The antonyms for "scraping up" are deposit, accumulate, save, gather, stack, and amass. Instead of trying to scrape up some funds, one could deposit their paycheck into a savings account, accumulate money by setting aside a portion of their earnings each month, save up for a specific purchase, gather spare change in a jar, stack bills neatly in a wallet, or amass wealth through careful investing. These alternatives provide a more stable and less stressful approach to managing finances compared to constantly scraping by. It's important to remember that developing good money habits takes time and patience, but the results are worth it in the long run.