If you’re struggling to make ends meet, you might consider going to a loan shark or taking out a payday loan. I beg you, please don’t. Even in the harshest of times, the answer isn’t even more debt. Once you start with a loan that has a huge interest attached to it, the hole you’re in will simply get deeper and deeper. Take a look at some of these ideas of how to get money now and how to find help for the root of your problem too.
Sell Your Stuff
There are loads of ways to sell things that you own today. You could list them on Facebook marketplace, you could take them to a pawn shop, you could visit an antiques dealer if you have anything particularly niche. You might not want to part with a family heirloom but I’m fairly sure your family wouldn’t want you to be kicked out on the street holding the heirloom. The stats say that the average person has £700 of stuff we don’t use. Even if that’s not you and you have very little, if you can make do without it and flog it, you can get money now which might just help give you a few more days to pay the bills.
Take On More Work
Are you able to take on more work. A lot of us have spare time we spend scrolling through our phones which doesn’t really do us much good. How about using that time for something more productive, like an extra job? Could you become a delivery driver for a takeaway for a couple of hours a few times a week? Can you use your skills to create a side hustle and sell things on crafting websites? Or to the local community?
Ask Friends & Family
I’ve written before about not borrowing money from your family and friends. It can often drive a wedge between loved ones. I’m pretty sure they’d rather loan you some cash if you’re in a tricky situation though, instead of you going into more debt. Write out a contract though and make sure you both sign it. Whilst they might not add on interest like a loan company, you want to make sure everything is prim and proper and everyone is covered. Ensure you keep up payments back to them and pay it off in full to retain their trust.
Find Help
There is a lot of help out there. Organisations like CAP UK and Step Change can offer advice and help you implement changes. This could be to pay, manage or write off your debt. You need professional help in this situation, these are the people to go to. Don’t pay more money for help when there is amazing help from organisations like this for free. You just need to ask.
Avoid these pay day loan companies because it won’t make your situation better. If you use some of these ideas about how to get money now, you’ll hopefully be able to pay what you owe. Check your trouser pockets for any cash along with old wallets, drawers and any bank accounts you may have forgotten you had. Please also consider talking to the organisations mentioned too. They can really help!
