Blog Archives

Lvl 8: Top ProcrastiN8 Ways to Make Money with Your SmartPhone

9/28/2018

You can easily make money from your pocket, on the go, or sitting at home, with very little effort.

EARN MONEY FROM YOUR PHONE:

8. Take Pictures, post on social media & other Micro Jobs**

- Foap and EyeEm

take pictures and sell them on the market place

- Spare5 iOS only and Moo Cash

Do quick tasks, like snap photos or take surveys or post on social media

-TaskRabbit

local odd jobs

- GigWalk

local freelance and temporary positions

I didn’t mention this in the podcast but LetGo is a good app for selling useless junk around your house that someone else might want or need. It’s like Tidner but for products instead of dates.

7. Mystery Shopping & Product Testing

- Mobee

-Easy Shift

- Field Agent

-Acorn Hunt same company as Rewardable

-Rewardable code: NZERAMBI

6. Commute/Travel

- CheckPoints code: n8zerdude CHECK IN

must open app and click “check in”, not automatic

gift cards and PayPal rewards

- SweatCoin

rewards geared toward athletes

-LifeCoin

gift cards but minimum cash out is $50

-WinWalk

must manually collect coins daily

watch videos and take surveys for buns coins

fastest earning of all the walking apps

- Walgreen balance Rewards

manually log work outs and diet, earn Walgreen gift cards

-My Achievement (previously Achievemint)

requires FitBit

5. Download & Play Apps/Games

- Cash Pirate Code: AGMDNL

Download and try apps. Usually can un install right away, but it *may* be required to keep on phone for a few days. Don’t download suspicious looking apps

Cash Pirate is on iOS as [GiftPanda](https://www.giftpanda.mobi/)

App Nana, AppBounty, AppJoy

are similar to Cash Pirate

- [WHAFF code: AC69121

play games a few days in a row

-AppLike, FitPlay, AppFlame, CoinPop

Android Only Apps

the more time you spend “playing” the game, the more points you earn towards gift cards. Do not have to actively play the game and can just passively leave it on the charger, with no input.

Make sure your screen timeout is off

- Mistplay

requires active playing/clicking

decent game selection

- AppZone

sort of like AppLike, etc. but has a DAILY LIMIT to how many points you can earn per app.

Resets each day.

- Fruxweaver Apps

short slide puzzles, quizzes you cna play in quick “on the go” bursts and earn Amazon gift cards

-Lucktastic and Lucky Day code:GNDXYFD

daily scratch cardswww.luckydayapp.com/

- Very Dice code: 605813

(actively) watch videos to earn rolls or do one dialy spin, roll dice, earn prizes

-Qriket

4. Get Paid to Unlock Your Phone

*Please note: third party lock apps work ONLY for Android, as Apple does NOT allow this.

- Adme

-WHAFF Locker code: AC69121

-S’more code:3QHACJ

- SlideJoy

- Perk Screen

- BillsBoard

3. Watch Videos Phone Farming

- Perk code: 990af73b

- CashMagnet code: RXu7AA

-YooLotto TV

-Rewardable TV

- Checkpoints (bonus code: n8zerdude)

2. Polls & Surveys
- 1Q

each question is $1.

sporadically asks questions, though and kind of rare.

definitely worth your time!

- iPoll

- Quick Thoughts

- Kinit

easy questions

- Google Opinion Rewards

1. Data Sharing

- Cross Media Panel

apparently now it’s “Invite Only”. This was not a thing when I originally signed up.

They also mixed together Cross Media Panel with Google Opinion Rewards into one.

- AppOtix

$10 Amazon every 3 months completely passive

- Embee Mobile Performance Meter

amount varies based on where you live and what carrier you have ~$5 per month

optional surveys for “boosts”

- Panel App

very slow but free money

optional location based questions for bonus points

- McMoney

get paid to receive text messages in gibberish

not spammy, maybe a couple messages a day at most.

Telltale overworked their employees

As a bit of a disclaimer and in order to keep things transparent, some of the links provided are referral or affiliate links. You can use my referral code for bonus points to start.

Music
Kevin Macleod (various pieces)
Nokia Dubstep Remix by DJ Valerio Alessandro Sizzi

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Lvl 7: Top 5 Ways to Save Money as a Spendthrift

9/21/2018

Comments

Today we dive into how to save money while you're shopping. These are the Top 5 for our Lazy Lives.

5. CREDIT & DEBIT REWARDS

- easy automatic cash back and savings, just swipe or insert your card

- some banks do require you to redeem points

Debit Card Cash Back

Kasasa Bank Reward Checking

- up to 4% cash back, no fees

- at least 12 transactions

- sign up for online banking (paperless) statement

- login to dashboard

- max of $7 per month cash back rewards

- find your local bank or credit union

- requirements and reqrds vary by location

PayPal Debit MasterCard

- the DEBIT card, NOT the Reloadable one

- 1% cash back in your Paypal account

- no fees

Green Dot

-5% cash back up to $100 per year (spend $2,000)

Bank AmeriDeals

- grab offer up to 15% cash back

Credit Card Cash Back

- requires good credit

Citi Double Cash Back

- 1% instantly and 1% when you pay

Chase Freedom
- 1% cash back everything

- You get $150 bonus if you spend $500 using the card within the first 3 months after being approved. I get $100. You also get your own ref link and can earn up to $500 per year with referrals.

- cash back is UNLIMITED

4. RECEIPT REBATE APPS
- take pics of your receipts or find local deals

-quality pictures (good lighting, flat (no wrinkles)

-multiple if it’s too long

-must include store name, prices, and total. the full receipt basically

-upload it within 2 weeks

-no duplicates

Receipt Hog

- earn coins for uploading receipts

- win streak bonuses for each week you upload

- enter sweepstakes for big prizes or redeem for Visa, Amazon, or PayPal. Must fill out survey, verify device

-connect amazon adn e-mail to earn a one time bonus

- Level up by uploading receipts each week. Earn slot spins

- Slot spins to win a “daily trip” vacation or extra coins for rewards or sweepstakes entries
-no longer has referral system

Fetch Rewards (Ref Code: M7VEE)

- grocery receipts with certain brands (AI, Aunt Jemima, Aquafina, Brisk, Amp, Breyers, Bagel bites, Blue Moon, Boca, SPIKED Arnold Palmer)

- Redeen points for gift cards

(Groupon, Guitar Center, Best Buy, Dell, Panera bread, Applebee’s, Xbox, AMC, Facebook
Visa or Charity)

- “Plan” tab lets you make a shopping list. You can manually add items or look at recipe “inspiration” to add items to your list

- $2 sign up bonus plus $2 for each ref

TruNow Use Ref Code:D7KUF6

- find cheapest gas

-save 1% cash back all gas station and 2% at Turnow partners

-spin the wheel to win ($1, snacks, etc.)

Coin Out

- upload receipts

-coins are rewarded on RNG, not on amount spent

- ANY receipt works, even a cafeteria at a hotel or the strip club

SavingStar

-activate rebates

-add stores

- use loyalty number at check out or upload receipt

- you can add automatic saving stores by linking loyalty cards
- stacks

Ibotta (Ref Code: tblnauo)

- sometimes certain stores sometimes certain products, sometimes certain products in certain stores

- must earn $10 within a month to qualify for $10 welcome bonus

- refer 5 firends and geta $25 bonus plus a $50 “mystery bonus” (not sure if it’s a gift card, discount or what)

Receipt Pal

- rewards and rebates for receipts much like hog

- no more new users right now
- sign up for waiting list

3. AUTO CASH BACK APPS

- like credit/ rewards without needing a high credit score.

- does require you to link a bank/debit card though.

Drop (Ref Code: b3wv0)

• Power offers choose 5 popular stores where you'll earn cash back (automatically) at as soon as you shop at them (both online or in store).

• Walmart, Macy's, Dunkin Donuts, Target, Whole Foods, Walgreens, Starbucks, Uber, McDonalds, and my personal favorite, Chipotle

•about 20-30 stores you can pick from for your perm.

• a weekly limit of $5 in cash back (5,000 “drops”)

• start with $1 (1,00 drop points) using my referral

• Mobile offers (DraftKings, Groupon)

Spent

-very similar to Drop

- 1% cash back at all of the stores they offer, so you don't need to pick just your favorites.

Starbucks, Netflix, Walgreens, Uber, Costco, iTunes, ExxonMobil, 7-Eleven, McDonalds,Kroger, The Home Depot, Chick-Fil-A, Whole Foods, Shell

- PayPal cash outs.

- Manage transactions in the app.

- LOW Cash out minimum $0.01 w/ Gift Card Discount

-    HIGH $20 Minimum for PayPal cash out (at 1% cash back, it would take$2000 in spending to reach the $20 minimum cash out.)

- takes up to 30 days for approval of cash back

Dosh

- link card

- choose stores to add

- $5 for $5 ref sign up bonus

- most popular. The one “everybody” is using

Cash App by Square

• get a”cash” debit card

• withdraw to bank or Bitcoin

• BOOSTS - get discounts restaurants & coffee shops once every 2 hours (Panera, Shake Shack, Subway, Chick-fil-a, Chipotle)

• the cash back is instant, more like a discount. If the total is $5 and you save 10%, then you only need $4.50 in your account to make the purchase.

• you can switch boosts but only can do one at a time, one every 2 hrs

• you can link the card to Apple or Samsung Pay

• $5 sign up bonus and $5 per referral

Other Empyr apps:

Yelp Dining

Mogl

Coupons.com

only ONE Empyr app at a time.

As soon as you link up with another Empyr app, you'll be disqualified from another until you link back up.

You can switch the link between apps though or use different cards on different apps.

• temporarily link my card to that just for the transaction and then link back to another app.

• or stick with a favorite

Swagbucks Local

- cash back with linked card at local businesses & restaurants

Swagbucks Shop

- earn “Swagbucks" from shopping online like ebates

- redeem SB for gift cards or PayPal

- passive apps and games, surveys

- instant SB, faster cash out. Also fill up the Swaggo board

E-bates

-cash back certain stores

-constantly updating “featured stores with DOUBLE cash back

- bonus cash back in app (as opposed to site)

- referral: spend $25 and you get $10 cash back. You also get $25 for each ref that spends $25.

InboxDollar

- cash back and offers

-e-mail earns you 2 cent per open

Others...

[**CashCrate**](https://www.cashcrate.com/)

[**ExtraBux**](https://www.extrabux.com/)

2. ROBO NEGOTIATORS

• bots, software that automatically finds rebates and discounts you’re elligible for based on your purchases and bills you already pay.

Paribus

• will automatically track your shopping

• If an item you buy somewhere goes on sale shortly after or if there's any other discounts/promotions, they’ll get you a rebate

• they do take a cut of your savings. I believe it is 30% for all new users, but for each member you refer you can cut the cut by 5%.

Sift

• similar site to Paribus, and its key focus is on enforcing credit card benefits, but also monitors price drops

• does NOT stack price drop rebates w/ Pairibus

• For every purchase we let you know what benefits you are eligible for.

• link Amazon and e-mail

Trim

bill negotiations

    Submit Your Bill: Submit your most recent cell phone, cable or internet bill to get started.

    Trim Negotiates: Trim negotiates with your provider to get you discounts on your bill.

    You Save Money: Trim takes 25% of annualized savings, but only on success—otherwise, it's free!

• Text/e-mail alerts on account changes you set (deposits or withdraws of $xxx)

• $2 for you and $2 for me Amazon gift card referral

1. Discount & Coupon Apps

Groupon

- huge discounted items, tickets to events, and even vacations

- Concerts I’ve gone to off Groupon: Van Halen, Michael Jackson tribute (Who’s Bad), Sublime (With Rome) & The OffSpring,

- Events I've been to through Groupong: Philly Wing Festival, Philadelphia Renaissance Faire, Stratosphere Trampoline Park & Ninja Warrior course, Wizard World Comicon

- Products: Destiny for PS4, PS4 controllers

- combine with Ebates, Swagbucks Inbox dollars, etc.

- make a purchase within 7 days of signup and we both get $10

Living Social
-Groupon copy cat

- a lot of the same deals in Groupon, so if you hit max, you can buy more here.

- no ref program :(

Wish (Ref Code: MWGMBWY)

- cheap goods

-you get what you pay for

-slow shipping, cheap quality.

- good for frugal budget and patient people

- Up 50% off (random) when you sign up with my ref link. I get $2 and up to $20 per month with refs

**Google Search** “(whatever store you’re shopping at online) discount code.”

SHOUT OUT

Brandon Selby AKA PassiveTools

- met on Passive-Earner forums.

- my passive income brother

- always commenting, liking, sharing

Don't forget to relax,

Thank you ProcrastiN8r for reminding me to breathe.

For the past week, I've been somewhat happier.

Happy people, make happy tools.

It’s messages like this that encourages me to keep doing what I’m doing or not doing depending on how you look at it.

I’m glad some of you not only hear my voice and the crashing of the waves or whatever sound, but can see the Lazy Island, in your mind’s eye, and feel like you’re really here.

You can be here on Lazy Island.

I hope I can make you feel more relaxed, more lazy.

Happiness isn’t something you should have to work for

It is isn’t something that you have to grind for hours and make sacrifices for.

Happiness. It is something that should come naturally, with no effort at all

Happiness is easy to get. You just have to feel it and want it

Laziness, total relaxation and calmness in your mind is what you use to get there.

You can read more about the principles of L.A.Z.Y. mindset in my free e-book.

RANDOM EVENT:

We join Captain Lazy Bones on board the Slackin' Kraken ship as he shares the tale of his quest for the 5k Rum.

SING-A-LONG LAZY PIRATE SONG/SEA SHANTY:

Well we sail far across the sea

Nap on the dock daily

We lay out in the sun drinkin’ rum

Yarr! We be lazy

TEASER FOR NEXT WEEK:

- so you know how automatically put money into savings

- you know how to easily earn cash back

- what if you don’t have an extra money at all. you’re broke and certainly don’t have money to just spend wildly.

- well, we’re gonna go into some easy ways you can start making money right away from your computer or smartphone, without a 9-5 job, and without needing to start a whole business

Music: The Buccaneer's Haul by Shane Ivers - https://www.silvermansound.com
Captain Scurvy by Kevin MacLeod - http://incompetech.com

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Lvl 6: The Top Procrastin8 Apps to Easily and Automatically Put Money Towards Your Savings Goals & Keep an Accurate Budget

9/14/2018

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Budgeting and Saving Money can require a lot of work and effort, so do it the lazy way with these apps

Today on the show, we talk about how to save money wtihout really thinking about it.

Saving money is already is enoguh, because it's easier to just put money in a bank account than to go out shopping adn follow the latest trends.

But these apps put savings on autopilot or make it a lazy task to do.

(Crazy) Cat Lady Katherine comes on the show to share how to make Spider Man cat boots.

8. Rize

• Set a savings goal

• Automatically calculates how much you should save

• You can break down the savings amount (weekly, bi-weekly, or monthly)

7. Tip Yourself

• Whenever you do a certain behavior or do something that deserves a tip – just go into the app, hit a button and give yourself a monetary reward

• Completely manual. No automatic deposit

6. Qapital

• Integrates with IFTTT (If This Then That)

If I purchase from Arby’s

If I got to the gym

If I tweet about popcorn

...then save x amount of money

5. Chime

• Round up spare change

• Save percentage of pay check

• Get $50 for each friend who opens a Chime account and receives a payroll direct deposit of $200 or more within 45 days.

4. Bank of America Keep the Change
Like Acorns without fees.
Round up spare change
not a start up, but established brand

3. Mint
auto track budget
multiple accounts (savings, checking, investments

2. Goalsetter.co
focus on parents
“gift cards” that deposit directly into FDIC insured account
set goal, automatic transfers

1. DIGIT

Great starting point to learn how to budget/save. My favorite and not so favorite at the same time.

A text chat bot. No app download required.

Digit helped me realize that money can be saved and I didn't have to be completely broke.

Analyzes the how much and when of your spending behavior, income, and bill payments to automatically calculate and deposit small amounts in a savings account with interest.

But the monthly fee is way too high. All the other apps are free.

A minimum account balance of $3600 is required to BREAK EVEN with the fees at $3 per month or $36 per year (rounded up by some change). Most users I imagine have waaaay less than $3600 in their account. I mean let's be real about this.

It’s important to note that none of these other savings apps offer an interest rate at all though, so it might be worth it if you do have above t $3.6k in your app, but most of their customers are low income people trying to achieve financial goals and learn how to budget. That’s quite a large sum of change for someone of low income.

Charging a fee goes against their mission statement to help people “avoid hardships,” because let’s face it, any additional fee or expense in life when you’re at a certain socioeconomic level IS a hardship.

OTHERS/Runner ups....

Olivia

• iOS only

• Budget & Savings chat bot

Plum

• like Digit.co, a messenger bot but on Facebook

• UK only

• Anazyzes income and spending behavior to auto save

• Guaranteed no overdraft

• Free for savings and 1 euro per month for investing, like Acorns

Acorns

• Round up spare change to to nearest dollar

• $1 per month

• $12/year

• 0.25% of account so ver $5k

YNAB (You Need a Budget)

for full manual control over your budget with a clean user-friendly interface

Review ProcrastiN8r on Google Business

My "Quote-a-gram" created by SpacePiratePoetry

CREDIT:

Host & Production by Nate Zerambo

Includes Music by Kevin Macleod

Includes Voice Clip from Dave Jackson's Podcast Rodeo Show review of ProcrastiN8r, used with permission.

All other clips (sound effects, quotes, catchphrases, etc.)are either purchased and used royalty free or implemented under free use.

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Lvl 5: One Simple Step You Need to Take to Escape the Corporate World

9/7/2018

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We cover the one step you need to take in order to escape the corporate world 9-5 grind and move into a life of lazy leisure, as well as the attitude behind that action (or inaction, depending on how you look like it).

So what do you do? Just one simple step, really.

DO NOTHING.
• Don’t care about the consequences of your actions (or inactions).

• Be lazy but don't feel bad about it

• Typically you don’t completely relax and enjoy leisure because you’re still worrying about the things you HAVE to do.

• You don’t have to do anything other than exactly what you want to do, even if that is nothing • Embrace yourself in leisure.

• Look at work as an interruption to your lazy lifestyle rather than seeing procrastination as an interruption to your hard work.

• The “”standard” 40 hour work week no longer exists.

• Children are raised to be hardworking laborers that do things on someone’s else’s clock, not their own, then spend all their money they earn on consumption

• Billionaires are lazy

• Let’s say enough is enough and stop working. Stop consuming. And start living.

• Nothingness is freedom

Damien the Demon from the caverns of Lazy Island also shares his “Calm Concerns” about how he thinks it’s too early to start “Pumpkin Spice Season.”

FREE L.A.Z.Y. Minset E-book

Leave feedback for a chance to win a $5 Amazon Gift Card

Dave Jackson’s School of Podcasting

Dave Jackson’s Podcast Rodeo Review of ProcrastiN8r

Read more about “doing nothing” in the ProcrastiN8r blog

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Lvl 8: Top ProcrastiN8 Ways to Make Money with Your SmartPhone

Lvl 7: Top 5 Ways to Save Money as a Spendthrift

Lvl 6: The Top Procrastin8 Apps to Easily and Automatically Put Money Towards Your Savings Goals & Keep an Accurate Budget

Lvl 5: One Simple Step You Need to Take to Escape the Corporate World

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