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I Need Money Today! Now What?

By Edited Mar 12, 2016 0 1

Desperate times call for desperate measures. What are you to do when you find yourself in a situation where you almost want to scream "I need money today!"? There are literally thousands of reasons you may find yourself here through no fault of your own, but what should you do?

I always take the path of least resistance. I beg first by going to family and then humble myself to go to friends if need be. Yes, this solution is horrible, cruelly humiliating, but rarely will someone so close to us ask for interest, and you will sometimes get the befit of other forms of assistance they are willing to offer you. At any rate, other than the horrid humiliation of needing to beg, the long term repercussions are less than with procuring some other form of short term cash.

The next thing I do is look around for anything I can find to generate some cash. If you have purchases bought recently, and with cash that are still unused or unopened. You could always return them to the merchant for a refund. I also take in my recycling and look around the house for any money I may have stashed and then forgotten. Check pockets, purses, backpacks and the like to find hidden treasures.

If you have any items lying around that you don't mind parting with, post them on Craigslist for free and price them low enough that they will sell immediately. Video games, movies, music, and all kinds of stuff will be gone almost instantly if you price the items low enough that they will move. Just put "must go immediately, make offer" in your advert and you will get tons of responses.

Similarly, Craigslist is a good place to look for casual jobs and laborers needed today, for just a few hours and paid on the spot. If you are willing to work and get lucky, you may find something there. If there is nothing for today, you could also use this same method and couple it with getting a payday loan to get your cash today.

Most people don't know this, but there is a clause in the contract of payday loans that tells you how much interest you are paying daily. If you happen to pay off the loan the day after you take it, there will be only minimal interest. While I would rather borrow from a family member and then find some casual work to pay the loan off quickly, this may or may not always be an option. Be sure to ask how the interest works and the penalties for early payoff before you sign your contract if you go the payday loan route.

The main thing to understand is that you are not without options. You can use anyone of these suggestions, or any combination of them to raise the cash you need to get by. It is only a matter of knowing what to do when you find yourself in a situation that makes you want to scream I need money today!

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Comments

Jan 21, 2010 12:52am
1wiseblgr
creative. to me, the most dignified way is to always spend less than you earn so you will always be in control.
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