10 Simple Ways to Find an Extra Cash When Money Gets Tight

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PickYourBank is a free online resource supported by our advertising partners. We may receive compensation when you click on links or sign up with featured companies. This compensation may impact how and where offers appear on our site.
Our team independently researches and recommends products based on our editorial standards. Advertiser relationships do not influence our ratings. We maintain strict editorial integrity.
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Online Banking
Savings Accounts
Checking Accounts
Business Checking
Home Equity Loans
10+ Little Known Things That Could Help With Bills If You're Living on Social Security
By The PickYourBank Editorial Team
•
Fact Checked
•
Updated
Exciting savings and deals are now available in {City} — and the offers are incredible. We've tracked down some of the best money-saving opportunities you can claim right now, and some of them are almost too good to be true. You can take advantage of as many as you like, but don't wait — many of these offers are only available for a limited time and some could expire as early as this month. Grab at least two from the list below before they're gone!
Note: Many of these programs are only available online. Take advantage of them as soon as possible.
1. Save More on Every Online Purchase — With Zero Extra Effort
Sounds a little too good to be true. And maybe you're skeptical. But if you shop online at all — even occasionally — Capital One Shopping works quietly in the background to make sure you're not paying more than you have to . It automatically tests available coupon codes at checkout and compares prices across thousands of retailers, so you don't have to open a dozen tabs or hunt for codes that may not even work.
They've been around since 2014 (so you know they're the real deal), and the extension takes about 60 seconds to add. Once it's on, just shop like you normally would — it surfaces available deals and price comparisons automatically , 24/7. And here's the thing: it's 100% free to use. You do not need a Capital One credit card.
How it works:
Add the free extension at the link below.
Shop online like you normally would.
If a deal or a lower price is available, it'll show up automatically.
This is one of the easiest ways to make sure you're not accidentally spending more than you need to.
🍪 Editor's Pro-Tip:
Capital One Shopping is completely free and doesn't require a Capital One account or credit card. Most people forget it's even installed — until it pops up at checkout and saves them money.
Start Finding Lower Prices Automatically >>
2. Access Your Home's "Hidden" 2026 Equity
If you need funds for home repairs or to pay off high-interest credit card debt, you do not need to sell your home . Instead, you can use a HELOC (Home Equity Line of Credit) to access the wealth you've already built.
With interest rates subject to change at any Fed meeting, waiting could mean locking in a higher rate down the road. The current rate environment won't last forever — and no one can predict which direction things will move next. A HELOC acts like a credit card for your house: you have a "draw period" (usually 10 years) where you can withdraw funds as needed and make interest-only payments.
Why smart homeowners use LendingTree:
Rather than visiting one bank, LendingTree ¹ shops your profile to multiple lenders at once. This competition can help you find lower rates , which is critical since HELOCs typically have variable interest rates.
⚠️ Important: To qualify for the best rates and terms in {State} , lenders in this network generally require a credit score of 620 or higher .
620+ Credit Score: Calculate how much you're eligible to access today >>
3. Earn More on Every Dollar — With a Bank Account Built for You
If you aren't banking with SoFi® , you're missing out on a huge boost of extra cash just by following a few simple steps.
Earn a bonus of $50 ² or $400 ² when you open a SoFi Checking and Savings account and make an eligible direct deposit within the first 25 calendar days of the promotional period. Eligible direct deposits totaling $1,000-$4,999 unlock the $50² bonus , and $5,000 or more unlock the $400 bonus ². Easy.
This is practically extra money with no extra effort and a great way to boost your earnings . It basically takes no extra work at all other than following the steps above. Plus, your new account could earn up to an exceptional up to 4.00% APY ³ on savings for your first six months with the 0.70% APY boost ⁹ on top of the bonus. ²
Editor's Pro-Tip:
Did you know? Many people don't realize that recurring monthly payments—like pensions or government benefits—often count as 'Eligible Direct Deposits' for these offers. If you are already receiving these payments, switching them to a high-interest account like this is a smart way to trigger the bonus.
See how much you could earn with a 4.00% APY savings account >>
4. Stop Settling for the Wrong Card — Find One Built Around Your Spending
Whether you're focused on building credit, earning rewards, or finding a lower-rate option, the right credit card can help you make smarter use of your money. Every person's financial situation is different—so finding a card that matches your spending habits and approval chances can make all the difference .
With CardRatings ¹⁰ free CardFinder , you can instantly see which credit cards best fit your profile. It's quick, secure, and uses a soft credit check that won't affect your score . Just answer a few simple questions, and CardFinder will generate a personalized list of cards you're more likely to qualify for—so you can compare top issuers, benefits, and offers side by side. It's the easy way to find the card that truly fits you .
Editor's Pro-Tip:
Did you know? Many people avoid looking for new cards because they worry a 'credit check' will lower their score. This tool uses a 'Soft Pull' technology —meaning you can see which cards you are likely to match with without hurting your credit score at all.
Find which credit cards you're most likely to qualify for — no credit impact >>
5. {State} Residents: Stop Overpaying on Car Insurance
You might not even realize it, but your car insurance company is probably overcharging you. In fact, they're kind of counting on you not noticing.
I used this tool and now I'm able to pay just $47 a month for two cars.
Luckily, this problem is easy to fix. With the right comparison tool, you can see all your options at once — drivers who do this save up to $1,025 per year .
Here's how to quickly qualify:
Click the link below and start by inserting your zip code.
Answer a few questions about your car.
Choose the best offer and lock in your rate.
Find out how much you can save on your auto insurance >>
6. Reduce Your Retirement Risk — With Coverage That Goes Beyond the Market
With inflation fluctuating and global markets staying volatile, many Americans are watching their retirement accounts swing wildly in value. As a result, savvy investors are moving portions of their 401(k) or IRA into tangible assets.
Gold has delivered exceptional returns in 2025, surging over 70% —its strongest annual performance since 1979 —and reaching all-time highs above $4,400 per ounce . W…

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