You won’t get face value for your unused gift cards, but if you have a card you’d never use, you could trade it in for cash on cardpool.

Another option is to sell your unwanted gift card to a friend, online. You can throw up an announcement on Facebook and see if anyone wants to pay you for the card. You might find people are going to shop at that store anyway, so it’s a win/win.

37. Refinance Your Loans

Getting better interest rates on your debt can ease the burden on your monthly budget and create more free cash every month. If you own your home, consider a home equity line of credit that lets you tap your home’s equity as needed.

Interest rates for home loans are currently the cheapest they’ve ever been. If you have equity in your home, consider refinancing and pulling cash out. This could lower your monthly payment, get you cash in hand, and save you interest in the long term over the life of your loan. Triple win!

If you have multiple credit cards with outstanding balances, you could consolidate several credit card accounts into one credit card. Make sure the new card has a lower interest rate and accepts balance transfers.

There are plenty of credit card offers that will actually give you a 0% introductory rate for transferring a balance over. Be sure to read all the terms and conditions before signing up.

38. Bank Account Bonuses

Signing up for new bank promotions can earn you some serious cash. The best thing is there are no credit checks or impact on your credit score.

Most banks will pay you a bonus of close to $400 to sign up for a new checking account and make some qualifying direct deposits from your payroll. It usually takes 60-90 days, but afterward, you get a cold hard cash credit right to your bank account.Continue reading→