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For the longest time, I never really knew what the term “free money” meant.
Plus, the idea of getting free money sounds too good to be true, right?
Well, I’m here to tell you that it’s not — it’s all about being resourceful and finding legitimate ways to get free money that could help you financially.
I never really thought much about it, but the numbers really do add up!
You could get $2,000, $5,000, or even as high as $10,000 in “free money” when you combine and take advantage of free resources out there!
With that said, the concept of free money is real and it’s something you can’t afford to miss out on (no pun intended, haha)!
How To Get Free Money
So, here’s our quick story.
We were able to manage our money effectively and save almost $1,000,000 in 8 years, but were oblivious to the fact that we were actually taking advantage of what people call “free money” or “free stuff”.
Looking back, I have to say that taking advantage of free and hidden money contributed to the growth of our savings and net worth.
Some of these resources had big impacts on our savings whereas others were small.
In either case, no matter how big or small, they all add up in the end with an overall net positive effect.
With that said, I’m going to name all the places you can take advantage of so you can learn how to get free money fast!
Most of these resources are what we personally use and it has worked well for us over the years!
This post is long to give you loads of information! Don’t forget to pin or bookmark this for your future reference!
Before moving onto the big wins which will take more time, let’s start off with the quick and small wins!
These first few points I list won’t instantly turn you into a millionaire overnight, but they are fun and easy ways to get free money fast.
Get money in your bank account now — for free! 💰💰💰
I need money now for free and fast!
I know some of you may be saying “I need money now for free and fast!” or “Help! I need money desperately!”.
Don’t worry, I’ve got you covered! 😉
I’m going to show you how to get free money on PayPal instantly along with free gift cards and other freebies.
Who wouldn’t enjoy these quick and small wins, right?
Go ahead and check out how I get free money plus earn free gift cards to my favorite stores.
How I get free money mailed to me
How this works is I claim free PayPal money (or free gift cards) through the legitimate websites I list below.
Sometimes I even choose the option to get my free money mailed to me.
How you want to redeem your cash money, gift cards, and rewards is up to you! 🙂
I recommend signing up for all of the free resources below if you are interested in banking in some free money.
The more you sign up for, the more free money you may be able to receive in your bank account.
These are all quick and easy to sign up for, plus they’re all free to use, so why not?
Go and get free money right now!
1. Get free money now with Survey Junkie!
Survey Junkie is a free resource I use to earn extra cash by answering surveys online. Trust me, the questions are provided in an easy-to-read multiple-choice format, so it’s extremely simple and quick to answer!
Just like what I do, you can redeem cash via PayPal after answering the easiest survey questions.
This could help you pay for some of your expenses such as food, groceries, household items and more. They are rated 8.7/10 which is one of the highest on TrustPilot reviews.
🌟 You can sign up for Survey Junkie for FREE here and start earning FREE money immediately! 💵
2. How to get free money on Paypal
I know I mention a lot of times on my blog that I enjoy earning free gift cards during my spare time. This helps me reduce spending at my favorite shops.
If you’re not a fan of gift cards, you can always choose to redeem money on Paypal for cash. In the end, it’s up to you, plus it’s all free! 🙂
Swagbucks is one of my favorite resources that I enjoy using to get free money. I highly recommend you giving them a try too. Membership is 100% free and it takes less than 5 seconds to sign up!
Join here: Get $5 cash bonus with this exclusive link. It’s absolutely free to use!
Swagbucks is one of the most popular rewards and survey sites in the world. I’ve been using them since 2009 and that’s how I redeem my choice of free CASH or gift cards to my favorite shops like Amazon, Sephora, Starbucks, Walmart and more.
This helps me earn free money so that I can splurge on my favorite things in life without having to pay, like….
FREE Starbucks, anyone?
I seriously couldn’t say no to one of my favorite fraps like the Chocolate Java Chip!
Ok, I get the point. You need cash right now! 🙂
Swagbucks is 100% legitimate and has paid out their members over $318,443,963 to date!
👉💵 You can grab your FREE $5 cash bonus from Swagbucks here through the special link.
⭐️ Important: Remember to verify the email from Swagbucks in your inbox!
Related post on free money: How To Earn Free Money Fast With Swagbucks
Free money earning sites
⭐️ ⭐️ ⭐️ ⭐️ Earn absolutely free money with more websites!
Again, membership is 100% free. By signing up for many survey sites, you’ll get to take more surveys for more money — it’s a FREE and easy way to earn free money online.
Check out how you could earn free PayPal money now: The Best Survey Sites To Join For Free (Earn Up To $50 Per Survey)
If you live in Canada, you may also want to check out: The Best Free Survey Sites in Canada For PayPal Money.
3. Get cash back from your normal grocery shopping!
I always use this Checkout 51 app to my advantage!
You get FREE cash back on your groceries and home goods!
Every Thursday, the app updates the list with over 100 new offers here! You’re probably going to see a few items that you’re already planning to buy.
This includes your normal groceries (vegetables, cheese, dry foods, dairy products, candies, etc.) and household items such as laundry detergent, soap, napkins, air refreshers, diapers, and more!
Here’s an example of one of my checks I redeemed. I can’t complain about FREE money back… 🙂
Get free money right now! Quickly snap a picture of your receipts through the app with your smartphone and wait a few days for your FREE cash to come in.
Once your account reaches a minimum of $20, you can request your check at NO COST!
🌟 You can immediately get your FREE $5 bonus from Checkout 51 here after uploading your first few receipts!
Don’t forget to use Ibotta too! 🎉 🤩
Is that cool or what? You can stack your savings and earn free money without putting in much effort!
Ibotta users have gotten back over $490,995,558 in REAL money in their bank accounts. So, you can definitely count on them for putting more money in your pockets! 💵
Again, who can say no to FREE money??
👉 Grab your FREE $10 welcome bonus from Ibotta when you sign up through my special link.
4. Absolutely free money! Get paid to shop!
Yes, you can actually get paid to shop (almost anywhere online) and it’s absolutely free money back in your pockets without putting in any work!
I’m not kidding you!
You actually get FREE CASH 💵 just for shopping at over 2,000 of your favorite stores when you join Ebates for free. This includes Amazon, Apple, Walmart, Gap, Old Navy, Sephora, Macy’s, Kohl’s, Target, eBay, and more!
I’ve been using Ebates since 2010 to get FREE money (a few hundred dollars each year) just for shopping for the things I normally buy. NO. EFFORT. INVOLVED!
Here’s a quick example screenshot below of what I got back from a couple of my past purchases — $116.90 in free money!
And in case you didn’t know, you can stack Ebates free money rewards with store promos, other cashback apps, and discounts! That allows you to keep more money in your pockets!
And YES, it’s 100% FREE to sign up for and use!
To learn more, read my full review and tutorial on how to use Ebates here. You won’t be disappointed with Ebates!
🌟 Sign up here for your FREE $10 bonus after making your first $25 purchase through Ebates.
If you live in Canada, you MUST use this link to sign up for your FREE $5 bonus.
UPDATE: Take a quick look at my newer screenshot below!
Ebates actually had a special on Feb 14 (four days after my original order) where I was able to get 14% cash back on almost every online purchase. Since the item didn’t ship yet, I made a quick refund and repurchased the item again.
And look at how much I got back in free money — an additional $140.40 in free money! So, instead of getting $105.30, I got back $245.70 for one of my online transactions! Ebates seriously rocks!!!
5. Get free money right now by reading e-mails
With MyPoints, you can earn free gift cards or free PayPal cash just by watching videos, taking surveys, shopping online, reading e-mails and more. I like to use this free resource to redeem an occasional gift card or free money towards any of my extra spending.
MyPoints has paid out their members $236,000,000!
🌟 Sign up for MyPoints here for FREE and get a $5 bonus immediately when you take 5 surveys! 💵
⭐️ Important: Don’t forget to verify the email from MyPoints in your inbox so that you can redeem your bonus!
Related post: The Best Places to Get FREE Gift Cards!
6. Let this free money app help you out
Trim is a FREE money and budgeting assistant that may be able to help you save money by negotiating some of your monthly bills FOR YOU (e.g. cable, Internet, cell, bank fees, subscriptions, etc.)!
That means you don’t have to do any work for this free assistant to help you find ways to put money back into your pockets!
This clever robot can also help you cancel subscriptions that you don’t use. On top of that, he can auto-fight fees with your bank and help you keep track of your spending too!
Trim is safe to use and has helped its users save over $8,000,000!
🌟 You can sign up for Trim here for FREE so you can keep more of your money!
7. Use Drop and say hello to free money!
My fiancé and I use the Drop app to rack up cash rewards on our everyday purchases.
This app is 100% FREE to use and requires absolutely NO effort to collect points at the places you regularly shop at.
The one thing I really love about Drop is their points can be COMBINED with other rewards, promos, cash back programs, and coupons! So YES, you can STACK UP your Drop points with Ebates and other credit card rewards!
To start earning FREE money with Drop, all you have to do is:
1) Link your debit and/or credit cards (this is how you passively earn points) — rest assured that Drop uses industry-leading security to ensure that your data is always safe. Your bank login credentials are never stored on Drop’s servers.
2) Choose the top 5 places you shop at. If you live in the U.S., you have more options which include Amazon, Target, Starbucks, Uber, Dunkin’ Donuts, and more! Check out your options here (both U.S. and Canada)!
I live in Canada, so I personally chose Starbucks, Chipotle, Walmart, Shoppers, and McDonald’s as my top 5. If you were wondering, they also have Tim Horton’s!
3) Redeem your Drop points for FREE gift cards!
My referral code is applicable to both the U.S. and Canada!
Related post: To learn more, read my honest review and tutorial on how Drop works. If you like the idea of passive money, then I’m sure you’re going to enjoy this app as much as I do!
8. Government incentives for energy-saving resources
Depending on where you live, the government offers many incentives and rewards (FREE money back) just for going green.
Not only are you saving money on your home’s energy, but you’re getting reimbursed as well!
For example, my fiance and I installed this cool and sleek looking thermostat for FREE after applying to one of our government programs. So, you may want to check your country and state/province to see whether you’re qualified for any of these incentives.
Bonus tip: did you know that you can get paid to save energy at home?
My whole family uses this free app called OhmConnect to get FREE money.
You can get a FREE $10 bonus just for signing up through my special link. PLUS, get an additional FREE $10 when you connect to any smart device like the thermostat I mentioned above.
🌟 That’s a total of FREE $20 just for signing up! After that, you can get paid $100 to $300 each year just for saving energy at home.
It’s fast and easy to get started, so I don’t see why you would want to leave free money on the table!
9. Get free money from scholarships and bursaries
POTENTIAL SAVINGS: $1,000 TO $5,000
If you follow me and my blog, you’ll know that I’ve mentioned a few times that I grew up in a low-income family.
Before applying for University many years ago, I dug my head into many different sources to see where I could get financial aid from the school and government.
And thank goodness I applied for scholarships and bursaries because, without it, I would’ve carried an additional $10,000+ in student debt (and let’s not forget the interest payments as well)!
Having that said, I highly recommend you to check whether you’re eligible to apply for scholarships and bursaries. According to this source, $2.9 billion in federal grant money went unclaimed!
Plus, there’s nothing to lose by filling out an application form.
10. Tax credit and deductions (a huge winner)
POTENTIAL SAVINGS: UP TO $12,000 (VARIES BY YOUR INCOME)
If you’re a recent grad, you have a hidden stash of cash!
I know, tuition sucks and it’s not easy to pay off your student loans. However, you can use your tuition to offset your annual income and lower your tax bill.
When my fiance and I graduated from University, we used our education deductions to save $30,000 (combined) in income taxes!
On top of tuition deductions, there are many more tax credits and deductions provided by IRS, which you can read more about here.
This is stuff you seriously don’t want to miss out on because the wins are big!
11. Improve your credit score and save thousands!
POTENTIAL SAVINGS: UP TO $1,000 PER YEAR (VARIES ON CREDIT SCORE AND IF YOU CARRY A MORTGAGE)
Here’s another HUGE winner!
You can actually save thousands of dollars just by having an excellent credit score. That’s why it’s important to make an effort to improve your credit score. The higher your score, the less interest you pay!
To build up our credit score, my fiance and I made sure we paid back all of our credit card balances IN FULL each month.
We also made sure that we paid all of our other bills on time (e.g. Internet, cell phone, insurance, student loans, etc.). As long as you are not overspending with your credit cards and paying your bills on time, you will be fine!
To get a good understanding of how important your credit score is to your financial health, read this article, How a Good Credit Score Can Save You $83,770.
🌟 As a start, you can check your credit score for FREE at Credit Sesame (U.S.).
🌟 If you live in Canada, I recommend checking your credit score for FREE at Borrowell.
It’s crucial to know where you stand so that you can improve your score and save thousands of dollars in the long-run.
Related post: 50 Best Ways To Save Money Every Day (Without Depriving Yourself)!
12. Get free money from your company
TOTAL PERKS: UP TO $15,000 PER YEAR (VARIES BY COMPANY. SEE BELOW.)
Be aware of the free money and incentives your company offers!
There are a lot of people who miss out on free money by not taking advantage of their company benefits.
It’s pretty easy to miss because many people don’t really think about them. They just don’t realize how much money they can save and earn over the years just by paying attention to them.
You may want to review your offer letter or directly contact your company’s HR to see what you’re leaving on the table!
Here are several free resources you may be missing out on…
A. Employee Ownership Program (EOP)
POTENTIAL SAVINGS: UP TO $2,000 PER YEAR (VARIES BY COMPANY)
If your company matches a percentage of your contributions in the company stock, why not take advantage of free money to accumulate wealth?
For example, my company matches 50% of my investment in our company’s stock.
I know a lot of my coworkers who get overly excited about free food and coupons, but they let their stock ownership plan slide! From a rational perspective, it just doesn’t make any sense because they’re essentially ditching free money which exceeds the value of free food and coupons!
Word of caution: it’s not a good idea to invest all or most of your money in your company’s stock. Avoid putting all your eggs into one basket by finding ways to diversify your investments!
I personally sold more than half of my company shares and re-invested them in other ETF index funds for better diversification.
Related post: ETF Investing For Dummies
B. 401K Company Match (Pension Matching Plan)
POTENTIAL SAVINGS: UP TO $2,000 PER YEAR (VARIES BY COMPANY)
Similar to EOP, many companies will match your contributions, typically 3% of your salary, towards your retirement program (401K in the U.S., RRSP in Canada).
Again, why not take advantage of this free money to build up your net worth faster?
I know so many people who opt out because they feel that their paychecks are getting deducted, but this is the easiest way to invest without feeling the pinch!
For example, if the company matches 100% of your contributions, you’re pretty much getting a guaranteed 100% return on your investment, PLUS any gains from the fund it’s invested in.
You can’t beat this return elsewhere!!
So, for every $200 you invest (or contribute), your company gives you $200 for free! That’s a total of $400 in your account invested in the markets!
In the end, it is YOUR money! But be sure you know your vesting period.
C. Wellness and Health Benefit Program
POTENTIAL SAVINGS: UP TO $1,000 PER YEAR (VARIES BY COMPANY)
If your company offers to compensate you for sports equipment such as workout clothes, running shoes, roller-blades, fitbits, bikes, treadmills (I personally LOVE and use this one at home), gym memberships, etc. you should take advantage of this.
You’d be surprised how much money you save especially when you’re buying quality products. I saved money by purchasing my favorite Nike shorts (like these ones in grey) which I use for exercising.
Not to mention, if you’re casually dressed on the weekend, you won’t have to spend a lot of money on your clothes either. With that said, it’s worth taking a look to see whether your company offers this.
PRO TIP: Never leave FREE money on the table! Always use Ebates before you shop for anything because you can get FREE cash back! I personally use them to passively earn $300 to $500 per year just by buying stuff I normally shop for.
🌟 Sign up here for your FREE $10 bonus after making your first $25 purchase through Ebates.
If you live in Canada, you MUST use this link to sign up for your FREE $5 bonus.
D. Medical Benefits
POTENTIAL SAVINGS: UP TO $500 PER YEAR (VARIES BY COMPANY)
This includes prescriptions, drugs, dental services, eye exams, eye-glasses, contact lenses, sunglasses, sunscreen (I use this one every day), massages, etc.
Again, all of these add up and many people don’t pay attention to them and let their benefits expire.
I actually let some of those benefits and perks slide during my first couple years at work because I didn’t put much thought into them.
Don’t make that same mistake! Now that I think back, losing out on thousands of dollars hurts… A LOT!
E. Free Education
POTENTIAL SAVINGS: UP TO $10,000 PER YEAR (VARIES BY COMPANY)
If you’re interested in pursuing higher education, some companies will pay for your education and any additional courses to develop your skills for your work. They even offer leadership courses which are great for those who want to advance in their careers.
I personally got compensated for taking advantage of these programs such as the Chartered Financial Analyst (CFA) program and other financial industry education, which helped me advance in my career before I recently decided to quit my job for this blog.
That’s more than a few thousand dollars saved when you take advantage of these perks! Plus, the potential to increase your salary! 🙂
13. Birthday Freebies
Is your birthday coming soon?
Did you know that you can redeem these birthday freebies here? It’s up to $150 value for FREE, so you probably don’t want to miss out!
This includes companies that give out free samples.
What an awesome way to save money on your special day! 🙂
Download my FREE portable PDF here for the best places to get free stuff on your birthday! I think you’ll really enjoy this freebie! 😉
14. Use credit cards to your advantage
POTENTIAL SAVINGS: UP TO $800 PER YEAR (VARIES BY CREDIT CARD AND YOUR OVERALL SPENDING)
One of our favorite ways to get free money back is using credit cards that reward us with cash back.
My personal favorite credit card is the Capital One exclusive to Costco members ($0 in annual fee) because we get:
– 3% cash back on restaurant purchases (this includes most fast food, dine-in, takeout, includes Starbucks, etc.)
– 2% on gas purchases
– up to 1% cash back on all other purchases.
If you follow my blog, you’ll know that I mentioned how much my dad thinks “saving money” is waste of time (he’s not really into that stuff).
He even pokes fun at me for using credit cards to get free cash and rewards, but when I show him our checks just from our credit cards, which range from $300 to $500 per year, he would say: “Not bad… that can actually go towards a vacation fund”.
What would you do with an extra $300 to $500? 😀
However, I would never recommend this approach to those who can’t control their spending or those who have trouble paying off their credit card debts.
If you’re responsible with credit cards, then you may as well take advantage of credit cards that offer rewards, cash back, and other perks!
15. Get free money via loyalty programs and rewards
Despite focusing most of my efforts in making extra money fast and investing money, I still enjoy reaping the benefits of FREE STUFF with loyalty programs.
Until today, I still use the following rewards to claim free money or free stuff:
I have to confess that I kinda have a Starbucks addiction. Each time I go there to work on this blog, I love to order their specialty drinks. Since I’m already going to spend my money there, I take advantage of the Starbucks Rewards to save money.
To reduce my spending further, I also like to use Swagbucks to redeem their gift cards for FREE. These are all FREE to sign up, plus you get a free drink on your birthday. 😉
You can also check out the hacks I use to get free Starbucks drinks here.
Whether I’m shopping at Walmart, Best Buy, Lowe’s, or Amazon, I always remember to use Ebates to get FREE cash back. I honestly can’t stop talking about them because it’s one of the best ways to get FREE money back on all your purchases. You may as well since it’s on the way! Plus, you can use them ON TOP of discounts and store promotions!
Read here for more details on how to use the program (FREE sign up PLUS FREE $10 bonus). No gimmicks at all! 🙂
McDonald’s McCafé Rewards:
Each time my fiance buys a medium coffee (which costs less than $2), he loves to collect 7 stickers to redeem his 1 FREE deluxe drink at McDonald’s (a value of $4 to $5). The best part is when McDonald’s offers FREE coffee or $1 coffee, you still get that sticker! 🙂
Many people don’t know that you can redeem a specialty or deluxe drink for free. Most think that you just get a free medium-sized coffee, but this is not true.
So, the next time you present your 7 stickers, you can always ask for something like a peppermint mocha or latte. You can check here for more details.
There are many more loyalty and rewards programs out there — you can check out this post to find the best birthday freebies.
Make money today with no money!
This section is perfect for you if you catch yourself saying, “I need money today but I’m unemployed” or “I need money desperately and urgently”.
If you follow my blog, you will know that I’m all about making money and saving money.
Below are some of my favorite sites and resources that may help you! The best part is that they’re all FREE to join and use!
Related posts on how to make extra money:
– Make Money Online With The Best Survey Sites (Earn Up To $50 Per Survey)
My favorite resources to earn free gift cards (absolutely free money):
Survey Junkie: I personally use this free resource to earn extra cash by answering simple surveys online. This may help you save money or pay for some of your groceries for the month because you can redeem cash or FREE gift cards (your choice). They are rated 8.7/10 which is one of the highest on TrustPilot reviews.
🌟 You can sign up for Survey Junkie for FREE here and start earning FREE money and FREE gift cards immediately! 💵
Don’t miss out on this post: The Best Places to Get FREE Gift Cards (Amazon, Apple, Starbucks, and more)!
Swagbucks allows you to earn cash and FREE gift cards (my favorite ones are Amazon and Starbucks) just by surfing the web, watching some funny cat videos, shopping, playing games, doing simple surveys, and doing other online activities. My fiance and I have redeemed many $50 to $100 Starbucks gift cards which helped us save money by making our spending a little more affordable! Swagbucks has helped their members save $316,412,584 to date!
👉 Sign up to receive your FREE $5 bonus from Swagbucks here and start putting cash back into your wallet!
⭐️ Important: To claim your FREE $5 bonus, don’t forget to verify the email from Swagbucks in your inbox!
Over to you — it’s time for you to get free money now! Did you find this post helpful? What are your favorite ways to get free money?
Enjoyed this post? Don’t forget to share it and follow me on Pinterest! 🙂