When Money is Tight, These 7 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 seven 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

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. 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 iPhone 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.

3. See if You Can Get Money From This Company

a woman logs into her bank account on her cell phone.
Tina Russell/The Penny Hoarder

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on free money. And who doesn’t want free money?

Yep. A debit card called Aspiration gives you up to a 10% kickback every time you swipe.

Need to buy groceries? Free money.

Need to fill up the tank? Bam. Free money again.

You were going to buy these things anyway — why not get free money in the process?

Enter your email address here and link your bank account to see how much extra cash you can get with a free Aspiration account. Don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s just nerd talk for “this is totally safe.”

4. Cancel Your Car Insurance

How often are you even using your car right now? Regardless, there’s one thing we’re nearly certain of — you’re overpaying on car insurance.

That being said, shopping for car insurance is a pain, which is why we like using a free service like Insurify.

In just a few minutes, you can see if any other companies are offering a cheaper rate with the same coverage and deductibles you already have. People are finding policies for as low as $29 a month.

All you have to do is answer a few simple questions about you and your car — this takes no more than three to four minutes. They’ll ask you for your contact information, but don’t worry: They won’t bombard you with calls or texts or sell your info to spammers. If you find a better deal, you can sign up online and finally stop wasting money.

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

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates. But a website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.99% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

6. Get Paid to Watch Cooking Videos

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 called InboxDollars 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 $56 million.

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

7. Get Paid Every Time You Buy Toilet Paper

Chris Zuppa/The Penny Hoarder

Grocery shopping was never exactly pleasant. But these days, it’s a downright struggle. Fighting crowds; keeping six feet of space — just buying toilet paper is a feat. Shouldn’t you have something to show for it?

A free app called Fetch Rewards will reward you with gift cards just for buying toilet paper and more than 250 other items at the grocery store.

Here’s how it works: After you’ve downloaded the app, just take a picture of your receipt showing you purchased an item from one of the brands listed in Fetch. For your efforts, you’ll earn gift cards to places like Amazon or Walmart.

Download the free Fetch Rewards app here and scan your first receipt to start getting free gift cards. Over a million people have already done this, so they must be onto something…