Saturday, 22 February 2020

I Cant Pay My Rent This Month What Can I Do? 10 Action Steps You Can Take When You Cant Make Rent This Month

I can't pay my rent this month what can I do? this is a question I get asked all the time. It's shocking how many emails I receive from people who cannot afford private rent anymore. The most important thing you can do is not worry and lose sleep over not paying the rent. When you have a genuine reason for not being able to pay the rent there is a way out and you must be patient and have a plan in place.

Recently a reader emailed me saying I cant pay the rent this month what can I do? I thought I would create a 10 point action plan to help the renter back on their feet. I though I would share this with everyone who's having trouble paying the rent this month.

I Cant Pay My Rent This Month What Can I DO?

Action 1: This might not be the first thing that springs into your mind but it's very important you do this. Create a budget and list down all your income and expenses to the penny, if you can list your income and expenses to the penny you can make some rough estimates. The point of this exercise is to see how much money you have coming in and how much you have going out. Your first point must be to find ways to slash your expenses and boost your income. You could cut out all non essential spending and find ways to supplement your income such as taking another job. If you can't afford private rent anymore you need to find ways to boost your disposable income and this is a great way to trim your finances and increase your efficiency.

Action 2: You must notify your LANDLORD and inform him of your circumstances. Don't hide from your Landlord, it's only a matter of time until the landlord legally evicts you. It's better to inform the landlord of your situation so you can come to some sort of agreement and then stay or leave on favourable terms. Tell the landlord everything you are doing to improve your situation and why you are in this position to start with. If you've lost your job then most landlords will provide you with more time to improve your circumstances.

Action 3: Boost Your Income. When you can't afford rent anymore you must look to ways to increase your income. If you've lost your job then your priority is to find another job ASAP. Dust off your CV and do the rounds, contact as many recruitment agencies as possible and put yourself out there! It takes 2 to 4 months to find another job so the quicker you start the quicker you'll have some regular income coming in. You can also supplement your income with online income, under the table jobs and jobs that pay cash near you. If you're a hustler you will make a lot of money this way. The key is not to give up, you'll get a lot of rejection and feel disappointed during this time but it's important to keep your chin up and put your best foot forward.

Action 4: Cut Your Expenses. I know I mentioned this earlier, but, this is important too. All non essential spending needs to be suspended when you can't afford rent anymore. Who wants to pay late rent payment charges when you just might be able to afford the rent by making small cutbacks? Rather than asking questions such as can I get help to pay off my rent arrears it's better to get yourself in a stronger position by cutting your non-essential expenses, by thinking this way you are laying the foundations for being able to pay the rent on time or even go on and save enough money to put a deposit down on a new house!

Action 5: Move To a Smaller Place: So many times I see people living way beyond their means when it comes to apartments. Ask yourself, do you really need this additional space, if there's no use for it you're just throwing money down the drain. Having too much space and not being able to pay the rent just doesn't make sense, if this is the case you need to downsize and move to a smaller apartment that meets your needs and is affordable.

Action 6: Get Help. After taking all the actions mentioned above and you still cant pay the rent this month you should consider asking your friends and family for help. They might be able to offer you a place to stay or lend you some money to pay off the rent arrears. 

Action 7: Social Housing: Everyone needs a place to stay, after taking proactive steps you might still find yourself with rent arrears and not being able to pay the rent again this month. If you simply can't afford private rent anymore you should consider social housing where you may get help towards the rent. 

Action 8: Help With Rent Arrears Charity: There are many charities who help renters who cant pay rent, have rent arrears, or cannot afford private homes. Make a list of the top 5 charities that help with rent arrears and then give them a call and see if you're eligible for help. They are experts and can guide you through the process of getting yourself an affordable place to stay.

Action 9: Get an Emergency Fund: To prevent yourself from getting into rent arrears you should get an emergency fund in place. You should try and save some money every month and build up a reserve. Having a $10,000 emergency fund in place provides you with excellent piece of mind. When you remove all the fear and anxiety from your finances you will be able to make better decisions when it comes to your money. 

Action 10: Get Informed: Find out everything there is to know about renting a property or apartment. The more information you have the better decisions you can make. The best situation would be to find affordable housing in a low-rental area where you are being supported by rental assistance. Any savings you make could go towards a deposit for a new home.

I Cant Pay My Rent This Month What Can I Do?

Not paying your rent this month can be an awful position to be in, being in rent arrears is worse. The most important thing to do is to keep your chin up and put your best foot forward. Go through all the I Cant Pay My Rent This Month What Can I Do checklist of actions and get yourself in a better position. I assure you, if you can put the above 10 points into practice within months your circumstances will improve. 


Tuesday, 18 February 2020

I Need to Borrow Money Right Now - 10 Ways to Borrow Money Quickly

If you're in a tight spot and need to borrow money now then there are ways you could raise money fairly quickly without having a immaculate credit score. In this post titled I need to borrow money right now there are 10 quick ideas to borrow money for your essential needs. 

According to the 2020 American Household Credit Card Debt Study the total owed by an average US household was as follows: Credit Cards $25,355; Mortgages $265,892; Auto Loans $36,530; and student loans $97,712. With all this staggering debt making ends meet becomes and impossible task!

Borrowing money can be useful but you must be careful because you can get yourself into financial hardship if you borrow too much. It's always a good idea to establish an emergency fund so that you don't need to borrow money and you must complete a income and expenditure form to see how much you can afford.  

I Need 10,000 Dollars RIGHT NOW

I Need 5,000 Dollars RIGHT NOW

I Need 2,000 Dollars RIGHT NOW

'Always spend borrowed money on essential items and try to establish an emergency fund'  

'Always find out how much you can afford by completing a income and expenditure questionnaire'  


I Need to Borrow Money Right Now  


1: Borrow From the Bank of Mum and Dad to Borrow Money  


If you're desperate for money and have a terrible credit score the best option might be to go to the bank of Mum and Dad for a loan. I know it's embarrassing to ask parents for money but sometimes it’s the only option. Parents are always willing to help their children and if you're in a tight spot and need emergency cash most parents are more than willing to help out. To make the transaction seem more appealing to your parents create a loan agreement with a payment schedule so they know exactly when you will return the money.  
Resources: The Art of Asking Your Parents for Money


2: Ask Friends for Money  


Close friends are also willing to help out and it's certainly worth asking if you need some emergency cash. Find a friend who trusts you and have every intention to pay the money back. You could even go as far as offering something valuable as a collateral. I've lend a lot of money to friends and one thing that clinched the deal was when a security offered. Why not offer your laptop or phone as a security so they know you'll pay the money back. Again create a loan agreement with a schedule and a security so they are more willing to lend you money. You could even offer interest or a thank you bonus to help sweeten the deal.  
Resources: Get Your Friends & Family to Lend to You No Matter What


3: Ask Your Employer to Borrow Money  


If you need emergency cash you could go to your employers and ask them for an advance or to lend some money. Most employers have some money put aside to cope with emergencies so you could ask them for a cash advance. You could even ask them to deduct the money from your salary before it is paid so there is a guarantee you'll repay the money. If you have a genuine need for the money then employers are more than willing to help out.  
Resources: How to Ask Your Boss for a CASH Advance


4: Ask Neighbors for Money  


This might seem odd asking a neighbor for help however from experience I've seen that neighbors are more than willing to help out. It's important to establish a good rapport with your neighbor from the beginning and to build trust so they will be willing to lend you money. Try to explain your situation to your neighbor and have the loan contract and security to hand to show that you're serious about paying the money back. As long as the transaction is backed with a contract most neighbors who trust you will be more than happy to help.  


5: Ask Local Businesses for a Loan  


Local businesses love doing their bit for the community and pride themselves on helping individuals who need a helping hand. To ask a local business for a loan you need to make an appointment with these companies and explain why you need the money. Again it's important to have a loan contract to hand and a security to help broker the deal. Most local businesses love publicity so explain to them that you're more than happy to express your gratefulness to a local newspaper about the businesses generosity. Businesses are more than likely to lend money if you have a genuine need, sometimes they might even give the money for free.  
Resources: How To Ask Businesses For Donations


6: Ask Religious Organizations to Borrow Money  


Religious organizations such as Church, Masjid, and Synagogues all have donors who contribute to their discretionary fund. This money goes towards running the organization and to help the community with worthwhile causes. When you have a genuine need these organizations will be more than willing to help out. There is a strong possibility that you might get the money for free. If you are not offered free money you could always ask for a loan backed with a security which might just convince the religious ministers.  


7: Use a Zero Percent Credit Card   


If you have a satisfactory credit score you could always try applying for a zero percent credit card to borrow from. Apply for a credit card which offers money transfers to bank account otherwise you won't be able to withdraw the cash. The longer the zero percent period the better it is for you as you'll have more time to pay off the loan. Also be wary of initial charges which range between 0 and 5% of borrowing. It's important to list your income and expenses so you know exactly how much you can afford to repay.  
Resources: Zero Percent Credit Cards


8: Find the Least Expensive Payday Loan   


Payday loans have a high interest rate so it's best to avoid them. If however you have exhausted all other options you should apply for the best payday loan. Your aim should be to find low interest, low charge loans which do not penalize you excessively for a missed payment. Payday loans are changing and more companies are placing an emphasis on helping customers rather than maximizing profits.  


9: Apply for a Guarantor Loan  


If you have a poor credit score and know someone with a good credit score whose willing to help you out you could apply for a guarantor loan. A guarantor loan is backed by your friend so if you fail to make a payment your friend will be asked to repay the loan. These types of loans are becoming more popular as friends are very willing to help close friends out without lending their own money.  


10: Find Buy Now Pay Later Catalogs  


If you need the money to replace items in your household like appliances you could apply for a buy now pay later loan from catalog companies. These companies have relaxed credit requirements where you can spread the payment over 12 months to help you purchase items. You can buy items from clothes and shoes to household appliances and furniture. Your credit limit will be increased if you can prove you can pay off the loan on time. 
Resources: Buy Now Pay Later Websites


I Need to Borrow Money Right Now 


The above 10 ideas are robust ways to borrow money when you need emergency cash. As always it's important to spend the money wisely and complete a income and expenses form to see how much you can afford. Also always keep a loan contract with a schedule of payment and security to make the transaction real.  

I Need 10,000 Dollars RIGHT NOW

I Need 5,000 Dollars RIGHT NOW

I Need 2,000 Dollars RIGHT NOW

Tuesday, 11 February 2020

How To Find The Best Under The Table Jobs - 60+ Jobs That Pay Cash Near Me? Work Under Table for Best Cash Jobs

How To Find The Best Under The Table Jobs That Pay Cash Near Me?

ONE: This guide will help you find under the table jobs
TWO: Provide a list of best paying under the table jobs
THREE: Jobs which pay cash in hand
FOUR: Resources to find under the table jobs near me



Jobs That Pay Cash

There's nothing new about under the table jobs, some employers only provide jobs that pay cash.
Employees also like the idea of under the table jobs to boost their income and like the flexibility of jobs that pay cash, especially if the position is near them.
You can easily boost or even replace your income with jobs under the table, in this guide we will look at some of the best jobs that pay cash so you can boost your income.

What are Jobs Under The Table?

Jobs under the table are jobs that are paid for in cash. Some call them off the book jobs because they are not recorded anywhere and cannot be traced to anyone. 
Jobs under the table are great if you're having trouble finding a job or need to supplement your income to make ends meet or to improve the quality of your life. 
There are many skilled workers who simply can't find a job for whatever reason and rely solely on jobs that pay cash under the table.
The good news is there are plenty of jobs that pay under the table. You also don't need to be highly skilled to find a job that pays you in hard cold cash. If you are skilled then you can supplement your income even more. 

What Should I do Find Jobs Under the Table?

Once you've made a decision to make money under the table you need to take stock. 
For you to start earning from your skills, you need to do the following. It's very important to complete these exercises to know exactly what skills you have and what you can do with them to make money. 
I urge you to sit down and think real hard because it could make the difference between find a high-paid jobs that pay cash and under the table jobs that pay peanuts.
Exercise 1: First things first, make a list of all the skills that you possess. From everything you learned from the time you left school to the present moment. 
List everything because it will make it easier to find cash jobs under the table. Remember the more skills you have the more you have to offer and potentially more cash you can earn.
Exercise 2: Now you need to match these skills to problems people face everyday. For example, I am very skilled at building computers, I can offer my service and people will pay me cash to repair their computers or even build them a computer from scratch. 
All the time I am paid cash under the table. Once you match a verified problem to your skill you can make a lot of cash under the table with jobs that are near you without the need to travel.
Exercise 3: Create a menu of cash for jobs according to the problems you can solve with your skills. The more under the table jobs you engage yourself in the more jobs that pay cash you will find, it's that simple. 
I know some people who make over $10,000 dollars per month with the best under the table jobs, these are jobs most people can do. I will provide a comprehensive list of getting paid under the table jobs that are near you. You can easily supplement your income by 100%. The more effort you put in the more you can make.


50+ Jobs That Pay Under The Table


1: Building Website: You can make a lot of money under the table by building websites. Most people love the idea of making money online through a blog or through a e-commerce store. Unfortunately, they do not have the technical skills or the know how to accomplish this task so they outsource it to freelance workers who do all the leg work.

Suppose you have skills in building websites and e-commerce stores you could make a killing because people will give you jobs that pay cash. Just take a look at Fiverr.com to see how much you could make. You could even teach yourself how to build a beautiful website and then offer the service to people who don't have a clue. The more skilful you get at building a website the more money you can make under the table.

2: Building Computers/Repairing Computers: There is a lot of demand for fast computers at budget prices. Gamers on YouTube like fast computers which have to be built bespoke and are prepared to shell out thousands of dollars to anyone who will build it. Most of these transactions are under the table so you will receive cash for the job. 

Normally, it takes a few days to build an accomplished and fast computer as long as you have all the components. You can charge anything from $200 to $500 depending on the technical specifications. Suppose you can make 10 of these a month on a highly specified basis, you could easily make $5000 on the side, truly, this is one of the best under the table jobs that pay cash.

3: Snow Removal/Snow Shovelling: Working outdoors has many perks, you get to enjoy the weather and you have the feeling of accomplishing something with your own two hands. Fortunately, not everyone feels the same way and they are prepared to pay big bucks under the table.

With snow being forecast you could offer a service where you shovel snow off a drive as a under the table job. This is a job people will hate so you could earn anything between $20 and $50 per job and its cash in hand, again, this is one of the most popular jobs that pay cash near you.

4: Gardening for Other People: Everyone loves a lush garden but not everyone is prepared to get their hands dirty. If you're the outdoorsy type and love connecting to the earth you could make some nice dosh with under the table jobs which involve gardening. 

Just make a menu of all the services you are prepared to provide and then send leaflets to your local neighbourhood. You will get a response because most people hate to garden, if you can charge $100 per job and you can manage 50 jobs in the summer your looking at making a cool $5000 dollars with this under the table job.

5: Writing Essays/ Proof Reading: Not the outdoorsy type but want to still make money under the table with under the table jobs that pay cash? No problem. If you consider yourself as an academic you could try your hand at writing essays or proof reading for other people. There is big money for this and people are prepared to pay cash under the table for a sample essay which they use as a template to write their own. 

You can easily advertise your services on sites like FIVER.com and charge good rates. You will receive cash in your PayPal account which you can withdraw relatively easily. This is one of the best ways to earn under the table if you like the buzz of proof reading or essay writing.

6: Tutoring/Online Tutors: Fancy yourself as a mentor or a tutor? Why not put your skills to good use, the saying does go, those who can... teach... When I tried this I could easily find jobs that pay cash near me and these under the table jobs are not recorded by the parents of the pupil, it is just considered as a way to supplement your income.

You can also try your hand at online tutoring, this is especially popular as parents can supervise closely what the student is getting up to. You can easily charge anything in the region of $20 to $50 per hour and you can make a killing during exam season when students are cramming and need all the help they can get.

7: Creating Arts & Crafts: Arts and crafts have been around forever, as long as there are creative people and people who appreciate art this phenomenon will always exist. Why not take advantage. If you do have a creative streak then make something and put on sites like Etsy.com and Redbubble.com. 

It might take a while but once you know what sells and what doesn't you can easily make a killing. Patience is essential in this under the table job, I was close to throwing the towel in before I started to make sales and the rest is now history!  

8: Personal Assistant/ Online Personal Assistant: Have exceptional organization skills along with problem solving abilities? put these skills to good use as there are many who are prepared to pay under the table for a reliable trustworthy personal assistant. You wont have to commute anywhere if you find yourself a Online Personal Assistant job that pays cash under the table. 

You can charge anything between $20 to $50 per hour depending on your skills and experience. If you can become a full time Virtual Assistant you could easily supplement your income by 2000 to 3000 dollars.

9: Babysitting/Child Minding/Elderly & Disabled Minding: Everyone needs some respite once in a while and that's where you have the opportunity to make money under the table. There are so many babysitting/child minding/ elderly & disabled minding positions available and you could earn a handsome sum of money.

Reputation is everything, as long as you can provide a reliable assured service you will get repeat business. If you can network effectively and organize yourself effectively, you can easily earn 1000 to 2000 dollars supplementary every month by working holidays and weekends. These jobs pay cash and are under the table opportunities to make good money.

10: Software Developer: Programming skills are highly sought after. It seems as though everyone wants to develop some sort of APP or computer program but they don't have the necessary skills. This is where you can come in and really clean up because there are lots of under the table jobs that pay cash near you.

Even if you prefer the comfort of your own home you could easily find jobs on sites like Fiverr.com where you provide service for cash. You can charge thousands of dollars if you know how to build an APP from scratch. It is easy money to make.

11: Creating Custom Jewellery: The way I see it, there is an under the table job for everyone and these jobs pay cash near you. All you have to do is find what you love to do and then offer services relating to it. Many people are creative and they don't tap into this wealth! Creating custom jewellery is an amazing way to make money and people will pay cash.

You can either create custom jewellery and sell in a market near you or you can get highly creative and use sites like Etsy and Redbubble.com to show your work off! Either way, as long as you have talent and flair you could make a lot of money. Some of the best creators of custom jewellery can make anything between $10,000 dollars to $100,000 Dollars per month, it's that lucrative!

12: Appliance Repairs/Electronics Repairs: Have a methodical and blueprint mind? You could make some extra dollars under the table by repairing appliances and electronics. Think about it, more and more people are becoming conscious about the environment and subsequently making repairs rather than buying new.

You can cash-in by providing a service where you repair common appliances and electronics for a tidy sum. All these under the table jobs pay cash and they are near you. If you charge $100 per repair (you could easily charge more) and can make 20 repairs a month in your spare time you're looking at supplementing your income by 2000 dollars per month! Insane! 

13: Personal Trainers/ Motivational Coaches: Take care of your body and make money at the same time? sounds like a dream come true doesn't it? People are making money by offering their services as personal trainers and motivational coaches. You need to know your way around a body and be able to motivate people and make them sweat. 

There are plenty of under the table jobs available and these are jobs that pay cash near you! All you have to do is provide a menu of service and build a client base. You could make anything between 20 and 50 dollars per hour depending on how experienced you are. A lot of people supplement their income considerably by offering their personal trainer services during the weekend and evenings. Trust me, this is a great under the table job which pays good money.

14: Car Repairs/ Bicycle Repairs: Knowing your way around an engine can be big business. If you know your way around a classic car you've hit the jackpot. There is a lot of money to be made with this under the table jobs and there are waiting jobs that pay cash near you for car engine restoration. You could make anything between $500 to $5000 dollars for restoring a classic vehicle to its original beauty.

15: Building and Installing Kitchens/ Bathrooms: I recently had my bathroom done using an under the table builder and it came out beautifully. I saved a bundle as I paid him under the table and he made a decent profit as he was able to do this on weekends and evenings. It was a win-win. Put your building skills to good use, you could earn anything between $5000 to $10,000 dollars if you know how to make a bathroom beautiful again.

16: Yoga/Exercise Instructor: You can make plenty of money under the table if you're into Yoga. Not only can you make money, you can become fitter and maintain your slender figure, it's win-win. 

All you have to do is offer a class after work or on weekends and charge the normal rates. Suppose you know advanced Yoga you could charge even more. On average you could make an extra 1000 dollars per month just providing weekend and evening classes.

17: House Painter & Decorator/ House Dresser: Monetise your decorating passion by offering house dresser classes or by painting and decorating homes. This is one of the best under the table jobs you can set up.

All you have to do is offer insights into interior design so you can make a house a home with your sparkling Midas touch. You can also offer painting and decorating service. Just by providing these services on weekends and evenings you could rake in a lot of money and these are jobs that pay cash near you!

18: Day Labourer: Want to burn some extra energy and lose excess weight and make money at the same time? If you want to tick all these boxes you should consider your hand as a day labourer. 

You could do all sorts of under the table jobs that pay cash, these include cleaning, washing, gardening, moving heavy objects ETC. You can easily make an additional 1000 dollars per month by doing the odd job here are there.

19: Accounting & Income Tax Preparation: Know the difference between ledgers and tax accounts? Why not offer to prepare someones TAX or offer an accounting service to people who have no interest in doing the tax return themselves.

You can find plenty of under the table jobs that pay cash near you. All you have to do is balance the book and prepare the tax. If you know how to do this you could make an absolute killing during the tax year end where everyone is desperate to file their tax returns. 

20: Home Movers/ House Moving: People move homes all the time and need muscle to get the job done. This is one of the purest under the table job that pays cash near you. You can charge anything from $200 dollars to $1000 dollars depending on the job. This is a great way to make some extra money and build some muscle at the same time.


21: Affiliate Marketing Online
22: Article Writing Online
23: Boxing Instructor
24: Martial Arts Hand to Hand Combat Instructor
25: Ballet & Dance Instructor
26: Yoga & Mystics Instructor
27: Resell Clearance Items
28: Furniture Upholstery
29: Antiques Reseller
30: Interpreter

31: Rent You Home on AirBNB
32: Dog Washer/ Dog Sitting
33: Marine Mechanic
34: Selling Used Books
35: Selling Produce from small scale farming
36: Pet-sitting
37: Dog Walker
38: Cycle Currier
39: Car Delivery Service/Deliveroo
40: Maid Service

41: Wedding photography
42: Reselling Tickets Online
43: Janitorial Work
44: Carpet Cleaning
45: Dump Trips for local rubbish
46: Tattoo Artists
47: Disc Jockey & Master of Ceremonies
48: Remote Hairdresser
49: Selling Collectables
50: Data Recovery
51: Dress Making



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