11 Moves If You Want to Stop Living Paycheck to Paycheck

Last updated May 14, 2021 | By FinanceBuzz Editors
woman holding phone checking money app

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Living paycheck to paycheck can mean sleepless nights spent wondering how you'll cover your bills if something unexpected happens. Even if you're an expert at timing your bill payments so nothing bounces, it's still SUPER stressful.

Ready to break the cycle of living paycheck to paycheck (and finally sleep soundly again)? We've got some simple moves you can make today to start earning and saving more. Let's do this!

Cancel your car insurance

We’ve got bad news. You’re probably wasting at least $500 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there’s something much better.

This new tool from FinanceBuzz can tell you if you’re overpaying for your car insurance in just a few clicks. On average, we find around $500 a year in savings for drivers. And once you try it out, you’ll never have to look for affordable insurance again because we find you the lowest rates that other companies can’t match.

Oh, and it’s also free. And come on — you can’t tell us you don’t want to save $500. To find out if you’re losing $500 or more a year, just enter your zip code here, answer a few questions and see if you’re overpaying. It takes less than 2 minutes.

See if you’re overpaying

Get $5 to start investing in Apple, Amazon, and other companies

If you want to break the cycle of living paycheck to paycheck, it may be time to take a look at starting to invest for your future. Even if you don't have a lot of money to invest, you don't have to let that stop you — you can start investing with $5 or less.

Stash was built to help beginner investors get started. You can buy fractional shares (partial shares) in companies that are household names like Apple, Google, Amazon, and more1. Normally a single share of these companies could cost hundreds or even thousands of dollars, but you only need as little as $5 to get started with Stash.

Stash also offers tools and guidance to help you along the way and you can use the Stash app to track your investments from anywhere.

As a bonus, Stash will give you $5 to invest after you deposit $5 or more into your personal portfolio.2 Want even more tools and guidance? If you choose the Stash+ plan3 when signing up, you can earn 2x stock rewards when you spend on eligible purchases!4

Sign up for Stash now

Get hassle-free renters insurance starting at $5/month

Protecting your home is important, but dealing with insurance companies can be such a drag. They give you the hard sell up front. You make your monthly payments, but when you actually need money for a claim, it's delay after delay.

Lemonade is a new type of insurance company that takes the hassle out of home, renters, and condo insurance. Using AI and transparent business practices, they make it easy to find the perfect policy in just minutes. If you already have insurance, they'll help make the switch simple and seamless. If you need to file a claim, they're committed to paying claims instantly whenever possible. More proof this isn't your typical insurance company: Lemonade donates leftover money at the end of the year to causes that you - the policyholder - care about.

Lemonade offers renters insurance policies starting at just $5 per month and homeowners policies starting at just $25 per month.

Get a quote today

See if you can raise your credit scores in real time

Your credit scores affect whether you can get approved for a loan, a credit card, or even a new job. Usually it can take weeks or months to improve your credit scores, but there's an innovative new feature that could help you raise your FICO® Scores9 instantly.

Experian Boost™ can help you get credit for making on-time payments for your phone and utility bills. The process takes just minutes and if qualifying payments are identified, you can include this positive information in your Experian credit file. (Don't worry: If you have any negative marks, those won't count against you.)

Since launching, Experian Boost has collectively increased FICO® Scores across America by over 10 million points. It's 100% free and new potential credit scores take effect immediately.

Sign up for Experian Boost now

Get paid $150 to ditch your debit card

If you’re using your old debit card for everything, you are probably missing out on serious cash, rewards, and benefits. With an Aspiration Spend & Save account, you’ll get $150 for opening a new debit card - just open an account, use your Aspiration debit card to make at least $1,000 in purchases within 60 days and you’ll get $150!6

You’ll also be eligible for up to 10% cash back on purchases and 1% APY on your balance – that’s 14x the national average interest rate.7

Not to mention unlimited fee-free withdrawals at over 55,000 ATMs. Best of all there’s no minimum credit score!

Sign up with Aspiration

Crush your debt with a historically low interest loan

If you’re looking for a chunk of change and earn more than $20,000/year, a personal loan could be a good option.

Our partner AmOne will match you with loan providers to fit your specific needs. In only 2 minutes, you could get matched for a loan up to $50,000 and rates as low as 3.49%.

Why not see if you qualify? It will NOT affect your credit score.

Get a loan offer here

Turn your skills into cash

If you're handy, you take those skills and turn them into cash. 

With new projects coming through HomeAdvisor every two seconds, there's something for everyone. Whether it's painting, mowing lawns, cleaning houses or larger projects like roof and fence installations, HomeAdvisor can connect you to these jobs. HomeAdvisor will set you up with an online business profile and help you collect customer reviews to land your next job.

With over 100 million lifetime service requests and thousands of users searching every day, what are you waiting for?

Sign up for HomeAdvisor here

Get a free stock valued at up to $200

Robinhood is a great option for both new traders and seasoned investors.

With Robinhood it’s completely free to buy and trade stocks, options, and more. All trading is commission-free with no account minimums or maintenance fees. They’ll even give you a free stock in a company like Apple, Sprint, or Ford.

Sign up using the link below and Robinhood will add 1 free share of stock (valued at $2.50 to $200) to your account when your brokerage application is approved.

Sign up for Robinhood now

Bonus: Build wealth better than the 1%

The 1% doesn’t deserve all the riches. So why do we keep letting it happen?

Worthy is an email newsletter that teaches you how to invest smarter, earn more money, and live the life you want. It’s for the rebellious, the radical, the 99%er who fights like hell to earn their keep. Easily consumed in less than 5 minutes a day, you’ll get the latest financial resources, news, and money trends that could impact your wallet for years to come.

Join Worthy today (It’s free)

Stash Benefits

  • Get $5 to make your first investment
  • Invest in stocks, bonds, and ETFs
  • Fractional shares available
  • Start investing with just $1