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Did you know that only 32 percent of Americans have a household budget in place? Failing to focus on your finances can lead to several problems in the future. If you have a limited amount of money in your savings account, dealing with financial emergencies will be very difficult.

Instead of letting a financial disaster overwhelm you, finding a way to get money in a hurry is a must. People who need money today have a lot of options on the market. Finding the right financial tools to get out of a bad situation will take some time and effort.

The following are some of the things you can do to secure cash in a hurry if you are in a financial bind.

Sell a Structured Settlement for One Lump Sum

Disputes involving personal injuries, defective products, and medical malpractice usually get settled out of court. In most cases, people who are seeking compensation in cases like this will receive a structured settlement. This type of settlement pays the victim monthly instead of giving them a lump sum.

If you have a structured settlement, selling it for a lump sum can help you get a quick influx of cash. Finding companies that buy structured settlements will require some research. By calling a few different companies, you can quickly figure out which one can provide the best deal.

Need Money Today? Sell Unwanted Items

If you need cash now, the first thing you should do is take a look around your home. Most people have a lot of unused or unwanted items laying around. Selling these items can help you get money in a hurry without having to do a lot of work.

People will buy everything from clothes to old electronics. The key to having success with this venture is choosing the right platform to sell your goods on. Forums like Facebook Marketplace allow you to post items for sale without having to pay a fee.

Before you put your items up for sale, make sure you offer a competitive price. With a bit of online research, you should have no problem finding information about what the items in question have sold for in the past.

Using Personal Loans is a Good Idea

Do you have a job and a handful of previous paycheck stubs? If so, you should be able to get a personal loan. Generally, the lenders that offer these loans have very lax approval standards.

Instead of rushing through the personal loan selection process, take the time to weigh all your options. Doing this can help you avoid paying high-interest rates.

Where There’s a Will, There’s a Way!

Giving up too soon on your search for quick cash will only make your problems worse. If you need money today, by working hard you can find a way to get the money you need.

Are you looking for more personal finance advice? If so, check out the rest of our blog.


Working to improve your financial situation requires some know-how, and even though there are plenty
of resources at the tip of your fingers, it can be confusing to know where to begin. If you’ve fallen on
hard times, the most important step is to recognize what it is you’re trying to achieve with your money.
For many people, that includes gaining an understanding of how to get out of a financial pickle, like
having bad credit, needing quick access to cash, or needing to reduce the amount they owe in debt.
Each of these common financial challenges has a connecting thread: loans. Using loans to better your
financial situation differs for each situation, but overall, loans are a powerful tool in managing your

Improving Credit History

Bad credit can happen to anyone with as little as a missed payment or two or not knowing about an
account that found its way to collections. But when bad credit strikes, it takes time and effort to
improve it. A loan from a bank, credit union, or online lender can be beneficial in improving credit over
time. This is because loans require fixed monthly payments over the course of several months or years.
With each on-time payment, the lender that initially provided the loan reports the good behavior to the
credit bureaus. The more on-time payments are received, the more one’s credit score improves. Taking
out a loan and repaying it as agreed isn’t a quick way to boost your credit score, but it can help over the
long haul.

Access to Quick Cash

When the need to improve your financial situation involves an emergency bill or a major expense that
cannot be covered from savings, loans can play an important role. Traditional loans from major financial
institutions are not always available to those who have inconsistent income, or a credit history sprinkled
with negative marks, but there are alternative if you need access to quick cash. A California title loan is
an option for those who have full ownership of their vehicle and a clean title, even when credit history is
an issue. Some online lenders also offer quick loans for those with not so great credit, but there may be
additional requirements that are difficult to meet. Having these loan options is helpful in managing
expenses and bills that come out of nowhere when savings isn’t there.

Refinancing Debt

Loans may also be used to restructure debt you already have. Credit cards are a common source of
frustration – and cost – for many consumers today, and with interest rates reaching as high as 29%,
getting out from under credit card debt can seem impossible. With a strong credit history and verifiable
income, individuals may have an opportunity to consolidate credit card balances with a single loan. This
strategy is beneficial if borrowers can reduce the interest charged on outstanding debt while
simultaneously creating a predictable payment plan to knock it out.

Loans are not for everyone, but they do offer a solution for many of life’s common financial challenges.
Recognizing which loans are available, their cost, and the time it will take to pay off the balance are
necessary considerations before using a loan as a financial tool.