When One Emergency Can Break the Bank – and How Neighbors Can Change That

By James Abril

One flat tire. One broken fridge. One emergency… and the budget is gone. For 63% of Americans living paycheck to paycheck, that’s reality. But what if your safety net wasn’t a credit card—what if it was your neighbors? On Skillisto, every hour you help someone earns you an hour of help in return. No cash, no debt, just community. When money runs out, time and kindness can keep us going.