6 Things To Do If You’re Barely Scraping By Financially

Last updated April 16, 2024 | By FinanceBuzz Editors

You’ve got just enough money in your bank account to last until Friday … but then Monday rolls around, and you’re in the same situation. Again.

Food. Bills. Rent. Gas. They dry up every bit of your take-home pay.

But it doesn’t have to be this hard. With a few smart moves, you could supplement your income — without doing much extra “work,” or even getting a side job!

Here’s what to do:

Get out of $20,000 or more in credit card debt

If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to get out of debt once and for all?

TurboDebt¹can help. If you have more than $20,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives might be able to assist you in consolidating your debt into one low monthly payment.

Best of all? There are zero fees until your debt is resolved, and you could be debt-free in as little as 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!

Try TurboDebt

Pay no interest on balance transfers until January 2026

Imagine getting 21 months with 0% interest on a balance transfer. Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Citi Simplicity^® Card.

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 21 months. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers though. Cardholders also get a generous intro APR of 0% for 12 months on purchases. After the intro period for purchases and balance transfers, the APR is 19.24% - 29.99% (Variable).

The best part? There's no annual fee with the Citi Simplicity^® Card(Rates and fees).

Click here to Apply Now to the Citi Simplicity^® Card

Don’t pay a CENT to contractors for home repairs until you do this

If you’ve ever paid even a cent to a contractor or service tech to fix an issue at your home, then you know how frustrating the inevitable bill can be. You’ve got other bills to pay, groceries to buy, a mortgage to afford — and home repairs just suck your money away.

This unique home protection plan could help you stop spending tons of money to fix your house. But … is something like this even legit? Yes, it is. But you need to use it correctly.

The truth: These plans cover specific items in your home (that you choose) that break down from routine wear and tear. And they could help you keep potentially $1,000s of dollars in your pocket. Most plans are really affordable, too, and worth the peace of mind.

If you want to get one for your home, this company is offering $50 off and 1 month free.² They’ve covered more than 2,000,000 homes across the USA and have thousands of 5-star ratings from their customers.

Get $50 off and 1 month free with this link

Unlock up to $1,070 value over the next year with this incredible card

There's a credit card that's making waves with its amazing bonus and benefits. The Discover it^® Cash Back (Rates and fees) card has no annual fee, and Discover will match all the cash back you’ve earned at the end of your first year. This generous welcome offer and the top-notch cash back rewards provides an estimated $1,070 value in the first year!

The excellent $1,070 first-year value is estimated through the FinanceBuzz Credit Card Rewards Valuation Model based on spending, the welcome bonus, and the annual fee. The actual value will be determined by how much and in which categories you spend, but this card makes racking up valuable rewards easy! Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, including gas stations, grocery stores, and restaurants. Plus, you'll earn 1% cash back on all other purchases automatically. The welcome offer combined with the up to 5% cash back reward rate could be worth up to 10% cash back!

This card also offers an intro APR of 0% for 15 months on purchases and balance transfers, then APR 17.24% - 28.24% Variable. To top it all off, the Discover it^® Cash Back is accepted by 99% of merchants, and there's no annual fee.

Click here to apply now for the Discover it^® Cash Back.