Few things are more terrifying than checking your bank balance and seeing a negative number.
That means you’re not just broke, but overdrafts and late fees have pushed you further into the red. Now you have to square up with the bank before you can even think about paying bills.
It can feel like your trapped in a never-ending spiral. But it doesn’t have to be that way.
Use this list of cost-cutting techniques and work-from-home side hustles to bootstrap that bank account back to a healthy number. How does $1,000 sound?
Without further ado,
1. Never Overdraft Your Bank Account Again
The first step to bootstrapping that bank account is to stop paying overdraft fees and late fees.
To do that, we recommend the Earnin app. Earnin connects to your bank account and pays you at the end of each workday.
So, instead of waiting 2-3 weeks for each paycheck, you can get it when you need it the most… now!
Earnin doesn’t charge any fees but will ask for a tip each time they pay you in advance. Download Earnin so you never overdraft your bank account again.
2. Borrow a Quick $100 from This Bank (Free)
What are you going to do with all this extra cash if you don’t have a savings account yet? Consider joining an online-only bank like Chime which offers 100% fee-free banking.
It gets even better. Chime will spot your $100 any time. And unlike a payday loan – it’s free.
Here’s what makes Chime the perfect savings account for people with a side hustle:
- It’s 100% fee-free – open a Chime account now and never get another overdraft fee again
- Automatic savings – automatically round up your transactions to the nearest dollar and get difference added to your savings Account
- Get paid two days early – get paid via direct deposit and you’ll get your paycheck before your coworkers.
Open your free account today and see why Chime is one of the fastest-growing bank accounts in America.
Now you don’t have to live on ramen until your paycheck comes.
3. Use Your Opinion To Earn Cash
There aren’t many ways that you can earn extra cash from your couch, but Swagbucks is one of them.
Big brands want consumers to watch short movie trailers or commercials and give their feedback. They pay Swagbucks, which then recruits people like us to give their feedback for actual cash.
That’s right, you can sit back on the couch and Swagbucks will pay you. They also offer paid surveys which you can do while you are watching your favorite guilty pleasure TV shows.
A few tips for making the most cash via Swagbucks:
- Sign up to Swagbacks for free now (don’t forget to confirm your email address!)
- Take surveys, play games and shop online. Make sure to take at least 3 survey when you sign up to start getting paid.
- Redeem your points for free gift cards and cash.
Get started with your first three surveys right now to start earning!
4. Cancel High-Interest Credit Card Bills
If you’re getting crushed by high-interest credit card debt, don’t fret. We found a company that’s willing to help you cancel credit card debt. In fact, they could help you pay off up to 100k in credit card debt today.
Here’s how it works: A company called Fiona will loan you up to $100k so you can pay off your credit card bills. This rolls all your credit card payments into one bill with interest rates as low as 3.99%.
The best part? You’ll have no credit card payment this month, so you can sock a little cash away.
With Fiona, you won’t have to call a bank or stand in line. And if you’re afraid you won’t qualify, it’s free to check online. It only takes two minutes to get vetted offers and it could potentially save you thousands.
5. Upgrade To Modern Car Insurance
If you’ve had the same car insurance for years, then you’re missing out.
Big insurance companies bank on user complacency. Which is why you see your premiums increase every year.
If you’re willing to put in the effort, you could save up to $720 this year on car insurance alone.
In fact, it doesn’t take nearly as much effort as you think. A company called Gabi will help you find realtime quotes online, without having to call around or deal with salespeople.
6. Turn Grocery Receipts To Cash
We all gotta eat. It’s a fact of life.
Which is why we spend hours each week at the grocery store. But next time you shop, pull out that phone before crumpling up the receipt.
You can use a free app called Fetch Rewards to get paid for taking pictures of your receipts.
Here’s how it works:
Fetch partners with household brands to give you points for every grocery receipt you share.
To share a grocery receipt, just pull out your phone and snap a quick pic of it. You don’t have to enter items or scan barcodes. It’s the tech version of “couponing.”
When you download the app, use the code APREWARDS to redeem an extra 4,000 points upon your first scan.
7. Ask for Help
If you have no other choice and you’ve tried everything else, you can call a local resource for help.
The United Way offers a confidential service called 2-1-1. They can help you find affordable housing options or even help you cover rent and utility expenses.
To get started, go to 211.org and enter your location. You’ll get a number to call and information on local services in your community.
If you need help, just call. There is no shame in it.
8. Play Android Games To Earn Cash
If you have an android phone, then you can earn gift cards from the comfort of your couch.
An app called Mistplay will pay you to play popular games like Words With Friends and Clash of Clans.
Each time you open the app, you’ll have games preloaded into your “mixlist.” To start earning just select a game and start playing.
Not only will you get paid for time spent playing, but you’ll get bonuses for leveling up and scoring points.
Download the app to start earning gift cards today.
9. Unlock Your Phones Home Screen
Think about the amount of time that you spend looking at your phone every day. Now, imagine if you were getting paid for all of that time.
With S’more (download for Android) you will be earning cash every time you unlock your Android phone (sorry iPhone people).
Right about now you are probably rolling your eyes and thinking this is a scam. It’s not. S’more is helping brands reach people with their content/products and that’s what they are paying you to look at. You don’t need to click anything to get paid, either.
In return for doing almost nothing, you can earn gift cards to places including Amazon, Best Buy, CVS, Target, Starbucks and more.
Just use your phone like normal and you’ll accrue points which can be cashed out when you’ve earned as little as $1. If you use an Android phone, what’s not to love?