Government stimulus comes during challenging economic times to help boost the economy by putting more money into Americans’ pockets. However, what happens when those checks go the way of the dinosaur or the government shuts down programs that help when times get financially tough?
Although many people are feeling strained due to inflation and high living costs, a government stimulus is unlikely to be forthcoming in 2026. Still, there are ways you could potentially create your own source of extra cash through investing and other money moves. Here are six effective strategies to create your own “stimulus check” in 2026, using tools and resources already at your fingertips.
1. Cash In on Credit Card Rewards and Loyalty Points
Don’t leave money on the table — use cash-back credit cards and rewards apps, which can turn your everyday spending habits into a clever side gig. Just be smart with those credit cards outside of paying for necessities like groceries or gas. That cash back won’t count if you carry a balance and end up racking up interest on top of your payments.
Many people accumulate cash-back rewards, travel points and store credits without realizing their full value. Review your credit card accounts, retail apps and loyalty programs to see what you’ve earned, then redeem them for gift cards, statement credits or direct deposits. This way, you’re paying yourself with money you’ve already earned through everyday spending, turning it into a passive income stream.
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2. Start a Micro Side Hustle
You don’t need a full-time gig to earn extra income. Micro side hustles, or even more in-demand ones like freelance writing, pet sitting, online tutoring or selling digital products, can be done on your own schedule and scaled as needed. In fact, people who are good at staying on top of trends can pick up side work that quickly grows lucrative.
If you have any kind of expert knowledge, you might be able to build a quick online course. If you’ve got tech skills or a deep understanding of artificial intelligence (AI), you might be able to parlay that into side work for companies or entrepreneurs who need contractors.
Also look to your local community. Are Uber and Lyft drivers in scarce supply? Do elderly residents need personal shoppers or people to tend their lawns? Side hustling can be as much about looking to fill a need as it is about making money. Flexible, low-barrier income streams can generate hundreds per month with just a few hours of effort, which is stimulating indeed.
3. Sell Unused Items Online
Decluttering your home can lead to quick cash. Platforms like eBay, Facebook Marketplace, Poshmark and OfferUp make it easy to sell clothing, electronics, furniture and collectibles. You turn unused items into income while freeing up space. This form of making money while decluttering is a win-win for your wallet and your home.
4. Take Advantage of Utility Rebates and Tax Credits
In 2026, many states and utility companies will offer rebates for energy-efficient appliances, solar installations and home upgrades. Additionally, federal and state tax credits may be available for eco-friendly improvements, electric vehicle purchases or other potential 2026 energy rebates. These programs can put hundreds or even thousands of dollars back in your pocket, often with minimal upfront cost.
5. Invest in Dividend-Paying Stocks
Another suggestion for boosting your personal finances in 2026 is making some “bonus money” by looking into dividend-paying stocks. In other words, invest in trusted companies that pay you just for owning their stock, because if you choose wisely, those quarterly payments can feel like free money — just for being smart with your money.
6. Rent Out What You Have
Beyond the obvious rentals, like a property or room through rental platforms, a way to bring in extra cash is to rent out things you own. Everything from your car on Turo, your tools or equipment on sites like Fat Llama, or your yard for events through apps like Sniffspot. You can even turn an extra bedroom into a small-scale “rental property” with twists and tweaks.
Final Take: Build Your Own Financial Boost
The bottom line is that while stimulus checks may come and go, your ability to create financial breathing room is always within reach. By leveraging rewards, selling unused items, tapping into rebates, starting a side hustle and cutting wasteful spending, you can generate your own stimulus-style income, tailored to your lifestyle and goals.
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This article originally appeared on GOBankingRates.com: 6 Ways You Can Create Your Own ‘Stimulus Check’ in 2026
