Life happens. Payday doesn’t come on time, or you need a car repair or your basement flooded and you need to pay for repairs. While all of those things can be frustrating and overwhelming, the good news is that there are ways to get cash quickly when you need it the most. Some people turn to any number of ways to squeeze the most out of the budget to ensure they get the money they need. Here are some ways to get cash fast.
Sell Stuff Online
Everyone likely has something in their house that would be worth something to someone. People love to buy furniture they can refinish, electronics, and even baby and kids’ items. If you’re needing fast cash, start snapping pictures with your smartphone and put them up for sale on Facebook Marketplace, Let Go, and other online selling sites. You’d be amazed at how quickly you can not only thin out your excess stuff but also get some extra money.
Apply for a Personal Loan
Credit cards have pretty high-interest rates and waiting on a home equity loan can take weeks. Many people turn to a personal installment loan instead. They often have lower interest rates than credit cards, better terms, and you can get the cash more quickly for your urgent needs. It’s important to research different companies to be sure they have a good reputation, there are no hidden fees, they offer agreeable repayment terms, and they don’t penalize you for paying early.
Do a Freelance Gig
Some people have skills that others want to leverage. Offer yourself as a freelancer to do anything from writing to graphic design to travel planning. You’d be amazed at how much extra cash you can have on you regularly when you freelance. The best thing is, over time, you may even be able to replace your full-time job with freelancing instead.
While it’s not going to give you cash directly, canceling services like Netflix, Hulu, and Disney+ will give you cash back in your budget, which is almost like getting more money. When you’re in a tight financial situation, canceling services at least temporarily can help you get out of a bind. When money is free flowing again, it’s fine to pick up your subscription services again.
If you’re qualified, you could make some decent money in the evenings watching other people’s kids. While it may seem like a limiting option, when you need extra money, hiring yourself out for evening care can help you when you’re in a bind. Plus, if you have kids, it might give them someone else to play with in the evenings as well.
Dog parents often need someone to sit or walk their dog while they are away. Dog sitting can yield a good amount of money, depending on where you are located and what services you offer. Apps like Rover help pair skilled dog sitters with needy dog owners.
Did you know extreme couponers know how to stack deals so they can get a ton of free stuff? The good news is that you don’t need to be extreme to still save big. Clipping coupons means you can score great deals and when you need some food before the next payday can help you make your money stretch. Sometimes there are coupons for freebies as well that you can either sell off or keep because you need it.
Get Rid of Unwanted Gift Cards
Do you have gift cards that have been wasting away in your wallet? Why not sell them? There are companies where you can sell off your unwanted cards and get fast cash for them. One company lets you set your price and your terms and is a great way to get rid of those cards that only have a few bucks left on them. Instead of letting that money go to waste, you can get money in as little as 24 hours.
Getting cash fast may require a small personal loan or some creativity and ingenuity. You’d be amazed at what you can do to earn a few extra bucks come crunch time.