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When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
We’re not judging — we don’t roll like that. We’re here to help. We just don’t want you to have to sell those Elvis-Presley-signed velvet pants you inherited just to pay some lousy plumbing bill. Those pants are sweet.
Try these eight tips to get the ball rolling, and start building up your savings so you can breathe a little easier.
1. They Ask This Group for Some Help
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. It’s there for people like you.
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. If you’ve never asked for help before, that means you don’t know what kind of help is out there.
You can also look into applying for a grant. Take, for example, Modest Needs grants, which are designed for workers just about the poverty line who are ineligible for most other forms of social assistance.
2. They Ask This Website to Pay Their Credit Card Bill
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 AmOnewants 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.
3. They Let This App Pay Them up to $83 For Winning 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 Cashthat 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 appand start playing your first game immediately.
4. They Cut Their Car Insurance Bill to $29/Month
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. They Get Paid up to $225 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 MyPoints 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, MyPoints won’t replace your full-time job, but you can earn up to $225/month.
It’s already paid its users more than $236 million.
It takes about one minute to sign up, and you’ll immediately get a $5 bonus to get you started.
6. They Get Money Free Money From This Company
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.”
7. They Get Paid For Buying Toilet Paper
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…
8. They Earn up to $25/Hour Delivering Food
Cities around the country are filled with two things: incredible restaurants and busy people.
You can help connect them by delivering food through DoorDash.
As a “Dasher,” you’ll work as an independent contractor, setting your own hours and working as much or little as you want, meaning how much you can make is up to you.
You’ll earn a $6 fee for each delivery, plus keep 100% of your tips. Depending on the day, you could earn up to $25 an hour. If you drive full time, that’s $1,000 a week!
For a real-life case, Jose Neri, a former Dasher in California, reports earning $500 to $600 a week working just lunches and dinners. They could take about two-and-a-half deliveries an hour, and users would tip between 10% and 15%.
All you need to get started is an insured vehicle or a bicycle and a smartphone. You should be at least 18 years old and have a minimum two years’ driving experience.
If you’re interested in becoming a Dasher, you can learn more here.