There are lots of ways to make money in the world. Some require more work (and you earn more money). Some are easy (but you don’t earn as much). Below we offer over 20 ideas on how you can make money, both in the real world or online from home. Which ways are best for you? It depends on how far you’re willing to go, but all are legitimate. We’ve tried to loosely rank these money-making ideas based on a combination of ease and pay:

• Become a driver for Uber and/or Lyft — Take people where they want to go, using your own car. Earn money per ride plus (possibly) tips. Work when you have availability instead of on a set schedule. Easy to get started, but must have own car and a willingness to drive strangers in it.
• Do customer service from home – See our Best Work from Home Job Opportunities for info on how you can sit on the phone at home, making money from well-known companies like Amazon, Enterprise, American Express, and more.

No credit card reward is more flexible than cash. That’s why cash back credit cards are our favorite kind of credit card. We prefer a card that gives you a nice, generous flat rate on all of your purchases, and a number of cards exist that do just that — with a 2% cash back rate. However, some people like cards that give greater rewards for certain purchase categories. They’re willing to juggle multiple cards to always get the maximum, as much as 5% on some purchases. It’s more work than most of us want to do, but you might be an exception. Below we offer our picks for the best cash back cards on the market today, starting with flat-rate cards. All of these have no annual fee:

• Citi Double Cash – Get 2% cash back on all your purchases. You get a 1% rebate when you make the purchase, and get the other 1% when you pay it off. If you’re paying your balance in full each month (and you should), you’ll get the 2% right away; if not, you’ll still get 2% as long as you eventually pay off your purchases.
• PayPal Cashback MasterCard – Get 2% cash back on all purchases, but note that the 2% rebate is deposited into your PayPal account. It’s easy enough to transfer it out to your bank account if you’d like, but it does require an extra step.

If we were looking for an opportunity to work from home, these are the 15 opportunities we’d tackle first. All are legitimate stay-at-home work jobs, and this site does not receive any compensation if you choose to work with one of them. (See also: How To Make Money Without A “Regular” Job)

• Enterprise – The well-known car rental company often hires at-home customer service representatives and reservation agents who work with Enterprise customers by telephone.
• TTEC (TeleTech) – Offers work-at-home customer service opportunities. From their site: “As a TTEC@Home associate, you’ll use TeleTech’s proprietary technology to support and assist customers with a variety of customer service and technical needs. This could include helping customers over the phone, via chat, or on social media. Best of all, you can do it all while wearing your slippers or flip flops! (To get started, you’ll need internet access and a home phone.)”

By Adam Jusko, ProudMoney.com, adam@proudmoney.com

There is no reason for you to EVER pay to see your credit score. First off, there are plenty of ways to see your estimated score for free. Second, every lender uses a slightly different scoring system, so a paid score is no more valid than a score you got for free.

Remember, every credit score you see is only an estimate! All scores free or paid are going to put you in a similar range, so don’t stress out about where you got your score and whether you paid for it!

That said, here are some options to get a free credit score with no credit card required and without any hidden charges:

• Discover Credit Scorecard – Offers a free FICO credit score from the credit bureau Experian. You do not need to be a Discover credit card holder to use this, and there is no hidden charge or other string attached.
• Capital One CreditWise – You do not have to be a Capital One customer to get a free credit score using this service. This is a VantageScore credit score provided in partnership with the credit bureau TransUnion.

By ProudMoney.com Staff

This is the cut-to-the-chase list of our Top 10 credit cards (actually 17, oops), based on overall quality, which could mean any combination of rewards, low interest rates, or other features that we choose. Which is the best credit card? We’ll give you our #1 choice, but you’ll be proud to go into financial battle with any of the others, too:

#1 PayPal Cashback Mastercard – You get 2% cash back on every purchase with this card, which is accepted anywhere that takes Mastercard, both online and offline. Your cash rebates are deposited straight to your PayPal account (you’ll need to establish a PayPal account if you don’t already have one), where you can use that cash toward online purchases or have it moved to your bank account. No annual fee and a generous, easy-to-understand rebate formula puts this newer credit card right up at the top as the everyday cash-back choice in today’s market.

#2 Citi Double Cash Card – Citi unnecessarily complicates this offer, which fools some into not realizing how good it is. Bottom line: You get 2% cash back on all your purchases, provided you eventually pay them off. What that means: You get 1% cash back on the purchase as soon as you make it, then you get 1% cash back on your card balance payments. 1% + 1% = 2%. No annual fee.