Timothy E. Lockhart - YOU HAVE OPTIONS: YOUR GUIDE TO AVOIDING FORECLOSURE

Check out Ramsey’s blogs and website at thepracticalsaver.com. It’s one of the best online resources for addressing your money needs; however, keep in mind that there are hundreds of other good ones out there. Ramsey recommends a budget-cutting site called Trim, at asktrim.com. Maybe you can do freelance work on weekends, babysit, or walk your neighbors’ dogs. Everyone in your household needs to be part of the financial solutions team. If you have children, they might appreciate helping out the family more than you think — generally, everyone feels better being part of a solution. Take time to appreciate and recognize everyone’s efforts. If you can wait longer for a side hustle to bring in money, consider blogging. There are resources online to explain the opportunities. Could you use an extra few dollars — or even a few thousand dollars — every month by posting stories and information in your area of expertise or interest? There are people doing it, and successfully!

Other great apps and sites include:

• Nextdoor (Nextdoor.com) is a free app that lets you network with local neighbors, many of whom post notices when they need temporary help such as pulling weeds, remodeling their basement, altering a prom dress, or learning to play piano. • Charlie (hicharlie.com) is a free app that doesn’t need to be downloaded. It will help you cut your budget and credit card debt. • Cushion (cushion.ai) is aimed at getting your bank fee refunds and helping you negotiate with banks. • Upstart (upstart.com) provides a connection to low- interest personal loans to consolidate your consumer

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