How to Get It: Customer service is the biggest work-at-home field, with companies including Spiegel, Hilton, Best Western, HSN, 1-800-FLOWERS and many others using at-home reps. Fill out an application with staffing companies such as Arise, Alpine Access, VIPdesk, LiveOps, and Convergys, all of which vet the companies who are hiring through them. If you need benefits, search through a staffing company that will hire you as an employee (Alpine Access, VIPdesk and Convergys do this) rather than an independent contractor. If you're a contractor, you may be asked to pay a small fee (between $15 and $35) for a background check. While a fee can be a sign of a scam, independent contractors are responsible for their own expenses.
If you want to help shape products in their early stages, joining an online focus group or answering survey questions is a great way to make extra money online. They don’t pay as much as some of the other options we’ve highlighted, but you can join groups on sites like Survey Junkie, Swagbucks, and IPSOS that pay out through Amazon gift cards, check, or PayPal. You’ll be asked to provide a bit of information about your demographics (age, location, etc…), but after that you can get going making money through surveys.
Outsourcing is the new and dominant wave of the business world. As businesses shed employees, they increasingly turn to independent contractors to supply what in-house staff used to do. One of the ways they do this is through virtual assistants. These are people who provide certain tasks online. Businesses can use virtual assistants as much or as little as they need to. If you can make yourself available to multiple businesses, you might have plenty of work without ever leaving your house.

Online savings accounts usually come with crazy good interest rates to help you grow your money faster (regular in-person banks can’t offer rates as high). We’re fans of CIT Bank and Discover Bank (among others) because their interest rates are often over 25 times the national average. That means the money in your savings account will grow 25 times faster than the pace it’s most likely growing at now. Really, though, you can’t go wrong with pretty much any online savings account that offers over 1.50% APY 🙂

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