Ten Ways to Find, Save, or Make Money When You’re Struggling

More Month Than Money

If you are constantly left with more month than money, you know the struggle all too well.

You want to pay your bills, eat well, and have fun. But yet you and your family struggle.

Maybe you’re in debt over your head. Or maybe you’re just going through a tough time.

Regardless, it is a tough situation to be in.

The good news is that you can do something about it.

  1. Sell your old or unwanted items on Facebook Marketplace. We have made hundreds of dollars selling our belongings these past few years.
  2. Have a no-spend week or month. Buy only the essentials such as gas, utilities, tithe, and necessary food.
  3. Ready to save even more? Try a eating at home challenge. Only eat what you have on hand from your pantry, fridge, or cupboards. You may find that you have more food than what you realize. Or perhaps you have to get really creative, but remember the goal is to save money.
  4. Reduce electricity by unplugging anything that is not in use. Turn down your thermometer at night and during the day. Wear more layers of clothing to keep warm. You will be surprised how much money you can save by reducing electricity costs.
  5. Don’t eat out. Period. If you don’t have money. Stay home. Eat what you have.
  6. In need of a repair or service, try bartering for it.
  7. Consider changing your phone plan and going basic. It sounds drastic, but ask yourself if you really need all the bells and whistles of your current plan. A phone should serve as a way to communicate to others, and this can be done with a text or talk only plan. I know a few people who would rather go without eating or not paying bills before they would give up their phone plans.
  8. Consider taking on a part-time job, even for a short time, in order to pay off bills, debt, or save up for what you need. Learn how to make money as a stay at home mom. 
  9. Visit a food pantry if you are in need of food. This is not the time to be dealing with embarrassment or pride. Your family needs to eat and nearly ever town has a food pantry that offers food those those struggling with poverty or down on their luck. You would be surprised at the number of people who resort to using a food pantry either short term or long term in order to put food on their tables.
  10. Call your utility companies and explain the situation that you are in. Many are able waive a late fee or extend the due date, or even break up your bill into bi-monthly payments spreading it out over the month. ***If you are unable to pay on your credit cards or loans, consider stopping payments until you are back on your feet. The basics of a household should be paid before a bank or loan company. You need to keep the lights on, heat going, food in the house, and gas in your car. You can always call the company and explain the situation to see oif they will work with you. But whatever you do, do not give them electronic access to your bank account.

I hope that these tips helped you.

And I would love to hear from you. How do you save money? Please share your tips below.

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