Ever ran into a situation where you were left searching for loose change around your house?
This is a common situation with most people all around the world. Cash woes are indeed a real thing! They usually end up in an I need money now, or I need money today’s situation with no real practical solution in sight.
Why do these situations occur?
It can be due to several different reactions, such as:
- Unforeseen situations- For instance, car breaking down, medical illnesses, and other unplanned expenses.
- High commitments – Do you have high commitments such as loan repayments or other similar expenses? This can be one of the main reasons why you often face cash crunches.
- High expenses – If you have a flashy lifestyle with large spends on food, clothes, or other products, you are likely to end up in an “I need money now desperately” situation.
It usually starts a week before your payday, with the cycle repeating itself over and over again. Such situations can also pop up if you are unemployed or just a student. No matter what stage of life you are in, running into cash crunch situations is an inevitable aspect.
So is there a solution? Well, I can help you get a quick remedy to your ‘I need money today’ problem. I have researched some of the easiest things that you can do, and that can help you earn a few quick bucks.
Read the ideas thoroughly to fully understand the best ways to solve you’re desperately need of money today issue.
21 Fastest Ways to Get Paid When You Need Money Now
To answer your desperate I need money now problem, here are some of the best options available today that can help you make a quick buck. However, a fair disclaimer that all options may not be suitable for everyone.
Take some time out to find the one that works best as per your needs can help you get instant results. You can even combine one or more of the options given below to get better results.
1. Do Micro Jobs
What are micro jobs? They are exactly what they sound like. Small jobs. Depending on where you live, there may be hundreds of micro-jobs around you. These jobs can usually be completed in a small amount of time and can help you get paid anywhere from upwards of $2-3 per task.
What kind of jobs can you find? Micro jobs span over numerous categories. This may include deliveries, courier services, quick writing jobs, creating a new poster, or other similar categories.
How do you find micro jobs? Some websites like Amazon Mechanical Turk and Clickworker offer local area jobs that you can find and apply to. This can be the best way to earn some quick money and be an excellent fit for you when I need money in today’s situation.
Consider websites such as Amazon Mechanical Turk to find the perfect micro job for you.
2. Use Swagbucks ($10 Free Signup Bonus) for Daily Online Activities
Even if you don’t care to admit it, your life is practically engulfed by the internet. We all rely on the internet for most things today, including shopping, watching movies, entertainment, and much more. But is there a way to earn money out of this habit?
Yes, there is! Start using Swagbucks.
How? They pay you with Swag bucks! Once you exceed the threshold, you can accumulate these rewards and have them transferred to your bank account. You can also use these reward points to make purchases and spends at your favourite outlets.
You also get a free $10 bonus on signup. This makes Swagbucks one of the best ways to earn some money without making any drastic changes to your lifestyle. You can typically earn $5 a day just by watching a few videos and using the website.
It may not seem like a lot of money at first. However, these bucks accumulate over time, and it can turn out to be a much-needed cash influx when you need money quick.
3. Deliver Food with Postmates
Still, thinking about how to get over the need for money today fast problem? Consider signing up with Postmates.
What exactly are Postmates? It is a logistics company that employs local couriers for a variety of functions, including delivering goods, food, pickups, and much more.
You can simply sign up as a courier and get started with as little as your bike. You get to keep as much as 80% of the delivery fees, and you get to work your hours.
I tried Postmates for a few months, and I found it to be an excellent way to make my time more productive and earn good money at the same time.
Working a few hours each day or week can give you the cash influx that you are desperately looking for.
4. Rent out Your Car
Do you have a car that you are willing to rent out? Use Getaround to make some quick bucks by renting out your car. How does it work? Just snap a few pics of your car and post it on the Getaround website.
People simply rent out your car through the website, and you get paid for it each time there is a booking. If you have an extra vehicle lying around unused or want to rent out your vehicle when you are not using it, Getaround is a great way to do it.
The best part is that you can get some quick extra money without having to put in any extra effort or time. This is one of the best fixes for your ‘I need money now desperately’ situation.
5. Rent out Spare Rooms with Airbnb
Do you have spare rooms in your house that you want to utilize? Now, you can! Sites like Airbnb let you list rooms, houses, or apartments on their website through which you can earn when there is a booking made.
How does it work? Snap a few photos of your place and upload them on the website. You can also set your own rules and guidelines for guests such as no smoking policy, no drinking policy, among others.
Wait for the listing to go live, and then you can start making money from the bookings.
A typical user can earn more than $1000 each month with super hosts raking in more than $100,000 each year.
This is an excellent way to get an additional income with your existing resources. This is the perfect solution if you are desperately looking to fix the ‘I need money today’ problem.
6. Start Using Dosh and Get $5 Instant Bonus
Dosh is a simple cashback app that helps you earn some extra money without having to go through any hassle of submitting receipts or bills for your purchase.
How does it work? Simply link your credit or debit card with Dosh. That’s it! You can now earn cashback and rewards for every purchase or spend on your registered card.
The best part is that the cashback is real cash. You can have it transferred to your bank account as soon as you hit your minimum balance.
Why is this listed as a solution to the ‘I need money now’ desperately situation? Well, we all make purchases every day with our cards. Whether it is for booking a ride with Uber or paying for a meal, we unknowingly make a lot of spends and purchases each month.
Dosh works proactively to give you rewards each time you use your card. You really can accumulate a lot of money over a period that you can transfer to your bank account as and when you need it.
7. Sell Your Old Books
Education, unfortunately, is an expensive affair. Reports show that just in the US alone, there are trillions of dollars in student loan debt. Reference books and study material today cost up to thousands of dollars, which can make them out of reach for most people, and they usually end up piling on their debt.
How can you help with this problem? If you have some old textbooks gathering dust in your attic, you can sell them online.
Not only does it help another student get the same books at a lower price, but it can also help you make a few quick bucks.
Websites such as Bookscouter pairs you with different vendors who are interested in buying your books. Just pick the vendor that you like and complete the sale.
Most people never use their old textbooks and usually end up throwing it away as waste. By recycling these books through Bookscouter, you help another student while making money for it at the same time.
This can be a valuable choice if you are looking to get out of that cash need now fix!
8. Sell Your Old Stuff
I know what you are thinking. All the methods mentioned so far involve a lot of work and time. Is there a way to solve the need for money now for free? Not exactly. But, yes, there is. You can simply get rid of the stuff that you are no longer using.
It’s practically free money! You are getting paid for the things that you no longer need. You can sell anything from old cars, furniture, toys, and others.
The sites match you with buyers from around the globe, and you can negotiate a mutually beneficial price for your sale.
And just like that, you got that much-needed cash to pay your bills or help you with your cash crunch situation.
9. Negotiate Bills with Trim
While this is not a way to earn more money personally. It is a method you can use to cut down on the money that you spend on bills every month.
How does it work? Most of us are slaves to recurring bills. This includes internet bills, phone bills, cable, and much more.
How does Trim work? It cuts down your monthly bills by more than 30%! And you know that money saved is equal to money earned!
How does Trim do this? They negotiate with your existing billers for a better deal and find ways to cut down your monthly costs.
I know what you are thinking. How does this help you with your cash crunch situation? Well, by reducing your expenses, it helps you enjoy more of your income for your other needs. It helps you to avoid the money need today desperately scenario proactively.
10. Participate in Product Testing
There are a lot of companies today that actively seek people to participate in testing products. If you are ok with spending some time participating, you can make a few quick bucks with little to no effort.
Additionally, you can also sign up for product testing. Interested companies ship products to you. You can use these products and submit your results as an independent tester.
This is a great way to get your hands on newly launched products and also make some extra money while testing them on the side.
Participating in product testing jobs is a win-win situation for all parties involved. When you get to earn some quick bucks, companies get valuable research and market feedback at a fraction of their actual costs.
11. Get Freelance Jobs
I personally feel that freelancing is one of the best ways to earn some quick bucks instantly. You don’t need a ton of experience or skills to work as a freelancer.
Whether you are a student, an employee, a businessman, or from any other background, freelancing is one of the easiest ways to solve your money problems.
How does it work? Just sign up on a freelancing website to search for available jobs. The jobs range from content writing, designing, development, testing, and span across many other categories.
You simply bid on a project that you would like to undertake and then negotiate your payment terms with the bid owner. It’s as simple as that. Once you win the bid, you can start working on the task and get paid once you complete it.
There are many popular freelancing sites –
Why is this among the top options if you are desperately looking for money? Freelancing has no earnings limit or restrictions. You can earn as much as you want, provided that you are willing to put in the time and effort.
12. Drive People Around with Lyft & Uber
People are becoming increasingly dependent on taxi and cabs aggregating applications for their daily needs. The market for on-demand taxi services has enormous potential and demand that can help you earn some good money in your free time.
There might be basic screening and verification stages that you have to clear before you are authorized to take up driving. And that’s it!
Use your spare time to accept requests to drive others around and get paid for it.
Is this a good gig to make money? It depends on how much time you can devote every day to your driving. Earnings from your driving gig can be a much-needed influx to solve your cash crunch situation fast.
13. Switch Banks and Get Cash Bonus
Did you know that switching banks can help you get some extra money? Confused? Don’t worry! It is quite simple. Many banks today offer very low-interest rates to their customers. This means that you end up earning very little money as an interest from your existing account balance.
While making the switch to a better bank, you can enjoy higher interest rate returns from your savings. But is this enough to make a difference and fix your ‘I need money now fast’ situation? Probably not.
However, many banks offer cash bonuses of up to $200 when you sign up with them. This is the icing on the cake that can help you earn some quick money without putting much effort.
For instance, Bank of America gives you more than $300 once you sign up with them and complete a few basic criteria. That is practically free money!
14. Ever heard of peer-to-peer lending?
Instead of living paycheck to paycheck, it always makes some sense to save some money aside for the rainy days.
However, just keeping money aside is not enough. It is essential to invest them correctly so that they grow over time. There are many options for you to do this, including investing in stocks and funds, among other similar options.
Peer to peer lending is one such option that you can try.
How does it work? You simply become a lender and help fund a part of someone’s financial requirements. You get paid back the interest regularly until you recoup your amount and more. The best part is that you can start by investing just a few bucks into the website.
Many sites offer peer-to-peer lending facilities, one of the best is Lending Club.
The best part about such sites is that you earn upwards of 25% interest for each contribution that you make. This can help you quickly earn money and proactively avoid those situations of money needed today desperately.
15. Work Overtime in Your Current Job
Need money fast? Not sure what to do? You can always try working overtime in your current job. Though this requires you to put in a lot more time and effort, this can help you make some extra bucks that can see you through tough financial times.
You can also consider asking for a raise or a promotion provided that you have worked there long enough. Though this option may not apply to you if you are a student or still unemployed. It is still an excellent option for people with jobs to increase their income quickly.
16. Consider Refinancing Your Loans
Many of us today are victims of bad loans and high-interest rates. People usually end up getting high-interest loans due to poor credit scores or other similar factors. But worry not! There is a way out.
You can refinance most of your existing loans today with a new lender. You can even combine your multiple existing loans into one new loan.
How does this help you?
Firstly, refinancing your loans can help you reduce your monthly payments drastically.
Secondly, it can help you get a lower interest rate. This means that your new loan could potentially help you save thousands of dollars on interest payments.
Last but not the least, you may be eligible to get more money from your new loan.
Though refinancing may not always make sense, it is a viable option to make some quick money if you are struggling to pay back your existing bad loans.
There are several different online and offline lenders like Sofi that provide refinancing facilities in just a few simple steps.
17. Get Cash Advance on Your Credit Card
What is a cash advance? You can convert the available credit line on your credit card into a cash advance. This is not generally recommended as it carries high fees and associated charges when compared to just making purchases with your credit card.
However, for your instant I need money now situation, this can be a good option to get some extra cash in little time.
You can reach out to your bank to find out more about how you can get a cash advance from your credit cards. Personally, this option has helped me out numerous times to get out of that sticky cash crunch situation.
18. Take out a Small Loan
Again, this may not be a recommended option for most people, as it can lead to increased debt and financial commitments. However, as a last resort, taking out a small loan can help you get much-needed relief in your cash crunch situations.
Many lenders provide instant solutions when it comes to small loans and credit. Take some time out to research your available options to get a solution that makes sense for your current situation.
There are many lenders to choose from when it comes to small personal loans such as Lending Club and Upstart. These loans can be an instant fix for your I need money fast situation. However, you must avoid high-interest loans or poorly structured options to help you avoid further financial debts and crises.
Permanent Solution for I Need Money Today Problem
19. Start a Blog for Part-time
Blogging is an outstanding way to make a consistent passive income each month. The best part is that you can blog about any topic that you like.
If you are an adventurer, you can write about the trips that got your adrenaline rushing. If you are a traveller, you can blog about your travel experiences.
There is a practically endless list of things that you can blog about. To get started with a blogging website, you don’t need a lot of skills or capital. You can simply start your money-making blog with Bluehost.
Many websites offer ready to use website templates at affordable costs. It is an excellent solution if you are continually falling into the money crunch situations.
How do you get started? Just find a domain and hosting solution that you can afford. Then just get started with writing blogs and publishing them as and when you can. You can get ad revenues and other income sources when your blog is live.
20. Start Affiliate Marketing
Marketing trends and strategies are constantly changing around the world.
Affiliate marketing is one such trend that has become a powerful digital marketing tool today.
How does it work? You can sign up on websites such as Amazon to become an affiliate marketing partner.
Next? Set up your website to promote products. This is similar to setting up a blogging website. You can either blog about the products or write reviews to promote them to the general public.
You can get a percentage of the sale each time a customer buys the product through your website. Setting up such websites are quite cheap and do not need a lot of skills or expertise.
You can quickly set it up to earn money consistently and never get into the I need money now situation.
21. Be a Vlogger
Video blogs, or vlogs, in short, are becoming an increasingly popular trend all over the world. It is the same as blogging.
However, you don’t have to type anything or create written content. You just video document your life and experiences, and you can start earning money from it once you have enough followers.
Like blogging, you can create vlogs on practically anything. Whether it is gaming, travelling, DIY kits, or any other topics, Vlogging is a great way to earn some quick money.
If implemented correctly, it can be an efficient way to say goodbye to your need money today problem forever.
However, you may need to spend some money to set up your vlogging channel on Youtube initially. This includes a high-quality video camera, editing equipment, laptop, mic, among others. If you don’t want to spend a lot and still be a vlogger, you can start with just your mobile phone and work your way up.
What to Look Out for When Trying to Make a Few Quick Bucks?
As I have mentioned before, cash crunch situations are natural for most people. However, it is essential to make sensible decisions in such situations to help you recover quickly. Here are a few things you can keep in mind while seeking out cash crunch solutions:
- Avoid debt – As much as possible, it makes sense to avoid debts and credit charges. However, this may be unavoidable in a few circumstances.
- Avoid deals that sound too good to be true – If a deal sounds too good to be true, then it probably is! Don’t go behind deals that promise very high returns with little to no effort.
- Avoid deals that require you to pay upfront – Frequently, you may come across deals that require you to pay a few bucks to get a particular discount or cashback. Unless it is from a verified source, it is likely to be just a scam.
- Due diligence – Take some time out to research what you are getting into.
Cash crunch situations are unavoidable in most circumstances. Whether you are a student or have a high paying job, you may still run into circumstances where you are left wanting for a few extra bucks to cover your needs.
Luckily, there are several options that you can use to make some extra bucks without putting in too much effort. From freelancing jobs to cashback programs, literally, there are hundreds of solutions available in the market today.
Hopefully, this review covers some of the most popular options that you can use to make a few extra bucks that can save you from your ‘I need money now fast’ situation.
However, there is a question that you must ask yourself before trying out such options. Is the company genuine? Are there enough reviews to support its efficiency? Is this a scam?
Taking time out to do due diligence can help you avoid further financial problems.
Hopefully, this list that I have compiled has given you some useful insights on how to get rid of that sticky I need cash now desperately situation with a few simple steps.
You can share your situation why you need money now? I’ll try to solve it.