Special Report

28 Smart Ways to Make Extra Money

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26. Use cash-back credit cards

If you have good credit, you can get a zero-fee cash-back credit card. These work by giving you back a percentage of any amount you charge — typically between 1% and 2%, though some cards offer as much as 5% or 6%. The amount you earn usually gets applied to your bill. If you have a 2% card and spend $100, you’ll owe $98. That may not seem like much, but you can let your credit accumulate to the point where it might make a difference one month. Some cards will also allow you to request a payout by check or direct deposit, or let you redeem your credit for a gift card.

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27. Find missing funds

People sometimes have money they don’t know about. Old bank accounts, uncollected refunds, and other unclaimed funds might be waiting for you to discover them. You can find information on HUD/FHA mortgage interest refunds, credit union unclaimed shares, etc. on various government sites. MissingMoney.com and several similar sites are also useful resources.

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28. Sell your photos through a stock house

Unless you’re a widely published photographer, it isn’t easy to make a significant amount of money selling your images to a stock agency, but it’s possible. Agencies to consider include Shutterstock, Adobe Stock, Dreamstime, and iStock. But you’ll need high-quality photos in subject areas that are in demand (this tends to change over time), and a lot of them. One photographer who brings in about $500 a month has 6,000 images online. In addition to accumulating the photos, consider the time it takes to upload them.