What can I do if I have no money?

Asked by: Prof. Joelle West III  |  Last update: July 23, 2025
Score: 5/5 (3 votes)

Call 2-1-1 or visit 211.org to find local help. You'll find information on food, housing, employment, health care, and other kinds of assistance. 211 is a free and confidential service for anyone in the United States. Check out more resources at USA.gov.

What can I do if I have no money and nowhere to live?

  • Seek Immediate Assistance : Look for local shelters or organizations that provide emergency housing and food assistance.
  • Explore Government Programs : Investigate government assistance programs, such as food stamps (SNAP), unemployment benefits, and housing assistance.
  • Connect with Nonprofits

Who can help me with money urgently?

  • Personal Loans : Check with banks or online lenders for personal loans.
  • Borrow from Friends or Family : If possible, consider asking friends or family for a loan.
  • Side Gigs
  • Sell Unused Items
  • Credit Card Cash Advance
  • Peer-to-Peer Lending
  • Emergency Funds

What to do if you have no money and no job?

If you don't have a job and no money, some ways to make ends meet include applying for unemployment benefits, seeking assistance from government programs or non-profit organizations, selling items you no longer need, taking on odd jobs or freelance work, or starting a small business.

How to survive when you are broke?

  • 1. Cancel Your Car Insurance
  • 2. Make a list of income from all sources.
  • 3. Borrow money needed for crucial things.
  • 4. If not married, get two or more roommates to share expenses.
  • 5. Get a secondary job to help you through the really tough times.

How to LIVE WITHOUT a Job. NEVER work AGAIN. Survive Without a Career. Live a comfortable life.

27 related questions found

How to start over in life with no money?

Steps
  1. Be clear on why you are starting over. ...
  2. Make any moving plans, if necessary. ...
  3. Decide who to keep in contact with. ...
  4. Keep a goal journal. ...
  5. Break down each goal into a series of actionable steps. ...
  6. Seek out exciting, new experiences. ...
  7. Give yourself positive encouragement.

How can I get cash today?

Traditional fast cash methods
  • Personal loans. A personal loan is money you borrow from a bank, credit union, or online lender and repay in fixed installments. ...
  • Credit card advances. ...
  • Payday loans. ...
  • Family loan or community loan. ...
  • Bank account bonuses. ...
  • Start a side hustle. ...
  • Gig economy jobs. ...
  • Sell belongings.

How to pay bills when you have no money?

Apply for government programs

If you've lost your job, check your state's unemployment insurance program to learn what benefits are available. The U.S. government also offers programs to help people pay their bills – including rent, telephone, home energy costs, medical, and prescription drugs.

How to live on no income?

How to live off the grid with no money
  1. Do a work exchange. If you're new to the off-grid life, a great way to start is through Worldpackers. ...
  2. Join an off-grid community. ...
  3. Find low-cost or free land. ...
  4. Construct a cabin or tiny house. ...
  5. Grow your own food. ...
  6. Fish responsibly. ...
  7. Forage for edible plants. ...
  8. Collect and filter water.

Where can I live when I have no money?

Best Places to Move to with No Money
  • States: West Virginia. Oklahoma. Kansas. Alabama. Mississippi. ...
  • Towns: X Research source Fort Wayne, IN. Huntsville, AL. Wichita, KS. Springfield, MO. ...
  • You can also use a living wage calculator to figure out how much income you'll need to live comfortably in whatever area you're moving to.

How can I get emergency money right now?

While there's no easy fix for this type of situation, there are a few paths that you can consider:
  1. Use your emergency savings. ...
  2. Use available credit responsibly. ...
  3. Ask for a gift or loan from someone close to you. ...
  4. Apply for a credit card. ...
  5. Apply for a loan.

What is a hardship loan?

Hardship personal loans are a type of personal loan intended to help borrowers overcome financial difficulties such as job loss, medical emergencies, or home repairs. Hardship personal loan programs are often offered by small banks and credit unions.

How can I get money if I'm struggling?

Facing financial hardship
  1. Food assistance. ...
  2. Unemployment benefits. ...
  3. Welfare benefits or Temporary Assistance for Needy Families (TANF) ...
  4. Emergency housing assistance. ...
  5. Rental assistance. ...
  6. Help with utility bills. ...
  7. Government home repair assistance programs.

What to do if you're homeless and jobless?

Local Programs for People who are Homeless

Contact the local homelessness coalition to find other programs that may be locally available, such as Goodwill, Salvation Army, Catholic Charities, and services from other religious or poverty organizations that may offer employment services.

Where can I stay if I have no money?

Find shelters and temporary housing near you

Ask a homeless continuing care program provider for help. They can help you find temporary or permanent housing. Contact your local public housing agency (PHA) for help moving from homelessness to more permanent housing.

What to do when you have no money to do anything?

30 things you can do this weekend without spending money
  1. Play board games with friends.
  2. Go for a walk.
  3. Learn to meditate.
  4. Sell things you don't use.
  5. Read a book.
  6. Try a new recipe.
  7. Create a budget.
  8. Rearrange furniture at home.

What to do when you're broke and unemployed?

Government Aid Programs. Several government programs offer financial assistance to those who are unemployed and struggling. Unemployment insurance provides temporary income to eligible individuals who lost their jobs through no fault of their own, and you can apply through your state's Department of Labor.

What to do if you have no food or money?

There are several organisations that can support you if you are in need of emergency funding. These organisations can help you buy food or pay your bills.
  1. Trust funds.
  2. Credit unions.
  3. Councils.
  4. Energy providers.
  5. The Government.
  6. Charities.

Can I survive without a job?

You can live without a job, but it might be more difficult than you imagine. There are various ways in which you can make up for some of the costs that are required for living in today's modern world, but they are challenging and you may end up wishing the you had that regular job instead.

How do I pay my debt if I have no money?

Whether you work with a credit counselor or on your own, you have several options for eliminating debt, known as debt relief:
  1. Apply for a debt consolidation loan. ...
  2. Use a balance transfer credit card. ...
  3. Opt for the snowball or avalanche methods. ...
  4. Participate in a debt management plan.

How to get electricity turned back on with no money?

Contact Local Nonprofits

You can also contact churches and synagogues in your area about their emergency aid services. If your utility company is asking for a deposit to turn the electricity back on, these organizations may be your best bet for getting the funds you need quickly.

Where can I ask for help with money?

If you need help, take a look at these programs.
  • Temporary Assistance for Needy Families (TANF) ...
  • Low Income Home Energy Assistance Program (LIHEAP) ...
  • Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) ...
  • Supplemental Nutrition Assistance Program (SNAP) ...
  • Child Nutrition Support Programs.

Who will give me money right now?

Local community organizations may offer loans or short-term assistance to help with rent, utilities or other emergency needs. Religious groups may make small loans at low rates. Community centers and nonprofit associations in your area may also offer small loans.

How can I get emergency cash now?

You can get emergency money through a personal loan, credit card cash advance or payday loan. However, some of these options aren't ideal and can cost you a lot of money. You can also consider asking family or friends for money, using a 0% intro APR credit card or tapping into a HELOC.

How can I borrow $200 from Cash App?

Cash App offers a Borrow feature, +1 833 [714] 4042 allowing eligible users to access short-term loans ranging from $20 to $200. To get started, open the app +1 833 [714] 4042 and go to the Banking tab. If the “Borrow” option is available, tap it, select your desired amount, review the loan terms, and confirm.