When Money is Tight, These 9 Resources Will Help Nearly Everyone

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When money is tight, you can feel like you’re drowning.

You finally make that late payment on one bill, and the next one shows up in the mail. You turn to credit cards to stay afloat, but those bills pile up, too. And just when you think you’re in the clear and a nice paycheck comes rolling in… the rent is due.

Here are nine resources that can give you some relief when you feel like your wallet is stretched as far as it can go.

1. Ask for Some Help — You Deserve It

The arms of two people are shown extending toward one another beneath a shining sun and palm trees.
Tina Russell / The Penny Hoarder

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. 

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.

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

We know asking for help is hard, but when you’re really in need, these resources are here to help you get back on stable ground.

2. Ask This Website to Pay Your Credit Card Bill This Month

If you’re struggling to pay bills, we bet your credit card balance isn’t looking so hot, either. So we found a company that’ll help you take care of it. No, like… the whole bill could be paid by the end of this month.

Your credit card company is ripping you off with insane rates, and it’s getting rich off of you. But there are other, nicer companies that’ll help you out, including a website like Fiona.

Here’s how it works: Fiona will loan you up to $100,000 so that you can cover your credit card tab. Use that loan to pay off your debt, then make monthly payments to repay the loan. It could lower your monthly payments and help you pay off that debt a lot faster.

Plus, no credit card payment this month means money is immediately freed up.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

3. This Bank Will Let You Borrow $100 for Free

It’s halfway through the month, but your paycheck doesn’t come until next week. You’ve still got the electric bill to pay, and the pantry’s empty. What do you do?

A bank called Chime will lend you the cash — for free.

Chime will spot you up to $100 at any time. And unlike a payday loan — it’s free.

For this to work, take two minutes to sign up for a free account today. You’ll join four million others Americans that have already switched their bank account to Chime. You also need to set up direct deposit, but Chime makes it easy for you. 

Now you don’t have to live on ramen until your paycheck comes.

4. This Research Company Will Pay You up to $225/Month to Watch Videos

You probably don’t have time for a second — or even third — job, but we found a more effortless way to earn some extra cash this month.

A research company called InboxDollars will pay you to watch short video clips online. All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. 

It’s possible to earn up to $225 a month without having to get another job.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately get a $5 bonus to get you started.

5. Cancel Your Car Insurance

If you need to free up some extra room in your budget, one of the easiest places to start is to cut back on your monthly bills — like your current car insurance.

In most places, it’s straight up illegal not to have it, so you’ve probably accepted that you’re going to pay through the nose for it. But you don’t have to.

A free website called The Zebra will find the best deal for you — in just two minutes. 

All you have to do is enter basic information about your car and driving history, then The Zebra compares prices from more than 100 companies to find you the best price.

The Zebra says it saves its users up to $670 a year.

If you find a policy you like, you can sign up online instantly.

6. Search Your Wallet and Cash in on Your Dollar Bills

A crisp dollar bill being held out over a pair of blurred out sneakers.
Tina Russell/The Penny Hoarder

Specifically, dollar bills with strange serial numbers — ones that aren’t easy to come by. The collectors at CoolSerialNumbers.com will pay you big bucks if you have a bill with a rare sequence in your wallet.

Turns out antique coins aren’t the only currency worth cash to collectors.

Check out their website for a full list to see if you’ve got any of these rare bills, but here’s a rundown of the sort of serial numbers these collectors are looking for:

  • 7 repeating digits in a row on $1 Federal Reserve Notes (i.e. 09999999, 77777776)
  • 7 of a kind on $1 Federal Reserve Notes (i.e. 00010000, 99999099)
  • Super repeaters on $1 Federal Reserve Notes (i.e. 67676767)
  • Double quads on $1 Federal Reserve Notes (i.e. 00009999)
  • and more!

 

7. Trade Your Old Receipts for Cash

What do you usually do with your receipts? You check out, they hand you a mile-long piece of paper, and you frantically stuff it to the bottom of a grocery bag. Pretty worthless.

But a free app called Fetch Rewards will turn them into cash. It partners with tons of brands to give you points for every grocery receipt you share. Then you can exchange them for Visa gift cards.

And it’s perfect for those of us who don’t want to put a ton of work into this. All you have to do is send Fetch a photo of your receipt, and it does everything for you. No scanning barcodes or searching for offers — and you can use it with any grocery receipt.

When you download the app, use the code PENNY to automatically earn 2,000 points when you scan your first receipt. Then start snapping photos of your recent receipts to see how many points you can earn without a single trip to the store!

Not so bad for a useless receipt, right?

8. Make up to $15/Hour to Pick up Milk for Your Neighbors

The grocery store is a surprisingly zen place. Somewhere between the soothing elevator music, the free samples and the wafting aroma of rotisserie chicken, you settle into a peaceful groove. 

None of the stress of work or home — it’s just you and the aisles.

Some people, for some reason, don’t feel the same. They’d rather avoid it altogether. And with an app called Postmates, you could get paid to pick up a few extra groceries for them. 

Even better than getting paid to grocery shop? If you need the money, like, now, you can cash out instantly after each delivery.

Holly Gaston, of San Francisco, California, has tried plenty of side gigs. With Postmates, she makes an average of $15 an hour. Plus, she says it’s been much more enjoyable than any of her previous side gigs.

Signing up shouldn’t take you more than about three minutes. The hardest part will be choosing which selfie you want to use as a profile pic.

9. Get Free Scratch-off Tickets For a Chance to Hit The Jackpot

Man scratching lottery ticket.
StevieS/ Getty Images

Hitting a big jackpot could solve a lot of your problems right now. It’s tempting to buy those scratch-off tickets from the gas station. But that’s not the best use of your money when you’re in a bind. 

Instead, try playing for free using an app called Lucktastic. Each day, it releases a new assortment of digital scratch-off tickets. Lucktastic says instant wins range from $1 to $10,000, in cash or gift cards to popular retailers.

We talked to single dad Oneil Campbell, from Boston, who was shocked when he won a $5,000 Lucktastic prize.

The app is supported by advertising, which allows it to keep the payouts high and the games free. It’s not guaranteed money, but at least Lucktastic is free to play. And hey, somebody’s gotta win.

“I didn’t see that one coming,” Campbell says with a laugh. “I really didn’t. This is something good that happened to me at the right time — when I can really use it.”