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20 Ways to Help You Out When You Desperately Need Money

20 Ways to Help You Out When You Desperately Need Money

We’ve all been there. You’re between pay checks, running low on cash and then disaster strikes and you need money–now. Or you get paid on Friday and find yourself broke on Monday. You have too much integrity or are too scared to rob a bank…but the thought has crossed your mind.

Don’t fret! I am here to help.

20 safe and legitimate ways to get money fast

Below is a list 20 perfectly legal and legitimate ways to get your hands on some cash in a pinch. Some of the ways are more suitable for some than others but the list will provide you with options and more importantly get you to generate your own creative ideas on how to increase your cash flow.

Keep in mind that these are short term solutions. The real solution to your money problems is proper money management and planning (a.k.a. budgeting). Learning to live below your means, delaying gratification, eliminating debt and reducing your dependency on credit are the keys to financial freedom.

If you need money today…

1. Pawn or sell something

If you’re REALLY in a pinch, you may need to pawn or sell that prized possession you’ve got stashed away. Your desperate situation may call for you to have to part with that old comic book collection, your grandmother’s antique pearls or china or that coin collection you’ve had since childhood. I do advise that you think long and hard before making this decision. Once it’s gone–it will be incredibly difficult to get it back and your desperation will ensure that you probably won’t get what the item is actually worth.

Another option is to dig through your closets, and basement for stuff that may still have some value such as an old DVD or video game collection, your 10-year-old’s baby clothes, a toddler bicycle, that espresso machine ( or juicer) that you only used once.

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There are tons of apps[1] that let you snap a picture of your stuff and post it online immediately.

2. Sell an old cell phone

Almost everyone has an old smartphone lying around that still works. You decided to upgrade from that perfectly functional phone because it was the chic thing to do. Now the old phone is just laying around collecting dust. Sell it! If you need money today check out the website ecoATM. This site allows you to safely sell and recycle your old phone. They also pay cash for old tablets, iPods and MP3 players.

3. Sell your clothes at a local consignment shop

If you have quality designer clothes or furniture you no longer want or need go ahead and sell it outright to a consignment or thrift shop. A lot of consignment shops will buy your items outright eliminating the consignment fee and the wait for your items to sell. You won’t get top dollar this way but you will walk away with some cash in hand.

4. Borrow from a friend or family member

This is the one method most of us want to avoid. However, you can receive the money the same day using apps such as PayPal. Keep in mind that borrowing from a loved one takes humility and sincerity. Do not, I repeat, DO NOT borrow from friends or family if you have no intentions of repaying the loan or if you know you cannot meet the terms of repayment[2]. This is the quickest way to ruin a relationship. Proceed with caution.

5. Sell your plasma

You can get paid for your plasma. Most donation centers will pay you anywhere from $25-$50 for it. The best part about selling plasma is that most places will allow you to sell it up two times per week.

**Quick note: There is a difference between selling your plasma and donating blood. You do not get paid for blood donations so make sure you distinguish between the two and are clear with your request.

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6. Get A Cash Advance

This is a bad idea! I do not recommend this unless there is a life and death situation and you have a plan for quick repayment. Some credit cards offer the opportunity to take out cash against your credit limit. Please understand that the terms of repayment are going to be MUCH different than the terms for regular credit card purchases. Between the fees for accessing the money and the jacked up interest rate, it is not unusual for you to end up spending $1,000 for an $800 cash advance. It’s simply not worth it.

If you need money in 7 to 10 days…

7. Sell your clothes online

Selling your clothes is one of the easiest and quickest ways to make money fast. The clothing resell industry has become very trendy and is reportedly a $16 billion dollar industry[3]. There are hundreds of online apps, websites and avenues to get your clothes sold. Some apps and websites even pay the shipping costs for you.

8. Sell your junk online

Websites such as Craig’s List, Amazon, Ebay, and the list goes on, are great and cheap ways for you to sell your junk. You can resell ANYTHING these days. If you bought it, chances are there is someone out there who will pay you for it. These sites take time as you have to ship items, items have to be verified and then you are paid. Payment on these websites usually take seven to ten business days.

9. Sell your unused gift cards

Sites such as Cardpool, Raise and Cardcash will al low you to resell your unused gift cards for slightly less than face value. You can get you money in as little as two days and even quicker for e gift cards. It’s a quick, easy and painless process.

10. Become an Uber/Lyft Driver

If you have some extra time on your hands–just a few hours a week would do it–and live in or near a populous area, driving for Uber/Lyft is a very lucrative way to make money fast. It is also a great long-term side hustle. Uber drivers can make as much as some full-time jobs if they work in the right area. You could earn $100 mark in as little as five hours per week.

11. Sell your sports/concert tickets

Got season tickets or concert tickets? Sell them. In some cases you may not get face value for the tickets but you can recoup a good portion of your money. For really popular events–such as play off games or marquee performances–you can make well above the ticket face value. If you’re that desperate for money, missing a concert or the big game isn’t that big a deal.

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12. Do odd jobs

Babysitting, pet sitting, house sitting, cutting grass, house cleaning, walking dogs and other odd jobs around the neighborhood are great ways to get some quick cash in your pocket.

13. Inbox Dollars and Swagbucks

Inbox Dollars and Swagbucks are websites that pays you cash (very small amounts of cash) to perform various tasks such as watching videos, commenting on ads, taking surveys, shopping and the list goes on and on. You will not get rich using these website, but you can earn a couple extra bucks by spending a few minutes (or hours) online. The websites requires you to bank $30 before you are paid.

If you need money in 30 days…

14. Negotiate with your creditors

If you need money to pay bills or debts, call your creditors and try to negotiate. Explain your situation and request an extension or make arrangements to pay a portion of what you owe. Most creditors will work with you. Their primary goal is to get their money. They are willing to wait a few days or take a portion of the payment in lieu of you not paying them at all.

15. Get a part time job

Look, I get it. You are already overworked, under paid and stretched thin as it is. But a part-time job isn’t forever. It’s only temporary. If you can work long enough to avert the crisis and then establish an emergency fund, you won’t find yourself in this predicament again. You may have to deliver pizzas in the evenings or work retail on weekends but anything worth having requires work. We live in the age of the side-hustle and in the era of multiple streams of income. This is one bandwagon worth joining. The more you do now, the less you have to do later.

16. Become a Secret Shopper

Secret shopping is the perfect side hustle for those who love to shop, stay-at-home moms and anyone who loves good customer service. Mystery or secret shoppers are independent contractors posing as “shoppers”. You are paid to visit your local stores and shops as a regular customer and report back on various aspects of your experience. A word of caution! This industry is full of scams. Be sure to check out the company reviews online or stick with companies that are tried and true[4].

17. Garage/Yard Sale

There is nothing like a good ‘ole fashion yard sale to generate additional pocket money. I’m talking about the kind where you search every nook and cranny of your house and completely de-clutter and purge all of the items that are not absolutely necessary for you to live.

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When planning the sale, make sure you advertise in your local area and also blast it on social media. A great thing about these sales is that anything that does not sell at the physical location of the event can be sold online. A great place to sell leftover items is on the Facebook Yard sale page.

18. Conventional Loan

This is an option–just not a good one. By taking out a loan, you are compounding your money problems in lieu of fixing them. However, if you feel you must take out a loan, experts suggest visiting your local credit union. Many local credit unions are getting into the short-term loan game and offer rates far superior to pay-day and other short-term loans. You do have to be a member of your credit union in good standing. Credit unions offering short-term loans work with those with poor credit and offer better rates, terms and conditions than other short-term lenders.

19. Become a Virtual Assistant or Bookkeeper

Virtual assistants provide a wide range of services to individuals, organizations or companies, but they do it virtually in lieu going into an office. It’s an excellent work from home opportunity and one of the most cost-effective ways of making money online. Rates for providing virtual services online could range from $10 an hour for simple data entry tasks to hundreds of dollars an hour if you have a highly specialized skill or expertise. You can work for a company online such as Upwork, Elance or Problogger or you can work as an independent contractor.

20. Rent out a room or become an Airbnb host

Got extra space? Rent it out. Getting a roommate is a great way to cut cost and save money fast. As with anything, make sure you do your research and due diligence when it comes choosing a roommate. If you live in or near a high tourist area, working with a service such as Airbnb is a great way to get a steady stream of qualified guests. They vet your potential guests for you and provide you with referrals.

Everyone needs some cash from time to time. The ways listed above are fairly quick and easily accessible ways to get a hold of some extra cash. The best way to avoid these money crisis is by living modestly and well below your means, saving for emergencies and following a budget.

Reference

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Denise Hill

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Last Updated on June 26, 2019

How to Create Your Road Map to Success (A Step-By-Step Guide)

How to Create Your Road Map to Success (A Step-By-Step Guide)

Everyone has their own definition of what success means to them. Well, at least we all should by the very fact that no two individuals are created 100% alike.

Our road map to success should be different to the person standing next to us. But we can get caught in the dangerous trap that someone else’s ideas of success should also be ours. Be careful.

Regardless of whether or not we’re talking about your working career, business or personal life, it is truly hard to resist the contagious excitement surrounding those fantastic dreams and goals you allow yourself to explore.

The ‘come-down’ after attending a euphoric state-inducing personal development seminar can often result in you feeling the slump of post-seminar blues. Worse still, your everyday circumstances don’t accommodate the changes you swore to make that weekend. Nothing changes.

Get ready to kiss goodbye the post-seminar blues and skip to each destination on your roadmap to your successes. By repeating over and over these simple steps, the quality of your life will improve.

You will want to use these steps as standard strategies to carry you toward further success in whatever shape or form you choose.

1. Define What Success Means to You

Is it just having enough money or more money than you might ever need that allows you to feel and judge yourself a success? Is it about having a beautiful house worth more than $2,000,000 on the upper east side of Manhattan?

Is it about having a loving partner who supports you in your endeavors? Do you equally support each other?

Is it through the tertiary education roadmap that you only feel valid you can make a meaningful and successful contribution to help the world economy turn? Is that your definition of success or is it someone else’s? Maybe your mom’s or your dad’s?

When her daughter Christina found her on the floor of her office, in a pool of blood having hit her head and breaking her cheekbone as she fell, CEO of Thrive Global and celebrated author of Thrive, Ariana Huffington had a wake-up call in more ways than one.[1]

The exhaustion and overwhelming stress which had led to her fainting drove Huffington to radically introduce new work ethics, values and rules at the editorial.

Ten years on from her accident, Huffington still leads the conversational charge amongst global leaders to change the badge of honor that successful people need to work 24/7, and give everything of themselves and more, even it means compromising their health.

As opposed to letting power and money be the two measurements of success, she explains wisdom, well-being, wonder and giving will give you greater success by nurturing your psychological well-being.

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We can’t argue with Huffington that without that, we are proverbially dead in the water.

Warren Buffet stated the way he defines success nowadays has nothing to do with money:

“I measure success by how many people love me”.

You can’t but fall in love with the wisdom and nobility these words seem to reflect, but keeping it as your only definition of success is probably dangerous. Lacking today’s wisdom at 20 years of age, would Buffet have had the same definition of success?

Think about where you are on your journey. You are likely to have different goals and different measures of success as you navigate your roadmap. Huffington and Buffet explain non-tangible ideas of success are crucial for our overall success.

Let’s also not forget though that through tenacity, persistence and many other success habits, these business leaders also rate extremely high on the power and money metrics. However, that’s not all there is to it.

If you are not sure how you would answer if someone asked you what your definition of success is, here are some clues to get you thinking and feeling.

As your head hits the pillow and before you close your eyes, what’s most important is that you can internalize that you have chosen your definition of success and you can full responsibility and accountability for deciding upon it.

2. Review Your Progress and Satisfaction in Life

Review the main areas of your life. Not just those where you feel you need to make changes. Review all of them:

  • Your career vocation or business life;
  • Your relationships – your intimate or life partner, family and friends;
  • Money health and financial management strategies;
  • Commitment to your faith or religion and spiritual personal development;
  • Your physical and mental health;

What leisure or recreational activities you pursue for fun to energize your spirit and enrich your soul.

Do you have ideas of what success looks like for you in each of these areas?

Neglecting to look at even one area is like trying to restore function to a beautifully crafted Swiss watch, whilst failing to attend to a rusty-looking cog in the tiny internal workings that needs attention. Turn one cog, the others all turn. Ignore a damaged one, the system malfunctions.

For each area, give yourself a rating out of ten – one signifies the least satisfaction and ten signifies the most – and ask yourself the following questions to help you start identifying what’s important to you:

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  • How satisfied or content with this area of my life am I presently?
  • Where would I like to live this current level of contentment to?
  • What would that new level of satisfaction look like, feel like?
  • How important is this area compared with the other areas of my life?

Regardless of what areas you recognize need to be your core focus, consider making personal development and improvements to your physical and mental health, and well-being a constant feature of your action plan.

You will need to continually recognize obstacles you’ll face from your outside world, as well as those internal psychological battles that will arise from within.

Without your mental and physical health intact, it’s unlikely the rest of the ‘cogs’ are going to turn properly.

3. Get to Know Your Values and Priorities

Don’t make the mistake of thinking goal setting can be done in one sitting. You want to make sure the pursuits you put down on paper aren’t fly-by-night moments of excitement that ebb and flow with the rise and fall of tidal trends.

Become better at identifying your priorities by exploring how you feel about each of your life areas. Think about the ratings of satisfaction you might have denoted for each. And now write down what you want to be, do and have.

Put aside your initial literary ramblings and revisit them in a couple of weeks or one month. Without looking at your initial thoughts, do the process again and see what consistencies show up. What keeps coming up as feeling important? Around what ideas is there the same yearning or emotional pull?

If you’re unsure about what you feel you wish to head towards, be in allowance of this. Don’t be jumping to quickly fill the void. The desperation is likely to have you catching the tail of the last exciting concept in fear of missing out, or trying to fill the void of excitement you yearn for.

Increase your practice of pausing and asking yourself:

Why does this resonate with me? Could this be a distraction which complicates the route I have mapped out? Am I becoming that person who proverbially chases two rabbits and catches none?

In his book The Heart of Love, Dr. John Demartini explains how becoming strongly aware of your values and priorities helps you understand why you are and where you are in your life at any given moment.

If you don’t know what you feel you stand for, look at where you direct your time, energy and attention. Look at your behavior and work backward.

You might think making money and creating financial wealth is high on your radar. However, if you spend more than you earn and allocate money to depreciating objects as opposed to appreciating assets, your behavior is inconsistent with those typical of someone who is financially astute.

Look back to your areas of life and ask yourself if the goals you have set are in alignment with your values. Look at your daily behaviors and ask yourself if the way you operate satisfies steps which take you further toward those goals.

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If not, all is not lost. You’ve simply got some harsh truths and reality checks to face before you can go any further on your roadmap to success.

4. Make Room Deliberately to Work with a Coach

You have to come to terms with the fact that you’re likely to be swimming against the tide.

Once you make clear unwavering decisions about what goals you’re aiming for, prepare to be un-liked, unpopular, criticized and potentially ostracized. There’s a high possibility you’ll lose the friendship and support of some however you will gain new friends and the support of others.

Regardless of what area/s of life your goals pertain to, make room to work with a coach. Choose wisely who that person will be to encourage and walk beside you.

Whether it be a certified coach, a family friend/mentor or qualified therapist, find someone who knows how to work with the specific issues and challenges that lay ahead without any agenda other than your success.

Having that impartial guide can be an invaluable constant. This helps keeps you on the straight and narrow even if other areas of your life aren’t going swimmingly.

5. Get Highly Familiar with Your Habits and Behaviors

Despite the scientific evidence in support of it, we’re not recommending you need to start getting up at 5:00 am and exercising for an hour before you even think about starting your day.

You should start asking yourself these questions far more frequently:

  • How well do you know your habits and routine ways of operating?
  • Do you know what choices and patterned behaviors help or hinder you?

You know what you want to work on. Greater clarity on your values has enabled you to discern which priorities are high on your list and which ones are low. It’s now time to reinforce and reward the habits that carry you forward on your roadmap to success, and adjust those habits which delay or divert you staying on course.

Remember though that part of the joy of the human experience is to be fallible, so don’t suddenly shelve all those character-building ‘vices’. Your flaws are a necessary part of your unique success jigsaw puzzle; they are the inspiring reasons you’re going on this journey in the first place.

Demartini and New York Times journalist and author Charles Duhigg both explain in their books how recognizing your unhelpful behavioral patterns needs to take place first. You identify the emotional and psychological rewards which rule over whether you sustain, break or make a habit.

When you know the rewards that light you up like a Christmas tree, you link them to new or modified habits that support values you want to make a higher priority.

Say you love eating out. You love artisan cuisine and get giddy at watching the episode of Heston Blumenthal create chocolate water in his food chemistry laboratory. As much as you say you want to increase your investment in appreciating assets, your spending habits speak otherwise.

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So, you might start looking for discount opportunities on your higher-end dining. The dishes may not rival Heston’s masterpieces, but your taste buds still enjoy a culinary roller coaster AND you also now to get feel-good allocating the discounted amount to a saving’s program.

Your tummy is singing as is your bank account. The whole experience goes well beyond short-term gratification and satisfies several values and goals.

Tweaking habits and forming new ones isn’t hard; it’s just a matter of finding a happy marriage. Take time to find it. There will always be ways.

6. Celebrate the Wins and Monitor Your Progress Along the Way

You must become good at deliberately rewarding yourself when you make changes that take you further along your roadmap to success.

Professor of cognitive neuroscience Dr. Tali Sharot explains how the brain responds and adapts far better to rewards than punishment when it comes to learning behavior and creating new habits.[2]

When we apply punishment, we reinforce the traumatic memory as being more important than the actual lesson we might have been meant to learn in the first place.

When we gamify rewards on our success journey, we inject fun and humor. We also reduce the stress that often comes with learning new things, habits and adjusting to new ways of being, doing and having.

Final Thoughts

If you hit a progress plateau at any point, you might need to allow yourself to plateau and switch your attention to another priority.

The switch may allow you to think more freely and clearly about how to move past your roadblock. Or it might simply be a good time to stop and smell the roses.

Your muscles grow stronger in their resting phase after a workout. Animals hunt profusely to build up their energy stores before going into hibernation.

Remember that continually forging ahead is not a natural rhythm. Repeat the cycle of rest, recovery and rallying forward then…start again.

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Featured photo credit: Tabea Damm via unsplash.com

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