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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

More by this author

Denise Hill

Denise shares about psychology and communication tips on Lifehack.

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Last Updated on October 22, 2020

2 Transformational Ways to Spark Your Creative Energy

2 Transformational Ways to Spark Your Creative Energy

Good things come in twos: Peanut butter and jelly, Day and night, Fred Astaire and Ginger Rogers. The same is true for what sparks our creative energy: our thoughts and actions.

Creativity is an inside job as much as it is about a conducive schedule, physical environment, and supportive behaviors. By establishing the right internal and external landscape, creativity can blossom from the abstract to the concrete and we can have fun along the way.

Sparking creativity is all about setting up the right conditions so a spark is ignited and sustained. The sparks don’t fizzle out. They are allowed to grow and ripen.

Think of a garden. Intention alone will not produce the delicious red tomato nor will the readiest seed. That seed needs attention at its nascent stage and as it grows a stalk and produces fruit. If we want to enjoy more than one fruit, we keep at it, cultivating the plant and reaping multiple harvests.

Creativity lives in each of us like seeds in the earth or encapsulated in a nut. Seeds of ideas, concepts, designs, stories, images, and even ways of communicating that surprise and delight await activation.

By sparking our creative energy, we activate these unique seeds. Like snowflakes, they are of a moment and always without a match. The smallest sparks encourage even the smallest, most dormant seeds to sprout.

The good news is that our creative energy wishes to be sparked—to be invited to play. It wants to be our regular playmate.

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1. Be Childlike in Your Thoughts, Attitudes, and Approach

Being childlike in our thoughts, attitudes, and approach is an easy way to internally have our thoughts be gracious prolific gardeners to our creative energy. If we want it to come out and play and hang around as our regular companion, then let’s return to our 5-year-old selves.

Our childhood selves are naturally curious. We still have that curiosity! All we have to do is remind ourselves to get curious. We can do that by simply observing and being with what is in front of us instead of making up a story about what won’t work or why something can’t be done. So, it’s about cultivating curiosity instead of jumping into judgment.

Move Your Inner Judge to the Sidelines

When we get curious, creativity percolates and, ultimately, takes its place in the world. To give a hand in choosing curiosity over judgment, we can move the judge that also lives inside us to the sidelines. The judge squashes our creative urges, even when they are as small as sharing a point of view. It’s that pesky voice that causes us to doubt ourselves or worry about what others will think.

The judge is also risk-averse. The judge likes things to stay the same. Change makes the judge nervous.

Creativity is all about risk and changing things up. It needs risk, even failure, to be its naturally innovative, dynamic, impactful self. The judge likes to convince us failure is something to be avoided at all costs.

To move the judge to the sidelines and let curiosity reign, we can pay attention to who we are in conversation with and who is calling the shots.

Is it the voice of fear, doubt, or anxiety (the inner-critic—the judge’s boss)? Or is it the voice of wisdom, courage, strength, and non-attachment, and of course curiosity (the inner-leader)?

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We can easily tell the difference by how each makes us feel. The inner-critic depletes and slows us down, putting roadblocks in the way. The inner-leader energizes and a natural rhythm develops.

It’s all about who we spend time with. If we wish to exercise, we will seek out our friends who go to the gym or hike. If we want to lose some weight, we will opt to eat dinner with someone who prefers a healthy spot over fast food.

After getting curious, we can honor what our curiosity prompts us to do. The spark can do its job and a fire starts to glow when commitment enters. Our childhood selves were fully committed to being creative. That level of commitment is still something we are very capable of exercising!!

Again, we need to let go of the judge. We can ask ourselves, what do we want to commit to—negativity that depletes our creative energy, depth, and output, or the understanding that our thoughts and attitudes matter and that right thoughts and attitudes are the sparks that really let our creativity come alive?

Learn to Recall Your Childhood Self

To get in touch with that unabashedly committed childhood self, recall your childhood self. If you have a picture, pull one out. Keep it around so you can remember to activate that innate creative nature that was prominent then and wants to be prominent now and always.

Soak in the essence of that being. Commit to their commitment to brave and dogged trial and error because it is yours as well. You are that person.

Remember how tenacious you were when you wanted to build that sandcastle. You kept at it as the waves came in. You built with fury or reconfigured the walls. Also, remember that there was a willingness to fail since you were as invested in the process as well as the outcome—but less with the outcome. You were willing to experiment and start again. There was vitality—the main lifeline of your creative energy—instead of a rigid attachment.

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When you notice you are in conversation with your inner-critic or being held back by it, simply acknowledge, name it, and then switch to your inner-leader by taking a few good deep belly breaths, rubbing two fingertips together, or listening to ambient sounds in the background.

Physical movements shift our negative thoughts over to the positive domain of the inner-leader. As our judge continues to sit on the sidelines, our ability to quiet the inner-critic becomes stronger. We taste freedom. A simple taste emboldens us to say no again to the judge and yes to what makes our hearts and spirits sing—our creativity.

We begin to spark creativity to the point it no longer needs to be invited to play. It becomes our regular playmate—the younger sibling or the kid next door ready to have some fun, maybe even make some mischief by shaking things up.

When we align with our inner-leader and think and act from its promptings, creativity flows up and out with ease, as it needs to!

Letting those initial sparks generate a creativity fire that keeps burning is something we can all do! That’s the inside job.

2. Listen to Your Inner Leaders of Creative Energy

If we listen, our inner-leaders will let us know just what we need to set-up and do in our physical world to maximize that gorgeous, hungry creativity we now have flowing freely in us.

The seed has been unlocked! So, now what?

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To enable our creative energy to take its form and place outside of us, there needs to be spaciousness! Spaciousness in our physical worlds impacts our internal one. It lets the voice of the inner-leader be heard. It lets creativity have room to be sparked and acted upon.

With a little discipline, we can easily create spaciousness in our daily lives—spaciousness that will spark our creativity and let it take shape.

So, no matter who you are and what conditions help your creativity thrive, check-out these easy-to-implement basic suggestions:

  • Reduce or eliminate multi-tasking.
  • Say yes to what matters and what aligns with your big values and goals.
  • Say no to all else.
  • Say no again.
  • Schedule time in your calendar as you do with other things in your life to just be, to ponder, to let ideas percolate, and to create.
  • Spend time doing the things that bring out your creative energy. It could be walking, singing, or simply looking out the window.
  • Meditate.
  • Breathe—long breaths in and long breaths out through the nose.
  • Invite your body and heart into your experiences so your mind is a part of you and not all of you.
  • Try a new thing to spark your creativity. If you spend time running, try a different route. If running feels stale, cruise around a museum, or go for a bike ride.
  • Play a game. Indoors out or outside. Think of what makes you happy that you haven’t done in a while. Is it a physical game like badminton or cards? Maybe it’s storytelling? Play is creative, and it sparks the creative energy, too.
  • Spend time in the places that bring out your creativity. What spot in your home could be your spot for entering into that mode? Do you need to get out? Maybe a park bench is the right spot, with a book of poetry, or even nothing at all.
  • Spend time in nature. Nature brings us to a place of calm and awe and through that our creativity is easily sparked.

Final Thoughts

These are all habits—habits of mind and habits of doing. Experiment with what works for you. Have fun. If you give even 50% to altering your thoughts and actions, then you will begin to spark your creativity. It takes a lot of curiosity and commitment, but it can definitely be done.

Our innate creative energy is a deep source of all that we seek—joy, connection, renewal. It deserves and looks forward to the changes you will make that will let sparks fly and ignite!

More Tips to Spark Your Creative Energy

Featured photo credit: Kelly Sikkema via unsplash.com

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