Millionaires Giving Money

This blog is about how people ask millionaires, billionaires, and philanthropists for financial assistance. However, from time to time I get emails asking whether there are any other ways of getting free money for hardships. This post looks at how to get free unclaimed money from the Government as well as other sources. I would urge you to read How to Get Free Money from the Government 2017 - The Definitive Guide if you want a list of all the helps that's available to you.

If the Government owes you money and you don't take it then its unclaimed money which is set aside. This can happen with Government benefits, banks, credit unions, pensions and so many other sources of income that you might have forgotten about.

Fortunately, there are ways to check if you have unclaimed money. It's important to be aware of scams and tricks where agencies ask you for an upfront fee for money they claim to be yours. 99% of the time these agencies are con artists so tell them where to get off.
The First step is to check State by State to see if you have any unclaimed money. You can also check this for your parents and siblings in one go if they permit it. If you've lived in multiple states be sure to check. You can check State by State for unclaimed Money on the bookmark below.

Unclaimed Government Money State by State Search

If you're retired and remember contributing to different pension schemes at different jobs then you could have an unclaimed pension somewhere. Given that the stock market is at an all time high there your pension pot could be quite significant. You can check to see if you have unclaimed pension money even if the company went out of business or ended the defined plan on the bookmark below.

Search for Unclaimed Pensions from Employers

If you've overpaid your taxes then the Government doesn't have to tell you. It is your responsibility to find out if you've been overtaxed and then claim any extra money you've given. You can check to see if the IRS owes any money if your tax refund was unclaimed or undelivered. You can also check to see if you've filed a tax return which was more that what was required on the bookmarks below.

Unclaimed Tax Refunds

Status of Federal Tax Refund

Major Banks and Credit Unions failed where deposits that were insured by the Federal Deposit Insurance Corporation (FDIC) failed between 2007 to 2011. There are billions of dollars worth of unclaimed money that people just did not bother with. You can check to see if you have any unclaimed money with Banks and Credit unions on the bookmarks below. You can also check to see if a Securities and Exchange Listed Company which failed owes you any money below.

Unclaimed Money from Bank Failures

Unclaimed Money from Credit Union Failures

Unclaimed Money Stored at SEC

Damaged Money - Get New Notes and Coins

FHA-Insured mortgages have been under the spotlight, consequently, there is a change that you might be eligible for a refund if you had an FHA Insured mortgage, this refund will come from the Department of Housing and Urban Development and you can check on the bookmark below.

Unclaimed FHA Insured Refunds

If you saved money in Treasury Bonds and forgot all about it, you can use the Treasury Hunt which allows you to look for bonds issued after the 70's which have matured and no longer pay interest, you can work out the value and then make a formal request for the unclaimed money on the bookmarks below.

Unclaimed Savings Bonds

Calculate Value of Savings Bond FMS Web site banner

Finally, if you've been around the world and lived in different countries and opened Bank Accounts everywhere you can check to see if you have any unclaimed money on the bookmark below. US Nationals can find unclaimed money from Foreign Governments, Foreign Banks and even loss of property below.

Unclaimed Foreign Money

Looking for unclaimed money takes time and patience, you must be organized and disciplined to see the process through to its conclusion. If you're experiencing hardship then it's worth taking the time to check these services to see if you have any unclaimed money.

#1: Budget Your Money Better

Effective budgeting can make your grocery bill much more manageable, sometimes people are surprised to find out how much they spend on a particular area in their life. If you need help with food then smart budgeting is essential to curb your spending on groceries. When I was facing difficulties feeding my family I started budgeting, to my absolute horror I found that I was spending more money on entertainment and hobbies that I was on food.

Budgeting will help you to get things into perspective and will help you prioritize what is most important which is to feed your family healthy and nutritious food. You should create your income and expenses statement so that you can see where all your money is going, you might be surprised. The most important exercise is to try to cut needless spending and then use that money for the things that matter like feeding your family.

#2: Get Groceries for Cheap Using Coupons and Vouchers

Another great way to stretch the amount you can buy is with coupons and special offers. You can get groceries for cheap using these strategies. When I need help with food the first thing I did was to downscale on the food supermarket I use and go to a budget supermarket, this helped me to drastically reduce my food bills.

I also looked for coupons on the internet on the foods I needed and every time I found something it was like finding free money, I also looked at supermarket comparison sites to find half price offers or buy one get one free. The bottom line was I always looked for a cheaper alternative or ways I could cut the cost of buying foods. A search on the internet will reveal excellent sites which offer advice to people who want to stretch their money using special offers and coupons.

#3: Learn to Love Leftovers

One of the best ways of Feeding Hunger is to learn to love leftovers. If everyone embraced and shared their leftovers no one would need help with food. When I need help with food the first thing I do is embrace leftovers and make meals stretch as far as possible. This is a great strategy to help with food and bills! Make your food last as long as possible, learn to make your energy last as long as possible. Small changes to make the best of resources will help to save you money so you can allocate more money towards food.

For me personally, there were times when we chucked everything that we didn't want to eat when I look back I think to myself what a waste of money, throwing food away was like throwing money away. What really helped with lowering our food bill was cooking less food and leaving leftovers for another day. If you're struggling with your food bill I would urge you to take this challenge and cook less food and lower your portion size, if you find that you're chucking away 1/3 of your food then cook a third less, instead of cooking 7 days worth of meals cook only 5 days and then use the leftovers for days 6 and 7.

#4: Find Inexpensive Food Items

Whenever I need help with money I find inexpensive food items to slash my grocery bills. This is like taking groceries for cheap to the next level. This tip was mentioned quickly on #1 but deserves more attention, if you're struggling with your food bills you need to downshift a brand, rather than buying Coca Cola you need to buy budget cola, rather than buying Branded chocolate you need to switch to generic brands. If you can do this with every item you buy you can slash your bill by half! Take the challenge for a month, make the switch and then see how much you save, also see if you notice a big difference.

#5: Apply for Food Stamps Help

You can get help from the government by applying for food stamps. Food Stamps help low-income families and individuals who are experiencing hunger. Whenever I need help with food I look for government programs that help low-income families and individuals. If I need financial help I also turn to the government who offer welfare benefits to get you back on your feet. You can apply for food stamps if you're experiencing hunger and have no income or savings. If you're on a very low income or have lost your job, are facing financial despair, disaster or crisis then you might be eligible for food stamps from the Government. The Supplemental Nutrition Assistance Program helps people to feed their families, the public assistance comes in the form of vouchers which can be redeemed for food at stores that accept the vouchers. This program is invaluable for those who are having difficulties and you should apply right now if you're in this position, swallow your pride and get help. You can apply for help from the USDA Food & Nutrition Service.

#6: Emergency Food Help From Food Banks

Another option that you could explore is food banks, these programs are for families and individuals who have nowhere to turn to and need immediate assistance. These food banks are sometimes also referred to as Emergency Food Help programs dedicated to helping people overcome hunger. Food banks are spread all across America and are one of the greatest programs available in the world today. Being hungry feels terrible seeing your family experience hunger is even worse, these nonprofit organizations helps people all across America with food. I have bookmarked as many Food Bank Programs that I could find, I will add more as and when I find them.

If you know anyone who is experiencing hunger then forward this guide to them, if you know more hunger food banks then leave a comment below for people to share. You should also do some research on the internet to find churches that help with food. Go to Google Maps and then find all the churches in your area and contact them individually to inquire about churches that help with food. Nearly all churches have a program to help hungry people. Search for the following if you need emergency food help.

Search 1: Feeding America Food Banks

Search 2: North Carolina Feeding America Food Banks

Search 3: Food Pantries America Food Banks

#7: Grow Your Own Food

If you've got a garden you have to grow your own food or at least try, if you can become a better gardener every year then the less you'll have to spend on your grocery. When I was experiencing hardship my garden became a respite from the depression of not having money, I grew tomatoes, potatoes, apples, pears, plums and used every inch of my garden to get some food, leaving a patch empty was like saying no to money. If you've got a garden start growing things and see how much you can save, start small and then build your produce. If you're thinking about where to get help with food always consider your garden or allotment because it could contribute towards 50% of your food requirements which is just amazing.

#8: Eat Less

If you're overweight then try to eat less, if you've been putting off that diet or are thinking about losing some pounds from around the waist then do it now. Buy less food and start your diet, if you eat less you'll lose weight and have enough money to feed your family, stop spending on takeouts, on expensive beverages and foods with high fat and sugars, replace them with cheaper healthier alternatives, if you can lose weight, save money and become healthy in one go then your life will improve in three dimensions.

#9: Buy Low GI Foods

The reason I ate too frequently was because I was eating foods high in fat and sugars, this habit was also picked up by my children, the high from the taste of fat, sugar wore off quickly so we visited the fridge more often which increased our food bills. By switching to foods with low GI I was able to feel fuller for longer, foods like Weetabix mixed Low Fat Yogurt and fruits. The less we ate the less we spent on food so our food bill became more manageable.

I Need Financial Help

If you're desperate and have nowhere to turn to and need urgent financial assistance you should visit the USA.Gov website to find financial help from the Government. You could get help with mortgage assistance programs, military financial assistance, financial help for self-employed, and financial assistance for pensioners. All these programs are designed for people who need financial help.

I Need Help Buying Food Summary

If you need help buying food for your family then try some of the tips mentioned above, the more attention you put into the advice the more money you could save which will help you to put healthy nourishing food on the table for your family. Please feel free to comment and add more tips to this guide, the more tips there are the more people we can help. Also please forward this guide to anyone who is experiencing hunger, by using social media sites like Twitter, Facebook, and G+ we can reach a much wider audience. I really hope this guide helps. Be sure to read my other Millionaires Giving Money guides if you need financial help, these guides will help you save and make money in every area of your life.

1. Ask Millionaires For Help - Yes You Can

This is a long shot but it has been done, you've heard stories about how Donald Trump, Oprah, Ellen give away money well now it's your turn to ask. Send a hardship letter to ask many millionaires as you can and ask them for $100 dollars or more, state your need and explain why you need urgent financial assistance. If you can send out 200 professional emails then there is an outside chance you might reach your goal. Remember when you ask for online financial aid be completely honest, don't bend the truth however tempting it may be. Also provide supporting statements about why you really need the money.

If you're skeptical about this strategy then check out Craig Rowing the internet phenomenon who was able to get a donation for one million dollars just by asking millionaires for help on YouTube, it really does work.

2. Ask Celebrities For Help

The same as above, you need to find the names and contact details of celebrities and send them letters or emails asking them for help. The more celebrities you can reach the more money you can make. Again ask for donations of $100 or more and send out to at least 100 celebrities (I told you this was going to be hard). Your hardship email or letter should be tear jerking and compelling, it needs to make the celebrity reach into their tight pockets and give you an instant donation.

Some of the celebrities who have a proven track record in giving include Oprah Winfrey, Ellen DeGeneres, and even Jon Bon Jovi. Oprah has given away free vehicles, homes and even education scholarship while Jon Bon Jovi runs a foundation specifically for low-income families who are experiencing financial despair.

3. Ask All The Charities for Help

Charities can help. If you've got 20 charities in your area and they all give you a $100 donation then you've made $2000 already.The key is to be organized and make a list of at least 50 charities, call them one by one and sell your hardship to them, tell them you need help and ask for $100 and nothing else, some of these charities will refuse and some will say yes. Even if 25 of these charities say yes you've made $2500 already.

Some of the charities you can ask for help include the Salvation Army, YMCA, and smaller local charities who offer clothes, food, furniture, and appliance assistance. If you can get help towards these items you can save an awful lot of money.

4. Ask Local Businesses

Make a list of all the local businesses in the area, try to get the details for about 50 entrepreneurs in your area. Again call them one by one and explain that you are in hardship and need $100 right now, explain that you're a member of the community and are experiencing extreme financial hardship. Tell them this is their chance to do something good and you're prepared to offer your services in arrears.

5. Ask Billionaires for Money

This is a probably the longest shot, this is where you get the big guns out and start contacting people like Bill Gates, Mark Zuckerberg, Warren Buffett. These people are contactable through their charitable foundations but you need another way to reach them quickly. Create a YouTube video with a link to a donation page and then share your hardship in as much detail as possible, tell them you need $5000 and ask them for help, also ask anyone else who watches the video for help. This will work if you do it properly.

I Need 5000 Dollars Right Now

Making $5000 very quickly is hard and takes a lot of determination, some of the ideas mentioned here will work but really depends on why you need the money. The majority of the time you will be able to raise the money as long as you've got a legitimate need. Remember you need to be bold, determined and be willing to step outside of your comfort zone to make things work for you. Did you enjoy this article? was it a load of bull? share your thoughts below.

Here is the Set of Guides with Ideas to Make Money.

1. I Need 100 Dollars Right Now What Can I Do?
2. I Need 200 Dollars Right Now What Can I Do?
3. I Need 1000 Dollars Right Now What Can I Do?
4. I Need 2000 Dollars Right Now What Can I DO?
5. I Need 5000 Dollars Right Now What Can I Do?

If your situation is desperate and you need urgent financial assistance you should visit the USA.Gov website to request financial help from the Government. You could get help with military financial assistance, mortgage assistance programs, and advice on debt consolidation and debt management.

I Need 200 Dollars Right NOW

I need 200 Dollars right now what can I do? is a question I get asked frequently on the Millionaires Giving Money Blog. If you Need Cash Now there are ways to raise the money quickly? To answer the question above I created this Quick-Fire guide which gives ideas if you need 200 dollars right now. If you need money urgently and only have a few days then this guide should be beneficial. Earlier in the series we looked at how you could Get 100 dollars right now so make sure you check that article out before you read this guide.

If you need 200 dollars quickly then you probably need to pay a debt or a fine, alternatively you may want the money for a investment or to buy something at a really good price. Some of the ideas mentioned already in the other I Need Money article included selling items on popular eBay, offering your services, going on a date, investing in the stock market, mowing lawns or washing cars. These suggestions are very similar and will help you get $200 dollars right now if you're prepared to do anything. Don't for get to check out the other popular money making resources. All the ideas listed in the posts below are legal and legitimate ways to make money very quickly and it worth giving it a go.

I Need 10,000 Dollars Right NOW

I Need 5,000 Dollars Right NOW

I Need 2,000 Dollars Right NOW

I Need 200 Dollars Now IDEAS

1: Need 200 Dollars Today? Ask Friends & Family

This might not sound very appealing! I mean who wants to go grovelling to parents or friends for money, even if it is a loan? If you've got no other ideas and want to try this option out try to approach things professionally. You could create a loan agreement and itemize all the payments you're going to make and the interest you're going to pay. Have some valuables on the contract as security so they lender can have these items if you default. Having a contract will give friends and family more confidence to lend to you. If you need 200 dollars today then asking friends and family for a secured personal loan might be the quickest way to get the money.

2: I Need 200 Dollars! Go on Viral on Begging Sites

If I needed 200 dollars right now I would consider posting my circumstances on a Begging Site which asks people for money.How successful you are begging will depend on how many people you can reach online. If you need 200 dollars right now you could join all the begging sites and then post your problem online. If you then use search engine optimization to reach as many people as possible through twitter, Facebook, Google + then there's a good chance you could make a lot of money. Just ask for a $1 donation and try to reach about 10,000 people by networking on social media sites. Seriously if you can reach a wide audience you can make a lot of money.

3. Make 200 Dollar by Tomorrow Deals

If you're a natural salesperson then look for deals to make two hundred big ones by tomorrow, look to buy something cheap and then add value and sell it on at a higher price. Use other people's money to buy the item and then sell it on to make a profit. You could do this with electronics, cars, valuables and anything that people really want.

4. I Need 200 Dollar Loan

You should be able to get a 200 dollar loan by using your car as collateral, car title loans offer loans on the value of the car. If you've got a car get it valued and then get a loan against it. Remember not to borrow too much as these loans come with a very high APR. You should also consider using comparison sites to find the best payday loans which offer competitive interest rates.

Try to pay the loan off as quickly as possible and never miss a payment otherwise you'll lose your car. You can get cash loans online from payday cash advance lenders, make sure you check the small print and any charges that are levied on late payment. If you can find a fax payday loan or a car title fax loan then these will be quicker but will charge more.

5. Clean Windows - Clean 10 Houses for $200 Dollars Today

If you can charge $20 for cleaning windows in a house you only need to clean ten houses and make $200. All you need is a ladder and a willing and upbeat personality. When you pitch your service let the community members know that you're in financial trouble and need 200 dollars quickly. If they refuse then just ask them for a small donation as every little helps.

6. $200 Dollars Today Dares

If you're good at dares then start wagering money with family members and friends, make sure you can do whatever it is you can do. I use to know a person who could drink a whole bottle of olive oil and made up to $300 per day on the weekends on bets. If you've got a party trick then it's time to use it to make some money.

Need Cash Now

If you need 200 dollars right now and are willing to do anything then the chances of succeeding are pretty high. You need to have a can do attitude and take the bull by the horn. If you need the money for financial assistance then appeal to a person's better side. Share your problems and try to get a sympathetic response.

Here are all the suggestions to make $200 really quickly. If you need urgent financial assistance then ask for financial help from the Government, you could be eligible for mortgage assistance programs, financial assistance for pensioners and military financial assistance - Its worth a try.

1. Ask You Friends & Family for Money

2. Ask for money on viral sites

3. Make $200 dollar Deals

4. Car Title Loans

5. Clean Windows

6. 200 Dollar Dares

More Popular Money Making Ideas

If you're looking to supplement your income here are some more ideas to make money legally and quickly. I have used most of these ideas to supplement my income and I know many people who use these strategies to create more passive income streams.

Can I Get a Credit Card The Same Day I Apply?

When you apply for a credit card it takes about 10 days for the card to arrive. But what if you need the card faster? What if you need the credit card right now? What if you can't wait 10 days for the credit card to arrive? Basically, you need the credit card right now...

In this post, I will be revealing the best credit card companies where you can get the credit account approved instantly and get a credit card delivered overnight.

This means that you can start spending on the account as soon as the new account is opened, this is usually the same day your credit card application is approved.

Instant Credit Card Use it Today

AMEX is one of the best credit cards if you want your credit card account today. Amex delivers it's credit cards automatically overnight and they will even deliver the credit card on a Saturday.

Also, another interesting point worth noting is that you can sometimes use the AMEX Credit Account through the AMEX checkout and the transaction will go through, this is not guaranteed but it's worth a try if you need the money quickly.

Here is the list of AMEX Credit Cards which offer overnight delivery...

1. The Platinum Card From American Express

2. The Business Platinum Card From American Express

3. Premier Rewards Gold Card from American Express

Instant Credit Card Use it Today

If you want an instant credit card approval with a number, and want to use it today you could try Bank of America.

The card you should apply for is the Bank of America Alaska Airlines Visa Signature Card. You can find this by doing a search on Google for the credit card application website.

If you approved for the credit card your will get your account information and you can start using the card straightaway as shown below. It's like an instant virtual credit card.

Sometimes, the account number, card expiration date, and CVV are not given instantly. When this happens just call of Bank of America and ask them to provide you with these details over the phone.

How To Get Your Credit Card Shipped Faster

Credit Card Overnight Delivery with a Fee

If you're prepared to pay a fee for an immediate credit card you could try applying for a Barclaycard Arrival Plus World Elite Mastercard.

For a $30 dollars fee you could have the card sent overnight. If you want the credit card within 2 days you can also pay a $15 dollar fee.

Some credit cards like the Barclaycard Arrival Plus offer a waived fee for sending out credit cards quickly.

Instant Credit Card Approval Delivered Tomorrow

Another excellent Credit Card company is Chase.

You can get the Chase Sapphire Preferred and the Chase Ink Plus sent overnight for free.

After you are approved for the Chase Sapphire Preferred or Chase Ink Plus, just call customer services and ask them to send the card to you overnight.

You should also ask them for the Account Number, expiry date, and CVV. Sometimes, Chase is happy to provide this information over the phone.

Fast Delivery Credit Card Companies

If you want another credit card company which sends its credit cards quickly you should try Discover Credit Card.

There are two cards, in particular, the Discover IT, and the Discover IT Miles.

Both these credit cards are shipped quickly and come with other perks such as 10% cash back and double air miles for new members.

Rushed Shipped Credit Cards

If you can wait a little longer you should also try the US Bank credit cards.

When you are approved instantly for the following credit cards you can call customer services to have them rushed shipped for 15 to 30 dollars.

1. Club Carlson Premier Rewards Visa Signature Card

2. U.S. Bank FlexPerks Travel Rewards Visa Signature Card

3. U.S. Bank FlexPerks Travel Reward American Express Card

Instant Credit Card Approval for Bad Credit No Deposit

If you have bad credit and need cash fast you could try applying for credit cards from Aqua, Luma, and Capital One. Sometimes, all these credit card companies offer instant approval if you meet their minimum bad credit lending criteria.

These credit card companies also offer direct transfer to bank account.

What you have to do is call up all these companies which offer bad credit credit cards and ask them if they are able to ship the card overnight or offer an account number, expiry date, and CVV. You should also ask whether they offer direct transfer to a bank account so you can get the money quickly.

Can I Get a Credit Card the Same Day I Apply?

If you have good credit and you apply to some of the credit card companies above you should be able to get the credit card the same day you apply.

The trick is to apply for credit cards that offer instant approval and then call up customer service to have the credit card sent earlier or the details given out.

This process has worked for many people and it could work for you.

I Can't Pay My Credit Card Bills What Should I Do?

Debt is a big problem for some people. I recently got an email from one of my readers asking for help...

Reader Question

I can't pay my credit card bills what should I do? I am struggling to pay my Chase, Capital One, Aqua, and Citi credit card bills.

If I can't pay my credit cards what will happen? What can I do if I can't pay credit cards? I was recently laid off and got another job but with less pay. I am now struggling to make these payments. Please advise me.

My Response

First of all, I am sorry that you've lost your job and had to take another one with less pay. I am glad you have a job because life would be so much harder without money coming in at all.

I have devised a 10 step action plan that you should implement but before I share this with you I wanted to answer some of the questions you have put in your email as follows...

I Can't Pay My Credit Card Bills What Should I Do?

The first step is to contact all your creditors to let them know of your circumstances. Do not delay informing your creditors because they can and will help you. I will go into this in more detail in the 10 step action plan.

If I Can't Pay My Credit Card Bills What Will Happen?

If you stop paying your credit card bills without informing your creditors they will add fees and interest on your account and it will eventually snowball out of control.

Eventually, the account will be closed down and sent to debt recovery agents who will demand payment from you. These debt collectors will keep adding fees and interest so it's very important to contact creditors straight away.

What Can I Do if I Can't Pay Credit Cards?

If you can't pay your creditors the minimum payment every month you should at least make a token payment of 1 dollar a month. This will show the credit card company that you do want to pay off the debt eventually.

10 Step Action Plan If You Can't Pay Credit Card Bill

If you follow this 10 step program you will overcome your debt and pave the way for a better future. Take Action now. Do not delay as things will get worse if you fail to take action.

Step 1: Call All Your Creditors

Call your creditors and say you can't make the minimum payments on your credit card. Just tell them you've had to take a cut in pay and you're struggling at the moment.

Make a request to the credit card company to stop all interest and charges so the debt does not escalate out of control

Step 2: Fill Out Your Income and Expenses

Take a piece of paper. On one side list all your income. On the other list all your expenses.

Work out how much disposable income you have and then this is what you can use to pay your credit card company.

Putting all your income and expense on paper will help you get a handle on where the problem is.

Step 3: Reduce Your Expenses

Wherever you can you must reduce your expenses. Go through all your expenses and make some brave and painful decisions.

Try to cut as much as you can off your expenses so you can pay more to the credit card company.

Step 4: Give Financial Statement to Credit Card Companies

Once you've completed your income and expense statement submit this to the credit card companies.

The disposable income you have at the end of the month must be used to pay off the credit card debt.

Make an offer to all the credit card companies by making a proportional payment using your disposable income.

Step 5: Ask Credit Card Company to Accept the Offer

You should ask the credit card company to accept the offer.

If the credit card accepts the offer make sure you keep up with the payments. If you fail to make payments they will close the account and send it to debt recovery.

Step 6: Increase Your Pay

To get back to the position you were in you must increase your pay.

Look for ways to increase your pay in your existing job or look for another job which pays more.

The quicker you can restore your original income the quicker you will find a solution.

Step 7: Consolidate Your Debt

You should also think about paying off all your credit card debt with a consolidation loan.

If you have good credit you can apply for a loan and pay less in interest.

You can pay off the credit cards with the loan and just stick to the one lower payment.

Debt Consolidation loans is an option you must explore because you will pay less in interest and have just one creditor.

You have to get a debt consolidation loan as soon as possible because if you miss a few payments on your credit card your credit score will go down the toilet and you will not be approved for debt consolidation. Act NOW!

Step 8: Debt Counselling

Get in touch with a debt counseling charity.

These organizations will offer better quality advice and tell your exactly what to do.

You must involve a debt counseling charity if you have a mortgage because the last thing you want is debt collectors chasing your home.

Step 9: Don't Get Additional Credit

One temptation when you can't pay your credit card is to take out more credit.

Do not do this as this will compound your problems and you will get in deeper trouble.

Make a commitment never to get more credit until you've got a handle on this problem.

Step 10: Insurance on Credit Card

Sometimes credit cards come with payment protection insurance.

If you did take out payment protection insurance you should make a claim on this policy.

Ask the credit card company about this because sometimes they overlook these policies and just want to get their money back.

I Can't pay My Credit Card Bill What Should I Do?

You can't have your credit card debt written off and you can't stop making payments.

The only viable solution is to follow the 10 Step Action Plan above to get a handle on the problem.

I would definitely suggest debt consolidation as this simplifies the problem.

You should also consider debt counseling especially if you have an asset like a home.

Contacting your creditors immediately goes without saying. Try working with the creditors to find a solution. Compromise is the key if you are unable to pay credit card minimum payment.

I wish you all the best.

Where can I Get a 1000 Dollar Loan With Bad Credit?

21-year-old Steve emailed me with the following question...

Reader Question

I'm after a $1000 personal loan. Where can I get a 1000 dollar loan with bad credit? I recently checked my Experian credit score and had poor credit. I doubt I'll be able to get a loan from the banks because of my bad credit and was looking for alternative ways to borrow 1000 dollars quickly.

Is there any way I can get a 1000 dollar loan guaranteed? Also is there any way to get 1000 dollar loan with low interest?

My Answer

Hi, Steve and thanks for asking the question.

With bad credit, you will be able to get a 1000 dollar loan however the interest will be very high.

In this post, I will be sharing 10 ways you can get 1000 dollar loan with bad credit.

Before I do this I wanted to answer the questions you asked in your email and offer some advice on repairing your credit score quickly.

Reader Questions

Q1: Where Can I Get a Loan With Bad Credit?

There are plenty of ways to get a loan with bad credit. You will need to be employed and over the age of 18. You will need to be employed for over 6 months to be seriously considered for a loan and you must be a US Citizen.

Normally to be considered for a bad credit loan you must earn at least 1000 dollars a month after tax. One of the best places to get a 1000 dollar loan is Better Loans Mutual. You can submit your details in 3 minutes and get an answer in 24 hours and have the money in your account the next day. If you want to apply for this click the image below.

Q2: Is There a Way I Can Get a Loan Guaranteed?

To get a loan guaranteed regardless of your credit score you will need a cosigner to sign the loan. When a cosigner signs they are legally bound to pay off the loan if you default on the loan payments.

The cosigner must have a good credit in order to sign the loan.

Q3: Is There a Way to Get a 1000 Dollar Loan with Low-Interest?

If you want to get a 1000 dollar loan with low-interest you will either need a cosigner or you will have to put a security against the loan.

Both of these options will reduce the interest but it will still be pretty high. It's better to work on your credit score to get into the good credit bracket so you can apply for loans with lower interest.

Where Can I Get 1000 Dollar Loan with Bad Credit?

One: Direct Deposit 1000 Dollars from Credit Card

Some credit cards offer direct deposit to your bank account.

Call up all your credit card companies and ask them if they can deposit 1000 dollars in your bank account. Also, ask if there are any promotions at the moment.

I remember I was able to get 2000 dollars for zero percent interest with a 2% transfer charge over 12 months. This means I only paid $40 for the direct deposit so long as I paid the direct deposit within 12 months.

Two: Spend 1000 Dollars on Your Credit Card

If you need the 1000 dollar loan to make a purchase you can use your credit card as an option.

Again, call your credit card companies up and ask them if they have any special deals on purchases. Explain that you want to spend some money on your credit card and you want the best deal possible.

I did this and was able to get zero percent interest for 6 months on credit purchases.

Three: Apply for a Bad Credit Loan for 1000 Dollars

The only Bad Credit Loan broker I recommend is Better Loans Mutual as mentioned above.

Better Loans Mutual have a panel of over 100 lenders who will compete to give you the best deal. You can borrow between 1000 and 5000 dollars and it only takes 5 minutes the apply.

You must be over 18 and employed with at least 1000 dollars earned per month after tax. You also need to be a US Citizen. You can apply by clicking the image below.

Four: Secured Installment Loan for 1000 Dollars

Installment loans allow you more time to pay off your loan. They are becoming very popular and people with bad credit are welcome.

You can apply for a 1000 dollar installment loan through Better Loans Mutual above.

Five: Payday Loans for 1000 Dollars

I don't want to recommend Payday loans because they have very high interest rates and not all of them offer 1000 dollar loans.

If you are running out of options then this is something to consider. These loans need to be paid back on payday or within 3 months and have interest over 400% so it's very expensive.

Six: Cash Advance from Credit Card

Another way to use a credit card to get a loan is to use the cash advance facility they offer.

This is a very expensive option. One trick you can use is to ask for a zero percent cash advance by calling your credit card company and making a speculative request.

Many borrowers have used this strategy with success.

Seven: Get a Better Mortgage Deal

If you're on a high-interest mortgage you should consider switching and getting a better deal.

If you can shave 1 percent off your mortgage you could be saving hundreds ever month. If you have equity in your property when your switch you could borrow an extra 1000 dollars on your mortgage and pay less than what you were initially paying.

Eight: Apply for a Cosigner Loan for 1000 Dollars

If you know someone who has good credit you could ask them to become a cosigner on a loan. This would increase your chances of getting a loan with bad credit.

Make sure you can afford the loan otherwise the cosigner will have to pay if you default on the monthly payments.

Nine: Get a Secured Car Title Loan

You can use your car as collateral to get a secured car title loan. With a car title loan, your credit will not affect the decision.

Make sure you shop around for a good rate as you are putting up security for the loan.

Ten: Borrow From Friends and Family

The best way to borrow is by asking your friends and family.

If they trust you they will lend you the money without charging interest. You could also get away with paying a small percentage.

To formalize the deal you could use a loan contract template and put up security and pay a small percentage of interest. You should also create a payment schedule and stick to it.

Improve Your Credit Score for Cheaper Loans

If you don't need the 1000 dollar loan immediately you should use your time to fix your credit score. Here are 10 quick ways to go from Poor Credit to Good Credit. I personally used these tips to increase my Experian Credit Score from poor to excellent.

Tip 1: Check if all the information is current on your credit file

Tip 2: Register to Vote and have the same permanent address for all credit cards and banks

Tip 3: Set up an automatic payment for all credit cards so you never miss a payment

Tip 4: Call every credit card company and ask for an increase in credit

Tip 5: Never spend more than 30% of your credit limit

Tip 6: Pay 10% more of your minimum payment every month

Tip 7: Pay a week before the payment is due

Tip 8: Dispute any old defaults and ask to have them removed

Tip 9: Remove all financial associations with people with bad credit

Tip 10: Don't apply for credit all the time

Where Can I Get a Loan With Bad Credit?

There are plenty of options to get a loan when you have bad credit.

If you do take out a 1000 dollar bad credit loan you will have to pay high-interest.

To lower the interest consider taking out a secured loan or a cosigner loan.

To get the lowest interest rate loans you must improve and repair your credit score over the long-run.

I Need a Loan Today But Have Bad Credit

I got an interesting email from a 24-year-old woman who needed a loan today but had bad credit...

Reader Question

Recently my vehicle broke down and I need a loan to fix the car. I need a loan today but have bad credit. I don't know what to do.

I checked my Fico Credit Score and my credit was poor. I have already been refused by the bank and I'm not sure what do? So my question is I need a loan today but have bad credit, what are my options?

I am on a very tight budget so I need a low-interest loan with bad credit, where can I get this? My mom has good credit, is there any way she can help? Please help, I need some quick ideas.

My Response

Hello and thank you for emailing me with your question.

I'm sorry to hear about your vehicle.

If you have a poor credit score you can still take out a personal loan for people with bad credit but it will be expensive.

In this response, I will be giving you 10 ways to borrow money either today or in 24 hours.

To begin with, I will answer some of the questions you have asked and will also offer tips to improve your credit score.

In the long run, I would recommend you improve and repair your credit so you can borrow money for less.

Reader Questions:

Question 1: I Need a loan today but have bad credit, what are my options?

If you need a loan today you could take out a payday loan or an installment loan. These loans are high-interest so it will be expensive.

I think it would be better to wait 24 hours so you can get a better loan at a lower cost. There are plenty of options for bad credit loans.

Question 2: I Need a low-interest loan with bad credit, where can I get this?

Unfortunately, if you have bad credit you will be charged high-interest. You can overcome this problem by getting a secured loan or having your loan cosigned.

This two options will reduce your interest rate charged.

Question 3: My mom has good credit, is there any way she can help?

Your mom could cosign your loan which means you will be charged less interest because the risk is reduced.

If you fail to make your payments your mom will have to step in so be careful and make sure you can afford the loan.

Need a Loan Today But Have Bad Credit Quick Ideas

Here are some quick ideas you wanted. To read more about these bad credit loans for people with bad credit check out the following post for more details on loans for bad credit with direct lenders, loans for bad credit with no guarantor and unsecured loans with bad credit.

Here are the QUICK ideas...

Idea 1: Zero-percent interest direct deposit from a credit card

Idea 2: Zero-percent cash advance from a credit card

Idea 3: Zero-percent credit purchases from a credit card

Idea 4: Installment loans for people with bad credit

Idea 5: Car title loan for people with bad credit

Idea 6: Cosigner loan for people with bad credit

Idea 7: Borrow from friends and family

Idea 8: Restructure your mortgage at a lower rate and borrow more money

Idea 9: Take out a secured loan by using collateral

Idea 10: Pawn valuable that you may have

Credit Repair/ Improvement for People With Bad Credit

You must improve your credit if you want to borrow money for less.

You must also establish an emergency fund so you can avoid borrowing money when you have these emergencies.

Here are 10 tips to repair and improve your credit score. I was able to take my credit score from poor to excellent using these tips.

Tip 1: Create automatic monthly payment to your credit cards so you never miss payment

Tip 2: Make sure all the information on your credit file is accurate and up-to-date

Tip 3: Register one permanent address across all bank accounts and credit cards

Tip 4: Ask all credit card companies to increase your credit limit every 6 months

Tip 5: Pay 10% more than the minimum payment every month

Tip 6: Pay your bill 1 week in advance every month

Tip 7: Never use more than 30% of your credit limit

Tip 8: Make one credit application every 6 months if you have an 80% chance of success

Tip 9:Never apply for credit in joint names and remove all bad financial disassociation

Tip 10: Ask to be put as an additional signatory on a credit card account with someone who has excellent credit

Need a Loan Today But Have Bad Credit

Unfortunately, there are no such things as bad credit loans online with instant decisions where you get the money immediately. You will have to submit an application and wait for it to be approved, it normally takes 24 hours for the money to be in your account.

Also, there if you want to consider bad credit loans with no credit check you will have to go down the cosigner loans and car title loans option.

Unsecured loans with bad credit will have very high-interest which is why it's important to repair and improve your credit with the 10 tips given above, they really do work.

My Recommendation - Better loans Mutual

Given your personal circumstance, I would recommend an installment loan or a cosigner loan.

For the cosigner loan, your mom could be a cosigner, as mentioned earlier make sure you can afford the loan otherwise your mom will have to make your payments.

You can also apply for an installment loan from Better Loans Mutual by clicking the image on the left. This is the only loan broker I recommend because they have a panel of over 100 lenders who are competing to give you the cheapest loan.

You can borrow anything between 500 to 5000 dollars and you can choose how long you need to pay the loan off. It takes 3 minutes to submit the application online and you get a decision in 12 hours and the money in your account in 24 hours.

To apply you have to be over the age of 18 and in full-time employment for over 6 months earning 1000 dollars per month after taxes. You must be a U.S. Citizen.

You can apply by clicking the image above...

I Need a Personal Loan But I Have Really Bad Credit

A few days ago I received an email from Emma, the subject of the email was I need a personal loan but I have really bad credit.

Emma is a 23-year-old single mother with 3 children and she has allowed us to share her email...

Reader Email

I'm working full time at the moment but can barely make ends meet. Recently, my heating system broke down and the plumber said it could cost as much as 1000 dollars to make repairs.

I have no emergency fund and I need a personal loan but have really bad credit! I noticed you help people with advice so I wanted to ask the following questions...

Q1: Can you get a loan with bad credit?

Q2: How can I get approved for a loan?

Q3: How can I borrow money with bad credit?

Q4: How do I get a payday loan with bad credit?

Q5: Can you take out a loan with no credit history?

Q6: What is a loan broker?

I really need direction right now. I always seem to get a little ahead and then all my savings are wasted because something breaks down! please help I need money desperately!

My Reply to Emma

I'm sorry to hear about your problems, rest assured there are solutions.

It must be very tough raising 3 kids while working full-time so I take my hat off to you.

In this post, I will be answering the questions above and I will offer 10 ways to get loans for bad credit.

I will also be advising you on how to avoid getting into debt with 10 tips on personal finance as well as 10 tips for improving and repairing your credit.

Reader Questions:

Question 1: Can you get a loan with bad credit?

You can get a loan with bad credit. Unfortunately, you will have to pay more in interest.

You can get loans for bad credit with direct lenders and loans for bad credit with no guarantor. You do have a lot of options with bad credit but you will have to pay more.

Question 2: How can I get approved for a loan?

To get approved for a loan you must be in employment for at least 6 months. You must be over the age of 18 and be a U.S. Citizen. You must make at least 1000 dollars per month after taxation to be eligible for a decent loan with reasonable interest.

Question 3: How can I borrow money with bad credit?

The best way to borrow money with bad credit is via a broker company like Better Loans Mutual. You can get a loan for bad credit with no guarantor.

The application process takes about 3 minutes and you get a decision within 12 hours. If everything checks out you could get the money in your bank account within 24 hours.

Better Loans Mutual offer installment loans so you can choose how long you need to repay the loan, unlike payday loans. These loans are cheaper than payday loans. You can submit an application by clicking the image below.

Question 4: How do I get a payday loan with bad credit?

You can get a payday loan with bad credit. You can find plenty of payday lenders by just doing a search for it using your location.

I would not recommend a payday loan because they are expensive and want payments quickly. Some payday loans want you do settle the loan on payday or within 3 months.

These types of loans can cost a lot, and if you fail it pay it on time you will incur some heavy fines. It is better to use a company like Better Loans Mutual above.

Question 5: Can you take out a loan with no credit history?

It is hard to get unsecured loans with bad credit. It is impossible to get an unsecured loan with no credit.

The only exception is when you take out a car title loan or when you use a security as collateral. If you fail to make payments on time your security will be taken to pay off the loan.

Question 6: What is a loan broker?

A loan broker is a company which has a panel of brokers. They take your details and pass them over to the panel of lenders and then get the best deal for you. This is exactly what Better Loans Mutual above does.

10 Ways to Get a Loan With Really Bad Credit

Here are 10 ways you can get a 'personal loan' if you have really bad credit.

I have used these ideas myself and it does work. I would call the credit card company to see if you can get a zero-percent deal so you can save money.

You can read about these ideas in detail on the following post - 10 ways to borrow money with bad credit.

Idea 1: Direct deposit to bank account from credit card

Idea 2: Balance transfer to a credit card that offers direct deposit to bank

Idea 3: Zero-percent credit purchase (you could pay plumber with credit card)

Idea 4: Better Loans Mutual for people with bad credit - money in your account in 24 hours

Idea 5: Payday loans - This is very expensive so be careful

Idea 6: Car title loans - you could lose you car if you miss payments

Idea 7: Installment Loans - this is high interest but you pay it over a longer period

Idea 8: Remortgage your property to release equity on a better interest rate deal

Idea 9: Take out a pawn shop loan on valuables - you must make all payments

Idea 10: Borrow from friends and family with proper loan agreements and schedule of payments

10 Tips to Sort Out Your Personal Finance

To improve your personal finances I would advise you to put into action the following tips. I've read more personal finance books than I care to remember and these are the 10 tips that keep repeating themselves.

These tips will pave the way for a better future. These are the tips I used to improve my personal finance.

Tip 1: As soon as you're paid, automatically save 10% in an Emergency Fund account

Tip 2: Make a list of all your expenses and try to reduce it by 30%

Tip 3: Progress your career and ask for a pay rise, or find a better-paid job

Tip 4: If you can, get a 2nd job and save all the money you make in a savings account

Tip 5: Repair and improve your credit so you can borrow money cheaply

Tip 6: If you can, you should downsize to pay less in rent

Tip 7: Look for ways to supplement your income online e.g. blogging

Tip 8: See if you can get a scholarship or grant to study or learn a skill to get a better job

Tip 9: Cook your food from scratch and embrace batch cooking

Tip 10: Don't take out more debt until you have a beefy emergency fund

Repair Your Credit

If you have really bad credit you should repair it.

You never know when you'll need to borrow money or you might want to take out a mortgage in the future so having good credit will give you a head start.

This is really important...

Here are 10 tips below to improve your credit. I have used these tips to take my credit score from poor to excellent over a period of 9 months.

Now I have access to loans, credit cards, and mortgages with low-interest rates. By fixing your credit now you could save thousands in the future.

Tip 1: Set up an automatic payment to credit cards and loans to avoid missed payments

Tip 2: Don't take out more credit. Only apply for one product every 6 months

Tip 3: Never exceed your credit limit by more than 30%

Tip 4: Call your credit card company to ask for a credit limit increase every 6 months

Tip 5: if you have defaults you must dispute them to get them removed

Tip 6: If your credit default is more than 6 years ask to have this stricken from the report

Tip 7: Register one permanent address with all credit cards, loans, and bank accounts

Tip 8: Pay more than 10% of the minimum payment every month

Tip 9: Pay 1 week before the minimum payment due date

Tip 10: Check your credit report regularly to see the progress you are making

I Need a Personal Loan But Have Really Bad Credit

Given your circumstances, I would recommend Better Loans Mutual. You can click the image above to apply. The application process in 3 minutes and if approved the money could be in your account in 24 hours.

Going forward you should put the 10 tips for improving your personal finance into practice. I guarantee your circumstances will be better in 12 months if you take action.

You should also prioritize fixing your credit. You never know you'll need additional credit so you might as well fix your credit score now.

I Need Unsecured Credit Cards for Really Bad Credit

Warren is a 22-year-old who is in full-time employment. He emailed me with the following question...

I need unsecured credit cards for really bad credit. I recently checked my credit report and my Fico score is below 600 which is poor credit.

I want to borrow money in the future and I'm fed up with resorting to payday loans which charge high interest. I also desperately wanted to rebuild my credit for the future because I plan on settling down soon and hopefully one day owning my own home.

I need to know the following...

Q1: Can I apply for a bad credit credit card with a Fico score less than 600?

Q2: What are the best credit cards for people with really bad credit?

Q3: How many bad credit credit cards should I apply for at any one time?

Q4: What can I do to quickly improve my Fico credit score from Poort to Good?

Q5: Which bad credit credit card should I apply for given my poor credit status?

Look forward to hearing from you...

My Response

Hello, Warren and thanks for emailing The Millionaires Giving Money Blog.

As a 22-year-old guy, you are asking all the right questions to get the right credit card and to improve your credit.

In this post, I will answer your five questions and make recommendations for the best credit cards for people with really bad credit.

I will also offer 10 tips to improve your credit score as well as 10 tips to improve your personal finances.

I really hope you put all these tips into action. I was in a very similar situation and I was able to go from poor credit to excellent credit!

Your Questions Answered...

Q1: Can I apply for a bad credit credit card with a Fico score less than 600?

You can apply for bad credit credit cards with a Fico Score less than 600. There are credit cards for people with Fico scores less than 550 and for people without any credit history.

Unfortunately, you will get a relatively high-interest rate and a low credit limit. You will not get the best deals like zero percent credit cards as these are reserved for people with excellent credit, something you should aspire to.

Q2: What are the best credit cards for people with really bad credit?

The best credit cards for people with really bad credits are offered by Credit One Bank, Surge, Fingerhut, USAA, and Discover. I will be providing a full list of credit cards for people with really bad credit under 600.

Q3: How many bad credit credit cards should I apply for at any one time?

You should do your research and find credit cards you are most likely to be accepted for. One you find these credit cards you should only apply for one every 6 months.

The reason for this is you do not want to come off as desperate for credit as every time you apply a hard check is added to your credit file and this reduces your Fico Credit Score.

Q4: What can I do to quickly improve my Fico credit score from Poort to Good?

You are asking the right question here. Below I will be offering 10 tips to quickly improve your credit score. I used these tips to take my credit score from poor to excellent in 9 months.

Q5: Which bad credit credit card should I apply for given my poor credit status?

Given your circumstances, I would recommend the USAA Classic Platinum. This card is unsecured so you don't have to put up a deposit. There is a $35 annual fee and APR of 18.40% to 24.40%.

This card is great for rebuilding credit and there is no foreign transaction fee when you travel overseas.

Unsecured Credit Cards for Really Bad Credit

Here is a list of 10 unsecured credit cards for people with really bad credit.

You should apply for one every 6 months. The USAA Classic Platinum Visa has a $35 annual charge and is targeted towards people with really bad credit. This is the credit card you should apply for now.

If you're approved that's great.

If you are declined wait another 6 months before you apply again and consider applying for a secured credit card which is easier to be approved for and will help you build your credit.

You will need a $200 dollar deposit but this will be a great way to improve your credit.

Card 1: USAA Classic Platinum Visa with $35 annual charge

Card 2: Fingerhut Credit Account with no annual charge

Card 3: Surge Mastercard Credit Card

Card 4: Credit One Bank Unsecured Visa Credit Card with annual charge 0 to $99

Card 5: Credit One Bank Visa Credit Card with 1% Cash Back

Card 6: Credit One Bank Unsecured Visa - No deposit required

Card 7: Total Visa Unsecured Credit Card

Card 8: First Access Visa Credit Card Unsecured

Card 9: The Luxe Signature Mastercard Unsecured Credit Card

Card 10: Horizon Gold Card Excellent for rebuilding credit

Tips to Improve Your Credit Score

Here are 10 quick tips you should use to improve your Fico Credit Score from Poor to Good. I used these tips to improve my credit score from poor to excellent.

These tips work so take action now.

Tip 1: If you have existing credit cards set up an automatic payment so you pay on time

Tip 2: Never spend more than 30% of your available credit limit

Tip 3: Have one registered address for all bank accounts and credit cards

Tip 4: Call up existing credit card companies and ask them for a limit increase

Tip 5: Do not apply for more than 1 credit card every 6 months

Tip 6: Pay more than 10% of minimum payment every month

Tip 7: Pay 1 week in advance every month, this will improve credit score

Tip 8: Become an authorized signatory with a person with really good credit

Tip 9: Remove financial association with people with bad credit

Tip 10: Dispute all defaults on your credit account if older than 6 years and remove them

10 Tips to Improve Your Personal Finance