When You Need Money Now & Desperately, Get It Fast (Here’s How)

I need money desperately

“It’s how you deal with failure that determines how you achieve success.” – David Feherty

In the period of the financial crisis and mass job loss, thousands of people ended up in desperate need of money.

You may require either surviving two or three months before the dust settles or just need some extra money to pay rent or bills right this second and forget about troubles. Whatever it is, everybody meets such problems and looks for fast and easy solutions.

See the compilation of the most common ways to establish your financial status, available for anybody, and see your option.

Get Free Money - Extra Cash for Everyone

In the stressful world of today, you may desperately need to get the money for free, and right now the help of fast cash services seem the only way out. Surely, it is not so.

  • Take part in surveys. Scientists and marketers seek for new data from all spheres of our lives – what products do you use, how much time you spend on different activities. Just create an account and wait for an offer. Usually, it is a chat or video call with researchers.
  • Cashback. Not 100% free, since you have to do shopping or order services, but still very profitable. Download one of the many apps to scan your checks from shops and get money online from brands you’ve bought. The cash will be sent back to your card or collected in the app as a bonus.
  • Medical testing. Some people consider it risky, but in truth, all safety rules are observed. Depending on the region you live in, you may try different kinds of products on your organisms, thus letting scientists research and make conclusions.
  • Someone needs your data. Remember that you give all your personal information to social media and browsers you use, so it won’t be any damage from getting paid for it. You should only accept sending information about your browser’s history, activities on websites, and other user's information to large databases, which won’t affect you anyhow.
  • Sell the junk. Things you consider a pile of rubbish may be useful for somebody. Old books, souvenirs are highly-evaluated among collectors. Technical objects are often used as parts for new products.
  • Make the reviews. Before publishing new products or content, creators check the reaction of the control group. Become a part of it now. Also, test websites and mobile apps.
  • Credit card bonuses. Cooperating with other shops, cafes, and other services, cards offer you from 1% to 20% cashback. Spend some time to find an appropriate option – whether you prefer cashback for every purchase or general percentages from a certain period of use.
  • Loyalty programs. Shopping in the same places, you can become a member of the program and collect bonuses. Unfortunately, you won’t convert them into currency, so it will hardly work for those who need extra cash but they may be spent on useful products you would buy anyway in a certain shop.
  • Car ads. There are plenty of services that would be pleased to use your car as a place for the banner. Depending on the region and the frequency of your rides you have a chance to earn up to $100 per week.
  • Lease free space. Hard to believe, but your garage and old shade can be a source of income. With the help of the Internet and mobile apps, it is possible to easily connect with people who look for storage and contact them.

Do easy ways work? Do not expect significant improvement. Quick earning cannot be the main source of income. Still, it is a way to get an accidental bonus and cover up small charges.

Loans & Borrowing Options - Fast Way to Get Money ASAP

The troubles came to serious matters and you badly need instant help with money? Now you should turn to radical solutions. Whether you like it or not, incurring debts is an essential step during the crisis.

The experts were asked the most common questions about loan types and how not to get lost among various options. That’s what they suggest in 2020.

  • Everything's been piling up. I haven’t taken the measures in time and rest with no cash now. I need emergency money as soon as possible.

The common mistake is to postpone until the last minute. One moment you realize you need money by tomorrow morning. For quick ways to get cash, banks are not the best decision, as well as relatives’ support.

Try personal loans at online services that work fast to satisfy every customer’s demands. Before turning to any service, look through different variants, read the experts’ reviews, and choose the suitable option. Be careful: unfair lenders could gain from your inexperience and offer a bad deal. Trust only proven companies on the Internet.

What is a personal loan? It is the loan taken in your name for private purposes. The main features:

  1. Unsecured deals are possible.
  2. Regular installments could be stretched out for a certain repayment term.
  3. No purpose and bail. You take it for personal needs and don’t have to report about them.

Tip. Use the calculator to know the total sum you are going to spend on the personal loan.

  • I need money to pay my bills urgently. The sum is not massive, but it creates a hole in my budget.

Long-term loans usually imply large sums. Finding a bank to borrow a small sum for a long period would be hard – there is simply no profit for such a deal.  

Peer-to-peer loans could be a fast solution. The principle is to borrow from private persons without involving any financial institutions. The agreement won’t be tied by strict rules and legislation, usual for banks, so you can establish a comfortable term and discuss all details personally. Such creditors could be easily found on online platforms – they select only reliable options and adapt to your needs.  

The flip side of the coin is all risks you should take yourself. Sometimes the services guarantee safety but read the contract thoroughly to make sure it is so. 

Another thing to take into account is your creditworthiness. The lenders prefer dealing with good credit borrowers.

  • Things always were pretty good until I lost my job. Please, help me. What to do if I need money for bills asap? We need a large sum to survive for the long term. There is no time to wait.

Unfortunately, the crisis period sometimes requires the break of principals. Your retirement savings could be a pillow of safety. Treat the situation as an emergency and accept all the risks of spending it now.  

The advantages of borrowing from retirement savings are:

  • No terms and percentages. The organization you put cash in must give it back whenever you need it. The exception are contracts in which you indicate the date of withdrawals.
  • Independence. Debts usually lead to anxiety and attempt to cut off on everything. In the situation when you use your resources, you rebuild your financial strategy and define the priorities yourself.

The decision is only a matter of discipline. Think of whether you are able to turn the money back when things settle down and plan the budget wisely.

  • I need money to pay my phone bills now, but I have no savings and will receive a salary only in 2 weeks?

Since you need money urgently and need a small sum that is likely to be paid back in one payment, a credit card may be a recommended option. Some people are still prejudiced to such a source, but the epoch of living paycheck to paycheck has passed. The current situation requires flexibility. That is what a credit card gives you. Apply for it in advance to become a loyal user with bonuses and lower the rate of interest, learn how to schedule your debts, and remember about the payment. 

The delinquency rate on the credit card in the U.S. now is lower than ever – 2-2,7% in 2014-2019 (compared to 7% in 2008).

Even though it is rising today due to the crisis, the statistics shows the improvement of conditions and possible options. Now credit cards have grounded in daily life and become a useful tool for financial stability.

  • I need to borrow some money for bills desperately. Fast solutions, like credit cards or loans, will lead to even more debts. I don’t want to get into it and overpay. Besides, my credit history is not so good. Is there any solution for a person with no savings and emergency fund?

As a last resort, try to borrow money from friends and family. The closest people will understand your problems, ignore your bad credit and there won’t be any troubles with overpaying or risks. Of course, make sure you can pay the money back on time. Relations in the family and your reliability are on the line now.

7 Proven & Quick Ways to Get Money Fast

A lot of us today need fast help with money. Now, with no cash in a bank account and job perspectives, unemployed people cannot afford to repay loans. Borrowing itself is not always the best solution. Alternatively, try to find other sources of income by doing some simple job from time to time.

  • Householding. You don’t need to become an official employee and work by schedule. There are plenty of apps that show people who need some housework nearby. It varies from cleaning windows to the house renovation. Track the applications to find a good deal.

Employment in the service industry is rising every year. Americans are ready to pay someone to do the routine for them – drivers, cleaning companies, locksmith and electricians, babysitters, and dog walkers.

  • Mail delivery. Many people still subscribe to magazines and newspapers. Take your bike, go to a local post, and offer your service. Even teens earn this way.
  • Sell digital products. Casual practice for those who are engaged in art or digital sphere. Sell your photos on stock, draw the logos, illustration, and stickers. You won’t earn as much as professional designers, but small companies are often searching for cheap products. Today, when the business has turned to the Internet and companies develop their websites as fast as possible, you will find your customer.
  • Dog walkers. If you have experience in dealing with animals, it is a job for you. Try to cut a deal with several dogs’ owners and make money on walking in the park every day.
  • Babysitter. It is far more responsible and requires skills, but sometimes some experience would be enough. Not every parent can afford a professional babysitter but need several hours to work or have rest. Fill the applications on local websites and wait for offers.
  • Tutor. Tutoring is always demanded. Depending on your skills and education, you can do home tasks with small children, or help students preparing for exams. Also, try to do some jobs for them. Today, various writing services provide academic papers for schools and universities. So, why not try yourself as a writer? Choose the topic you are good at and try it out.
  • Gardening. It is not only about the workforce. Some house owners have no idea how to decorate their yards and where to start from. If you get the hang of how to grow plants and what conditions should be maintained, you can consult them. Otherwise, follow the instruction and do the manual job, like cleaning, planting, and uprooting.

The financial crisis is not the end of the world, although it makes us mobilize and resort to all our resources. In hard times, you have several strategies – borrow money to quickly overcome the troubles, try to facilitate your life with lifehacks for free money, or find a side hustle. 

Choose the strategy yourself, guided by your situation. Whatever you prefer, know all the consequences and possible hardships to get prepared and reach the best solution.

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