest Way to Get Paid to Shop Your vacation can literally pay you back.&nbsp; 8. Perfect for Budgeters, Students, and Families Whether you're:A college student buying books and supplies A parent buying kids’ clothes and groceries A budget-conscious shopper trying to stretch your income Rakuten fits every lifestyle.You’re not spending more, you’re just getting rewarded for the spending you’re already doing.&nbsp; 9. Referral Program: Get Paid to Invite Friends Rakuten also pays you to share the love. You’ll get a referral link after signing up, and you can earn $30+ for every friend who signs up and makes a purchase.Some users earn hundreds per month just by inviting friends, family, or followers.This makes Rakuten a great tool for bloggers, influencers, and anyone active on social media. 10. Mobile App Makes Shopping Easy On-the-Go The Rakuten app (iOS + Android) lets you:Shop from thousands of stores Track your earnings Activate in-store cashback Get alerts for flash deals It's user-friendly, fast, and helps you save even when you're shopping on your phone.Who Should Use <a href="https://www.rakuten.com/referral/default.do" data-mce-href="https://www.rakuten.com/referral/default.do">Rakuten</a>? Online shoppers College students Families on a budget Couponers and deal hunters Bloggers and influencers Anyone who shops online even once a month If you buy things online or in-store and you’re not using Rakuten, you’re literally leaving money on the table.&nbsp; Real-Life Example: How I Saved $500 With Rakuten Let’s say you shop online or in-store with an average of $400/month on essentials like groceries, clothes, tech, or travel.At an average 5% cashback rate, that’s:$400 x 0.05 = $20/monthIn one year? That’s $240. Add in double cashback events, sign-up bonuses, referrals, and in-store deals, and it’s very realistic to save $500 or more annually.No side hustle. No extra effort. Just smart spending.&nbsp; How to Sign Up and Get Your Free $30 Bonus Getting started with Rakuten is fast and easy:Go to 👉 <a data-mce-href="http://www.rakuten.com/r/PENNYW1076?eeid=28187" href="http://www.rakuten.com/r/PENNYW1076?eeid=28187">Rakuten Signup </a>Page Create your free account Shop at any qualifying store Get $30 after your first $30+ purchase (limited-time offer) &nbsp; Final Thoughts: Rakuten Is a No-Brainer If you're serious about stretching your budget, saving money, or boosting your cash flow, Rakuten is the easiest place to start.No fees No spam No scams Just cashback With the rise in living costs, student debt, and unpredictable bills, every dollar counts. Rakuten helps you put money back in your wallet for doing what you already do shop.&nbsp; Don’t Wait, Try Rakuten Today and Start Getting Paid to Shop 🛍️💸 Sign up here to get your free welcome bonus: 👉 <a data-mce-href="https://www.rakuten.com/referral/default.do" href="https://www.rakuten.com/referral/default.do">www.rakuten.com</a>Your future self, and your bank account, will thank you.

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Pennywisepro

Pennywisepro" is a personal finance website designed to help individuals take control of their money. It offers intuitive tools for budgeting, expense tracking, goal setting, and financial planning. Users can link their accounts securely, monitor spending habits, get personalized insights, and set savings goals—all in one dashboard. Whether you're managing debt, planning for retirement, or just trying to stick to a monthly budget, SmartBudget empowers you with the knowledge and tools to make smarter financial decisions.