Balancing everything as a mom can feel like a juggling act. Finding time to make extra money as a busy mom might seem impossible between kids, housework, and everything in between. But what if there were easy, flexible ways to do just that — without adding to your stress? Here are four options to help you earn extra cash from home, even with a packed schedule.

1. Cool Mom Rewards: Earn Unlimited Gift Cards 

Cool Mom Rewards (CMR) is a site that connects you with fun ways to earn gift cards, including playing games, participating in research surveys, and shopping in-store for your favorite grocery-based items. You will make extra money—real money—and fast.

• How it works: You can play games, participate in surveys, or shop in-store based on the offers presented to you.
• What you earn: Some offers pay up to $225 each, and plenty of offers are available. Completing several can earn you $1,000 or more, fast and easy.
• Time commitment: Many tasks only take a few minutes, making it a great option if you need something flexible.

Pro tip: Focus on higher-paying offers first to hit that $1,000 goal faster.

2. Survey Junkie: Make Extra Money for Sharing Your Opinion

When you have a few minutes to spare, Survey Junkie pays you cash for completing surveys on various topics, from shopping habits to product preferences.

• How it works: Sign up, complete surveys, and earn points.
• What you earn: Points can be redeemed for cash or gift cards. You can add $40 to $50 monthly to your budget.
• Why it’s worth it: No upfront costs or significant time commitments, just quick surveys you can knock out during your unwind/free time.

Pro Tip: Set a goal for how many surveys you want to complete per week, and use that extra cash for small expenses or to add to your savings.

3. Credit Karma: Free Credit Scores and Financial Insights

Managing your finances can be much easier when you know exactly where you stand. Credit Karma offers free access to your credit scores and reports, along with personalized tips to help you improve your financial health.

• You get: Free credit scores from TransUnion® and Equifax®, plus regular updates.
• Why it’s useful: Credit Karma recommends loans, credit cards, or other financial products based on your credit profile. This can help you find better deals and potentially save on interest.
• Extra benefit: You can even check your Approval Odds before applying for credit, giving you a better idea of your chances without hurting your score.

Pro Tip: Checking your credit report regularly helps you catch any errors or fraud that could affect your score.

4. Acorns: Invest Your Spare Change Automatically

Investing doesn’t have to be complicated; with Acorns, you can start building an investment portfolio without thinking about it. 

• How it works: Link your card to Acorns, and every time you make a purchase, it rounds up the amount and invests the spare change in a diversified portfolio.

• Cost: Personal accounts charge a $3 flat fee per month, which includes everything from investment tracking to bonus savings.
• Deal: Set up recurring deposits and receive a $20 bonus investment direct from Acorns!
• Why it’s effective: Acorns makes it easy to start investing, even if you don’t invest large amounts upfront.

Pro Tip: This is an excellent option if you want to start investing gradually without needing hands-on management.

Looking to find a better way to budget? We’ve rounded up the top 10, according to Apple Editors.

Ready to Start Earning and Saving?

These four options can help you make extra money or take control of your finances — all without a huge time commitment. Whether you want to unwind by playing games with Cool Mom Rewards or invest on autopilot with Acorns, there’s something here to fit your lifestyle.

If you’re ready to get started, check out the links below:

• Cool Mom Rewards: Earn Unlimited Gift Cards
• Survey Junkie: Get Paid for Sharing Your Opinion
• Credit Karma: Free Credit Scores and Financial Insights
• Acorns: Invest Your Spare Change Automatically

Find the right option for your schedule and start seeing results today.

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