Where to get money: 15 easy ways

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In the life of every person, sometimes there comes a moment when a large amount of money is required, but there is none. Moreover, situations are different: it is one thing when time allows you to save, but it is completely different if funds are needed urgently. Where to get money will be discussed in the article.

About earnings in general

It should be understood that in our life free cheese is only in a mousetrap. Many are wondering where to get money quickly so that they can not give it away. Nowhere! Funds come from hard work, sweat and blood.

Without the need to return, you can get money only in the form of a salary, and for this you need to work (which is no longer a “freebie”, because you need to donate your time and effort). And quickly and immediately money is given only in debt.

Criminal methods are not considered - it's illegal! And the funds obtained in this way will also have to be returned sooner or later, because no matter how much the thread is twisted, there will still be an end. Therefore, this article will consider exclusively legal ways where you can get money - either earn money or borrow it.

1. Microloan

There are a lot of companies with names like QuickMoney and Borrow Up To Pay. Points where you can urgently borrow money are located at almost every step in any city.

A microloan is a loan for a small amount. Usually up to 30 or up to 50 thousand rubles for a short period of time - a month or two. The interest rate depends on the amount and term. This is different for each company, therefore this information should be clarified directly with the loan officer.

This is a good option, giving an answer to the question of where to get money urgently on a passport. You just need to choose wisely a company that offers completely clear and transparent conditions before taking such a step, because one unsuccessful attempt can drag a person into debt.

The benefits are as follows:

• Issued very quickly and there is no need to provide any additional documents. Only a form is required.
• No guarantors or co-borrowers needed.
• The purpose of obtaining a small loan is not of interest to the company.
• There are offices that issue microloans via the Internet. All you need to do is enter your credit card details on the site. Refunds are also made through electronic payments. No need to go anywhere and wait in line for a long time.
• If the above method is difficult, the nearest small loan disbursement center will also handle it quickly.

Important:

• You need to take only the necessary amount of funds - a penny for a penny, withoutrounding. The surplus will be wasted, and it will have to be given in the end. Of course, company employees will persuade a potential client to take such a step, but one should be aware of what all this can turn out to be for the loan recipient.
• It is necessary to repay the debt on time. You can before, you can't later. Delay threatens with large fines and increased interest, which will eventually lead to overpayments and bad credit history. Where to get the money later, if everyone ends up turning down such an unreliable borrower?
• If, nevertheless, a delay in payment was made, you should immediately contact a representative of the company and discuss the situation in order to avoid undesirable consequences and uncomfortable negotiations. According to Law No. 230-FZ of 2017-03-07, the borrower's risks are reduced today. Companies no longer need to literally “fill up” the debtor with fines, exacerbating the situation. According to statistics, only 30% of such overdue loans were eventually repaid. Therefore, the above law adjusted the amount of the pen alty for delay. But it should be understood that the longer the client delays the resolution of the payment incident, the less chance of refinancing.

2. Bank lending

Another place to get money with a further return is a bank. A consumer loan is issued for a large amount and for a long time: months, or even years. Accordingly, the percentage is lower than on a microloan.

A consumer loan is usually used to open a personal business or purchase a car. The method is not for those who think where to get money on creditwithout refusal, because the bank checks the client for compliance with the following points:

• The presence of a constant and stable income. If the borrower has not worked anywhere for six months and, accordingly, cannot provide a certificate of income, then it is likely that the bank will refuse to issue it.
• Credit history without violations. Means that previously taken loans were always paid on time and without delay.
• The Bank has the right to refuse without giving a reason. To increase the likelihood of approval, you should stock up on a guarantor. This is a person who also puts his signature on the contract and undertakes to repay the loan in the event of the financial insolvency of the borrower. It should only be borne in mind that not everyone will agree to this. It should be either a very good friend, ready to go for it, or a relative. You need to know that an unfamiliar person who asked to vouch for him when drawing up a loan agreement may turn out to be a fraudster and disappear with the money, and all payment obligations will be transferred to the “victim”.

The bank may require something as collateral as a guarantee that the borrower will be able to pay everything. In the event of termination of payments, the pledged property may be withdrawn from the owner. More often, a car or an apartment is left as collateral, and the bank resorts to such a measure in the case of mortgage lending.

This is also not very easy and is not suitable for those who are looking for where to get money without refusal. Obtaining a mortgage is even more difficult, but it is also an option to purchase a large amount of money to buy a house or a car. You just need to get a stable job andfully comply with the conditions put forward by the bank.

3. Own credit card

If you use the card wisely, then it will play the role of a lifesaver. It is possible to take money with a bad history somewhere, but not somewhere, so you have to apply to many companies in search of approval.

The credit card will not look at history. Money is withdrawn from the card, and if they are returned on time, then interest and overpayments will not disturb the borrower. If the amount is not paid on time, interest will begin to accrue, and you will have to return much more money than was originally withdrawn.

As a rule, we are talking about a period of 50-55 days. But each bank has its own characteristics, and you should check with representatives for details. In any case, a credit card is an indisputable plus if an unforeseen situation suddenly occurred and an urgent question arose about where to get the money. A kind of loan from oneself is able to help out in such a situation.

But there are also disadvantages - cash is withdrawn with interest, which brings certain inconveniences. Therefore, it is better to pay with a credit card, if possible.

Many banks can provide customers with similar cards, such as Sberbank, Tinkoff or Kuban Credit.

4. Ask friends

There is a saying: "If you want to lose a friend, borrow money from him." A joke, of course, but with a grain of truth. Friends, acquaintances and relatives are often approached by people who do not know where to get money quickly.

The method is not acceptable for everyone exclusivelyfrom a moral point of view. In the end, even if you ask your own parents for money, then this is nothing but to remain on your neck.

Of course, it's good if there are true friends who are ready to help in difficult times and who are able to be condescending to a person who cannot return the money on time. However, not everyone can boast of such a treasure as faithful comrades. True friendship (like true love) has become very rare in today's society, where money and technological progress rule.

It would seem just a pathetic statement. But this is how Oswald Spengler described the signs of a civilized society in his book The Decline of Europe.

5. Pawn shop

Not the most popular place, but if somewhere you urgently need to take money on your passport, they turn here. The hoarder is considered one of the most ancient professions.

What you need to know:

• You are required to have a passport or any other document confirming the identity of the applicant.
• Storage of pawnshop items is subject to a fee.
• Refund can only be made after payment of the entire amount and the indicated interest.

Jewellery, antiques, rare art, as well as cars, audio and video equipment, mobile devices, watches, jewelry and even furniture of various sizes are accepted.

But most of all, of course, such organizations like to work with jewelry and antiques. A significant disadvantage is that the pawnshop owner can often offer the amountsignificantly below the cost of the property left as collateral.

It should also be understood that the period of storage of things is negotiated by both parties, and if the redemption is not made within the established time frame, the pawnshop may put the pledged property up for auction.

Therefore, when the question arises of where you can borrow money, you should think about whether it will be possible to redeem a thing from a pawnshop. Otherwise, you'd better choose another method.

6. Avito

After all, everyone has things they don't mind selling. If funds are needed urgently, then the item must be put up for sale at a significantly reduced price.

In any case, trading platforms involve the sale of used goods. Even if household appliances or furniture are brand new, hardly anyone will buy them at cost. It should be understood that a car purchased in a showroom loses about 10% of its value after driving the first 100 meters.

The service has a lot of advantages compared to other ways to receive funds. Often listed for sale:

• clothes in good condition;
• all kinds of antiques;
• vinyl records, CDs;
• books;
• brands;
• coins;
• mobile devices;
• furniture;
• household appliances.

In principle, anything can be set. Even some little things. Just to get the right amount.

7. Rent out your home

Not bada way to replenish your wallet in resort towns. The owner of a house or apartment just moves in with friends or relatives for the summer, and rents out his square meters to vacationers at a predetermined price.

Earnings for the season, but the amounts rise significantly. Of course, this is not the case when you need to urgently take money somewhere, but with the proper approach to accumulating funds, you can come to the formation of nests that will help you avoid unexpected expenses.

8. "Sabbath"

The easiest and most honest method to get a little rich is a side job. This refers to the performance of one-time work with instant payout. There are many similar ads on the Internet.

Often, wondering where to get the money, people agree to the vacancies of movers. Loading and unloading involves working with weights, so they are paid quite well (depending on what to load).

A slightly less profitable way is to work as a promoter. Usually students agree to this in their free time.

In addition to the options mentioned where to get money quickly, there are the following "disposable" vacancies:

• room cleaners;
• waiters;
• delivery courier;
• furniture assembler;
• content manager.

Of course, if problems arose quite unexpectedly, and the question is where to urgently borrow money, then the option is not the most suitable, because it is unlikely to get a large amount on such part-time jobs. But by accumulating the required amount of funds, the consequences of unforeseen situationsmay be nullified.

9. Negotiate with the employer

It will work only if the employee has a good track record and the company policy allows the employee to receive a payday loan.

The huge pluses are that there are no interest, as in the case of loans, and you do not need to collect a lot of documents and look for guarantors.

It should only be remembered that in the end the salary is charged less, because the amount loaned will be written off.

10. Making money online

The most common option and implies a lot: writing articles to order, and programming, and work in the field of web design, as well as layout layouts for printed materials.

In fact, this is also a side job and is not always suitable if the money is required right now and in cash. Firstly, the withdrawal of funds can be carried out on the card within a few days, and secondly, there is a commission. In addition, if money is withdrawn through an ATM of a different company that issued the card, part of the funds will also be lost due to a commission.

Therefore, it is advisable to look for the possibility of withdrawing immediately to a bank card.

Many people successfully work on copywriting exchanges. There are many pluses, but significant minuses in the form of the lack of a direct withdrawal to the Sberbank card repel potential authors from the project.

11. Lottery

Alas, many people often resort to this method and quickly “run away”. As they say, once a year the poker fires. The probability of hitting the jackpot in the lottery, of course, is present, only very small.

Therefore, it is highly discouraged to resort to lottery tickets in the hope of getting money quickly.

12. Government subsidies

There are a lot of state programs to help the population: funds are allocated for treatment, purchase of housing, implementation of business projects and much more. But this method is not the fastest, because it is not suitable for those who are looking for where they can urgently borrow money.

13. Tax refund

A very useful procedure for those who have purchased an apartment or issued a mortgage. Not the best option if you need funds urgently, but it's still good to know that you can get taxes and mortgage interest.

A person has the right to return 13% of the cost of the apartment. In this case, the amount should not exceed the amount established by law. The cost of housing should not exceed 2,000,000 rubles. That is, the above percentages are 260,000 rubles. No one will pay such an amount at a time, because taxes paid for the year are subject to return.

To return these funds, you will need a package of documents:

• certificate in form 2 of personal income tax (issued in the accounting department at the place of work);
• identity document;
• contract for the sale of an apartment or house;
• certificate of transfer of funds from the buyer to the seller;
• certificate of ownership;
• tax refund application;
• help 3 personal income tax.

The specified list is submitted totax office along with card details for transferring funds. After three months, the transfer is carried out. A good way to replenish your wallet for those who pay off a loan for an apartment and think about where to get money. The main thing is to have a permanent job with a transparent salary - a guarantee that the employer makes withholding income tax.

In the case of a return of funds on a mortgage, you should also obtain a certificate of interest paid from the bank.

14. Own account

In order not to rush from side to side in an emergency, thinking where to get the money, it is better to play it safe. You can save up to have your own stash in case of force majeure.

Of course, it is difficult to keep cash and put it away in the old fashioned way, so it is better to open a bank account and replenish it with small amounts. All people tend to spend money on all sorts of little things. Lies, for example, 100 r. in the pocket. Something will definitely be bought.

But it's better to put them in the "bank piggy bank". So, by a penny, a very large amount is accumulated. Of course, this takes a lot of time and patience. And you also need to periodically replenish the account with larger amounts, but the result is worth it.

In order not to disturb your friends and not look for where you can urgently borrow money, the easiest way is to have your own stash, which will always help out at the right time.

For example, in your personal account of Sberbank you can find the "piggy bank" function, thanks to which you can set up automaticwithdrawal of funds from the card. For example, an employee receives a salary, from which the amount set by the client is transferred to an open account.

15. Find an investor

Sometimes you have to look for really large amounts that are problematic to borrow from friends, especially when banks are constantly denied. But the option with an investor is only suitable for businessmen who are thinking about where to get money on receipt to develop their own business.

This role is usually played by a very we althy and influential person who agrees to provide a large sum to a private person. You should provide passport data, as well as explain how you plan to return the amount received.

In most cases, money is needed to start a business, then you should take care of a business plan.

Private loan you need to know:

• Be sure to check the investor. There are many scammers who demand a down payment (as collateral or insurance), and then disappear.
• It is very important to pay attention to the receipt. It must be well-written, because errors in the document can lead to very disastrous consequences.
• Bail plays a key role. The cost of such must fully correspond to the requested amount. The degree of risk is very high, because in the event of an unsuccessful development of events, the pledged property may go to the investor. As a rule, they leave apartments, cars, cottages, land plots.

Conclusion

In modern society, people are reluctant to resort to loans,They still prefer to borrow from friends. Fewer still opt for the savings option to have a safety net in the form of stash for a rainy day.

In life there are different cases when you may urgently need money. This is treatment, and an accident, and all kinds of emergency situations.

In the end, even the birth of a child significantly affects the financial component of the family. It is not always possible to find funds at the right time, because you need to take care of the maintenance of the child. And this is a medical examination, treatment, therapy, all kinds of massages. As well as diapers, diapers, baby food and clothing. Registration in the kindergarten also entails financial losses. And then also the school, where you will need to donate funds according to the decisions of parent meetings. As a result, everyone urgently needs money. Where to get them, everyone has to think for himself.

In view of the above, people often have to live from paycheck to paycheck and from one loan to another. The most difficult situation is when you have to take a loan to pay off debts. So a person turns into a squirrel in a wheel.

The only way out can be a decisive strong-willed step in terms of earning money or finding a more profitable job.

Often, people resort to microloans, who are denied a loan everywhere. So, too, there is nothing left but to live from one loan to another and turn into the aforementioned squirrel in a wheel. It should be understood that you should not take the money that you can not give back later.

Because you need to sensibly evaluate your strengths and capabilities, and also not take anything extra: just a pretty penny. What ifif you happen to take it, you need to understand that you will have to deny yourself a lot in order to set aside the required amount for a refund. Otherwise, it threatens to spoil the story and attract the attention of collectors.

For your information, any company that issues money sends information to the credit committee. Accordingly, the bank (before approving the issuance) makes a request to the organization indicated above and, based on the answer, either refuses to issue a loan, or still approves. Therefore, you should not think that if a credit history is damaged in some VTB, then you should try your hand at Sberbank. Sberbank may also be denied after a request to the above committee. After such failures, a person begins to think where to urgently borrow money.

Many resort to microloans to improve their credit history. This is done as follows: first you need to find a stable job with high earnings, take a microloan and pay it off on time or ahead of schedule, then take the next one and do the same.

Information is sent to the committee, which entails the correction of history in a plus. After that, you can try your luck and take a loan from the bank. But this is not a completely acceptable solution from an ethical point of view. It is much better to think over your steps right away so as not to spoil your credit history and not fix it later with microloans, since in the end you will have to return the amount much more than what was received at the beginning.

In addition, bad credit records may further lead to denial of fundsany major bank. As mentioned above, they may refuse without giving a reason.

A very good option is a credit card that allows you to borrow from yourself. The main thing is to calculate everything correctly and return the funds on time. Otherwise, you will have to return it with interest.

A good way to make money on the Internet, which is now very common, is to run your own blog and get paid for advertising. A good way to get money is to advertise someone's product somewhere. With a large number of subscribers, advertisers offer the blogger to advertise on their page. This is what the money is for. Not a bad way to make money, but you need to be able to promote your personal blog, and it doesn’t matter what it is about, whether it’s a Youtube account, Instagram, Facebook or the VKontakte public.

Money borrowed or credited is always an unpleasant situation, because they should be given back. Therefore, it is much better to earn money on your own at work and part-time jobs in order to always have funds in case of unforeseen situations. Such methods will avoid situations when you have to think about where to get money with a bad credit history.

A good way out is to have your own business, because in this case there is always a way to get money quickly, but even in such conditions, no one is immune from mistakes. Any oversight can lead to large financial losses, therefore, in order not to lose everything, you should calculate in advance. HowThey say measure seven times, cut once. This is the key to success in business and a good life. Only careful consideration of each step will help to avoid unforeseen situations in which very large amounts of money may be needed.

Only planning, calculations and recalculations will help to avoid collapse, bankruptcy and falling into debt. We must remember that all failures in life are the consequences of previous mistakes. Therefore, those need to be corrected in time and not postpone their decision until later. Otherwise, the further, the greater the consequences may be in the end.

And this is not only about the financial component of mistakes, but also, in principle, about relationships between people, which can also lead to monetary losses and thoughts about where you can borrow money. Good friends will always help both with a word and a penny. Good colleagues are also able to help out in a difficult situation. As they say, don't have a hundred rubles, but have a hundred friends.

Because a friend who has already been rescued sometimes will come to the rescue in 90% of cases. This is how partnerships are built not only in business, but also in the work team. Friendship between people is much more important, although everyone has thoughts about where to borrow money.

You should understand the difference between a friend who can help out in any situation, and a person who can take money and not return it. The first will help, and more than once, especially if he received the same help in return, and relations between such people have developed very well. But the act of the second will definitely be a single one, andsuch a person will definitely leave in search of a new victim. But no matter how much the thread twists, there will still be an end. As a result, the fraudster will be left alone with nothing. And he will torment himself with the thought of where to get money on credit - with or without a passport, it no longer matters. Hardly anyone will help him.

From this it follows that the ideal formula for how not to get into such situations when you have to think where to get money on your passport (urgently needed) is this: just be a reasonable and kind person.

Good luck everyone! And do not refuse your loved ones when they come to you with such a request, because they no longer know where to borrow money yet. Help them! After all, kindness will return to everyone.