We’ve all hit those moments when the bank account is empty, the bills keep coming, and you’re left thinking, “What the heck do I do now?” First, take a breath. You’re not alone, and it’s not the end of the world. Here are 11 practical, doable things you can try when you’re out of money, to help you get through the tough spot and start finding your way back on track.
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Take a deep breath and don’t panic
First of all, take a deep breath. It’s scary to feel broke, but freaking out will just make your brain spin. Remind yourself that you can figure it out, no matter how desperate your situation is.
Look at exactly what you’re working with
How much is actually in your bank account? Wallet? Loose change in your drawer at home? Look at your balances, see what you actually have, even if it’s only two dollars. Knowing your exact situation helps you plan better than guessing or avoiding it.
Prioritize the must-haves
Right now, it’s all about keeping a roof over your head, staying fed, and covering the basics. Forget about things like Netflix or takeout. This is survival mode, and that’s okay.
Check what help or resources are available
There’s no shame in seeing if you qualify for food banks, local aid, or community help. Tons of people have been where you are, and these resources exist for a reason.
Look around for things to sell
Clear out your drawers of old clothes, unused electronics, furniture, books, or gift cards you’ve gotten for holidays. See what you can sell online or to friends or family. It might not be much, but it can help cover gas, groceries, or bills for now.
Pick up small gigs or odd jobs
There are always little jobs you can hustle to scrape together a few dollars if you are able to work. Some examples are dog walking, babysitting, cleaning, lawn mowing, or quick online gigs like taking surveys. Ask your neighbors, post on local social media groups, and check apps.
Cut every non-essential expense
Cancel subscriptions, pause unnecessary spending, and avoid online shopping “just to browse.” Every little dollar saved right now matters more than you think.
Reach out to people you trust
You don’t have to handle this all alone. Talk to a friend or family member, not necessarily to borrow money, but to let them know you’re struggling. They might offer emotional support or help you find resources.
Look into community swap or free groups
Check out local “Buy Nothing” groups or neighborhood swaps where people give away clothes, food, or household items they no longer need. You might be surprised what you can pick up for free.
Get creative with meals
Check your pantry, freezer, or fridge and figure out what you can stretch. Simple, cheap meals like rice, eggs, pasta, or soup can carry you further than you think.
Make a small plan to bounce back
When you have a handle on this moment, try to put together a simple plan for the next few days or weeks: job applications, extra shifts, bare-bones budget. Focus on small, realistic steps instead of trying to “fix everything” overnight.
Disclaimer: This list is solely the author’s opinion based on research and publicly available information.
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