We’ve all been there. You’re just about scraping by, desperate for your next payday, and your boiler packs in. You’ve exhausted the bank of mum and dad, and need cash fast. Well don’t panic, I have some quick paying solutions to your financial woes, and in most cases all you need is mobile/laptop and an internet connection. Sound intriguing? Read on…
Reward sites
Okay you might not be cashing out tenners at a rate of knots, but an hour a day answering surveys on sites such as Prolific and Swagbucks really does add up. I made some £3000 worth of rainy day money doing just this last year, and ended up taking much of Craig’s stress away when unexpected bills landed on our doormat. If you want any more information on either of these, drop me a comment and I’ll drop over my referral link & give you some pointers.
Switch your current account to one with a cash incentive
Two words: Martin Lewis. If you haven’t heard of him you must have a day job as this guy is all over breakfast telly. A true money expert in his own right, Lewis regularly shares the banks and building societies offering the best new joining incentives. Head to Money Saving Expert and check out these and dozens of other financial tips.
Sell your stuff for quick cash
A quick rummage through the cupboard under the stairs and you’re guaranteed to find some bits and bobs you no longer need. As the old saying goes, one persons trash is someone else’s treasure, so pop it on a selling page and make some pennies fast. Just remember that Amazon and eBay might fetch you best price, but you’re likely to offload your unwanted wares quicker via Facebook local selling pages.
Seek out a responsible payday loan lender
If you really are up that creek, payday loans can be a good short term option. If you can afford to repay your borrowing in full and on time, they can get you out of a hole quickly when you really need help, even if you have an adverse credit history. Just make sure you do your homework and choose a lender like Cash Lady, with a reasonable interest rate and representative APR, and you fully understand what you are committing to.
Mystery shopping and money-making apps
Got a mobile phone? Make it work that little bit harder and download some apps that’ll help you build your pot. Simply raid your purse and pockets for receipts, take pics of them and upload to sites like Shopprize, Shoppix or ReceiptHog to win spot prizes and earn points you can eventually convert into cash. Otherwise, check out mystery shopping apps such as Roamler, BeMyEye and Field Agent that’ll pay you cash for completing small tasks in your local area. There are usually tasks each day that’ll net you some £1-£25 a time.
Redeem your supermarket loyalty points for a free shop
So often we forget about these genius little cards. We whip them out time after time at the checkout, yet overlook the points we’ve accrued in an emergency. Chances are, if you’ve not redeemed for a few months, you’ll have enough to cover your next food shop, freeing up your cash for whatever is most pressing.
Offer your services to your mates
Get your minds out of the gutter!
But seriously, everyone has jobs they just can’t stomach or haven’t got time for, like chalk painting furniture, or collecting their weekly food shop. If you have a few hours to spare, or a skill that’s in demand, pop it on Facebook with a transparent hourly rate to avoid any embarrassing haggling.
No mates? Offer your services to strangers
Check out PeoplePerHour and see if there’s any freelance work going. This is a community where both small and big businesses will outsource jobs they don’t have the time or expertise to complete. You don’t have to have a IT degree to help someone out, you’ll often find projects requiring little to no skills to bank yourself some quick cash, and you can do it all from the comfort of your sofa.
There you have it, 8 emergency money-making ideas to keep your head above water in an emergency. Social media and apps have been the ruin of many, but are a great source of quick cash for the tech savvy and those on lower incomes. Check them out & see what works for you.