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

MAKE MONEY - MONEY GOALS
Last updated March 26, 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:

Ask this company to pay off your credit card debt

Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.

National Debt Relief is designed specifically to help you get out of credit card debt faster, without having to make drastic life changes. With National Debt Relief, you could pay off your credit card debt (with potentially way less interest) in one simple monthly payment.1

How to get National Debt Relief to pay off your debt: Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can immediately assist you in paying off your debt, but only if you schedule the assessment.

Try it

Pay no interest on balance transfers until December 2025

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.

Click here to Apply Now

Get $50 off and 1 month free with this home warranty

True: You do NOT have to buy a new home in order to get a powerful home warranty. Here’s why …

Choice Home Warranty allows nearly any eligible homeowner to purchase a warranty through them and start protecting their home systems and appliances right away. Home warranties can protect things like your AC, electrical system, dishwasher, fridge, and more when using insurance isn’t an option.

This could easily save you $1,000s of dollars every year … for not much money at all. If you’ve ever had some sort of issue pop up at home, getting this warranty is almost a no-brainer. (It’s crazy how many people aren’t taking advantage of this.)

Choice Home Warranty has serviced over 1 million homes, and operates 24/7/365 — if something covered breaks down, just go online or call to get the process started.2 Even better … for a limited time, get $50 off and 1 month free when you sign up through FinanceBuzz.

Get $50 off and 1 month free here

Eliminate your late tax debt

Each year, the IRS forgives millions in unpaid taxes. If you have more than $10,000 in tax debt, or have 3+ years of unfiled taxes, you could get forgiveness too. You might be eligible to lower the amount you owe, or eliminate your tax debt completely.

Easy Tax Relief could help you lower or get out of your tax debt for good. They’re well respected in the industry and have been recognized for their ethical standards when dealing with tax debt. While most tax companies just put you on a payment plan and file your taxes for you, Easy Tax Relief talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.

Fill out this form to get started

Unlock up to 10% cash back your first year with this incredible offer

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. 

You can earn cash back just by using this card for your everyday purchases — 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. This is great for someone who wants to pay down debt or finance a large purchase while still earning rewards.

Accepted by 99% of merchants, if you want cash back, the Discover it® Cash Back card can help put more back in your wallet.

The best part? There's no annual fee.

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

Stop wasting money on overpriced car insurance

We've got bad news. You could be wasting $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. We match drivers with companies that report saving drivers up to $500 or more per year when they save! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. 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 up to $500. To find out if you're losing up to $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

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

Earn up to $75/hour working from home

Bookkeeping is a basic (but powerful) way to earn money online.

And while $75/hour might sound like a lot of money, the data backs it up: Thanks to its high profit, low cost nature, Foundr Magazine has described it as one of the most profitable businesses you can start …

Plus, data from a 2021 survey by Intuit shows that the average hourly rate for this in-demand skill jumped from $69/hour to $75/hour! This unique skill can help you supplement your existing income … or even replace your current job.

Start learning how to launch a bookkeeping business by taking this free 3-class intro from Bookkeepers.com. The classes cover:

  • How you can own a virtual bookkeeping business.
  • What it takes to run a profitable virtual bookkeeping business.
  • How to land high paying clients … even if you've never done bookkeeping!

BTW: You don’t need to be a math savant or even have an accounting degree. Like anything, it does take work, but you can be successful even if you’re busy with kids, family, or a regular 9-5 job.

Enter your first name and email here to access the training

National Debt Relief Benefits

  • No upfront fees1
  • One-on-one evaluation with a debt counseling expert
  • For people with $7,500 in unsecured debts and up

Want to learn how to make an extra $200?

Get proven ways to earn extra cash from your phone, computer, & more with Extra.

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