What To Do If You Need Money Now: A 30-Day Plan To $1,000

Being stressed out financially is THE WORST.  It feels like you are living in an earthquake and the ground can drop out from beneath you at any time.  When life’s emergencies come up (and they will come up), you need to know what to do if you need money now.

Everyone always wishes money would just fall out of the sky when they need it, but unfortunately the world just doesn’t work that way.  When I was in an emergency situation and needed cash fast, I was scouring the internet and Pinterest looking for the miracle solution of “Here’s how to get $1,000 in one day without any effort.”  

Of course, that doesn’t exist!  How silly was I for even looking for that?  But, I will admit, I am inherently lazy and really didn’t want to have to put in too much work for my finances.  Who would?!

So, if you are sitting in that situation right now, of needing emergency cash super fast, listen up!

There is no way you are going to have $1,000 handed to you in one day.  You have to put in some work if you want to come up with $1,000 quickly.  I repeat, you are going to have to put in some effort to make this happen.

Want to know the good news?  You have come to the right place to learn how to make this happen in the next 30 days….or less!  You were meant to be reading this and today will be your new financial beginning.

Your 30-Day Plan to $1,000:

Day 1:  It’s all about the App.

This is a beginner day with a very simple task.  All I want you to do is sign up for two money-saving apps.  

These apps will be saving you little bits of money on purchases you would already be making.  This may save you money this month depending on how aggressive you are or just in the future, but this can be a great opportunity to get cash with minimal effort.

How I want you to use these apps to actually make money.

Ebates:  

Sign up for Ebates here.  This app will give you cash back on purchases you make online (yes, that includes Amazon).  You can read my full review of Ebates to learn more.

Here is the money maker for Ebates.  Aside from getting a percentage of cash back with online purchases and earning a $10 welcome bonus for signing up, you can earn $25 for every person you refer to Ebates.  $25.

You are going to sign up today.  Then you are going to send out your link via text, email, make it your Facebook status…whatever you have to do to get it out there to every single person you know.  Do you have 10 friends? You just gave yourself $250!

The most amazing part of this is there is no limit for how many people you can refer.  This is your new part-time job. If you people say they don’t know how to download the app, you will take their phone and walk them through it.

If you were looking for zero effort ways to make money, this is the closest you are going to get to it.

iBotta:  

Sign up for iBotta here.  This app will give you cash back for purchases you make in stores and online.  You can read my full review of iBotta to learn more.

This app is more geared toward groceries.  Everyone buys groceries so everyone needs this app.  You will get a $10 sign up bonus. You get cash for every referral.  For the month of April, you can get $40 for referring 4 friends. They always have promotions for referrals.

You are going to sign up today.  Then you are going to do the same thing you did with Ebates and you are going to work to get referrals as if your life depended on it.

This is such an easy way to get money for doing nothing!

Imagine you were able to get 20 people to sign up for both…..that’s $450!!!!  You can get that cash just by helping other people save cash.

Sign up for Ebates here.

Sign up for iBotta here.

Start lovingly harassing everyone you know to get signed up with your referral link to get you cash today!  

Day 2-6:  Commit to setting up a budget in 5 days.

If you are in a bind and need $1,000 fast, you probably aren’t working off a budget.  This is why you are in this situation. If you were budgeting, you would have an emergency fund and this would not be an issue.

But, guess what?!  I am going to hold your hand and walk you through the budget set up process over the next 5 days.  This is super easy and you have nothing to be intimidated or scared about.

I had half a million dollars of debt by the time I sat down to put a budget together.  Half a million dollars!!

If I can face the truth and put together a budget, so can you.  Sign up below to begin the FREE email course to build your budget in 5 days.  

“But, Rachel, why do I need a budget?  How is that going to get me closer to my $1,000?”

If you have not been living on a budget, I guarantee you have no idea where all of your money is going.  This means you are wasting money somewhere.

When you put your budget together, you are going to find so much room for saving, you are seriously going to feel like you got a raise.  I promise you.

SIGN UP BELOW TO START BUDGETING TODAY.  USE OUR FREE BASIC BUDGET SETUP SHEETS AND START CHANGING YOUR FUTURE NOW!

Day 7:  Spend your life on the phone.

Ready to spend your entire day on the phone with customer service providers??  Yay!!

Today is the day you will downgrade your life.  Want to save money instantly?  Time to cancel and downgrade your memberships and services.

Phone calls to make:

• Internet provider – downgrade your speed to the lowest they have available.
• Cable provider – cancel it.  You don’t need cable. If you need $1,000 you do not need to be spending your money on cable.
• Netflix – cancel it.  “But it’s only $11!!” You told me you needed $1,000.  Now you are $11 closer to reaching that goal.
• Hulu – cancel it.  Same reasoning as Netflix.  When you aren’t broke, you can get Hulu again.  Right now Hulu is a luxury you can’t afford.
• Gym membership – cancel it.  
• Cell phone provider – kids have phones?  Take them off your plan. They don’t need phones.  I’m sure all their friends have phones they can borrow in an emergency.
• Change cell phone providers.  There are different options out there for much cheaper cell phone service.  My favorite is Mint Mobile. It is easy enough that I was able to change out the SIM cards myself and set up our existing phones.  It’s seriously $15/month per phone. So cheap!

I can not recommend Mint Mobile enough.  It saved us over $100/month.  You can sign up for Mint Mobile here.

Any membership or service you have that you can live without should be getting a phone call today to cancel or downgrade.  If you need $1,000, you do not need to have these memberships.

Day 8-14:  Take inventory of your home.

For the next 7 days, you will be looking at your home as if it were a catalog.  What things do you have that someone would pay for?

I’m talking anything and everything you think you could sell to make money I want you to:

• Write down the item
• Take measurements if needed
• Take pictures of the item
• Determine a price

If you haven’t used something in the past 6 months, it’s gone.  If you can live without a certain item, it’s gone. You are selling things because you need $1,000 like yesterday.  

You are going to clean our your basement, clean out your garage, clean out the closets you’ve been ignoring for the past 3 years.  Go through your clothes. Go through EVERYTHING. You are going to sell everything.

When we needed money, I literally sold our kitchen table.  We were having people over for dinner that night and we ended up using patio furniture.  I didn’t care, we needed the money and someone wanted the table that day. It was gone.

When you are in a pinch, you need to put your pride aside and do what you need to do.

Take inventory of your home, get rid of emotional attachments to the “stuff” and get ready to sell everything you can live without.

Day 15-30:  Sell! Sell!  Sell!

Now that you know everything you are trying to sell, you need to post it all on the Facebook Marketplace.  This is THE EASIEST platform to sell things very quickly.

Post everything at reasonable prices and if they aren’t selling within 24-48 hours, drop the price.

This is such an easy way to sell things without going through the hassle of setting up a garage sale.  

You post the item with a description and price.  Someone buys it and then you go meet them for an exchange of cash for the item.  Super easy.

I have easily made $3,000-$4,000 selling our stuff on Facebook over the past 3 years.  

Sell as much as you possibly can and be willing to drop your price.

What’s making you more money?  The item sitting in your home or the item you sold for $5 less than what you thought you wanted?  Get rid of it! Some money is more than no money!!

Related Post:

3 Amazing Benefits of Selling Your Stuff & How To Do It

Now for the super fun stuff.

In addition to the 30-day plan outlined above, you are going to be making some lifestyle changes throughout the 30 days.  This is what’s going on in the background while you are working through the plan.

For 30 days you will:

• Stop eating out
• Stop going through the drive-thru
• Pack a lunch every single day
• Cook at home every single night
• Not go to the salon/barber
• Use the food you have at home and not go to the grocery store
• Not purchase any extra items (clothing, toiletries, etc.)
• Use less product (laundry detergent, soaps, lotions, shampoos), to make your items last as long as possible
• Turn off lights when you leave a room
• Not go out with friends
• Say no to any extracurricular activity that could cause you to spend money

You are going to have no life for 30 days, except for the life I have outlined for you above.  You have a 30-day focus to get $1,000. This means you have zero time for other things that will distract you from that.

If you are serious, you can definitely accomplish this.  This is the plan. It will work. Now get to it!!

If you have questions about anything email me (rachel@budgetwithrachel.com), and I am here to help you get through this and get creative.

USE OUR FREE BASIC BUDGET SETUP SHEET TO GET STARTED BUDGETING TODAY!  GET IT INSTANTLY WHEN YOU SIGN UP BELOW!

PIN FOR LATER!