Spend Smart to Make Short Term Cash ($1,000 in 1-3 months)

Shop for cheaper insurance

Do not EVER cancel your insurance entirely. Murphy is an evil little man who waits for things like that and you will get robbed, have an accident or be a victim of Mother Nature. But there are literally HUNDREDS of insurance comparison sites and more insurance companies and brokers than you can shake a stick at. So shop around! Find out what changes you need to make to decrease your risk (install fire alarms, buy a low-risk vehicle, etc) to get a lower premium. Increase your deductibles and insure for EXACTLY what your home, belongings and vehicle is worth at CURRENT MARKET VALUE! A lower premium is not worth how much you’ll lose if you have to replace that insured item.

Keep track of your daily spending

If you own a smartphone or tablet then there are hundreds of apps that can help you keep track of what you’re spending on a daily basis, and on what. If you don’t own one then a pen and paper and an internet café will do the trick! Apps like MoneyWiz sync your accounts, transactions, bills and budget across devices so you can keep track no matter where you are. Meter Readings helps you keep track of your electricity usage and the cost. GoodBudget maps your spending needs into different categories and apps like VoucherCloud (there are MANY others!) are location based deal and discount apps that help you find deals on everything from clothing and food to travel and electronics closest to where you are. This is also where coupon sites come in handy, helping you to cut down on necessary costs. You can also cut down on entertainment, smoke less or switch to a cheaper brand and avoid those morning latte stops by making them at home! Also, keep track of your data usage – it’s unbelievable how much you can save on data costs if you stop playing those bandwidth-hungry games, YouTube a little less and only visit Facebook once a day.