Keep It Going: How to Survive with No Money Until Payday

The average student currently has over $28,000 of debt to pay off, and they aren’t alone. Many Americans are struggling to know how to survive with no money.

The good news is, there are ways to make it through even your most difficult financial situations. Read on to learn more about meeting your needs when money is an issue.

How to Survive with No Money

Whether it was due to an unexpected expense or simply not budgeting wisely, we’ve all been in the situation of feeling tight between pay periods. However, this doesn’t mean it’s time to turn to panhandling on the street corner.

With a bit of creativity, there’s no reason why you can’t make it to your next pay period without being terribly uncomfortable. While you may not be living large, at least you’ll get to eat.

Payday Loans

Many borrowers turn to payday loans to help them handle their monthly expenses, so you’re not alone in these circumstances. Payday loans are a smart option if you really need the extra cash for expenses like rent, food or gas that you absolutely cannot go without.

These loans typically don’t require that you have good credit or any credit at all. Instead, they will look at your monthly payment to determine how much they should lend you.

From there you will write a personal check for the loan amount plus interest. If you’re interested in getting a payday loan we suggest going through an online loan company. Their support will be able to fill you in on any loan details you need to know.

Sell an Item

Got an extra computer hanging around the house? A tv that’s not in use? There’s the cash you need. If you aren’t in dire circumstances and can wait a bit, you can always try your hand at selling the items on eBay, Craigslist or Facebook marketplace. There are also a number of apps made for the same purpose.

If you need the cash faster than that, you may want to take the items to a pawn shop. While they won’t give you the full amount you’re looking for, they can have cash in your hand by the time you walk out the door.

Try a Task App

If you’re looking to earn some extra cash during your off hours, apps like task rabbit provide you with the perfect side hustle. With this app, you can choose different tasks to complete for people in your area.

Tasks can include anything from walking someone’s dog, to picking up their prescription from the pharmacy.

Use Public Transportation or Bike

If you live in an area where it’s easy to bus or bike everywhere, don’t waste what little money you have left on gas.

Not only is public transportation more affordable, but it’s also better for the environment. It also allows you to do things like read or eat breakfast during your morning commute.

Use Coupons

Chances are you've received coupons on a daily basis, you haven't noticed. That is until you really need them. The great thing about coupons is that they are readily available and you likely already have some in your home.

In addition to checking newspapers, magazines, and your local grocery store for coupons you can always use apps. Many grocery chains have personal apps that will let you know which items are on sale in addition to offering special coupons.

This can be a great tool when you have to fulfill your grocery list on a limited budget.

Get Creative in the Kitchen

Often we go out to eat or to buy groceries out of habit. Running out of your favorite snacks doesn't mean it's time to hit the grocery store yet!

Raid your pantry and imagine you're on your favorite cooking show. Try to get creative using what ingredients you have on hand. You may be surprised to find what new favorites are born out of necessity.

Visit the Library

Remember the library? Since the rise of Netflix and Amazon, many of us have forgotten that this was the original source of on-demand entertainment.

Take a trip to your local library and finally check out some of those books you've been dying to read. You'll find that many libraries also have free online programs that allow you to stream music, watch movies, and download ebooks.

Look into Free Samples

If you don't mind taking the time to contact your favorite brands, you'll find you can easily have free samples sent to your door!

Often these brands will send you samples because you're a fan.

In other cases, brands will ask you to fill out a brief survey in exchange for free samples. This is still a win-win situation as the information you provide will help make your favorite brands even better.

Staying Out of Tight Situations

Tired of figuring out how to survive with no money? The best trick you can apply is avoiding tight situations, to begin with. With the right savings plan in place, you can protect yourself from being strapped for cash, no matter what comes up.

If you're new to saving money and are looking for more information, we suggest checking out our blog on important money saving tips. It's a great way to start your journey towards improving your financial health.