In order to turn my beer money into positive gains, I treat it as found money and invest it. I have other investments as well, but with found beer money I invest on Prosper.
Prosper is a marketplace for personal debt. It is not predatory. I invest mostly in low-risk individual loans – i.e. people who can afford to borrow easily, and a few people who are down on their luck who need a loan to consolidate debt and get a structured way to exit debt (hopefully forever).
Currently my investments are returning over 10% annually.
Currently I reinvest all gains into my portfolio.
This last month I’ve earned $7.77 in interest against $0.57 in fees.