6 Things To Do If You’re Barely Scraping By Financially (2024)

MAKE MONEY - MONEY GOALS

Last updated March 11, 2024 | By FinanceBuzz Editors

You’ve got just enough money in your bank account to last until Friday … but then Monday rolls around, and you’re in the same situation. Again.

Food. Bills. Rent. Gas. They dry up every bit of your take-home pay.

But it doesn’t have to be this hard. With a few smart moves, you could supplement your income — without doing much extra “work,” or even getting a side job!

Here’s what to do:

Stop overpaying when you shop online

Shopping online has its perks. It's super convenient, but it can be time consuming to find the best deals. Instead of hunting for coupon codes (that don't always work!) and opening tons of browser tabs comparing prices, you can try Capital One Shopping.

Capital One Shopping makes saving money effortless. Just add the browser extension and when you check out, it'll scour the internet for coupon codes to help you save cash. And before you check out at 25+ major retailers, Capital One Shopping will notify you with a friendly pop-up if the item you're buying is available cheaper somewhere else.

Capital One Shopping is free to use and won't show you ads. Add it today and stop overpaying!1

Get Capital One Shopping now

Pay no interest on balance transfers until September 2025

Imagine getting 18 months with 0% intro APR on a balance transfer. Sounds great — right? You could dramatically change your financial picture with this industry-leading card - the Citi Double Cash® Card(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 18 months. After the intro period for balance transfers, the APR is 19.24% - 29.24% (Variable). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't stop with balance transfers though. Cardholders can also earn double cash back — 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. The best part - you can redeem your cash back as direct deposit, a statement credit, or even a mailed check! You can turn your everyday purchases into cash back and make a dent in your debt, regular bills, or save for the future.

The best part? There's no annual fee.

Click here to apply here for the Citi Double Cash® Card(Rates and fees)

Earn cash back on everyday purchases with this rare account

Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!2

With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!

This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Apply for a Discover Cashback Checking account today

Ask this company to pay off your credit card debt

Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.

National Debt Relief is designed specifically to help you get out of credit card debt faster, without having to make drastic life changes. With National Debt Relief, you could pay off your credit card debt (with potentially way less interest) in one simple monthly payment.

How to get National Debt Relief to pay off your debt: Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can immediately assist you in paying off your debt, but only if you schedule the assessment.

Try it

Get $50 off and 1 month free with this home warranty

True: You do NOT have to buy a new home in order to get a powerful home warranty. Here’s why …

Choice Home Warranty allows nearly any eligible homeowner to purchase a warranty through them and start protecting their home systems and appliances right away. Home warranties can protect things like your AC, electrical system, dishwasher, fridge, and more when using insurance isn’t an option.

This could easily save you $1,000s of dollars every year … for not much money at all. If you’ve ever had some sort of issue pop up at home, getting this warranty is almost a no-brainer. (It’s crazy how many people aren’t taking advantage of this.)

Choice Home Warranty has serviced over 1 million homes, and operates 24/7/365 — if something covered breaks down, just go online or call to get the process started.3 Even better … for a limited time, get $50 off and 1 month free when you sign up through FinanceBuzz.

Get $50 off and 1 month free here

Earn $200 cash rewards bonus with this incredible card

There's a credit card that's making waves with its amazing bonus and benefits. The Wells Fargo Active Cash® Card(Rates and fees) has no annual fee and you can earn $200 after spending $500 in purchases in the first 3 months.

The Active Cash Card puts cash rewards back into your wallet. Cardholders can earn unlimited 2% cash rewards on purchases — easy! That's one of the best cash rewards options available.

This card also offers an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

The best part? There's no annual fee.

Click here to apply now.

Stop Overpaying When You Shop Online

Capital One Shopping Benefits

  • Capital One Shopping searches thousands of merchants to see if you're getting a great deal
  • Don't miss out on a better price
  • Search and apply coupon codes automatically
  • Custom price drop alerts for products you've viewed or purchased

Visit Capital One Shopping

6 Things To Do If You’re Barely Scraping By Financially (2024)

FAQs

6 Things To Do If You’re Barely Scraping By Financially? ›

: to live with barely enough money : to be able to buy only the things most needed. Money was tight, but we somehow managed to scrape by.

What to do if you're barely scraping by? ›

Although they may seem intimidating, they can have a significant impact on how much cash is flowing into—and out of—a budget.
  1. Negotiate a Higher Salary. ...
  2. Switch to a Higher-Paying Job. ...
  3. Get a Second Job. ...
  4. Discuss Having a Stay-at-Home Parent Go Back to Work. ...
  5. Move to a Cheaper Home. ...
  6. Take in Roommates. ...
  7. Relocate to a Cheaper Area.

What to do if you are financially free? ›

Amazing things you can do if you're Financially Free
  1. Stop working or work less. ...
  2. Travel the world / plan your adventure. ...
  3. Look after your wellbeing. ...
  4. Volunteer work. ...
  5. Spend time on your hobbies. ...
  6. Relationships. ...
  7. Coach others. ...
  8. Grow your money.

What to do when you are financially broke? ›

Budgeting When You're Broke
  1. Avoid Immediate Disasters. ...
  2. Review Credit Card Payments and Due Dates. ...
  3. Prioritizing Bills. ...
  4. Ignore the 10% Savings Rule, For Now. ...
  5. Review Your Past Month's Spending. ...
  6. Negotiate Credit Card Interest Rates. ...
  7. Eliminate Unnecessary Expenses. ...
  8. Journal New Budget for One Month.

What to do when you're running out of money? ›

Here's what to do if you have run out of emergency savings:
  1. Slash Your Budget Further. ...
  2. Sell Things You're Not Using. ...
  3. Pause Retirement Savings. ...
  4. Negotiate Bills. ...
  5. Call Lenders for Help. ...
  6. Take on a Side Hustle.

What does barely scrape by mean? ›

: to live with barely enough money : to be able to buy only the things most needed. Money was tight, but we somehow managed to scrape by.

What are 10 steps to financial freedom? ›

10 Steps to Achieve Financial Freedom
  • Understand Where You Are At. You can't gain financial freedom if you do not have a starting point. ...
  • View Money Positively. ...
  • Pay Yourself First. ...
  • Spend Less. ...
  • Buy Experiences Not Things. ...
  • Pay Off Debt. ...
  • Create Additional Sources of Income. ...
  • Invest in Your Future.

What is the 4 rule for financial freedom? ›

Key Takeaways. The 4% rule says people should withdraw 4% of their retirement funds in the first year after retiring and take that dollar amount, adjusted for inflation, every year after.

What is the 50 30 20 rule? ›

The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes money you will need to realize your future goals.

What to do when you're jobless and broke? ›

If you need money after losing your job, you might be eligible for unemployment insurance. Once you've signed up for unemployment, look for jobs advertising "Urgently Hiring" or "Immediate Hire" and be willing to accept any job you can get until you find the one you want.

How do I stop being struggling financially? ›

How We Make Money
  1. Prioritize what you can control on discretionary spending.
  2. Find ways to earn more money.
  3. Pay essential bills.
  4. Save money during trying times.
  5. Track your money-saving progress.
  6. Talk to your lenders.
  7. Consult with an expert financial advisor.
May 21, 2024

How do I restart my life financially? ›

Here are five actionable steps to reset your finances and get back on track to building wealth.
  1. Review Your Spending. Before you reset your finances, look back at how you've been doing financially. ...
  2. Reset Your Budget. ...
  3. Check Your Net Worth. ...
  4. Check Your Credit Score. ...
  5. Set New Intentions. ...
  6. Visualize Success.
Sep 24, 2022

What to do if you're low on money? ›

6 Things to Do When You Run Out of Money
  1. #1: Prioritize Your Spending. ...
  2. #2: Pay your most important bills and let the ones you can do without go. ...
  3. #3: Cut down on your spending.
  4. #4: Consider government benefits. ...
  5. #5: Make some extra money. ...
  6. #6 Avoid borrowing. ...
  7. Conclusion.
Aug 23, 2022

What to do when you are stuck for money? ›

You should first contact the organisations you need to pay. You might be able to agree a plan to help pay the money you owe. If you decide to take out a loan, you should: compare different deals – check how to get the best deal.

What is the best thing to do when you don't have money? ›

Whatever your situation, here are 13 fun things to do that don't cost money with friends and family:
  • Go on a picnic. ...
  • Go to no-cost museum and zoo days. ...
  • Give geocaching a try. ...
  • Leverage your chamber of commerce. ...
  • Take a historical city tour. ...
  • Visit a farmers market. ...
  • Go camping. ...
  • Do a photography challenge.
Feb 14, 2024

How long does it take for skin to grow back after scraping it? ›

Most scrapes heal well with home treatment and do not scar. Minor scrapes may be uncomfortable, but they usually heal within 3 to 7 days. The larger and deeper the scrape, the longer it will take to heal. A large, deep scrape may take up to 1 to 2 weeks or longer to heal.

How long does scraping take to work? ›

While patients will generally feel better after the first treatment, it typically takes three to four treatments before patients will sense lasting relief. The technique should be used within the course of a full treatment plan, including active stretching, strengthening, and dynamic exercise to maximize healing.

What does scraping do for your body? ›

Additionally, muscle scraping can help to improve circulation, which can reduce inflammation, swelling, and pain. By breaking up adhesions and scar tissue, it can also improve overall range of motion and flexibility, which can be especially helpful for athletes or anyone dealing with chronic pain or tightness.

What causes skin scraping? ›

They are most often caused by mishaps or falls. But they can occur anytime the skin is rubbed against a hard surface, such as the ground, a sidewalk, a carpet, an artificial playing surface, or a road (road rash).

Top Articles
Best Multidevice VPNs
Whatever happened to Data Mining?
Funny Roblox Id Codes 2023
Sdn Md 2023-2024
St Petersburg Craigslist Pets
Did 9Anime Rebrand
Collision Masters Fairbanks
Chris wragge hi-res stock photography and images - Alamy
Palace Pizza Joplin
Hello Alice Business Credit Card Limit Hard Pull
Which Is A Popular Southern Hemisphere Destination Microsoft Rewards
24 Best Things To Do in Great Yarmouth Norfolk
9044906381
Webcentral Cuny
24 Hour Drive Thru Car Wash Near Me
Craigslist Mt Pleasant Sc
U Arizona Phonebook
Richland Ecampus
Metro Pcs.near Me
Craigslist Pet Phoenix
Providence Medical Group-West Hills Primary Care
Mythical Escapee Of Crete
Celina Powell Lil Meech Video: A Controversial Encounter Shakes Social Media - Video Reddit Trend
2021 MTV Video Music Awards: See the Complete List of Nominees - E! Online
Pawn Shop Moline Il
Costco Jobs San Diego
Tinyzonehd
Craftybase Coupon
Cvs Sport Physicals
Jail Roster Independence Ks
Meggen Nut
Askhistorians Book List
Vlacs Maestro Login
2487872771
Nacogdoches, Texas: Step Back in Time in Texas' Oldest Town
Newcardapply Com 21961
The Complete Guide To The Infamous "imskirby Incident"
SOC 100 ONL Syllabus
Bismarck Mandan Mugshots
Claim loopt uit op pr-drama voor Hohenzollern
Boone County Sheriff 700 Report
Pp503063
Why I’m Joining Flipboard
Doordash Promo Code Generator
Henry Ford’s Greatest Achievements and Inventions - World History Edu
Anthem Bcbs Otc Catalog 2022
✨ Flysheet for Alpha Wall Tent, Guy Ropes, D-Ring, Metal Runner & Stakes Included for Hunting, Family Camping & Outdoor Activities (12'x14', PE) — 🛍️ The Retail Market
Best Conjuration Spell In Skyrim
Gelato 47 Allbud
Wild Fork Foods Login
Home | General Store and Gas Station | Cressman's General Store | California
Karen Kripas Obituary
Latest Posts
Article information

Author: Madonna Wisozk

Last Updated:

Views: 6061

Rating: 4.8 / 5 (68 voted)

Reviews: 91% of readers found this page helpful

Author information

Name: Madonna Wisozk

Birthday: 2001-02-23

Address: 656 Gerhold Summit, Sidneyberg, FL 78179-2512

Phone: +6742282696652

Job: Customer Banking Liaison

Hobby: Flower arranging, Yo-yoing, Tai chi, Rowing, Macrame, Urban exploration, Knife making

Introduction: My name is Madonna Wisozk, I am a attractive, healthy, thoughtful, faithful, open, vivacious, zany person who loves writing and wants to share my knowledge and understanding with you.