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The ad popped up between two videos: “Get paid $50 per survey. Join free today!” It sounds like the perfect thing to do on the couch after the kids are in bed. Sometimes it’s a real site with a bad ad. Sometimes it’s a trap built to collect your information or your money.

Real survey sites exist. They pay small amounts, usually in points you cash out after hitting a...


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Maybe last January, the credit card bill showed up with a balance that took until spring to pay off. Nobody went wild. It was a little extra here, a teacher gift there, a last-minute trip to the store for wrapping paper and a second pie. It added up quietly.

This year, give yourself one evening in October. That’s enough time to pick a number, split it across the pay...


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Your neighbor got a box of new dish soap to try last month. Then a blender. Then a three-week skin care test. You signed up for the same kind of panels around the same time and have mostly gotten surveys.

It’s usually not luck. It’s matching.

Brands that send out products are looking for specific people: a parent of toddlers, someone with a gas stove, a ru...


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Three bills sit on the kitchen counter: a furniture loan, a personal loan and a credit card statement with a balance that never seems to move. You’ve found an extra $200 a month to put toward them. Now you have to decide where that $200 goes first.

There are two popular answers. The snowball method says pay off the smallest balance first. The avalanche method says g...


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