I Need Cash Right Now! 14 Ways to Get Money Quickly

Sometimes a financial emergency strikes; other times, it’s just hard to keep up with the bills. Whatever, the reason, you’re at this site because you need money desperately. Instead of sitting around thinking, “I need cash right now,” take some of these action steps to make the money you need. Many of them will work within a week, as long as you apply yourself. If you have a job already, you will have to work extra hours, but that’s life. Here are fourteen ways to make extra cash quickly:

Figure out exactly how much you need. You need to be as specific as possible here, as the amount you need will largely determine the options at your disposal. Always think about value – what value can you provide to people to get the money you need in exchange? Don’t look for rapid ways to make money without providing something in return – in other words, don’t even think about scams, fraud, or outright theft! Nothing is free in life. First, look at your assets in general. Do you have any retirement or life insurance accounts that you can dip into? Do you have good credit or equity in your home? Can you get a new credit card? Look at these options first, and see if they make sense for your financial situation. However, don’t take on more credit if debt is the problem in the first place – it makes no sense to take on debt to pay off debt, unless of course you are paying off high interest rate debt like credit cards. Have any stocks or other securities and assets? Consider making a sale of some of those shares if you need the money – but don’t sacrifice your future too much. See what other assets you have around the house that you can sell. If you have big items – cars, TVs, computers – you can make a quick sale offline or online to make thousands or hundreds of dollars. Smaller items work as well, though it may take longer for you to accrue the revenue you need to meet your debt or payment obligations. You could try pawn shops, yard sales, and flea markets if you need to sell your gear right away. Find free or cheap items online or at garage sales, refurbish them, and sell them, either online or offline. One person’s junk is another person’s treasure, so don’t immediately discount this idea, especially if you have the skills to make something new again and increase its value. If you have gold or other precious metals lying around, consider selling these to make a quick buck. Watch out for scammers, though, who will try to give you much less than the gold is worth on the open market. Get a part-time job. If you have no job at all, this will of course be obvious, but if you are working full-time, consider this possibility as well. It’s more hours, but if you’re desperate, you gotta do what you gotta do. Try retail, restaurants, and even manual labor. There are usually plenty of people who are looking for short-term and temporary work, and if you can work these hours into your schedule, so much the better. You could also try to do odd jobs around your town or neighborhood to earn extra money. Cleaning homes, washing cars, washing windows, mowing lawns, babysitting – the options are endless. Find out what people need, what they will pay for, and give it to them. Pay attention to classified ads and other announcements, online and offline (try Craigslist) for those who need help for small projects. They may be willing to pay you for this job, especially if you use your skills in this way. This is essentially offline freelancing. You could also try to make money online. There are plenty of ways to do this, depending on your talents and abilities and knowledge. For instance, you can try freelance writing at sites like Hubpages and Textbroker; or you can sell your own writing to individual clients, either stuff you write yourself or stuff you write according to their instructions. In general, think about what you’re good at, and try to leverage that talent into fast cash. This could include web design, art, music, crafts, and so on – it doesn’t have to be a service, as it also could be a digital or physical product! You often don’t need to wait to get the money deposited into your account, too. One of the easiest ways to get extra money is to borrow it from friends or family. Now, you’ll have to be careful when you do this, as you want to make sure everyone involved is clear on the terms of the agreement. Make sure you write it all out in a formal contract so everyone feels safe and secure with the arrangement, even if you both feel you don’t have to do this. Don’t avoid this step, as you’ll want to have a document to fall back on if problems arise in the future. Otherwise, this is a quick and easy way to get the funds you need with few hassles and fees. You can always try the lottery! Granted, these are certainly no sure thing to win the money you need, but it is possible, right? Only try this if you need a Hail Mary pass to work, but don’t blow all your money on the small chance of making instant cash. Your final option is a payday loan or cash advance. Be very careful with these loans, however, as you might end up paying far more than what you borrowed, especially if you deal with a scam artist or other loan shark. If you have bad credit, these may be the only option for you, especially if you need the money today. Before jumping in, read all the fine print and find an organization that is reputable, one that won’t take you for a ride just because “I need money right now.”

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