Waiting for the doctor.

Waiting for the subway.

Waiting for your Starbucks coffee.

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One study suggests that on average, our waiting times add up to 62 minutes a day!

So, how do you use this time?

I take surveys, complete trial offers, participate in bank bonuses, you name it.

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One of these little offers I just completed was fromBetterment.com.

Enough small talk.Here are some waysto earn extra cash, without all of the social stuff.

What is Betterment.com?

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How to Get a Free $25 From Betterment… Open a free account atBetterment.com.

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Get Paid $225/Month While Watching Movie Previews

3.)

How easy is that?

Good luck Penny Hoarders!

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…