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When Money Is Tight, These 4 Resources Will Help Nearly Everyone

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When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

We’re not judging — we don’t roll like that. We’re here to help. We just don’t want you to have to sell those Elvis-Presley-signed velvet pants you inherited just to pay some lousy plumbing bill. Those pants are sweet.

Try these tips to get the ball rolling, and start building up your savings so you can breathe a little easier.

1. Ask for Some Help — You Deserve It

If you’re really in a bind, start with 2-1-1, a confidential service offered through United Way that’ll help you find the resources you need to find affordable housing, make rent or pay utilities. It’s there for people like you.

To use the service, head to 211.org and enter your location. It’ll show you services in your community and give you a number to call. It’s a clearinghouse for help with food, housing, utilities and employment. If you’ve never asked for help before, that means you don’t know what kind of help is out there.

You can also look into applying for a grant. Take, for example, Modest Needs grants, which are designed for workers just about the poverty line who are ineligible for most other forms of social assistance.

2. Let This Company Pay Your Credit Card Bill This Month

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Happy Money could help you pay off that bill as soon as tomorrow.

Here’s how it works: Happy Money can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 640, Happy Money can help you borrow $5,000 to $40,000 with fixed rates starting at 5.99%.

Happy Money 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 a few minutes, and it could save you thousands of dollars — and raise your FICO score by up to 40 points. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

3. Stop Overpaying at Amazon

Wouldn’t it be nice if you got an alert when you’re shopping online at Amazon or Target and are about to overpay?

That’s exactly what this free service  does. 

Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.

Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.

In the last year, this has saved people $160 million.

You can get started in just a few clicks to see if you’re overpaying online.

4. Cancel Your Car Insurance

Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.

And if you look through a website called InsuredNation, you could save yourself up to $500 a year.

It takes just two minutes to answer some questions, and InsuredNation’s smart matching technology will show you the insurance providers that are the best fit for you. And don’t worry — InsuredNation uses advanced data security and encryption technology, so all your details are safe. 

The website is free to use and can even save you up to an additional 20% if you add another vehicle to your policy.

See how much money you could save with a new policy.

*Happy Money operates in every U.S. state except Massachusetts, Mississippi, Nebraska and Nevada.

Some of the links in this post are from our sponsors. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin.