Business

8 Ways To Obtain Quick Cash

By: Raymond James

About the Author:

Ray is a sought after thought leader and an expert in financial and money management. He has been published and featured in over 50 leading sites and aims to contribute articles to help novice financial planners. One of his goals is to impart his knowledge in finance to educate and help ordinary people create and achieve their financial goals

Finding ways to make money fast is often the top priority for people who find themselves in a tough spot. Whether it’s because of mounting bills,  or some other financial emergency,. below are  eight ways to get cash quickly.

1. Sell Something You No Longer Use

It is easier than ever to sell personal items online like some old books, clothes or shoes. There are a lot of people scouring the web for a good deal of used items. Someone’s junk is another one’s treasure as they say. Consider the potential of selling your unused things to someone who might truly appreciate and use it.

2. Personal Loans

One option is getting a personal loan from reputable and trustworthy online lenders. Although you can always ask your friends or family to lend you money that might be a last resort. It is easier than ever to find credible lenders online. Visit Rapid Loans to learn more about personal loans.

3. Daily Payment Work

Although working at a fast-food restaurant or retail store may not be part of your career plans, picking up some extra hours at one of  these establishments, even for a short time, can help pay your bills. During this time, you can often find jobs that give you a steady paycheck without needing to dedicate a lot of time to training.

4. Ask for Forbearance on Bills

Talk to your creditors if you are behind on your bills and can’t afford to catch up on payments. Explain to them why you were unable to pay and ask for some time to pay them back. They may be willing to defer a payment or two as long as you show that you’re making an effort.

5. Request a Payroll Advance

If you work for a company, check with your supervisor about getting a small advance on your next paycheck. They may be able to assist.

6. Borrow Against Life Insurance

If you own life insurance, have a will, or have left your home to someone in your will, consider borrowing against your policy. You may be able to use the cash value as collateral to obtain a loan from a bank, credit union, or another lender. Make sure to do your research to ensure you are aware of the terms and conditions of your policy.

7. Use a Credit Card Cash Advance

If you are late on a credit card payment, call your credit card company and ask if they will extend the time the interest charges accrue while you pay off the balance. Then ask for an advance on your next payment.

8. Cut Your Insurance Premiums

You might be paying too high a premium for your home, car, or health insurance. Call your insurance agent and see if you can get a lower or less expensive policy. Take advantage of the plan that gives you the greatest benefit for the lowest cost.

If you need money fast, a mix of these financial tips could help you get the cash you need.

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