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.

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….

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).

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6 Companies That Send People Money When They're Asked Nicely

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? ›

8 tips for finding discretionary money in a tight budget
  1. Make a list before you grocery shop. ...
  2. Consider a side hustle. ...
  3. Save any cash you're gifted. ...
  4. Re-evaluate recurring expenses. ...
  5. Pay attention to your credit cards. ...
  6. Use a rewards credit card. ...
  7. Reassess your bills. ...
  8. Implement a monthly spending cleanse.

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

Being on a tight budget means every spending decision adds up, but you can start saving money by making small changes. For example, the money saved by making lunch instead of buying carryout or eating out can easily add up. The same is true with brewing your own coffee rather than stopping for a cup at a coffee shop.

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? ›

11 Ways to save money on a tight budget
  1. Tracking expenses. Expense tracking is key to making budgets work. ...
  2. Identifying essentials. ...
  3. Setting achievable saving goals. ...
  4. Strategic shopping. ...
  5. Clamping down on household costs. ...
  6. Stopping impulse buys. ...
  7. Prioritizing high-interest debt. ...
  8. Consolidating debt.

What to do if I'm struggling for money? ›

You can contact your local council - they might help you pay for things like:
  1. your energy and water bills.
  2. food.
  3. essential items - for example clothes or an oven.

How to stay positive when money is tight? ›

7 Strategies to Stay Positive on a Tight Budget
  1. Get Clear on Your Why. ...
  2. Write Down Your Goals. ...
  3. Practice Gratitude. ...
  4. Budget for Fun. ...
  5. Find Someone to Budget With. ...
  6. Get Creative about Saving Money. ...
  7. Aim for Progress, Not Perfection. ...
  8. A Few Things to Keep in Mind.
Sep 1, 2023

What is the 30 day rule? ›

The premise of the 30-day savings rule is straightforward: When faced with the temptation of an impulse purchase, wait 30 days before committing to the buy. During this time, take the opportunity to evaluate the necessity and impact of the purchase on your overall financial goals.

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 are the disadvantages of money in life? ›

Disadvantages of Money. The biggest disadvantage to money is its ability to distract you from what matters. Having a steady income can quickly become addicting, making you less likely to step back and evaluate your life as a whole. Obsession: A lot of people are obsessed with money.

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 save $1000 in a month? ›

Unlock Your Savings: 5 Proven Strategies to Save $1K in 30 Days
  1. #1. Budget Like a Boss.
  2. #2. Set Goals that Stick:
  3. #3. Watch Those Little Leaks:
  4. #4. Savvy Saving Account Choices.
  5. #5. Emergency Fund- Your Financial Firefighter.
  6. Keep on Keeping On.

How to save with no money? ›

Bill Paesano
  1. Create a Budget. The first step to saving money when you're broke is to create a detailed budget. ...
  2. Prioritize Necessities. ...
  3. Cut Unnecessary Subscriptions. ...
  4. Shop Smart for Groceries. ...
  5. Cook at Home. ...
  6. Explore Second-Hand Shopping. ...
  7. Utilize Free Resources. ...
  8. Use Public Transportation.
Aug 4, 2023

How do you live when money is tight? ›

You can make the most of a tight budget by paying your bills as soon as they come in and only buying what you need. If you can, put money toward savings and always make sure you're paying at least the minimum amount of any credit card debt.

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.

How do you survive hard financial times? ›

Cutting Expenses and Increasing Income

There are steps you can take to get a handle on your finances – and your financial stress. The very first step is to figure out if your income covers all of your current expenses. An increase in expenses or a drop in income usually means a change in lifestyle.

How to survive on a tight budget? ›

Here are our top tips for living on a tight budget and saving money at the same time.
  1. Set a budget and review it regularly. ...
  2. Save money on your food shop. ...
  3. Reduce your motoring costs. ...
  4. Keep your energy bills down. ...
  5. Look for a cheaper mobile phone plan. ...
  6. Establish some savings goals. ...
  7. Declutter and sell things you don't need.

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