Do These 5 Things Before the Weekend if You Have No Savings

You won't find #4 anywhere else! ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [consumerCo](654d63d51ac67547380ca79b:ot:631faf77229f6550ab06f0cf:1/f76a848d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTk1NzE3OTMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NGQ2ODJiOTRiOTQ4NDZkMTA4MDE1YyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9Mzc1JmFmZl9zdWIzPTIwMjMxMTA5JmFmZl9zdWI0PTE4MTYmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1jb25zdW1lckNvJnV0bV9jYW1wYWlnbj0yMDIzMTEwOSZ1dG1fY29udGVudD0xODE2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=0HwlG9CekLD40JMPX5G8vuWUvjBrcK9BHJQBcEBPAtQ)   We all know how important it is to have some money in savings. It’s nice to have some cushion in case of an emergency, and we all have goals we’re working toward that require — you guessed it — money. But it’s easier said than done. A lot of us can’t afford to build a savings. We’re just trying to get by. If that sounds like you, here are some things you can do before the weekend to earn a little extra money to tuck away.     1. See Where All Your Money’s Going First things first. You know where your money comes from. But do you wonder where it all goes? If you do, you could probably use a budget. Budgeting helps you stay on track and visualize where your money goes every month. You might be surprised to see areas you could cut back on without much change to your quality of life. We like the 50/20/30 budgeting method, because it’s so easy: 50% of your take-home pay goes toward essentials. 20% goes toward financial goals. 30% goes toward personal spending. Use this as a baseline and experiment to find what works best for you. 2. Use This Free Tool to Make Sure You’re Not Overpaying on Amazon Wouldn’t it be nice if you got an alert when you’re shopping online at Amazon and are about to overpay? That’s exactly what [this free service](654d63d51ac67547380ca79b:ot:631faf77229f6550ab06f0cf:1/08bb6be7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTk1NzE3OTMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NGQ2ODJiOTRiOTQ4NDZkMTA4MDE1ZCIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYWQ_Y2FtcGFpZ25faWQ9Mjk4JmFmZl9pZD0zNzUmc291cmNlPW5vLXNhdmluZ3MtYmVmb3JlLXdlZWtlbmQmYWZmX3N1Yj1wYXJ0bmVycy50aGVwZW5ueWhvYXJkZXIuY29tJmFmZl9pZD0zNzUmYWZmX3N1YjM9MjAyMzExMDkmYWZmX3N1YjQ9MTgxNiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWNvbnN1bWVyQ28mdXRtX2NhbXBhaWduPTIwMjMxMTA5JnV0bV9jb250ZW50PTE4MTYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=8FFMzpY8Jr3uBWlUfufm9nQFv0hGpxK4MSyJs3DfIKs) does. Just download the app for free, and before you check out, it’ll check other websites to see if your item is available for cheaper. Let’s say you’re shopping for a new smart vacuum, and you assume you’ve found the best price. Here’s when you’ll get a pop-up letting you know if that exact vacuum 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 $800 million. You can get started in just a few minutes to [see if you’re overpaying online](654d63d51ac67547380ca79b:ot:631faf77229f6550ab06f0cf:1/08bb6be7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTk1NzE3OTMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NGQ2ODJiOTRiOTQ4NDZkMTA4MDE1ZCIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYWQ_Y2FtcGFpZ25faWQ9Mjk4JmFmZl9pZD0zNzUmc291cmNlPW5vLXNhdmluZ3MtYmVmb3JlLXdlZWtlbmQmYWZmX3N1Yj1wYXJ0bmVycy50aGVwZW5ueWhvYXJkZXIuY29tJmFmZl9pZD0zNzUmYWZmX3N1YjM9MjAyMzExMDkmYWZmX3N1YjQ9MTgxNiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWNvbnN1bWVyQ28mdXRtX2NhbXBhaWduPTIwMjMxMTA5JnV0bV9jb250ZW50PTE4MTYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=8FFMzpY8Jr3uBWlUfufm9nQFv0hGpxK4MSyJs3DfIKs). 3. Get Paid Up to $140/Month Just for Sharing Your Honest OpinionGetty Images It sounds strange, but brands want to hear your opinion. It helps them make business decisions, so they’re willing to pay you for it — up to $140 a month. A free site called [Branded Surveys](654d63d51ac67547380ca79b:ot:631faf77229f6550ab06f0cf:1/4c4ac68c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=WRs5VG2veTY5FOOx8N98-75RTAfEEe4zAp8BfqNR15U) will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month. It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time. And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions. They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot. It takes just a minute to [set up your account and start getting paid to take surveys](654d63d51ac67547380ca79b:ot:631faf77229f6550ab06f0cf:1/4c4ac68c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=WRs5VG2veTY5FOOx8N98-75RTAfEEe4zAp8BfqNR15U). Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community. 4. This Website Can Help You Wipe Out Your Credit Card Debt If you’re carrying around credit card debt, you know how hopeless it can feel. The interest rates alone can make it feel like you’ll never escape. Meanwhile, your credit card company could care less. They’re getting rich off those sky-high rates, after all. Luckily, [The Rate Chopper](654d63d51ac67547380ca79b:ot:631faf77229f6550ab06f0cf:1/e32aad5d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=8FWAQKLJh0r5EwUmWRkX6K3iI3Nzff8KZBDW2nJGybA) could help you start to get rid of all that debt — as soon as a few days from now. Here’s how: The Rate Chopper could match you with a lender and a new loan at a lower interest rate you can use to pay off all your credit card balances. Now you’ll just have one bill to focus on, and with the lower rate, you’ll likely be able to pay off your debt that much faster. If you have a credit score above 600 and you need to borrow up to $50,000, The Rate Chopper can help you find a loan with rates as low as 5.99% APR.* That’s way better than the 20% or more your credit card is charging you. It only takes a few minutes to complete the form to get your personalized results — and checking won’t affect your credit score. Plus, The Rate Chopper keeps your information encrypted and secure. And if you’re worried you won’t qualify, it’s free to [check and see if you match with a lender](654d63d51ac67547380ca79b:ot:631faf77229f6550ab06f0cf:1/e32aad5d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTk1NzE3OTMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NGQ2ODJiOTRiOTQ4NDZkMTA4MDE1ZiIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03MjAwJmFmZl9pZD0zNzUmc291cmNlPW5vLXNhdmluZ3MtYmVmb3JlLXdlZWtlbmQmYWZmX3N1Yj1wYXJ0bmVycy50aGVwZW5ueWhvYXJkZXIuY29tJmFmZl9pZD0zNzUmYWZmX3N1YjM9MjAyMzExMDkmYWZmX3N1YjQ9MTgxNiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWNvbnN1bWVyQ28mdXRtX2NhbXBhaWduPTIwMjMxMTA5JnV0bV9jb250ZW50PTE4MTYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=8FWAQKLJh0r5EwUmWRkX6K3iI3Nzff8KZBDW2nJGybA). You’ll need to enter your Social Security number when you fill out their form, but The Rate Chopper uses data encryption to help keep your information safe. It takes just a couple minutes, and it could save you thousands of dollars. Totally worth it. 5. Add $500 to Your Wallet for Trying Out Apps Our smartphones are the world’s greatest time-killers. You can browse Facebook; play a game; download a new app. You’re doing all this anyway — why not get paid for it? With a website called [KashKick](654d63d51ac67547380ca79b:ot:631faf77229f6550ab06f0cf:1/44060f4a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTk1NzE3OTMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NGQ2ODJiOTRiOTQ4NDZkMTA4MDE2MCIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYWQ_Y2FtcGFpZ25faWQ9MzE0JmFmZl9pZD0zNzUmc291cmNlPW5vLXNhdmluZ3MtYmVmb3JlLXdlZWtlbmQmYWZmX3N1Yj1wYXJ0bmVycy50aGVwZW5ueWhvYXJkZXIuY29tJmFmZl9pZD0zNzUmYWZmX3N1YjM9MjAyMzExMDkmYWZmX3N1YjQ9MTgxNiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWNvbnN1bWVyQ28mdXRtX2NhbXBhaWduPTIwMjMxMTA5JnV0bV9jb250ZW50PTE4MTYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=p1Pb06b912_f8hJ4FDiaT4Eq15kbsyR41XvmsaCy8Lc), you could get paid for things like answering survey questions or downloading and playing a game — up to $500 in your first month. You can earn money by playing games or trying new products and services, but surveys are the main way to make money. Once you earn $10 in your account, you can immediately get paid via Paypal. This is an easy way to make a little extra money while you’re killing time on your couch. All you need is your phone or computer. It takes just a minute to [sign up](654d63d51ac67547380ca79b:ot:631faf77229f6550ab06f0cf:1/44060f4a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTk1NzE3OTMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NGQ2ODJiOTRiOTQ4NDZkMTA4MDE2MCIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYWQ_Y2FtcGFpZ25faWQ9MzE0JmFmZl9pZD0zNzUmc291cmNlPW5vLXNhdmluZ3MtYmVmb3JlLXdlZWtlbmQmYWZmX3N1Yj1wYXJ0bmVycy50aGVwZW5ueWhvYXJkZXIuY29tJmFmZl9pZD0zNzUmYWZmX3N1YjM9MjAyMzExMDkmYWZmX3N1YjQ9MTgxNiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWNvbnN1bWVyQ28mdXRtX2NhbXBhaWduPTIwMjMxMTA5JnV0bV9jb250ZW50PTE4MTYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=p1Pb06b912_f8hJ4FDiaT4Eq15kbsyR41XvmsaCy8Lc), and you’ll immediately earn $1 just for completing your profile on the site. You’ll be that much closer to cashing out.     *The Rate Chopper: Approval and loan terms vary based on applicant qualifications. Not all applicants will qualify for the full amount or lowest available rates. NerdWallet Compare, Inc. (dba The Rate Chopper) NMLS ID# 1617539 CA Fin. Lender loans arranged per DFPI, Fin. Lenders Lic #60DBO-74812     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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