I Need Money Now! 12 Ideas To Get Some Cash

I need money now

You’re in a pinch. You’ve done everything you know to do, but you’re painfully behind on your bills with no relief in sight. You keep thinking to yourself, “I need money now,” but you have no idea where to get started.

Yes, people are talking about how they make money online, but many of the options they share need months to implement. And the truth is, you need money pretty much yesterday.

If this is you, you’re definitely not alone. We’ve all been there. The key thing to remember is that you can earn fast if you need money right now.

It's simply figuring out how. Ready? Let’s jump right in!

How to earn more if you are thinking, "I need money now!"

We've all felt that "I need money right now" pressure. So here are some quick and easy ways to get some extra money when you need cash now!

1. Flip items to earn if you need money now

If someone tells you that you need to spend money to make money, it isn't always true. Sites such as eBay, Craigslist, and Facebook Marketplace let users list items for sale at no upfront cost. All you need is a phone and an internet connection.

How to begin to flip items

What does that mean for you? If you need money right now, the best way to get started is to look through your house for any items you can sell online. The truth is, with a lot of items, no matter how well-intentioned you are, you’ll probably never use them.

And in this age of decluttering, who wants to hold on to excess baggage when there’s the option to offload AND make money while you’re doing it?

Take a good look at the inventory in your home - going room by room. Items that could do well include books, furniture, electronics, jewelry, or unique one-of-a-kind vintage items.

Once you’ve found items around the house, give them a good clean, take multiple great quality photos and list them up on eBay. Or check out Facebook groups to get a buyer for your items. See our article for the best items to flip.

2. Sign up to run errands on Task Rabbit

Task Rabbit took the gig economy by storm, stepping in as a platform that allows people to run errands in exchange for money. You’ll be surprised at just how many people need an extra hand to help them manage their day-to-day tasks.

Tasks range from running errands for the elderly, going on grocery shopping runs for the busy entrepreneur, cleaning, and escorting a patient to and from surgery – the list is endless.

Sign up with TaskRabbit

To sign up, you will be charged a non-refundable registration fee which is currently $25. Once you sign up, you will create a mini-blurb about your services and block out your available windows on the app. That way, you can easily be matched with tasks that align with your skills and availability.

To be successful on this app, complete a profile that really showcases your skills, dependability, and experience with similar tasks.

For example, you might sign up for your decorating skills. You could highlight your friend’s baby shower that you hosted and share the feedback you received from attendees. Task Rabbit is a great option if you need cash now.

3. Drive for Uber / Lyft when you need money now

If you own a car, love driving, and love meeting new people, a rideshare gig may be the perfect fit for you. Services such as Uber and Lyft let drivers clock in and out according to their own chosen schedules.

There is no requirement to work specific days, so you can work when you want. All you need to do is turn off the app when you’re clocking out.

Benefits

Aside from the monetary benefit, which can be quite lucrative, especially during surge pricing (higher pricing during peak traffic hours), Uber also comes with many added benefits. For instance, meeting new people and freedom from the 9 to 5 corporate structure.

4. Work odd jobs if you need money now

If you're thinking, "I need money right now to put food on the table", working odd jobs is an equally viable option. While it may entail more hands-on work, it could make the difference between being short on cash for another month and being able to meet your financial obligations.

Types of jobs

Jobs in this category include working at a car wash and pet sitting (try rover.com to connect with dog owners). Others are laundry services, cleaning homes, running grocery errands, cooking, cutting someone's grass, or raking their backyard. The list is endless, and the opportunities are readily available.

5. Sign up to do childcare

It can be expensive to raise kids, and one significant cost parents have to figure out is daycare. Some parents are fortunate to have family in the area that can help with this, but most, especially in big cities, need to hire help with this task.

That’s where you come in. Babysit or become a childcare provider, and you can effectively spend your day minding the children while the parents are away at work. Look for childcare opportunities on care.com.

6. Do surveys

While this certainly won’t make you rich and can take up a good amount of time, participating in online surveys has been known to rake in extra dollars for participants.

Where to look for surveys

There are literally hundreds of survey sites offering these services. However, not all are made equal and proper diligence needs to go into exploring your options.

A few good options to consider include sites such as Swagbucks, which has an A+ rating with the Better Business Bureau and has been around for over 12 years. Another one is Survey Junkie, which gives you points for surveys that you can convert into cash.

7. Rent out part of your home on Airbnb

Realistically, most people use a fraction of their homes on a day-to-day basis, unless it’s a tiny apartment. That's a lot of potential to earn extra income if you need money fast!

In fact, the income potential from renting your additional room out via Airbnb is higher than what you make from sharing the space with a roommate.

Airbnb concerns

What one person would pay in rent for the month could be made in several days on Airbnb. It may be rather intimidating to invite a complete stranger into your home. However, the truth is that the number of incidents that occur through the platform is minimal.

Additionally, Airbnb has checks and balances in place to protect you as the landlord. For instance, giving you the option to request that the guest provides Airbnb with a copy of their identification documents.

Check the laws in your area before you start. Airbnb offers some guidelines around what regulations you can expect for your city.

How to start the AirBnB process

Beyond the regulations and your initial diligence process, the next step will be to put out a well-optimized listing. Imagine yourself as a complete stranger to a new city who is looking for somewhere to stay.

Remember, most people you will host will know next to nothing about your area. So the quality of your listing will either make or break your chances of success.

Make sure to provide lots of great quality information about the unit, the neighborhood, transport, and distance to major attractions and take high-quality photos.

8. Get a roommate if you need money now

Although renting part of your home as an Airbnb will make you more money, you may want to consider a roommate as a simpler option. With a roommate, you can charge rent and possibly split the bills to reduce your living costs.

How to find a roommate

Of course, before you go this route, be sure to ask your landlord if you're allowed to have a roommate. Find a roommate by using your network of friends and family.

You can also list an ad somewhere, like on Facebook Marketplace. A roommate is an excellent option if you need money fast!

9. Negotiate your bill with a payment plan

Surprisingly, many subscription-based services understand that hard times can hit someone in life and a large majority have alternative payment arrangements they don’t advertise to the general public.

Businesses would much rather secure a subscriber over the long term instead of losing the customer because he or she failed to make a payment.

Tips to negotiate

If you are struggling to pay a specific bill, call up representatives from the company, let them know your situation, and demonstrate your desire and commitment to paying your dues. More often than not, the specialists will do everything in their power to help you with alternative payment arrangements.

10. Pawn some items

To get some extra money, look for items around your home that you might be able to pawn. When you pawn something you'll get a loan and they'll hold onto the item for you. It can be a temporary solution to the "I need money right now" problem.

But be sure to pay it back in time. It's usually a short period like 30 days, though this depends on the shop.

11. Do freelance work

If your bank account is looking pretty empty but you aren't willing to go through payday lenders or short-term loans to get what you need, consider freelance work.

Some examples are proofreading, data entry, virtual assistant work, and maybe freelance writing. Find an area that you're skilled in and look on sites like LinkedIn and Upwork for jobs.

12. Make use of gift cards when you need money now

Maybe your ATM withdrawals have become very limited. You don't want to resort to a credit card cash advance or a home equity loan, so look through your wallet for unused gift cards.

You can use them to pay for necessary expenses like groceries for the time being. It could be the difference between making ends meet and not having enough.

13. Have a garage sale

A garage sale won't make you rich, but if you have a lot of extra stuff and need cash now, it could be just what you need. Plan to sell anything you can, and advertise on Facebook and social media, plus good old-fashioned signs outside.

Pick a Saturday or Sunday and set up outside. Remember to have change, and mark the prices for the items. You could make several hundred bucks or more.

For more advice on setting up a great garage sale, check out this article.

14. Ask for overtime at work

One of the easiest ways to remedy your "I need money desperately" situation is to ask if you can work overtime. Sometimes we spend hours and hours trying to figure out the best way to make additional money when the opportunity is staring us in the face.

If your job offers the opportunity to work extra shifts, you’re in a great position to earn more money quickly. Some additional benefits of working overtime include the fact that you incur no additional costs to get to and from work.

You may also require no additional training, and you automatically contribute more to your retirement nest egg through your existing payment arrangements. Talk to your employer if you haven’t explored the opportunity yet.

15. Return unnecessary purchases

In this day of online shopping, it is not uncommon to buy something you think you love only to try it at home and realize that you actually don't need it. Online shopping is notoriously the cause of a ton of overspending.

Many people stop here and accumulate heaps of unwanted items because of the hassle of processing a return. If you need to pay bills, check the return policy on items you bought. Many stores have generous policies sometimes extending to 90 days (or, in the case of Macy’s, 180-days).

16. Ask friends or family for help if you need money quick (with a plan to pay them back)

Your immediate support system can be a good go-to source for help in those moments when your finances are not lining up well. However, you should approach this option with caution.

Borrowing from close ties and failing to pay back the money can lead to a breakdown in relationships. Understandably, life happens, and sometimes there is no other option than to go down this route.

If you do borrow from friends or family as your loan provider, clearly articulate a realistic repayment term for when you can get the money back to them. Then do everything in your power to stick to your repayment schedule or pay it off faster.

17. Consider taking out a loan (that you can afford to pay back)

If you’ve tried all the above and none of the options seems feasible for you, then you may have to explore the option of taking out a loan or a credit card. However, approach with caution.

Things to think about

If banks or credit unions offer you a $10,000 personal loan and you only need $500, be careful not to fall for the temptation of getting a big windfall. At the end of the day, you will have to pay it all back – with interest.

Set realistic expectations and carefully review all the loan terms before committing to the loan. Also, be sure to build your repayments into your budget, setting a goal to pay off your debt as soon as you can.

Do your best to avoid payday loans though. Even getting a loan at a pawn shop may be a cheaper option than a payday loan. So be sure you can afford to pay it back fast!

You may be able to check with your employer about a salary advance if you really need cash fast.

18. Sell plasma and save a life

It might sound crazy, but selling your plasma is a quick way to make money. Plasma is the liquid portion of blood remaining once red blood and white blood cells and platelets have been removed. It is used to support people suffering from chronic illnesses.

There are centers in almost every city that accept plasma to help individuals in need, and you can sell your plasma while doing good. Pay ranges from $20 to $50, and the best way to get started is to google a plasma center near you.

How to avoid being in a place where you find yourself saying, "I need money desperately!"

If you're saying to yourself, "I need money desperately," more often than not, take a look at your money habits and make some changes. Here are a few ways to stop being broke and start having more money!

Set up an emergency fund

Emergency funds exist for "I need cash now" moments. When you face unexpected circumstances beyond your immediate control, having emergency cash can be the difference between taking on additional debt and comfortably cruising through a tough patch in life.

An emergency fund is essentially a savings account exclusively dedicated to helping you through life’s emergency expenses.

An emergency could be medical bills, car repairs, or job loss. The size of the fund largely depends on your lifestyle choices, though many choose somewhere between three months and a year's worth of expenses.

Get in the habit of building a sinking fund

If you have large one-time expenses coming up, the best way to prepare is by putting a sinking fund in place. Sinking funds are essentially extra cash you set aside for a specific one-time purpose. It can include setting aside money for a new couch, paying for a wedding, or buying a new car.

Sinking funds can be an excellent way to ensure that your budget remains balanced throughout the year without looking for additional income or taking on debt. Planning ahead by setting up a sinking fund is the best way to avoid the "I need money right now" scenario!

Establish multiple streams of income

There’s never been a more exciting time to be alive than now because the number of opportunities available is countless. If you find yourself strapped for cash and you’ve done all you can to maximize your current income, it may be time to consider diversifying your sources of income.

Income diversification can take place in so many ways – the choice is yours. Trade time for money by doing work such as house or pet sitting. Invest in the stock market and grow your income through asset appreciation.

Focus on passive streams of income such as peer-to-peer lending. Invest in real estate by buying properties that will bring in rental income. You could even start a side hustle.

As you can see, there are a ton of options, and anyone at any income level can start earning more.

Try these tips if you need money now!

Like anything worth doing, earning money requires some hard work and commitment. Just because you might be in a bind now doesn't mean it has to be permanent. Use these tips if you need money fast, and be sure to start saving up for emergencies.

By financially preparing for unexpected events, you will prevent yourself from being in the "I need money now" loop! Start saving money fast with our free savings challenge bundle and free yourself from the cycle!

Scroll to Top