We all feel different now than we did a few months ago about our finances. And if you’ve been laid off or your business has been closed due to quarantine, you may be feeling stressed out.
So, if cash is getting tight and you need to spend your money wisely, we have solutions for you. There are still tons of money-saving programs and services available from companies that understand these are difficult times.
1. If You Need More Than A Stimulus Check, Try AmOne
Founded in 1999, AmOne is a online loan matching platform, that offers a personal experience. AmOne specialists will assist you by understanding your current financial situation and ensure you are connected to the best option. With their large lending and financial network exceeding 100 providers. They even can even see if you qualify for a small business loan.
You can borrow up to $50,000, and APR rates will vary based on your credit worthiness. Rates for some of AmOne lending partners start at 3.99%.
Fill out a short form on their website and you will receive an instant response. If you have more than $10,000 in debt or a credit score below 575 you should try AmOne.
2. Cancel Your Car Insurance Today
What if someone offered you $825.00, would you take it? We would! Gabi, an insurance shopping comparison engine, is an essential app that allows average users to save $820.00 a year.
Gabi can help you find and switch to a cheaper insurance rate within minutes - for free! Just download the app, and follow the instructions. Once you’re registered, you will need to allow Gabi to scan your current online insurance account (Gabi is 100% safe and secure).
Gabi will do the rest. Gabi can compare your current rate against other insurance companies like: Progressive, Travelers, Natonwide, Kemper, Safeco., and many more.
3. Build Your Stock Portfolio For Just $1.00
If you love Netflix, you should own it! Stash is an app that allows you to start investing with just $1 by purchasing fractional shares in any company you want. Now you can own shares in companies like Netflix, Amazon, Tesla, Apple, or Google. Stash levels the investment playing field. Now you can afford to build real wealth at an affordable price.
You can create a diversified portfolio with very little money. There are no account minimums, so with few bucks you’re on your way.
For a limited time, Stash will give you $5 to invest when you make your first investment. So $1.00 can actually give you $6.00 of buying power!
4. Dump Your High Interest Car Loan Now
If you bought a new car, truck or SUV in the past 24 months you’re probably are paying too much in interest. The stay at home orders caused a massive “glut” in the car market. Dealers need to liquidate their inventories asap. Some auto manufacturers are even offering 0% APR for 7 years to qualified buyers.
Auto Credit Express can get you into the new car, truck or suv payment you can afford. They can even in get you approved for financing with a FICO Score below 600.
5. Do What Nora Did & Boost Your FICO Score®
Experian Boost™ was built to help people with no credit or bad credit improve their FICO Scores® quickly. You simply register and connect your bank account to the app. Experian Boost™ will give you EXTRA credit for paying your utility and cell phone bills.
You then choose the positive payment information you want on your credit profile. That’s it! Your score could “Boost” instantly.
Nora V. got a boost of 47 points instantly! There’s no easier way to improve your credit scores. Plus, it’s 100% free! Results may vary, see website for full details.
6. You Could Earn $1,200 In Real Cash From Your Couch
If you’re stuck at home, you might as well make the most of it.
A free rewards website called Swagbucks will pay you to watch videos.
One minute you might watch someone bake a cake, and the next, you may even watch latest half time performance of The Super Bowl.
All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.
A Swagbucks user in Pennsylvania, 52-year-old Carolinda Hendrickson, earned $1,200 in a year. When you earn points with Swagbucks, they can be redeemed as gift cards at stores like Target, Walmart, Amazon and more! Or you can have the cash sent to your Paypal account
It takes seconds to sign up, and you can even earn a $5 bonus.
6. Use This Trick To Manage Your Debts
Chances are you own your own home, or have credit card debt. How would your family pay the mortgage if something were to happen to you? Ladder Life Insurance offers term life insurance policies that is perfect for anyone with debt. Plans are available with term lengths of 10, 15, 20, 25, 30 years.
A Ladder’s life insurance application is entirely online and typically takes around 3 minutes to complete. Ladder makes getting life insurance easy and affordable. Ladder is so easy, that you may not even need to take a physical.
You can get a term policy from Ladder with a face value between $100,000 and $8 million. Here’s the trick, as your debts decrease over time you can lower your life insurance coverage and pay less in premiums. This could save you a lot of money.
Ben Franklins are the only bills you should leave your loved ones!
7. Collect Your Paycheck Even If You Get Sick
Now is not the time to run the risk of not getting paid. What would happen to you or your family if you missed 1,2, or even three months of work?
Breeze is an online disability insurance company that makes getting disability insurance easy and affordable. Disability insurance is income insurance. If you can’t work, you still need to get paid.
A Breeze disability insurance policy isn’t just for slips and falls. It can cover a cancer diagnosis and the grueling treatments that follow, prolonged complications from the flu or a virus, pregnancy difficulties, recovery from a heart attack or stroke, mental wellness issues, and more.
Breeze is backed by Assurity, one of the highest-rated disability insurance companies in the U.S.
There are no medical exams required. A free no-obligation quote takes about 90 seconds, and you could have a policy in 10 minutes. Long term disability plans start at just $9 per month.
8. If You’re Feeling A Little Lucky, Download This App
If you’re feeling lucky, or even not so lucky, you should download Lucktastic. Lucktastic is one of the most popular scratch-off sweepstakes apps ever. They have awarded over $3 million in cash prizes with over 220,000 winners.
Lucktastic isn’t the answer to all your problems, but it’s fun, free, and you have a chance to win real cash now.
9. Work Smarter, Not Harder
Unlike other rewards websites that are less than legit, MyPoints has been here since 1996. That’s almost 25 years of solid reputation under its belt.
MyPoints rewards points can be redeemed in $5 increments, which works out to 700 rewards points. You can earn rewards for playing games, watching movies or even reading emails.
MyPoints has a huge list of redeemable items, making these points more lucrative than many other survey rewards sites. A popular way to redeem these rewards points is by getting gift cards for some of the most popular restaurants and retail stores on the market. If you want easy rewards, register for MyPoints. It’s FREE!
10. Save $100 By Switching Banks
Checking accounts have an average yearly cost of $97.80 in fees, according to the federal government. That’s were Aspiration Bank comes in. Aspiration is an online-only bank offering most the services your big bank does, without all the fees.
What Aspiration Offers?
What doesn’t it offer? First off, the Aspiration Summit Checking Account has NO monthly fees. There are zero minimum balance fees, overdraft fees, and ATM fees when you use your Aspiration Bank Debit MasterCard. Your debit card also gets you 0.5% cash back on all purchases - making it a cash-back-card!
The Aspiration Bank Summit Account is an interest-bearing checking account that you can open with as little as $10. The account earns an APY of 1%, which according to the bank’s website, is up to 100 times better than the interest rate offered at big banks.
11. Stream Live TV For Free
According to Consumer Reports, most American’s pay over $2,000 a year for cable TV. That’s just ridiculous! As we face a recession economy, you need to make sure you are not wasting money.
Many cable companies require a credit check. If you have less than perfect credit, the cable company may demand a “deposit.” Sling TV is a month to month service. So, there’s no need for a credit check or deposit. There’s no equipment to rent either. That’s one of the reason’s why Sling TV is popular and so cheap.
Sling TV offers live local programming as well as CNN, AMC, ESPN, BET, E, TNT, NBC, TBS, Fox, and more.
12. Fill Your Cabinets With Free Samples
There’s no better way to save money, then by collecting FREE samples. Pinchme allows its members to participate in relevant market research. Most market research opportunities just send people surveys and ask them questions about their general habits and preferences when it comes to products.
Instead, PinchMe sends their members free samples of products and then asks that they provide information and opinions about the specific products they received, so companies can get the most precise feedback possible.
Pinchme asks its customers to take a survey providing information about themselves and their preferences. When it is time to request a sample, you will get to choose the samples you want to try.
So get ready to fill up your pantry for free.
13. Do This Easy Side Hustle For Easy Cash
Survey Junkie is one of the leading online market research companies in the U.S. Sometimes you’ll see Survey Junkie polls when you’re watching your evening news.
Register for Survey Junkie’s panel and you can start voicing your opinion on everything going on in the world today. Plus, they’ll pay you for it! Members earn Survey Dollars for completing surveys.
You can redeem your Survey Dollars for Cash via gift cards to Amazon, Target and more. Or you can get funds deposited into your Paypal account.
14. The IRS Extended It’s Deadline, So Get Rid Of Your Tax Issues
There are only two things in life that are guaranteed - “death and taxes”. The Internal Revenue Service (IRS) is relentless and if you owe them money it has sweeping effects across all aspects of your life. The IRS has the power to garnish your wages, seize your assets and place a lien on your property to obtain the money that you owe them.
If you owe the IRS and need assistance you need to contact FreshStart Tax Relief. Speaking with a qualified councilor is crucial. You need a plan to satisfy your tax debts and relieve the stress you have to be under. Owing Uncle Sam money is no joke. Speak with a professional today.
15. Earn Free Gift Cards When You Fill Up
Many of us use our debit cards for most of our everyday purchases. Those trips to the grocery store or gas station really add up. That’s why you need to download the Drop app now!
Drop is an easy-to-use app that lets you earn gift cards for the money you’re already spending. Once you’ve downloaded the app, you’ll be prompted to link your debit card. Don’t worry, Drop uses bank level encryption, so your information is more than safe!
After you’ve activated your account, you’ll choose five of your favorite stores. You will want to pick the largest stores you shop at the most like Wal-Mart, Starbucks, Exxon, Target, Amazon or wherever you spend the most money.
That’s it. You simply shop and earn points. Drop will allow you to redeem the point for gift cards to stores like Amazon, Walmart, Target and more.
Final Thoughts
These are unprecedented times, but rest assured they will get better. If you’re feeling isolated or need the sound advice of someone outside your inner circle, there are services that can help. You can text 741741, and you can quickly get in contact with an advisor from the Crisis Text Hotline.
Toughs Times Never Last Forever
Don’t let anyone tell you differently—many Americans are struggling in some way right now. However, this will pass, and we all will get through this.
To sum up, we’ve seen a bunch of amazing programs and services on this list. But, if we had to choose a few right now, we’d recommend the following. Make sure to bookmark this page:
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