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§7 · 4 tips

How to get by when you have no money

If you lose your job, aren't paid your wages, or run out of money, what can you claim and where can you get help?

Tips from this section that apply in the United States.

How to get by when you have no money

Don't pay a deposit, don't hand over your ID, don't sign a “training loan” (培训贷), don't join a pyramid scheme (传销), don't borrow at loan-shark rates

An employer cannot hold your ID card, collect a deposit, or collect money under any other name. If an agency did not get you a job, it must refund its fee. Training loans (培训贷), where you pay for training before you can start work, and pyramid schemes (传销), where payment depends on recruiting people, are both scams the authorities have named. For interest above 4 times the one-year LPR (loan prime rate), a court will not support the part above that, but you still repay the principal.

  • High value
  • Evidence A
  • Saves money
How to get by when you have no money

Cut housing and food to the minimum: rent a shared room by the month instead of by the day, and cook for yourself or use a subsidized meal canteen instead of delivery

In 2025, food made up 29.3% of average per-person spending nationwide and housing 21.7%. Together they are over half, so cutting these two is the most effective. In the author's experience, a daily-rate room or hourly room, converted to a month, costs more than a shared room, and cooking yourself is cheaper than ordering delivery. When you look for work, ask whether food and housing are provided; a job that provides them wipes out these two big items.

  • High value
  • Evidence B
  • Saves money
How to get by when you have no money

If you truly have nowhere to sleep, a 24-hour place is only an emergency fix for one night; go to a rescue station first

The waiting area of an airport or train station can get you through a night, with toilets and power outlets, but there are no official data saying it is safe. A rescue station (救助站) has staff on duty 24 hours a day and will help you first even if you come at night. In winter some places also open temporary cold shelters. For people who don't want to enter a station, patrol staff will also give out food and cold-weather clothing.

  • Moderate value
  • Evidence B
  • Saves money