I've been there. It's hard to go
about your daily life with a positive attitude when your checking account is
overdrawn and you need to find a way to survive and feed your family until
payday.
The long-term solution to this
problem is budgeting and increasing your cash flow, I recommend that you
investigate side job opportunities.
However, when the account is
overdrawn and you need cash quickly, here are
some of my down and dirty tricks for raising cash quickly when you needed it yesterday. The following list is no particular order:
some of my down and dirty tricks for raising cash quickly when you needed it yesterday. The following list is no particular order:
Tip #1 - Sell your stuff to a Used
Book Store
Half Price Books has chains around the country. There are also regional bookstores that often offer the same service so you may want to call around. This is when you go around your house and gather all the books that you have in good condition, cd's (does anyone still have those?), DVD's and yes, they even take VHS tapes and box them up and take them to good old Half Price Books.
Half Price Books has chains around the country. There are also regional bookstores that often offer the same service so you may want to call around. This is when you go around your house and gather all the books that you have in good condition, cd's (does anyone still have those?), DVD's and yes, they even take VHS tapes and box them up and take them to good old Half Price Books.
You won't make a ton of money here,
but in the past I have averaged about $40 in cash for 4-5 boxes of merchandise.
When you are broke, that $40 can be stretched!
Tip #2 - Children's Consignment
Shops
If you have kids then you likely have toys, furniture and clothes that your kids have outgrown or plain old never used. While it's advantageous to sell these items on eBay or Craigslist, if you don't have the time and need the money today a good option is to take them to a consignment store.
If you have kids then you likely have toys, furniture and clothes that your kids have outgrown or plain old never used. While it's advantageous to sell these items on eBay or Craigslist, if you don't have the time and need the money today a good option is to take them to a consignment store.
Every store is different but most
will only pay cash for name brand clothing, big toy items like bikes, trikes,
dollhouses, etc. and furniture such as cribs and highchairs. Clean your items
up and call the store ahead of time to check on their policies and time-frames
for drop-offs.
You can often select a cash option
for these items and it's a good idea to pick up a little toy while you are
there so your child doesn't feel gipped...even though it's stuff they don't
need anymore! Maternity items also sell well.
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