Help...PLEASE OPEN?

Question

does anyone know of some websites that i can go to and take surveys to earn money without paying for anything? Im in a bit of a financial bind and need some help, but i dont know what websites are safe and what ones arent so any information you can give me would be greatly appreciated!

maybe not get me OUT of the bind, but every little bit helps.

Answer 1

http://mysurvey.com gives you "points" for filling out their surveys, I don't remember how I got on their list, I love showing how frugal I am to the survey people. Once you have 1000 points, you can redeem them for $10.00 cash. It takes about a year to get $20.00 so you aren't going to get out of a cash crunch from that.

Here is what I did when I was faced with a cash flow problem. [long]

* I got rid of the cable TV/Satellite service. That saved me $50 a month. You'll save at least $40 and up to $100 if you got suckered into "Premium" services such as Showtime or HBO. Television is garbage anyway, and you are better off not watching it. True, there are some things on PBS, Discover and the History Channel that are worth while, but it's not worth spending $50 a month for. I still own a television set, but it is used mostly to watch tapes and DVDs borrowed from friends. It's hooked to an outside antenna for the rare moments, such as a flood emergency, that I even want to watch broadcast television.
* The next item was to get rid of all the "Phantom Loads". What is that? You may ask. That is all the electrical appliances in a typical household that still draw current, even though they are "off". The worst offenders are TV sets, VCRs, anything with a remote control. You see, in order to respond to the power on command from the remote control, part of the set still must be "on" in order to receive commands from the remote. While the drain may only be a couple of watts, the fact that the drain is continuous makes it all add up. I unplug all these appliances when not actually in use or put them on a switched outlet. I saved slightly over $20 a month on my electric bill by getting rid of these phantom loads.
* I started driving less. I was shocked to find that I was spending over $2000 a year for gasoline, and that was before prices went nuts. Since I run my own business, I don't have to show up 5 days a week. There was nothing at the post office that couldn't wait a day, so I started driving only three days a week. I took the time to work out on a map a minimum mileage route for things that need to be done. Grocery shopping is done only once a week. Before going on the shopping trip, I check the pantry for items that are running low and buy enough to last a week. If I run out of something, too bad, it waits till the next shopping trip and I learn to be more careful about checking stock before I go. Of course I always take advantage of sales, but only if the unit cost of the sale item is less than buying the house brands. Which is a good segue into the next item.
* I Buy house brands. With few exceptions, house brands are every bit as good as the over advertised national brands. You'll save anywhere from 5% to 25% by switching to a house brand. The only items that I found in house brands that were not as good were dry cat food (the cat's did not seem to do well) and lab tests have shown that house brand dietary supplements do not have the same level of active ingredients as name brand supplements. However note that the house brand OTC drugs and prescription drugs are every bit as good as the name brands, it's only the supplements that have the problem. You can also minimize the need for supplements by eating a well balanced diet.
* I Cook from scratch. Prepared food is always more expensive, and full of additives that are probably not good for you. Even simple items like Bisquick contain things like soluble salts of aluminum, which have been implicated in Alzheimer's disease. You are better off health wise and financially by making your own baking mix from flour and baking soda.
* I never buy "Soft Drinks" (known as 'soda' or 'pop' in some parts of the country). Why waste money on sugared water that is not good for you? If I'm thirsty, I'll drink tap water, which is the best thirst quencher.
* I Eat In, I Don't Eat Out: When you eat out, you have to pay for the rent or mortgage on the restaurant building, the wages of the employees, and the profit for the owner as well as the cost of the food and the fuel to cook it. By eating at home, the only costs are the food and the fuel. I saved $35 a month by switching to Friday night dinner at home. This is in an area where you can get a good restaurant meal for $10 a person. You'll save even more in an expensive city. Even a frugal meal at the local fast food emporium is going to set you back $5.00. You can "brown bag" a meal for less than $1.00. Oh, be sure to reuse the bag until it falls apart, which brings us to:
* I Never buy garbage bags. Reuse the bags that you get at the grocery store for your lunch container and for putting out the garbage. Sure they are small, but who cares? They all go into a garbage can just fine! I know that some people just set out the 20 gallon garbage bags by the curb, but that is just asking for the garbage to be raided by animals before it gets picked up.
* I keep the heat down during heating season. My house is zoned, so rooms that are not being used are set to 55 F. Rooms that are infrequently used are set to 60 F. I have one "warm room" that I keep at 65. If you have forced air, you can close off the registers to the unused rooms. If you have electric baseboard heat, those usually have individual controls. If you have hydronic baseboard heat, the best you can do is close the flaps on unused rooms. If you have one pipe steam, you can install a Varivalve in place of the standard vent, as the name implies, the device is adjustable. Don't try to moderate a one pipe steam system by closing the radiator valve part way, you'll just have knocking and banging if you do.
* I use the wood stove for heat: I'm fortunate enough that the place where I live has a Franklin Stove and 50 acres of woodlot that can be harvested in a sustainable manner, so when I'm home, I use the wood stove.
* I don't use air conditioning during cooling season. Where I live, there are only 10 or 12 really bad days a year. I set up a bed in the basement on really hot nights, rather than put in an air conditioning system. People in really warm climates can save by setting their AC to 85 F, which is enough to take the edge off the heat and even more important, reduce the humidity.
* I don't buy things that I don't really need: Making a shopping list before going to the store really helps. I only buy things that are on the list. I don't go to the grocery store on an empty stomach, so that I'm not tempted to buy junk food. Instead of buying music CDs, which probably only have one good cut on them, I listen to music for free over broadcast radio. If it's a song that I really want my own copy of, I buy the single on the Internet for $1.00. Before buying anything, I ask myself, "Do I really need this? Is it of lasting value? If I won't use it that often, can I borrow it from someone or rent it instead of buying my own?"
* I repair things instead of buying a replacement: A good rule of thumb is repair it unless the repair is going to cost more than half of the replacement cost, or in the case of a car, more than half of it's market value. Learn to fix things yourself, which will reduce the repair cost. There are plenty of places on the web where you can learn how to do simple plumbing, car, and other house repairs. Even if a repair is beyond your skill or should not be attempted DYI because of safety reasons, you should at least learn the basic technology so that you won't get taken by a con artist.
* If I do need an item, I try to buy used: With the exception of some appliances like refrigerators, where it makes more sense to buy the newest most energy efficient model, I save money by buying used. I buy "last years" computers at close out sales, they are more than fast enough. When my truck is so old that it's rusted out or I can't get parts for it anymore, I replace it with a three or four year old model. Since depreciation is non linear, that is, the value goes down more quickly when it is brand new, you save a lot of money overall. Which is a good segue to the next item in this list.
* I never pay interest: If I can't afford to pay cash for an item, I either find a less expensive one, such as paying cash for a $9000 car instead of having to get a loan to buy a $12,000 car, or wait until I've saved enough to pay cash. I always pay off the full balance on my credit card every month. The only exception to this rule is if I can get a really good deal on the loan, meaning that I can take the cash and invest it in a municipal bond fund that is paying more interest than the loan interest.
* Hang out clothes to dry instead of using a clothes dryer. This can save up to $40 a month, depending on the size of your family and how often you do laundry. During the winter, I hang clothes inside, as this serves to add needed humidity to the air. During the summer, this means planning to do laundry on a sunny day.
* I don't smoke, never have, but if you do smoke quit! Not only is quitting good for your health, it's good for you finances! A smoker with a two pack a day habit is blowing $180 a month on tobacco!
* I rarely drink, I certainly don't buy alcoholic beverages, as there is a federal tax on them. Although studies have shown that moderate (one glass a day) consumption of red wine has health benefits, you can get much the same benefits by drinking grape juice for less money. If you really like your beer and wine, consider home brew. It's legal, as long as it's for personal consumption, and you won't be paying federal tax on it.

Answer 2

Don't figure that you'l make any decent money doing Internet surveys. Some will actually pay out small amounts, usually either in merchandise or gift cards, but you won't be able to make enough to get out of a financial bind.

Answer 3

sell a kidney