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Step 1
Determine how much and how fast you need money. Prepare a budget and determine the total needed to satisfy budget shortfalls.
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Step 2
Inventory all of your resources (i.e., disposable assets and disposable income).
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Step 3
Reduce any and all expenses to the best extent possible. Look over your monthly budget and see which items aren’t necessary or which can be reduced. Most people spend money for items that they can reduce or eliminate.
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Step 4
Decide what you can sell or pawn and how much you can receive by doing so. Make a general list of your total assets. You may be able to get cash from turning in your paid-in insurance policies.
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Step 5
Pawn or sell items. One way to do this is to hold a yard sale. Recycling can pay off. Some companies pay for scrap metals, pallets, glass, used ink cartridges and cellular telephones, rubber tires, newspapers and possibly even your hair.
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Step 6
Get a job. Day labor and driving taxis are some fast ways to earn quick cash.
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Step 7
Adjust exemptions on your payroll deductions. By claiming more exemptions, you’ll get to keep more of your paycheck. Another way is to get advance payments on your IRS Earned Income Tax Credit (EITC) refund. This option is only available to EITC claimants with dependent qualifying children.
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Step 8
Donate blood unless doing so would violate your religious beliefs or if you have a physical condition preventing you from donating.
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Step 9
Register for clinical trials for which you qualify. Clinicians frequently offer to pay participants and provide free medication for different ailments. Some may offer to pay your travel expenses. A list of current clinical studies can be found at the Centerwatch website.
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Step 10
Post an ad(s) with auction websites, if you have something to sell. Try sites like eBay.com, Half.com and Amazon.com.
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Step 11
Sell your structured settlement to companies like J.G. Wentworth, although you’ll have to pay discount fees.
