Sometimes the unthinkable happens and you find yourself in need of money i a hurry? Ideally, in this situation you would have an emergency savings but if you do not, I can help. Here are a few ways to get the money that you need. Some are fast and easy and some will take a bit of work. Choose the one that works best for you. Ready to get started? Let’s go.
Loans Are Quick & Easy
If you need money in a hurry and need assurance that you will have it, nothing beats a loan. Luckily, Tina can help you get a loan, even if you have bad credit. I can get you access to one of the largest loan networks around. In just minutes, you could have a loan offer in front of you, even if you have bad credit. It is free an you are not obligated to anything so let’s see wha you can get.
Borrowing From Family Might Work
This is just about as easy as getting a loan from a lender but it does involve exposing your finances to a family member. That can be a bit tough to do but if you have a good relationship with a family member it might work.
Now, I will be the first to tell you that family and money can be a big problem but it can work if you handle everything correctly.
So, what do I mean by handle everything correctly? You need to dot all of your i’s and cross all of your t’s. In other words, get it in writing. Believe it or not, this is for your protection more than the family member loaning you the money. It is just to easy to forget the exact details of an informal loan arrangement.
You can find loan contracts at office supply stores or you could just download a sample one from the internet. Make sure that the contract spells out the amount to be borrowed, in this case $800 and the rate at which it is to be paid back.
When it is time to pay back your loan, make sure that you have a way of accounting for every dollar that is paid back. This means no cash unless you want to ask for a receipt. Asking for a receipt can be a bit insulting so I would recommend using an electronic service to get the money to your family member. That or write a check.
Borrowing from family can be tricky but if you are careful, it just might work and you would be rewarded with an interest free loan.
A Side Hustle Never Hurt
If you have a bit of time to get money, consider a nice little side hustle. Everyone needs a second source of income that they can draw from in an emergency. Here are a few ideas that can get you 800 dollars in no time.
Driving for a side hustle has taken on new life with the popularity of apps like Lyft and Uber. You can now make money when you want on your terms, for the most part.
Uber claims that their drivers make an average of $25 an hour. Not a bad wage for something that is so convenient. At that rate, you could make the $800 that you need in as little as 32 hours. That is just a few weeks of part time driving.
A little tip. The best rates with Uber and Lyft come from driving during peak hours, so try to plan your driving when demand is the highest.
- Dog Walking
Ever heard of “Rover”. It is a website that matches up pet owners with care providers. You can use it to get gigs walking dogs or pet sitting. Sure, they take a cut out of every job but they do all the hard work. Getting clients is the hard part, walking the dogs is easy. Cash in when times are tough with some easy dog walking jobs.
- Metal Recycling
More than just aluminum cans. Metal recyclers are willing to give out nice paydays to those that can bring them the heavy metals that they need. Think stainless steel, cast iron, tin and copper. This stuff is just lying around in the garbage, waiting for someone to grab it. Do your part for the environment and cash in at the same time by taking it to a recycler.
- Other Gigs
This just scratches the surface of side hustles that you can use to make $800. You can also do a number of things like cutting lawns, cleaning houses, painting rooms, web design, etc. It all depends on your skill set and your ability to market yourself. Hint: Craigslist and Fiverr are good source of advertising. Craigslist is free and good for trade type jobs. Fiverr takes a cut but is great for techy jobs.
How About A Sign On Bonus
Have you been thinking about a job change? Now might be the time to do it.
Employers are hurting for talented employees. Many are now offering huge sign on bonuses for new employees. Depending on the field that you are in, $800 might be no problem at all, you might even be able to get more.
In any case, it never hurts to look and you might even find that you not only get a bonus but also a better paycheck. A job might be out there that pays you a better salary or hourly wage with much better benefits. It pays to keep your options open so check it out.
The only catch to this approach is the fact that it usually takes a few paychecks before you get your bonus. Couple this method with a loan however and you might have the one-two punch. Get a loan to pay your immediate need and your bonus will follow soon to pay off the loan.