When Money is Tight, Here are 5 Resources That Can Help #Finance Solutions

how to get out of debt

When money is tight, you can feel like there is no light at the end of the tunnel.

You are drowning in bills and just when you catch up, you’re right back in the hole the next month. Credit cards may seem like the answer, but now you’ve got more debt on top of other debt.

Here are five resources that can give you some relief when you feel like there is no end to your mound of debt.

1. Ask for Help

We know asking for help is hard, but when you’re really in need, these resources are here to help you get back on track. Try 2-1-1, a confidential service offered through United Way. It’s a clearinghouse for help with food, housing, utilities and employment. They will help you find the resources you need to help with rent or pay utilities.

You can also look into applying for a grant.

2. Consolidate Your Debt

Sometimes finance solutions come in the form of a loan. When you have credit card debt, consolidating your payments into one payment can mean the difference of having enough money to eat every month or not.

Because they tend to have lower interest rates than credit cards, many people will take out a personal loan to pay off existing debts.

Credit unions tend to have the best rates locally, but if you don’t have time to apply for one, you can search the web.

3. This App Can be a Lifesaver

The first of the month can be the worse day of the month when it comes to bills. When rent is due and you are short, wouldn’t you love to get an advance on your paycheck?

Brigit could be a finance solution! This app will lend you $250 to hold you over until your next paycheck clears. And no — it’s not a payday loan with some crazy interest rate.

There are no interest charges or late fees at all. You just need a job that pays at least $1,500 a month in direct deposits and your account can’t be overdrawn at the time of signup.

Brigit costs $9.99 a month. Just download Brigit, and pay for your first month to get your $250.

what to do when money is tight

4. Get Paid $225/Month to Watch Videos

Most Americans have busy lives, and even though they would like to add a side hustle, they can’t. Here’s an effortless way to earn some extra cash this month.

A research company called InboxDollars will pay you to watch short video clips online. Yep, who doesn’t have time for that. Can we say “multitasking”?

You can earn up to $225 a month without having to get another job. InboxDollars is a legit company that pays you in cash — no points or gift cards like other survey sites!

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

5. Earn more money Delivering Groceries

Now, if you do have sometime for a side hustle, delivering groceries is one of the best options for making some quick extra cash. More and more people are doing delivery jobs.  Places like Instacart and Shipt  will pay you up to $22 an hour for going to the store to pick up and deliver someone else’s groceries in your spare time.

We talked to one shopper, Samantha, from Davenport, who says Instacart earns her close to $600 a week. She loves making her own schedule and has fun shopping for others. She has actually made delivery jobs her full-time gig!

Just sign up online. Once you’re approved, both places send you a prepaid card to buy the groceries and deliver them to customers.

 

 

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