When you’re in a pinch, earning some extra money is a much better option than a predatory loan.
The thing about surprise expenses is that they’re impossible to anticipate. If they weren’t, they wouldn’t be surprises. One second your car is working fine, the next it’s stalled out on the side of the road. One second your boiler is humming along, the next your basement is filled with smelly, black smoke. Life comes at you fast and it often leaves behind a hefty bill.
The best way to handle these kinds of emergency expenses is to have a dedicated emergency fund. But for some folks, those kinds of savings just aren’t a possibility. Taking out a loan is always an option—but folks whose credit is less-than-great might find themselves at the mercy of predatory payday and title lenders.
A great way to deal with emergency expenses is to go out and earn the cash to pay for them. That could mean taking a second job with a maid service or your local fast food joint, but there are also tons of side hustles out there that give you a lot more independence.
That’s why we reached out to a bunch of experts for some great ways to earn fast cash. We’ve got recommendations from:
- Gertrude Nonterah, side hustle expert and the founder of myonlinebizjourney.com
- Kelan and Brittany Kline, who blog about personal finance as The Savvy Couple
- GreenPal CEO Bryan Clayton
- TED Global Speaker and author of The Homeless Entrepreneur, Becky Blanton
Here are 10 of their top recommendations…
1. Mystery shopping
“If you are great with acting/pretending, this will be a great one for you. You essentially are an independent contractor for market research companies that hire you to go into particular stores, pose as a shopper using a specified scenario script so you can gather information for them. Mystery shopping pays anywhere from $10 to $50 per shop depending on the scenario. All you’re doing is asking questions and noting the answers so you can report back. You can even make it a part of your weekly shopping trips.” – Gertrude Nonterah
2. Moving services
“Make up some business cards ($20 if you get them done) and leave them with local Storage Facilities if people are looking for movers (they always are). You don’t even need a truck. Most people rent trucks from U-Haul and need drivers and loaders.” – Becky Blanton
3. Drop shipping
Kelan Kline (The Savvy Couple) shares this story about the $50K drop shipping (fulfilling retail orders from home) business he started in college…
“When I was fourteen years old going into my freshman year my parents told me to get a job. The three words no high school kid wants to hear. Instead of getting a job I decided I would start selling things on eBay to make enough to make my parents happy.
“After selling anything I could get my hands-on, including things I should not have, I started looking into drop shipping. I had tried a few drop shipping companies even a couple that provided a free website to sell from with very little luck.
“I kept searching and finally came across Doba.com, it changed everything! I bought a lifetime membership for $1,000 (which they no longer offer). I now had hundreds of thousands of products at my fingertips that I could increase the price and keep the profit from.
“I found that Amazon was the bestselling platform due to their high-volume traffic and deep trust.
“I continued to work on my drop shipping business EpicBuyz throughout high school and got very good at it. In college, my drop shipping business on average took in $50,000 a year in revenue. My profit on my sales would range anywhere from 8—15%, not a bad side hustle for a college student!
“I still continue to sell our used items on eBay and Amazon. I have the mindset if it’s not being used it’s worth money to someone else.
“My drop shipping side hustle really set us up for success in running our blog. We started our blog TheSavvyCouple.com 10 months ago and will reach over 20,000 page views this month. Affiliate marketing is another very exciting online business with unlimited income potential.”
4. Become a lumper
“A lumper is anyone who manually handles freight in a warehouse. They make from $60 to $350 per hour or job depending on the freight. Same day pay. Lots of articles online debate lumping, say you have to register, but most strong, healthy looking hard working men or women can generally find work lumping, and repeat work if they’re good and dependable.” – Becky Blanton
5. Selling on Craigslist
“Old items around my house have brought me around $400 a month before. The key here is to take multiple pictures of the item and describe the item as thoroughly as possible. To find a fair but good price to make it worth your while, you can check out store websites like Walmart.com to gain a good idea of what the item costs at full price.” – Gertrude Nonterah
6. Lawn care with GreenPal
If you have knack for yard work, you could earn money on the side through GreenPal, often described as “Uber for Lawn Care.”
Bryan Clayton CEO of GreenPal, explains:
“Our system has over 500 vendor partners in seven states throughout the county.”
“Many of our lawn care vendors are part-timers. Some are firemen, some teachers that use our app in the summer to make extra money, others are college students that work afternoons and weekends, and it is the perfect way for them to make extra money.”
“Our average vendor makes around $55 per hour mowing lawns on our system They set their own hours and pick the clients they want to work for, it is the perfect side job.”
7. Be a driver
“If you have a CDL license you can make money fast moving cars, trucks, rentals etc. around the country. There’s always Uber, Left and other taxi services, but I know people who charge $10-$20 an hour to run errands, deliver groceries, etc. using their personal vehicle. Check your insurance first if you’re hauling people around, but many businesses need delivery for small items.” – Becky Blanton
8. Avon sales
Brittany Kline had a great experience working as a salesperson for Avon…
“Similar to Kelan, I was told to get a job out of high school as well. After doing research, I decided to join Avon and start selling. I went through the training they provided, but I was never someone who pushed my business on to others. I started with ordering extra catalogs and going around on my bike hanging up bags on my neighbor’s mailboxes. It slowly took off.
“When a woman at my mom’s work stopped selling Avon, it was the perfect in for me. My mom would bring catalogs to work with her and she would collect the orders from her co-workers. When the orders came in, we would bag them together and she would deliver and receive payment. We were a great team.
“I sold to a close circle of friends and their family members for a long time. It was the perfect side hustle to cover my gas commuting to college or to cover my cell phone bill. Selling as a direct sales representative for 9 years was the perfect side hustle for me.”
9. Online yard sales
“Yard sales used to be on weekends and you had to drive there, look through crap and hope to find something you wanted or needed. Now you can go on Facebook, search on classifieds or yard sales and your area and find, OR SELL anything online. I make $200 + a month for less than an hour’s work uploading and selling clothes, books, furniture etc. online. ALWAYS meet the buyer at a public place – a grocery store parking lot, etc.someplace where there are people around. If you’re selling electronics, watches, coins or cameras, phones etc. meet INSIDE a store. You’re less likely to be mugged or robbed.” – Becky Blanton
10) Amazon Flex
“This is something my husband actually started recently and he makes between $200-$400 per week. Amazon Flex is a service that gives people the opportunity to quickly deliver items people have ordered from Amazon’s website (and indicated that wanted same/1-day delivery) from a regional Amazon location. The deliveries are local and so you will not spend a ton on gas. For something that brings in $1000-$2000 per month for my family, I’d say this one is a winner!” – Gertrude Nonterah
Becky Blanton (@BeckyBlanton_) is a TED Global speaker, blogger, ghostwriter, and founder of The Homeless Entrepreneur – a nonprofit that offers Suitcase to Briefcase, a training program that teaches those experiencing homelessness how to start their own business.
Bryan Clayton (@YourGreenPal) is the CEO of GreenPal, an online marketplace connecting homeowners with local lawn care professionals. Bryan is a serial entrepreneur in the lawn and landscaping industry having built and sold Peach Tree Inc., a Nashville based landscape group, growing the firm to over 120 employees to ultimate acquisition by Landscapes USA.
Kelan and Brittany Kline aka The Savvy Couple (@TheSavvyCouple) are two thriving millennials that are daring to live differently. They started their personal finance blog September 2016 to help others get money $avvy so they can live a frugal and free lifestyle. Brittany is a full-time 4th-grade teacher and Kelan runs The Savvy Couple full-time and works as a digital marketer. You can follow them here: Facebook.com/TheSavvyCouple, Twitter.com/TheSavvyCouple, Pinterest, and Instagram.
Gertrude Nonterah (@GeeNonterah) is a research scientist trying to save premature infants by day and blogger/freelance writer by night. She is also the founder of MyOnlineBizJourney.com – an educational website that focusses on teaching people how to plan and launch their own side hustles using online tools and skills they already have.
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