When Money Is Tight, These 7 Resources Will Help Nearly Everyone (2024)

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When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

We’re not judging — we don’t roll like that. We’re here to help. We just don’t want you to have to sell those Elvis-Presley-signed velvet pants you inherited just to pay some lousy plumbing bill. Those pants are sweet.

Try these tips to get the ball rolling, and start building up your savings so you can breathe a little easier.

1. Ask for Some Help — You Deserve It

If you’re really in a bind, start with 2-1-1, a confidential service offered through United Way that’ll help you find the resources you need to find affordable housing, make rent or pay utilities. It’s there for people like you.

To use the service, head to 211.org and enter your location. It’ll show you services in your community and give you a number to call. It’s a clearinghouse for help with food, housing, utilities and employment. If you’ve never asked for help before, that means you don’t know what kind of help is out there.

7 Ways to Make Money if You Hate People

Do you avoid people too? In the past, there was almost no way around working with people if you wanted to earn a living, but things have changed.

Our team has compiled a list of creative ways you can fatten your bank account this month, without having to put up with people.

Enough small talk. Here are some ways to earn extra cash, without all of the social stuff.

You can also look into applying for a grant. Take, for example, Modest Needs grants, which are designed for workers just about the poverty line who are ineligible for most other forms of social assistance.

2. Get Paid to Play Bingo

There’s a free app calledBingo Cashthat pays you up to $80 every time you win bingo!

The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $80.

Over on the App Store, it has a 4.7-star rating (out of 5).

📌 Don't Miss:

Get Paid $225/Month While Watching Movie Previews

To get started, justdownload the free appand start playing your first game immediately.

3.Get Paid $225/Month toWatch CookingVideos

If we told you that you could get paid to watch videos on your computer, you’d probably laugh.

It’s too good to be true, right?

But we’re serious. A website calledInboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.

No, InboxDollars won’t replace your full-time job, but it’s possible to earn up to $225 a month.

It’s already paid its users more than $50 million.

Enter your email address here and you’ll immediately get a $5 bonus to get you started.

4. Let This App Pay You up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).To get started, just download the free app and start playing your first game immediately.

5. Cancel Your Car Insurance

When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy.

If it’s been more than six months since your last car insurance quote, you should look again.

And if you usea website called EverQuote, you cansee all your options at once.

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

6. Get a Free $80 for Playing This Cell Phone Game

We all have our favorite ways to kill time. A good book, a good conversation, a hockey game.

Here’s another good time-killer: Playing games on your iPhone. And what if you could play for money? Real money? There’s a free iPhone and iPad app called Bubble Cash that pays you to play. You can get paid up to $80 per win!

You might be wondering if there’s a catch. But there’s really not. Bubble Cash is free to download and is completely skill-based. And it’s quite popular. It has more than a million downloads and averages a rating of 4.5 out of 5 on the App Store.

Players have won hundreds of thousands in prize money so far.

To get started, just download the free app and start playing your first game immediately.

7.Copy This Strategy To Get a $526 Refund

Chances are you do a lot of your shopping online. Whether it’s pet food, toilet paper or even gifts, you’re probably leaving money on the table.

A free browser extension calledRakutenhas the hookup with just about every online store you shop, including Walmart and Target, which means it can give you a kickback every time you buy.

In fact, since Denver resident Colleen Rice started using Rakuten, it’s sent her checks in the mail totaling $526.44. For doing nothing. Seriously. Rice says she uses Rakuten for things she already has to buy, like rental cars and flights.

It takes less than 60 seconds to download the free extension,create a free Rakuten accountand start shopping. All you need is an email address, then you can immediately start shopping your go-to stores through the site.

Plus, if you use Rakuten to earn money back within the first 90 days of signing up, it’ll give you an extra $10 on the first check it sends you. Talk about money for nothing.

5 Companies That Send People Money When They’re Asked Nicely

When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help….

Ready to stop worrying about money?

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When Money Is Tight, These 7 Resources Will Help Nearly Everyone (2024)

FAQs

How do you survive when money is tight? ›

Beyond altering your spending habits, here are four additional things you can do to help your family survive when money is tight.
  1. Call the companies you owe money to. If you owe student loans, call your lenders to see if you can get your monthly payments reduced. ...
  2. Meal plan. ...
  3. Declutter and sell things. ...
  4. Have a fun budget.

What are some examples of how someone saves money if money is tight? ›

The best way to save money on a tight budget is to make small changes. Turn off lights when you're not using them, avoid impulse purchases, cancel subscriptions you don't use and eat in more often. You can also look for discounts by couponing or shopping sales or consider low-income assistance programs.

Why is money resources important? ›

Earning money is important for most adults because they need money to buy things such as food, clothes, and shelter. The money people earn must cover all of their important expenses so they can take care of all of their needs. If any money is left over, it can be split between savings, investments, and free spending.

When your money gets tight there are several ways to economize? ›

7 ways to save money on a tight budget
  1. Track your spending. ...
  2. Use a roundup app. ...
  3. Make use of "buy-nothing" groups. ...
  4. Find out if your employer offers special programs. ...
  5. Negotiate your bills. ...
  6. Sell unused items. ...
  7. Find additional sources of income.
Aug 9, 2024

How to stay positive when money is tight? ›

One of the best ways to do this is to practice gratitude. If you can find things each day to be grateful for, it can be easier to stay positive on a tight budget. Take time once a day to write down three things you're grateful for.

How do you stay calm when money is tight? ›

How to survive financial stress
  1. Stay active. Keep seeing your friends, keep your CV up to date, and try to keep paying the bills. ...
  2. Get advice. If you're going into debt, get advice on how to prioritise your debts. ...
  3. Do not drink too much alcohol. ...
  4. Do not give up your daily routine.

What is the 50 30 20 rule? ›

Those will become part of your budget. 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 is the golden rule of saving money? ›

The rule says that a person should divide his/her take-home salary into three categories: needs (50%) wants (30%) and savings (20%). “The rule's simplicity lies in its ease of comprehension and application, which enables each person to set aside a fixed portion of their monthly income for savings.

How to stop bleeding money? ›

Here's how:
  1. Avoid new debt. To avoid new debt, pay with cash or debit, never credit. It's that simple. ...
  2. Evade tempting debt. Remember those needs and wants? Work on recognizing the difference - and know when to run! ...
  3. Eliminate penalties. Finally, it's important to eliminate penalties that can add to your debt.

What are the disadvantages of money in life? ›

  • Obsession: A lot of people are obsessed with money. They constantly talk about it, read about it, think about it, and make decisions based on how they can earn more. ...
  • Disagreements: Another problem with money is that it can cause disagreements between friends, family members, or business partners.

What are three reasons we need money? ›

Human beings need money to pay for all the things that make your life possible, such as shelter, food, healthcare bills, and a good education. You don't necessarily need to be Bill Gates or have a lot of money to pay for these things, but you will need some money until the day you die.

How to live a low budget life? ›

10 Ways to Live the Big Life on a Small Budget
  1. Eat Well on Less. ...
  2. Take Advantage of Nature for Exercising. ...
  3. Consider Alternative Accommodations. ...
  4. Take Short Trips Instead of Long Vacations. ...
  5. Don't Write Off Discount Stores. ...
  6. Look for Other Free Entertainment. ...
  7. Embrace Secondhand and Vintage Home Stylings. ...
  8. Give Back to Others.

When money is really tight? ›

If you have a tight budget, it's important to track your income, spending, and saving carefully. Then, you can look for ways to better manage your money, such as cutting spending, negotiating bills, using apps, and starting a side hustle.

How to ruthlessly save money? ›

Try to save money each week of the year, starting with $1 the first week, $2 on the second week, and so on until you get to week 52 and you save $52. By the end of the challenge, you will have saved more than $1000.

How to live on an extremely tight budget? ›

13 ways to save money on a tight budget
  1. Focus on small changes in various budget categories.
  2. Automate your savings into a high-yield savings account.
  3. Earn interest on your checking account.
  4. Use those three-payday months to save more.
  5. Keep a budget.
  6. Shop around for insurance rates.
  7. Refinance your mortgage.
Oct 19, 2023

How do you survive hard financial times? ›

Tips for tough financial times
  1. Eliminate unnecessary expenses. Determine how much you're spending in nonessential categories such as entertainment or eating out. ...
  2. Tap into your emergency fund. ...
  3. Refinance your car payment. ...
  4. Consider a personal loan. ...
  5. Avoid tapping into your retirement account. ...
  6. Make a plan.

How do you get out of a tight financial situation? ›

  1. Identify the problem. ...
  2. Make a budget to help you resolve your financial problems. ...
  3. Lower your expenses. ...
  4. Pay in cash. ...
  5. Stop taking on debt to avoid aggravating your financial problems. ...
  6. Avoid buying new. ...
  7. Meet with your advisor to discuss your financial problems. ...
  8. Increase your income.
Jan 29, 2024

How to survive with barely any money? ›

Here are a few other tips and tricks for surviving on a low income:
  1. Look for free and low-cost activities. ...
  2. Ask for a raise. ...
  3. Start a side hustle. ...
  4. Replace costly habits with inexpensive ones. ...
  5. Plan sequenced reward opportunities. ...
  6. Create accountability. ...
  7. Seek out low-cost alternatives to your hobbies.
Sep 14, 2022

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