First a quick note: some income streams will show zero earnings for the month of November. Some, like trades, were not performed in November. Others, like Betterment (internal link) and Aspiration report on a quarterly schedule, so while they are earning money, their results are only reported when the quarterly earnings reports are published.

This month, Steve’s reporting has been changed slightly. In order to save time, he averages his earnings over time with regard to Mobee, Easy Shift, and Field Agent because earnings through those programs are done only when he is shopping at or near the stores assigned through those programs. He has come to an average of 2 minutes per each dollar earned.

As a reminder, non-passive income is only reported here for income from up to two hours of work a day, as per our methodology.

Passive Income

Of the passive income streams which reported this month, rebates from loyalty programs dwarfed other sources. In fact, the second highest passive stream generated only ~15.5% of the income rebates did. This is likely due to increased shopping because of the holidays.

Though not all passive income sources reported this month (since many report on a quarterly schedule), as usual, the passive income streams well outperformed non-passive sources on an hourly earnings basis – see below.

Non-Passive Income

Non-passive, “GPT” earnings this month totaled $527.69, compared to total reported passive income of $354.69. However, while passive income took only 7 minutes to accumulate (this is due to SwagBucks and Perk requiring points to be redeemed), GPT income required almost 15.5 hours – see below for hourly earnings breakdowns.

Caviar continued its strong showing as a side-gig with high earnings in gross and hourly.

Hourly Rates Comparisons

While no contributor to Easy Beer Money earns money through online surveys, as a public service announcement we do monitor several of survey providers including Vindale, Swagbucks, TellWut and Pollbuzzer. According to their published estimates on the time it would take to complete the surveys, the hourly income rate from surveys would be $6.35. Comparatively it would take five hours to earn doing surveys what it would take to earn in one hour of Caviar deliveries. It would take nearly a day to earn what would have been earned by one hour performing studies on UserTesting.This month we have reported passive income from Acorns, loyalty program rebates, Perk, Prosper, Swagbucks and Ebates. Acorns returned $35.98, rebates $231.32, Perk $8.00, Prosper $35.78, Swagbucks $15.00, and Ebates $28.61. Total passive income came to $354.69, requiring seven minutes to earn for a comparative hourly earnings rate of $3040.20!

Non-passive or GPT income was reported from all GPT sources except User Interviews and Usability Hub. Including bonuses, Caviar returned $344.79. Focus groups brought in $100.00, Easy Shift $18.90, Field Agent $39.00, Mobee $5.00, UserTesting $10.00, and TryMyUI $10.00 for a total of $527.69.

The average hourly rate for GPT activities in total was a respectable $34.25. The average hourly earnings per GPT income source was $36.74. Of the individual sources, UserTesting had the best hourly rate at $129.03. Focus group earnings were $50.00 while Easy Shift, Mobee, Field Agent, and TryMyUI earned at a rate of $30.00 per hour. Caviar’s overall hourly rate came to ~$31.63, however without counting bonuses, the hourly rate fell ~14% to $27.23.

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