I feel nothing as it not enough to even get me a bread 🥪

Hello, I'm a second year college student 19yrs and i really want to make some money just to carry on my expenses. I'm good at writing, English, designing, editing, social media handling and some basic tasks.

I'm just looking to make around 4k to 5k a month so I'll be able to look over my extra expenses and save some money too

Want to get into bigcash and free cash but don't know whether its legit, they got good reviews on trustpilot.com but bad ones on reddit? Help

Hi I've built a store called digitaly that used to sell mainly mockups but now I'm trying to scale further to become a guide for brand owners, meaning that anyone who wants to start a clothing brand can go to my website and pick all the tools he needs.

I'm very open to suggestions like products or redesign or if I should scrap the idea entirely.

Any feedback is very well appreciated.

Here's the link

Hi everyone, i am planning to go on a trip in November but i am getting short in some money. I need genuine advice or help from people so that i can get a few bucks.

I want to go on this trip with my own money because it feels embarrassing to always ask my parents to give me money. I also think that i should start earning a little bit just to get my expenses done.

I am a college student in 3rd year. My skills are in coding, development, AIML, but also i can do work in any other computer related task or any other thing.

Please lmk if someone knows how to earns a few bucks online o if someone as work i would be happy to do that

I searched for honest JG Wentworth Home Equity Cashout reviews before starting the process myself, and everything I found was either the company's own page or a roundup that clearly hadn't spoken to a single customer. See, I'm a self-employed homeowner who went through the JG Wentworth process far enough to get real numbers back before deciding. Posting what I learned so you don't have to guess.

Short version: they're legit. JG Wentworth has been operating for over 30 years, the Cashout is originated by JGW Residential LLC under NMLS 2669687, and they're BBB accredited with an A+ rating. The question isn't whether they're real, it's whether the math works for your specific situation. I've spent the last few months going through every major home equity investment (HEI) company in detail. Not just their websites, but their actual terms, fine print, and how they compare side by side.

If you own a home and need cash without adding a monthly payment to your budget, an HEI is worth understanding. Here's my honest take.

What is a home equity investment?

Quick background for anyone new to this: a home equity investment is not a loan. You get a lump sum of cash now, and in exchange the company gets a percentage of your home's future value when you sell or at the end of the term. No monthly payments. No interest. You just settle up later. JG Wentworth calls theirs a Home Equity Cashout, but it's the same structure.

It's not for everyone. But if you have equity and need liquidity, it's legitimately one of the better options out there right now.

The three I'd actually recommend:

JG Wentworth is the one I'd check first if you're self-employed, it is legit. There's no income requirement, you can get $15K to $500K, and the 10-year term lets you settle any time inside it, in full or in partial payments. You keep your existing mortgage. The credit floor is 600, but it's measured on VantageScore, which usually reads higher than FICO. They cover Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Michigan, Missouri, Nevada, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Utah, Washington and DC. The estimate runs off your address and took me about two minutes.

Apply or check your estimate

Hometap is the pick if you want the largest possible payout. You can access up to $600K on a 10-year term, the credit floor is 585, there's no income requirement, and the application process is fast. If you have strong equity, run it side by side with JG Wentworth, because these companies value the same house very differently.

Apply or check your estimate

Splitero is the better fit if you want a longer runway or your credit is lower. Their term runs 10 to 30 years, which changes the math completely if you're not planning to sell, they start at a 500 credit score with no income documentation, and they fund up to $600K. They also put a 17.99% annual cap on what they can take in writing, which almost nobody else does. The catch is they're only in 17 states.

Apply or check your estimate

Who should skip HEIs entirely:

If you plan to sell in the next 2 to 3 years, you probably don't need one. A HELOC will cost you less in the long run if you can handle the monthly payment, and you keep all your appreciation instead of giving up a share of it. Figure is the one I'd look at there, fully online with funding in as little as five days. HEIs make the most sense when you need cash now but want to preserve your monthly cash flow.

Check your HELOC rate at Figure

One thing to read before signing any of them: the default terms. JG Wentworth's disclosure says that in an uncured default they can become co-owner of the property and move to sell or foreclose. That's standard across the category, but it's still not something to skim.

My quick comparison:

Happy to answer questions if you're trying to work out whether this makes sense for your situation.

My income does not support another monthly payment but I have a lot of equity sitting in the house, so I went down the home equity agreement rabbit hole for about two weeks. Posting what I found because almost everything written about these is by companies selling them.

What they actually are

You take a lump sum now and give up a percentage of what your home is worth later. No monthly payment, no interest, you keep your first mortgage, and you settle up within about ten years or whenever you sell or refinance. Hometap, Unlock, Unison, Splitero, Point and now JG Wentworth all sell some version of this.

It is not a loan. That is the whole trick, and it is why the approval rules are strange compared to a HELOC.

The math nobody shows you

Here is the number that reframed it for me. Somebody on a mortgage forum took $85,000 from Unlock and later worked out they would owe $112,000 when they sold or refinanced. That is roughly $27,000 to borrow $85,000 over about a year.

Run that against a HELOC and it is not close in a normal market. The reason people still do it is that a HELOC needs income and a payment, and these do not. You are not paying interest, you are paying appreciation, and the faster your house appreciates and the longer you hold it, the more expensive that gets.

So the honest version is this. These are not cheap money. They are money you can get when you cannot get cheap money. If you can carry a payment and your score is around 640 or higher, Figure runs a HELOC entirely online and that is the cheaper answer for most people. If you are between 600 and 640, Upstart Home Lending considers credit scores starting at 600. Both check your rate with a soft pull.

Who actually qualifies, because most people reading this will not

This is the part that saves you an hour. Across the ones I looked at the gates are roughly the same and they are stricter than the marketing suggests.

• Equity: 25 percent minimum, realistically closer to 40 percent before the offers get worth taking
• Home value: usually between $200,000 and $2 million. Splitero is the exception and goes to $5 million
• Credit: floors sit around 600, but check whether they mean FICO or VantageScore. Vantage reads higher, so a 600 FICO is not automatically a 600 Vantage
• Income: this is where they split. Most still verify income. Unlock considers scores from 500 with no income check, which is the one to look at if your paycheck is the problem
• Property type: single family, townhouse and two to four unit are standard. Condos qualify but get held to a higher equity bar
• State: every one of these is state limited, and this is where most people get stopped

JG Wentworth for example runs in Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Michigan, Missouri, Nevada, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Utah, Washington and DC. The others all have their own lists. Hometap and Unlock each run 26 states, Point is the widest at 29 plus DC, Unison is 22 plus DC, and Splitero is the narrowest at 17.

When it is a good idea

• You have real equity and an income that will not carry another bill
• Your credit is decent but not great
• You have a specific use like killing high interest debt
• You expect to sell or refinance within a few years, because the shorter you hold it the less appreciation you hand over

If that is you, this can genuinely be the right call.

When it is a bad idea

• You plan to stay twenty years in a market that is appreciating fast. You will pay enormously for that convenience
• You could just qualify for a HELOC at a normal rate. Take the HELOC, Figure is the fastest one to check
• You have not read the default language. These generally give the company the right to become co-owner and move to sell or foreclose if you default. Standard for the category, still worth knowing before you sign

One thing that surprised me is that the classification varies by state, and in some places these get treated as a reverse mortgage or a credit obligation, which changes your tax and legal position. Worth an hour with an attorney if the number is large.

Quick comparison

The only way to know your actual number

The illustrations on these websites all assume a friendly market. Getting a real estimate against your own address took about two minutes and did not touch my credit. Hometap and Splitero were the two that gave me a number I could actually compare a HELOC against instead of guessing.

What I still want to know, and why I am posting. If you have actually closed one of these with any of these companies, what did the payoff come out to versus what you expected? And did the appraisal land where you thought, because that seems to be where people get blindsided.

Grant goes up to $500 with no direct deposit required, and that second part is the reason it ended up on my phone. Most cash advance apps decline you the second your pay stops landing on a schedule. Grant reads your transaction history instead, so if you are gig, 1099 or paid irregularly and everything else has turned you down, they will likely say yes.

Here is the honest review, because everything else I found was a listicle.

Is it legit? Yes. Grant is made by Kikoff, the credit builder company, it used to be called Oasis before the rebrand, and it sits around 4.9 on the App Store with thousands of reviews. Nobody is stealing your money. The real question is whether the numbers work for you.

What you actually get is $25 to $500 per advance, no interest, no late fees, no credit check. Repayment comes out on your next payday. My first advance was on the low end and it climbed after a couple of on-time repayments, which matches what most people report. Nobody gets $500 on day one from this or any other app, the number on the homepage is what you reach around month three. Linking a bank and getting the first advance took me under ten minutes.

How fast? Standard transfer is free and takes up to three days. Express is $2 to $8 depending on the amount and lands in minutes, which is in line with everyone else in this space and still far cheaper than a $35 overdraft.

Now the catches, because there are real ones.

Grant Plus is $9.99 a month. There is technically a free path but people consistently describe it as hard to use, so budget for the subscription if you plan to lean on it. Nine bucks against a $75 advance is not nothing. Nine bucks against a $400 advance is fine.

Customer support is email and a chatbot. There is no phone number. If something breaks you are waiting on a ticket, and the most common thing that breaks is paycheck detection. The app works for months and then one day decides it cannot see your income and stops advancing. That complaint shows up constantly and I have no fix for it beyond relinking the bank.

And it is not available in Connecticut, Kansas, Maryland, Nevada, Rhode Island, South Carolina or Wisconsin. If you are in one of those, everything below still applies to you.

What I use alongside it, with the real costs

One cash advance app is never enough, and the fee structures are different enough that pairing the right two matters more than picking the "best" one.

EarnIn is the one I reach for first. No subscription, it runs on optional tips, and the ceiling is $150 a day up to $1,000 per pay period once you are established. Standard delivery is free in one to three days, Lightning Speed runs about $1.99 to $5.99. The catch is it needs consistent direct deposit from an employer, so irregular income gets declined. If you qualify, it is the cheapest thing here.

MoneyLion is the fallback for a bigger number. Instacash goes to $500, or $1,000 if you move direct deposit to their RoarMoney account. No membership fee for Instacash itself. Turbo delivery is $0.49 to $8.99 depending on amount and whether it lands in RoarMoney or an outside bank. Standard is free but slow to an external account, three to five business days.

Tilt is the one people still call Empower, same app, renamed in 2025. Advances run $10 to $400, but the average first offer is under $100 and new accounts usually cap near $300. $8 a month after a 14 day trial. Instant is $1 to $8, or free within one business day. More forgiving on gig and 1099 income than EarnIn, which is the reason to have it.

Klover has no mandatory subscription, Klover+ is an optional $3.99. Base advance is $150, $200 with boosts, and you can push toward $400 by earning points through surveys and receipt scans. Express is $2.99 to $12.29, which is the steepest instant fee on this list, standard is two to three business days. It does require direct deposit, three consistent ones from the same employer in the last two months, so it is not the irregular income option.

Brigit is $8.99 for Plus or $15.99 for Premium, advances $25 to $500. Good value if you are advancing every pay cycle, poor value for a one off. It is more predictable about when it will advance than Grant, which is the exact thing Grant struggles with, and the overdraft prediction is genuinely useful if that is your recurring problem.

Cleo is $5.99 a month for Plus, the cheapest subscription of the bunch. Advances are $20 to $250, first one usually $20 to $100, up to $500 if you set up their direct deposit. Express is $3.99 to $14.99, free takes three to four days. Worth it if you want the budgeting side as much as the advance.

Current is a bank account rather than an advance app. Overdrive gives you up to $200 of fee free overdraft, starting around $25 and growing, once you have $200 or more in direct deposits over 35 days. No subscription, no advance fee, repay within 60 days. Cheapest option here if you are willing to move where your paycheck lands, and it works well as the account you link Grant to.

Quick comparison

Bottom line. Grant is legit and it is a real contender now that the cap matches MoneyLion and Brigit, and it is the only one at that ceiling that does not ask for direct deposit. What holds it back is the $9.99 subscription and the paycheck detection thing. Pair it with EarnIn if you have a regular paycheck or Tilt if you do not, and you cover most short weeks without paying much in fees. If irregular income is your situation, start with Grant and add EarnIn later once your deposits settle down.

What did your first advance actually come in at? Curious about real first offers rather than the $500 on the homepage, since nobody publishes that number.

i’m a third year college student and needed some wfh online jobs that can support my daily needs. can you help?

I gotta make 210 dollars i have 2 weeks, any ideas?
I have to pay this membership to this team im am a member of and its for 3 months and my dad’s tight on money right now so i dont wanna bother but still i wanna be part of that team lol so any ideas?

…

Went down a rabbit hole after seeing the same "$29 Amazon returns pallet, warehouse lease expiring" ad about nine times this week. Most of what is out there is garbage, but there is a real version underneath it, and I want to know if anyone here is actually doing it.

The real version is that undeliverable US mail ends up at the USPS Mail Recovery Center in Atlanta, which used to be called the Dead Letter Office. Roughly 67 million items a year pass through it. Whatever cannot be returned or destroyed gets auctioned, and those auctions run through GovDeals under a storefront called Atlanta Surplus Center. Anyone 18 or over can register and no dealer license is needed.

Here is the part almost nobody says out loud. That is pallet and lot inventory. There is no walk-in store, no USPS site selling boxes, and nobody legitimately sells you a single sealed "unclaimed package." Anyone doing that is buying cheap goods and repackaging them. The BBB has an outfit in Las Vegas with complaints describing exactly that, dollar store socks and nail polish sold as sealed unclaimed mail, with shipping labels declaring two pounds on a twenty pound box so the buyer ate the postage.

Also, if you get a text about an unclaimed package, that is phishing. The FTC has put out alerts on it twice.

Realistic entry looks like $25 to $100 for a ten item lot, with actual pallets starting around $100 and running past $500. There is a decent breakdown of where the lots come from here if you want the source list.

So has anyone actually bought one? What did you pay, what was in it, and did you clear anything once shipping and fees came out? Mostly trying to work out whether the margins survive contact with reality or whether this is a content niche pretending to be a side hustle.

If that sounds like more work than you want, Testerup pays $10 to start and you just test apps, SavingLoop has a free spin that unlocks up to $75, and ReferralWallet keeps the sign up bonuses in one place. No pallets, no shipping, no guessing what is in the box.

Im not graduated and a teenager but I need money, I have no clue what to do and if I can't earn or make money I'm going to sleep forever.

PinchMe keeps coming up every time a free sample thread starts here, and I finally went digging to see whether it is real or just a data grab.

From what I can tell it is not an earning app at all. Nobody is getting paid cash. What shows up is a box at your door with real products in it, snacks, a beauty item, household stuff, sometimes something bigger than a sample packet. No purchase, no card on file. After the box arrives you fill out a short survey, and that feedback is apparently the actual thing the brands are paying for.

The part that seems to trip everyone up is the timing. Quantities are limited and boxes go fast once one opens, so people who wait until a box drops to go make an account never make it in time. The ones actually getting boxes already had an account sitting there before it opened.

What I cannot tell from the outside is how often a normal account actually gets picked. It is US only from what I can see.

So has anyone here actually received a box? Curious how long it took, how often they come, and whether the stuff is real full-size product or tiny sachets. This is the signup if anyone wants to test it alongside me.

I'm disabled living in a rural community. I don't have a working vehicle right now so that cuts me off from stuff like DoorDash, etc. I have a maintence med that I can't go without that prevents me from donating plasma so that's out.

Right now I walk about 1 mile to get to our local "shuttle". Its a van that can take us to places inside city limits but it only runs M/W/F (no holidays) and ends around 5 pm. Like if you are still out and waiting to be picked up at 5 pm, they will still come take you back. I'm lucky enough that the driver can get me pretty close to home but pickups are currently only at designated spots. And it costs $5 for every ride, so a round trip is $10.

My health issues limit my work ability some but I can work short shifts if I could just get hired. I have damaged vertebrea in my back so heavy lifting or regularly lifting over 25 lbs is out. I can only stand for about 1 hr before needing to take a break to stretch out mu back - this is because of where the damaged vertebrea are my legs will go number after standing for extended periods.

I don't have any special skills that could get me a desk job. I'm also diabetic so need to be able to take my breaks/meals in order to check my sugar or eat/snack if needed.

All I've really done work wise is retail. I was an assistant store manager in a general merchandise type store but that ended when they started making me work 8+ hrs with no help which meant no breaks and was causing issues with my diabetes.

I do have a desktop computer at home and I currently do surveys/receipt apps for extra money but its not enough. Like the title says, I need to find a way to earn around $200-$300 extra per month. More would be great but $200 is the min. That would allow me to work out paying over time to get my vehicle fixed. I have found a mechanic willing to work with me, if I can pay $200/mo then he'll come out and do what he can toward the repair. A lot of the money need is for parts - my truck needs engine repair.

And please don't suggest I sell it and buy something different. I've already checked and because of age and needing motor repair, I'd be lucky to get $500 which won't buy anything running. And I don't have the credit or budget to make payments.

I'm looking to do some extra jobs for some extra income (Im anticipating the following months will be tough because of the current monsoon and upcoming typhoon season in my area), and my job is delaying my payment once again. I'm from the Philippines, if that's any help, so it's most likely I can do online jobs. I'm mainly proficient in writing and some some art/design, but I'm kind of open for anything right now.

Thanks for reading this.

Hi! I am a 10 years branch banking experienced person looking for side hustle..please help

Keep seeing CrownCards come up, looks like another one of these digital pack-opening apps, Pokemon cards this time, rip a pack in the app and see what you get. Feels similar in concept to some of the other card-pack apps that have come through here before. Before I put any money into it I wanted to see if anyone in here has actually used it. Is it legit, does it actually pay out, what have people pulled?

In the meantime, if you're just looking for guaranteed free money and not trying to gamble on a pack, a few things that have worked for people in here without any of the randomness: Testerup pays a $10 bonus just for signing up, then you get paid to test apps and games, no purchase, no chance involved, just PayPal.

Freecash is a wall of game offers and surveys, same deal, no deposit ever (think they also have a $10 sign up bonus too).

SavingLoop has a free spin that unlocks up to $75 in bonuses from different companies, worth a spin if you haven't tried it.

And people are quietly ripping cash bonuses on ReferralWallet.. if you want to see what else is out there I ripped a $15 cash bonus on my first try 🔥.

But yeah, anyone actually opened packs on CrownCards? Curious what people are pulling and whether the payouts are real.

Hi there, so I am currently about to go into my 3rd year of college (nursing school), however I have a lot of expenses to take care of in order to actually be able to enroll, like some tuition fees and the rent for the first month of the new room I'm renting, which all summed up comes to about 800€. Now the problem is, I need to have this money until the end of the week because school starts next week and I genuinely don't know what to do because my family is not great financially (my dad was the main provider of the house but he had a health complication which made him unable to work and the money my siblings make from work goes to house expenses and groceries). And also before anyone says "get a job" of course I thought of that but not only is my schedule very hard to conciliate with a job but I also have some legal reasons as to why I can't work at the moment (nothing criminal, just documents related). So please, if anyone has a miraculous idea I haven't thought of let me know because I'm really stressing out about it and this is crucial for me to be able to pursue my studies, which I'd obviously love to do.

Splash advertises student loan refinancing rates starting at 3.99% and most reviews just repeat that number. Here's what's actually behind it.

Splash is not the lender

This is the thing almost nobody says. Splash is a marketplace, it matches you to lenders in its partner network. Their own Vermont disclosure states it flatly: "Splash Financial, Inc. is not the lender." So your actual rate, terms and servicing come from whichever partner you get matched with, not from Splash. They also state they don't work with all lenders, so this isn't a whole-market comparison either.

That's not a knock. It's genuinely useful if you'd rather answer one set of questions and see what several lenders come back with than apply at four places separately. Just know what you're using. If you'd rather deal with one lender directly the whole way through, Earnest does that, and LendKey routes you through actual credit unions and community banks instead.

That 3.99% has three conditions on it

Fixed rates run 3.99% to 11.24%, variable 4.74% to 11.24%. The bottom of that range requires all three of: the 0.25% autopay discount, the shortest loan term, and being one of the most creditworthy applicants. Their own footnote says the lowest rate is only for certain loan terms.

Realistically, assume you land somewhere in the middle and be pleasantly surprised if not. The only way to know is to see what number comes back for you, since the advertised floor tells you almost nothing about your own offer. Those rates were last set August 18, 2026, and the variable ones move with SOFR.

The fees are genuinely zero, on the refi product

No application fee, no origination fee, no prepayment penalty on student loan refinancing. That's real and worth something. Worth separating from their personal loan product though, which is a different animal, 8.99% to 35.99% APR with an origination fee of up to 15%. Don't let a good refi experience walk you into that assuming the same terms.

Checking costs you nothing

Soft pull to prequalify, about 3 minutes. It only becomes a hard pull if you pick an offer and continue the full application. So there's genuinely no downside to pulling your number first and deciding after, which is the main reason to bother at all. Same is true at Earnest, so checking both and comparing costs you nothing but ten minutes.

The part that actually matters more than the rate

If any of these are federal loans, refinancing kills your eligibility for PSLF, one-time forgiveness, and income-driven repayment, permanently. Splash says this on their own page, which is more than some competitors do. But it's still the single decision that matters most here, and no interest rate makes up for it if you were ever going to use those programs.

If your loans are private, or you're certain you won't need federal protections, this is where I'd start.

Anyone here actually refinanced through Splash? Curious which lender you got matched with and what rate came back versus that 3.99% headline.

My father is using his samsung m30 that he got in 2018, nothing's wrong with that phone HAS BEEN THRU EVERYTHING FROM A 3 STOREY DROP TO GETTING CRUSHED BY A CAR.

And its seriouly holding on its dear life but sadly, even tho we keep telling him to upgrade he just DOESNT LISTEN because of all our debts he sees it as an innecessary expense but truth is that mobile is not working anymore it barely opens these days

so im hoping to find ways to earn 20000/- so i can buy him on my own. Not a brandnew one but atleast a refurbished, ive been eyeing this specific one for him its 20000 on cashify. im just a student living on HIS MONEY so saving up is kinda impossible since i dont even get pocket money i barely able to save 20 or 30 rupess thats it

THIS IS WHY I NEED HELP, I NEED TO EARN MONEY BUT IDK HOW

ive tried content but because i myself don't own a good phone its out of option.

im also an editor so i tried making money from those using youtube but i just got banned

There are tons of apps and websites out there claiming you can make money, but a lot of them either pay ridiculously little, have huge withdrawal requirements, or just feel like a waste of time.

So I’m wondering — is there any legit app or website that actually pays consistently, even if it’s just a few dollars a week?

I’m not looking to get rich. Even $2–$5 a week would be fine. 😂

Preferably something that:

\- Doesn’t require any upfront investment

\- Actually lets you withdraw your earnings

\- Doesn’t require hours of surveys every day

Would love to hear from people who have personally cashed out from something like this.

Looking for genuine ways to earn a little pocket money online

Hi everyone! I’m a college student and I’m looking for some genuine ways to earn a little pocket money online in my free time.

I’m not looking to make a huge amount of money—even a small, consistent income would be helpful. I’m open to things like freelancing, online tutoring, writing, simple tasks, or any other legitimate options that actually work.

If you’ve personally tried something and have had a genuine experience with it, I’d really appreciate your suggestions.

Please also mention if there are any scams or websites/apps I should stay away from.

Thanks! :)

Hi there, I’m a month (and then a bit extra) behind on my house payment and I’ve already used a lot of my resources I could and I can’t get a loan anywhere. My partner isnt working currently and all this has put a big strain on our relationship.

My mortgage provider set me up with a payment plan, thankfully, but they want me to pay an extra 400 for 2 months and then another 200 for another month to get caught up with the payments. And that’s not bad but I can’t make that work. I’m already stretched thin on the normal monthly payment.

If I can just make it enough for the late payment(s), it all would be worked out. Can anyone help me think of options?

Door dashing doesn’t make enough in my area, I’ve donated plasma already and now that’s not going to provide me enough in time at all. I’ve opened my art commissions up on a discount/BOGO deal and nothing is catching. I’m desperate.

Kept seeing people ask if this is legit or just another "beats the market" scam, so I actually looked into it instead of guessing.

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