Image by SpotonFinance
10 Smart Money Moves Every Struggling Family Should Make This Year
Let’s face it — raising a family isn’t cheap. Groceries, rent, repairs, back-to-school shopping... the list never ends. But the truth is, a few smart (and fast) money moves can help you catch your breath and stop the stress spiral.
Here are 10 services that can help cut costs, protect your home and kids, and maybe even free up some cash — without adding to your mental load.
1. Home Repairs: Before You Pay a Dime, Read This
could be the smartest move you make for your home this year. It’s helped thousands of homeowners dodge massive repair bills for a fraction of the cost.
They’ve been around since 2008, and offer budget-friendly protection plans that cover major home systems and appliances when they fail from everyday use.
2. Drowning in Debt? This Could Help You Finally Get Out
might be able to help. If you owe over $10,000 in credit cards, loans, or collections, they can consolidate it into one affordable monthly payment — and you only pay if they help.
3. Tired of Juggling Credit Cards? Try Debt Consolidation
Instead of making five different payments every month, consider consolidating everything into one personal loan with a lower fixed rate. It’s simple, predictable, and could help you save hundreds.
4. Got Tax Debt? There’s Help for That Too
Falling behind on taxes can feel overwhelming. But many families qualify for IRS relief programs that reduce what you owe or stop collections. Don’t wait — the sooner you act, the more options you’ll have.
5. Keep Your Kids – and Your Wallet – Safe. PERIOD.
monitors 30+ apps for signs of bullying, predators, or unsafe content — and sends you alerts only when it matters. Prefer more control? The Bark Phone lets you set screen time, app access, and even contacts.
6. Cut Your Car Insurance Bill in Minutes
You’re probably overpaying. compares real quotes from top insurers and shows you where to save — with no calls, no hassle.
7. Stop Overdrafting and Get Paid Faster
is a mobile-first bank built for real life. No overdraft fees (up to $200), early direct deposit, and tools to help you build credit — all without going into a branch.
8. Fix Credit Mistakes Holding You Back
A low score can mean higher costs on everything from loans to car insurance. Services like help repair your credit by challenging errors and unfair marks.
9. Cover Emergency Expenses Without a Credit Card
Need to cover a surprise repair or school expense? lets you compare personal loan offers without affecting your credit score — and you could get funded as soon as tomorrow.
10. Save Automatically When You Shop Online
helps you stop overpaying. It finds lower prices and applies discount codes automatically — even on Amazon.
Final Word
One of these could save you $50. Another could save you $500. Together, they can help you stop barely scraping by — and start getting ahead.
