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Do you hate feeling broke or ask, “Why am I poor?” Well, you’re not alone.
While some don’t make enough to pay for their basic necessities, others maintain poor spending habits that keep them in debt.
In 2018, the American household debt hit a record $13.21 trillion [source]. That’s a lot of zeros!
To break the debt cycle, you have to develop positive money habits. So, if you’re tired of saying “I hate being poor”, here are 35 top tips to stop being broke.
Why Am I Poor? Top 35 Tips to Stop Being Broke
9 Habits To Stop Being Poor
Habit #1. Earn Cash Back on Your Everyday Purchases
Wouldn’t it be nice to earn Cash Back on your everyday purchases? Well now you can.
Cash back sites and apps are giving consumers more and more opportunities to earn free money on the items they already buy. Sign up for these sites and apps to start earning free money on autopilot.
1. Shop and Dine Out to Earn *Easy* Cash
Dosh is a mobile app (iOS and Android) that turns your debit or credit card into a money making machine! Simply link your most used cards to the app and start earning up to 10% cash back on purchases at over 1,000 stores and restaurants. Here’s a couple of our favorites:
Every time you swipe your card, free money is loaded into your account *automatically* in the background!
The only time you have to open the app is to cash out that sweet (effortlessly earned) money straight to your bank account OR PayPal.
You can also get $5 cash when your friends and family link a verified card.
2. Get a Big Fat Check for Your Shopping Habits
Get up to 40% cash back when you shop at 2,500 stores using Rakuten (formerly Ebates). Each quarter, Rakuten will send your cash back rewards in the form of a “Big Fat Check”or money transferred to your PayPal account.
You don’t even have to request your cash back payment—Ebates sends payment every three months.
3. Earn Cash From Every Receipts
If you want to earn real cash on your receipts from almost any retailer, start using the CoinOut app (as seen on Shark Tank). All you need to do is take a photo of your receipts and CoinOut will give you randomized rewards.
Additionally, CoinOut surprises users with fun bonuses and extra cash back opportunities every week!
How does it pay? Well, CoinOut pays in the form of real hard cash (i.e. PayPal or Bank deposits) or you can cash out in the form of Amazon Gift Cards!
Need some proof? Check out the last PayPal deposit CoinOut sent us!
(3.5 Six Hacks to Save More Money)
Saving money is easy… once you know how to do it. If you’re living without the peace of mind of having lots of money in the bank, then you haven’t learned how to make saving money easy.
Our Free “Savings Account Accelerator” Workshop exercises 6 Money-Saving Hacks that not only teach you *how* to save money, but also how to save money faster than ever before. Don’t change your lifestyle to save money – use this free information to make saving money easy.
Habit #2: Stop Letting Trips to the Grocery Drain Your Bank Account
If you want to stop being poor, start by reviewing your grocery shopping habits. If you’ve ever gone to the store hungry or forgotten your shopping list, you might have walked out with an astronomical bill. Here are a few ways to live cheap and cut costly grocery trips.
1. Get Free Money Every Time You Grocery Shop
If you enjoy earning free money, Ibotta pays you $5 every time you go grocery shopping.
Ibotta is a free mobile app (iOS and Android) that gives you cash back on your in-store and mobile purchases. You can get rebates on the items you already buy such as milk, eggs, and more.