Image by SpotonFinance
10 Things to Do If You’re Barely Scraping By Financially
If you're juggling bills, skipping repairs, or relying on credit just to survive — this list is for you. These aren’t gimmicks or magic tricks. They're real tools built to help real families breathe easier.
1. See If You Qualify for Debt Relief
helps combine credit card debt into one affordable payment. There are no fees unless they help — and it only takes 30 seconds to see if you’re eligible.
2. Fix What’s Breaking — Without Going Broke
protects you from surprise costs when things break. For a small monthly fee, you’re covered when your fridge, AC, or water heater goes out.
3. Stop Overpaying at Checkout
finds better deals and applies coupons for you — even on Amazon. It’s free and installs in seconds.
4. Build Credit and Avoid Bank Fees
With , you get paid faster, avoid overdraft fees, and can even build your credit with no credit check required.
5. Protect Your Kids Online — and Your Sanity
gives you smart alerts when something serious is going on — instead of endless notifications. Their phone is built for parental control.
6. Lower Your Car Insurance (Fast)
Most families can find a better rate. compares top insurers — and there’s no pressure to switch.
7. Repair Your Credit and Take Back Control
Lexington Law can help fix damaging errors and get your score back on track — opening up better financial options.
8. Consolidate Your Debt into One Lower Payment
Tired of juggling multiple cards? Personal loans from can simplify everything into one fixed monthly payment.
9. Owe the IRS? Don’t Wait Until It’s Worse
Back taxes don’t go away — but you may qualify for relief or a plan that reduces your total owed. Get a free assessment now.
10. Compare and Lock in Better Loan Offers
Compare real offers in minutes. Some families get funded by the next day.
Final Word
You don’t need to do all 10. But doing one could help you avoid another late bill, missed meal, or overdraft fee. Start small. Build momentum. And keep moving forward.
