Remember when you were able to go months without spending any money at all?

Me neither.

It seems like it was somewhere in my childhood, but…it’s been a while.

We spend money. All the time. That’s life.

Why not make money while we spend? It’s very possible and here are 11 ways to prove it…

Get Smart About Credit Cards

We all know about the credit card rewards out there.

You see the ads in the mail everyday…

“Earn up to 5% cash back on your purchases”

“We offer the highest cash back of any card”

The truth is that nobody offers the highest cash back on everything.

That’s why you need more than one credit card to get as much cash back as possible.

Let me go ahead and preface the rest of this article by saying two things about credit cards:

  1. If you use credit cards, pay them off fully every month
  2. There are other ways to make money when you spend

Now let’s get back on track…

Credit Card Rewards

Choosing the Right Card

It’s common for certain cards to offer a higher cash back for certain purchases.

The percentages will be different, depending on the category, such as:

  • Groceries
  • Gas
  • Specific stores
  • Home improvement

Find cards that match your normal purchases.

It’s important that I say “your normal purchases”. Don’t get caught in the trap of buying things you don’t need, or things you wouldn’t normally buy, just to get the cash back. That doesn’t make sense, unless you are a crazy person, but you’re not a crazy person, you are a money-savvy genius…or close to it, at least.

If you have a hard time remembering which card is which, just take a Sharpie and write “Gas” or “Groceries” on the card.

Sharpie Minion
Sharpies have lots of uses! Even if you’re a minion…BANANA!

Also, make sure you do your research to find the best cards.

I shop on all the time, so I have an Visa that earns 3% cashback on Amazon purchases. That’s my most used card.

You can simplify the process of finding the right card by using the Wallaby Financial App. It will tell you which card you should use.

If you have multiple rewards programs, you can keep track of them all with

Like I said earlier, there are other ways to make money while spending it. You don’t have to use credit cards. That’s only one way. Let me show you the rest…

Get Paid to Shop

There are a plethora of websites that offer rewards for shopping through them.

Basically you will buy everything you normally buy, but instead of going to the store or the website, you go to one of these sites first. You are then linked to whichever website you want to shop with.

For every dollar you spend, you earn a certain amount of cash back for shopping this way.

Then you can use your credit card to make the purchase and get rewarded twice!

Here are the other 10 ways to earn while you spend:

Get paid to shop online
  1. Swagbucks – Earn money for all kinds of things.
  2. Ebates – My favorite! Earn while you shop.
  3. Fat Wallet – Another great way to earn while you shop.
  4. Memo Link – Earn while you shop here too.
  5. My Points – A fourth way to earn while you shop.
  6. My Deals Club – Great coupons and coupon codes.
  7. Extrabux – Up to 30% cash back through them.
  8. Shop At Home – Cash back for online shopping.
  9. Big Crumbs – Yet another cash back shopping site.
  10. Mr. Rebates – One more cash back website for you.

Final Words

Maybe you were already taking advantage of these rewards. Maybe not. But hopefully now you will.

There are so many ways to earn while you spend, why not take advantage of them all?

Photo Credit: Peasap, Natloans, Veronica, Daniel