Allan Liwanag is a personal finance blogger who paid off at least $40K debt in 3 years by adopting simple and extreme saving techniques while ensuring his family's needs were taken care of. An analyst by day and dedicated blogger by night, he loves to share his thoughts - based on his research, personal knowledge, and experience - on topics related to family, life, and money. Allan lives with his family in Maryland, USA.
Allan Liwanag is a personal finance blogger who paid off at least $40K debt in 3 years by adopting simple and extreme saving techniques while ensuring his family's needs were taken care of. An analyst by day and dedicated blogger by night, he loves to share his thoughts - based on his research, personal knowledge, and experience - on topics related to family, life, and money. Allan lives with his family in Maryland, USA.

Pros: CashKarma operates within an app, which makes for a simple, self-contained user experience. You can also watch videos, complete sign-up offers and earn bonus achievement badges. Plus, you’ll still earn points even if you don’t qualify for a survey — based on the amount of time you spend in a survey you’re screened out of — and you’ll earn an easy five points a day when you check in.


Survey Club has been offering online paid surveys since 2005, and in the fast paced every changing world of the web that’s a reassuringly long amount of time. They are a bit of an acquired taste, in that they specialise in long, detailed surveys for high end clients rather than the quick and cheerful consumer surveys that you may be more familiar with. Whilst this does mean that you may have to commit a bit more time, it does mean that if you have the patience to persevere with them they pay more money than most survey and reward sites. They also offer local taste tests (see what I said about ‘an acquired taste’?), and secret shopper opportunities.
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