How to get money fast without a loan

by Kylie on January 29, 2013

How can you get money now? You’ve got a bigger than expected bill or your car tyres just blew or something happened and now you need an extra $500. How can you possibly find it?

Having been in this situation myself before, I know a few ways you can find or make money quickly.

Look for lost or forgotten money

Survey sites - Are you a member of any survey or mystery shopping sites? Check if you have money sitting there waiting to be cashed out. Some take weeks, others I have been paid within a few days.

Medical rebates – Is there a claim you could process from health insurance? Medical receipts you could take to Medicare to get a rebate from? Have you checked all government rebates to ensure you are getting all you are eligible for?

Nooks and crannies – Clean out everything and everywhere such as behind the fridge, under the lounge and between the cushions, in the car etc. Coins often roll under and get lost.

Bank accounts – Do you have any forgotten bank accounts? Forgotten superannuation or anything financial? While super you cannot usually access until retirement age, if it is under a certain amount you can get it paid out in cash, but you will be taxed.

Get money back
Does anyone owe you money? – Now is a good time to ask for it back, if they can’t pay it all right now, set up a payment plan. It is also a good idea not to lend unless you can afford to lose that money altogether.

Return items – If you have receipts you may be able to return recent purchases to the store if they have not been used and still have their tags attached. Only do this if the purchases are not necessities/will not cost you more to buy in the future.

Make money
Sell your stuff – This is the first one everyone thinks of generally because many people have excess stuff. You could try eBay, it will take a week or two to get your money, but you usually get a decent price. You could have a garage sale, list items on Gumtree or Facebook or check out my 10 ways to sell your items.

Services – Are there any services such as ironing, baby sitting, cleaning out gutters, washing windows, lawn mowing, paint numbers on driveways or wheelie bins, cleaning, cooking, odd jobs such as grocery shopping, mending or anything you could offer to others? Put an ad in Gumtree, do a letter box drop, flyers on noticeboards or even go door to door. The more dirty the job the more likely someone is to pay you to do it.

Sell other people’s stuff – Much like selling your own, just charge a fee to sell on behalf of others. They can drop stuff off to you to sell or you pick it up. You can charge per hour, a percentage of the sale or per item.

Boarder – If you financial situation is going to be tight for a little while, you might want to consider getting in a boarder if you have the room. Check this post before you do it!

Rent space – Along similar lines to a boarder you could rent out your driveway, garage or attic, even your garden. People have boats and caravans they want to store, some people want to have a little garden plot and others only have a few things they want to store, so don’t want to pay for a storage unit and you could offer cheaper prices. Check out this post for more ideas to make money from your house and property.

Your body – If you have really long hair you could possibly sell it, although it can be tricky. There are ads every now and then for medial trials and it doesn’t always require you to actually test product, or if you live in the USA you can get paid to donate blood (not in Australia, but please donate blood anyway because not everyone can and it saves lives!). There is modeling, movie and TV extra’s or busking if you are skilled.

Lastly…

PLAN! That’s right, get a budget, decrease your expenses, increase your income on a permanent basis and save so you are never in this situation again. Emergencies happen, life can throw massive curveballs, but the better prepared you are, the less stress you will have and the more cash in your account.

What do you do when you need to make money fast?

You might also like:
15 ways to make money this week
Make more money
How to find more money without cutting expenses
Top 10 ways I have made money from home

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{ 8 comments… read them below or add one }

krantcents January 29, 2013 at 8:14 am

I was seriously thinking of doing commercials when I am in my eighties. They always need old people in those commercials for “certain” products.
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Kylie January 29, 2013 at 8:31 pm

lol, they do always need older people for certain things! You should do it.

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jefferson @SeeDebtRun January 30, 2013 at 4:32 am

in the months that we need to scramble for money.. we often hit up the survey/focus group sites and/or sell on ebay or craigslist..
jefferson @SeeDebtRun recently posted..What if You Fell Off the Roof?My Profile

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Brick By Brick Investing | Marvin January 30, 2013 at 7:14 am

I love your last suggestion. Whenever we’re in a bind like this we dip into our limited emergency fund. However, our situation is different than most, we usually just put the cost on our credit card and pay it off the next month.
Brick By Brick Investing | Marvin recently posted..How To Use Bear Put SpreadsMy Profile

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Squirrelers January 30, 2013 at 12:31 pm

People can be resourceful to get money quickly, and it’s often more possible than meets the eye. One more way, here in the U.S. anyway, is to check to make sure you have any unclaimed money. I’ve seen this at the state level, where you can search. I actually found a few hundred dollars that had probably been sitting around for a decade! Now, the next step is of course to get it, which might vary in length of time.
Squirrelers recently posted..If You Plan to Work Until Old Age, Change Your PlanMy Profile

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Eileen February 1, 2013 at 12:25 pm

Random money saving Tips:
I would advise not to promote iselect as these sites only compare companies that PAY to have comparisons made! There may be cheaper companies that DON’T pay, that could be included, rendering a different outcome.

Do your own probate……….it takes about three weeks after lodgement (with straight forward wills). My neighbour was astounded when I downloaded the paperwork, filled it online and printed it off. Did the checklist of documents required and off she went to lodge it. It took three weeks!

Store hot water at a lower temperature, safer and cheaper (and less cold is required when using).

Namaste is an excellent charity, good on you. I saw a documentary on this and donated straight away, what woman wants to live like that, shunned from society!

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Kylie February 2, 2013 at 6:58 pm

Thanks everyone for your extra suggestions. It is amazing what we can come up with and what helps when we need it.
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best loan offers May 5, 2013 at 1:14 am

I am regular reader, how are you everybody? This content posted at this web site is actually
good.
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