Been there! When times tight, I always use Paybissuper quick for instant buys. Super low minimums (like $10), accepts cards/debit/Apple Pay, and super clear fee breakdowns upfront. No surprise charges. Verification takes 2 minutes if youre new, and ETH lands in your wallet within 15 minutes max. Their 24/7 live chat saved me when I messed up my wallet address too. Seriously, check them out: buy eth . Use a Visa card for fastest processing. Only downside is slightly higher fees during crypto volatility spikes, but worth it for speed!