If you urgently need to pay a bill, perhaps rent or car insurance, but simply don’t have the money, it’s easy to feel panicked. After all, if have a job and you’re between paychecks, you can’t exactly go and find a temporary job to take care of your immediate need.

Fortunately, there are many ways to get the cash you need right when you need it. Additionally, if you need a steady source of additional income besides your regular job, which may not pay enough, then you’ll be pleased to hear that there are many options for that, too.

With that in mind, let’s look at three ways to get cash right now and one way to create an additional income stream.

Get Cash Immediately

• Get a personal cash loan. A personal loan offered by a lender is usually an unsecured loan. This means that you don’t have to put down any collateral, like an asset that you would have to forfeit if you weren’t able to pay the loan back. It’s a quick and convenient way of getting the money you need.  Options such as Maxlend easy personal loans can provide financial relief up to $1250. The repayment plan is flexible and you get the money quickly, often as soon as the next business day. All you need to qualify is an active checking account, a social security number, and a verifiable job or another source of income.
• Borrow money from family or friends. Although it sounds like a simple idea, it’s not an easy one. On one hand, you don’t need a down payment and the approval process is simple. On the other hand, it’s embarrassing both for you and your family or friends.  It’s embarrassing for you because you’re publicly admitting that you’re not able to fend for yourself. At least that’s how it feels.  It’s also embarrassing for them because they may not have the money, or it would require them to make a personal sacrifice. Still, if you can’t get a personal loan from a lender, then this might be your next best option. Just be sure to pay them back as soon as possible to avoid ruining a good relationship.
• Sell something through a garage sale.  You may have a lot of stuff in your house that’s just picking up dust that you could liquidate for some much-needed cash.  If you decide on this idea, pick a date when people are most likely to visit. Usually, the weekends are the best. Next, go through your house and gather up all the things you no longer want, need, or use anymore. You might even enjoy this process of decluttering your house and freeing up space. Depending on where you live, you may need local council permits. Once you’ve got a clear plan in mind for your garage sale, then begin to market your garage sale: create a classified ad in the newspapers and make yard sale signs. Also, don’t forget to go to the bank to get money to make change—you’ll need notes of small denominations and rolls of coins.

Develop an Additional Income Stream

Start a Blog

This is easier to do than you might think. The nice thing about starting a blog, as opposed to say embarking on a side hustle, is that you have control of your time. If, for instance, you worked a second job then you would have to be somewhere at a certain time. With a blog, you can work on it at any time you like, even at four o’clock in the morning when you can’t sleep.

To set up a blog, you would need to choose a theme based on your interests or expertise, register a domain name, get hosting, and build your blog.

If you don’t know how to do any of these steps, you’ll find plenty of tutorials online, as well as guidebooks.

After you’ve set up your blog, then publish your first post and promote it. When you have enough useful content and have found regular readers, then you can start monetizing your blog through advertising banners, affiliate income, or selling information products.

In conclusion, if you’re in a tough spot and need to generate some income quickly, consider getting a personal loan, borrowing, or selling your stuff. You may also want to consider a long-range plan for financial surplus like building a blog.