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Ways to come up with Cash

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  • Ways to come up with Cash

    Times are tough, here are some emergency ways to come up with cash.

    When You're in Dire Straits
    Late on rent? Loan shark breathing down your neck? Can't fill your car with gas to get to work on Monday? Assuming all available funds and traditional sources of credit are tapped out, here are 25 ways to raise cash in a few days. Keep in mind, while all of these ideas are legal, some of them are not something we would encourage.

    Start Your Own Part-Time
    Business From Home
    If you want to start a business, you don't have to invest much money to make money. Sometimes you can start a business with next to nothing. Jacob and Susan D'Aniello's pooper scooper business is now a multi-million dollar franchise called DoodyCalls. But in the beginning, it was just them, a bag and a shovel. You might also consider hiring yourself out as a dog walker, errand runner, driver or computer consultant.

    Take a Part-Time Job

    With most part-time jobs, it's probably going to be two weeks, at best, before you receive that first paycheck. When you need cash sooner than that, look for jobs that offer immediate money in your pocket, like one that includes tips. Bartending and waiting tables are two tried-and-true examples.

    Seek Emergency Assistance

    Many charities provide services and items that you would otherwise spend money on, freeing up some dollars to apply to your most pressing needs. Among the most common of these are food banks and open-dining opportunities, help or waiver of utility costs, and clothing and other household essentials.

    Make Stuff to Sell

    Think of the proverbial lemonade stand, but all grown up. When one WalletPop blogger is entirely broke, she'll get out her sewing machine and make her favorite quick project: stuffed geese (made out of thrifted fabric). They sell like crazy on Etsy, an online shop devoted to crafty vendors, and is her go-to plan when the well runs dry and she needs to bring in some quick cash.

    Rent Out Your 'Spot'

    If you own some prime parking real estate, you could put cash in your pocket and get more exercise by renting out your spot and parking further away. If access to your car is less convenient, perhaps you'll even drive less, saving money on gas, too.

    Sell Stuff on Craigslist

    A good alternative to the yard sale is to make use of Craigslist, a great internet site for buying and selling almost anything legal -- furniture, bicycles, musical equipment, housewares, art, and whatever. Over 40 million people use it every month. It's free and localized, so there is typically no shipping involved.

    Do Odd Jobs

    Babysitters earn upwards of $10 an hour these days. Offer to sit for friends' kids on Friday or Saturday night. The parents will be only too happy to hand you cash when they return! One complaint of young males is that nobody is likely to hire them to watch their kids. An alternative is to offer to wash cars, mow lawns, weed backyards or haul crap out of the garage, instead.

    Collect Your Change

    If you are like most Americans, there is hidden cash throughout your home. It may be underneath your sofa cushions, in little jars or piggy banks, but there is bound to be bounties of pennies, nickels, dimes and quarters just waiting for you to unearth them. You may be surprised how much you find and how much all that "small change" is worth

    Return Past Purchases

    Taking recently purchased items back for cash is really one of the most efficient ways of making quick cash. Not only are you typically able to get your full purchase price back if you have a receipt, but you'll reduce your stuff and pay penance for your spending habit, too.

    Hold a Yard Sale

    If you have furniture, electronics, children's items, sports equipment, jewelry, collectibles (in other words, the usual hodgepodge of clutter that most of us once thought we needed to buy), then a yard sale may help you raise some money fast.

    Recycle Scrap Metal

    One way you can get some quick cash is to sell scrap metal to your local salvage yard or recycling center. One WalletPop blogger's co-worker bought a used camper for just over $600 and took his old one to get scrapped. The scrap value of his camper almost paid for his new camper purchase

    Become a Temp

    If you show up to work on time, take reasonably short lunch breaks, don't leave too early, and demonstrate even the slightest amount of energy and initiative, chances are that your employers will view you as a God-send. In many cases, they will even offer you permanent employment. And temp jobs can pay really well.

    Sign Up for Medical Tests

    Perhaps your path to wealth is as a medical guinea pig. The University of Washington is paying $250 to participants in a study. The National Institutes of Health has 300 studies that need volunteers. Rochester Clinical Research is looking for volunteers to test an Avian Flu vaccine.

    Take in a Boarder

    Sharing living expenses can put more cash in your pocket. However, if you ask someone to move into your spare room -- or onto your couch -- draw up a lease agreement, even/especially if your prospective boarder is someone you know.

    Tap Your Life Insurance

    If you have whole life (a type of insurance you buy to last your "whole" life and your heirs get the payout even if you live to 104), you pay higher premiums, but the insurance has a "cash value" that you can tap any time. All you have to do is call your life insurance company to access the money.

    Get a Payday Loan

    If you're responsible with your money and know that you're facing less than two weeks of a cash shortfall, borrowing $300 today in return for repaying $345 in two weeks may be a good idea. If you're the sort of person who has a continual spending or money management problem, this is the dumbest thing you could possibly do.

    Raid Your IRA

    If you need quick cash, your retirement savings can look like a great place to find the lump sum you need, but tread carefully. There are lots of rules and if you don't qualify for an eligible withdrawal you'll have to pay a 10% penalty plus taxes on the money at your current income tax rate.

    Pawn Your Stuff

    Pawnshops work like this: you offer up your prized possessions as collateral on a loan; in most cases, the loan will be about 10% of the actual value of your item. At this point, you have three choices: redeem the loan, pay interest to keep the loan alive, or let it lapse and forfeit your goodie.

    Sell Some Body Parts
    Well, not body parts, as in a kidney or lung, we're talking more of the replaceable (and legally sold) kind like plasma and hair. In most larger cities, there are clinics that will pay you up to $35 or so for some of your plasma, which you can donate twice a week. Sales for generous lengths of tresses reportedly can net you several hundred to over a thousand dollars.

    Bank on Your Sperm

    Advertised sperm donation rates vary from $1 to $200 per week; most donors can expect somewhere around $40 per donation. It does, however, require a six-month or greater commitment, and no "liberation" of sperm when you're off the clock.

    Sell Stuff to Motorists

    Roadside sales can pull in some quick cash. Pick high-profit items that aren't highly perishable and/or have a high cost/sale price ratio: cold soda, corn, baked goods, flowers.

    Scalp Tickets (Legally)

    So you're broke, and it suddenly occurs to you that you are sitting on concert tickets to Hannah Montana. If the water dept. is threatening to cut you off for non-payment, scalping those tickets could save you from a dirty, smelly fate

    Go Scavenging

    100,000 homeless can't be wrong! In states that require a deposit, 50 cans could bring you $2.50 or more. As scrap, 32 cans make a pound, worth 70 cents. Grab a shopping cart and go hunting! If you live near a beach, another treasure-hunting option is to use a metal detector to look for coins or other valuable items just below the sand's surface.

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  • #2
    Watching you expenses typically yields a longer term solution to the "no money" problem. Think about this. If you only had 1000 in expenses a month including food/gas etc and you made 1500 you would be in a sense "rich". Obviously this is for illustration purposes only. Some ideas though.

    You probably don't need cable/satellite TV and high speed internet for $100 or more a month.
    You probably don't need to eat out at all. ( you would be surprised how much this cuts in)
    Plant some veges to cut down the food bill
    Get your car insurance rates lowered. (call and ask you would be surprised)
    Raise your deductibles on your insurance (unless you are chronic or at high risk)
    Turn the air up and turn off the lights
    Check your cell phone usage
    Stop driving like an ass and save some gas (you know who you are!!) :D

    Just some ideas. YMMV

    When I was younger and had NO money I was the worst offender of them all. Spending and living way outside my means. Now that I don't have money worries the habits stayed and have only helped. You would be amazed at what you spend on stuff that isn't necessary. Take your bank statement this month and circle the things that you didn't need.
    Μολὼν λαβέ

    "The founding fathers made the right to bear arms the second amendment for a reason. It's the one that protects all your other freedoms, which aren't worth the parchment they're printed on if you don't have the means to defend them." Penn Jillette

    Those who would give up Essential Liberty to purchase a little Temporary Safety, deserve neither Liberty nor Safety.
    Benjamin Franklin


    • #3
      I've done a lot of those things above (no sperm donations, boarders, or Hannah Montana ticket scalping, though.)

      Other possibilities for spare cash are: Mystery Shopping (the Web is filled with Mystery Shopping firms that hire them,) Taking Surveys, Merchandising, and doing handy-man work for the landlord, friends, and neighbors. I've done all of these too.
      "Apocalypse is by no means inevitable." --Jim Rice.


      • #4
        I am doing the "Make Things to Sell" and am doing pretty good. It works of you put what you are making in front of people who have an interest in the product. A booth at a flea market, fair (county or regional specialty) or craft show is one way to go.


        • #5
          I came into work today.....I do own the company...but I offered it to one of my guys first and he turned it down.

          It was a cash job....repaired a horse trailer....took me 3 hours and they supplies material....made $450.

          I also make dinner bells......steel targets.....plant hangers......bird feeder hangers....all kinds of stuff. I do this during down time out of "drop" or left over material. The ones that sell great are the fire place sets....:)

          I have a guy at the farmers market...that sells for me. I tell him what I have to have out of it....and if he can make more (and he does)....that's his take.

          I also do CCW don't have to do the NRA class.....just be an NRA certified instructor....I am....and The class I do only last for 3.5 hours. I charge $45 a head.

          Just this past Friday...I had a class after work for a bunch of guys that work in the same complex my shop is in......I just took the money and bought supplies...I posted in "what did you do today to prep" thread.

          Live like you'll die tomorrow, learn like you'll live forever.


          • #6
            Here are some ideas I came up with a few years ago when I was looking for something to do.
            (You will need to check the legalities in your area for some of them)
            (bartering/trading some of the goods/services would probably be better than getting cash – Informal rides, for instance)

            Some of them are dependent on the specific skills I had at the time, but they might spark some ideas.

            Services run from home (need no work area except phone & computer)

            Sell plasma
            House/apartment/condo/vacation home/houseboat/yacht sitting/caretaking
            Lawn watering: turn on/off at night, and/or move sprinklers when needed
            Yard work & gardening: tree trimming, grass cutting, garden tilling, planting, weeding, hedge trimming, edge trimming, yard sitting
            Pet care services: sitting, walking, feeding/watering, grooming
            Photography service: portraits, special events
            Companionship service: elderly, disabled, special needs: talk, read to, help w/hobby, etc (probably paid by relatives)
            Messenger service
            Bank messenger: money/papers transfers for businesses
            Errand service: grocery delivery, laundry pick up, shopping, etc
            Business lunch delivery service: prepare food or arrange w/restaurant
            Commercial building window washing service (also for homes but need ads)
            Flower subscription service: pick up & deliver fresh flowers to businesses
            Security service
            Telephone stenographer
            Placement service
            Write a small town newspaper column
            Appliance repair: small & large kitchen appliances, Home electronics, HVAC
            Perform: sing, play instrument, juggling, magic
            List broker
            • travel local area, note everything, compile lists & sell to businesses
            o need: roof, siding, painting, lawn mowing, tree trimming, etc;
            o own: boat, RV, dog, cat, old car, etc;
            o event occurring: graduation, marriage, birth, moving out/moving in, etc;
            • any visible or researchable need for a service or possible sale

            In-home operations/businesses (need work/storage areas)

            Catalog/internet order/receiving service: order items for people that don’t have credit card or want to remain anonymous
            Assembly service for catalog/internet ordered items that come unassembled
            Knife sharpening service
            Gift basket service (standard items or custom creation & delivery)
            Romance catering service
            Clothes washing & drying (clothesline hanging for freshness extra)
            Sewing & clothing repair: alterations, mending, custom made, hand work
            Dishwashing (for caterers or after parties, or in clients’ home for lazies)
            Other house work: window washing, floor care, carpet vacuuming, carpet shampooing, dusting
            Firewood/log splitting/newspaper logs (delivery & stacking available)
            Make and/or teach arts and crafts that you know
            Auto services: Jump starts/emergency services, oil change/tune-ups/maintenance, wash/wax/detail
            Light carpentry services: construct wooden fences, build bookcases, repair/refinish/upholster furniture
            Home repair/Maintenance: painting, insulation installation, minor fix-up, wall papering
            Do berry picking, garden produce picking, hunt/fish
            Do office work at home or on-site: typing, word processing, data entry, book keeping
            Make lamps
            Make walking canes
            Make candles
            Make sundials
            Make fancy perpetual calendars
            Make fancy Solitaire card game boards
            Make fancy board game holders/layouts
            Make fancy game sets (chess/backgammon/etc)
            Make/build-in secret compartments
            Make fancy boxes/boxes with hidden compartments (also hide-a-books)
            Make scarecrow kits

            Services run from home (need some product/equipment storage space)

            Closet organizing service
            Karaoke service
            Searchlight service (mounted on vehicle/trailer w/generator)
            PA service w/unique vehicle/PA equipment rental (can tow searchlight)
            Mobile billboard trailers
            Mobile electric scrolling signs
            Outdoor party truck/mobile disco (has food service equip & sound system)
            Utility pick-up: moving & hauling furniture, trash, garden supplies
            • QD mount snow plow
            • QD mount deicer pellet spreader
            • winch
            • tilt PU bed w/bedliner
            • lift tailgate
            • swing arm hoist
            • platform hitch
            o QD equalizer arms & brackets
            o set of different size hitch balls on inserts
            o set of different light connections & adapters
            Construction site services support trailer
            • chemical toilets
            • lockers
            • showers w/change rooms
            • water storage tank
            • water pump & pressure tank
            • grey water tank
            • hot water heater w/solar collectors
            • space heater
            • propane tank
            • generator/power input panel
            Limo service
            Informal rides (probably barter only)
            Vacation property maintenance
            Rickshaw service (bike & hand pulled for use at holiday events or tours)
            Scrap collection & sale
            Salvage buildings slated for demolition
            • w/consent of owner/demolition company
            • scrap, useable items & collectables
            • obtain & keep lists of wants of antique/curiosities/collectables dealers
            Own/place/service video games/vending machines
            Teach/supervise plumbing repair for home owners (specialty tools supplied)
            Teach/supervise electrical repair for home owners (specialty tools supplied)
            Teach/supervise carpentry work for home owners (specialty tools supplied)

            Operations/businesses when rural property is available

            Honey production
            Chicken & egg production
            Rental garden plots/self-pick garden
            Target range/ammunition reloading equipment & supplies

            Reunion hall/business retreat/meeting facilities
            Survival retreat area/facilities
            Jerry D Young


            • #7
              Which of these did you do Jerry?
              Live like you'll die tomorrow, learn like you'll live forever.


              • #8
                Remember ammo has never been worth nothing, it's like money in the bank!!
                You don't have to be perfect, but you better be smart!!!


                • #9
                  When inport I stock shelves on the side and I have a few live traps and do a little rodent removal (under the table) sharpen knifes and fix things people throw out in navy housing for example vacuum cleaners sewing machines and dryers bikes (dont make a lot of money mostly just give away to those who cant afford it themselves)


                  • #10
                    Did some appliance repair, used the truck for mostly delivery of things people couldn't get into their cars, made scanner radio antennas, some scrap collection, and teaching/coaching light home repairs like plumbing, light carpentry, and home electric, and for a short time I was consultant for home emergency preparedness. Had an FFL so I did some ammunition sales, by appointment, out of a small building on the house lot. Finally took a job as a watchman out in the oil patch, then got into mining here in Nevada.

                    It was some tough times, because the reason I had to give up plumbing for a living was my health. Some of the things I came up with were just to difficult for me to physically do. But I considered all of them.
                    Jerry D Young


                    • #11
                      I make my extra cash betting on sports,
                      sometimes I lose my extra cash too.


                      • #12
                        Last under the table job I did was chink someones cabin out in the Black Hills. And I make a few bucks off the internet with affiliate marketing, but I ain't giving up my day job for awhile...