The Need Money Now Strategy

I Need Money Now!

Everybody needs money now for something

If you urgently need money now then you’re probably knee deep in trouble.  If that’s the case, the one thing that wont help you are all of the “get a loan instantly” sites.  You might as well consider them loan sharks.  They’ll take everything you’ve got for a tiny loan and if you life isn’t already screwed up, they will be sure to do that too.

If you do need money now, do yourself a favor and check out some clever debt reduction strategies in the Can’t Pay My Mortgage post or the Debt Relief for Dummies post for some quick help.  You probably got into your current mess by taking crappy loans, don’t perpetuate the cycle!  Remember – Quick, high interest loans are not the answer!

For the rest of you, we will get you money now, but only a little bit.  See, just like losing weight, building a huge cash hord and digging yourself out of debt is very possible – it just requires focus and determination.  Those 30 pounds didn’t just melt off of you, and likewise you’ll need to do your fair share of work to stop the leaks in your spending. 

Step 1 – Budget

You need to know what you’re spending before you can begin to address your money problem.  I think if you check out the below articles you should have enough knowledge to take care of this step.  The reason you need money now is because you’ve neglected this step for too long!  Nobody became financially secure by spending all their money.


18 Lessons I Learned From Being Broke

I'd like to share 18 personal finance lessons I've learned over the past 30 years of being broke and living paycheck to paycheck.

wealthy choice

Being Wealthy is a Choice

Very few people get to wake up one day and just become wealthy. For those lucky few that do, becoming wealthy turns out to be not as much luck as a curse. A large percent...


Budgeting for Dummies: The Complete Guide

New year, fresh budget.  Wait, you haven't budgeted before?  If so then Budgeting for Dummies is for you since there is no better time to start then now! If you didn'...

Step 2 – Ways to Save

Having completed Step 1, we now understand where we are spending our money.  Knowing is half the battle when you need money now.  The other half is slicing out the fat.  It definitely wont be easy and in some cases you’ll need to make some tough decisions but a few weeks down the line you’ll be much happier and much wealthier.  Remember, the easiest way to save more money is to spend less.  For that, we must optimize our expenses.

Save with Groupon Getaways!

How I Save a Ton on Travel Expenses

You work hard and you want to play hard too.  I'm right there with you and personally I think taking an awesome vacation is the best reward for working hard all year-long. ...

Joel Larsgaard

7 Unique Ways to Save Money (and Rewarding Yourself with a Craft Brew)

Joel Larsgaard provides 7 ways you can save money, and as a reward to yourself, the perfect craft beer pairing.

BYOCAB (cold ass required)

Always Save when you Eat Out

Look, you're going to want to have a nice night out once and awhile.  It's always a fun time and you work really hard so you deserve the occasional treat.  Problem is,...

Step 3 – Increase your Income and Be Productive

One of the easiest ways of getting money is to make more of it.  If you want to make more money at your job you don’t need to put in 80 hours or wait until your manager dies so you can take his job.  There are a few easy things you can do right now that will pay you back in spades later.  I got my first job out of college that paid 25% higher than the Average US Household Income at the time despite the fact that my GPA was a 2.3.  Once I started understanding how things work I was able to bump my salary by over 165% over five years.  I will be trying to write everything that I’ve done to achieve this in these posts so that you can do the same!


Alternative Ways to Make Extra Money

Want to make extra money? Of course, we all do. This list contains real, sustainable ways to help you continue to make money and improve your lifestyle.

inbox zero will save your life

Inbox Zero Will Save Your Life

Technology has finally penetrated every part of our lives.  It's no longer enough to just use technology for an edge because everybody does, you now must use it effectively. ...

Click the image to see the whole infographic by MaryEllen Tribby

Get Organized Already

There is this huge misconception that being successful is somehow difficult or not within your reach.  That's crap.  Being successful doesn't mean you need to be a rocket...

Step 4 – Make Your Savings Multiply

We’ve budgeted, optimized and hit up a ton of merchants for free cash.  Now that we have a savings account (which we were paid to open), and it’s starting to get full with cash (from spending less), it’s time to make these savings work for us.  We should be increasing our wealth while we sleep.  Everything in here is low risk and low effort.  I want you to have the piece of mind that your money is safe and growing while you focus your mind on other important things like your family, xbox, etc…


The Betterment Experiment



The No Effort Investment Strategy

These days just hearing the word "investment" is enough to send shivers down your spine.  It's been four years since the financial crisis and while we are definitely doin...


Invest like an Expert Without Being One

I was budgeting like everyone told me to and packing my money away into a savings account.  My savings grew really fast. Once I had cracked the code of being financially ...

Step 5 – Advanced Savings Techniques

For people that are ready for a more hands on approach (and a bit more growth potential), this section is for you.  There will be risks here and I will be sure to outline them and caution you.  It will take a bit more work than a “set it and forget it” strategy, however you don’t need to be a rocket scientist to make gains here.  Just remember take the risks seriously.

The Need Money Now Strategy Resources

Achieving financial security comes from learning best practices and being able to control yourself and your spending.  That said, there are a ton of tools out there that can make things really easy for you.  They may automatically budget for you, help regulate your investments automatically, get you automatic savings when you do spend or even challenge you to improve saving by giving you cash prizes!  Below are a few resources that I’ve found are extremely helpful in your “need money now” quest :)

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For the full list of resources I use to manage my finances, click here.