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10 Ways To Supplement Your Income If You’re Barely Scraping By Financially

Last updated May 24, 2024 | By FinanceBuzz Editors
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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:

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 18.24% - 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.

Pay no interest until 2025

Imagine getting an introductory 15 months with 0% intro APR on a big purchase or balance transfer (APR then 18.24% - 28.24% Variable). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading no-interest cards — the Discover it® Cash Back(Rates and fees).

Cardholders get a generous intro APR of 0% for 15 months on purchases (APR then 18.24% - 28.24% Variable) — that means you can cover bills, large purchases, or whatever you need to charge and not pay interest until 2025! 

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 for 15 months on balance transfers (APR then 18.24% - 28.24% Variable). 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!

The best part? The Discover it® Cash Back card is accepted by 99% of merchants, boasts an exceptional cash back rewards rate, and there's no annual fee.

Click here to Apply Now

If you’re over 50, take advantage of massive discounts and financial resources

Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on things like travel, meal deliveries, eyeglasses, prescriptions that aren’t covered by insurance and more.

How to become a member today:

  • Go here, select your free gift, and click “Join Today” 
  • Create your account (important!) by answering a few simple questions 
  • Start enjoying your discounts and perks!

You’ll also get insider info on social security, job listings, caregiving, and retirement planning. And you’ll get access to AARP’s Fraud Watch Network to help you protect your money, as well as tools to help you plan for retirement.

Important: Start your membership by creating an account here and filling in all of the information (Do not skip this step!) Doing so will allow you to take up 25% off your AARP membership, making it just $12 per year with auto-renewal.

Become an AARP member now

Don't let home repairs drain your bank account

Did you know if your air conditioner stops working, your homeowner’s insurance won’t cover it? Same with plumbing, electrical issues, appliances, and more. Not being able to make repairs could leave you in a bad situation — but a home warranty could protect you against surprise expenses.1

Whether you’re a brand-new homeowner or you’ve owned your home for years, a plan from Choice Home Warranty could pick up the slack where homeowner’s insurance falls short.

If a covered system in your home breaks down, you can call their hotline 24/7 for assistance to get it repaired. They have a network of over 15,000 technicians that can assist you, making sure any issue can be taken care of swiftly — without breaking the bank.

Not sure if it’s for you? Rest easy: they were named one of the "Best Home Warranty Companies" by US News 360 Reviews and were awarded Best Company's 2020 Consumer's Choice Award. For a limited time, you can get your first month free when you sign up for a Single Payment home warranty plan.

Get a free quote

Earn a $200 travel bonus with this incredible card

There's a credit card that's making waves with its amazing bonus and benefits. The Capital One VentureOne Rewards Credit Card(Rates and fees) has no annual fee and you can earn 20,000 miles after spending $500 in purchases in the first 3 months.

You can earn additional points just by using this card for your everyday purchases — unlimited 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through capital one travel. The 20,000 miles can be redeemed for $200 toward travel.

Purchase and Transfer APR: 19.99% - 29.99% (Variable).

If you want to travel more, the VentureOne card can help you get where you want to go.

Click here to apply now.

Never pay for covered car repairs again

You’re a money-savvy car owner. You scored a great price for your car and shopped around for a low auto insurance rate too.

With Endurance's auto protection plan, you can continue to be money-smart as your car ages and incurs increased upkeep costs.

Let’s face it: Maintaining a car five or ten years old can be costly, and those expenses often start around the time your manufacturer’s warranty expires.

Endurance helps cover many of those costs, and they have different coverage plans, so you can pick the best one for your situation.

Even better news? Elite features come free for one year:

  • 24/7 roadside assistance.
  • Collision discount up to $500.
  • Total loss protection up to $1,000.
  • Key fob replacement up to $500.

Bonus: Sign up and get $300 off your new contract.

It only takes a few minutes to get a quote.

Request a free quote now

Alert: No annual fee travel card has a low intro APR into 2025 and an epic welcome offer worth $200!

If you're someone who loves to travel, the Capital One VentureOne Rewards Credit Card(Rates and fees) is the perfect companion for your adventures. New cardholders can earn 20,000 miles after spending $500 in purchases in the first 3 months - that's a $200 value - all without an annual fee! Miles can be redeemed for $200 toward flights, hotels, and car rentals, OR statement credits, gift cards, and transfers to over 15 airline or hotel partners!

Not to be overlooked is a 0% intro APR on purchases and balance transfers for 15 months (balance transfer fee applies), then APR 19.99% - 29.99% (Variable). That means you can focus on paying off your debt now and start enjoying the peace of mind that comes with saving money on interest.

So if you're gearing up for your next adventure or want to take a break from interest, the Capital One VentureOne Rewards Credit Card should be at the top of your wallet.

Annual fee: $0

Click here to apply now for the Capital One VentureOne Rewards Credit Card now.