Have you been in such a situation?
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Making extra money can be a real challenge, especially if you need to fit work around the school run, the demands of toddlers, or caring for elderly parents. Maybe you already have a job but are still struggling to make ends meet. Whether you have no qualifications, little time or cannot afford to re-train, there are still ways you can make money.
Tuition and Services
Firstly take a good look at what skills you have to offer. Maybe you can play the piano, speak Spanish or make fantastic birthday cakes. Make money out of these talents. You could set up as a private tutor of academic subjects or provide a service to others, such as gardening, dress-making or dog-walking. There’s often a need for cleaners or ironing services in wealthy neighborhoods. Focus on your strengths and realise that just because you find something easy, such as listing things to sell on Ebay, doesn’t mean that everyone else does.
Home-sitting, often combined with simple gardening duties and pet-sitting, is becoming more popular while people are on holiday. It gives the home-owner peace of mind to know they won’t come back to a bust pipe or a burglary and also means they won’t have to foot the bill for catteries and kennels.
Still in the home: if you own your own place, see if you can make some money out of it. Becoming a host family for an overseas student is one way to do this; you get paid to take them in and feed them as part of the family. Alternatively, you might consider taking in a lodger or flatmate. Unique and eye-catching homes and even very ordinary ones can be rented out as a film or TV location. Even just a garage left in its original state, with the usual tools, tins, and a Triumph motorbike inside could have just the right atmosphere. It helps to have parking for film equipment lorries (which are the size of removal vans) and good access and transport links, ‘though. You could also rent out your workshop or garage to artists and craftspeople seeking places to work, and, if you have a driveway or designated parking space, there are commuters that would be prepared to rent it off you for their vehicle.
Garages and attics can often hoard items we no longer need or have space for, yet many of us find it hard to throw things away. Just as biting the bullet and taking control of your finances can be a real relief, de-cluttering your home and dealing with the wealth of junk and unwanted good can be quite liberating. In terms of making money, there is the ubiquitous yard sale or table-top sale, but there are also numerous online auctions and car boot sales. Ebay is of course the most famous one, but, if you are selling certain items, particularly books, you may find you get better prices on Amazon.
There are a number of websites which will take your old or unwanted mobile phone, satnav, printer cartridges etc, and give you cash or vouchers, but there can be a big difference in what they offer, whether postage is free and so on, so it is worth comparing several sites before you post off your phone. Similarly, old CDs, DVDs, books and games can be turned into cash via websites such as Zapper and Musicmagpie, but you often need a large number of titles to earn a reasonable amount; you may be better off listing them yourself for online auction.
As a member of a market research focus group, you spend a few hours discussing anything from cheese to bigger issues like the problem of homelessness or How to help an alcoholic friend, with a small group of people. Usually the discussion is led by a facilitator and recorded or filmed. Don’t expect more than the occasional job, but the hourly pay is often double the minimum wage, and often you get samples of products to try, such as fabric conditioner.
If you like giving your opinion, and are computer-savvy, you could try online surveys. American Consumer Opinion and Global Test Market are big in this field. When you’ve completed enough surveys to earn a certain number of reward points, the company pays out in cash or, more frequently, vouchers. Earning Amazon vouchers in this way, for example, is a great way to fund birthday gifts.
Naturally you should pay tax on your earnings, even if they are cash; you may be surprised how your income increases if you start thinking outside the box.
A payday loan can also be called a check advance or cash advance loan. Michigan payday loans, under Michigan law are a “deferred presentment service transaction”. The entity licensed to offer payday loans is considered the payday lender or licensee. The loan itself is a short-term, high-cost contractual agreement. The only requirements for this loan is proof of job or income, a checking account and identification. The Payday loan lender gives the consumer the cash, check or money order they need and then the consumer agrees to give them their next payday check as repayment of said borrowed money.
The Deferred Presentation Service Transaction Act is the entity that governs payday loans in Michigan. Payday loan lenders are only allowed to have one outstanding loan per customer and a consumer may only take out two payday loans with different lenders. Michigan payday loans come with interest just like any other loan. Under Michigan law these lenders are allowed to charge interest of up to 15% for the first $100. Thereafter, they can charge 14% for the second $100, 13% on the third, 12% on the fourth and 11% on their fifth and sixth $100 payday loans. The maximum loan amount per customer, per payday loan lender is $600.
An unexpected bill can leave your bank account reeling from the impact. Whether it’s an expected bill that you just don’t have the money for or an unexpected catastrophe, like a car breakdown, you need cash fast. However, you can’t go to just any payday loan or cash advance business. Many have a waiting period or take too long processing your financial information. As a result, you may not get your money in time, leaving you with costly fees to pay to your creditors.
As you begin looking for a place to get some money, look for a place that specializes in fast advance loans. These places are primed to get you the money you need as soon as you walk in, leaving you free to pay your bills or take care of unexpected emergencies. To speed up the process, be sure to bring all of your personal and banking information with you. This will ensure that you don’t waste valuable time driving back and forth to get and deliver the necessary documentation.
When you absolutely need money today, only a fast advance center will do. They will quickly get you the money you need to tide you over until your next payday.
Getting a payday loan can sometimes seem like more work than it’s worth. Some companies do far less than they could to make you feel like a valued customer. However, by looking for a no faxing loan, you can find a payday loan company that values your time and theirs.
Many companies that give payday loans require you to fax personal information, such as paycheck stubs, personal identification, bank statements, or other highly sensitive documentation. This is problematic for two reasons. One, it takes a lot of time to gather that information, find a fax machine, and send it in. If you need a payday loan, you may not even have access to a fax machine without paying an arm and a leg for the privilege. Secondly, they are asking you to send very personal information. If that information got into the wrong hands, they could wreak havoc on your identity, social security number, and bank accounts.
Most companies that offer no faxing loans pride themselves on the convenience they offer customers, so look for advertisements that boast “no faxing loans” or other similar phrases. You can often send in the information another way or provide it to a physical store. It’s safer, easier, and faster.