When Money Is Tight, These 12 Resources Will Help Nearly Anyone
Christina Rodgers
When cash is tight, you can start feeling like the walls are caving in.
Almost 50 million Americans didn’t pay their credit card bill last month. That is just mind-blowing. It’s time to take a deep breath, and look here for
Here are twelve programs and services that can help calm your nerves and give you the relief you desperately need right now.
1. 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.
2. See If One Of Their Lenders Could Loan You $3,000 This Week
Most of us have debt. But finding the right personal loan and getting approved can take months. To live the life you want, you need to manage your debt. That’s why Even, the leading search, comparison, and recommendation engine for financial services, created “Fiona”.
Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds, so you can get instantly matched with the right personalized offer all in one place. You can borrow as much as $100,000, with loan terms of up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply.
3. This Company Will Pay Up To $150 In 30 Days
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.
4. Try This Loan Service Wants To Pay Off Your Credit Card Debt
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.
5. Cancel Your Car Insurance Now
You’re probably paying too much for your car insurance.
That’s where Gabi comes in! Gabi is an auto insurance comparison website that allows people with all types of credit to compare several insurance companies to find a provider they can afford. Just show them your current policy, and they will search to find you the lowest rate. On average, Gabi users save $961/yr.
You will be able to compare rates from companies like Progressive, Travelers, Nationwide, Safe Co., ClearClover, Kemper, The General, and many more. If you don’t get a free quote, you must have money to burn!
6. Use This App To Try & Keep Late Payments Off Your Credit Report
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.
7. Use This App To Try & Keep Late Payments Off Your Credit Report
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.
8. Don’t Max Out Your Credit Cards, Use This $2500 Line Of Credit Instead
Zebit maybe the most unique Buy Now Pay Later (also known as BNPL) service. Zebit offers members the flexibility to pay for anything they buy overtime at their online store. This also includes gift cards! Zebit members can finance gift card* purchases to stores like Macy’s, Target, Lowes, Banana Republic, Old Navy, Gap, and more. Members can use these gift cards to shop at their favorite stores. It’s just like creating your very own BNPL account at Target!
Zebit also allows you to shop at their online store. Zebit offers every type of product you can imagine. Electronics, beauty products, furniture, jewelry, clothing, baby items, and appliances. Shop directly from Zebit’s website for major brands like Tori Burch, Apple, MCM, Samsung, Fitbit, Kitchenaide, Sony Playstation - you’re not getting cheap stuff!
9. This Survey Site Will Pay $250 In 30 Days To Preview Shows
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!
10. Ask Your Utility Companies To Lower Their Rates
BillShark, backed by Shank Tank star Mark Cuba, is a bill negotiating tool that will negotiate savings on your monthly bills. You only pay if Billshark saves you money. BillShark claims to have an 85% success rate.
They are professional bill negotiators and have experience negotiating savings on monthly bills at top companies such as Cox, ADT, Comcast, Time Warner, DirecTV, Verizon, and many more.
BillShark works because you open an account with them, download their mobile app, snap photos of your bill, and then upload them to BillShark. You’ll input some info about yourself as well. BillShark will ask what parts of your statement are okay to negotiate.
11. ReFinance Your Home ASAP
If you’re having issues making ends meet, you’re not alone. But chances are, you may be one of the few people who are not looking to restructure their mortgage. Mortgage companies understand that the pandemic has wreaked havoc on the economy.
As we all know this will pass, but in the meantime, you should look to work with a lender who wants to assist you in refinancing your current mortgage. Lending Tree is that company. They have one of the largest networks of lenders in the country. Simply fill out some information and let the competition begin. Lenders will compete to get you
12. 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.
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: