Sometimes, no matter how hard we try, we can’t get our money to stretch far enough, especially when an emergency situation comes along. We have all been there haven’t we? The washing machine breaks, we have to call an emergency plumber to deal with an unexpected leak, there’s an issue with the car. Life throws curve balls all the time and sometimes we need emergency money and we need it fast. Sadly, it’s not always possible to have an emergency stash of cash, sat there, waiting for moments like this.
You shouldn’t beat yourself up if you haven’t got emergency cash sat there, ready for unexpected moments. The UK is dealing with a cost of living crisis at the moment and just about everybody is struggling to make ends meet. Everything has gone up in price, electricity is costing a fortune and food has gone up as well.
What To Do When You Need Emergency Money
We have established that anybody can be in a position where they need extra money in a hurry.
So what should you do when something goes wrong and you need cash quick? Here are some ideas:
1) Chase Any Cash That You’re Owed
If you need emergency money then now is the time to chase any money that you are owed. Think about friends and family members that potentially owe you money, your workplace, or from within your business.
Having a conversation with your friends and family about the money they owe you can be awkward, but if you have a large bill to pay then now is not the time to get shy about being owed money. You can use that large bill or expense to start the conversation too. For example, you could say: “I’ve got a car repair bill and would really appreciate that money back so that I can pay it. My banking details are…”
It is also worth thinking about whether your workplace owes you any money. Now is the time to submit your expenses! Or to chase them with HR.
If you run your own business or have side hustles then make sure your clients have paid their invoices to you and withdraw any earnings in places like survey websites.
2) Use Your Savings
Most of us need money in an emergency might not have access to savings, but if you do and you can withdraw them without a financial penalty then definitely consider doing this. We know this can be disheartening, as nobody likes to chip into money that they’ve saved, but if you need it then now is the time.
You can make replenishing your savings a priority once you are back on your feet.
3) Sell Unwanted Items
Selling your unwanted items, especially somewhere like Facebook Marketplace or Gumtree, where a buyer can collect quickly, is a great way to get some emergency cash together.
You don’t always have to sell big-ticket items to make decent money. Small sales here and there add up and there’s a market for virtually everything.
If you don’t need the money immediately then you can also list your unwanted items for sale on eBay and other online platforms such as Vinted and Depop.
4) Cash In Coins
If you have been saving your coins and spare change then now is the time to cash them in.
You can take them to a bank or Post Office and cash them in for free. that way, you will avoid paying Coinstar fees.
5) Ask Friends And Family For A Loan
If you are fortunate to be in a position to borrow money from friends and family then now might be the time to ask for that loan.
In doing so, it’s only fair to arrange your repayment plan. Make sure that that your plan is realistic and, more importantly, stick to it. Or, at the very least, keep the lender up to date with any changes to your circumstances that might impact your repayments.
6) Offer Your Services
Whether it is cutting someone’s grass or offering them help with their social media, let people know that you have services to offer and see how much money you can raise.
Some ideas for the services that you can offer include:
- Cutting grass
- Weeding
- Other gardening jobs
- Window cleaning
- House cleaning
- Babysitting
- Dog sitting
- Cat sitting
- Dog walking
- House sitting
- Bookkeeping
- General admin tasks
- Social media help
- Website building
- Creating digital products
- Writing articles
Even if you aren’t interested in taking on long-term clients this can really help you out when you need emergency money.
7) Use A Credit Card
Although it would be great to avoid having to take on debt, sometimes using a credit card can give you a little bit of breathing room.
Credit cards can offer you up to 56 days of no interest for your purchases, depending on when your transaction takes place and when your bill is due.
If you pay off your credit card in full when the payment is due then you won’t pay any interest. Sometimes this breathing room is all you need to get through a financial sticky patch.
8) Take Out A Loan
Taking out a loan when you need emergency money should be a last resort, as it could mean that you are making payments for years to come.
If you do need to consider taking out a loan, then look for the best deal for your circumstances. You should take into account the interest rate and length of the loan.
I hope these ideas will help you out when you need money in an emergency.
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