Hi! I’m Kate, the face behind KateFi.com—a blog all about making life easier and more affordable.

Affiliate Disclaimer: Some links on this site are affiliate links. If you make a purchase through them, we may earn a small commission (at no additional cost to you). See our official affiliate disclosure for more details.

I Was Broke and Drowning in Debt — These 5 Free Sites Helped Me Breathe

When you’re behind on bills, swiping credit cards to buy groceries, and checking your account 3x a day hoping it magically goes up… it’s more than stressful. It’s suffocating.

That’s exactly where I was. I needed *real help* — not another guru course or “side hustle” that cost money to start.

So I got scrappy. I tested every free app and money site I could find — and surprisingly, 5 of them actually helped me breathe again.

1. 💬 SocialPaid – Paid Chat Jobs

This was my turning point. SocialPaid gives you access to companies hiring remote chat agents — no experience needed, just a phone or laptop and internet.

• Work-from-home chatting gigs
• Training included
• Flexible hours — I did it at night after my kid went to bed

See the Paid Chat Job Listings

2. 🎮 Freecash – Get Paid to Play & Try Apps

This site literally paid me for downloading games, testing apps, and answering surveys. I made $37 the first week doing stuff I’d normally waste time on anyway.

Sign up and grab your free $5 bonus →

3. 🧾 CuraDebt – Ask This Company to Pay Off Your Credit Card Debt

Credit card debt was killing me. Interest piled on, and I never felt like I was making progress — just paying to stay stuck. CuraDebt offered a free debt consultation and helped me combine everything into one lower monthly payment.

Start your free debt assessment now →

4. 📈 Acorns – I Got Free Tesla Stock for Starting With $5

Acorns was my first real step into investing. It rounded up my spare change and invested it automatically — plus, they gave me $5 in free Tesla stock just for joining.

Get your $5 Tesla stock bonus here →

5. 🎁 YouSweeps – I Entered to Win a $1000 Prepaid Chase Card

Listen, I didn’t expect to win — but it was 100% free to enter and took 10 seconds. If you’re desperate for relief, this might be your lucky break.

Enter to win the $1000 prepaid card now →

No Budget? No Problem.

I didn’t have savings, credit, or even gas money when I started. These sites were free, fast, and didn’t require me to be tech-savvy or business-minded. If you’re struggling, this might be your lifeline too.

Some of the links in this post are affiliate links, which means I may earn a small commission if you sign up through them. Thank you for supporting my work 💖