11. Cautiously get a credit card
Caution is the magic word here. This is not saying you should get a credit card and head out on a shopping spree. The point is to get a credit card to benefit from deals and signing bonuses.
Depending on the company, signup bonuses can go all the way up to $150. This kind of money can be very helpful as a once-off thing, but you have to be careful with your spending. No one needs a bad credit score in their life.
Some credit cards even offer you cash back on the purchases you make with them. The Chase Freedom Unlimited card offers this and a tasty little something extra. If you spend $500 in the first 3 months you have the card, they will give you another $150 bonus. You’ll obviously need to repay the money you spent, but an extra $150 could always come in handy.
10. Try your luck
No, we’re not telling you to play the lotto. Yes, people have won, but the odds are astronomical at best. At worst, you’ll wind up spending money you don’t have on money you’ll never see. Just don’t do it.
But, there are ways that you can test your luck without having to fork out any cash. The following method should not be relied upon, as it does depend on luck and you have no guarantee. The odds of winning big are slim, but at least you won’t lose any money trying.
It can offer extra cash if the stars are shining down upon you. There’s always room for money, so it doesn’t hurt to give it a try. It is free, after all.
Download apps like Lucktastic. There are competitions, games and scratch cards. All of which are free thanks to a mass amount of advertising on the apps. The chances of getting rich via this channel are slim, but there’s no harm in trying. Who knows what could happen?
9. Your opinion counts, kind of…
Ever heard of market research? It’s research done by companies and individuals who are interested in knowing about consumer responses to just about everything. Why is this important? Because there are websites you can visit where you can actually earn money simply by completing surveys.
There is not a lot of money involved, but if you put in enough time, the small bits do add up. Most of these sites work on a points system.
Fill in enough surveys and collect points, and you will eventually have money in your PayPal account. The great thing about these surveys is that they are relatively effortless. They do not require an ample amount of brainpower, just a little bit of your time.
In order to supplement your disposable income in a noticeable way with these surveys, you’ll need to devote at least a couple of minutes every day. A couple of dollars a week, while welcome, won’t really going to put a huge dent in your expenses.
8. Work with animals
Who doesn’t love playing with puppers and doggos? This tip is for people who absolutely love animals. Who would cherish the idea of spending a couple of hours with loving animals, even without money involved? Luckily for you, there are ways to actually get paid to spend time with animals.
Pet-sitting can end up as quite the lucrative side job if you market yourself properly. To start off, you can offer your services to friends and family. If you’re looking to expand your customer base, it might be a good idea to head online and sign up with a couple of pet-sitting sites.
There are also varying options that allow you to put together a profile online which will allow pet owners to come to you. The more experience you rake up, the more you can charge for your services.
7. Chores are not only for kids
When you finally became a young adult, you were probably thrilled that you no longer had to do chores at your parents’ home. If you’re low on cash and still need to pay rent, you might want to break out the old gardening gloves.
It probably wouldn’t be the best idea to go door to door asking people to pay you to wash their dishes, but if you hop onto Craigslist, you might find a couple of gigs that put cash in your pocket.
These types of jobs can be found under the “gigs” section of Craig’s list. They can range from anything like helping a person clear out their garage to mowing the lawn.
These jobs do not pay a lot, but they are generally not difficult and can be done over the weekend. There should be no shame in doing these jobs. It is honest work for honest cash.
6. Get rid of all those DVD’s lying around
Honestly, who watches DVD’s anymore? Better yet, who even owns a DVD player? Most houses have a stockpile of media-related paraphernalia they kind of just leave lying around. Maybe they are waiting for a resurgence, or maybe they think DVD’s will actually be worth something one day.
It’s not entirely impossible, but the chances of getting rich off your DVD collection is incredibly slim. If you’re in a pinch, it’s probably better to get rid of them now for extra cash rather than hold onto them for no reason.
There are a couple of stores that would be willing to take those DVD’s and/or CD’s off your hands for a small price. They won’t pay a lot. But if you have a sizeable enough collection, you may be able to bridge the gap at the end of the month. This is clearly only a once-off option.
5. Slim down your wardrobe
Everyone has clothes they don’t wear any more. There are always a couple of items that hang around in the back of the closet. Every time we clean our closets, we convincing ourselves the right occasion might finally arise to wear that darling sweater.
If you’re really honest with yourself, you know you’re never going to wear it. If you were going to put it on, then you would have done so already.
When money is tight, you need to make the hard choices. March right up to your closet and go through all your clothing. Be honest with yourself and ask whether you have worn it in the past year.
If not, then it’s time to give it away or sell it. Clothes in good condition can be sold on a couple of apps and websites. You won’t get what you paid for them, but you could make a couple of bucks depending on the item and style.
4. Let go of those gift cards
Gift cards live in a weird limbo. They are given when a person doesn’t actually know what kind of gift to give. You’re happy when you get them because at least you can buy something you actually want. More often than not, though, those gift cards wind up taking up space in your wallet or a drawer somewhere.
You might think regifting them is the best possible use. But, they can actually be resold for cold, hard cash. Where can one do this? Online, obviously.
You can do everything online, including selling old gift cards. Raise and LetGo are good places to start. Keep in mind that cards cannot already be expired or near their expiration date.
You will not always get the exact price of the balance. But you didn’t spend the money, so this shouldn’t be too big an issue.
This is clearly only an option for people who like children and babies. If you can’t stand the noise or the mess, it’s probably best to avoid these kinds of jobs. If you love children and are talented at keeping them entertained, this could be a good opportunity to earn some extra cash.
A bonus is that this job can be quite sustainable if you’re good at what you do. People always need babysitters, and they could be paying you instead of all those high school and college kids vying for the same job.
Because watching children is a very important job, you can actually earn quite a bit of money. This is especially true if you’re an adult. People will assume you will do a better job than a teenager.
If you can’t think of a place to start, as with almost everything else, head online. There are forums and websites aplenty.
2. Sell your books
This point is similar to the DVD and clothes suggestion. Selling your possessions to make ends meet may feel a bit degrading. It might make you feel like you are in dire straits. But everybody has a rough stretch at some point; it’s just the way the world works.
Don’t be ashamed of yourself. Approach it as an opportunity to declutter your home. We all have a lot of nonsense lying around that could be of more use to someone else.
When it comes to books, you won’t get anything close to what you paid for them. But, if your collection is sizeable and of good quality, settling them may be worth it.
The best place to start is a local bookstore. They may be willing to take those books off your hands. If that doesn’t work, try the internet. There are a couple of buyback options to investigate. Doing this online can sometimes wind up being a lengthy process, but it could get you that much closer to the end of the month.
1. When all else fails
Maybe you have reached the end of this list and you still just don’t have enough money. Maybe you’re out of time and can’t fall back on any of the options we suggested. This is the time to suck up your pride and ask a loved one for help.
This may be a humiliating experience. Yes, you are probably a fully self-sufficient adult who shouldn’t be asking your parents for money. Life happens to the best of us, though. There are times when you have no choice but to ask someone to lend you money.
This should obviously not become a habit and should only be done if you’re out of options. But, it should not be ruled out as an option all together. It’s better to ask for money than get kicked out of your place and have to move back home, right? If you are going to borrow money this month, you should approach next month as an opportunity to do better.