Resources for saving and making money.

There are tons of ways to make money online without spending a dime. I will introduce you to these programs and explain exactly how they work, how they pay you and how long it takes to get your money.  Every site listed here is a program that I am signed up to and get paid from regularly.  Please understand that you will not get rich from these programs, but you can make a good chunk of spending money on the side...(I currently make about $300-$400 a month from surveys).

  I get my payments through PayPal when I can, (most of my programs pay to PayPal).  I have been a member for a few years now, and have had no problems.  If you don't have an account with PayPal, you can sign up here to get one.  It's free, easy to use and you get a debit/credit mastercard for your account that you can use anywhere and earn cash back on all of your purchases.

  If you have any questions about the programs listed here, please let me know.  You can also start a discussion in the forums...(Your question may be of some help someone else too).  I'll answer them as soon as I can. 

American Consumer Opinion Panel


American Consumer Opinion Panel is a great panel to build up cash fast.  Surveys usually pay $1-$5.  You can cash out starting at $10. They only pay by check, so you may want to let this one build up until you get a good bit in your account.


Click IQ


Click IQ is pretty cool.  They send surveys to your email. I suggest doing them as they come in.

You can cashout at 2500 points, which is $25 to Paypal.  You can usually get at least 150 points for surveys you complete. If you don't qualify, you get 25 points...So you always get something for trying.




CreationsRewards is a great site for earning money.  Doing just surveys will give you enough points for a $10 cashout a couple of times a week, if not more often...with points to spare.  I have been signed up with this program for a few years and can say, first hand, that customer service is great.  Sign up here.


Daily Survey Panel


Daily Survey Panel is great because you can cash out at $1 minimum, (to PayPal), if you want to for only 200 pts. You can also get a $5 Amazon gift certificate for 1000 pts. or a gift cards to other places starting at 1100 pts.  Surveys are relatively easy to qualify for and usually pay at least 200 pts. each. Getting paid is quick.  They always have a bunch of surveys to do.  Sign up here.


DollarSurveys is a great way to have a stream of $1 payments trickling into your PayPal account.  They pay out on Fridays, Mondays and Tuesdays usually.  It is super simple to use this site.  There is no sign-up required...all you do is enter your PayPal address and take a survey.  You will get a dollar for every survey you do.  The surveys are usually 10-15 minutes long...if a survey takes longer than 10-15 minutes, it will tell you and offer a higher amount.  They also occasionally offer $1.50-$5.00 for signing up for certain newsletters.  This is one of my favorites.  There is no limit to the amount of surveys you can do and they pay every week...sometimes more than once weekly.  I have been paid for every survey that I have done and have never had a problem.


EDU Research Group


This is a good survey site...there's always a lot of educational surveys to do.  Minimum cashout is at $25 through Paypal only.  Sign up here.


FGI Research


FGI Research is a really good site.  They will pay to your Paypal after you complete a survey.  Payment usually takes 2-4 weeks for me, so expect a delay. If you continue to do these surveys as they come in your email, you will have a steady trickle of cash into your Paypal account. 

The incentive for the surveys they send will vary widely, because in addition to surveys, they also send invitations to focus groups and forums. I have gotten several payments of over $100 from them as well as many, many smaller payments.


Focus Forward


Focus Forward is a great company for surveys, but also for focus groups and online discussions.  You'll get lots of surveys through this company and cash out is by check only. The minimum to cash out is $20.


HCD Surveys


HCD Surveys is a good site for surveys. They send them to your email.  Cashout is at $10 by check only.



HitPredictor is a great site!  I've been a member of this one since waaay back...before they were known as HitPredictor.  I've cashed my points out for CD's, DVD's and gift cards many times over the years.

You earn points for rating songs.  That's all there is to it!  Simple, right?!

Once signed in, you just click the button, at the top left, that says "rate music".  A new, small, window will open up and a song will start playing.  All clips of songs are about 1:30 long.  After the clip is over, you just rate it and put a little comment about it in the box.  You get 3 points every time you rate a song.

The points add up quickly.  I just sign in and start rating songs when I get on the computer.  The box will stay up while you do other work on the computer.  Just remember to switch over to that window when the song ends, so that you can rate it.  Then another song will start playing.  Every few songs, or so, you'll be shown a few artists to rate and then it's back to the songs.

Now, what makes HitPredictor even more awesome, is that pretty often, they will have a promotion going where you rate 10 songs and you get a guaranteed $5 gift card...usually for amazon or target.  You want to make sure to check your email from them so you know when to do this. They do it like twice every week.  That can really add up quickly. 

They also have some drawings for gift cards sometimes for rating 10 songs, just like we just talked about, but the gift cards for these are worth more than $5...usually $10-$25.  How often do you win?  Often enough, that I am sure to check my emails to see if I won because I've won quite a few times, so about that much.

I know, I know...stop rambling and tell me where to sign up, right?  Here ya go...Just go to HitPredictor and sign up.




Chances are you've heard of this program.  You get paid to do surveys, do offers, play games, tasks and more.  It's a good program...I've been a member of InboxDollars since 2005 and have been paid many times. Cashout is at $30, by check only.



IdeaShifters is a great survey program, in my opinion, because your points add up pretty quickly and they have surveys pretty regularly...most of which aren't all that long, but pay well.

I've been a member of this one for quite a while now and have cashed out many times.  You can cash out once you have 100 points, which is equivalent to $10 to Amazon.

Payments are sent on the 1st and 15th of the month.  This is one of my favorites.  There's also a mobile app that will have extra surveys from time to time.  They make it super easy to earn money with them. 

To sign up, you can email me and give me the email address you would like your invite to go to.  That's all I need from you.  As soon as I get it, I'll send you the invite and it will come directly from IdeaShifters.

Here's my email:  [email protected]




I-Say is a good company.  Points build up quickly, thanks to a steady trickle of surveys being offered.   Cashout starts at $10 payable via Amazon code, American Express Gift Card, check or several other options.  I use this one for Amazon money.   You'll get an email every time a new survey is offered, but you can also just go to the site to see what's available.  You'll also get product surveys sometimes.


Mindfield Online


Mindfield Online is a good site. They send a lot of surveys and they all pay at least $1, so it's super easy to build up the $5 needed to cash out to Paypal. 


They have recently added the option to cashout to Amazon as well...and you can do this at no minimum amount.




MySurvey is one of my favorites as well.  Cashout is at 1100 points for PayPal and Amazon, although there are tons of ways to get your rewards.  It's extremely easy to build up enough points to cashout on this one...they send a ton of surveys straight to your email.  You can also check the site at any time you like.  It will show the current list of surveys that you can take. 


Opinion Outpost


Opinion Outpost is one of my favorite sites to make money. They have great customer service, a ton of surveys, great payout options and they pay quickly, (no matter what method you choose).

Surveys usually credit instantly. If you don't qualify for a survey, you can have an entry to the instant win or sweepstakes. You can also click to donate to the American Red Cross or other charities.  In order to get the chance at the instant win or to donate some, after you disqualified for a survey, it will ask you if want to take another one or not now.  Click on not now and it will give you the button for the instant win or the donations.  You can win either 50 cents, $1 or $2 usually.  You won't win a lot, but you will win regularly.  I've won several times.


Cashing out is quick and easy. You have quite a few options...PayPal ($10 minimum), Check ($20 minimum), Amazon Codes ($5 minimum), Gift Card ($10 minimum) or Donate to the American Red Cross ($5 minimum) or various other charities.  You can also cash out to a company that you can buy games for.


The PayPal is immediate.

The checks usually get to me in about 1-2 weeks.

The Amazon codes go to your email immediately.




PaidViewpoint is one of my favorites.  I've cashed out from them several times now...Each time for at least $15, (which is the minimum to cashout).  You'll get your money in your paypal account within 2 days.  I've never had them be late paying me.  I have really come to love this survey company.  It's one that will seem like it takes a while to build your account, but it doesn't...It actually builds up quicker than you realize.  You do trait surveys once or twice daily, each for 10 cents, and you have biz surveys that pay significantly more.  You will also have surveys that will get sent to your email.  If you complete those within 3 hours, you will get the full amount.




I like PinFreeSurveys, because it sends you a lot of surveys to your email...most days 1-4 or 5 surveys a day, which means you build up your account very quickly.  I recommend doing these surveys as you get them, because you have a better chance of qualifying for them that way.  It will also ensure that you will continue to have a steady trickle of cash being added to your account.


You have 3 options for cashout:


  • Paypal--minimum is $20
  • Facebook Credits--minimum is $15
  • Magazine subscription-minimum is $10


Once you finish a survey, your account will be credited in about 1-2 weeks.  I haven't had a problem with them crediting my account...they've always given me the right amount of money for each survey.




Want to get free products to try, (and keep)?  Want to get paid for it?  You can...with QuestionMoms.  Don't have a blog?...That's ok.  Not a mom?...That's ok too.  Anyone can sign up for free!  Joining is super simple and you can earn $5 in just a few minutes! 


Sign up to participate with QuestionMoms!


Cashout is at $20 and they pay to PayPal.




I've been with QuickRewards since about a year after they started.  I have never had a problem getting paid.  This program is great because of all the stuff you can do to get money.  There are games, polls, surveys, free signup offers, and more.  There are also emails, (should you choose to get them), that pay you. There is no minimum to cash out and they pay to PayPal.  You can also get gift certificates to various restaurants and stores. I only do PayPal.  When you request payment, it will go through the next day...usually in the afternoon.


Socratic Forum


Socratic Forum is a great site. They will send surveys to your email. I suggest doing the surveys as they come in your email so that you have a better chance to qualify for them. These surveys typically pay between $1 and $5 each. 


Cashing out is easy. The minimum is only $5 and you can choose to get a check or an Amazon code.  Personally, I use this survey company to get Amazon codes.  Once you get the code in your email, you can just add it to your Amazon account and let it build up until you are ready to shop.




SurveySavvy is a great company. I have been a member for quite a few years and have cashed out many, many times.  They only pay by check, but there is no minimum.  I usually let it build to at least $20 before cashing out.


They send a lot of surveys...plenty to allow you to build your account quickly.


They tend to send lots of surveys that pay $10-$30.




SurveySpot is another one of my favorite survey sites. They pay by paypal immediately upon cashing out, (with a minimum of 1000 points).


1000 points is equal to $10. Each survey gives you at least 50 points, so you can build up points quickly and easily. I have cashed out many times from them and have never had a problem. 


Also, each survey you attempt will give you one entry into the new $12,000 quarterly prize draw! 


I have only had to contact customer service by email once and my problem was solved in two business days, (which is great in the world of surveys). 


2 people per household can sign up for this one!




Swagbucks is a really cool site.  There are so many ways you can earn points, (not by doing offers). There are surveys, searching, watching videos, etc. Cashing out is easy.  The minimum for Amazon codes is 450 points and the minimum for Paypal is 700 points.




You Data is a great program that is incredibly easy to use.  They pay you every Friday right into your PayPal account, and are never late.  The customer support is excellent. 


This is definitely one of my favorites.  All you do, is sign up and log in to view ads.  The amounts vary, but are usually in the range of $0.07-$0.25 per ad.  You don't even have to stay on the ad for 30 seconds like most programs.  You just click on the ad to open it, and then close it.  It's that simple. 


Of course it doesn't pay tons of money, but it does add up very quickly.  My last 3 payments were for $3.63, $2.78 and $1.98. 


Another great thing about this company is that you don't have to request payment, it is automatic.  When I wake up on Friday morning and check my email, there is always a payment from YouData to my PayPal. 


If you want to sign up, you can do it here or you can use the box on the right side of every page on this site.  I put the box there so that you can just log in and check your ads without ever being inconvenienced.