7 Money-Making Apps to Download Right Now

Coming up with a down payment for your first home is no easy task. In fact, according to a recent study from HotPads, renters spend about six and a half years saving up before they have enough. (I personally predict I’ll be eligible for AARP before I could build up a nest egg hefty enough to become a homeowner.)

Finding clever ways to cut back and save everywhere you can is helpful, but at a certain point, you may realize that you simply need to rake in more dough. Short of getting a surprise promotion, negotiating a raise, or planning a Met Ball heist with seven of your smartest friends (please don’t do that!), is there anything you can do to pad your bank account?

Yes! Enter the “side hustle.” Unfortunately when it comes to saving for a big goal like a down payment, nine to five alone might not cut it. But these days, getting a side gig can be as easy as downloading an app on your phone.

If you’re strategic about your side hustle, it can be a great way to stash away extra cash for a down payment to make your homeownership dream a reality.

Before you dive in, take stock of a few things, says Emily Boothroyd, a Certified Financial Planner and private wealth advisor at Price Financial Group in Wilton, Connecticut. First, make sure that your side gig will not interfere with your main job, the one that you’ll likely depend on for the bulk of your housing payments. She also advises you consider any potential risks associated costs with your side gig (i.e. upping your auto insurance to drive for a ridesharing app) so you don’t spend more than you save.

Another factor to keep in mind? Make sure your extra earnings can be documented on a mortgage application, since your total income can affect the amount of the loan you’re approved for.

“Lenders look to a borrower’s last two months’ bank statements and any inconsistent or large deposits would need to be explained,” says Richard Barenblatt, mortgage specialist at GuardHill Financial Corp. in New York City.

Once you’ve got all that covered, it’s time to start hustling. Here are seven app-based side gigs that will get you one step closer to securing a down payment:

Has going all-in on the KonMari method left you with tons of clothes that no longer spark joy? As they say, one person’s trash is another’s treasure, so before you chuck your closet’s contents, see if they’re sellable on Poshmark.

The app allows you to quickly upload a photo of a clothing item, write a brief description, and set the price. Once you make a sale, you can print out a pre-paid, pre-addressed label. You can either drop it off at a USPS mailbox or arrange for home pickup. Withdraw your earnings from the app at any time via direct deposit or request a check.

Poshmark has a strong social media presence, so it pays if you know your way around Instagram. You’re encouraged to meet up with other users in person, and there are also virtual “parties” in which you can browse, buy, and list together with your other Poshmark friends.

Whether it’s waiting for concert tickets, a sporting event, or the latest Apple launch, you can make money by waiting in line for someone who’s willing to pay for your time via the InLine4You app.

“Hoppers” offer an ask price for a set number of hours for a “spotter” (i.e. you, the wait-er) to wait for them. As the spotter, you can either accept or decline the offer (the average price is about $25 an hour.) Queue up your favorite podcast, and prepare to profit while simply waiting around.

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If you’re known for always snapping that perfect Instagram-worthy shot, you can make money off your skills via Foap. Both professional and amateur photographers can sell their smartphone photos (both iOS and Android) to brands and marketing companies on the app. Each photo can fetch up to $60, the profit of which is split 50/50 between you and Foap.

You can also join Missions, which ask photographers to take certain types of photos. If your photos are picked for a Mission, you can earn between $100 and $2,500!

Driving for a rideshare company is not the only way to make money off of your car. You can also rent out your vehicle through Turo. To set your car’s rental price, the company analyzes a number of factors, including market value, location, and time of year. Don’t worry: They tack on insurance, so you’re covered up to $1 million in liability insurance, as well as protected against theft and physical damage.

You earn 65 percent to 85 percent of the price charged to the borrower, depending on how much insurance protection you want, and you’re paid via direct deposit. Check out the “Carculator” to see how much your car could rent for.

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If you’re looking for something super low-lift, why not check out the Money App? As the name implies, it’s pretty straightforward. I’d say you don’t even have to lift a finger to get started, but you do have to download the app. After that, you can start earning rewards for completing a variety of tasks for market research, like taking surveys, playing games, and watching videos.

You redeem your rewards for cash through PayPal within two to three working days. Sounds pretty great for something you don’t even have to leave your couch for!

On the other hand, if you’re often out and about, download Field Agent. The app has users get photos, video, and other information, from stores around town. You may be asked to check the price on an item at a certain store, or snap a photo of a display, for example.

You can view and choose a task from the app, which must then be completed within two hours of claiming it. Jobs pay between about $1 and $12 each, and you can get your funds via direct deposit.

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If hanging out with dogs all day sounds more like a dream rather than actual work, you can profit off your love for pooches via Wag. As a walker with the service, you can earn an average of $12 for each 30-minute stroll with a pup. You connect with customers looking for dog walkers through the app, and get paid for completed walks once a week. Getting paid to get some exercise in the sunshine with dogs? Sign me up!

Need help stashing all that cash you’ve made? Here, 6 free apps that will help you save your money.