PENNY CALLING PENNY RECOMMENDS

We are here to be your ultimate rescue if you want to save thousands of dollars easily. Go through our series of recommendations to save money so you won’t ever have to fret looking at your budget.

Disclaimer: Penny Calling Penny is an affiliate website. This means that we get a small commission when you click some of the links in this article. Don’t worry – we’ll never recommend anything we wouldn’t use ourselves.

Stash

Stash is a personal finance app that can help anyone improve their financial life. From budgeting to saving for retirement, Stash features banking, investing, and advice, all in one app. They've helped millions of Americans reach their financial goals–all for one low monthly price.

Fees- $1 - $9 per month

Account minimum- $0

Pros-

  • Both DIY and automated investing

  • Value-based investment offerings

  • Minimum investment requirement

Cons-

  • Smart Portfolios don’t offer tax-loss harvesting

  • No automated IRA management

  • High monthly fees for premium versions

Personal Capital

Personal Capital provides a comprehensive perspective of the user’s financial situation, from daily expenditures to portfolio performance tracking, giving users access to a clear picture of all assets and liabilities in a secure place, with tractable financial progress.

Overall Rating- 4.2/5 stars

Account Minimum- $100,000

Pros-

  • Best-in-class free tools for tracking your budget and investments
  • Bank-level protection
  • Availability of live financial advisors
  • The capability of trading specific stocks

 

Cons-

  • High fees compared to robo-advisors
  • The registration process can be difficult.

M1 Finance

M1 Finance is an investing tool that can help you invest a little to give you an early start. Every month this builds up to keep you secure.

Account Minimum- $100 ($500 minimum for retirement accounts)

Fee- 0%

Pros-

  • Extensive portfolio management customization options
  • Margin loans accessible at low interest rates with $5K investment
  • No fees for trading or account management

 

Cons-

  • No tax loss harvesting available
  • Advisors and financial planning not offered
  • Limited financial calculators, tools, and goal planning

Betterment

Betterment can help grow your money by making saving and investing easy. Invest in a tailored portfolio, set buckets for your goals, and earn rewards.

Fees- 0.25% management fee

Account minimum- $0

Pros-

  • Multiple portfolio options and customization

  • Fractional shares mean all your cash is invested

Cons-

  • Relatively high fees for professional advice

  • Emergency fund portfolio could be too risky

  • Very limited amount of investment options

Quicken

Quicken personal finance and money management software allows you to manage spending, create monthly budgets, track investments, plan retirement.

Overall Rating- 4.5/5 stars

Sign up and save up to 40%

Pros-

  • Making budgets and handling your finances made simple
  • Bills can be simply paid and managed in one location
  • If you have the PC edition of Quicken, you can gain even more benefits to manage your portfolios in addition to the detailed information it provides on your investments

Cons-

  • Quicken is intended for personal usage, therefore it might not be the greatest option for business owners
  • It could cost a little bit more than other software that is comparable

Acorns

Acorns is a fintech company that is best known as a micro-investing platform that allows users to set up automated investments into a portfolio through round-ups. Acorns rounds up a debit or credit card purchase made on a linked card to the nearest dollar and invests the change on behalf of the member.

Fees- $3 - $5 per month

Account minimum- $0

Pros-

  • Automatically invests spare change.

  • Cashback at select retailers.

  • Educational content available.

Cons-

  • High fee on small account balances.

  • Fee is on the high side, depending on your total balance

  • No tax-loss harvesting or access to human advisors

Hi! We have listed down some of our top recommended money-making brands and services that are tried and tested by us. These proved to be very impactful and we’d like you to benefit from them as well. You can make a generous amount of money with our suggested list of penny makers.

Disclaimer: Penny Calling Penny is an affiliate website. This means that we get a small commission when you click some of the links in this article. Don’t worry – we’ll never recommend anything we wouldn’t use ourselves.

Swagbucks

Swagbucks is one of the biggest names in the survey game. They’ve been around since 2008, and they do a little bit of everything. You can take surveys one day and watch videos the next. Bring Swagbucks along on your shopping trip for coupons or install their browser extension if online shopping is more your speed.

App Rating- 4.2/5 Stars

Active Users- ~20 million

Pros-

  • You can join Swagbucks without spending anything; it’s free.
  • There are seven different ways to earn points, which convert into cash.
  • The website and apps are clean and simple to access and use.
  • You are earning passive income without making drastic changes to your current lifestyle, browsing and shopping habits.

Cons-

  • Earning Swagbucks is not an instant answer to loading up your bank account with cash. It takes time to earn enough points to see a lot of cash.
  • The mystery of search engine points can be something of a bother for those that like to see everything laid out straight.

 

Survey Junkie

Survey Junkie is perfect for people who don’t want to be overwhelmed. When you sign onto their app, you’ll see a clean, simple list of surveys to choose from.

App Rating- 4.5/5 Stars

Active Users- ~10 million

Pros-

  • Quick money with minimal effort
  • Money just for signing up

Cons-

  • The best surveys can be time consuming
  • Some people aren’t comfortable sharing their information
  • Can’t replace a full-time income

My Points

My Points has been well-loved for more than 20 years, and it’s easy to see why. They have great offers on surveys, videos, and coupons, and their claim to fame is the “Shop In-Store” feature.

App Rating- 4.2/5 Stars

Compensation Plan- 1,750 points = $10

Pros-

  • Multiple payout methods
  • Easy to use website and mobile app

Cons-

  • Limited customer support
  • Survey options may be limited

Inbox Dollars

Inbox Dollars is a slow burn: initially, it can take a while to get to the minimum $30 cash out. Once you’ve cashed out for the first time, you become a “Gold member.” “Gold members” get all kinds of perks, including double rewards and exclusive offers.

App Rating- 4.3/5 Stars

Active Users- ~10 million

Pros-

  • Has regular surveys and video options
  • No points system, each survey is measured in real currency
  • Sign-up and referral bonuses

Cons-

  • Surveys are usually worth only $0.25, and there’s a $30 cashout minimum
  • Generally, surveys don’t always pay the same amount, some pay more and some pay less
  • Surveys that pay $2-4 are usually very involved, taking 30 minutes or more

 

Ibotta

Ibotta is a free cashback rewards website and mobile app that gives you real cash for everyday purchases when you shop. Ibotta provides thousands of ways for consumers to earn cash on their purchases by partnering with more than 2,700 brands and retailers.

App Rating- 4.8/5 stars

Active Users- 6 million

Pros-

  • Cashback at all major retailers for everyday purchases
  • $5 sign-up bonus
  • Has a browser extension that can choose offers automatically

Cons-

  • You have to choose offers before you go shopping
  • Some offers are brand-specific
  • When shopping from your phone, you have to shop through the Ibotta app to get rewards

The Zebra

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Save- Save up to $670 a year by optimizing discounts

Speed- Compare dozens of quotes side-by-side in just 90 seconds.

Pros-

  • You don’t have to submit a phone number (which can lead to numerous unwanted calls). The Zebra also states that it won’t sell your information to third parties.
  • The Zebra is partnered with top insurers like Liberty Mutual, Travelers, Farmers, State Farm, and American Family.

Cons-

  • Not all of the companies on your final quote page will display prices. This means you may be stuck filling out additional forms to get the quotes you want.
  • To get quotes for auto insurance from The Zebra, you must enter your email. So even though you won’t receive phone calls, you may receive emails after your quote that can clog up your inbox.

Lemonade

Lemonade coverage is very affordable. They offer policies starting as low as $25 per month. These policies can be bought online through the company's app or website. In addition to this, a portion of customer premiums that don’t go towards paying out claims is donated to charitable causes.

Lemonade’s Giveback program donates excess premiums annually to a charity chosen by policyholders

Pros-

  • Quick quotes available through website or app
  • Some claims are paid out immediately after filing.

Cons-

  • Not available in all states.
  • Receives far more than the expected number of consumer complaints for a company of its size.

Bestow

Bestow is ready to help you get fast and affordable term life insurance. The best part is that you can get nearly instant coverage as soon as you apply.

Simple online application

High eligibility age

Pros-

  • Quick coverage 
  • No medical exam required 
  • Available in most states 
  • Few complaints

Cons-

  • No riders can be added to your policy 
  • Not available for people over 60 
  • Not as many options

Policygenius

Policygenius is the online insurance marketplace combining cutting-edge technology with the expertise of real licensed agents to help people get the coverage they need to protect their family, property, and finances with confidence.

Policy options- 4.5/5 Stars

Policy cost- 5/5 Stars

Pros-

  • Easy to get and compare quotes
  • Multiple policy types are available
  • Tailored recommendations

Cons-

  • Not all insurance providers are included
  • Medical exam required in almost all cases
  • Some partners have low customer satisfaction scores

You can choose the best loan-providing services with the assistance of Penny Lenders. In addition to this, we have chosen some of the top financial institutions with exceptional interest rates that can assist you in building your life as you want. 

Disclaimer: Penny Calling Penny is an affiliate website. This means that we get a small commission when you click some of the links in this article. Don’t worry – we’ll never recommend anything we wouldn’t use ourselves.

Upstart

Upstart offers personal loans with a minimum of $1,000. Rates can be a little higher, though, because the minimum credit score is much lower than you might see with other lenders. Upstart also uses artificial intelligence, claiming it allows them to 27% more borrowers than when using a traditional model.

APR- 5.42-35.99%

Loan amount- $1,000-$50,000

Min. credit score- None

Pros-

  • Accessible to borrowers with low credit scores
  • Soft credit check for prequalification
  • Choose a payment date that works for you

Cons-

  • Origination fee of up to 8%
  • You can only get loan terms of three or five years
  • No co-signer

AmOne

AmOne allows potential borrowers to be linked to a lender that offers exactly what they’re looking for in an online loan matching service. In short, this platform brings lenders to your door without you having to waste time searching.

APR- 2.49-35.99%

Loan amount- $2,000-$50,000

Min. credit score- None

Pros-

  • Personal and small business loans
  • No credit score check
  • Range of loan terms
  • Free to use
  • Quick and easy application process

 

Cons-

  • Doesn’t provide enough information
  • Lenders tend to call customers

Credible

Credible is an online student loan marketplace that connects you with the right lender and helps you get the best student loan rates.

Zero Impact on Your Credit Score

Easy to apply

Pros-

  • Compare multiple lender offers at the same time.

  • See if you’ll qualify and what rate you’ll get without a hard credit check.

Cons-

  • Borrowers need to research individual lenders before applying.

  • No rate discount for applying via Credible.

Accredited Debt Relief

Accredited Debt Relief is a debt resolution service. They help individuals across the U.S. by creating personalized debt relief programs that work.

The company has an A+ rating from the BBB.

Min. Debt Settled $10,000

Pros-

  • Can reduce enrolled debt balances by up to 50%

  • Pay nothing until after enrolled debt is settled

Cons-

  • Program fees can range from 15% to 25% of the enrolled balance

  • Participation is likely to damage your credit temporarily

Lexington Law

Lexington Law Firm offers credit repair services. They work with clients to help repair their credit.

Setup fee- $89-$129

Monthly fee- $90-$130

Pros-

  • Years of experience in the field 

  • One-on-one counseling 

Cons-

  • No guarantee of success 

  • No service guarantee or refund policy

CreditRepair.com

CreditRepair.com focuses on improving members' poor credit and offers several helpful customer resources such as an online dashboard and mobile app.

Setup fee- $49.95

Monthly cost- $99

Pros-

  • Multiple service tiers

  • Discount for friends and family

  • Includes identity theft insurance

Cons-

  • Pending litigation with the Consumer Financial Protection Bureau

  • No service guarantee

  • Pricing unavailable without providing personal information

Turbo Debt

Turbo Debt offers debt relief info in order to help you take control of your finances and work towards a debt-free life.

By choosing TurboDebt, you could become debt-free in as little as 12 to 48 months.

Pros-

  • Top-notch collection results within 60-90 days.

  • A 100% contingency fee basis.

  • Experienced, compassionate collectors.

Cons-

  • There is no guarantee of debt recovery. 

  • It creates reliance on outside agencies.

We are here to be your ultimate rescue if you want to save thousands of dollars easily. Go through our series of recommendations to save money so you won’t ever have to fret looking at your budget.

Disclaimer: Penny Calling Penny is an affiliate website. This means that we get a small commission when you click some of the links in this article. Don’t worry – we’ll never recommend anything we wouldn’t use ourselves.

Stash

Stash is a personal finance app that can help anyone improve their financial life. From budgeting to saving for retirement, Stash features banking, investing, and advice, all in one app. They've helped millions of Americans reach their financial goals–all for one low monthly price.

Fees- $1 - $9 per month

Account minimum- $0

Pros-

  • Both DIY and automated investing

  • Value-based investment offerings

  • Minimum investment requirement

Cons-

  • Smart Portfolios don’t offer tax-loss harvesting

  • No automated IRA management

  • High monthly fees for premium versions

Personal Capital

Personal Capital provides a comprehensive perspective of the user’s financial situation, from daily expenditures to portfolio performance tracking, giving users access to a clear picture of all assets and liabilities in a secure place, with tractable financial progress.

Overall Rating- 4.2/5 stars

Account Minimum- $100,000

Pros-

  • Best-in-class free tools for tracking your budget and investments
  • Bank-level protection
  • Availability of live financial advisors
  • The capability of trading specific stocks

 

Cons-

  • High fees compared to robo-advisors
  • The registration process can be difficult.

M1 Finance

M1 Finance is an investing tool that can help you invest a little to give you an early start. Every month this builds up to keep you secure.

Account Minimum- $100 ($500 minimum for retirement accounts)

Fee- 0%

Pros-

  • Extensive portfolio management customization options
  • Margin loans accessible at low interest rates with $5K investment
  • No fees for trading or account management

 

Cons-

  • No tax loss harvesting available
  • Advisors and financial planning not offered
  • Limited financial calculators, tools, and goal planning

Betterment

Betterment can help grow your money by making saving and investing easy. Invest in a tailored portfolio, set buckets for your goals, and earn rewards.

Fees- 0.25% management fee

Account minimum- $0

Pros-

  • Multiple portfolio options and customization

  • Fractional shares mean all your cash is invested

Cons-

  • Relatively high fees for professional advice

  • Emergency fund portfolio could be too risky

  • Very limited amount of investment options

Quicken

Quicken personal finance and money management software allows you to manage spending, create monthly budgets, track investments, plan retirement.

Overall Rating- 4.5/5 stars

Sign up and save up to 40%

Pros-

  • Making budgets and handling your finances made simple
  • Bills can be simply paid and managed in one location
  • If you have the PC edition of Quicken, you can gain even more benefits to manage your portfolios in addition to the detailed information it provides on your investments

Cons-

  • Quicken is intended for personal usage, therefore it might not be the greatest option for business owners
  • It could cost a little bit more than other software that is comparable

Acorns

Acorns is a fintech company that is best known as a micro-investing platform that allows users to set up automated investments into a portfolio through round-ups. Acorns rounds up a debit or credit card purchase made on a linked card to the nearest dollar and invests the change on behalf of the member.

Fees- $3 - $5 per month

Account minimum- $0

Pros-

  • Automatically invests spare change.

  • Cashback at select retailers.

  • Educational content available.

Cons-

  • High fee on small account balances.

  • Fee is on the high side, depending on your total balance

  • No tax-loss harvesting or access to human advisors

Hi! We have listed down some of our top recommended money-making brands and services that are tried and tested by us. These proved to be very impactful and we’d like you to benefit from them as well. You can make a generous amount of money with our suggested list of penny makers.

Disclaimer: Penny Calling Penny is an affiliate website. This means that we get a small commission when you click some of the links in this article. Don’t worry – we’ll never recommend anything we wouldn’t use ourselves.

Swagbucks

Swagbucks is one of the biggest names in the survey game. They’ve been around since 2008, and they do a little bit of everything. You can take surveys one day and watch videos the next. Bring Swagbucks along on your shopping trip for coupons or install their browser extension if online shopping is more your speed.

App Rating- 4.2/5 Stars

Active Users- ~20 million

Pros-

  • You can join Swagbucks without spending anything; it’s free.
  • There are seven different ways to earn points, which convert into cash.
  • The website and apps are clean and simple to access and use.
  • You are earning passive income without making drastic changes to your current lifestyle, browsing and shopping habits.

Cons-

  • Earning Swagbucks is not an instant answer to loading up your bank account with cash. It takes time to earn enough points to see a lot of cash.
  • The mystery of search engine points can be something of a bother for those that like to see everything laid out straight.

 

Survey Junkie

Survey Junkie is perfect for people who don’t want to be overwhelmed. When you sign onto their app, you’ll see a clean, simple list of surveys to choose from.

App Rating- 4.5/5 Stars

Active Users- ~10 million

Pros-

  • Quick money with minimal effort
  • Money just for signing up

Cons-

  • The best surveys can be time consuming
  • Some people aren’t comfortable sharing their information
  • Can’t replace a full-time income

My Points

My Points has been well-loved for more than 20 years, and it’s easy to see why. They have great offers on surveys, videos, and coupons, and their claim to fame is the “Shop In-Store” feature.

App Rating- 4.2/5 Stars

Compensation Plan- 1,750 points = $10

Pros-

  • Multiple payout methods
  • Easy to use website and mobile app

Cons-

  • Limited customer support
  • Survey options may be limited

Inbox Dollars

Inbox Dollars is a slow burn: initially, it can take a while to get to the minimum $30 cash out. Once you’ve cashed out for the first time, you become a “Gold member.” “Gold members” get all kinds of perks, including double rewards and exclusive offers.

App Rating- 4.3/5 Stars

Active Users- ~10 million

Pros-

  • Has regular surveys and video options
  • No points system, each survey is measured in real currency
  • Sign-up and referral bonuses

Cons-

  • Surveys are usually worth only $0.25, and there’s a $30 cashout minimum
  • Generally, surveys don’t always pay the same amount, some pay more and some pay less
  • Surveys that pay $2-4 are usually very involved, taking 30 minutes or more

 

Ibotta

Ibotta is a free cashback rewards website and mobile app that gives you real cash for everyday purchases when you shop. Ibotta provides thousands of ways for consumers to earn cash on their purchases by partnering with more than 2,700 brands and retailers.

App Rating- 4.8/5 stars

Active Users- 6 million

Pros-

  • Cashback at all major retailers for everyday purchases
  • $5 sign-up bonus
  • Has a browser extension that can choose offers automatically

Cons-

  • You have to choose offers before you go shopping
  • Some offers are brand-specific
  • When shopping from your phone, you have to shop through the Ibotta app to get rewards

The Zebra

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Save- Save up to $670 a year by optimizing discounts

Speed- Compare dozens of quotes side-by-side in just 90 seconds.

Pros-

  • You don’t have to submit a phone number (which can lead to numerous unwanted calls). The Zebra also states that it won’t sell your information to third parties.
  • The Zebra is partnered with top insurers like Liberty Mutual, Travelers, Farmers, State Farm, and American Family.

Cons-

  • Not all of the companies on your final quote page will display prices. This means you may be stuck filling out additional forms to get the quotes you want.
  • To get quotes for auto insurance from The Zebra, you must enter your email. So even though you won’t receive phone calls, you may receive emails after your quote that can clog up your inbox.

Lemonade

Lemonade coverage is very affordable. They offer policies starting as low as $25 per month. These policies can be bought online through the company's app or website. In addition to this, a portion of customer premiums that don’t go towards paying out claims is donated to charitable causes.

Lemonade’s Giveback program donates excess premiums annually to a charity chosen by policyholders

Pros-

  • Quick quotes available through website or app
  • Some claims are paid out immediately after filing.

Cons-

  • Not available in all states.
  • Receives far more than the expected number of consumer complaints for a company of its size.

Bestow

Bestow is ready to help you get fast and affordable term life insurance. The best part is that you can get nearly instant coverage as soon as you apply.

Simple online application

High eligibility age

Pros-

  • Quick coverage 
  • No medical exam required 
  • Available in most states 
  • Few complaints

Cons-

  • No riders can be added to your policy 
  • Not available for people over 60 
  • Not as many options

Policygenius

Policygenius is the online insurance marketplace combining cutting-edge technology with the expertise of real licensed agents to help people get the coverage they need to protect their family, property, and finances with confidence.

Policy options- 4.5/5 Stars

Policy cost- 5/5 Stars

Pros-

  • Easy to get and compare quotes
  • Multiple policy types are available
  • Tailored recommendations

Cons-

  • Not all insurance providers are included
  • Medical exam required in almost all cases
  • Some partners have low customer satisfaction scores

You can choose the best loan-providing services with the assistance of Penny Lenders. In addition to this, we have chosen some of the top financial institutions with exceptional interest rates that can assist you in building your life as you want. 

Disclaimer: Penny Calling Penny is an affiliate website. This means that we get a small commission when you click some of the links in this article. Don’t worry – we’ll never recommend anything we wouldn’t use ourselves.

Upstart

Upstart offers personal loans with a minimum of $1,000. Rates can be a little higher, though, because the minimum credit score is much lower than you might see with other lenders. Upstart also uses artificial intelligence, claiming it allows them to 27% more borrowers than when using a traditional model.

APR- 5.42-35.99%

Loan amount- $1,000-$50,000

Min. credit score- None

Pros-

  • Accessible to borrowers with low credit scores
  • Soft credit check for prequalification
  • Choose a payment date that works for you

Cons-

  • Origination fee of up to 8%
  • You can only get loan terms of three or five years
  • No co-signer

AmOne

AmOne allows potential borrowers to be linked to a lender that offers exactly what they’re looking for in an online loan matching service. In short, this platform brings lenders to your door without you having to waste time searching.

APR- 2.49-35.99%

Loan amount- $2,000-$50,000

Min. credit score- None

Pros-

  • Personal and small business loans
  • No credit score check
  • Range of loan terms
  • Free to use
  • Quick and easy application process

 

Cons-

  • Doesn’t provide enough information
  • Lenders tend to call customers

Credible

Credible is an online student loan marketplace that connects you with the right lender and helps you get the best student loan rates.

Zero Impact on Your Credit Score

Easy to apply

Pros-

  • Compare multiple lender offers at the same time.

  • See if you’ll qualify and what rate you’ll get without a hard credit check.

Cons-

  • Borrowers need to research individual lenders before applying.

  • No rate discount for applying via Credible.

Accredited Debt Relief

Accredited Debt Relief is a debt resolution service. They help individuals across the U.S. by creating personalized debt relief programs that work.

The company has an A+ rating from the BBB.

Min. Debt Settled $10,000

Pros-

  • Can reduce enrolled debt balances by up to 50%

  • Pay nothing until after enrolled debt is settled

Cons-

  • Program fees can range from 15% to 25% of the enrolled balance

  • Participation is likely to damage your credit temporarily

Lexington Law

Lexington Law Firm offers credit repair services. They work with clients to help repair their credit.

Setup fee- $89-$129

Monthly fee- $90-$130

Pros-

  • Years of experience in the field 

  • One-on-one counseling 

Cons-

  • No guarantee of success 

  • No service guarantee or refund policy

CreditRepair.com

CreditRepair.com focuses on improving members' poor credit and offers several helpful customer resources such as an online dashboard and mobile app.

Setup fee- $49.95

Monthly cost- $99

Pros-

  • Multiple service tiers

  • Discount for friends and family

  • Includes identity theft insurance

Cons-

  • Pending litigation with the Consumer Financial Protection Bureau

  • No service guarantee

  • Pricing unavailable without providing personal information

Turbo Debt

Turbo Debt offers debt relief info in order to help you take control of your finances and work towards a debt-free life.

By choosing TurboDebt, you could become debt-free in as little as 12 to 48 months.

Pros-

  • Top-notch collection results within 60-90 days.

  • A 100% contingency fee basis.

  • Experienced, compassionate collectors.

Cons-

  • There is no guarantee of debt recovery. 

  • It creates reliance on outside agencies.