5 Moves to Make If You Have Under $600 in the Bank Account · The Penny Hoarder
When money is tight, you can feel like you’re drowning.
You finally make that late payment on one bill, and the next one shows up in the mail. You turn to credit cards to stay afloat, but those bills pile up, too. And just when you think you’re in the clear and a nice paycheck comes rolling in… the rent is due.
Here are seven resources that can give you some relief when you feel like your wallet is stretched as far as it can go.
1. Let This App Pay You up to $83 When You Win 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 Cash that 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 app and start playing your first game immediately.
2. Get Paid 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 InboxDollars 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, InboxDollars won’t replace your full-time job, but it’s possible to earn up to $225 a month.
It’s already paid its users more than $56 million.
It takes about one minute to sign up, and you’ll immediately geta $5 bonus to get you started.
3. See if You Can Get 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.”
4. Cancel Your Car Insurance
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. Ask This Website to Pay Your Credit Card Bill This Month
No, like… the whole bill. All of it. All that debt racked up from the 300 destination weddings your friends made you attend (thanks!) could be paid by the end of this month.
Your credit card company is ripping you off with insane rates, and it’s getting rich off of you. But there are other, nicer companies that’ll help you out. A website called Credible knows the best ones and could pair you up as soon as tomorrow.
Here’s how it works: Credible will match you with a loan that’ll cover your credit card tab. Use that loan to pay off your debt, then make monthly payments to repay the loan. It could lower your monthly payments and help you pay off that debt a lot faster. Plus, no credit card payment this month.
Credible won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.
Now you can finally stop holding a grudge against that friend who thought a Mexico wedding was a good idea.