In a previous life, before I made it a mission to take saving money seriously, I dabbled in various online offerings that promised to put cash in my pocket. Almost invariably, I was disappointed and disillusioned immediately upon beginning. There is a way of thinking that everyone is familiar with, if it is easy (and actually makes money) everyone would be doing it. However, this is not totally accurate. Let me explain.
Archive. This article was published in 2021 under a previous owner of this site. It has not been reviewed under our Editorial Policy, and some information may be out of date.
Survey Junkie: Is It Legit?
There aren’t very many opportunities out there that are easy and pay money, but they do exist. The problem is that they may not be heavily advertised, and many people simply do not know about them. This is the first in a series of reviews that attempts to share what we have researched, tested, and approved as viable money stretching pursuits that will pay you. All of the opportunities that we will share with you have one thing in common… they work.

Almost 6000 years ago, the idea of a survey was first introduced by the Babylonians. While mostly dealing with census and other official information gathering, the idea slowly evolved into a crucial method for researching almost anything. Fast forward to 1834, door to door surveys were born in England. As time went on, the survey was proven to be an effective tool for governments and businesses alike, gathering the opinions of the population in an attempt to point products and services in the right direction, stay relevant, and test marketing campaigns before the investment of large amounts of capital. One thing that became clear was that although people were capable of donating their time, most of the time they weren’t willing, and compensation was required. That compensation is notorious for being small, however.
Medicare
You can leave Medigap any fall. Coming back is a different story
Medicare
You can leave Medigap any fall. Coming back is a different story
Medicare
Your 2027 raise is 3.6%. See what Part B leaves
Medicare
Your Medicare plan can change January 1. Seven checks, in order
Medicare
Your state may pay your Part B premium. Check one income line
Medicare
Your plan said no. Most appeals filed were at least partly reversed
Medicare
If your Medicare Advantage plan ends, you get a 63-day Medigap right
Insurance
Your 2027 subsidy stops at $63,840. Here's how the line is drawn
Medicare
Your Plan G premium jumped again. Check your state's switching window
Home & Mortgage
Your fixed-rate payment has two parts that are not fixed at all
Debt & Credit
The one question to ask when a grandchild calls needing money
Insurance
Your spouse goes on Medicare. You're 62. Where your coverage comes from
Insurance
The adjuster wants to record your call. What you can say
Medicare
Your Part D deductible can reach $700 in January. Check this line
Home & Mortgage
This winter's heating bill forecast: gas down 9%, oil up 21%
Home & Mortgage
Divide your electric bill by the kilowatt-hours. Compare it with last year
Insurance
Your home insurance rose with no claims. Check these four lines.
Insurance
Your renewal letter shows the new premium, not which rating factor changed
Retirement
Your parent's bank won't take the power of attorney. Check one rule
Insurance
Your totaled car's value comes from a report you can request
Medicare
COBRA does not count as employer coverage when you turn 65
Insurance
Your nonrenewal letter has two dates. Count the days between them
Retirement
You're the executor. Which of your parent's bills come first
Insurance
Hit a deer? Your comprehensive coverage, not collision, usually pays
Insurance
Your home claim was denied. Find the "Suit Against Us" date first.
Home & Mortgage
Your home warranty may pay $3,000 toward a $7,500 system
Medicare
Your plan's September letter has five lines that set your 2027 costs
Home & Mortgage
A HELOC payment changes twice. Plan for the second one before signing
Debt & Credit
A collector can't take your Social Security. The IRS sometimes can
Debt & Credit
Your repair quote vs. a car payment. Run this math first
Debt & Credit
The timeshare exit that starts with a free phone call to the developer
Retirement
At 62 your Social Security check is 30% smaller, for life
Insurance
A woman's $10,000 burial policy costs $33 at 60, $98 at 80
Retirement
Your will still goes through probate court. A living trust doesn't
Medicare
Your parent was "under observation," not admitted. That changes who pays rehab
Debt & Credit
Your card statement has a box showing the 36-month payoff amount
Medicare
Your 2026 Medicare premium was set by your 2024 tax return
Home & Mortgage
Your tax basis in an inherited house is its date-of-death value
Insurance
Your "extended warranty" is not a warranty, and the FTC says so
Retirement
Your first IRA withdrawal deadline is April 1, and it has a catch
Debt & Credit
Your parent's final hospital bill came to you. Usually it's the estate's
Insurance
Your long-term care premium went up. Compare the options in the letter
Home & Mortgage
Your property tax bill has an exemptions line. Read it tonight
Insurance
Your roof claim may now be paid at actual cash value
Home & Mortgage
Twelve months in a nursing home can make your reverse mortgage due
Medicare
Your Medigap plan pays 80% abroad, up to a $50,000 lifetime cap
Debt & Credit
The $167 a month you pay for a car you traded away
Debt & Credit
Your car was repossessed. What the lender can still collect
Insurance
The same term life policy costs double at 65 versus 55
Insurance
Your term policy's conversion deadline may come before the term ends
Retirement
What $100,000 buys you in monthly income at 65: about $625
Taxes
What to say when you call the number on your penalty notice
Debt & Credit
Why December had the biggest incentives and the highest prices
Debt & Credit
Find the "Itemization of Amount Financed" box on your car loan contract
Debt & Credit
Your car loan had a second interest rate you never saw
Insurance
Your insurer must name the credit bureau it used to price you
Insurance
Your insurer still thinks you drive to work five days a week
Debt & Credit
A collector cannot sue you on a debt past its legal deadline
Insurance
Multiply two lines on your car policy by 10 before you renew
Taxes
Your Social Security is still taxable. The new $6,000 deduction explains why
Retirement
Your old 401(k) may be in an IRA you never opened
Home & Mortgage
Your PMI can end at 75% of today's home value
Insurance
You can request the driving file a data broker keeps on you
Insurance
Before you drop a life insurance policy, ask what a buyer pays
Taxes
The plant code in your VIN now matters at tax time
Retirement
Your overpayment letter starts a clock. One form can pause the withholding
Retirement
Your check after 2032: taxes still cover 78%. See the math
Retirement
You care for your mom daily. Three programs can pay family caregivers
Debt & Credit
You signed as 'responsible party.' Read what that line commits you to
Retirement
Your parent's IRA came with a 10-year clock, and yearly withdrawals
Insurance
Your flood premium can rise 18% a year. See where it stops
Home & Mortgage
Your condo board sent a special assessment. Check these records first
Taxes
Your home's gain may top the $250,000 exclusion. Check your basis first
Debt & Credit
Your house is paid off. Check who the county says owns it
Insurance
Your dad shouldn't be driving. What his insurance and the law say
Debt & Credit
Your car loan is paid off. The title still hasn't come
Insurance
Your MRI price depends on where you get it. Check before booking
Retirement
Your Medicare nursing home coverage ends on day 101. Then what
Medicare
Your Part D plan's Ozempic price is based on $274 starting January
Medicare
Your Medicare Advantage dental benefit probably stops near $1,300 a year
Retirement
You deeded the house to your kids. Medicaid still checks 60 months
Retirement
Your disability denial letter starts a 60-day clock
Insurance
Your implant quote may leave out the scan and the bone graft
Medicare
Your copay can be higher than the pharmacy's cash price
Home & Mortgage
Your stairlift quote may be $7,000. Medicare's share is zero.
Medicare
Your $4,000 hearing aid quote bundles years of office visits
Medicare
The $959 drug Medicare will pay $274 for starting January 1
Insurance
Your medical alert bill can double once fall detection is added
Medicare
Your cataract surgery bill has two parts. Medicare pays only one
Debt & Credit
Your hospital bill has a financial assistance line. It's near the bottom
Debt & Credit
Your paid medical bill shouldn't be on your credit report anymore
Debt & Credit
Your hospital bill is one line. You can ask for every charge
Debt & Credit
Your ambulance ride isn't covered by the federal surprise billing law
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This isn’t a mystery, really. You can’t spend large amounts of money trying to save large amounts of money before you spend large amounts of money. Yep, that’s correct, read it again. The problem is that those who conducted surveys were trying to get as much information for as little as possible, often for nothing. It’s not surprising when what is being advertised as easy money turns out to be either more work than it is worth, or the promised compensation never materializes. That’s why when I ran into Survey Junkie back in 2019, I was intrigued.

Their model is quite simple, choose a survey to do and get paid to do it, based on the value of the survey. This is all given to you up front, including the time required, type of survey, and how much you will get paid. They operate on a point system, where, say an individual survey is worth 150 points. Each point is $.01, so a survey worth 150 points will pay you $1.50. They have a $5.00 minimum payout, which is quite low, and reached easily in very little time.

The surveys themselves can vary in type. Some consist of simply answering questions about brands and services, and others can be far more entertaining. You may find yourself watching a commercial and getting paid for your reaction. This brings up another point that we wanted to make.
Getting paid for your opinion and impression is nice, but it’s important to know that your time is not wasted. Companies depend on your input to develop their advertising, products, and services, so what you are doing to help out is actually quite important. I think that Survey Junkie is spot on with the quality control, as well. Without being intrusive, they will occasionally test to see if you are a human, and not a machine. This is sometimes humorous, and like almost anything with Survey Junkie, you will get paid to prove you are a live person.

Another thing that sets Survey Junkie aside is that they put allot of effort into matching the right people with the right surveys. Afterall, if you do not own any pets, your opinion on various pet foods would not be as “valuable”. We did notice sometimes, at the beginning of a survey there is a series of qualifying questions. They determine pretty early on if you do not meet the criteria and politely direct you to take a different survey. No worries though, you still get paid for that time.
In our research, one thing that seems to be common among survey providers is the actual lack of available surveys. It’s pretty hard to make any extra money to stretch if there are no surveys to take. This has not been a problem for me on Survey Junkie in the past, and I recently logged back in to see if they still excel in this regard….and they do!
Getting paid is very simple as well. You can request a payout at any time after reaching the $5.00 minimum, and it goes straight into your PayPal account. And for me, it was fast. Really fast. As in mere minutes. I remember one day at work in particular. It was very slow. In my spare time I not only made gas money for the trip home, but it was in my bank account (transferred from PayPal) before I left. It doesn’t get any easier than that. Be on the lookout for promotions that can give you a small boost as well.

As with any technology, annoying things can and do still happen. Once I remember completing a survey and not receiving my points. However, a quick message to customer support resulted in getting my points after all. Their customer service is quite good. Another thing that you will notice quickly is that for some people, taking surveys can become rather boring after a while. But then again, many repetitive things do. At least with Survey Junkie, there is variety. Some surveys I really enjoy, especially the ones where you watch ads and press buttons depending on your feelings at that very moment in time.
The goal here at Moneystretching.com is to help you get more from your money, as well as finding new ways to pick up extra money to stretch. We feel pretty confident in recommending Survey Junkie, as long as you realize that you will not likely be able to quit your job by taking surveys. That being said, you could easily pick up enough extra cash to make a difference, depending on your commitment level. One thing is certain, Survey Junkie is absolutely legit, you will make money, and there is really no reason not to head over and give it a try. If you do, tell us what you think.
If you enjoyed this review, use our affiliate link below (which helps support Moneystretching.com) and check out Survey Junkie today!

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This article is general information, not financial, legal, tax, insurance or medical advice, and it is not a substitute for the advice of an attorney.