(Last Updated On: December 19, 2022)

New ScamScam A Scam is a confidence trick - a crime -  is an attempt to defraud a person or group after first gaining their trust through deception. Scams or confidence tricks exploit victims using their credulity, naïveté, compassion, vanity, irresponsibility, or greed and exploiting that. Researchers have defined confidence tricks as "a distinctive species of fraudulent conduct ... intending to further voluntary exchanges that are not mutually beneficial", as they "benefit con operators ('con men' - criminals) at the expense of their victims (the 'marks')". A scam is a crime even if no money was lost. Victim’s Financial Survival

A Guide for recent Scam Victims on managing their finances after a scam

This is not intended to replace professional financial advice. Please see a licensed financial professional before acting on any financial decisions.

A SCARSSCARS SCARS - Society of Citizens Against Relationship Scams Inc. A government registered crime victims' assistance & crime prevention nonprofit organization based in Miami, Florida, U.S.A. SCARS supports the victims of scams worldwide and through its partners in more than 60 countries around the world. Incorporated in 2015, its team has 30 years of continuous experience educating and supporting scam victims. Visit www.AgainstScams.org to learn more about SCARS. Guide

After Your Scam, You Have So Much To Worry About, But Don’t Ignore Your Finances!

More Than Anything You Need To Survive This!

This is Financial Survival!

Tips for Scam Victims to Help Build an Emergency Budget – And Climb Out of Your Hole!

After the scam, money is one of your most critical resources. If you sent all or most of your life savings to a scammerScammer A Scammer or Fraudster is someone that engages in deception to obtain money or achieve another objective. They are criminals that attempt to deceive a victim into sending more or performing some other activity that benefits the scammer., then this is a real disaster.

To begin climbing back up into the daylight, and creating an emergency fund, we offer these tips, even on a tight budget it is important!

Later on, you can begin to look at your finances in a more normal way, but for now, financial survival is on the line.

There Are Two Areas To Focus On Right Now

  1. Survival Budgeting/Financial Survival – get your money under extreme control now!
  2. Surviving the Unexpected – plan to have emergencies while your finances are in bad shape – stuff happens!


You have to learn where every penny is going, what you spend, on what, and why. You have to look at every possible way to take control – where to stop spending, where to spend less, and how to save something for the inevitable unexpected expenses that are sure to come up.

When (not if) something unexpected happens, can you foot the bill in your present situation?

In 2016, the United State Federal Reserve Board asked survey respondents how they would pay for a $400 emergency. The most shocking answer? A whopping 44 percent of respondents said they would have to borrow the money, sell something to cover the cost, or — here’s the kicker — they wouldn’t be able to come up with the $400. Four hundred dollars! Are you in the same boat? No matter how tight your budget is, it is possible to set some money aside.

Remember one thing – this is not about you begging or accepting charity – dial down your pride and shameShame Shame is an unpleasant self-conscious emotion typically associated with a negative evaluation of the self; withdrawal motivations; and feelings of distress, exposure, mistrust, powerlessness, and worthlessness. – this is about you accepting the consequences for what happened and stepping up to take control back in your life!

Your Financial Survival

Learn how to budget and build an emergency fund by following these money-saving strategies:


When it comes to learning how to save money on a tight budget, you must start by assessing what you already have, and — in particular — what you don’t need.

Catalog your things – property – on paper and assign a value to each one. Identify what you consider critical to living and what you no longer really care about.

This includes physical items like appliances, any artwork or luxury items, furniture, clothing, etc.

It is often surprising how much stuff we have, and how much we have kept out of pure inertia. Everyone has something they no longer need or care about – these can be sold. It may feel shameful to consider selling your things, but if you really don’t need them, consider them as money you saved in that form for a rainy day.

Consider selling those unnecessary/unused/uncared for items in a yard sale or on an internet “marketplace,” such as eBay, Craigslist, or Facebook, for some quick cash that you can put aside or make use of. You may be very surprised how much you can actually raise in this way. But do not mourn their loss, you bought them and they served their purpose and now can serve a new purpose.


Next, take a long, hard look at where your money actually goes each month.

The most important thing I to know what you spend now and what you need. You may not really even know. Knowing this gives you options to control it.

For monthly bills, try saving on your basics:

  • electricity & gas
  • your cell phone
  • cable and internet service
  • water
  • insurance
  • vehicle use

Try calling the utility & service companies to see if there are more economical options or plans available that you can switch to.

  • For credit cards with revolving balances, ask the credit card companies if you qualify for lower interest rates.
  • If a large chunk of your money goes toward eating out consider challenging yourself to eat more (all) meals at home.
  • You’ll be surprised at how quickly those savings will add up.
  • The same for what you buy at the market, focus on sales, BOGOs (buy one get one), and alternate brands.


After you’ve sold your unwanted items and reduced your recurring expenses, it’s time to set a savings goal.

Experts recommend having between three and nine months’ worth of expenses set aside in an emergency fund, but don’t let the thought overwhelm you.
Instead, think about setting a S.M.A.R.T. goal: one that is Specific, Measurable, Achievable, Results-focused, and Time-bound.

For example, if you want to start with that theoretical $400 emergency fund, you can make your goal to set aside $35 a week over the next 12 weeks. If you stick to your plan, you’ll actually end up ahead of the curve with $420! If that goal is too tough to achieve, consider spreading out the timeline. For instance, if you only save $10 per week for a year, you’ll end up with over $500 in your savings at year’s end!

However, there may be looming expenses on the horizon, such as taxes that seem impossible. Focus now on the possible, and we will suggest solutions to those others later in future articles.


The money that you’re saving up won’t be very useful in an emergency down the road if you spend it as soon as you get it, so consider treating your emergency fund differently.

Rather than having cash in a drawer in your bedroom or your extra money deposited into your regular checking account that you use on a daily basis and too easy to access, put it in its own separate savings account – make it separate and a little more difficult to access. That way, it will be out of sight, but you’ll have access to it when you truly need it.

If you also think of your emergency fund as a bill that you have to pay each month, you’ll see the amount grow in no time. The best part? If it’s in a savings account, it will accrue some interest while it sits — making even more emergency fund money that you didn’t have to work for!

Do not try to invest any money you are accumulating for your emergency. Do not put it at risk. Right now you need a cash reserve, investments can come much later.


This step will require a bit of self-discipline, planning, and pacing.

Many people make the mistake of keeping track of the income and expenses in their heads or on random sheets of paper, but the best way to stick to a budget is to have it documented where it can be consistently referenced – like a spreadsheet on your computer or in a dedicated notebook for your financial planning.

Your bank may have a phone app to access your account, but your bank statement is not for managing your money. There are some good phone appsApps Applications or Apps An application (software), commonly referred to as an ‘app’ is a program on a computer, tablet, mobile phone or device. Apps are designed for specific tasks, including checking the weather, accessing the internet, looking at photos, playing media, mobile banking, etc. Many apps can access the internet if needed and can be downloaded (used) either for a price or for free. Apps are a major point of vulnerability on all devices. Some are designed to be malicious, such as logging keystrokes or activity, and others can even transport malware. Always be careful about any app you are thinking about installing. that can help you with this, such as MINT from Intuit (a very reliable company and FREE) https://mint.intuit.com

TIP: Another easy way to help maintain and stick with your budget is through couponing and bargain shopping.

TIP: Penalize yourself if you do not save. If you do not save what you plan or do not meet your budget, charge yourself a penalty. Decide upfront what that penalty will be and what it will apply to. This will help you stay on track, and also record when you go over the line so you can look back at how many times your budget was not enough, so you can adapt.

Bonus Tip: Pay to Save – If you are a homeowner.

What’s one of the biggest blows to a homeowner’s finances? A large appliance breakdown. And what’s almost inevitably going to happen in a home at some point? A large appliance breakdown!

Although it may seem counterintuitive at first, since you’ll be paying a monthly or yearly amount for the coverage, a home warranty can truly protect your budget when it comes to those breakdowns. Consider paying a little now to save big in the future when those breakdowns happen. The same applies to car owners with extended warranties – but be careful since there are so many scamsScams A Scam is a confidence trick - a crime -  is an attempt to defraud a person or group after first gaining their trust through deception. Scams or confidence tricks exploit victims using their credulity, naïveté, compassion, vanity, irresponsibility, or greed and exploiting that. Researchers have defined confidence tricks as "a distinctive species of fraudulent conduct ... intending to further voluntary exchanges that are not mutually beneficial", as they "benefit con operators ('con men' - criminals) at the expense of their victims (the 'marks')". A scam is a crime even if no money was lost. on this.


After the scam, your financial life may be in total chaos, however, it is important to identify your available resources.

These might include:

  • bank accounts
  • savings
  • loan & borrowing options (just in case)
  • credit cards – transferring balances or still available credit
  • fungible assets, such as stocks and bonds, property
  • your home – such as refinancing
  • family and friends that can loan you money

We do not recommend that you go into debt any deeper but identifying resources that you can turn to can both make you feel better and better plan for any eventualities.


You may need to take on extra employment or gigs to weave your way through your problems. Fortunately, there are a massive number of choices, but be careful since this is an area full of scams too.

Options to consider:

  • Gig work – look into FIVERR as a source for task or project-based work. It is a real site and moderately safe. https://www.fiverr.com/
  • UpShift gig workhttps://www.upshift.work/
  • Make things – ETSY.com is a great place to sell this you know how to make. https://www.etsy.com/
  • UBER & LYFT – become an Uber driver – your hours & schedule. You can do it when you have time, and you can make real money!
  • Doordash – food delivery services are also great. You can pick up and deliver from restaurants, or act as a grocery buyer – most modern supermarkets have delivery services and in many countries, you can do that – do the shopping and then deliver.
    • Doordash & UberEats are food delivery services. https://www.doordash.com/dasher/signup/ and https://www.uber.com/us/en/s/c/deliver-kochab/
    • Instacart is a shopping and delivery service for local supermarkets. https://shoppers.instacart.com/

While most of these are for the U.S. there are similar services throughout Europe, Latin America, and Asia. Check with your local restaurants and markets to see what delivery services they use.


There are many job websites that will help you get yourself organized and help you find a job regardless of your age.

Here are a few:

Here are useful guides for those that need to work after retirement:

Also, many of your past employers may actually want you to come back! Seniors are more reliable, more ethical, and come with previous training – a significant advantage over younger career-hopping employees – and often these can provide benefits – read more here: https://www.benefitnews.com/news/retirees-are-returning-to-work-post-pandemic

How to Get Your Finances in Order

Follow these tips to help you stick to a budget, find energy savings at home, and lower your bills.

Sticking to a budget can be challenging for a lot of victims, they are dealing with the emotional catastrophe of the scam and now must find the energy to handle their finances. Unfortunately, it just must be done if you are going to survive financially.

Here are some easy tips to help you save money throughout your recovery and beyond:

  1. The early bird catches the savings. Start each day by doing something that could lead to big savings over time. Say no to spending $4 or more a day at the coffee shop and brew your own cup at home. (This could potentially save you $20 a week, which translates to almost $1,000 a year.) Or, instead of grabbing a fast-food breakfast every morning, eat before you leave the house and you’ll likely save even more and be healthier, too.
  2. Perform an energy assessment or energy audit on your home. Seal air leaks around doors and windows to save on heating and air conditioning costs, and check your attic insulation to see if it needs to be beefed up. Perform annual maintenance on your HVAC systems to ensure that they are running at peak efficiency and be sure to change the filters regularly. Plus doing small tasks in your home can be therapeutic for you. By the way, many times your utility company will do the assessment for you for free – ask them.
  3. Turn down your water heater temperature to 120 degrees Fahrenheit. According to www.Energystar.gov, heating water is the second-largest energy user in your home. Adjusting the temperature can help you save money on water bills and help prevent scalding accidents.
  4. Reduce your water bill. Fix leaks promptly, install water-efficient showerheads and high-efficiency toilets, and run dishwashers and clothes washers only when they have full loads. You can also take steps to conserve water outdoors on lawns and gardens by watering only when needed and using soaker hoses. Of course, some of these things cost money, but many are not very much – an improved showerhead that can save 50% on water can cost as little as $10.00
  5. Organize your pantry. That’s right; orderly food storage can help you save money. When you can easily see what you have on hand, you’ll be less likely to buy unneeded or duplicate items at the grocery store. And, by placing older items in the front of shelves, you’ll be less likely to waste expired foods. If you have inexpensive staples on hand and in plain sight, such as rice, beans, pasta, and grains, you’ll be more likely to plan menus around them. Against, seeing your supplies can be anxiety-reducing and the sense of accomplishment that comes with small tasks is very satisfying
  6. Recycle and reuse. In addition to being good for the environment, recycling can also be good for your wallet. Use a lunch box or insulated bag instead of paper sacks, rinse out and reuse plastic containers and jars for food storage, use cloth towels instead of paper towels for clean up, and use refillable water bottles instead of disposable plastic ones. You can also save money by using cloth napkins instead of paper ones.
  7. Reduce the number of cleaning products that you purchase. Instead of having special cleaners for every area of your home, try buying more generalized products you can use everywhere or some thrifty homemade cleaning solutions. Many DIY cleaning recipes have the added bonus of using natural ingredients. Be careful mixing any ingredients. Try instead:
    • Boiling water & steam is a great cleaner – have a teapot? Then you can produce scalding water!
    • Vinegar works on windows and countertops!
    • Mineral Spirits (White Spirits) is also a great all purpose degreaser cleaner
    • Plain old water and light detergent works amazingly
    • Chlorine can help in any place you need to disinfect and sanitize

These alone can save $100 over branded cleaners with each purchase!

Ask for lower bills. Contact your cable television, internet, and telephone service providers and find out if you are getting the best available rates. Especially if you’ve been a long-time customer, you may be eligible for special promotions, loyalty programs, or newly structured rate deals. Another trick is to suggest that you are going to cancel your service – they have customer retention programs that can give you credits and reduced pricing.

Make saving money a family affair. Call a family meeting and ask for savings suggestions from each member of your household. Start an entertainment or vacation fund with the savings to encourage everyone to participate throughout the year. This will also help you re-establish trust after a scam.

Obviously, these are generalized suggestions and we do not know your specific situation. You might be advised to contact a licensed financial professional to discuss your situation too. Always research every option before implementing any strategy.

Please give us your feedback, and suggest other ideas too!

What is or has worked for you? We would love to know!

More Resources

Managing Scam Debt:

Financial Assistance:

All Articles

Essential Tools For Every Scam SurvivorSurvivor A Scam Survivor is a victim who has been able to fully accept the reality of their situation. That they were the victim of a crime and are not to blame. They are working on their emotional recovery and reduction of any trauma either on their own, through a qualified support organization, or through counseling or therapy. And has done their duty and reported the crime to their local police, national police, and on Anyscam.com From SCARS Publishing

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SCARS GREN BOOK - The SCARS STEPS Guide to Scam Victim Recovery

Self-Help Self-Paced Recovery Program Guide


This program is designed to help scam victims struggling to recover on their own and for those who want to understand the overall process. You can be using other resources, such as traumaTrauma Emotional and psychological trauma is the result of extraordinarily stressful events that shatter your sense of security, making you feel helpless in a dangerous world. Psychological trauma can leave you struggling with upsetting emotions, memories, and anxiety that won’t go away. It can also leave you feeling numb, disconnected, and unable to trust other people. Traumatic experiences often involve a threat to life or safety or other emotional shocks, but any situation that leaves you feeling overwhelmed and isolated can result in trauma, even if it doesn’t involve physical harm. It’s not the objective circumstances that determine whether an event is traumatic, but your subjective emotional experience of the event. The more frightened and helpless you feel, the more likely you are to be traumatized. Trauma requires treatment, either through counseling or therapy or through trauma-oriented support programs, such as those offered by SCARS. counselingCounseling Counseling is the professional guidance of the individual by utilizing psychological methods especially in collecting case history data, using various techniques of the personal interview, and testing interests and aptitudes. A mental health counselor (MHC), or counselor, is a person who works with individuals and groups to promote optimum mental and emotional health. Such persons may help individuals deal with issues associated with addiction and substance abuse; family, parenting, and marital problems; stress management; self-esteem; and aging. They may also work with "Social Workers", "Psychiatrists", and "Psychologists". SCARS does not provide mental health counseling. or therapy, qualified support groupsSupport Groups In a support group, members provide each other with various types of help, usually nonprofessional and nonmaterial, for a particular shared, usually burdensome, characteristic, such as romance scams. Members with the same issues can come together for sharing coping strategies, to feel more empowered and for a sense of community. The help may take the form of providing and evaluating relevant information, relating personal experiences, listening to and accepting others' experiences, providing sympathetic understanding and establishing social networks. A support group may also work to inform the public or engage in advocacy. They can be supervised or not. SCARS support groups are moderated by the SCARS Team and or volunteers., or completely independent – on your own!

The SCARS Steps program is a complete program and is provided for the purpose of helping scam victims to overcome this experience. Throughout this SCARS Steps Program, we speak about issues and challenges that a victim may have and help guide them through their recovery. But each person is different and it is important to understand your own reasons for being vulnerable to being scammed.

After the trauma of being scammed, you need to take steps to recover and move on. This may be an alternative to counseling in the short term, but we still encourage you to seek out professional help & support. Throughout this SCARS Steps Program, we speak about issues, challenges, defects, or problems that a victim may have in a generalized way.

The SCARS GREEN BOOK will help you recover from your scam offline and it will always be there when you need it!

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SCARS SLATE BOOK - A Guide For Families & Friends Of Scam Victims

SCARS SLATE BOOK – Let Us Explain What Happened!

A Guide For Families & Friends Of Scam Victims


This SCARS Publishing book represents a complete guide to help the families and friends understand how these scams work and how to help the victim.

The SCARS Slate Book should be purchased by family and friends to better understand what happened to the victim and the traumatic impact on them. But it can also be shared by the victim so that they do not have to explain to family and friends about the scam. This publication is to help others to help Scam Victims to make it through this traumatic experience and recover.

Each person is different and it is important to understand how relationship scamsRelationship Scam A Relationship Scam is a one-to-one criminal act that involves a trust relationship and uses deception & manipulation to get a victim to give to the criminal something of value, such as money! Click here to learn more: What Is A Relationship Scam? work and why people are vulnerable; to being scammed, how they were lured in, then groomed and manipulated. This understanding is essential in helping them through the process of ending the scam and then on to recovery. The SCARS Slate Book will provide the information necessary to help support a victim through this process.

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SCARS RED BOOK - Your Personal Scam Evidence & Crime Record Organizer

Your Personal Scam Evidence & Crime Record Organizer


Helps you get and stay organized. This publication is to help Scam Victims organize their crime information. Complete this information before reporting to the police then bring this book with you

Before or after reporting to the police the RED BOOK gives you a dedicated tool to record all the essential facts of this crime. The Victim, the Scammers, the Money, and your Police interactions. Everything that really matters can be easily recorded for your immediate use and for the future!

As we have seen, money recovery/repayment programs can become available years after the scam ends and you need to keep all the details of this crime in case it is needed. We have also seen scammers being extradited to the U.S. and other countries, this will help in the event you testify or give statements, Additionally, this helps you have your information ready to qualify for victims’ benefits, compensation, or aid.

The Official SCARS RED BOOK is your way of recording all the important facts of this crime so that you do not lose essential information, Complete the RED BOOK then put it away with the confidence that you will have it if or when it is needed.

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SCARS BLUE BOOK - Survivor's Recovery Journal
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U.S. FTCFTC The Federal Trade Commission (FTC) is an independent agency of the United States government whose principal mission is the enforcement of civil (non-criminal) U.S. antitrust law and the promotion of consumer protection. The FTC can also act as a clearinghouse for criminal reports sent to other agencies for investigation and prosecution. To learn more visit www.FTC.gov or to report fraud visit ReportFraud.FTC.gov at https://reportfraud.ftc.gov/#/?orgcode=SCARS and SCARS at www.Anyscams.com