When cash is tight, you can start feeling like the walls are caving in.
Your bills are starting to pile up, and you may feel like your swimming in them. You may even be late on one or two of them. In today’s environment, you may also be fearful that your next paycheck may be your last.
Here are twelve programs and services that can help calm your nerves and give you the relief you desperately need right now.
1. Get Advice & Apply For The Best Loan For You
Founded in 1999, AmOne has grown to become one of the nation’s largest financial assistance companies for people with all types of credit. AmOne advisors will assist you by helping understand your current financial situation and tailor a solution that best fits you, not line the pockets of “fat cat” lenders. AmOne advisors can also assist you in applying for a loan, up to $50,000, to get all your debts consolidated into one loan.
If you have been turned down for loans before, don’t worry. AmOne advisors have seen it all. They can assist you in getting the right solution tailored to meet your needs even if your FICO Score is below 600. A.P.R.’s will vary based on your individual needs, but they can start at as low as 3.99% A.P.R.
2. Get Extra Cash In Your Pocket
You are on the internet more than ever right now, but did you know, your data is actually worth A TON of money to corporations.
So, why not get paid for scrolling through web pages? With Swagbucks, you can. They give out over 7,000 gift cards a day to customers for Amazon, Walmart, Target, and more just for surfing the web and watching videos. Or, you can have cash sent straight to your PayPal account.
It’s easy to make an extra $5 per day by watching a few videos. That translates to an additional $150 in your pocket per month.
One Swagbucks user in Pennsylvania, 52-year-old Carolinda Hendrickson, earned $1,200 in a year.
It takes seconds to sign up, and you can even earn a $5 bonus.
3. Try This Loan Service To Get Options
Founded in 2009, Monevo has grown to become one of the nation’s largest loan and financial matching company in the U.S. Although they help people in all types of situations, if you are a person with poor to fair credit, you may benefit the most by working with them.
Monevo specializes in assisting people to find the right financial solution based on their individual needs. With their large lending and financial network exceeding 30 providers, you can be sure there is no place better to go to ensure you get connected with the best option and receive a top-rated customer experience. Monevo lender rates start at 3.99% A.P.R. but may vary based on your credit history and income.
Their process is straightforward. Fill out a short form on their website, fand you will receive an instant response, without affecting your credit score. If you have been turned down before, Monevo is ready to help you.
4 Trade-In Your Car For A Cheaper Car Payment
Yes, we are telling you to dump your beloved whatever and get a lower-end model.
Because of the way the economy is moving, you’re likely paying a lot more for your car, truck, or S.U.V, than you should.
Selling or trading in your car and getting a new one can lower your monthly costs while saving you a ton on tune-ups, gas, and more. Auto Credit Express can take care of all the complicated stuff QUICKLY so you can give yourself one less financial headache.
5. See If You Qualify For Help
If you have been thinking about it, now is the time to act on it. Many people do not know if they qualify for Social Security disability. If you haven’t been unable to work, or have recently become unemployed, due to a disability, you should do your research.
Utilizing a Social Security Disability attorney or advocate could improve your chances of getting approved for extra benefits.
If you want to learn more, you can complete this simple form. You can get the facts and see if it makes to file with an attorney to see if you qualify for Social Security benefits.
6. Use This Service To Keep Your Credit Score As High As Possible
One way to save money is by lowering your interest rates on your credit cards and loans. If your credit score is higher, it’s easier to do. Experian Boost™ was built to help people with no credit or bad credit to 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.
If your goal is to get your credit on the right track, you must try Boost! It’s free! Results may vary, see website for full details.
7. Stop Using Your Credit Cards And Try This Shopping Site
Wouldn’t it be great if there was a place you could do ALL of your year’s shopping on affordable credit WITHOUT a credit card?
Well now there is, and you don’t have to wait in line at the mall to shop there.
Fingerhut is a store that extends in-store credit to qualified customers. And the holiday shopping goodness is extensive. They have designer clothes from designers like Michael Kors, Tory Burch, Ralph Lauren, and more. Plus cutting-edge electronics and computers from brands like; Apple, L.G., and Samsung. You can purchase jewelry, furniture, appliances, and more. There’s a fixed 29.99% A.P.R. for all purchases. It’s just like shopping at Amazon, but you don’t have to pay right away if you don’t have the cash on hand.
Fingerhut saves the day for families around the country every year. See if Fingerhut is right for you.
8. Join This Survey Site And Earn Money From Your Couch
Survey Junkie is a tool that pays you to fill out surveys. That’s right; someone will PAY you for your opinions.
You can earn up to $10 an hour and redeem your cash for gift cards to Amazon or Target or get the money sent to your PayPal account.
Think about it. If you spend as much time on Survey Junkie as you do on Facebook, you could pull in some serious cash this month!
9. Get A Life Insurance Policy To Protect Your Family From Creditors
Ladder offers term life insurance policies, meaning premiums don’t change for the entire term length of the policy. Plans are available with term lengths of 10, 15, 20, 25, 30 years.
Ladder’s application is entirely online and typically takes around 15 minutes to complete. Many applicants will receive a decision immediately, reducing the typical application time by several weeks. That means no blood tests, no exams, and no waiting!
You can purchase a term policy from Ladder with a face value between $100,000 and $8 million.
If things are tight, remember you will get back on your feet. But, if something were to happen to you, you need to make sure your loved ones are protected.
10 If You’re Feeling Lucky, Even If You’re Not, 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.
11. If You’ve Become Unemployed, Get The Facts
Unemployment numbers will likely continue to rise as more businesses close shop during these unprecedented times.
The U.S. Department of Labor has issued guidance, giving states flexibility to amend their laws to extend unemployment benefits to workers who have been impacted.
Use this unemployment benefits finder tool to find specific details on your state’s unemployment insurance program. Many states allow you to file for unemployment benefits online, while other states provide toll-free numbers and alternative ways to file.
12. If You Need To Talk To SomeOne
These are crazy times, but rest assured they will get better. Sometimes we need to talk to someone. If you’re isolated or need the sound advice of someone outside your inner circle, some services can help. You can text 741741, and you can quickly get in contact with an advisor from the Crisis Text Hotline. Help is just one text away.
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 these page: