There are a lot of people struggling right now. On your street, in your neighbourhood, in and around your town. Likely people you know are worried about their finances and are in a position where they need money fast. A lot of us have been thrown into a financial situation we’re not comfortable with and might be having to decide between eating and heating. Here are some great ideas of how to make some money today if you are in need of it. They might not work for everyone. They are likely not what you want to do. However, if you need to get your hands on some money, they might work for you today.
Sell Your Things
You might not have a lot to sell. You might not want to sell it. However, if parting with it can get you out of a hole, it’s worth it. Sites such as Facebook Marketplace can get your cash in hand without a few hours if there are buyers interested in your things. Taking valuable things to a pawn shop probably isn’t on your list of things to do today but it can certainly get you some money. This will give you a bit of cash but they will then sell it on for even more. If you can use sites like Facebook Marketplace or Gumtree to advertise your products for free, you can cut out that middle man and charge the amount that it’s actually worth. Can you figure out some other ways to make money from home?
Spring Clean Your Finances
Cancel subscriptions you don’t use. If you need money fast and are in financial difficulty, cancel subscriptions you do use! Contact your utilities company. Did you know that you can ask for the money back if your account is in credit? The money might take a few days to come through but if you have built up credit in your account, which we all tend to do, you can get your hands on it should you need money fast.
Save money on your household bills. You also need to check that you are on the best possible rate with your energy company. A lot of us run out of contract without knowing and default to the standard tariff. This is more expensive than we need to be paying. Change companies that you pay for services. You might be paying more than you need for broadband or a mobile phone contract. Lower your monthly bills and it will help you hold onto more of your cash in the long run.
Part Time Job
Instead of sitting and worrying, could you put that spare time to good use? There are more people than ever ordering takeaways for delivery. More supermarkets are extending the amount of delivery slots they have,. This means they need staff to do those deliveries, as well as organise them in store. This means jobs. Can you find a job, in a shop, or as a delivery driver for a takeaway which will actually put some extra money in your bank account every month? A job with a supermarket might not get you money quickly but it’s a rather secure and dependable role. A takeaway driver might get paid every evening, so that could be ideal if you need money fast. Maybe it’s a side hustle you can start? Could you make money from a hobby? Did you know there is money in furniture flipping? If you have children who want to help out, check out these online jobs for teens.
Do your need helping with budgeting?
0% Money Transfer Card
If you’ve found yourself in debt and the interest on the debt is just pushing the amount you owe up and up, regardless of how much you are able to pay off, it might be worth looking at 0% money transfer cards. These are ways to transfer your existing balance. Where you might be paying 5%, 10% or maybe even 20% in interest on top of the amount you borrowed, to a 0% interest card for a certain amount of time. This means you’re able to pay off that debt with the company you owe it to. Instead, you will owe the new lender. If you’re looking at getting new credit you might want to improve your credit score too.
The huge benefit of a 0% money transfer card is that it’s 0% interest for however much time is offered by the new lender. It could be 6 months, 12 months or 18 months. This gives you some time to actually pay off the amount you owe without the interest building up. It’s not a way to get money fast if you need money fast. However, it could help give you a respite from the debilitating interest build up of your debt.
Cash Conclusion
Check old wallets, coats and the pockets in pairs of jeans you haven’t worn for a while. Route through your dressing table or desk drawers for anything you’ve forgotten about. How often have we neglected to pay in a cheque? Or have forgotten about an envelope of cash we’d put aside for something? Check old bank accounts and savings accounts you barely log into. Look at those cashback sites you use and see if you are able to withdraw any money right now. Look for other money making apps such as Airtime Rewards. If you need money fast for food, see if you are able to get signposted to a foodbank. They can help with food in emergencies.
Please don’t go to pay day loan companies. It will not make your situation better, however much you think it will. If you are struggling with debt, contact somewhere like Christians Against Poverty who can help with that debt. Is there a loved one who can help you out in the interim? Don’t rely heavily on friends and family as they might have their own money worries. If you do ask, always be sure that find out if and when the cash needs paying back. Don’t ruin relationships by borrowing money!
I hope these top tips help. Hopefully, if you need money fast they will help you out of your financial difficulty. Never be afraid to ask for help and please don’t bury your head in the sand. It will only make things worse. Better days out coming, you just need to get a handle on your finances.
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