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REAL, NO BS FINANCIAL ADVICE FOR PEOPLE WHO ACTUALLY NEED IT

Flat Broke Finance was created to provide tools, tricks, tips, and resources that actually work for people who are struggling financially or living paycheck to paycheck. We’ve been there, and we know exactly what it takes to go from barely surviving to thriving. What you’ll find here is something much bigger than doing surveys as a side hustle. This is the information you need to start building a positive relationship with money and creating a stable financial future.

START HERE
AI TOOLS

THE REALITY

Most financial advice is written by people who’ve never had to choose between groceries and a light bill. THEY TELL YOU TO “BORROW FROM A FRIEND” AND CALL INBOX DOLLARS A SIDE HUSTLE. HERE WE FOCUS ON ACTUALLY BUILDING WEALTH, NOT JUST HOARDING PENNIES.

37%

of Americans can’t cover a $400 emergency expense

55%

OF AMERICANS REPORT MODERATE TO SEVERE FINANCIAL HARDSHIP 

80%

OF AMERICANS STRUGGLE WITH AT LEAST 1 BASIC EXPENSE

OUR 5 CORE TOPICS

 

MAKE MONEY

increase your income at your current job, start a side hustle, learn how to sell your belongings or a product you’ve created, explore the gig economy, and a variety of creative, out of the box ideas to put more money into your pocket.

SAVE MONEY

Here we try to keep more of the money you earn in your pocket! We’ve got tips and tools to save on everything from groceries to gas, insurance, utilities, entertainment, travel, housing, and childcare. We dive deep to find hidden savings you won’t find anywhere else!

BUILD CREDIT

Whether you’re just building your credit for the first time, rebuilding after a financial crisis, looking to continue to increase your score, or want to maintain the excellent credit you already have, we are here to help!

GOVERNMENT ASSISTANCE

Discover programs you qualify for, learn how to apply, find out about how hidden benefits you might not be aware of and discover how to maximize the benefits you receive. We’re here to help you get the assistance you’re entitlted to.

MONEY MINDSET & MANIFESTING

Overcome your money blocks, shift to an abundant mindset, and discover tools and resources to help you manifest the life you’ve always dreamed of. True personal finance growth begins with your money mindset. If you’re looking for serious change, start here!

PERSONAL FINANCE TOOLS

PATHWAY TO PROSPERITY

This tool guides you through a series of questions and pulls together every section of our website to provide you with a personalized dashboard with a progress tracker. Once you complete the survey you’re presented wtih ideas for 3-5 side hustles with earning estimates, micro saving habits, bill negotiation scripts, budgeting tips, government assistance programs you qualify for, ideas to build or grow your credit, affirmations and rituals to improve your money mindset, daily and weekly prompts and actionable tips – all customized to your personal financial situation.

COMING SOON!

HIDDEN $ FINDER

Use AI to discover discounts, rebates, savings, bonuses, grants, unclaimed funds, and so much more. Our AI tool asks you a few quic questions and gets to work researching our massive database of hidden money and savings tools to find hidden money you may not be aware of and guide you through the process to claim and access your funds.

FINANCIAL GUIDES

Navigating a stressful financial situation? We can help! Currently we offer an Emergency Eviction guide, a Denied Dispute guide, and a guide that teaches you how to cash in on annoying telemarketing calls! We have several new guides coming soon so check back often!

EMERGENCY EVICTION GUIDE

ONLY $10

Behind on rent or facing eviction? Learn about your options, the laws in your state, potential loopholes, scripts for talking to your landlord, how to quickly generate extra money, rental assistance resources, free legal help, what to say in court, eviction timelines and procedures by state, and what to do if you have an eviction judgment filed against you. This guide covers everything you need to know to survive an eviction.

DENIED DISPUTE GUIDE

ONLY $10

Did you dispute unauthorized charges with your bank only to have them deny your dispute claim and refuse to refund any of your money? If so, you’ll want to get your hands on our Denied Dispute guide. Learn how and why banks deny valid dispute claims, what you can do to fight back, other laws your bank may have violated in the process, form letters you can use to contact your bank, a breakdown of the proper time lines your bank must follow and notices they must provide, how to successfully appeal a wrongful denial, and next steps to take if your bank has violated federal law.

TURN TELEMARKETING CALLS INTO CASH

ONLY $10

Did you know there are federal laws that protect you from unsolicited marketing calls? If your number is on the federal Do Not Call List, most companies are prohibited from contacting you without express written consent. If a company calls or texts you after you’ve asked them to stop, has contacted you without your permission, or uses a robodialer to contact you, you may be entitled to compensation of $500 to $1,500 per call or text. This guide will teach you how to handle the entire process on your own – no attorney needed!